SettleADebt.
Get debt help
Home/Debt topics

FIND THE EXPLANATION

Which debt deadline needs your attention first?

Sort deadlines by the consequence and the action required—not by who calls most often.

Read the complete guide →

This address preserves a dated source document behind the guide. The complete explanation covers the questions, comparisons and next steps for this subject.

If you came here to check a specific citation, open the original archive below. It includes its source dates and recorded qualifications.

Original source archive (optional)Original working documents, complete tables and revision history
About this archive

The explanation above is written for readers. These original working documents preserve the evidence trail, including technical language, dated passages and known corrections. They have not all received independent professional review. Use the marked limits before relying on a particular rule or figure.

Home / Research library / R008
DETAILED RESEARCH · EVIDENCE & LIMITS INCLUDED

First focused A008 component: U.S. federal mortgage delinquency, first foreclosure notice or filing, and loss-mitigation timing

R008 · pass-01Captured 2026-10-2714 tables · 81 claim records · 22 source recordsScoped coordinator review completed

Read the evidence with its boundaries. These are saved research components, including revisions. A scoped coordinator review checks selected evidence; it does not certify every claim, a complete jurisdiction, current law or individual applicability. Dates and access limits remain attached to the records.

How to read the research →

SettleADebt R008 PASS-01

First focused A008 component: U.S. federal mortgage delinquency, first foreclosure notice or filing, and loss-mitigation timing

The operative rules create several distinct servicer duties and foreclosure restrictions. They do not create one universal “mortgage pause.” Coverage, delinquency, application receipt and completeness, the first foreclosure notice or filing, the scheduled sale, prior applications, and servicing transfers must be evaluated separately.

Three threshold distinctions are especially consequential:

  • The initial application acknowledgment provision uses 45 days or more before a foreclosure sale.
  • The ordinary complete-application evaluation and post-filing foreclosure restriction use more than 37 days before a foreclosure sale.
  • The appeal and longer offer-response provisions include 90 days or more, while an application received during the period specified in § 1024.41(f) can independently qualify for an appeal. A particular servicing-transfer provision can preserve specified protections when completion occurs 37 or fewer days before sale. govinfo.gov+1

A material publication discrepancy was found. The effective 2025 rescission, the published January 1, 2026 CFR text, and the eCFR remove several 2021 provisions that the CFPB’s pages labeled “current regulation” still display. The findings below use the operative codified text and the actual amendatory rule, with the discrepancy recorded rather than silently combining versions. govinfo.gov+4

Research boundary and actual check date

This investigation used fresh public-primary-source reading in this conversation. No R006, R005, R003, other Library output, prior report, or other chat supplied a foundation. No subagents, browser control, local files, record searches, identifier entries, contacts, filings, purchases, account changes, or publication actions were used.

The actual check date was October 27, 2026, America/Los_Angeles. The session clock was checked at 21:27:48 UTC and 21:39:42 UTC, corresponding to 2:27:48 p.m. and 2:39:42 p.m. PDT. This is an access date, not an enactment or effective date. The visible model-picker selection or subscription tier was not independently verified; no claim of an unseen UI selection is made.

No borrower, loan, property, servicer, owner, successor, bankruptcy, foreclosure, court, or docket facts were investigated. All examples below are expressly stipulated, qualitative rule illustrations.

1. Source register

Reading and version conventions

  • Fresh means the identified body text was read during this pass. Reopening it within this pass is not reliance on an earlier research output.
  • HTML has no printed page or PDF index. Where a Federal Register HTML rendering supplies printed-page markers, those are identified.
  • PDF index is zero-based.
  • Parsed PDF text is not a pixel review. The only PDF page visually inspected as an image was the 2025 rescission’s printed page 20792, PDF index 1. Other PDF reading was parsed text.
  • Sources S003–S008 are portions of the same Regulation X framework. Agency mirrors, annual CFR text, and eCFR presentations of the same provision are not independent corroborating authorities.
  • The eCFR displayed Title 12 as current through October 23, 2026, and expressly described itself as authoritative but unofficial. The annual CFR excerpts are the January 1, 2026 edition. Neither label closes the complete intervening Federal Register, correction, litigation, or session-law audit described below.
Source ID Issuer, title, jurisdiction Complete literal HTTPS URL(s) Exact substantive read bounds; printed page / PDF index Version, effective predicate, actual check, and limits
R008-P1-S001 U.S. House, Office of the Law Revision Counsel; 12 U.S.C. §§ 2602, 2605, RESPA; U.S. federal https://uscode.house.gov/us/usc/119-121/t12/s2602/ ; https://uscode.house.gov/us/usc/119-121/t12/s2605/ ; fallback representation: https://www.govinfo.gov/link/uscode/12/2605 § 2602(1), relevant source/editorial notes; § 2605(f), (i), (j)(3), (k)(1), relevant source notes. Transfer and other adjacent text appearing in returned windows was not used to rerun transfer-notice or error-resolution research. House: HTML. GovInfo fallback: selected § 2605(f), (i)–(k), printed pp. 1449–1450 / indices 2–3. Fresh, 2026-10-27. House label: laws in effect through Pub. L. 119-121, October 9, 2026. The fallback PDF’s edition was not established and is not the currentness foundation. No complete session-law audit through October 27. uscode.house.gov+1
R008-P1-S002 U.S. House OLRC; 15 U.S.C. § 1692c, FDCPA § 805; U.S. federal https://uscode.house.gov/us/usc/119-121/t15/s1692c/ Necessary § 1692c(c) notification, receipt, and exceptions; surrounding section read. HTML; pages/index N/A. Fresh, 2026-10-27. Same October 9, 2026 compilation predicate. Used only for the cease-communication interaction; no general FDCPA coverage or dispute investigation. uscode.house.gov
R008-P1-S003 CFPB regulation, published by OFR/GPO through eCFR; 12 CFR §§ 1024.2, 1024.5; U.S. federal https://www.ecfr.gov/current/title-12/chapter-X/part-1024/subpart-A/section-1024.2 ; https://www.ecfr.gov/current/title-12/chapter-X/part-1024/subpart-A/section-1024.5 § 1024.2(a), relevant definitions of business day, federally related mortgage loan, servicer, servicing, State, and associated scope terms; § 1024.5(a)–(d). HTML. Fresh, 2026-10-27; eCFR through 2026-10-23. Selected definitions, not every unrelated settlement definition. No individual product classification. ecfr.gov+1
R008-P1-S004 CFPB/OFR/GPO; 12 CFR §§ 1024.30–1024.32; U.S. federal https://www.ecfr.gov/current/title-12/chapter-X/part-1024/subpart-C/section-1024.30 ; https://www.ecfr.gov/current/title-12/chapter-X/part-1024/subpart-C/section-1024.31 ; https://www.ecfr.gov/current/title-12/chapter-X/part-1024/subpart-C/section-1024.32 Complete operative scope, definitions, and disclosure/successor provisions in these three sections. HTML. Fresh, 2026-10-27; eCFR through 2026-10-23. Successor amendments’ effective-date predicate addressed in S014. The removed COVID-hardship definition was not imported from the stale agency mirror. ecfr.gov+2
R008-P1-S005 CFPB/OFR/GPO; 12 CFR § 1024.39, Early intervention requirements; U.S. federal https://www.ecfr.gov/current/title-12/chapter-X/part-1024/subpart-C/section-1024.39 ; https://www.govinfo.gov/content/pkg/CFR-2026-title12-vol8/pdf/CFR-2026-title12-vol8-sec1024-39.pdf Complete current § 1024.39(a)–(d). Annual CFR: printed 718–719 / indices 0–1, operative section through amendment credit. Fresh, 2026-10-27. eCFR through October 23; annual edition January 1, 2026. § 1024.39(e) is absent from these operative versions. PDF text read; pixels not inspected. ecfr.gov+1
R008-P1-S006 CFPB/OFR/GPO; 12 CFR § 1024.41, Loss mitigation procedures; U.S. federal https://www.ecfr.gov/current/title-12/chapter-X/part-1024/subpart-C/section-1024.41 ; https://www.govinfo.gov/content/pkg/CFR-2026-title12-vol8/pdf/CFR-2026-title12-vol8-sec1024-41.pdf Complete operative § 1024.41(a)–(k) in eCFR; annual CFR body compared across printed 720–727 / indices 0–7. Adjacent settlement-form text on the last PDF page was not used. Fresh, 2026-10-27. eCFR through October 23; annual edition January 1, 2026. Retains (c)(2)(v); omits former (c)(2)(vi) and (f)(3). PDF comparison was text, not pixels. ecfr.gov+4
R008-P1-S007 CFPB/OFR/GPO; Supplement I to Part 1024, Official Bureau Interpretations; U.S. federal https://www.ecfr.gov/current/title-12/chapter-X/part-1024/appendix-Supplement%20I%20to%20Part%201024 Comment 5(c)(1)-1; necessary comments to §§ 30–32; § 38 successor, evaluation, counsel, and transfer comments; complete relevant § 39 and § 41 commentary, including 41(f)-1.i–iv, 41(g)-1–5, 41(i)-1–2, and 41(k) branches. HTML. Fresh, 2026-10-27; eCFR through 2026-10-23. These are codified official interpretations, distinguished from statutory text and freestanding guidance. Unrelated escrow/insurance commentary in overlapping returned windows was not a foundation. ecfr.gov+6
R008-P1-S008 CFPB/OFR/GPO; necessary adjacent 12 CFR §§ 1024.38, 1024.40; U.S. federal https://www.ecfr.gov/current/title-12/chapter-X/part-1024/subpart-C/section-1024.38 ; https://www.ecfr.gov/current/title-12/chapter-X/part-1024/subpart-C/section-1024.40 § 38(a), (b)(1)(vi), (b)(2)–(4); § 40(a)–(b), only as needed for successor confirmation, investor requirements, transfer information, and the contact referenced in § 39. HTML. Fresh, 2026-10-27; eCFR through 2026-10-23. No separate records-access, error-resolution, or private-enforcement conclusion. ecfr.gov+1
R008-P1-S009 CFPB/OFR/GPO; 12 CFR § 1026.41(e)(4) and official interpretation; U.S. federal https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-E/section-1026.41 ; https://www.consumerfinance.gov/rules-policy/regulations/1026/interp-41/ § 41(a)(1), complete (e)(4); comments 41(e)(4)(ii)-1–4 and (iii)-1–5. HTML. Fresh, 2026-10-27. eCFR through October 23; agency commentary displayed current version, but a complete independent Regulation Z amendment history was not audited. Other periodic-statement exemptions were not imported into Regulation X. ecfr.gov+2
R008-P1-S010 CFPB/OFR/GPO; cross-referenced Regulation Z scope definitions; U.S. federal https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-A/section-1026.3 ; https://www.consumerfinance.gov/rules-policy/regulations/1026/interp-3/ ; https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-E/section-1026.33 ; https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-E/section-1026.36 § 3(a)(1), comments 3(a)-1, -3–6, -8 as relevant to purpose; § 33(a) reverse-mortgage definition; § 36(a)(5) seller-financer criteria. HTML. Fresh, 2026-10-27. Current eCFR display through October 23; agency commentary current-label limitation retained. No ability-to-repay, origination, or seller-financer determination. ecfr.gov+3
R008-P1-S011 Farm Credit Administration/OFR/GPO; 12 CFR § 617.7000; U.S. federal https://www.ecfr.gov/current/title-12/chapter-VI/subchapter-B/part-617/subpart-A/section-617.7000 Necessary “loan” and “qualified lender” definitions, read with comment 30(b)-1. HTML. Fresh, 2026-10-27; eCFR through October 23. Loan-specific nexus retained; no institution roster or status query. ecfr.gov
R008-P1-S012 HUD/OFR/GPO; 24 CFR § 266.5; U.S. federal https://www.ecfr.gov/current/title-24/subtitle-B/chapter-II/subchapter-B/part-266/subpart-A/section-266.5 “Housing finance agency or HFA” definition. HTML. Fresh, 2026-10-27. Title 24 displayed through October 23, last amended August 20, 2026; that title-wide date is not a claim that this definition changed then. ecfr.gov
R008-P1-S013 CFPB, Federal Register; Mortgage Servicing Rules Under RESPA (Regulation X); U.S. federal https://www.govinfo.gov/content/pkg/FR-2013-02-14/pdf/2013-01248.pdf Title, action, and DATES on printed 10696 / index 0. Fresh selected historical read, 2026-10-27. Published February 14, 2013; final rule effective January 10, 2014. Not a claim to have read the entire 204-page rule or every intervening amendment. govinfo.gov
R008-P1-S014 CFPB, Federal Register; 2016 amendments to the 2013 mortgage rules under RESPA and TILA; U.S. federal https://www.govinfo.gov/content/pkg/FR-2016-10-19/pdf/2016-18901.pdf Title/DATES, printed 72160 / index 0; effective-date discussion, printed 72349–72350 / indices 189–190, especially identification of successor provisions. Fresh selected historical read, 2026-10-27. Generally effective October 19, 2017; identified successor provisions effective April 19, 2018. Regulation Z bankruptcy-statement provisions also had the later date; this does not shift § 1024.39’s bankruptcy duties to that date. Full 242-page history not audited. govinfo.gov+1
R008-P1-S015 CFPB, Federal Register; Mortgage Servicing Rules Under RESPA (Regulation X), 2017 notice-frequency amendment; U.S. federal https://www.federalregister.gov/documents/2017/10/16/2017-21912/mortgage-servicing-rules-under-the-real-estate-settlement-procedures-act-regulation-x Action/DATES; operative revision of § 39(d)(3)(iii); selected explanation. Printed 47953 header and 47957–47958 amendatory text; HTML, PDF index N/A. Fresh, 2026-10-27. Interim final rule published October 16, 2017, effective October 19, 2017; supplies the 190-day modified-notice branch. federalregister.gov+1
R008-P1-S016 CFPB, Federal Register; Treatment of Certain COVID-19 Related Loss Mitigation Options Under RESPA (Regulation X); U.S. federal https://www.federalregister.gov/documents/2020/06/30/2020-13853/treatment-of-certain-covid-19-related-loss-mitigation-options-under-the-real-estate-settlement Header/DATES and actual addition of § 41(c)(2)(v), revision of (c)(2)(i). Printed 39055 header, 39065 amendatory material; HTML, PDF index N/A. Fresh, 2026-10-27. Interim final rule published June 30, 2020, effective July 1, 2020. Historical wording is not substituted for the 2025-revised current text. federalregister.gov+1
R008-P1-S017 CFPB, Federal Register; Protections for Borrowers Affected by the COVID-19 Emergency Under RESPA, Regulation X; Rescission; U.S. federal https://www.govinfo.gov/content/pkg/FR-2025-05-16/pdf/2025-08643.pdf CFPB header/DATES; operative instructions and replacement text for §§ 31, 39, 41 and Supplement I. CFPB material printed 20791–20795 / indices 0–4; unrelated material sharing first/last pages excluded. Pixels inspected only at 20792 / index 1. Fresh, 2026-10-27. Published May 16, 2025; interim final rule effective July 15, 2025. Its request for comments did not make it merely proposed. Selected preamble plus necessary operative amendments read; no full litigation-status audit. govinfo.gov+3
R008-P1-S018 CFPB, Federal Register and agency status page; Streamlining Mortgage Servicing for Borrowers Experiencing Payment Difficulties (Regulation X); U.S. federal https://www.govinfo.gov/content/pkg/FR-2024-07-24/pdf/2024-15475.pdf ; https://www.consumerfinance.gov/rules-policy/rules-under-development/ Proposal title/action/comment dates, printed 60204 / index 0; agency “rules under development” entry and page status. Fresh limited status read, 2026-10-27. Published July 24, 2024 as a proposed rule; comments due September 9, 2024. Agency page still classified it as proposed and showed October 13, 2026 modification. No final replacement effective date established. Proposal body not used as operative law. govinfo.gov+1
R008-P1-S019 CFPB regulation-page mirrors; §§ 1024.31, .39, .41; U.S. federal publisher https://www.consumerfinance.gov/rules-policy/regulations/1024/31/ ; https://www.consumerfinance.gov/rules-policy/regulations/1024/39/ ; https://www.consumerfinance.gov/rules-policy/regulations/1024/41/ Displayed current-version labels and the conflicting COVID-hardship definition, § 39(e), § 41(c)(2)(vi), § 41(f)(3), with embedded related comments. HTML. Fresh discrepancy comparison, 2026-10-27. These passages were not accepted as operative replacements for S005–S007/S017. Publisher “current” labels did not resolve the conflict. Consumer Financial Protection Bureau+4
R008-P1-S020 CFPB; Withdrawn Guidance register; U.S. federal publisher status https://www.consumerfinance.gov/compliance/guidance/withdrawn-guidance/ Register body and modification label, including the withdrawn 2017 early-compliance policy. HTML. Fresh status read, 2026-10-27. Page displayed July 22, 2026 modification. No freestanding circular, bulletin, advisory, or supervisory manual is an operative foundation here. Register withdrawal does not itself repeal a statute or amend codified text. Underlying withdrawn guidance was not used. Consumer Financial Protection Bureau+2
R008-P1-S021 Attempted House OLRC preliminary § 2605 endpoint; U.S. federal https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title12-section2605&num=0&edition=prelim Failed body retrieval: 404. No operative text read from this endpoint. Failure, 2026-10-27. Recovered through S001’s version-specific House page. Failure is not evidence that no rule exists.
R008-P1-S022 Attempted CFPB guidance-register path; U.S. federal https://www.consumerfinance.gov/rules-policy/withdrawn-guidance/ Failed body retrieval. No register body read at this path. Failure, 2026-10-27. Recovered through S020’s correct compliance/guidance path.

Currentness conclusion and remaining audit limits

The working legal text is the operative text actually retrieved, including the July 15, 2025 rescission, the January 1, 2026 published CFR excerpts, and the eCFR display through October 23, 2026. The 2024 streamlining proposal is not used to replace that framework.

The following remain expressly unclosed:

  1. A complete Federal Register/correction audit for October 24–27, 2026, and a complete amendment-by-amendment reconciliation of the annual edition to the access date.
  2. A complete session-law lag audit after the House’s October 9, 2026 compilation predicate.
  3. A complete historical audit of every 2013 technical amendment and 2017 correction.
  4. Any judicial stay, vacatur, or later-history determination concerning these rules. No opinion was necessary to state the regulatory branches, and no case record or docket-status inquiry was made.
  5. The interpretive significance of the 2025 deletion of the § 1024.31 definition of “COVID-19-related hardship” while that phrase remains in § 1024.41(c)(2)(v). The retained exception is reported as written; the deleted definition is not silently reinstated.

These are source/version limits, not findings that a later amendment, stay, or contrary rule exists.

2. Atomic claim register: operative findings and boundaries

Status key: T = statutory text; R = regulation in the retrieved operative version; O = codified official interpretation; V = publication/version observation; I = expressly identified inference; U = unresolved source or factual application.

All claims remain subject to the currentness limits above. Source IDs refer to the complete URLs and read bounds in the source register.

A. Version and authority classification

Claim ID Area and precise claim Trigger, conditions, exceptions, and limits Source pinpoint; status
R008-P1-C001 The sources have different currency predicates. October 27 access does not convert the eCFR’s October 23 currency label, the January 1 annual edition, or the House’s October 9 compilation label into a completed through-access-date legal audit. S001, S004–S006; V/U.
R008-P1-C002 The July 15, 2025 rescission removes the § 31 COVID-hardship definition, § 39(e), § 41(c)(2)(vi), § 41(f)(3), and associated 2021 commentary. The old special foreclosure safeguards and special COVID contact provisions are historical/deleted, even where an agency mirror still displays them. The old § 39(e) and § 41(f)(3) also contained their own earlier temporal limits. S017, amendatory instructions 2–5; S005–S007; R/V.
R008-P1-C003 Section 41(c)(2)(v) remains in the operative text. This is the narrow deferral-option exception detailed in C048, not the deleted (c)(2)(vi) modification exception. The remaining phrase “COVID-19-related hardship” is not newly defined here by importing the deleted § 31 definition. S006 § 41(c)(2)(v); S017 instruction 4; R/U.
R008-P1-C004 The retrieved 2024 streamlining document is proposed, not an operative replacement. No final effective replacement was established in this pass. A regulatory-agenda target or agency page update would not itself amend the rule. S018 action/DATES and status entry; V/U.
R008-P1-C005 No withdrawn freestanding guidance supplies an operative premise. Codified official interpretations are identified separately. The withdrawn-guidance register was checked; no assumption is made that withdrawal of guidance repeals RESPA or deletes CFR text. S007, S020; V/I.
R008-P1-C006 Relevant implementation dates differ. Original 2013 rule: January 10, 2014. Most relevant 2016 amendments: October 19, 2017. Identified successor provisions: April 19, 2018. Modified FDCPA notice amendment: October 19, 2017. Original retained COVID-deferral exception: July 1, 2020, later revised in 2025. Historical application requires its own version analysis. S013–S017, DATES; S014 Part VI; R/V.

B. Coverage, definitions, products, and actors

Claim ID Area and precise claim Trigger, conditions, exceptions, and limits Source pinpoint; status
R008-P1-C007 A federally related mortgage loan requires the statutory/regulatory collateral and nexus predicates. Generally a first or subordinate lien on qualifying residential real property, including the specified one-to-four-family, condominium/cooperative, construction-placement, and manufactured-home branches. The real property must be in a “State” as defined, which includes specified U.S. territories. Personal-property-only collateral is not automatically within this definition. S001 § 2602(1); S003 § 2(b), “Federally related mortgage loan” (1), (3), “State”; T/R.
R008-P1-C008 The federal nexus has alternatives; federal insurance is not the only route. Routes include federally regulated/insured lenders; federal making, insurance, guarantee, supplementation or assistance; intended sale to listed federal mortgage entities; the specified TILA creditor making/investing in residential real-estate loans aggregating more than $1 million annually, excluding State agencies/instrumentalities for that creditor route; dealer/broker and qualifying reverse-mortgage branches. Installment/land/contract-for-deed arrangements require the stated qualifying funding nexus. S003 § 2(b), definition (1)(ii)(A)–(F), (2); S001 § 2602(1)(B); T/R.
R008-P1-C009 Primarily business, commercial, or agricultural credit is excluded under § 5(b)(2). Residence collateral alone does not answer purpose. The incorporated Regulation Z interpretation uses purpose factors and rental-property rules: non-owner-occupied rental credit is deemed business; expected occupancy more than 14 days prevents that particular classification. For owner-occupied rental property, acquisition of more than two units, or improvement/maintenance of more than four, has specified business treatment; smaller properties still require the applicable purpose analysis. S003 § 5(b)(2); S010 § 3(a)(1), comments 3(a)-1, -3–5, -8; R/O.
R008-P1-C010 Temporary financing has a qualified exclusion, not an unconditional construction-loan exclusion. Same-lender permanent/convertible financing, financing transfer to the first user, a permanent-financing commitment, and qualifying construction terms of two years or more can remove the temporary-financing exclusion; the latter has a bona fide builder qualification. Bridge/swing loans described in § 5(b)(3) are excluded. S003 § 5(b)(3); R.
R008-P1-C011 Vacant-land financing has an express construction/placement exception. The exclusion does not apply where, within two years from settlement, the proceeds will construct a structure or place a manufactured home on the real property; the secured-property qualification remains. This origination-scope rule differs from later vacancy of a principal residence. S003 § 5(b)(4); R.
R008-P1-C012 Transaction exclusions must not be converted into blanket extinction of servicing duties. § 5(b)(5): assumptions without an express lender approval right are excluded; assumptions requiring and obtaining approval are covered. § 5(b)(6): conversions consistent with the original instrument without a new note are excluded. § 5(b)(7): bona fide secondary-market transactions are excluded except for § 2605 and Subpart C. Section 5(d)’s listed partial disclosure exemptions do not list §§ 39 or 41. S003 § 5(b)(5)–(7), (d); R/I.
R008-P1-C013 The specific §§ 39–41 scope is narrower than all federally related mortgage loans. Section 31 excludes open-end home-equity lines from “mortgage loan.” Section 30(b) excludes reverse mortgages and qualifying Farm Credit loans from §§ 38–41; small servicers have the separate C071 residual duties. Sections 39–41 apply only to a loan secured by the borrower’s principal residence. Vacancy does not necessarily end principal-residence status; facts and applicable State law matter. S004 §§ 30(b), (c)(2), 31; S007 comments 30(b)-1, 30(c)(2)-1; S010 § 33(a); S011; R/O/U.
R008-P1-C014 “Servicer” concerns responsibility for servicing, including an owner/originator that actually services. Section 2605(i)(2) and § 2(b) contain specified agency exceptions. The regulation separately addresses FDIC assets/receivership and NCUA assets/conservatorship/liquidation, and listed FNMA, Freddie Mac, FDIC, HUD/GNMA/FHA, NCUA, Farm Service Agency and VA circumstances following specified termination-for-cause, servicer bankruptcy, or supervisory proceedings. These are not a general exemption for every government-related loan or private servicer. “Servicing” generally includes receipt and application/disbursement of scheduled payments. S001 § 2605(i)(2)–(3); S003 § 2(b), “Servicer,” “Servicing”; T/R.
R008-P1-C015 Ordinary small-servicer status requires both a count and an ownership/origination connection. Under § 1026.41(e)(4)(ii)(A), the servicer and affiliates service 5,000 or fewer counted loans, and each is owned or originated by the servicer or an affiliate. Holding servicing rights alone does not satisfy ownership/origination. A subservicer gets the exemption only if both it and the master servicer qualify. S009 § 41(e)(4)(ii)(A); comments 41(e)(4)(ii)-1–3; R/O.
R008-P1-C016 HFA and specified nonprofit status are alternative small-servicer routes. The HFA route incorporates the public-body/agency/instrumentality definition in 24 CFR 266.5 and does not state the ordinary 5,000-loan cap. The nonprofit route requires the specified IRS § 501(c)(3) ruling/determination, 5,000 or fewer serviced loans, including associated-nonprofit servicing, and origination by it or an associated nonprofit; association requires the specified common name/mark and charitable-purpose agreement. Mere ownership is insufficient for that nonprofit route. S009 § 41(e)(4)(ii)(B)–(C), comment -4; S012 HFA definition; R/O.
R008-P1-C017 Small-servicer counting and transition rules have their own predicates. Count closed-end consumer dwelling-secured transactions, not only principal-residence loans within this component. Evaluate January 1 and the remainder of the year; loss of qualification allows six months or until next January 1, whichever is later, to comply with formerly exempt requirements. Exclusions include uncompensated voluntary nonaffiliate servicing, reverse mortgages, timeshares, and servicing for a seller financer satisfying all § 36(a)(5) criteria: natural person/estate/trust; one owned and securing property in 12 months; no ordinary-course construction; no negative amortization; fixed rate or adjustment only after at least five years with the stated reasonable limits and index conditions. S009 § 41(e)(4)(iii) and comments; S010 § 36(a)(5); R/O.
R008-P1-C018 A qualifying successor is defined through five transfer categories; not every occupant or transferee is automatically a borrower. Categories: devise/descent/operation of law on death of a joint tenant or tenant by the entirety; relative’s transfer resulting from borrower death; spouse/children becoming owners; specified divorce/separation/property-settlement transfer to a spouse; qualifying inter vivos trust with borrower remaining beneficiary and no occupancy-right transfer. Confirmation requires servicer confirmation of identity and ownership. Section 31 does not supply a universal free-standing definition making every interested person a “borrower.” S004 § 31, “Successor in interest,” “Confirmed successor in interest”; R/U.
R008-P1-C019 A confirmed successor is treated as a borrower without requiring assumption of the debt. Section 30(d) and its comments preserve the principal-residence and other procedural predicates. This regulatory treatment does not itself decide contractual liability, title, or State-law assumption. The servicer may not require assumption merely to recognize this borrower status. S004 § 30(d); S007 comments 30(d)-1–3; R/O.
R008-P1-C020 A potential successor’s application has a distinct confirmation-date branch. The servicer may evaluate before confirmation. If it elects not to, it must preserve the application/documents and, upon confirmation, treat receipt as occurring on the confirmation date, subject to remaining scope conditions; stale documents must be identified under the applicable acknowledgment rule. A preconfirmation review counts for the repeat-review exception only with full compliance and no different result attributable to confirmation. Confirmation policies must be prompt and must not unreasonably interfere with loss mitigation. S007 comment 41(b)-1; comments 38(b)(1)(vi)-1–5; S008 § 38(b)(1)(vi); R/O.
R008-P1-C021 The optional successor acknowledgment procedure can suspend specified communications, including § 39, without suspending § 41. It applies to a confirmed successor not personally liable only if the servicer supplies the compliant notice and separate acknowledgment: confirmation, nonliability/qualified lien explanation, notices, request/understanding acknowledgment, no return deadline, and specified remaining rights. Until acknowledgment or assumption, the listed communication duties are excepted. Section 41 is not listed. Duplicate § 39 contact/disclosure may also be unnecessary when provided to another borrower as specified. S004 § 32(c)(1)–(4); S007 § 32(c) comments; R/O/I.
R008-P1-C022 In Subpart C, “day” means calendar day unless the particular provision expressly excludes days. Delinquency begins when a periodic amount sufficient for principal, interest and applicable escrow becomes due and unpaid, and lasts until no periodic payment is due and unpaid. A late-fee grace period does not postpone that starting predicate. S004 § 31; S007 “Delinquency”-1; R/O.
R008-P1-C023 Payment application can change the delinquency starting date. Applying a later payment to the oldest unpaid periodic payment advances the relevant date. A servicer choosing a payment tolerance cannot treat the same billing-cycle shortfall as nondelinquent for one Subpart C section while treating it as delinquent for another. Contractual acceleration is not generally barred by these provisions; its validity and accounting are held. S007 “Delinquency”-2–4; O/U.
R008-P1-C024 A loss-mitigation application can be oral and can arise before a formal package is complete. A request plus information required for evaluation can be an application, including qualifying prequalification requests and authorized-agent submissions. A bare request for general information, without evaluative information, is not necessarily an application. Application and complete application remain different triggers. S004 § 31; S007 “Loss mitigation application”-1, comments 41(b)(1)-2–3; R/O.
R008-P1-C025 “Available” options are those available through the servicer from the relevant owner/assignee. An option may be available to apply for even if the applicant ultimately fails its criteria. Another investor’s options serviced on the same platform are not automatically available. Pilot, geography, participation and other applicable program conditions remain relevant. S004 § 31; S007 “Loss mitigation option”-1–2; comments 41(c)(1)-1–3; R/O.

C. Authority, early intervention, and modified duties

Claim ID Area and precise claim Trigger, conditions, exceptions, and limits Source pinpoint; status
R008-P1-C026 RESPA supplies rulemaking authority; § 41 expressly references an enforcement route but guarantees no particular option. Section 2605(j)(3), (k)(1)(E) support regulatory servicing obligations. Section 41(a) references § 2605(f), but does not require a modification or other specific option and does not create an investor-contract enforcement right. Section 2605(f)’s causation, pattern/practice, court, successful-action, and correction/nonliability conditions are not automatic awards. No private cause under every adjacent section, standing, injunction, or individual remedy is determined. S001 § 2605(f), (j)(3), (k)(1)(E); S006 § 41(a); T/R/U.
R008-P1-C027 Ordinary live-contact duty arises by the 36th delinquency day and repeats by reference to subsequent payment due dates. The servicer must establish, or make good-faith efforts to establish, live contact no later than day 36, and again no later than 36 days after each payment due date while delinquency continues. After actual live contact, information about available loss mitigation must be supplied promptly if appropriate. S005 § 39(a); R.
R008-P1-C028 Live contact and good-faith efforts are not identical. Telephone or in-person conversation qualifies; a recorded message is not itself live contact. Borrower-initiated contact or an authorized representative can qualify. Good-faith efforts are circumstances-dependent, without a universal call-count rule. A payment curing the relevant delinquency before the 36-day period ends can remove that contact trigger. S007 comments 39(a)-1.iv, -2–5; O.
R008-P1-C029 Ordinary written notice uses a 45-day trigger and a distinct 180-day repeat rule. Notice is due by day 45, and by 45 days after each due date while delinquent, but is not required more than once in 180 days. If at least 45 days delinquent at the end of that interval, another notice is due no later than 180 days after the prior notice; if less than 45 days delinquent then, use 45 days after the payment due date for which delinquency remains. S005 § 39(b)(1); S007 comments 39(b)(1)-1–4; R/O.
R008-P1-C030 The ordinary written notice has specified minimum content, not a guarantee of approval or an application deadline. It encourages contact; supplies the assigned-personnel telephone number and mailing address; gives applicable examples of options and application instructions or how to obtain them; and supplies the specified CFPB/HUD counseling-list website and HUD telephone information. It must satisfy § 32’s clear, conspicuous, retainable writing requirements. Models are optional. Section 40(a) separately requires reasonably designed assignment/contact policies by the written notice and no later than delinquency day 45. S005 § 39(b)(2)–(3); S004 § 32(a); S008 § 40(a); S007 § 39(b)(2) comments; R/O.
R008-P1-C031 Certain ongoing loss-mitigation circumstances satisfy or alter § 39 duties without rewriting every delinquency rule. Ongoing § 41 contact or the specified no-options determination can satisfy § 39(a); a new delinquency after cure requires resumed compliance. Performing an agreed option designed to cure prior missed payments is treated as nondelinquent for § 39. Oral loss-mitigation information does not by itself replace the written notice. S007 comments 39(a)-1.ii, -6; 39(b)(1)-4; O.
R008-P1-C032 Section 39 has narrow transfer interactions independently read here. A transferee generally cannot rely on a predecessor’s preceding 180-day notice interval, subject to the notice given within 45 days of transfer qualification. Separately, during the specified 60-day transfer period, documented timely payments misdirected to the old servicer can mean no delinquency for § 39. These are not a transfer-notice audit or a universal suspension of payment/application duties. S007 comments 39(b)(1)-5; 39(a)-1.iii; O.
R008-P1-C033 Bankruptcy creates partial early-intervention exemptions at the loan level. While any borrower is a debtor in bankruptcy, § 39(a) live contact is excepted. Written notice is also excepted if no option is available or the qualifying FDCPA cease-communication condition applies. “Available” does not mean already proven eligible. S005 § 39(c)(1)(i)–(ii); S007 comments 39(c)(1)-1 and (ii)-1–2; R/O.
R008-P1-C034 If the bankruptcy written-notice exemption does not apply, the modified notice has a separate clock and content restriction. Already delinquent at petition: by 45 days after filing the petition. Later delinquency: by its 45th day. This applies despite a notice in the preceding 180 days. No payment request; not required more than once in the same bankruptcy case. Applicable bankruptcy law or court orders may require adaptation. S005 § 39(c)(1)(iii); S007 comments 39(c)-1–2, 39(c)(1)(iii)-1, 39(c)(2)-1; R/O.
R008-P1-C035 Resumption after bankruptcy has specified events and a discharge qualification. Ordinarily resume after the next payment due date following the earliest dismissal, closure, or reaffirmation. Following the specified discharge of personal liability, live contact need not resume; written notice must resume if any partial or periodic payment was made after commencement. Reopening does not automatically require a second notice for the same case. Actual discharge, orders, and stay effects are held. S005 § 39(c)(2); S007 comment 39(c)(2)-1; R/O/U.
R008-P1-C036 The FDCPA partial exemption requires applicability to the servicer with respect to the particular loan and a qualifying notification. Section 805(c) concerns written refusal-to-pay or cease-communication notification; mailed notification is complete upon receipt. Section 39(d) then exempts live contact, and exempts written notice if no option is available or any borrower is in bankruptcy. An ordinary application, payment dispute, or preference for email is not assumed to meet this trigger. S002 § 1692c(c); S005 § 39(d)(1)–(2); T/R/U.
R008-P1-C037 The FDCPA modified written notice uses a prohibition on repetition and a 190-day outer branch. Where notice remains required, include the specified may/intends-to-foreclose statement and no payment request. It is prohibited more than once in 180 days. If at least 45 days delinquent at interval end, repeat by day 190 after the prior notice; otherwise by the later of 45 days after the relevant unpaid due date or that day 190. Comment 39(d)-2 permits the required modified notice and borrower-initiated loss-mitigation assistance under § 805(c), while preserving other FDCPA restrictions. S005 § 39(d)(3); S015; S007 comments 39(d)-1–2; R/O.
R008-P1-C038 An early-intervention exception is not automatically a loss-mitigation or foreclosure exception. The bankruptcy, FDCPA, and successor-acknowledgment provisions identify particular communication duties. Their existence does not itself eliminate otherwise applicable § 41 protections. Independent § 30 scope exclusions, small-servicer treatment, and other laws must still be examined. S004 § 32(c); S005 § 39(c)–(d); S006; I, from the provisions’ distinct scope.

D. Applications, completeness, evaluation, and notices

Claim ID Area and precise claim Trigger, conditions, exceptions, and limits Source pinpoint; status
R008-P1-C039 Completeness turns on actual receipt of all information required from the borrower, with reasonable diligence by the servicer. The servicer must promptly seek missing information and consider material already transferred. It cannot stop collecting for remaining available options solely because the borrower prefers another option; confirmed ineligibility under applicable criteria can end collection for a particular option. Missing information outside borrower control does not itself make the borrower’s application incomplete. S006 § 41(b)(1); S007 comments 41(b)(1)-1, -4–5; R/O.
R008-P1-C040 Initial receipt at least 45 days before sale triggers prompt review and a five-day acknowledgment. At 45 days or more, promptly review completeness and provide written acknowledgment within five days excluding legal public holidays, Saturdays and Sundays. State complete/incomplete; if incomplete, identify missing documents/information and the reasonable date. Include the statement about considering other servicers of loans secured by the same property. No scheduled sale is treated as satisfying this 45-day gate. S006 § 41(b)(2)(i); S007 comment 41(b)(2)(i)-1; R/O.
R008-P1-C041 The disclosed completion date must be reasonable, with milestone constraints and a seven-day minimum. Thirty days after providing the acknowledgment is generally reasonable, subject to the earliest relevant document-staleness date, delinquency day 120, 90 days before sale, or 38 days before sale. The reasonable date must never be less than seven days after provision of the notice. This is not an unconditional 30-day borrower entitlement or a universal foreclosure pause through the disclosed date. S006 § 41(b)(2)(ii); S007 comments 41(b)(2)(ii)-1–3; transfer qualification in 41(k)(2)(ii)-3; R/O/I.
R008-P1-C042 Sale-distance protections use a receipt-date snapshot. Determine sale-distance protection as of receipt of the complete application. If no sale is then scheduled, treat it as received more than 90 days before sale. Protections that attached remain after later scheduling/rescheduling. A postponement is not assumed to retroactively cure an originally late submission; any new qualifying receipt or other rule requires separate analysis. S006 § 41(b)(3); S007 comments 41(b)(3)-1–2; last sentence I/U.
R008-P1-C043 A complete application received more than 37 days before sale ordinarily triggers evaluation and determination within 30 calendar days. Evaluate all available options and provide a written determination, including applicable acceptance/rejection period and modification-appeal right, time and requirements. The external-information exception in (c)(4)(ii) and transfer provisions must be checked. Exactly 37 days does not meet this ordinary gate. S006 § 41(c)(1); R.
R008-P1-C044 Incomplete-application offers cannot be used to evade complete-application evaluation. The operative exceptions are (c)(2)(ii), (iii), and (v). The interpretation separately permits offers without an application or without evaluating information supplied with an incomplete application; that is not permission to disregard duties already triggered by a qualifying application. S006 § 41(c)(2)(i); S007 comments 41(c)(2)(i)-1–2; R/O/I.
R008-P1-C045 A significantly stalled incomplete application may be evaluated at the servicer’s discretion under a specific exception. The servicer must have exercised reasonable diligence; incompleteness must persist for a significant period under the circumstances without further borrower progress. The resulting evaluation/offer is not a complete-application review for the repeat-review limitation. “Significant” is contextual, not a universal fixed waiting period. S006 § 41(c)(2)(ii); S007 comment 41(c)(2)(ii)-1; R/O.
R008-P1-C046 Short-term forbearance and repayment exceptions have different definitions. Forbearance covers payments due over no more than six months, regardless of the later makeup period. A short-term repayment plan addresses no more than three months of past-due payments, repaid over no more than six months. These numerical limits identify this exception, not all possible programs. S007 comments 41(c)(2)(iii)-1, -4; S006 § 41(c)(2)(iii); R/O.
R008-P1-C047 A qualifying short-term offer based on an incomplete application creates notice and performance protections. Unless rejected, promptly provide written payment terms/duration, incomplete-application basis, possible other options, and ability to complete an application regardless of acceptance. “Promptly” generally means within five excluded-days after offering. While the agreed program/plan is being performed, no first notice/filing, motion for judgment/order of sale, or sale. Other applicable application duties continue; diligence can be suspended in the limited compliant/no-further-assistance circumstance, with the prescribed resumption and pre-end contact. S006 § 41(c)(2)(iii); S007 comments 41(c)(2)(iii)-2–3, -5–6; 41(b)(1)-4.iii; R/O.
R008-P1-C048 Retained § 41(c)(2)(v) permits a specified COVID-related deferral option based on incomplete information only if all conditions hold. Covered amounts can be delayed until refinancing, property sale, the existing loan term’s end, or FHA insurance termination as specified; covered amounts include the stated COVID-related forborne/due-unpaid principal and interest. Deferred amounts bear no interest; no option fee; existing late charges, penalties, stop-payment and similar charges are promptly waived on acceptance; acceptance ends pre-existing delinquency. Only then does (B) relieve (b)(1)–(2) duties for applications preceding that offer. No program availability or hardship eligibility is determined. S006 § 41(c)(2)(v)(A)(1)–(3), (B); C003’s definition gap; R/U.
R008-P1-C049 Facially complete applications receive specified protective treatment, not one universal completion date for every purpose. Facial completeness arises when all listed missing material is submitted, no more material is requested in the acknowledgment, or the complete-application notice becomes required. Later-discovered missing/corrected material must be requested promptly; treat the application as complete for (f)(2) and (g) during a reasonable opportunity to cure. Timely completion relates back for (d), (e), (f)(2), (g), (h), but (c) uses actual completion. Failure to complete within the reasonable opportunity leaves it incomplete. S006 § 41(c)(2)(iv); S007 comments 41(c)(2)(iv)-1–2; R/O.
R008-P1-C050 The complete-application notice is a separate five-excluded-day duty, with express exceptions. It states completeness, actual receipt date, expected 30-day evaluation, applicable pre-/post-first-filing protection, potential later information requests/reasonable opportunity/consequences, and possible additional law. Exceptions: prior complete acknowledgment without later correction request; application neither complete nor facially complete more than 37 days before sale; or already-provided determination. Recompletion generally requires a new notice unless an exception applies. S006 § 41(c)(3)(i)–(ii); S007 comments 41(c)(3)(i)-1–3; R/O.
R008-P1-C051 Information outside borrower control requires servicer diligence, including information within the servicer’s own control. The servicer must request it promptly and, to the extent practicable, in time for the 30-day evaluation. It must complete all possible evaluation steps within that period. Its own missing work is not automatically a third-party-delay exception. S006 § 41(c)(4)(i); S007 comments 41(c)(4)(i)-1, 41(c)(4)(ii)-1; R/O.
R008-P1-C052 True third-party delay has a notice and continuing-effort branch. If information from a party other than the borrower or servicer prevents determination within 30 days, provide the specified delay notice within that period or promptly afterward: missing specific information, request made, and prompt completion when received. Heighten efforts after 30 days; do not issue the final determination before receipt except under C053. Promptly determine once received. S006 § 41(c)(4)(ii)(B)–(C); S007 comment 41(c)(4)(i)-2; R/O.
R008-P1-C053 Denial solely for unavailable outside information is ordinarily prohibited; the exception is narrow. Reasonable diligence; a significant period after the 30-day period; information from neither borrower nor servicer; and applicable owner/assignee requirements making determination impossible without it are required. The servicer may then deny with the prescribed determination and copy of the delay notice. Denial is permitted, not compelled; no fixed “significant period” is invented. S006 § 41(c)(4)(ii)(A); S007 comment 41(c)(4)(ii)-2; R/O.
R008-P1-C054 A modification-denial notice must give the actual specific reasons for each denied trial or permanent modification option. Identify the investor/guarantor and specific requirement when that is the basis; generic “investor restriction” is insufficient. For an NPV denial disclose calculation inputs. Waterfall treatment has its specified explanation allowance. Disclose criteria actually causing denial and, where applicable, that other criteria were not evaluated. Offering another option does not erase a modification denial. S006 § 41(d); S007 comments 41(d)-1–4; R/O.

E. Offers and appeals

Claim ID Area and precise claim Trigger, conditions, exceptions, and limits Source pinpoint; status
R008-P1-C055 The ordinary offer-response periods constrain how soon the servicer may demand a response. Complete receipt 90 days or more before sale: no earlier than 14 calendar days after providing the offer. Complete receipt less than 90 but more than 37 days before sale: no earlier than seven calendar days. These are minimum permitted periods, not proof of the actual offer’s expiry. S006 § 41(e)(1); R.
R008-P1-C056 Nonacceptance may be deemed rejection, subject to specified qualifications. The actual deadline must comply with (e)(1). Timely submission of trial-plan payments requires a reasonable extra period to complete remaining acceptance requirements. A qualifying appeal has the separate extension in C060. S006 § 41(e)(2)(i)–(ii); R.
R008-P1-C057 Appeal eligibility concerns trial/permanent modification denials and has two alternative timing routes. Complete application received 90 days or more before sale, or during the period set forth in (f). It is not a universal appeal for every option denial. An application received after first filing with only 38–89 days remaining does not qualify through the 90-day route merely because the >37-day evaluation gate is met. S006 § 41(h)(1); R/I.
R008-P1-C058 The appeal provision supplies a 14-day making window; it does not itself universally say the appeal must be written. Section (h)(2) requires permitting an appeal within 14 days after the servicer provides the offer pursuant to (c)(1)(ii). The determination must disclose applicable appeal requirements. Do not replace “provides,” “makes,” or the disclosed requirements with an invented mailing/receipt presumption. The exact appeal method and deadline in any actual notice remain unknown. S006 §§ 41(c)(1)(ii), (h)(2); R/U.
R008-P1-C059 Appeal review requires different personnel and a timely determination notice. A supervisor may review if not directly involved in the original evaluation. Within 30 calendar days of the borrower making the appeal, provide the determination and applicable response period. Acceptance cannot be required earlier than 14 days after provision of that notice. No further appeal is required under this paragraph. The notice is subject to § 32’s writing rule. S006 § 41(h)(3)–(4); S007 comment 41(h)(3)-1; S004 § 32(a); R/O.
R008-P1-C060 A qualifying appeal extends the acceptance period for the offered loss-mitigation option. The acceptance deadline is extended until 14 days after the (h)(4) notice is provided. This does not itself extend an unrelated court-response, assistance-program, or other contractual deadline. S006 § 41(e)(2)(iii), (h)(4); R/I.

F. First notice or filing and later foreclosure restrictions

Claim ID Area and precise claim Trigger, conditions, exceptions, and limits Source pinpoint; status
R008-P1-C061 The ordinary first-notice/filing restriction uses more than 120 days delinquent. Section (f)(1) also permits the threshold exception where foreclosure is based on a due-on-sale violation, or the servicer is joining a superior/subordinate lienholder’s foreclosure. These are exceptions to (f)(1), not automatic exceptions to every other protection. No current general abandoned-property exception appears in (f)(1). S006 § 41(f)(1)(i)–(iii); S017 deletion of (f)(3); R/I.
R008-P1-C062 Identifying the first notice or filing requires the applicable State foreclosure procedure. Judicial: earliest required court/judicial-body filing commencing the proceeding. Nonjudicial with recording/publication: earliest required recorded/published initiating document. Neither court filing nor recording/publication: earliest document setting/scheduling sale. A private borrower letter is not first solely because it later becomes an attachment. No actual State or document was classified. S007 comment 41(f)-1.i–iv; O/U.
R008-P1-C063 A complete application before first notice/filing creates an additional restriction under (f)(2). Receipt during the preforeclosure review period or before first notice/filing prevents that initiating act until a listed release condition is met. Merely exceeding 120 days does not eliminate this additional restriction. The post-filing >37-day formulation must not be mechanically substituted for this clause. S006 § 41(f)(2); R/I.
R008-P1-C064 The release conditions in (f)(2) and (g) are alternatives with distinct evidence predicates. First: a compliant no-available-option determination, plus appeal inapplicability, expired unused appeal opportunity, or denied appeal. Second: rejection of all offered options. Third: failure to perform an agreed option. One denial, one rejected offer, or a conclusory “review closed” label does not prove the applicable condition. Short-sale marketing/listing performance and approved-sale qualifications also matter. S006 §§ 41(f)(2)(i)–(iii), (g)(1)–(3); S007 comments 41(g)(3)-1–2; R/O/I.
R008-P1-C065 After first notice/filing, a complete application received more than 37 days before sale restricts specified later acts. Until a C064 release condition is met, the servicer may not move for foreclosure judgment or order of sale, or conduct the sale. Receipt after first filing can therefore still matter; it does not undo the already-made first filing. S006 § 41(g); R/I.
R008-P1-C066 The later-act restriction includes dispositive motions and requires action through counsel when necessary. Default, pleadings, and summary-judgment motions can qualify. For a previously pending motion, the interpretation requires reasonable steps to avoid a ruling/order during protected review; it does not promise the steps will succeed. The servicer must promptly instruct counsel and cannot avoid its duty because counsel failed to act. A sale can violate (g) even if someone else administers it. S007 comments 41(g)-1, -3, -5; S008 § 38(b)(3); O.
R008-P1-C067 Section 41(g) does not stop every step in a foreclosure proceeding. Publication, arbitration, mediation and other steps may continue if they do not cause or directly result in a prohibited judgment/order/sale. The rule does not determine State answer/service deadlines, sale validity, court jurisdiction, redemption, standing, or an automatic injunction. Those are uninvestigated, independent questions. S007 comment 41(g)-2; S006 § 41(a), (g); O/I/U.
R008-P1-C068 A post-filing application with 37 or fewer days remaining does not ordinarily receive the >37-day procedural protection merely because it was submitted. The specific transfer exception C076 must be checked, as must previously attached/facial protections. Section 38(b)(2)(v) separately requires policies implementing applicable owner/assignee evaluation requirements, including potentially late applications. No actual State or investor requirement is supplied here. S006 §§ 41(c)(1), (g), (k)(2)(ii)(B); S007 comment 41(g)-4 and 38(b)(2)(v)-1; R/O/U.

G. Repeat applications, small servicers, and servicing-transfer applications

Claim ID Area and precise claim Trigger, conditions, exceptions, and limits Source pinpoint; status
R008-P1-C069 The duplicative-application exception is not a lifetime one-application rule. The same servicer must previously have fully complied for a complete application, and delinquency must have continued at all times since it was submitted. Cure followed by a new delinquency requires renewed applicable compliance. A discretionary incomplete review is not enough. S006 § 41(i), (c)(2)(ii); S007 comment 41(i)-1; R/O.
R008-P1-C070 Changed facts and a different servicer require separate treatment. Changed financial circumstances alone do not expressly reset § 41(i)’s continuous-delinquency exception. Applicable investor requirements may nevertheless require reevaluation through § 38 policies. A transferee is a different servicer and cannot simply invoke the predecessor’s completed review as its own § 41(i) exception. S007 comments 38(b)(2)(v)-1, 41(i)-2; S008 § 38(b)(2)(v); O/I.
R008-P1-C071 A qualifying small servicer retains important foreclosure restrictions. It remains subject to (f)(1). It also cannot make first notice/filing, move for judgment/order of sale, or sell while the borrower performs an agreed loss-mitigation option. It is otherwise exempt from the full § 41 procedures through § 30(b)(1); a complete application alone does not import all ordinary evaluation/appeal duties. S004 § 30(b)(1); S006 § 41(j); R.
R008-P1-C072 Pending applications generally carry across a servicing transfer with their existing rights and clocks. Pending means subject to § 41 and not fully resolved; a fully denied application with expired appeal opportunity may not be pending. Except for (k)(2)–(4), use the predecessor’s receipt-based timeframes. Rights under (c)–(h) continue. If the predecessor was not subject to § 41 for the application, the interpretation supplies a transfer-date receipt rule for (b) and (c). S006 § 41(k)(1)(i); S007 comments 41(k)-1, 41(k)(1)(i)-1; R/O.
R008-P1-C073 The application-transfer date and document receipt dates must be distinguished. For (k), transfer date is when the new servicer begins accepting payments as disclosed under § 33(b)(4)(iv); it is not necessarily the first-payment-due date or servicing-sale date. Documents received by the predecessor, including after transfer, must be transferred/obtained and can preserve their receipt date for (c)–(h). Already-provided notices need not be duplicated. S006 § 41(k)(1)(ii); S007 comments 41(k)(1)(i)-1–3, 41(k)(1)(ii)-1; S008 § 38(b)(4); R/O.
R008-P1-C074 A transfer during an unexpired, unperformed acknowledgment period produces a ten-excluded-day acknowledgment clock. Both predicates matter: the original acknowledgment period has not expired at transfer, and the old servicer has not supplied the notice. The new servicer then provides it within 10 days excluding legal public holidays, Saturdays and Sundays, from transfer. This is not the clock for every transferred application. S006 § 41(k)(2)(i); R.
R008-P1-C075 That particular transfer-acknowledgment branch protects the disclosed reasonable-date interval. The transferee cannot make first notice/filing until after the disclosed reasonable date, notwithstanding (f)(1). Completion on or before that date is treated as completion during the preforeclosure period for (f)(2). Existing protections, including a later applicable 120-day threshold, are not removed. S006 § 41(k)(2)(ii)(A); S007 comments 41(k)(2)(ii)-1–3; R/O.
R008-P1-C076 The same transfer branch can override the ordinary >37-day gate for specified provisions. If completion reaches either servicer 37 or fewer days before sale but on or before the disclosed reasonable date, the transferee must comply with (c), (d), and (g). This provision does not itself give every such application a new appeal right or erase an already-existing right. S006 § 41(k)(2)(ii)(B); S007 comment 41(k)(2)(ii)-2; R/O.
R008-P1-C077 A complete application pending at transfer has a specified new evaluation deadline. The transferee must comply with applicable (c)(1) and (c)(4) within 30 calendar days of transfer. That clock does not reset the application’s protective receipt date or authorize prohibited foreclosure acts. S006 § 41(k)(3), (k)(1); R/I.
R008-P1-C078 Changes in completion criteria on transfer do not simply erase the old completion status. Complete under the old criteria but incomplete under the new criteria: preserve facial completeness from the original complete/facial date, request needed material, and apply the facial-completeness rules. Incomplete under old criteria but complete under new: treat as pending complete at transfer for the 30-day transfer clock; (c)–(h) use the predecessor’s receipt of the completing material, and the notice identifies that date. S007 comments 41(k)(1)(i)-2, 41(k)(3)-1–2; S006 § 41(c)(2)(iv); O/R.
R008-P1-C079 A transferee able to decide a pending or timely post-transfer appeal has a later-of deadline. Determine the appeal and provide the (h)(4) notice within 30 days after transfer or 30 days after the borrower made the appeal, whichever is later. An appeal sent to the predecessor after transfer must be transferred/obtained under the applicable policies. S006 § 41(k)(4), (i); S007 comment 41(k)(4)-1; R/O.
R008-P1-C080 A transferee unable to decide the appeal must treat it as a pending complete application. Evaluate all options available through the transferee. For (c) or (k)(3), completion is the first receipt of the appeal by either servicer. For (e)–(h), preserve the original facial/complete date with the predecessor. The interpretation identifies missing records or an unavailable predecessor program as possible reasons for inability, not automatic dismissal of the appeal. S006 § 41(k)(4)(ii); S007 comment 41(k)(4)-2; R/O.
R008-P1-C081 Transfer preserves an unexpired offer-response period rather than creating an automatic new full period. The transferee must permit acceptance/rejection during the unexpired balance under (e) or (h). The appeal-transfer interpretation also preserves the ability to accept an outstanding predecessor option even where the transferee does not ordinarily offer it. S006 § 41(k)(5); S007 comment 41(k)(4)-2; R/O.

The principal regulatory branches above are supported by the complete operative sections and their official interpretations, rather than by search-result summaries. govinfo.gov+5

3. Generic urgency matrix

Matrix conventions

Full procedural scope means the loan, principal-residence, borrower/confirmed-successor and servicer predicates are met; no applicable product exclusion or small-servicer exemption removes the relevant duty; and the repeat-application rule does not excuse that application.

Calendar means calendar days under § 1024.31. Excluded-days means the provision expressly excludes legal public holidays, Saturdays and Sundays. The general § 1024.2 definition of “business day”—the entity open to the public for substantially all business functions—is not substituted for that express exclusion formula.

The “does not pause” column means no such pause is established by the identified rule alone. It does not decide whether another law, order, or agreement supplies a pause.

Event required Actor obligated Scope predicate Clock starts Counted-day standard Actual rule window Action legally constrained What does not pause by this rule alone Evidence unknown Other competing deadline held
Continuing early delinquency Servicer § 39 scope; no applicable communication exemption Relevant unpaid periodic-payment due date Calendar Live contact/good-faith effort by day 36; repeat by 36 after each due date Failure to undertake required contact effort Court response, contractual cure, separate application windows Due date, payments, attempts, actual contact Court/service, contract, assistance
Written early intervention Servicer § 39 scope; ordinary branch Delinquency and relevant due date; prior notice for repeat branch Calendar Day 45; ordinary 180-day frequency formula Required notice timing/content No automatic extension to submit an application or answer a complaint Notice provision, content, continued delinquency Court/service, offer and assistance expiry
Proposed first foreclosure notice/filing Servicer Applicable § 41(f)(1), including small servicer; check exceptions Delinquency date under § 31 Calendar Ordinarily only once more than 120 days delinquent First legally qualifying notice/filing Contract acceleration or separate obligations are not generally decided Payment application; legal first-act identity; due-on-sale/joining basis State initiation/cure, contract
Initial application received Servicer Full scope; receipt 45 days or more before sale, or no scheduled sale Actual application receipt Five excluded-days; prompt initial review Written acknowledgment within five excluded-days Completeness review and acknowledgment No blanket foreclosure freeze from an incomplete submission Receipt, contents, then-scheduled sale, missing-item list First-filing, sale, assistance
Missing-information date disclosed Servicer sets reasonable date; applicant may complete Applicable acknowledgment branch Notice provision Calendar Generally 30; milestone limits; never less than seven Unreasonable disclosure date Ordinary disclosure alone does not create a universal pause through that date Staleness, delinquency day 120, sale milestones Other completion, court and sale deadlines
Complete application well before sale Servicer Full scope; complete receipt more than 37 days before sale Actual complete receipt, subject to facial/transfer rules Calendar Evaluation/determination within 30, subject to external-information exception Required review and notice; applicable (f)(2)/(g) acts Other court steps and borrower response deadlines All required borrower material; available options Court response, offer, other assistance
Application becomes complete Servicer § 41(c)(3) and its exceptions Complete receipt/recompletion Five excluded-days Complete-application notice within five excluded-days Notice content/timing No independent new universal application or court-response period Prior notices, corrected material, facial date Existing sale/court and offer dates
Facially complete; correction requested Servicer Facial conditions met; (f)(2)/(g) otherwise applicable Facial completion; later prompt request Fact-dependent reasonable opportunity Protect during reasonable opportunity; relation-back if timely completed Specified foreclosure acts during protected interval Does not automatically start every clock at the facial date Missing/corrected item, reasonable time, actual completion Court response, correction opportunity
True third-party information missing Servicer Complete application; outside party is neither borrower nor servicer Complete receipt and requests Calendar; “promptly”/“significant period” are contextual All possible steps within 30; delay notice within 30 or promptly after; heightened efforts Premature denial/final determination; applicable foreclosure restrictions No unlimited extension of every borrower deadline Source/control of information, diligence, investor requirement Court, offer, assistance
Complete application before first filing Servicer Full scope; (f)(2) timing Complete receipt before initiating act Event-based Until a specified release condition First notice/filing No general adjudication of State limitations, cure, or acceleration Completion, first-act status, appeal/offer/performance State initiation and contract clocks
Complete application after first filing Servicer, including through counsel Full scope; complete more than 37 days before sale Complete receipt Event-based; related review/appeal periods separately counted Until a specified release condition Judgment/order-of-sale motion and sale Permitted intermediate foreclosure steps; court answer deadline Filing identity/date, scheduled sale, pending motions Court/service, State sale procedure
Post-filing completion at 37 days or fewer Servicer only to extent another applicable branch requires Ordinary >37 gate absent; check facial, prior rights, transfer exception Actual completion and then-scheduled sale Calendar comparison No ordinary (c)(1)/(g) entitlement solely from that late receipt Any independently applicable restriction only Sale is not presumed paused Original receipt, earlier facial status, transfer, investor rules Sale, court, other program deadlines
Offer after protected evaluation Servicer permits response; borrower may elect Complete ≥90, or <90 and >37 Offer provision Calendar At least 14, or at least seven, respectively Premature response cutoff/deemed rejection Unrelated assistance or court deadlines Actual offer terms/provision and applicable gate Offer expiry, trial payments, court
Qualifying modification appeal Servicer permits/reviews; borrower may elect appeal Complete ≥90 or during (f); eligible denial Provision of (c)(1)(ii) offer; then borrower making appeal Calendar 14 to make appeal; 30 to determine; at least 14 after determination to respond Premature closure; applicable foreclosure release Court appeal/answer, unrelated offers Method requirements, making date, eligible denial Court/service; acceptance terms
Repeat application Servicer Same-servicer prior full compliance plus continuous delinquency must be established for exception Prior complete receipt and subsequent payment history No universal new fixed clock from repetition alone Applicable duties resume if exception fails Improper use of one-review exception Changed facts alone do not establish a general pause Prior compliance, cure, new delinquency, owner requirements Court, sale, other review windows
Small-servicer agreed option being performed Small servicer Valid small-servicer status; performance under agreement Agreement/performance Event-based; separate >120 rule While performing; (f)(1) also remains First notice/filing, judgment/order motion, sale Full ordinary evaluation/appeal machinery is not automatically imported Classification, agreement, performance Contract performance; State procedure
Bankruptcy early-intervention branch Servicer Any borrower a debtor; check options and FDCPA interaction Petition if already delinquent; otherwise later delinquency Calendar Modified notice by 45 when required; once per case limitation Required communication duties, subject to bankruptcy law/order No conclusion about the separate bankruptcy stay or its termination Petition/status, discharge, payments, orders Bankruptcy, court, contract
Qualifying FDCPA cease notification Servicer FDCPA applies to this loan; qualifying notice Notification/receipt; delinquency; prior notice Calendar Live exemption; modified 45/180/190 formula when applicable Impermissible repeated notice; required modified notice Loss-mitigation and foreclosure rules are not universally extinguished FDCPA status, written notice/receipt, options, bankruptcy FDCPA disputes; court; sale
Successor confirmation/acknowledgment Servicer Qualifying transfer, confirmation, principal residence; optional notice conditions Confirmation; acknowledgment/assumption if relevant Prompt, not invented fixed confirmation period § 41 deemed receipt at confirmation when review deferred; § 39 exception as specified Unreasonable confirmation interference; improper denial of borrower treatment Title/contract liability and other deadlines Transfer category, confirmation, acknowledgment compliance Probate/title, court, sale
Transfer with acknowledgment still pending Transferee Original period unexpired and notice not supplied Defined transfer date Ten excluded-days; reasonable-date calendar standard Ten excluded-days; no first filing until after reasonable date; completion-by-date protections First filing and specified late-completion foreclosure acts No general reset of other periods Old receipt, notice status, transfer date, reasonable date Court, sale, completion
Complete application/appeal/offer pending at transfer Transferee Applicable separate (k)(3), (4), or (5) branch Transfer; appeal made/received; original protective receipt Calendar, except acknowledgment branch 30 from transfer for pending complete; appeal later-of 30/30 if decidable; offer unexpired balance Required review, appeal disposition, preservation of rights No automatic fresh offer period or general court pause Pending status, criteria, appeal ability, remaining offer time Offer expiry, court and sale

No actual calendar was calculated. In particular, no weekend extension, mailing presumption, holiday list, time-of-day cutoff, court service rule, or individual “last safe date” is supplied.

4. Clearly hypothetical qualitative failure branches

Every row below is an abstract stipulation. None represents an actual or fictional identified person, provider, property, account, or case. “Result” means the cited federal provision’s consequence on the stipulated facts, with other predicates expressly held.

Example Stipulated qualitative facts Federal rule result versus unknown Evidence needed in a separately authorized application Adverse misclassification to avoid
R008-P1-E01 A transaction satisfies § 39 scope; a periodic payment remains unpaid through the live-contact threshold. In a contrasting branch it is cured before that period ends. Continuing branch: C027–C028 contact duty. Cured branch: the particular live-contact trigger can disappear. Neither branch determines a court deadline. Due/payment application facts; contact attempts; communication exemptions. Treating day 36 as a borrower’s mandatory application deadline or automatic stay.
R008-P1-E02 A covered servicer proposes the first legally qualifying foreclosure act while delinquency has not exceeded 120 days; neither enumerated exception is stipulated. C061 prohibits that act. Actual State first-act identity and any remedy remain unknown. Contractual periodic due dates, applied payments, State procedural definition. Using four approximate months or a late-fee date instead of the rule’s predicate.
R008-P1-E03 The proposed first act is stipulated to rest on a due-on-sale violation, or to join another lienholder’s foreclosure. A complete application is also pending before that act. The stipulated basis can satisfy an (f)(1) exception; it does not by itself resolve the additional (f)(2) restriction. Contractual validity and other transfer protections remain held. Separate exception basis, completeness, review/appeal/offer status. Treating an (f)(1) exception as immunity from all loss-mitigation rules.
R008-P1-E04 Full scope; a complete application is received 90 days or more before sale after first filing. Thirty-day evaluation, ordinary 14-day minimum offer response, modification-denial appeal, and (g) restrictions can apply. No modification is guaranteed. Complete receipt, then-scheduled sale, options, denial and offer notices. Equating review entitlement with approval or cancellation of foreclosure.
R008-P1-E05 An application arrives 45 days or more before sale but required borrower information remains missing; no facial-completeness predicate is met. Acknowledgment/diligence duties apply; complete-application protections do not attach merely because a package was sent. Actual receipt, missing-item notice, requested information, any existing option agreement. Calling every submission “complete” or “protected.”
R008-P1-E06 All missing items listed in the acknowledgment are supplied; a later correction is requested. In one branch correction is supplied within a reasonable opportunity; in the other it is not. C049’s temporary (f)(2)/(g) treatment applies where otherwise available. Timely completion preserves specified earlier dates; failure leaves the application incomplete. The evaluation date and protective date are not merged. Original list, facial date, prompt correction request, reasonable opportunity, completion receipt. Restarting all protections at the later correction date, or treating facial status as permanent.
R008-P1-E07 A first application becomes complete more than 37 but fewer than 45 days before sale; first filing already occurred. The ordinary five-day initial acknowledgment gate is absent, but the >37-day evaluation and later-foreclosure rules can apply, and the separate complete-application notice must be checked. Receipt and completeness dates; sale; prior complete notice/determination. Treating absence of the 45-day acknowledgment duty as absence of all protection.
R008-P1-E08 First filing occurred; the first qualifying completion is exactly 37 days before sale; no transfer or earlier facial/protective branch is stipulated. The ordinary more-than-37 gate is not met. State, investor and other legal restrictions remain unknown. Receipt, earlier submissions, sale setting, transfer circumstances. Rounding “more than 37” into “37 or more,” or declaring sale universally lawful.
R008-P1-E09 Complete receipt is more than 37 days before sale after first filing, and a dispositive motion was already pending. C065–C066 require the specified protective steps; permitted intermediate procedure may continue. Court action and response duties are not automatically suspended. Motion’s procedural nature, application receipt, counsel instructions and protective steps. Ignoring court papers because the application is under review.
R008-P1-E10 Compare complete receipt at exactly 90 days, versus fewer than 90 but more than 37 after first filing, versus receipt before first filing within the (f) period. Exactly 90 meets the appeal route. The middle branch does not meet it solely through sale distance. The pre-filing branch can qualify through (f). Actual appeal requirements remain notice-specific. Complete receipt, first-act date, sale date, actual denial/appeal instructions. Using one “90-day” label without checking inclusivity and the independent (f) route.
R008-P1-E11 Same servicer fully complied for an earlier complete application; delinquency never ended; financial circumstances later changed. Section 41(i) may excuse another full review; changed facts alone do not expressly reset it. Applicable investor reevaluation requirements under § 38 remain a separate question. Prior full compliance, continuous delinquency, applicable published investor requirements if separately authorized. Assuming every changed fact mandates a new § 41 review, or that no other review duty can exist.
R008-P1-E12 Prior complete review occurred, then delinquency ended, then a new delinquency arose. C069 requires renewed applicable compliance; this is not a lifetime one-review bar. Actual new timing gates still matter. Cure and new delinquency, new receipt/completeness, sale status. Treating any previous modification application as permanent exhaustion.
R008-P1-E13 Small-servicer qualification is stipulated. A complete application alone is pending; separately, an agreed loss-mitigation option is being performed. Full ordinary review/appeal duties do not automatically follow from the application. But (f)(1) remains, and performance independently bars the listed foreclosure acts under (j). Qualification basis, agreement and performance, delinquency. “Small” means no federal foreclosure restrictions, or “complete” imports every ordinary duty.
R008-P1-E14 Any borrower is in bankruptcy. Compare available options/no qualifying cease notice, against no available options or the qualifying combined FDCPA condition. First branch can require the modified 45-day written notice; second can exempt it. Live contact is excepted. Section 41 and any separate bankruptcy stay require their own predicates. Bankruptcy event/status, options, notification, order/discharge/payment facts. Importing a communication exemption into every foreclosure restriction.
R008-P1-E15 FDCPA applicability and a qualifying written cease notification are stipulated; options remain available; no borrower is in bankruptcy. Modified notice remains required, with the prohibited-more-than-once-in-180 and 190-day formula. Receipt, previous notice provision, delinquency at interval end, content. Applying the ordinary “not required more than once” wording to this prohibited-repeat branch.
R008-P1-E16 A qualifying successor is confirmed, has not assumed personal liability, and has not returned a compliant optional acknowledgment. The listed § 39 communications can be excepted; otherwise applicable § 41 treatment does not depend on assumption or acknowledgment. Confirmation, principal residence, compliant optional notice/form, other scope facts. “No assumption” or “no acknowledgment” means no loss-mitigation rights.
R008-P1-E17 A potential successor submits material before confirmation; the servicer elects to defer evaluation. Preserve the material; receipt for § 41 is treated as confirmation-date receipt, subject to the prompt-confirmation policies. Actual sale-distance protection cannot be inferred from the earlier submission alone. Confirmation process, reasonable documentation, dates, principal residence, staleness. Automatically using the earliest submission date, or assuming confirmation may be delayed without constraint.
R008-P1-E18 A complete application had already qualified, then sale is moved earlier. Contrast an originally late application followed only by postponement. Previously attached protections persist. The latter branch is not automatically upgraded by postponement under this report; new receipt or other applicable requirements must be identified. Original receipt and sale schedule; later changes; any new complete submission. Recalculating away attached rights, or assuming every postponement creates them retroactively.
R008-P1-E19 Transfer occurs while the initial acknowledgment period is unexpired and no acknowledgment was given. Completion reaches either servicer 37 or fewer days before sale but by the disclosed reasonable date. Ten-excluded-day acknowledgment branch applies; (c), (d), and (g) must be honored under the specific exception. Appeal is not automatically added solely by this clause. Old receipt, transfer date, acknowledgment status, reasonable date, completing receipt. Applying a blanket “too late at 37 days” rule.
R008-P1-E20 A complete application is pending at transfer; new criteria require additional material. Thirty-day transfer evaluation framework and preserved facial status must be analyzed together. New requirements do not erase the original protective date. Old/new criteria, original complete/facial date, requested correction and receipt. Treating servicing transfer as a fresh unprotected application.
R008-P1-E21 An appeal remains unresolved at transfer. Contrast a transferee able to decide it with one unable to do so. Able: later-of 30-day deadlines. Unable: pending-complete-application treatment, with separate appeal-receipt and original protective dates. Appeal made/received, transfer, records, program availability, original completion. Automatically dismissing the appeal or using one date for every purpose.
R008-P1-E22 An offer’s compliant acceptance period has not expired when servicing transfers. The unexpired balance survives; no automatic entirely new period is created. Offer provision, terms, deadline, transfer, any qualifying appeal extension. Assuming transfer cancels the offer or restarts its full acceptance period.
R008-P1-E23 All borrower-required material is supplied, but an outside approval is missing. Contrast a true outside-party delay with unfinished internal servicing work. Completeness is not defeated merely by either missing item. The special delay/denial exception requires its outside-party and diligence predicates; internal delay does not automatically qualify. Who controls the information, requests, elapsed period, possible completed steps, investor necessity. Relabeling internal backlog as missing borrower information or automatic third-party extension.
R008-P1-E24 A qualifying short-term plan is offered on an incomplete application and is being performed. Separately, a COVID-related deferral is proposed. Short-term performance has its express foreclosure protections. COVID deferral requires every retained (c)(2)(v) condition; deleted (vi) is not available as the operative exception. Plan terms, duration, performance; deferral charges/interest/cure conditions and applicable hardship meaning. Assuming all incomplete-application offers are unprotected, or all former COVID exceptions remain operative.
R008-P1-E25 The property is vacant, but principal-residence status is unstipulated. Alternatively, the product is an open-end home-equity line or qualifying reverse mortgage. Vacancy alone does not resolve § 30(c)(2). The specified product exclusions are different, express paths. No actual product or residence determination is made. Generic legal classification and residence facts only if separately authorized. Treating vacancy as automatic abandonment or applying these procedures to every mortgage-like product.

5. Blank generic document-audit worksheet

This is an unfilled schema, not a request for records or permission to retrieve them. No identifying fields, sample identifiers, actual dates, amounts, or conclusions have been entered.

Generic audit item Predicate to test Audit result / supporting location
Applicable primary publication and version Operative text, effective date, corrections, access date —
Federal mortgage nexus § 2602 / § 1024.2 collateral and nexus route —
Product and purpose HELOC, reverse, temporary, business/agricultural, vacant-land and other exclusions —
Principal-residence basis § 30(c)(2), including vacancy qualification —
Servicing role Person responsible; master/subservicer; specific agency exclusion —
Small-servicer basis Correct route, count universe, affiliates/associated entities, exclusions and transition —
Borrower/successor status Qualifying transfer, confirmation, assumption distinction —
Optional successor notice Required explanations, separate acknowledgment, return/assumption/revocation status —
Periodic-payment terms Due date and principal/interest/escrow components —
Payment application Oldest unpaid payment, tolerance, cure and new delinquency —
Early live-contact evidence Actual contact versus good-faith effort; timing; representative —
Early written-notice evidence Provision, contents, ordinary or modified frequency branch —
Bankruptcy communication predicate Petition/status, options, orders, discharge, postcommencement payments —
FDCPA communication predicate Applicability to loan, qualifying writing, receipt, other borrower interaction —
Initial application Request plus evaluative information; actual receipt —
Acknowledgment Timeliness, complete/incomplete status, missing list, reasonable date —
Completion and facial completion Required borrower material; listed items; corrections; reasonable opportunity —
Outside information Borrower control, servicer control, or true third party; diligence —
First foreclosure act Applicable published State procedure and legal character of the act —
Sale scheduling Schedule existing at relevant receipt; later scheduling/rescheduling —
Determination notice Available options; each modification denial; actual reasons; NPV/investor particulars —
Offer response Provision event, lawful minimum, actual expiry, trial payments —
Appeal Eligibility, disclosed method, made/received events, separate reviewer, determination —
Foreclosure release condition No-options/appeal closure, rejection of all options, or nonperformance —
Prior applications Same-servicer full compliance, continuous delinquency or cure —
Short-term option Definition, written terms, performance and diligence resumption —
Retained COVID deferral All (c)(2)(v) conditions; definition/version issue preserved —
Application transfer Pending status, defined transfer date, old/new receipt and criteria —
Transfer acknowledgment Unexpired original period, no prior notice, reasonable-date protections —
Transfer appeal or offer Decidable/undecidable branch; separate dates; unexpired offer balance —
Competing obligations Court/service, State sale/redemption, contract, offer, assistance and other held clocks —
Calendar construction, if ever separately authorized Trigger wording, units, holidays/weekends, receipt/provision distinction, applicable counting authority —

6. Granular coverage and question → claim/source crosswalk

“Answered” means the generic legal branch was investigated. It does not mean any actual eligibility, liability, deadline, or foreclosure outcome was determined. A factual application is excluded throughout this pass.

Assigned subquestion / major branch Coverage status Claim / source / example links Exact missing authority or facts Next bounded permissible investigation
Q1: federally related mortgage loan and federal nexus Answered generically C007–C008; S001/S003; E25 Actual collateral, funding and nexus facts excluded No factual application in this component
Q1: business, agricultural, rental-purpose exclusion Answered generically C009; S003/S010 Actual primary purpose and classification excluded If separately scoped, published classification authority only
Q1: temporary construction and permanent-financing exceptions Answered generically C010; S003 Actual term, commitment, conversion and builder facts No loan determination
Q1: vacant-land exception Answered generically C011; S003 Actual proceeds/use/timing excluded No property investigation
Q1: assumptions, conversions, secondary-market and partial exemptions Answered generically C012; S003 Actual transaction terms excluded Do not infer servicing exemption from a transfer label
Q1: principal residence and vacancy Answered rule; application unresolved C013; S004/S007; E25 State law and residence facts absent Public State-law work only with separate authorization
Q1: reverse mortgages, HELOCs, qualified Farm Credit lender Answered generically C013; S004/S010/S011; E25 Product and loan-specific qualification absent No provider or loan status query
Q1: servicer, master/subservicer, special agency exclusions Answered generically C014–C015; S001/S003/S009 Actual servicing role and exception nexus absent No entity/roster lookup
Q1/Q5: small-servicer alternatives, count and transition Answered generically C015–C017/C071; S009–S012; E13 Count, affiliation, origination, HFA/nonprofit and transition facts absent No actual qualification decision
Q1/Q5: successor categories and confirmation Answered generically C018–C020; S004/S007/S008; E16–E17 State title/transfer and confirmation facts absent Public generic successor authority only if needed
Q1/Q2: successor acknowledgment and communications Answered generically C021/C038; S004/S007; E16 Compliant optional notice and acknowledgment facts absent No form supplied or inspected
Q1: delinquency and day definitions Answered generically C022–C023; S004/S007; E01–E02 Payment terms/application and actual calendar absent No individual calculation
Q1: relevant § 2605 authority and remedies boundary Answered narrowly C026; S001/S006 Standing, causation, remedy and jurisdiction questions excluded Separate authorized remedies investigation only
Q2: live-contact trigger, meaning, repeat duty Answered C027–C028/C031; S005/S007; E01 Actual contact/payment facts absent None needed for generic branch
Q2: written notice timing/content/frequency Answered C029–C030; S005/S007/S008 Actual notice/provision facts absent None needed for generic branch
Q2: continuing delinquency, ongoing mitigation and narrow transfer effects Answered C031–C032; S007 Actual agreement and transferred-payment facts absent No R006 notice rerun
Q2: bankruptcy exemption, modified notice, resumption Answered generic branch C033–C035; S005/S007; E14 Bankruptcy status/orders/discharge/payments excluded No bankruptcy case inquiry
Q2: FDCPA notification and modified duties Answered narrowly C036–C038; S002/S005/S007/S015; E15 FDCPA coverage and notification facts absent; broader disputes held No debt-collector or borrower query
Q2: official model clauses Excluded as unnecessary C030; § 39(b)(3), (d)(3)(i) No model form needed to state duties If needed later, retrieve exact official version and inspect relevant pixels
Q3: oral application versus inquiry; actual receipt Answered C024/C039; S004/S006/S007; E05 Actual communication and receipt absent No form or identifier entry
Q3: 45-day inclusive acknowledgment gate and five-day units Answered C040; S006/S007; E05/E07 Actual sale/receipt/calendar absent No individual deadline
Q3: reasonable date and milestones Answered C041; S007; E05/E19 Staleness/milestone chronology absent No invented 30-day entitlement
Q3/Q5: receipt-date snapshot, no scheduled sale, rescheduling Answered rule; retrospective late-application conclusion held C042; S006/S007; E18 New receipt, original/later schedule, other law absent Read a strictly necessary additional published interpretation if a generic ambiguity is separately posed
Q3: complete application, >37 gate, 30-day determination Answered C039/C043; S006/S007; E04/E07/E08 Completeness/options/receipt absent No eligibility analysis
Q3: incomplete anti-evasion and stalled application Answered C044–C045; S006/S007; E05 Diligence/progress/context absent No fixed “significant period” invented
Q3: short-term incomplete-application exception Answered C046–C047; S006/S007; E24 Terms, performance and requests for further help absent No program application
Q3/currentness: retained COVID deferral Text answered; interpretive definition gap preserved C003/C048; S006/S016/S017; E24 Post-deletion definition issue; no hardship/program facts Bounded primary-authority clarification of retained terminology if needed
Q3: facial completeness, correction and relation-back Answered C049; S006/S007; E06 Listed missing items, timing and reasonable opportunity absent Keep evaluation and protection dates separate
Q3: complete-application notice and exceptions Answered C050; S006/S007; E06/E07 Prior notice and actual completion history absent No actual notice audit
Q3: borrower-control versus internal versus third-party information Answered C051–C053; S006/S007; E23 Control, diligence, necessity and elapsed period absent No records request
Q4: >120 threshold and due-on-sale/joining exceptions Answered C061; S006; E02–E03 Delinquency and exception facts; other law absent No actual first-filing permission
Q4: judicial/nonjudicial first act Answered federal definition; State identification unresolved C062; S007 comment 41(f)-1.i–iv; E02/E09 State procedure and actual act/date absent Separate authorized public State-procedure research
Q4: complete application before first filing Answered C063–C064; S006; E03 Completion, first act, release conditions absent No operational authorization
Q4: application after first filing Answered C065–C068; S006/S007; E07–E09 Receipt, schedule, motion and counsel facts absent No docket or court-status query
Q4: appeal closure/rejection/nonperformance release Answered C064; S006/S007; E04/E10/E24 Notices, appeal, all offers, performance absent No actual release determination
Q4: State court response, sale validity, injunction, remedy Excluded/held C026/C067; S001/S006/S007 Jurisdiction, procedure, facts, remedy authority not investigated Requires separate authorized component
Q5: denial reasons Answered C054; S006/S007 Actual notice, investor rules and calculation inputs absent No individualized merits decision
Q5: offer minimums, trial-plan acceptance and appeal extension Answered C055–C056/C060; S006; E04/E10/E22 Actual provision/offer terms/payments absent Preserve actual offer expiry as unknown
Q5: appeal eligibility, method, 14/30/14 periods Answered C057–C059; S004/S006/S007; E10/E21 Notice-specific method and making/receipt facts absent No universal written-appeal requirement invented
Q5: repeat applications, cure and changed facts Answered C069–C070; S006/S007/S008; E11–E12 Prior compliance/continuity/investor requirements absent No lifetime one-review assumption
Q5: transfer general pending status and dates Answered independently C072–C073; S006–S008; E20–E22 Pending status and actual dates absent No R006 foundation or broad notice rerun
Q5: transfer acknowledgment and reasonable-date extension Answered C074–C076; S006/S007; E19 Unexpired period, notice status and dates absent No blanket >37 cutoff
Q5: transfer evaluation and changed completion criteria Answered C077–C078; S006/S007; E20 Criteria and receipt history absent No loss of facial status assumed
Q5: transfer appeal able/unable branches and pending offer Answered C079–C081; S006/S007; E21–E22 Ability to decide, appeal dates, remaining offer period absent No automatic offer-period restart
Q6: urgency matrix and hypothetical failure paths Answered qualitatively Matrix; E01–E25; cited claims Actual dates/identifiers deliberately absent No worked calendar needed
Currentness: operative versus proposed/deleted material Answered within stated read bounds C001–C006; S013–S020 Full post-currency and historical reconciliation remains unclosed Public primary Federal Register/US Code update audit only
Court decisions and later history Not necessary; not used C026/C067 and currentness limits No majority opinion, posture or later-history proposition relied upon Read actual published majority only if a later bounded legal question makes it necessary
Parent/component/operational/publication acceptance Expressly not granted Section 8 below Entire remaining parent scope and permissions held No implied next action

7. Read and failure log

Log item What was actually done Result and bounded limitation
L01 — Fresh statutory reading Read current available House RESPA and the necessary FDCPA provision. Core bodies obtained; House compilation lag remains explicit.
L02 — Fresh operative Regulation X reading Read §§ 30–32, complete §§ 39 and 41, necessary §§ 2, 5, 38 and 40, and official interpretations. Body reading supported the claim register; no search snippet substituted for the operative clauses.
L03 — Adjacent qualification reading Read small-servicer definition/comments, reverse/product-purpose definitions, seller-financer counting exclusion, Farm Credit and HFA definitions. Generic predicates obtained; no actual entity or product qualification attempted.
L04 — Publication conflict Compared CFPB “current” pages with eCFR, annual CFR §§ 39/.41, and the 2025 amendatory rule. Stale displayed COVID passages identified; current and historical text kept separate.
L05 — Published CFR comparison Read the 2026 annual § 39 text and compared § 41(a)–(k) across its eight-page excerpt. January 1, 2026 edition confirmed for these excerpts; this was not a full-volume audit.
L06 — Final/interim-final history Read selected operative/date portions of 2013, 2016, 2017, 2020 and 2025 publications. Effective dates recorded; entire long preambles and every intervening correction were not claimed as read.
L07 — Proposed replacement check Read the 2024 proposal’s action/date material and the agency’s under-development entry; performed targeted official-source discovery for later final rules. No operative final replacement established. Search nonappearance is not a complete negative legal-history proof.
L08 — Guidance status Read the official withdrawn-guidance register at its recovered correct path. No freestanding guidance was used as operative authority. No general claim that every historical advisory’s publisher status was independently audited.
L09 — House retrieval failure The preliminary § 2605 endpoint returned 404; changed to a version-specific House endpoint. Recovered body. S021 documents the failed path; S001 supplies the foundation.
L10 — Guidance-path failure The rules-policy/withdrawn-guidance path failed; changed to compliance/guidance/withdrawn-guidance. Recovered register. S022 records the failed path.
L11 — PDF limits Parsed text used for CFR and Federal Register PDFs; visually inspected only the 2025 rule’s printed p. 20792 / index 1. No unseen page, image, full model form, or full visual layout is claimed to have been inspected.
L12 — Excluded search hits Searches incidentally returned secondary commentary, examination material and enforcement-record links. Those materials were not opened or used as a substantive foundation; no case-record or docket-status research followed them.
L13 — Foundation independence Built this pass from the publications listed above. No earlier SettleADebt output, other chat, Library research, or delegated research used.
L14 — No actual calculation or action Used qualitative timing branches and an unfilled worksheet. No borrower deadline, liability, eligibility, award, remedy, filing, contact or operational action determined.

8. Self-check and preserved parent holds

Self-check — not independent review

Check Result
Inclusive/strict thresholds Kept 45 or more, more than 37, 90 or more, and more than 120 distinct.
Units and trigger events Kept calendar days separate from expressly excluded days; distinguished receipt, provision of a notice/offer, making an appeal, transfer, and the then-scheduled sale.
Complete versus incomplete Preserved ordinary incomplete, stalled incomplete, short-term, retained COVID deferral, facially complete, actually complete, and outside-information branches.
First filing versus later foreclosure Kept (f)(1), (f)(2), and (g) separate; identified the official State-procedure-dependent first-act interpretation.
Exceptions Did not extend bankruptcy, FDCPA, successor acknowledgment, small-servicer, product, or due-on-sale/joining exceptions beyond their stated scope.
Appeals/offers/transfers Preserved alternative appeal eligibility, notice-specific method requirements, 14/30/14 periods, unexpired offer balance, and different transfer receipt/evaluation/protection dates.
Currentness Identified stale agency text, operative rescission, retained provision, proposed replacement, publication dates, access date, and unclosed audits.
Evidence boundary No actual records, identifiers, individual conclusions, court-status inquiries, unseen-form claims, or invented calendars/awards.
Review status This is the same researcher’s consistency check, not independent legal or source review.

Specific holds that remain in force

This focused component does not resolve or authorize:

  • Court and State-process matters: service, answer/response periods, court calendars, judicial or nonjudicial State foreclosure prerequisites, sale authority or validity, redemption, limitations, injunctions, appeals, possession, repossession, eviction, or docket status.
  • Other competing deadlines: utility termination, garnishment, tax notices, FDCPA disputes, offer expiry beyond the identified federal interaction, assistance-program applications, or other administrative or contractual response periods.
  • Contract and substantive rights: default, cure, acceleration, title, assignment, security interests, standing, payment accounting, credit reporting, tax, bankruptcy stay/discharge consequences, liability, damages, remedies, or litigation strategy.
  • Other scope: all other products; local, State, tribal and non-U.S. law; other A008 dimensions; any individualized fact permission or eligibility/creditworthiness decision.
  • Other workstreams: a broad servicing-transfer or ownership-transfer notice review, R006 reliance, records requests, filings, contacts, purchases, account changes, sites, publication, or operational implementation.
  • Acceptance: no component acceptance, State acceptance, parent acceptance, operational acceptance, publication acceptance, or comprehensive closure is supplied.

The generic federal branches are presented above with their source predicates and limits. The applicable State procedure and every actual timeline remain expressly unresolved.

END R008 PASS-01

Every captured table

Captured cells with original header handling and explicitly labeled bounded correction overlays. Downloaded JSON retains original cells. Tables may contain source limitations, historical examples and identified corrections; the complete reading supplies context.

Read the evidence with its boundaries. These are saved research components, including revisions. A scoped coordinator review checks selected evidence; it does not certify every claim, a complete jurisdiction, current law or individual applicability. Dates and access limits remain attached to the records.

How to read the research →

Captured table 01

Source ID · Issuer, title, jurisdiction · Complete literal HTTPS URL(s) · 22 data rows

Source IDIssuer, title, jurisdictionComplete literal HTTPS URL(s)Exact substantive read bounds; printed page / PDF indexVersion, effective predicate, actual check, and limits
R008-P1-S001U.S. House, Office of the Law Revision Counsel; 12 U.S.C. §§ 2602, 2605, RESPA; U.S. federalhttps://uscode.house.gov/us/usc/119-121/t12/s2602/ ; https://uscode.house.gov/us/usc/119-121/t12/s2605/ ; fallback representation: https://www.govinfo.gov/link/uscode/12/2605§ 2602(1), relevant source/editorial notes; § 2605(f), (i), (j)(3), (k)(1), relevant source notes. Transfer and other adjacent text appearing in returned windows was not used to rerun transfer-notice or error-resolution research. House: HTML. GovInfo fallback: selected § 2605(f), (i)–(k), printed pp. 1449–1450 / indices 2–3.Fresh, 2026-10-27. House label: laws in effect through Pub. L. 119-121, October 9, 2026. The fallback PDF’s edition was not established and is not the currentness foundation. No complete session-law audit through October 27. uscode.house.gov +1
R008-P1-S002U.S. House OLRC; 15 U.S.C. § 1692c, FDCPA § 805; U.S. federalhttps://uscode.house.gov/us/usc/119-121/t15/s1692c/Necessary § 1692c(c) notification, receipt, and exceptions; surrounding section read. HTML; pages/index N/A.Fresh, 2026-10-27. Same October 9, 2026 compilation predicate. Used only for the cease-communication interaction; no general FDCPA coverage or dispute investigation. uscode.house.gov
R008-P1-S003CFPB regulation, published by OFR/GPO through eCFR; 12 CFR §§ 1024.2, 1024.5; U.S. federalhttps://www.ecfr.gov/current/title-12/chapter-X/part-1024/subpart-A/section-1024.2 ; https://www.ecfr.gov/current/title-12/chapter-X/part-1024/subpart-A/section-1024.5§ 1024.2(a), relevant definitions of business day, federally related mortgage loan, servicer, servicing, State, and associated scope terms; § 1024.5(a)–(d). HTML.Fresh, 2026-10-27; eCFR through 2026-10-23. Selected definitions, not every unrelated settlement definition. No individual product classification. ecfr.gov +1
R008-P1-S004CFPB/OFR/GPO; 12 CFR §§ 1024.30–1024.32; U.S. federalhttps://www.ecfr.gov/current/title-12/chapter-X/part-1024/subpart-C/section-1024.30 ; https://www.ecfr.gov/current/title-12/chapter-X/part-1024/subpart-C/section-1024.31 ; https://www.ecfr.gov/current/title-12/chapter-X/part-1024/subpart-C/section-1024.32Complete operative scope, definitions, and disclosure/successor provisions in these three sections. HTML.Fresh, 2026-10-27; eCFR through 2026-10-23. Successor amendments’ effective-date predicate addressed in S014. The removed COVID-hardship definition was not imported from the stale agency mirror. ecfr.gov +2
R008-P1-S005CFPB/OFR/GPO; 12 CFR § 1024.39, Early intervention requirements; U.S. federalhttps://www.ecfr.gov/current/title-12/chapter-X/part-1024/subpart-C/section-1024.39 ; https://www.govinfo.gov/content/pkg/CFR-2026-title12-vol8/pdf/CFR-2026-title12-vol8-sec1024-39.pdfComplete current § 1024.39(a)–(d). Annual CFR: printed 718–719 / indices 0–1, operative section through amendment credit.Fresh, 2026-10-27. eCFR through October 23; annual edition January 1, 2026. § 1024.39(e) is absent from these operative versions. PDF text read; pixels not inspected. ecfr.gov +1
R008-P1-S006CFPB/OFR/GPO; 12 CFR § 1024.41, Loss mitigation procedures; U.S. federalhttps://www.ecfr.gov/current/title-12/chapter-X/part-1024/subpart-C/section-1024.41 ; https://www.govinfo.gov/content/pkg/CFR-2026-title12-vol8/pdf/CFR-2026-title12-vol8-sec1024-41.pdfComplete operative § 1024.41(a)–(k) in eCFR; annual CFR body compared across printed 720–727 / indices 0–7. Adjacent settlement-form text on the last PDF page was not used.Fresh, 2026-10-27. eCFR through October 23; annual edition January 1, 2026. Retains (c)(2)(v); omits former (c)(2)(vi) and (f)(3). PDF comparison was text, not pixels. ecfr.gov +4
R008-P1-S007CFPB/OFR/GPO; Supplement I to Part 1024, Official Bureau Interpretations; U.S. federalhttps://www.ecfr.gov/current/title-12/chapter-X/part-1024/appendix-Supplement%20I%20to%20Part%201024Comment 5(c)(1)-1; necessary comments to §§ 30–32; § 38 successor, evaluation, counsel, and transfer comments; complete relevant § 39 and § 41 commentary, including 41(f)-1.i–iv, 41(g)-1–5, 41(i)-1–2, and 41(k) branches. HTML.Fresh, 2026-10-27; eCFR through 2026-10-23. These are codified official interpretations, distinguished from statutory text and freestanding guidance. Unrelated escrow/insurance commentary in overlapping returned windows was not a foundation. ecfr.gov +6
R008-P1-S008CFPB/OFR/GPO; necessary adjacent 12 CFR §§ 1024.38, 1024.40; U.S. federalhttps://www.ecfr.gov/current/title-12/chapter-X/part-1024/subpart-C/section-1024.38 ; https://www.ecfr.gov/current/title-12/chapter-X/part-1024/subpart-C/section-1024.40§ 38(a), (b)(1)(vi), (b)(2)–(4); § 40(a)–(b), only as needed for successor confirmation, investor requirements, transfer information, and the contact referenced in § 39. HTML.Fresh, 2026-10-27; eCFR through 2026-10-23. No separate records-access, error-resolution, or private-enforcement conclusion. ecfr.gov +1
R008-P1-S009CFPB/OFR/GPO; 12 CFR § 1026.41(e)(4) and official interpretation; U.S. federalhttps://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-E/section-1026.41 ; https://www.consumerfinance.gov/rules-policy/regulations/1026/interp-41/§ 41(a)(1), complete (e)(4); comments 41(e)(4)(ii)-1–4 and (iii)-1–5. HTML.Fresh, 2026-10-27. eCFR through October 23; agency commentary displayed current version, but a complete independent Regulation Z amendment history was not audited. Other periodic-statement exemptions were not imported into Regulation X. ecfr.gov +2
R008-P1-S010CFPB/OFR/GPO; cross-referenced Regulation Z scope definitions; U.S. federalhttps://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-A/section-1026.3 ; https://www.consumerfinance.gov/rules-policy/regulations/1026/interp-3/ ; https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-E/section-1026.33 ; https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-E/section-1026.36§ 3(a)(1), comments 3(a)-1, -3–6, -8 as relevant to purpose; § 33(a) reverse-mortgage definition; § 36(a)(5) seller-financer criteria. HTML.Fresh, 2026-10-27. Current eCFR display through October 23; agency commentary current-label limitation retained. No ability-to-repay, origination, or seller-financer determination. ecfr.gov +3
R008-P1-S011Farm Credit Administration/OFR/GPO; 12 CFR § 617.7000; U.S. federalhttps://www.ecfr.gov/current/title-12/chapter-VI/subchapter-B/part-617/subpart-A/section-617.7000Necessary “loan” and “qualified lender” definitions, read with comment 30(b)-1. HTML.Fresh, 2026-10-27; eCFR through October 23. Loan-specific nexus retained; no institution roster or status query. ecfr.gov
R008-P1-S012HUD/OFR/GPO; 24 CFR § 266.5; U.S. federalhttps://www.ecfr.gov/current/title-24/subtitle-B/chapter-II/subchapter-B/part-266/subpart-A/section-266.5“Housing finance agency or HFA” definition. HTML.Fresh, 2026-10-27. Title 24 displayed through October 23, last amended August 20, 2026; that title-wide date is not a claim that this definition changed then. ecfr.gov
R008-P1-S013CFPB, Federal Register; Mortgage Servicing Rules Under RESPA (Regulation X); U.S. federalhttps://www.govinfo.gov/content/pkg/FR-2013-02-14/pdf/2013-01248.pdfTitle, action, and DATES on printed 10696 / index 0.Fresh selected historical read, 2026-10-27. Published February 14, 2013; final rule effective January 10, 2014. Not a claim to have read the entire 204-page rule or every intervening amendment. govinfo.gov
R008-P1-S014CFPB, Federal Register; 2016 amendments to the 2013 mortgage rules under RESPA and TILA; U.S. federalhttps://www.govinfo.gov/content/pkg/FR-2016-10-19/pdf/2016-18901.pdfTitle/DATES, printed 72160 / index 0; effective-date discussion, printed 72349–72350 / indices 189–190, especially identification of successor provisions.Fresh selected historical read, 2026-10-27. Generally effective October 19, 2017; identified successor provisions effective April 19, 2018. Regulation Z bankruptcy-statement provisions also had the later date; this does not shift § 1024.39’s bankruptcy duties to that date. Full 242-page history not audited. govinfo.gov +1
R008-P1-S015CFPB, Federal Register; Mortgage Servicing Rules Under RESPA (Regulation X), 2017 notice-frequency amendment; U.S. federalhttps://www.federalregister.gov/documents/2017/10/16/2017-21912/mortgage-servicing-rules-under-the-real-estate-settlement-procedures-act-regulation-xAction/DATES; operative revision of § 39(d)(3)(iii); selected explanation. Printed 47953 header and 47957–47958 amendatory text; HTML, PDF index N/A.Fresh, 2026-10-27. Interim final rule published October 16, 2017, effective October 19, 2017; supplies the 190-day modified-notice branch. federalregister.gov +1
R008-P1-S016CFPB, Federal Register; Treatment of Certain COVID-19 Related Loss Mitigation Options Under RESPA (Regulation X); U.S. federalhttps://www.federalregister.gov/documents/2020/06/30/2020-13853/treatment-of-certain-covid-19-related-loss-mitigation-options-under-the-real-estate-settlementHeader/DATES and actual addition of § 41(c)(2)(v), revision of (c)(2)(i). Printed 39055 header, 39065 amendatory material; HTML, PDF index N/A.Fresh, 2026-10-27. Interim final rule published June 30, 2020, effective July 1, 2020. Historical wording is not substituted for the 2025-revised current text. federalregister.gov +1
R008-P1-S017CFPB, Federal Register; Protections for Borrowers Affected by the COVID-19 Emergency Under RESPA, Regulation X; Rescission; U.S. federalhttps://www.govinfo.gov/content/pkg/FR-2025-05-16/pdf/2025-08643.pdfCFPB header/DATES; operative instructions and replacement text for §§ 31, 39, 41 and Supplement I. CFPB material printed 20791–20795 / indices 0–4; unrelated material sharing first/last pages excluded. Pixels inspected only at 20792 / index 1.Fresh, 2026-10-27. Published May 16, 2025; interim final rule effective July 15, 2025. Its request for comments did not make it merely proposed. Selected preamble plus necessary operative amendments read; no full litigation-status audit. govinfo.gov +3
R008-P1-S018CFPB, Federal Register and agency status page; Streamlining Mortgage Servicing for Borrowers Experiencing Payment Difficulties (Regulation X); U.S. federalhttps://www.govinfo.gov/content/pkg/FR-2024-07-24/pdf/2024-15475.pdf ; https://www.consumerfinance.gov/rules-policy/rules-under-development/Proposal title/action/comment dates, printed 60204 / index 0; agency “rules under development” entry and page status.Fresh limited status read, 2026-10-27. Published July 24, 2024 as a proposed rule; comments due September 9, 2024. Agency page still classified it as proposed and showed October 13, 2026 modification. No final replacement effective date established. Proposal body not used as operative law. govinfo.gov +1
R008-P1-S019CFPB regulation-page mirrors; §§ 1024.31, .39, .41; U.S. federal publisherhttps://www.consumerfinance.gov/rules-policy/regulations/1024/31/ ; https://www.consumerfinance.gov/rules-policy/regulations/1024/39/ ; https://www.consumerfinance.gov/rules-policy/regulations/1024/41/Displayed current-version labels and the conflicting COVID-hardship definition, § 39(e), § 41(c)(2)(vi), § 41(f)(3), with embedded related comments. HTML.Fresh discrepancy comparison, 2026-10-27. These passages were not accepted as operative replacements for S005–S007/S017. Publisher “current” labels did not resolve the conflict. Consumer Financial Protection Bureau +4
R008-P1-S020CFPB; Withdrawn Guidance register; U.S. federal publisher statushttps://www.consumerfinance.gov/compliance/guidance/withdrawn-guidance/Register body and modification label, including the withdrawn 2017 early-compliance policy. HTML.Fresh status read, 2026-10-27. Page displayed July 22, 2026 modification. No freestanding circular, bulletin, advisory, or supervisory manual is an operative foundation here. Register withdrawal does not itself repeal a statute or amend codified text. Underlying withdrawn guidance was not used. Consumer Financial Protection Bureau +2
R008-P1-S021Attempted House OLRC preliminary § 2605 endpoint; U.S. federalhttps://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title12-section2605&num=0&edition=prelimFailed body retrieval: 404. No operative text read from this endpoint.Failure, 2026-10-27. Recovered through S001’s version-specific House page. Failure is not evidence that no rule exists.
R008-P1-S022Attempted CFPB guidance-register path; U.S. federalhttps://www.consumerfinance.gov/rules-policy/withdrawn-guidance/Failed body retrieval. No register body read at this path.Failure, 2026-10-27. Recovered through S020’s correct compliance/guidance path.
Source links captured in this table

Captured table 02

Claim ID · Area and precise claim · Trigger, conditions, exceptions, and limits · 6 data rows

Claim IDArea and precise claimTrigger, conditions, exceptions, and limitsSource pinpoint; status
R008-P1-C001The sources have different currency predicates.October 27 access does not convert the eCFR’s October 23 currency label, the January 1 annual edition, or the House’s October 9 compilation label into a completed through-access-date legal audit.S001, S004–S006; V/U.
R008-P1-C002The July 15, 2025 rescission removes the § 31 COVID-hardship definition, § 39(e), § 41(c)(2)(vi), § 41(f)(3), and associated 2021 commentary.The old special foreclosure safeguards and special COVID contact provisions are historical/deleted, even where an agency mirror still displays them. The old § 39(e) and § 41(f)(3) also contained their own earlier temporal limits.S017, amendatory instructions 2–5; S005–S007; R/V.
R008-P1-C003Section 41(c)(2)(v) remains in the operative text.This is the narrow deferral-option exception detailed in C048, not the deleted (c)(2)(vi) modification exception. The remaining phrase “COVID-19-related hardship” is not newly defined here by importing the deleted § 31 definition.S006 § 41(c)(2)(v); S017 instruction 4; R/U.
R008-P1-C004The retrieved 2024 streamlining document is proposed, not an operative replacement.No final effective replacement was established in this pass. A regulatory-agenda target or agency page update would not itself amend the rule.S018 action/DATES and status entry; V/U.
R008-P1-C005No withdrawn freestanding guidance supplies an operative premise.Codified official interpretations are identified separately. The withdrawn-guidance register was checked; no assumption is made that withdrawal of guidance repeals RESPA or deletes CFR text.S007, S020; V/I.
R008-P1-C006Relevant implementation dates differ.Original 2013 rule: January 10, 2014. Most relevant 2016 amendments: October 19, 2017. Identified successor provisions: April 19, 2018. Modified FDCPA notice amendment: October 19, 2017. Original retained COVID-deferral exception: July 1, 2020, later revised in 2025. Historical application requires its own version analysis.S013–S017, DATES; S014 Part VI; R/V.

Captured table 03

Claim ID · Area and precise claim · Trigger, conditions, exceptions, and limits · 19 data rows

Claim IDArea and precise claimTrigger, conditions, exceptions, and limitsSource pinpoint; status
R008-P1-C007A federally related mortgage loan requires the statutory/regulatory collateral and nexus predicates.Generally a first or subordinate lien on qualifying residential real property, including the specified one-to-four-family, condominium/cooperative, construction-placement, and manufactured-home branches. The real property must be in a “State” as defined, which includes specified U.S. territories. Personal-property-only collateral is not automatically within this definition.S001 § 2602(1); S003 § 2(b), “Federally related mortgage loan” (1), (3), “State”; T/R.
R008-P1-C008The federal nexus has alternatives; federal insurance is not the only route.Routes include federally regulated/insured lenders; federal making, insurance, guarantee, supplementation or assistance; intended sale to listed federal mortgage entities; the specified TILA creditor making/investing in residential real-estate loans aggregating more than $1 million annually, excluding State agencies/instrumentalities for that creditor route; dealer/broker and qualifying reverse-mortgage branches. Installment/land/contract-for-deed arrangements require the stated qualifying funding nexus.S003 § 2(b), definition (1)(ii)(A)–(F), (2); S001 § 2602(1)(B); T/R.
R008-P1-C009Primarily business, commercial, or agricultural credit is excluded under § 5(b)(2).Residence collateral alone does not answer purpose. The incorporated Regulation Z interpretation uses purpose factors and rental-property rules: non-owner-occupied rental credit is deemed business; expected occupancy more than 14 days prevents that particular classification. For owner-occupied rental property, acquisition of more than two units, or improvement/maintenance of more than four, has specified business treatment; smaller properties still require the applicable purpose analysis.S003 § 5(b)(2); S010 § 3(a)(1), comments 3(a)-1, -3–5, -8; R/O.
R008-P1-C010Temporary financing has a qualified exclusion, not an unconditional construction-loan exclusion.Same-lender permanent/convertible financing, financing transfer to the first user, a permanent-financing commitment, and qualifying construction terms of two years or more can remove the temporary-financing exclusion; the latter has a bona fide builder qualification. Bridge/swing loans described in § 5(b)(3) are excluded.S003 § 5(b)(3); R.
R008-P1-C011Vacant-land financing has an express construction/placement exception.The exclusion does not apply where, within two years from settlement, the proceeds will construct a structure or place a manufactured home on the real property; the secured-property qualification remains. This origination-scope rule differs from later vacancy of a principal residence.S003 § 5(b)(4); R.
R008-P1-C012Transaction exclusions must not be converted into blanket extinction of servicing duties.§ 5(b)(5): assumptions without an express lender approval right are excluded; assumptions requiring and obtaining approval are covered. § 5(b)(6): conversions consistent with the original instrument without a new note are excluded. § 5(b)(7): bona fide secondary-market transactions are excluded except for § 2605 and Subpart C. Section 5(d)’s listed partial disclosure exemptions do not list §§ 39 or 41.S003 § 5(b)(5)–(7), (d); R/I.
R008-P1-C013The specific §§ 39–41 scope is narrower than all federally related mortgage loans.Section 31 excludes open-end home-equity lines from “mortgage loan.” Section 30(b) excludes reverse mortgages and qualifying Farm Credit loans from §§ 38–41; small servicers have the separate C071 residual duties. Sections 39–41 apply only to a loan secured by the borrower’s principal residence. Vacancy does not necessarily end principal-residence status; facts and applicable State law matter.S004 §§ 30(b), (c)(2), 31; S007 comments 30(b)-1, 30(c)(2)-1; S010 § 33(a); S011; R/O/U.
R008-P1-C014“Servicer” concerns responsibility for servicing, including an owner/originator that actually services.Section 2605(i)(2) and § 2(b) contain specified agency exceptions. The regulation separately addresses FDIC assets/receivership and NCUA assets/conservatorship/liquidation, and listed FNMA, Freddie Mac, FDIC, HUD/GNMA/FHA, NCUA, Farm Service Agency and VA circumstances following specified termination-for-cause, servicer bankruptcy, or supervisory proceedings. These are not a general exemption for every government-related loan or private servicer. “Servicing” generally includes receipt and application/disbursement of scheduled payments.S001 § 2605(i)(2)–(3); S003 § 2(b), “Servicer,” “Servicing”; T/R.
R008-P1-C015Ordinary small-servicer status requires both a count and an ownership/origination connection.Under § 1026.41(e)(4)(ii)(A), the servicer and affiliates service 5,000 or fewer counted loans, and each is owned or originated by the servicer or an affiliate. Holding servicing rights alone does not satisfy ownership/origination. A subservicer gets the exemption only if both it and the master servicer qualify.S009 § 41(e)(4)(ii)(A); comments 41(e)(4)(ii)-1–3; R/O.
R008-P1-C016HFA and specified nonprofit status are alternative small-servicer routes.The HFA route incorporates the public-body/agency/instrumentality definition in 24 CFR 266.5 and does not state the ordinary 5,000-loan cap. The nonprofit route requires the specified IRS § 501(c)(3) ruling/determination, 5,000 or fewer serviced loans, including associated-nonprofit servicing, and origination by it or an associated nonprofit; association requires the specified common name/mark and charitable-purpose agreement. Mere ownership is insufficient for that nonprofit route.S009 § 41(e)(4)(ii)(B)–(C), comment -4; S012 HFA definition; R/O.
R008-P1-C017Small-servicer counting and transition rules have their own predicates.Count closed-end consumer dwelling-secured transactions, not only principal-residence loans within this component. Evaluate January 1 and the remainder of the year; loss of qualification allows six months or until next January 1, whichever is later, to comply with formerly exempt requirements. Exclusions include uncompensated voluntary nonaffiliate servicing, reverse mortgages, timeshares, and servicing for a seller financer satisfying all § 36(a)(5) criteria: natural person/estate/trust; one owned and securing property in 12 months; no ordinary-course construction; no negative amortization; fixed rate or adjustment only after at least five years with the stated reasonable limits and index conditions.S009 § 41(e)(4)(iii) and comments; S010 § 36(a)(5); R/O.
R008-P1-C018A qualifying successor is defined through five transfer categories; not every occupant or transferee is automatically a borrower.Categories: devise/descent/operation of law on death of a joint tenant or tenant by the entirety; relative’s transfer resulting from borrower death; spouse/children becoming owners; specified divorce/separation/property-settlement transfer to a spouse; qualifying inter vivos trust with borrower remaining beneficiary and no occupancy-right transfer. Confirmation requires servicer confirmation of identity and ownership. Section 31 does not supply a universal free-standing definition making every interested person a “borrower.”S004 § 31, “Successor in interest,” “Confirmed successor in interest”; R/U.
R008-P1-C019A confirmed successor is treated as a borrower without requiring assumption of the debt.Section 30(d) and its comments preserve the principal-residence and other procedural predicates. This regulatory treatment does not itself decide contractual liability, title, or State-law assumption. The servicer may not require assumption merely to recognize this borrower status.S004 § 30(d); S007 comments 30(d)-1–3; R/O.
R008-P1-C020A potential successor’s application has a distinct confirmation-date branch.The servicer may evaluate before confirmation. If it elects not to, it must preserve the application/documents and, upon confirmation, treat receipt as occurring on the confirmation date, subject to remaining scope conditions; stale documents must be identified under the applicable acknowledgment rule. A preconfirmation review counts for the repeat-review exception only with full compliance and no different result attributable to confirmation. Confirmation policies must be prompt and must not unreasonably interfere with loss mitigation.S007 comment 41(b)-1; comments 38(b)(1)(vi)-1–5; S008 § 38(b)(1)(vi); R/O.
R008-P1-C021The optional successor acknowledgment procedure can suspend specified communications, including § 39, without suspending § 41.It applies to a confirmed successor not personally liable only if the servicer supplies the compliant notice and separate acknowledgment: confirmation, nonliability/qualified lien explanation, notices, request/understanding acknowledgment, no return deadline, and specified remaining rights. Until acknowledgment or assumption, the listed communication duties are excepted. Section 41 is not listed. Duplicate § 39 contact/disclosure may also be unnecessary when provided to another borrower as specified.S004 § 32(c)(1)–(4); S007 § 32(c) comments; R/O/I.
R008-P1-C022In Subpart C, “day” means calendar day unless the particular provision expressly excludes days.Delinquency begins when a periodic amount sufficient for principal, interest and applicable escrow becomes due and unpaid, and lasts until no periodic payment is due and unpaid. A late-fee grace period does not postpone that starting predicate.S004 § 31; S007 “Delinquency”-1; R/O.
R008-P1-C023Payment application can change the delinquency starting date.Applying a later payment to the oldest unpaid periodic payment advances the relevant date. A servicer choosing a payment tolerance cannot treat the same billing-cycle shortfall as nondelinquent for one Subpart C section while treating it as delinquent for another. Contractual acceleration is not generally barred by these provisions; its validity and accounting are held.S007 “Delinquency”-2–4; O/U.
R008-P1-C024A loss-mitigation application can be oral and can arise before a formal package is complete.A request plus information required for evaluation can be an application, including qualifying prequalification requests and authorized-agent submissions. A bare request for general information, without evaluative information, is not necessarily an application. Application and complete application remain different triggers.S004 § 31; S007 “Loss mitigation application”-1, comments 41(b)(1)-2–3; R/O.
R008-P1-C025“Available” options are those available through the servicer from the relevant owner/assignee.An option may be available to apply for even if the applicant ultimately fails its criteria. Another investor’s options serviced on the same platform are not automatically available. Pilot, geography, participation and other applicable program conditions remain relevant.S004 § 31; S007 “Loss mitigation option”-1–2; comments 41(c)(1)-1–3; R/O.

Captured table 04

Claim ID · Area and precise claim · Trigger, conditions, exceptions, and limits · 13 data rows

Claim IDArea and precise claimTrigger, conditions, exceptions, and limitsSource pinpoint; status
R008-P1-C026RESPA supplies rulemaking authority; § 41 expressly references an enforcement route but guarantees no particular option.Section 2605(j)(3), (k)(1)(E) support regulatory servicing obligations. Section 41(a) references § 2605(f), but does not require a modification or other specific option and does not create an investor-contract enforcement right. Section 2605(f)’s causation, pattern/practice, court, successful-action, and correction/nonliability conditions are not automatic awards. No private cause under every adjacent section, standing, injunction, or individual remedy is determined.S001 § 2605(f), (j)(3), (k)(1)(E); S006 § 41(a); T/R/U.
R008-P1-C027Ordinary live-contact duty arises by the 36th delinquency day and repeats by reference to subsequent payment due dates.The servicer must establish, or make good-faith efforts to establish, live contact no later than day 36, and again no later than 36 days after each payment due date while delinquency continues. After actual live contact, information about available loss mitigation must be supplied promptly if appropriate.S005 § 39(a); R.
R008-P1-C028Live contact and good-faith efforts are not identical.Telephone or in-person conversation qualifies; a recorded message is not itself live contact. Borrower-initiated contact or an authorized representative can qualify. Good-faith efforts are circumstances-dependent, without a universal call-count rule. A payment curing the relevant delinquency before the 36-day period ends can remove that contact trigger.S007 comments 39(a)-1.iv, -2–5; O.
R008-P1-C029Ordinary written notice uses a 45-day trigger and a distinct 180-day repeat rule.Notice is due by day 45, and by 45 days after each due date while delinquent, but is not required more than once in 180 days. If at least 45 days delinquent at the end of that interval, another notice is due no later than 180 days after the prior notice; if less than 45 days delinquent then, use 45 days after the payment due date for which delinquency remains.S005 § 39(b)(1); S007 comments 39(b)(1)-1–4; R/O.
R008-P1-C030The ordinary written notice has specified minimum content, not a guarantee of approval or an application deadline.It encourages contact; supplies the assigned-personnel telephone number and mailing address; gives applicable examples of options and application instructions or how to obtain them; and supplies the specified CFPB/HUD counseling-list website and HUD telephone information. It must satisfy § 32’s clear, conspicuous, retainable writing requirements. Models are optional. Section 40(a) separately requires reasonably designed assignment/contact policies by the written notice and no later than delinquency day 45.S005 § 39(b)(2)–(3); S004 § 32(a); S008 § 40(a); S007 § 39(b)(2) comments; R/O.
R008-P1-C031Certain ongoing loss-mitigation circumstances satisfy or alter § 39 duties without rewriting every delinquency rule.Ongoing § 41 contact or the specified no-options determination can satisfy § 39(a); a new delinquency after cure requires resumed compliance. Performing an agreed option designed to cure prior missed payments is treated as nondelinquent for § 39. Oral loss-mitigation information does not by itself replace the written notice.S007 comments 39(a)-1.ii, -6; 39(b)(1)-4; O.
R008-P1-C032Section 39 has narrow transfer interactions independently read here.A transferee generally cannot rely on a predecessor’s preceding 180-day notice interval, subject to the notice given within 45 days of transfer qualification. Separately, during the specified 60-day transfer period, documented timely payments misdirected to the old servicer can mean no delinquency for § 39. These are not a transfer-notice audit or a universal suspension of payment/application duties.S007 comments 39(b)(1)-5; 39(a)-1.iii; O.
R008-P1-C033Bankruptcy creates partial early-intervention exemptions at the loan level.While any borrower is a debtor in bankruptcy, § 39(a) live contact is excepted. Written notice is also excepted if no option is available or the qualifying FDCPA cease-communication condition applies. “Available” does not mean already proven eligible.S005 § 39(c)(1)(i)–(ii); S007 comments 39(c)(1)-1 and (ii)-1–2; R/O.
R008-P1-C034If the bankruptcy written-notice exemption does not apply, the modified notice has a separate clock and content restriction.Already delinquent at petition: by 45 days after filing the petition. Later delinquency: by its 45th day. This applies despite a notice in the preceding 180 days. No payment request; not required more than once in the same bankruptcy case. Applicable bankruptcy law or court orders may require adaptation.S005 § 39(c)(1)(iii); S007 comments 39(c)-1–2, 39(c)(1)(iii)-1, 39(c)(2)-1; R/O.
R008-P1-C035Resumption after bankruptcy has specified events and a discharge qualification.Ordinarily resume after the next payment due date following the earliest dismissal, closure, or reaffirmation. Following the specified discharge of personal liability, live contact need not resume; written notice must resume if any partial or periodic payment was made after commencement. Reopening does not automatically require a second notice for the same case. Actual discharge, orders, and stay effects are held.S005 § 39(c)(2); S007 comment 39(c)(2)-1; R/O/U.
R008-P1-C036The FDCPA partial exemption requires applicability to the servicer with respect to the particular loan and a qualifying notification.Section 805(c) concerns written refusal-to-pay or cease-communication notification; mailed notification is complete upon receipt. Section 39(d) then exempts live contact, and exempts written notice if no option is available or any borrower is in bankruptcy. An ordinary application, payment dispute, or preference for email is not assumed to meet this trigger.S002 § 1692c(c); S005 § 39(d)(1)–(2); T/R/U.
R008-P1-C037The FDCPA modified written notice uses a prohibition on repetition and a 190-day outer branch.Where notice remains required, include the specified may/intends-to-foreclose statement and no payment request. It is prohibited more than once in 180 days. If at least 45 days delinquent at interval end, repeat by day 190 after the prior notice; otherwise by the later of 45 days after the relevant unpaid due date or that day 190. Comment 39(d)-2 permits the required modified notice and borrower-initiated loss-mitigation assistance under § 805(c), while preserving other FDCPA restrictions.S005 § 39(d)(3); S015; S007 comments 39(d)-1–2; R/O.
R008-P1-C038An early-intervention exception is not automatically a loss-mitigation or foreclosure exception.The bankruptcy, FDCPA, and successor-acknowledgment provisions identify particular communication duties. Their existence does not itself eliminate otherwise applicable § 41 protections. Independent § 30 scope exclusions, small-servicer treatment, and other laws must still be examined.S004 § 32(c); S005 § 39(c)–(d); S006; I, from the provisions’ distinct scope.

Captured table 05

Claim ID · Area and precise claim · Trigger, conditions, exceptions, and limits · 16 data rows

Claim IDArea and precise claimTrigger, conditions, exceptions, and limitsSource pinpoint; status
R008-P1-C039Completeness turns on actual receipt of all information required from the borrower, with reasonable diligence by the servicer.The servicer must promptly seek missing information and consider material already transferred. It cannot stop collecting for remaining available options solely because the borrower prefers another option; confirmed ineligibility under applicable criteria can end collection for a particular option. Missing information outside borrower control does not itself make the borrower’s application incomplete.S006 § 41(b)(1); S007 comments 41(b)(1)-1, -4–5; R/O.
R008-P1-C040Initial receipt at least 45 days before sale triggers prompt review and a five-day acknowledgment.At 45 days or more, promptly review completeness and provide written acknowledgment within five days excluding legal public holidays, Saturdays and Sundays. State complete/incomplete; if incomplete, identify missing documents/information and the reasonable date. Include the statement about considering other servicers of loans secured by the same property. No scheduled sale is treated as satisfying this 45-day gate.S006 § 41(b)(2)(i); S007 comment 41(b)(2)(i)-1; R/O.
R008-P1-C041The disclosed completion date must be reasonable, with milestone constraints and a seven-day minimum.Thirty days after providing the acknowledgment is generally reasonable, subject to the earliest relevant document-staleness date, delinquency day 120, 90 days before sale, or 38 days before sale. The reasonable date must never be less than seven days after provision of the notice. This is not an unconditional 30-day borrower entitlement or a universal foreclosure pause through the disclosed date.S006 § 41(b)(2)(ii); S007 comments 41(b)(2)(ii)-1–3; transfer qualification in 41(k)(2)(ii)-3; R/O/I.
R008-P1-C042Sale-distance protections use a receipt-date snapshot.Determine sale-distance protection as of receipt of the complete application. If no sale is then scheduled, treat it as received more than 90 days before sale. Protections that attached remain after later scheduling/rescheduling. A postponement is not assumed to retroactively cure an originally late submission; any new qualifying receipt or other rule requires separate analysis.S006 § 41(b)(3); S007 comments 41(b)(3)-1–2; last sentence I/U.
R008-P1-C043A complete application received more than 37 days before sale ordinarily triggers evaluation and determination within 30 calendar days.Evaluate all available options and provide a written determination, including applicable acceptance/rejection period and modification-appeal right, time and requirements. The external-information exception in (c)(4)(ii) and transfer provisions must be checked. Exactly 37 days does not meet this ordinary gate.S006 § 41(c)(1); R.
R008-P1-C044Incomplete-application offers cannot be used to evade complete-application evaluation.The operative exceptions are (c)(2)(ii), (iii), and (v). The interpretation separately permits offers without an application or without evaluating information supplied with an incomplete application; that is not permission to disregard duties already triggered by a qualifying application.S006 § 41(c)(2)(i); S007 comments 41(c)(2)(i)-1–2; R/O/I.
R008-P1-C045A significantly stalled incomplete application may be evaluated at the servicer’s discretion under a specific exception.The servicer must have exercised reasonable diligence; incompleteness must persist for a significant period under the circumstances without further borrower progress. The resulting evaluation/offer is not a complete-application review for the repeat-review limitation. “Significant” is contextual, not a universal fixed waiting period.S006 § 41(c)(2)(ii); S007 comment 41(c)(2)(ii)-1; R/O.
R008-P1-C046Short-term forbearance and repayment exceptions have different definitions.Forbearance covers payments due over no more than six months, regardless of the later makeup period. A short-term repayment plan addresses no more than three months of past-due payments, repaid over no more than six months. These numerical limits identify this exception, not all possible programs.S007 comments 41(c)(2)(iii)-1, -4; S006 § 41(c)(2)(iii); R/O.
R008-P1-C047A qualifying short-term offer based on an incomplete application creates notice and performance protections.Unless rejected, promptly provide written payment terms/duration, incomplete-application basis, possible other options, and ability to complete an application regardless of acceptance. “Promptly” generally means within five excluded-days after offering. While the agreed program/plan is being performed, no first notice/filing, motion for judgment/order of sale, or sale. Other applicable application duties continue; diligence can be suspended in the limited compliant/no-further-assistance circumstance, with the prescribed resumption and pre-end contact.S006 § 41(c)(2)(iii); S007 comments 41(c)(2)(iii)-2–3, -5–6; 41(b)(1)-4.iii; R/O.
R008-P1-C048Retained § 41(c)(2)(v) permits a specified COVID-related deferral option based on incomplete information only if all conditions hold.Covered amounts can be delayed until refinancing, property sale, the existing loan term’s end, or FHA insurance termination as specified; covered amounts include the stated COVID-related forborne/due-unpaid principal and interest. Deferred amounts bear no interest; no option fee; existing late charges, penalties, stop-payment and similar charges are promptly waived on acceptance; acceptance ends pre-existing delinquency. Only then does (B) relieve (b)(1)–(2) duties for applications preceding that offer. No program availability or hardship eligibility is determined.S006 § 41(c)(2)(v)(A)(1)–(3), (B); C003’s definition gap; R/U.
R008-P1-C049Facially complete applications receive specified protective treatment, not one universal completion date for every purpose.Facial completeness arises when all listed missing material is submitted, no more material is requested in the acknowledgment, or the complete-application notice becomes required. Later-discovered missing/corrected material must be requested promptly; treat the application as complete for (f)(2) and (g) during a reasonable opportunity to cure. Timely completion relates back for (d), (e), (f)(2), (g), (h), but (c) uses actual completion. Failure to complete within the reasonable opportunity leaves it incomplete.S006 § 41(c)(2)(iv); S007 comments 41(c)(2)(iv)-1–2; R/O.
R008-P1-C050The complete-application notice is a separate five-excluded-day duty, with express exceptions.It states completeness, actual receipt date, expected 30-day evaluation, applicable pre-/post-first-filing protection, potential later information requests/reasonable opportunity/consequences, and possible additional law. Exceptions: prior complete acknowledgment without later correction request; application neither complete nor facially complete more than 37 days before sale; or already-provided determination. Recompletion generally requires a new notice unless an exception applies.S006 § 41(c)(3)(i)–(ii); S007 comments 41(c)(3)(i)-1–3; R/O.
R008-P1-C051Information outside borrower control requires servicer diligence, including information within the servicer’s own control.The servicer must request it promptly and, to the extent practicable, in time for the 30-day evaluation. It must complete all possible evaluation steps within that period. Its own missing work is not automatically a third-party-delay exception.S006 § 41(c)(4)(i); S007 comments 41(c)(4)(i)-1, 41(c)(4)(ii)-1; R/O.
R008-P1-C052True third-party delay has a notice and continuing-effort branch.If information from a party other than the borrower or servicer prevents determination within 30 days, provide the specified delay notice within that period or promptly afterward: missing specific information, request made, and prompt completion when received. Heighten efforts after 30 days; do not issue the final determination before receipt except under C053. Promptly determine once received.S006 § 41(c)(4)(ii)(B)–(C); S007 comment 41(c)(4)(i)-2; R/O.
R008-P1-C053Denial solely for unavailable outside information is ordinarily prohibited; the exception is narrow.Reasonable diligence; a significant period after the 30-day period; information from neither borrower nor servicer; and applicable owner/assignee requirements making determination impossible without it are required. The servicer may then deny with the prescribed determination and copy of the delay notice. Denial is permitted, not compelled; no fixed “significant period” is invented.S006 § 41(c)(4)(ii)(A); S007 comment 41(c)(4)(ii)-2; R/O.
R008-P1-C054A modification-denial notice must give the actual specific reasons for each denied trial or permanent modification option.Identify the investor/guarantor and specific requirement when that is the basis; generic “investor restriction” is insufficient. For an NPV denial disclose calculation inputs. Waterfall treatment has its specified explanation allowance. Disclose criteria actually causing denial and, where applicable, that other criteria were not evaluated. Offering another option does not erase a modification denial.S006 § 41(d); S007 comments 41(d)-1–4; R/O.

Captured table 06

Claim ID · Area and precise claim · Trigger, conditions, exceptions, and limits · 6 data rows

Claim IDArea and precise claimTrigger, conditions, exceptions, and limitsSource pinpoint; status
R008-P1-C055The ordinary offer-response periods constrain how soon the servicer may demand a response.Complete receipt 90 days or more before sale: no earlier than 14 calendar days after providing the offer. Complete receipt less than 90 but more than 37 days before sale: no earlier than seven calendar days. These are minimum permitted periods, not proof of the actual offer’s expiry.S006 § 41(e)(1); R.
R008-P1-C056Nonacceptance may be deemed rejection, subject to specified qualifications.The actual deadline must comply with (e)(1). Timely submission of trial-plan payments requires a reasonable extra period to complete remaining acceptance requirements. A qualifying appeal has the separate extension in C060.S006 § 41(e)(2)(i)–(ii); R.
R008-P1-C057Appeal eligibility concerns trial/permanent modification denials and has two alternative timing routes.Complete application received 90 days or more before sale, or during the period set forth in (f). It is not a universal appeal for every option denial. An application received after first filing with only 38–89 days remaining does not qualify through the 90-day route merely because the >37-day evaluation gate is met.S006 § 41(h)(1); R/I.
R008-P1-C058The appeal provision supplies a 14-day making window; it does not itself universally say the appeal must be written.Section (h)(2) requires permitting an appeal within 14 days after the servicer provides the offer pursuant to (c)(1)(ii). The determination must disclose applicable appeal requirements. Do not replace “provides,” “makes,” or the disclosed requirements with an invented mailing/receipt presumption. The exact appeal method and deadline in any actual notice remain unknown.S006 §§ 41(c)(1)(ii), (h)(2); R/U.
R008-P1-C059Appeal review requires different personnel and a timely determination notice.A supervisor may review if not directly involved in the original evaluation. Within 30 calendar days of the borrower making the appeal, provide the determination and applicable response period. Acceptance cannot be required earlier than 14 days after provision of that notice. No further appeal is required under this paragraph. The notice is subject to § 32’s writing rule.S006 § 41(h)(3)–(4); S007 comment 41(h)(3)-1; S004 § 32(a); R/O.
R008-P1-C060A qualifying appeal extends the acceptance period for the offered loss-mitigation option.The acceptance deadline is extended until 14 days after the (h)(4) notice is provided. This does not itself extend an unrelated court-response, assistance-program, or other contractual deadline.S006 § 41(e)(2)(iii), (h)(4); R/I.

Captured table 07

Claim ID · Area and precise claim · Trigger, conditions, exceptions, and limits · 8 data rows

Claim IDArea and precise claimTrigger, conditions, exceptions, and limitsSource pinpoint; status
R008-P1-C061The ordinary first-notice/filing restriction uses more than 120 days delinquent.Section (f)(1) also permits the threshold exception where foreclosure is based on a due-on-sale violation, or the servicer is joining a superior/subordinate lienholder’s foreclosure. These are exceptions to (f)(1), not automatic exceptions to every other protection. No current general abandoned-property exception appears in (f)(1).S006 § 41(f)(1)(i)–(iii); S017 deletion of (f)(3); R/I.
R008-P1-C062Identifying the first notice or filing requires the applicable State foreclosure procedure.Judicial: earliest required court/judicial-body filing commencing the proceeding. Nonjudicial with recording/publication: earliest required recorded/published initiating document. Neither court filing nor recording/publication: earliest document setting/scheduling sale. A private borrower letter is not first solely because it later becomes an attachment. No actual State or document was classified.S007 comment 41(f)-1.i–iv; O/U.
R008-P1-C063A complete application before first notice/filing creates an additional restriction under (f)(2).Receipt during the preforeclosure review period or before first notice/filing prevents that initiating act until a listed release condition is met. Merely exceeding 120 days does not eliminate this additional restriction. The post-filing >37-day formulation must not be mechanically substituted for this clause.S006 § 41(f)(2); R/I.
R008-P1-C064The release conditions in (f)(2) and (g) are alternatives with distinct evidence predicates.First: a compliant no-available-option determination, plus appeal inapplicability, expired unused appeal opportunity, or denied appeal. Second: rejection of all offered options. Third: failure to perform an agreed option. One denial, one rejected offer, or a conclusory “review closed” label does not prove the applicable condition. Short-sale marketing/listing performance and approved-sale qualifications also matter.S006 §§ 41(f)(2)(i)–(iii), (g)(1)–(3); S007 comments 41(g)(3)-1–2; R/O/I.
R008-P1-C065After first notice/filing, a complete application received more than 37 days before sale restricts specified later acts.Until a C064 release condition is met, the servicer may not move for foreclosure judgment or order of sale, or conduct the sale. Receipt after first filing can therefore still matter; it does not undo the already-made first filing.S006 § 41(g); R/I.
R008-P1-C066The later-act restriction includes dispositive motions and requires action through counsel when necessary.Default, pleadings, and summary-judgment motions can qualify. For a previously pending motion, the interpretation requires reasonable steps to avoid a ruling/order during protected review; it does not promise the steps will succeed. The servicer must promptly instruct counsel and cannot avoid its duty because counsel failed to act. A sale can violate (g) even if someone else administers it.S007 comments 41(g)-1, -3, -5; S008 § 38(b)(3); O.
R008-P1-C067Section 41(g) does not stop every step in a foreclosure proceeding.Publication, arbitration, mediation and other steps may continue if they do not cause or directly result in a prohibited judgment/order/sale. The rule does not determine State answer/service deadlines, sale validity, court jurisdiction, redemption, standing, or an automatic injunction. Those are uninvestigated, independent questions.S007 comment 41(g)-2; S006 § 41(a), (g); O/I/U.
R008-P1-C068A post-filing application with 37 or fewer days remaining does not ordinarily receive the >37-day procedural protection merely because it was submitted.The specific transfer exception C076 must be checked, as must previously attached/facial protections. Section 38(b)(2)(v) separately requires policies implementing applicable owner/assignee evaluation requirements, including potentially late applications. No actual State or investor requirement is supplied here.S006 §§ 41(c)(1), (g), (k)(2)(ii)(B); S007 comment 41(g)-4 and 38(b)(2)(v)-1; R/O/U.

Captured table 08

Claim ID · Area and precise claim · Trigger, conditions, exceptions, and limits · 13 data rows

Claim IDArea and precise claimTrigger, conditions, exceptions, and limitsSource pinpoint; status
R008-P1-C069The duplicative-application exception is not a lifetime one-application rule.The same servicer must previously have fully complied for a complete application, and delinquency must have continued at all times since it was submitted. Cure followed by a new delinquency requires renewed applicable compliance. A discretionary incomplete review is not enough.S006 § 41(i), (c)(2)(ii); S007 comment 41(i)-1; R/O.
R008-P1-C070Changed facts and a different servicer require separate treatment.Changed financial circumstances alone do not expressly reset § 41(i)’s continuous-delinquency exception. Applicable investor requirements may nevertheless require reevaluation through § 38 policies. A transferee is a different servicer and cannot simply invoke the predecessor’s completed review as its own § 41(i) exception.S007 comments 38(b)(2)(v)-1, 41(i)-2; S008 § 38(b)(2)(v); O/I.
R008-P1-C071A qualifying small servicer retains important foreclosure restrictions.It remains subject to (f)(1). It also cannot make first notice/filing, move for judgment/order of sale, or sell while the borrower performs an agreed loss-mitigation option. It is otherwise exempt from the full § 41 procedures through § 30(b)(1); a complete application alone does not import all ordinary evaluation/appeal duties.S004 § 30(b)(1); S006 § 41(j); R.
R008-P1-C072Pending applications generally carry across a servicing transfer with their existing rights and clocks.Pending means subject to § 41 and not fully resolved; a fully denied application with expired appeal opportunity may not be pending. Except for (k)(2)–(4), use the predecessor’s receipt-based timeframes. Rights under (c)–(h) continue. If the predecessor was not subject to § 41 for the application, the interpretation supplies a transfer-date receipt rule for (b) and (c).S006 § 41(k)(1)(i); S007 comments 41(k)-1, 41(k)(1)(i)-1; R/O.
R008-P1-C073The application-transfer date and document receipt dates must be distinguished.For (k), transfer date is when the new servicer begins accepting payments as disclosed under § 33(b)(4)(iv); it is not necessarily the first-payment-due date or servicing-sale date. Documents received by the predecessor, including after transfer, must be transferred/obtained and can preserve their receipt date for (c)–(h). Already-provided notices need not be duplicated.S006 § 41(k)(1)(ii); S007 comments 41(k)(1)(i)-1–3, 41(k)(1)(ii)-1; S008 § 38(b)(4); R/O.
R008-P1-C074A transfer during an unexpired, unperformed acknowledgment period produces a ten-excluded-day acknowledgment clock.Both predicates matter: the original acknowledgment period has not expired at transfer, and the old servicer has not supplied the notice. The new servicer then provides it within 10 days excluding legal public holidays, Saturdays and Sundays, from transfer. This is not the clock for every transferred application.S006 § 41(k)(2)(i); R.
R008-P1-C075That particular transfer-acknowledgment branch protects the disclosed reasonable-date interval.The transferee cannot make first notice/filing until after the disclosed reasonable date, notwithstanding (f)(1). Completion on or before that date is treated as completion during the preforeclosure period for (f)(2). Existing protections, including a later applicable 120-day threshold, are not removed.S006 § 41(k)(2)(ii)(A); S007 comments 41(k)(2)(ii)-1–3; R/O.
R008-P1-C076The same transfer branch can override the ordinary >37-day gate for specified provisions.If completion reaches either servicer 37 or fewer days before sale but on or before the disclosed reasonable date, the transferee must comply with (c), (d), and (g). This provision does not itself give every such application a new appeal right or erase an already-existing right.S006 § 41(k)(2)(ii)(B); S007 comment 41(k)(2)(ii)-2; R/O.
R008-P1-C077A complete application pending at transfer has a specified new evaluation deadline.The transferee must comply with applicable (c)(1) and (c)(4) within 30 calendar days of transfer. That clock does not reset the application’s protective receipt date or authorize prohibited foreclosure acts.S006 § 41(k)(3), (k)(1); R/I.
R008-P1-C078Changes in completion criteria on transfer do not simply erase the old completion status.Complete under the old criteria but incomplete under the new criteria: preserve facial completeness from the original complete/facial date, request needed material, and apply the facial-completeness rules. Incomplete under old criteria but complete under new: treat as pending complete at transfer for the 30-day transfer clock; (c)–(h) use the predecessor’s receipt of the completing material, and the notice identifies that date.S007 comments 41(k)(1)(i)-2, 41(k)(3)-1–2; S006 § 41(c)(2)(iv); O/R.
R008-P1-C079A transferee able to decide a pending or timely post-transfer appeal has a later-of deadline.Determine the appeal and provide the (h)(4) notice within 30 days after transfer or 30 days after the borrower made the appeal, whichever is later. An appeal sent to the predecessor after transfer must be transferred/obtained under the applicable policies.S006 § 41(k)(4), (i); S007 comment 41(k)(4)-1; R/O.
R008-P1-C080A transferee unable to decide the appeal must treat it as a pending complete application.Evaluate all options available through the transferee. For (c) or (k)(3), completion is the first receipt of the appeal by either servicer. For (e)–(h), preserve the original facial/complete date with the predecessor. The interpretation identifies missing records or an unavailable predecessor program as possible reasons for inability, not automatic dismissal of the appeal.S006 § 41(k)(4)(ii); S007 comment 41(k)(4)-2; R/O.
R008-P1-C081Transfer preserves an unexpired offer-response period rather than creating an automatic new full period.The transferee must permit acceptance/rejection during the unexpired balance under (e) or (h). The appeal-transfer interpretation also preserves the ability to accept an outstanding predecessor option even where the transferee does not ordinarily offer it.S006 § 41(k)(5); S007 comment 41(k)(4)-2; R/O.

Captured table 09

Event required · Actor obligated · Scope predicate · 21 data rows

Event requiredActor obligatedScope predicateClock startsCounted-day standardActual rule windowAction legally constrainedWhat does not pause by this rule aloneEvidence unknownOther competing deadline held
Continuing early delinquencyServicer§ 39 scope; no applicable communication exemptionRelevant unpaid periodic-payment due dateCalendarLive contact/good-faith effort by day 36; repeat by 36 after each due dateFailure to undertake required contact effortCourt response, contractual cure, separate application windowsDue date, payments, attempts, actual contactCourt/service, contract, assistance
Written early interventionServicer§ 39 scope; ordinary branchDelinquency and relevant due date; prior notice for repeat branchCalendarDay 45; ordinary 180-day frequency formulaRequired notice timing/contentNo automatic extension to submit an application or answer a complaintNotice provision, content, continued delinquencyCourt/service, offer and assistance expiry
Proposed first foreclosure notice/filingServicerApplicable § 41(f)(1), including small servicer; check exceptionsDelinquency date under § 31CalendarOrdinarily only once more than 120 days delinquentFirst legally qualifying notice/filingContract acceleration or separate obligations are not generally decidedPayment application; legal first-act identity; due-on-sale/joining basisState initiation/cure, contract
Initial application receivedServicerFull scope; receipt 45 days or more before sale, or no scheduled saleActual application receiptFive excluded-days; prompt initial reviewWritten acknowledgment within five excluded-daysCompleteness review and acknowledgmentNo blanket foreclosure freeze from an incomplete submissionReceipt, contents, then-scheduled sale, missing-item listFirst-filing, sale, assistance
Missing-information date disclosedServicer sets reasonable date; applicant may completeApplicable acknowledgment branchNotice provisionCalendarGenerally 30; milestone limits; never less than sevenUnreasonable disclosure dateOrdinary disclosure alone does not create a universal pause through that dateStaleness, delinquency day 120, sale milestonesOther completion, court and sale deadlines
Complete application well before saleServicerFull scope; complete receipt more than 37 days before saleActual complete receipt, subject to facial/transfer rulesCalendarEvaluation/determination within 30, subject to external-information exceptionRequired review and notice; applicable (f)(2)/(g) actsOther court steps and borrower response deadlinesAll required borrower material; available optionsCourt response, offer, other assistance
Application becomes completeServicer§ 41(c)(3) and its exceptionsComplete receipt/recompletionFive excluded-daysComplete-application notice within five excluded-daysNotice content/timingNo independent new universal application or court-response periodPrior notices, corrected material, facial dateExisting sale/court and offer dates
Facially complete; correction requestedServicerFacial conditions met; (f)(2)/(g) otherwise applicableFacial completion; later prompt requestFact-dependent reasonable opportunityProtect during reasonable opportunity; relation-back if timely completedSpecified foreclosure acts during protected intervalDoes not automatically start every clock at the facial dateMissing/corrected item, reasonable time, actual completionCourt response, correction opportunity
True third-party information missingServicerComplete application; outside party is neither borrower nor servicerComplete receipt and requestsCalendar; “promptly”/“significant period” are contextualAll possible steps within 30; delay notice within 30 or promptly after; heightened effortsPremature denial/final determination; applicable foreclosure restrictionsNo unlimited extension of every borrower deadlineSource/control of information, diligence, investor requirementCourt, offer, assistance
Complete application before first filingServicerFull scope; (f)(2) timingComplete receipt before initiating actEvent-basedUntil a specified release conditionFirst notice/filingNo general adjudication of State limitations, cure, or accelerationCompletion, first-act status, appeal/offer/performanceState initiation and contract clocks
Complete application after first filingServicer, including through counselFull scope; complete more than 37 days before saleComplete receiptEvent-based; related review/appeal periods separately countedUntil a specified release conditionJudgment/order-of-sale motion and salePermitted intermediate foreclosure steps; court answer deadlineFiling identity/date, scheduled sale, pending motionsCourt/service, State sale procedure
Post-filing completion at 37 days or fewerServicer only to extent another applicable branch requiresOrdinary >37 gate absent; check facial, prior rights, transfer exceptionActual completion and then-scheduled saleCalendar comparisonNo ordinary (c)(1)/(g) entitlement solely from that late receiptAny independently applicable restriction onlySale is not presumed pausedOriginal receipt, earlier facial status, transfer, investor rulesSale, court, other program deadlines
Offer after protected evaluationServicer permits response; borrower may electComplete ≥90, or <90 and >37Offer provisionCalendarAt least 14, or at least seven, respectivelyPremature response cutoff/deemed rejectionUnrelated assistance or court deadlinesActual offer terms/provision and applicable gateOffer expiry, trial payments, court
Qualifying modification appealServicer permits/reviews; borrower may elect appealComplete ≥90 or during (f); eligible denialProvision of (c)(1)(ii) offer; then borrower making appealCalendar14 to make appeal; 30 to determine; at least 14 after determination to respondPremature closure; applicable foreclosure releaseCourt appeal/answer, unrelated offersMethod requirements, making date, eligible denialCourt/service; acceptance terms
Repeat applicationServicerSame-servicer prior full compliance plus continuous delinquency must be established for exceptionPrior complete receipt and subsequent payment historyNo universal new fixed clock from repetition aloneApplicable duties resume if exception failsImproper use of one-review exceptionChanged facts alone do not establish a general pausePrior compliance, cure, new delinquency, owner requirementsCourt, sale, other review windows
Small-servicer agreed option being performedSmall servicerValid small-servicer status; performance under agreementAgreement/performanceEvent-based; separate >120 ruleWhile performing; (f)(1) also remainsFirst notice/filing, judgment/order motion, saleFull ordinary evaluation/appeal machinery is not automatically importedClassification, agreement, performanceContract performance; State procedure
Bankruptcy early-intervention branchServicerAny borrower a debtor; check options and FDCPA interactionPetition if already delinquent; otherwise later delinquencyCalendarModified notice by 45 when required; once per case limitationRequired communication duties, subject to bankruptcy law/orderNo conclusion about the separate bankruptcy stay or its terminationPetition/status, discharge, payments, ordersBankruptcy, court, contract
Qualifying FDCPA cease notificationServicerFDCPA applies to this loan; qualifying noticeNotification/receipt; delinquency; prior noticeCalendarLive exemption; modified 45/180/190 formula when applicableImpermissible repeated notice; required modified noticeLoss-mitigation and foreclosure rules are not universally extinguishedFDCPA status, written notice/receipt, options, bankruptcyFDCPA disputes; court; sale
Successor confirmation/acknowledgmentServicerQualifying transfer, confirmation, principal residence; optional notice conditionsConfirmation; acknowledgment/assumption if relevantPrompt, not invented fixed confirmation period§ 41 deemed receipt at confirmation when review deferred; § 39 exception as specifiedUnreasonable confirmation interference; improper denial of borrower treatmentTitle/contract liability and other deadlinesTransfer category, confirmation, acknowledgment complianceProbate/title, court, sale
Transfer with acknowledgment still pendingTransfereeOriginal period unexpired and notice not suppliedDefined transfer dateTen excluded-days; reasonable-date calendar standardTen excluded-days; no first filing until after reasonable date; completion-by-date protectionsFirst filing and specified late-completion foreclosure actsNo general reset of other periodsOld receipt, notice status, transfer date, reasonable dateCourt, sale, completion
Complete application/appeal/offer pending at transferTransfereeApplicable separate (k)(3), (4), or (5) branchTransfer; appeal made/received; original protective receiptCalendar, except acknowledgment branch30 from transfer for pending complete; appeal later-of 30/30 if decidable; offer unexpired balanceRequired review, appeal disposition, preservation of rightsNo automatic fresh offer period or general court pausePending status, criteria, appeal ability, remaining offer timeOffer expiry, court and sale

Captured table 10

Example · Stipulated qualitative facts · Federal rule result versus unknown · 25 data rows

ExampleStipulated qualitative factsFederal rule result versus unknownEvidence needed in a separately authorized applicationAdverse misclassification to avoid
R008-P1-E01A transaction satisfies § 39 scope; a periodic payment remains unpaid through the live-contact threshold. In a contrasting branch it is cured before that period ends.Continuing branch: C027–C028 contact duty. Cured branch: the particular live-contact trigger can disappear. Neither branch determines a court deadline.Due/payment application facts; contact attempts; communication exemptions.Treating day 36 as a borrower’s mandatory application deadline or automatic stay.
R008-P1-E02A covered servicer proposes the first legally qualifying foreclosure act while delinquency has not exceeded 120 days; neither enumerated exception is stipulated.C061 prohibits that act. Actual State first-act identity and any remedy remain unknown.Contractual periodic due dates, applied payments, State procedural definition.Using four approximate months or a late-fee date instead of the rule’s predicate.
R008-P1-E03The proposed first act is stipulated to rest on a due-on-sale violation, or to join another lienholder’s foreclosure. A complete application is also pending before that act.The stipulated basis can satisfy an (f)(1) exception; it does not by itself resolve the additional (f)(2) restriction. Contractual validity and other transfer protections remain held.Separate exception basis, completeness, review/appeal/offer status.Treating an (f)(1) exception as immunity from all loss-mitigation rules.
R008-P1-E04Full scope; a complete application is received 90 days or more before sale after first filing.Thirty-day evaluation, ordinary 14-day minimum offer response, modification-denial appeal, and (g) restrictions can apply. No modification is guaranteed.Complete receipt, then-scheduled sale, options, denial and offer notices.Equating review entitlement with approval or cancellation of foreclosure.
R008-P1-E05An application arrives 45 days or more before sale but required borrower information remains missing; no facial-completeness predicate is met.Acknowledgment/diligence duties apply; complete-application protections do not attach merely because a package was sent.Actual receipt, missing-item notice, requested information, any existing option agreement.Calling every submission “complete” or “protected.”
R008-P1-E06All missing items listed in the acknowledgment are supplied; a later correction is requested. In one branch correction is supplied within a reasonable opportunity; in the other it is not.C049’s temporary (f)(2)/(g) treatment applies where otherwise available. Timely completion preserves specified earlier dates; failure leaves the application incomplete. The evaluation date and protective date are not merged.Original list, facial date, prompt correction request, reasonable opportunity, completion receipt.Restarting all protections at the later correction date, or treating facial status as permanent.
R008-P1-E07A first application becomes complete more than 37 but fewer than 45 days before sale; first filing already occurred.The ordinary five-day initial acknowledgment gate is absent, but the >37-day evaluation and later-foreclosure rules can apply, and the separate complete-application notice must be checked.Receipt and completeness dates; sale; prior complete notice/determination.Treating absence of the 45-day acknowledgment duty as absence of all protection.
R008-P1-E08First filing occurred; the first qualifying completion is exactly 37 days before sale; no transfer or earlier facial/protective branch is stipulated.The ordinary more-than-37 gate is not met. State, investor and other legal restrictions remain unknown.Receipt, earlier submissions, sale setting, transfer circumstances.Rounding “more than 37” into “37 or more,” or declaring sale universally lawful.
R008-P1-E09Complete receipt is more than 37 days before sale after first filing, and a dispositive motion was already pending.C065–C066 require the specified protective steps; permitted intermediate procedure may continue. Court action and response duties are not automatically suspended.Motion’s procedural nature, application receipt, counsel instructions and protective steps.Ignoring court papers because the application is under review.
R008-P1-E10Compare complete receipt at exactly 90 days, versus fewer than 90 but more than 37 after first filing, versus receipt before first filing within the (f) period.Exactly 90 meets the appeal route. The middle branch does not meet it solely through sale distance. The pre-filing branch can qualify through (f). Actual appeal requirements remain notice-specific.Complete receipt, first-act date, sale date, actual denial/appeal instructions.Using one “90-day” label without checking inclusivity and the independent (f) route.
R008-P1-E11Same servicer fully complied for an earlier complete application; delinquency never ended; financial circumstances later changed.Section 41(i) may excuse another full review; changed facts alone do not expressly reset it. Applicable investor reevaluation requirements under § 38 remain a separate question.Prior full compliance, continuous delinquency, applicable published investor requirements if separately authorized.Assuming every changed fact mandates a new § 41 review, or that no other review duty can exist.
R008-P1-E12Prior complete review occurred, then delinquency ended, then a new delinquency arose.C069 requires renewed applicable compliance; this is not a lifetime one-review bar. Actual new timing gates still matter.Cure and new delinquency, new receipt/completeness, sale status.Treating any previous modification application as permanent exhaustion.
R008-P1-E13Small-servicer qualification is stipulated. A complete application alone is pending; separately, an agreed loss-mitigation option is being performed.Full ordinary review/appeal duties do not automatically follow from the application. But (f)(1) remains, and performance independently bars the listed foreclosure acts under (j).Qualification basis, agreement and performance, delinquency.“Small” means no federal foreclosure restrictions, or “complete” imports every ordinary duty.
R008-P1-E14Any borrower is in bankruptcy. Compare available options/no qualifying cease notice, against no available options or the qualifying combined FDCPA condition.First branch can require the modified 45-day written notice; second can exempt it. Live contact is excepted. Section 41 and any separate bankruptcy stay require their own predicates.Bankruptcy event/status, options, notification, order/discharge/payment facts.Importing a communication exemption into every foreclosure restriction.
R008-P1-E15FDCPA applicability and a qualifying written cease notification are stipulated; options remain available; no borrower is in bankruptcy.Modified notice remains required, with the prohibited-more-than-once-in-180 and 190-day formula.Receipt, previous notice provision, delinquency at interval end, content.Applying the ordinary “not required more than once” wording to this prohibited-repeat branch.
R008-P1-E16A qualifying successor is confirmed, has not assumed personal liability, and has not returned a compliant optional acknowledgment.The listed § 39 communications can be excepted; otherwise applicable § 41 treatment does not depend on assumption or acknowledgment.Confirmation, principal residence, compliant optional notice/form, other scope facts.“No assumption” or “no acknowledgment” means no loss-mitigation rights.
R008-P1-E17A potential successor submits material before confirmation; the servicer elects to defer evaluation.Preserve the material; receipt for § 41 is treated as confirmation-date receipt, subject to the prompt-confirmation policies. Actual sale-distance protection cannot be inferred from the earlier submission alone.Confirmation process, reasonable documentation, dates, principal residence, staleness.Automatically using the earliest submission date, or assuming confirmation may be delayed without constraint.
R008-P1-E18A complete application had already qualified, then sale is moved earlier. Contrast an originally late application followed only by postponement.Previously attached protections persist. The latter branch is not automatically upgraded by postponement under this report; new receipt or other applicable requirements must be identified.Original receipt and sale schedule; later changes; any new complete submission.Recalculating away attached rights, or assuming every postponement creates them retroactively.
R008-P1-E19Transfer occurs while the initial acknowledgment period is unexpired and no acknowledgment was given. Completion reaches either servicer 37 or fewer days before sale but by the disclosed reasonable date.Ten-excluded-day acknowledgment branch applies; (c), (d), and (g) must be honored under the specific exception. Appeal is not automatically added solely by this clause.Old receipt, transfer date, acknowledgment status, reasonable date, completing receipt.Applying a blanket “too late at 37 days” rule.
R008-P1-E20A complete application is pending at transfer; new criteria require additional material.Thirty-day transfer evaluation framework and preserved facial status must be analyzed together. New requirements do not erase the original protective date.Old/new criteria, original complete/facial date, requested correction and receipt.Treating servicing transfer as a fresh unprotected application.
R008-P1-E21An appeal remains unresolved at transfer. Contrast a transferee able to decide it with one unable to do so.Able: later-of 30-day deadlines. Unable: pending-complete-application treatment, with separate appeal-receipt and original protective dates.Appeal made/received, transfer, records, program availability, original completion.Automatically dismissing the appeal or using one date for every purpose.
R008-P1-E22An offer’s compliant acceptance period has not expired when servicing transfers.The unexpired balance survives; no automatic entirely new period is created.Offer provision, terms, deadline, transfer, any qualifying appeal extension.Assuming transfer cancels the offer or restarts its full acceptance period.
R008-P1-E23All borrower-required material is supplied, but an outside approval is missing. Contrast a true outside-party delay with unfinished internal servicing work.Completeness is not defeated merely by either missing item. The special delay/denial exception requires its outside-party and diligence predicates; internal delay does not automatically qualify.Who controls the information, requests, elapsed period, possible completed steps, investor necessity.Relabeling internal backlog as missing borrower information or automatic third-party extension.
R008-P1-E24A qualifying short-term plan is offered on an incomplete application and is being performed. Separately, a COVID-related deferral is proposed.Short-term performance has its express foreclosure protections. COVID deferral requires every retained (c)(2)(v) condition; deleted (vi) is not available as the operative exception.Plan terms, duration, performance; deferral charges/interest/cure conditions and applicable hardship meaning.Assuming all incomplete-application offers are unprotected, or all former COVID exceptions remain operative.
R008-P1-E25The property is vacant, but principal-residence status is unstipulated. Alternatively, the product is an open-end home-equity line or qualifying reverse mortgage.Vacancy alone does not resolve § 30(c)(2). The specified product exclusions are different, express paths. No actual product or residence determination is made.Generic legal classification and residence facts only if separately authorized.Treating vacancy as automatic abandonment or applying these procedures to every mortgage-like product.

Captured table 11

Generic audit item · Predicate to test · Audit result / supporting location · 32 data rows

Generic audit itemPredicate to testAudit result / supporting location
Applicable primary publication and versionOperative text, effective date, corrections, access date—
Federal mortgage nexus§ 2602 / § 1024.2 collateral and nexus route—
Product and purposeHELOC, reverse, temporary, business/agricultural, vacant-land and other exclusions—
Principal-residence basis§ 30(c)(2), including vacancy qualification—
Servicing rolePerson responsible; master/subservicer; specific agency exclusion—
Small-servicer basisCorrect route, count universe, affiliates/associated entities, exclusions and transition—
Borrower/successor statusQualifying transfer, confirmation, assumption distinction—
Optional successor noticeRequired explanations, separate acknowledgment, return/assumption/revocation status—
Periodic-payment termsDue date and principal/interest/escrow components—
Payment applicationOldest unpaid payment, tolerance, cure and new delinquency—
Early live-contact evidenceActual contact versus good-faith effort; timing; representative—
Early written-notice evidenceProvision, contents, ordinary or modified frequency branch—
Bankruptcy communication predicatePetition/status, options, orders, discharge, postcommencement payments—
FDCPA communication predicateApplicability to loan, qualifying writing, receipt, other borrower interaction—
Initial applicationRequest plus evaluative information; actual receipt—
AcknowledgmentTimeliness, complete/incomplete status, missing list, reasonable date—
Completion and facial completionRequired borrower material; listed items; corrections; reasonable opportunity—
Outside informationBorrower control, servicer control, or true third party; diligence—
First foreclosure actApplicable published State procedure and legal character of the act—
Sale schedulingSchedule existing at relevant receipt; later scheduling/rescheduling—
Determination noticeAvailable options; each modification denial; actual reasons; NPV/investor particulars—
Offer responseProvision event, lawful minimum, actual expiry, trial payments—
AppealEligibility, disclosed method, made/received events, separate reviewer, determination—
Foreclosure release conditionNo-options/appeal closure, rejection of all options, or nonperformance—
Prior applicationsSame-servicer full compliance, continuous delinquency or cure—
Short-term optionDefinition, written terms, performance and diligence resumption—
Retained COVID deferralAll (c)(2)(v) conditions; definition/version issue preserved—
Application transferPending status, defined transfer date, old/new receipt and criteria—
Transfer acknowledgmentUnexpired original period, no prior notice, reasonable-date protections—
Transfer appeal or offerDecidable/undecidable branch; separate dates; unexpired offer balance—
Competing obligationsCourt/service, State sale/redemption, contract, offer, assistance and other held clocks—
Calendar construction, if ever separately authorizedTrigger wording, units, holidays/weekends, receipt/provision distinction, applicable counting authority—

Captured table 12

Assigned subquestion / major branch · Coverage status · Claim / source / example links · 48 data rows

Assigned subquestion / major branchCoverage statusClaim / source / example linksExact missing authority or factsNext bounded permissible investigation
Q1: federally related mortgage loan and federal nexusAnswered genericallyC007–C008; S001/S003; E25Actual collateral, funding and nexus facts excludedNo factual application in this component
Q1: business, agricultural, rental-purpose exclusionAnswered genericallyC009; S003/S010Actual primary purpose and classification excludedIf separately scoped, published classification authority only
Q1: temporary construction and permanent-financing exceptionsAnswered genericallyC010; S003Actual term, commitment, conversion and builder factsNo loan determination
Q1: vacant-land exceptionAnswered genericallyC011; S003Actual proceeds/use/timing excludedNo property investigation
Q1: assumptions, conversions, secondary-market and partial exemptionsAnswered genericallyC012; S003Actual transaction terms excludedDo not infer servicing exemption from a transfer label
Q1: principal residence and vacancyAnswered rule; application unresolvedC013; S004/S007; E25State law and residence facts absentPublic State-law work only with separate authorization
Q1: reverse mortgages, HELOCs, qualified Farm Credit lenderAnswered genericallyC013; S004/S010/S011; E25Product and loan-specific qualification absentNo provider or loan status query
Q1: servicer, master/subservicer, special agency exclusionsAnswered genericallyC014–C015; S001/S003/S009Actual servicing role and exception nexus absentNo entity/roster lookup
Q1/Q5: small-servicer alternatives, count and transitionAnswered genericallyC015–C017/C071; S009–S012; E13Count, affiliation, origination, HFA/nonprofit and transition facts absentNo actual qualification decision
Q1/Q5: successor categories and confirmationAnswered genericallyC018–C020; S004/S007/S008; E16–E17State title/transfer and confirmation facts absentPublic generic successor authority only if needed
Q1/Q2: successor acknowledgment and communicationsAnswered genericallyC021/C038; S004/S007; E16Compliant optional notice and acknowledgment facts absentNo form supplied or inspected
Q1: delinquency and day definitionsAnswered genericallyC022–C023; S004/S007; E01–E02Payment terms/application and actual calendar absentNo individual calculation
Q1: relevant § 2605 authority and remedies boundaryAnswered narrowlyC026; S001/S006Standing, causation, remedy and jurisdiction questions excludedSeparate authorized remedies investigation only
Q2: live-contact trigger, meaning, repeat dutyAnsweredC027–C028/C031; S005/S007; E01Actual contact/payment facts absentNone needed for generic branch
Q2: written notice timing/content/frequencyAnsweredC029–C030; S005/S007/S008Actual notice/provision facts absentNone needed for generic branch
Q2: continuing delinquency, ongoing mitigation and narrow transfer effectsAnsweredC031–C032; S007Actual agreement and transferred-payment facts absentNo R006 notice rerun
Q2: bankruptcy exemption, modified notice, resumptionAnswered generic branchC033–C035; S005/S007; E14Bankruptcy status/orders/discharge/payments excludedNo bankruptcy case inquiry
Q2: FDCPA notification and modified dutiesAnswered narrowlyC036–C038; S002/S005/S007/S015; E15FDCPA coverage and notification facts absent; broader disputes heldNo debt-collector or borrower query
Q2: official model clausesExcluded as unnecessaryC030; § 39(b)(3), (d)(3)(i)No model form needed to state dutiesIf needed later, retrieve exact official version and inspect relevant pixels
Q3: oral application versus inquiry; actual receiptAnsweredC024/C039; S004/S006/S007; E05Actual communication and receipt absentNo form or identifier entry
Q3: 45-day inclusive acknowledgment gate and five-day unitsAnsweredC040; S006/S007; E05/E07Actual sale/receipt/calendar absentNo individual deadline
Q3: reasonable date and milestonesAnsweredC041; S007; E05/E19Staleness/milestone chronology absentNo invented 30-day entitlement
Q3/Q5: receipt-date snapshot, no scheduled sale, reschedulingAnswered rule; retrospective late-application conclusion heldC042; S006/S007; E18New receipt, original/later schedule, other law absentRead a strictly necessary additional published interpretation if a generic ambiguity is separately posed
Q3: complete application, >37 gate, 30-day determinationAnsweredC039/C043; S006/S007; E04/E07/E08Completeness/options/receipt absentNo eligibility analysis
Q3: incomplete anti-evasion and stalled applicationAnsweredC044–C045; S006/S007; E05Diligence/progress/context absentNo fixed “significant period” invented
Q3: short-term incomplete-application exceptionAnsweredC046–C047; S006/S007; E24Terms, performance and requests for further help absentNo program application
Q3/currentness: retained COVID deferralText answered; interpretive definition gap preservedC003/C048; S006/S016/S017; E24Post-deletion definition issue; no hardship/program factsBounded primary-authority clarification of retained terminology if needed
Q3: facial completeness, correction and relation-backAnsweredC049; S006/S007; E06Listed missing items, timing and reasonable opportunity absentKeep evaluation and protection dates separate
Q3: complete-application notice and exceptionsAnsweredC050; S006/S007; E06/E07Prior notice and actual completion history absentNo actual notice audit
Q3: borrower-control versus internal versus third-party informationAnsweredC051–C053; S006/S007; E23Control, diligence, necessity and elapsed period absentNo records request
Q4: >120 threshold and due-on-sale/joining exceptionsAnsweredC061; S006; E02–E03Delinquency and exception facts; other law absentNo actual first-filing permission
Q4: judicial/nonjudicial first actAnswered federal definition; State identification unresolvedC062; S007 comment 41(f)-1.i–iv; E02/E09State procedure and actual act/date absentSeparate authorized public State-procedure research
Q4: complete application before first filingAnsweredC063–C064; S006; E03Completion, first act, release conditions absentNo operational authorization
Q4: application after first filingAnsweredC065–C068; S006/S007; E07–E09Receipt, schedule, motion and counsel facts absentNo docket or court-status query
Q4: appeal closure/rejection/nonperformance releaseAnsweredC064; S006/S007; E04/E10/E24Notices, appeal, all offers, performance absentNo actual release determination
Q4: State court response, sale validity, injunction, remedyExcluded/heldC026/C067; S001/S006/S007Jurisdiction, procedure, facts, remedy authority not investigatedRequires separate authorized component
Q5: denial reasonsAnsweredC054; S006/S007Actual notice, investor rules and calculation inputs absentNo individualized merits decision
Q5: offer minimums, trial-plan acceptance and appeal extensionAnsweredC055–C056/C060; S006; E04/E10/E22Actual provision/offer terms/payments absentPreserve actual offer expiry as unknown
Q5: appeal eligibility, method, 14/30/14 periodsAnsweredC057–C059; S004/S006/S007; E10/E21Notice-specific method and making/receipt facts absentNo universal written-appeal requirement invented
Q5: repeat applications, cure and changed factsAnsweredC069–C070; S006/S007/S008; E11–E12Prior compliance/continuity/investor requirements absentNo lifetime one-review assumption
Q5: transfer general pending status and datesAnswered independentlyC072–C073; S006–S008; E20–E22Pending status and actual dates absentNo R006 foundation or broad notice rerun
Q5: transfer acknowledgment and reasonable-date extensionAnsweredC074–C076; S006/S007; E19Unexpired period, notice status and dates absentNo blanket >37 cutoff
Q5: transfer evaluation and changed completion criteriaAnsweredC077–C078; S006/S007; E20Criteria and receipt history absentNo loss of facial status assumed
Q5: transfer appeal able/unable branches and pending offerAnsweredC079–C081; S006/S007; E21–E22Ability to decide, appeal dates, remaining offer period absentNo automatic offer-period restart
Q6: urgency matrix and hypothetical failure pathsAnswered qualitativelyMatrix; E01–E25; cited claimsActual dates/identifiers deliberately absentNo worked calendar needed
Currentness: operative versus proposed/deleted materialAnswered within stated read boundsC001–C006; S013–S020Full post-currency and historical reconciliation remains unclosedPublic primary Federal Register/US Code update audit only
Court decisions and later historyNot necessary; not usedC026/C067 and currentness limitsNo majority opinion, posture or later-history proposition relied uponRead actual published majority only if a later bounded legal question makes it necessary
Parent/component/operational/publication acceptanceExpressly not grantedSection 8 belowEntire remaining parent scope and permissions heldNo implied next action

Captured table 13

Log item · What was actually done · Result and bounded limitation · 14 data rows

Log itemWhat was actually doneResult and bounded limitation
L01 — Fresh statutory readingRead current available House RESPA and the necessary FDCPA provision.Core bodies obtained; House compilation lag remains explicit.
L02 — Fresh operative Regulation X readingRead §§ 30–32, complete §§ 39 and 41, necessary §§ 2, 5, 38 and 40, and official interpretations.Body reading supported the claim register; no search snippet substituted for the operative clauses.
L03 — Adjacent qualification readingRead small-servicer definition/comments, reverse/product-purpose definitions, seller-financer counting exclusion, Farm Credit and HFA definitions.Generic predicates obtained; no actual entity or product qualification attempted.
L04 — Publication conflictCompared CFPB “current” pages with eCFR, annual CFR §§ 39/.41, and the 2025 amendatory rule.Stale displayed COVID passages identified; current and historical text kept separate.
L05 — Published CFR comparisonRead the 2026 annual § 39 text and compared § 41(a)–(k) across its eight-page excerpt.January 1, 2026 edition confirmed for these excerpts; this was not a full-volume audit.
L06 — Final/interim-final historyRead selected operative/date portions of 2013, 2016, 2017, 2020 and 2025 publications.Effective dates recorded; entire long preambles and every intervening correction were not claimed as read.
L07 — Proposed replacement checkRead the 2024 proposal’s action/date material and the agency’s under-development entry; performed targeted official-source discovery for later final rules.No operative final replacement established. Search nonappearance is not a complete negative legal-history proof.
L08 — Guidance statusRead the official withdrawn-guidance register at its recovered correct path.No freestanding guidance was used as operative authority. No general claim that every historical advisory’s publisher status was independently audited.
L09 — House retrieval failureThe preliminary § 2605 endpoint returned 404; changed to a version-specific House endpoint.Recovered body. S021 documents the failed path; S001 supplies the foundation.
L10 — Guidance-path failureThe rules-policy/withdrawn-guidance path failed; changed to compliance/guidance/withdrawn-guidance.Recovered register. S022 records the failed path.
L11 — PDF limitsParsed text used for CFR and Federal Register PDFs; visually inspected only the 2025 rule’s printed p. 20792 / index 1.No unseen page, image, full model form, or full visual layout is claimed to have been inspected.
L12 — Excluded search hitsSearches incidentally returned secondary commentary, examination material and enforcement-record links.Those materials were not opened or used as a substantive foundation; no case-record or docket-status research followed them.
L13 — Foundation independenceBuilt this pass from the publications listed above.No earlier SettleADebt output, other chat, Library research, or delegated research used.
L14 — No actual calculation or actionUsed qualitative timing branches and an unfilled worksheet.No borrower deadline, liability, eligibility, award, remedy, filing, contact or operational action determined.

Captured table 14

Check · Result · 9 data rows

CheckResult
Inclusive/strict thresholdsKept 45 or more, more than 37, 90 or more, and more than 120 distinct.
Units and trigger eventsKept calendar days separate from expressly excluded days; distinguished receipt, provision of a notice/offer, making an appeal, transfer, and the then-scheduled sale.
Complete versus incompletePreserved ordinary incomplete, stalled incomplete, short-term, retained COVID deferral, facially complete, actually complete, and outside-information branches.
First filing versus later foreclosureKept (f)(1), (f)(2), and (g) separate; identified the official State-procedure-dependent first-act interpretation.
ExceptionsDid not extend bankruptcy, FDCPA, successor acknowledgment, small-servicer, product, or due-on-sale/joining exceptions beyond their stated scope.
Appeals/offers/transfersPreserved alternative appeal eligibility, notice-specific method requirements, 14/30/14 periods, unexpired offer balance, and different transfer receipt/evaluation/protection dates.
CurrentnessIdentified stale agency text, operative rescission, retained provision, proposed replacement, publication dates, access date, and unclosed audits.
Evidence boundaryNo actual records, identifiers, individual conclusions, court-status inquiries, unseen-form claims, or invented calendars/awards.
Review statusThis is the same researcher’s consistency check, not independent legal or source review.

Find the assertion and its boundaries

Read the evidence with its boundaries. These are saved research components, including revisions. A scoped coordinator review checks selected evidence; it does not certify every claim, a complete jurisdiction, current law or individual applicability. Dates and access limits remain attached to the records.

How to read the research →

R008-P1-C001 Saved research record

October 27 access does not convert the eCFR’s October 23 currency label, the January 1 annual edition, or the House’s October 9 compilation label into a completed through-access-date legal audit.

Recorded check status: scoped record reconciliation selected federal text versions comments all currentness application parent holds

Area and precise claim
The sources have different currency predicates.
Source pinpoint; status
S001, S004–S006; V/U.

Recorded coordinator check boundaries

coordinator review note
{"claim_id": "R008-P1-C001", "original_visible_claim_id": "R008-P1-C001", "all_original_cells_read": true, "researcher_record_unchanged": true, "area_numbers_preserved": [8], "explicit_source_numbers": [1, 4, 5, 6], "source_ranges_expanded": [[4, 6]], "selected_source_presence_not_entire_claim_primary_validation": true, "all_primary_claim_accepted": false, "original_status_codes_conditions_exceptions_inference_and_gaps_preserved": true}
R008-P1-C002 Saved research record

The old special foreclosure safeguards and special COVID contact provisions are historical/deleted, even where an agency mirror still displays them. The old § 39(e) and § 41(f)(3) also contained their own earlier temporal limits.

Recorded check status: scoped record reconciliation selected federal text versions comments all currentness application parent holds

Area and precise claim
The July 15, 2025 rescission removes the § 31 COVID-hardship definition, § 39(e), § 41(c)(2)(vi), § 41(f)(3), and associated 2021 commentary.
Source pinpoint; status
S017, amendatory instructions 2–5; S005–S007; R/V.

Recorded coordinator check boundaries

coordinator review note
{"claim_id": "R008-P1-C002", "original_visible_claim_id": "R008-P1-C002", "all_original_cells_read": true, "researcher_record_unchanged": true, "area_numbers_preserved": [8], "explicit_source_numbers": [5, 6, 7, 17], "source_ranges_expanded": [[5, 7]], "selected_source_presence_not_entire_claim_primary_validation": true, "all_primary_claim_accepted": false, "original_status_codes_conditions_exceptions_inference_and_gaps_preserved": true}
R008-P1-C003 Saved research record

This is the narrow deferral-option exception detailed in C048, not the deleted (c)(2)(vi) modification exception. The remaining phrase “COVID-19-related hardship” is not newly defined here by importing the deleted § 31 definition.

Recorded check status: scoped record reconciliation selected federal text versions comments all currentness application parent holds

Area and precise claim
Section 41(c)(2)(v) remains in the operative text.
Source pinpoint; status
S006 § 41(c)(2)(v); S017 instruction 4; R/U.

Recorded coordinator check boundaries

coordinator review note
{"claim_id": "R008-P1-C003", "original_visible_claim_id": "R008-P1-C003", "all_original_cells_read": true, "researcher_record_unchanged": true, "area_numbers_preserved": [8], "explicit_source_numbers": [6, 17], "source_ranges_expanded": [], "selected_source_presence_not_entire_claim_primary_validation": true, "all_primary_claim_accepted": false, "original_status_codes_conditions_exceptions_inference_and_gaps_preserved": true}
R008-P1-C004 Saved research record

No final effective replacement was established in this pass. A regulatory-agenda target or agency page update would not itself amend the rule.

Recorded check status: scoped record reconciliation selected federal text versions comments all currentness application parent holds

Area and precise claim
The retrieved 2024 streamlining document is proposed, not an operative replacement.
Source pinpoint; status
S018 action/DATES and status entry; V/U.

Recorded coordinator check boundaries

coordinator review note
{"claim_id": "R008-P1-C004", "original_visible_claim_id": "R008-P1-C004", "all_original_cells_read": true, "researcher_record_unchanged": true, "area_numbers_preserved": [8], "explicit_source_numbers": [18], "source_ranges_expanded": [], "selected_source_presence_not_entire_claim_primary_validation": true, "all_primary_claim_accepted": false, "original_status_codes_conditions_exceptions_inference_and_gaps_preserved": true}
R008-P1-C005 Saved research record

Codified official interpretations are identified separately. The withdrawn-guidance register was checked; no assumption is made that withdrawal of guidance repeals RESPA or deletes CFR text.

Recorded check status: scoped record reconciliation selected federal text versions comments all currentness application parent holds

Area and precise claim
No withdrawn freestanding guidance supplies an operative premise.
Source pinpoint; status
S007, S020; V/I.

Recorded coordinator check boundaries

coordinator review note
{"claim_id": "R008-P1-C005", "original_visible_claim_id": "R008-P1-C005", "all_original_cells_read": true, "researcher_record_unchanged": true, "area_numbers_preserved": [8], "explicit_source_numbers": [7, 20], "source_ranges_expanded": [], "selected_source_presence_not_entire_claim_primary_validation": true, "all_primary_claim_accepted": false, "original_status_codes_conditions_exceptions_inference_and_gaps_preserved": true}
R008-P1-C006 Saved research record

Original 2013 rule: January 10, 2014. Most relevant 2016 amendments: October 19, 2017. Identified successor provisions: April 19, 2018. Modified FDCPA notice amendment: October 19, 2017. Original retained COVID-deferral exception: July 1, 2020, later revised in 2025. Historical application requires its own version analysis.

Recorded check status: scoped record reconciliation selected federal text versions comments all currentness application parent holds

Area and precise claim
Relevant implementation dates differ.
Source pinpoint; status
S013–S017, DATES; S014 Part VI; R/V.

Recorded coordinator check boundaries

coordinator review note
{"claim_id": "R008-P1-C006", "original_visible_claim_id": "R008-P1-C006", "all_original_cells_read": true, "researcher_record_unchanged": true, "area_numbers_preserved": [8], "explicit_source_numbers": [13, 14, 15, 16, 17], "source_ranges_expanded": [[13, 17]], "selected_source_presence_not_entire_claim_primary_validation": true, "all_primary_claim_accepted": false, "original_status_codes_conditions_exceptions_inference_and_gaps_preserved": true}
R008-P1-C007 Saved research record

Generally a first or subordinate lien on qualifying residential real property, including the specified one-to-four-family, condominium/cooperative, construction-placement, and manufactured-home branches. The real property must be in a “State” as defined, which includes specified U.S. territories. Personal-property-only collateral is not automatically within this definition.

Recorded check status: scoped record reconciliation selected federal text versions comments all currentness application parent holds

Area and precise claim
A federally related mortgage loan requires the statutory/regulatory collateral and nexus predicates.
Source pinpoint; status
S001 § 2602(1); S003 § 2(b), “Federally related mortgage loan” (1), (3), “State”; T/R.

Recorded coordinator check boundaries

coordinator review note
{"claim_id": "R008-P1-C007", "original_visible_claim_id": "R008-P1-C007", "all_original_cells_read": true, "researcher_record_unchanged": true, "area_numbers_preserved": [8], "explicit_source_numbers": [1, 3], "source_ranges_expanded": [], "selected_source_presence_not_entire_claim_primary_validation": true, "all_primary_claim_accepted": false, "original_status_codes_conditions_exceptions_inference_and_gaps_preserved": true}
R008-P1-C008 Saved research record

Routes include federally regulated/insured lenders; federal making, insurance, guarantee, supplementation or assistance; intended sale to listed federal mortgage entities; the specified TILA creditor making/investing in residential real-estate loans aggregating more than $1 million annually, excluding State agencies/instrumentalities for that creditor route; dealer/broker and qualifying reverse-mortgage branches. Installment/land/contract-for-deed arrangements require the stated qualifying funding nexus.

Recorded check status: scoped record reconciliation selected federal text versions comments all currentness application parent holds

Area and precise claim
The federal nexus has alternatives; federal insurance is not the only route.
Source pinpoint; status
S003 § 2(b), definition (1)(ii)(A)–(F), (2); S001 § 2602(1)(B); T/R.

Recorded coordinator check boundaries

coordinator review note
{"claim_id": "R008-P1-C008", "original_visible_claim_id": "R008-P1-C008", "all_original_cells_read": true, "researcher_record_unchanged": true, "area_numbers_preserved": [8], "explicit_source_numbers": [1, 3], "source_ranges_expanded": [], "selected_source_presence_not_entire_claim_primary_validation": true, "all_primary_claim_accepted": false, "original_status_codes_conditions_exceptions_inference_and_gaps_preserved": true}
R008-P1-C009 Saved research record

Residence collateral alone does not answer purpose. The incorporated Regulation Z interpretation uses purpose factors and rental-property rules: non-owner-occupied rental credit is deemed business; expected occupancy more than 14 days prevents that particular classification. For owner-occupied rental property, acquisition of more than two units, or improvement/maintenance of more than four, has specified business treatment; smaller properties still require the applicable purpose analysis.

Recorded check status: scoped record reconciliation selected federal text versions comments all currentness application parent holds

Area and precise claim
Primarily business, commercial, or agricultural credit is excluded under § 5(b)(2).
Source pinpoint; status
S003 § 5(b)(2); S010 § 3(a)(1), comments 3(a)-1, -3–5, -8; R/O.

Recorded coordinator check boundaries

coordinator review note
{"claim_id": "R008-P1-C009", "original_visible_claim_id": "R008-P1-C009", "all_original_cells_read": true, "researcher_record_unchanged": true, "area_numbers_preserved": [8], "explicit_source_numbers": [3, 10], "source_ranges_expanded": [], "selected_source_presence_not_entire_claim_primary_validation": true, "all_primary_claim_accepted": false, "original_status_codes_conditions_exceptions_inference_and_gaps_preserved": true}
R008-P1-C010 Saved research record

Same-lender permanent/convertible financing, financing transfer to the first user, a permanent-financing commitment, and qualifying construction terms of two years or more can remove the temporary-financing exclusion; the latter has a bona fide builder qualification. Bridge/swing loans described in § 5(b)(3) are excluded.

Recorded check status: scoped record reconciliation selected federal text versions comments all currentness application parent holds

Area and precise claim
Temporary financing has a qualified exclusion, not an unconditional construction-loan exclusion.
Source pinpoint; status
S003 § 5(b)(3); R.

Recorded coordinator check boundaries

coordinator review note
{"claim_id": "R008-P1-C010", "original_visible_claim_id": "R008-P1-C010", "all_original_cells_read": true, "researcher_record_unchanged": true, "area_numbers_preserved": [8], "explicit_source_numbers": [3], "source_ranges_expanded": [], "selected_source_presence_not_entire_claim_primary_validation": true, "all_primary_claim_accepted": false, "original_status_codes_conditions_exceptions_inference_and_gaps_preserved": true}
R008-P1-C011 Saved research record

The exclusion does not apply where, within two years from settlement, the proceeds will construct a structure or place a manufactured home on the real property; the secured-property qualification remains. This origination-scope rule differs from later vacancy of a principal residence.

Recorded check status: scoped record reconciliation selected federal text versions comments all currentness application parent holds

Area and precise claim
Vacant-land financing has an express construction/placement exception.
Source pinpoint; status
S003 § 5(b)(4); R.

Recorded coordinator check boundaries

coordinator review note
{"claim_id": "R008-P1-C011", "original_visible_claim_id": "R008-P1-C011", "all_original_cells_read": true, "researcher_record_unchanged": true, "area_numbers_preserved": [8], "explicit_source_numbers": [3], "source_ranges_expanded": [], "selected_source_presence_not_entire_claim_primary_validation": true, "all_primary_claim_accepted": false, "original_status_codes_conditions_exceptions_inference_and_gaps_preserved": true}
R008-P1-C012 Saved research record

§ 5(b)(5): assumptions without an express lender approval right are excluded; assumptions requiring and obtaining approval are covered. § 5(b)(6): conversions consistent with the original instrument without a new note are excluded. § 5(b)(7): bona fide secondary-market transactions are excluded except for § 2605 and Subpart C. Section 5(d)’s listed partial disclosure exemptions do not list §§ 39 or 41.

Recorded check status: scoped record reconciliation selected federal text versions comments all currentness application parent holds

Area and precise claim
Transaction exclusions must not be converted into blanket extinction of servicing duties.
Source pinpoint; status
S003 § 5(b)(5)–(7), (d); R/I.

Recorded coordinator check boundaries

coordinator review note
{"claim_id": "R008-P1-C012", "original_visible_claim_id": "R008-P1-C012", "all_original_cells_read": true, "researcher_record_unchanged": true, "area_numbers_preserved": [8], "explicit_source_numbers": [3], "source_ranges_expanded": [], "selected_source_presence_not_entire_claim_primary_validation": true, "all_primary_claim_accepted": false, "original_status_codes_conditions_exceptions_inference_and_gaps_preserved": true}
R008-P1-C013 Saved research record

Section 31 excludes open-end home-equity lines from “mortgage loan.” Section 30(b) excludes reverse mortgages and qualifying Farm Credit loans from §§ 38–41; small servicers have the separate C071 residual duties. Sections 39–41 apply only to a loan secured by the borrower’s principal residence. Vacancy does not necessarily end principal-residence status; facts and applicable State law matter.

Recorded check status: scoped record reconciliation selected federal text versions comments all currentness application parent holds

Area and precise claim
The specific §§ 39–41 scope is narrower than all federally related mortgage loans.
Source pinpoint; status
S004 §§ 30(b), (c)(2), 31; S007 comments 30(b)-1, 30(c)(2)-1; S010 § 33(a); S011; R/O/U.

Recorded coordinator check boundaries

coordinator review note
{"claim_id": "R008-P1-C013", "original_visible_claim_id": "R008-P1-C013", "all_original_cells_read": true, "researcher_record_unchanged": true, "area_numbers_preserved": [8], "explicit_source_numbers": [4, 7, 10, 11], "source_ranges_expanded": [], "selected_source_presence_not_entire_claim_primary_validation": true, "all_primary_claim_accepted": false, "original_status_codes_conditions_exceptions_inference_and_gaps_preserved": true}
R008-P1-C014 Saved research record

Section 2605(i)(2) and § 2(b) contain specified agency exceptions. The regulation separately addresses FDIC assets/receivership and NCUA assets/conservatorship/liquidation, and listed FNMA, Freddie Mac, FDIC, HUD/GNMA/FHA, NCUA, Farm Service Agency and VA circumstances following specified termination-for-cause, servicer bankruptcy, or supervisory proceedings. These are not a general exemption for every government-related loan or private servicer. “Servicing” generally includes receipt and application/disbursement of scheduled payments.

Recorded check status: scoped record reconciliation selected federal text versions comments all currentness application parent holds

Area and precise claim
“Servicer” concerns responsibility for servicing, including an owner/originator that actually services.
Source pinpoint; status
S001 § 2605(i)(2)–(3); S003 § 2(b), “Servicer,” “Servicing”; T/R.

Recorded coordinator check boundaries

coordinator review note
{"claim_id": "R008-P1-C014", "original_visible_claim_id": "R008-P1-C014", "all_original_cells_read": true, "researcher_record_unchanged": true, "area_numbers_preserved": [8], "explicit_source_numbers": [1, 3], "source_ranges_expanded": [], "selected_source_presence_not_entire_claim_primary_validation": true, "all_primary_claim_accepted": false, "original_status_codes_conditions_exceptions_inference_and_gaps_preserved": true}
R008-P1-C015 Saved research record

Under § 1026.41(e)(4)(ii)(A), the servicer and affiliates service 5,000 or fewer counted loans, and each is owned or originated by the servicer or an affiliate. Holding servicing rights alone does not satisfy ownership/origination. A subservicer gets the exemption only if both it and the master servicer qualify.

Recorded check status: scoped record reconciliation selected federal text versions comments all currentness application parent holds

Area and precise claim
Ordinary small-servicer status requires both a count and an ownership/origination connection.
Source pinpoint; status
S009 § 41(e)(4)(ii)(A); comments 41(e)(4)(ii)-1–3; R/O.

Recorded coordinator check boundaries

coordinator review note
{"claim_id": "R008-P1-C015", "original_visible_claim_id": "R008-P1-C015", "all_original_cells_read": true, "researcher_record_unchanged": true, "area_numbers_preserved": [8], "explicit_source_numbers": [9], "source_ranges_expanded": [], "selected_source_presence_not_entire_claim_primary_validation": true, "all_primary_claim_accepted": false, "original_status_codes_conditions_exceptions_inference_and_gaps_preserved": true}
R008-P1-C016 Saved research record

The HFA route incorporates the public-body/agency/instrumentality definition in 24 CFR 266.5 and does not state the ordinary 5,000-loan cap. The nonprofit route requires the specified IRS § 501(c)(3) ruling/determination, 5,000 or fewer serviced loans, including associated-nonprofit servicing, and origination by it or an associated nonprofit; association requires the specified common name/mark and charitable-purpose agreement. Mere ownership is insufficient for that nonprofit route.

Recorded check status: scoped record reconciliation selected federal text versions comments all currentness application parent holds

Area and precise claim
HFA and specified nonprofit status are alternative small-servicer routes.
Source pinpoint; status
S009 § 41(e)(4)(ii)(B)–(C), comment -4; S012 HFA definition; R/O.

Recorded coordinator check boundaries

coordinator review note
{"claim_id": "R008-P1-C016", "original_visible_claim_id": "R008-P1-C016", "all_original_cells_read": true, "researcher_record_unchanged": true, "area_numbers_preserved": [8], "explicit_source_numbers": [9, 12], "source_ranges_expanded": [], "selected_source_presence_not_entire_claim_primary_validation": true, "all_primary_claim_accepted": false, "original_status_codes_conditions_exceptions_inference_and_gaps_preserved": true}
R008-P1-C017 Saved research record

Count closed-end consumer dwelling-secured transactions, not only principal-residence loans within this component. Evaluate January 1 and the remainder of the year; loss of qualification allows six months or until next January 1, whichever is later, to comply with formerly exempt requirements. Exclusions include uncompensated voluntary nonaffiliate servicing, reverse mortgages, timeshares, and servicing for a seller financer satisfying all § 36(a)(5) criteria: natural person/estate/trust; one owned and securing property in 12 months; no ordinary-course construction; no negative amortization; fixed rate or adjustment only after at least five years with the stated reasonable limits and index conditions.

Recorded check status: scoped record reconciliation selected federal text versions comments all currentness application parent holds

Area and precise claim
Small-servicer counting and transition rules have their own predicates.
Source pinpoint; status
S009 § 41(e)(4)(iii) and comments; S010 § 36(a)(5); R/O.

Recorded coordinator check boundaries

coordinator review note
{"claim_id": "R008-P1-C017", "original_visible_claim_id": "R008-P1-C017", "all_original_cells_read": true, "researcher_record_unchanged": true, "area_numbers_preserved": [8], "explicit_source_numbers": [9, 10], "source_ranges_expanded": [], "selected_source_presence_not_entire_claim_primary_validation": true, "all_primary_claim_accepted": false, "original_status_codes_conditions_exceptions_inference_and_gaps_preserved": true}
R008-P1-C018 Saved research record

Categories: devise/descent/operation of law on death of a joint tenant or tenant by the entirety; relative’s transfer resulting from borrower death; spouse/children becoming owners; specified divorce/separation/property-settlement transfer to a spouse; qualifying inter vivos trust with borrower remaining beneficiary and no occupancy-right transfer. Confirmation requires servicer confirmation of identity and ownership. Section 31 does not supply a universal free-standing definition making every interested person a “borrower.”

Recorded check status: scoped record reconciliation selected federal text versions comments all currentness application parent holds

Area and precise claim
A qualifying successor is defined through five transfer categories; not every occupant or transferee is automatically a borrower.
Source pinpoint; status
S004 § 31, “Successor in interest,” “Confirmed successor in interest”; R/U.

Recorded coordinator check boundaries

coordinator review note
{"claim_id": "R008-P1-C018", "original_visible_claim_id": "R008-P1-C018", "all_original_cells_read": true, "researcher_record_unchanged": true, "area_numbers_preserved": [8], "explicit_source_numbers": [4], "source_ranges_expanded": [], "selected_source_presence_not_entire_claim_primary_validation": true, "all_primary_claim_accepted": false, "original_status_codes_conditions_exceptions_inference_and_gaps_preserved": true}
R008-P1-C019 Saved research record

Section 30(d) and its comments preserve the principal-residence and other procedural predicates. This regulatory treatment does not itself decide contractual liability, title, or State-law assumption. The servicer may not require assumption merely to recognize this borrower status.

Recorded check status: scoped record reconciliation selected federal text versions comments all currentness application parent holds

Area and precise claim
A confirmed successor is treated as a borrower without requiring assumption of the debt.
Source pinpoint; status
S004 § 30(d); S007 comments 30(d)-1–3; R/O.

Recorded coordinator check boundaries

coordinator review note
{"claim_id": "R008-P1-C019", "original_visible_claim_id": "R008-P1-C019", "all_original_cells_read": true, "researcher_record_unchanged": true, "area_numbers_preserved": [8], "explicit_source_numbers": [4, 7], "source_ranges_expanded": [], "selected_source_presence_not_entire_claim_primary_validation": true, "all_primary_claim_accepted": false, "original_status_codes_conditions_exceptions_inference_and_gaps_preserved": true}
R008-P1-C020 Saved research record

The servicer may evaluate before confirmation. If it elects not to, it must preserve the application/documents and, upon confirmation, treat receipt as occurring on the confirmation date, subject to remaining scope conditions; stale documents must be identified under the applicable acknowledgment rule. A preconfirmation review counts for the repeat-review exception only with full compliance and no different result attributable to confirmation. Confirmation policies must be prompt and must not unreasonably interfere with loss mitigation.

Recorded check status: scoped record reconciliation selected federal text versions comments all currentness application parent holds

Area and precise claim
A potential successor’s application has a distinct confirmation-date branch.
Source pinpoint; status
S007 comment 41(b)-1; comments 38(b)(1)(vi)-1–5; S008 § 38(b)(1)(vi); R/O.

Recorded coordinator check boundaries

coordinator review note
{"claim_id": "R008-P1-C020", "original_visible_claim_id": "R008-P1-C020", "all_original_cells_read": true, "researcher_record_unchanged": true, "area_numbers_preserved": [8], "explicit_source_numbers": [7, 8], "source_ranges_expanded": [], "selected_source_presence_not_entire_claim_primary_validation": true, "all_primary_claim_accepted": false, "original_status_codes_conditions_exceptions_inference_and_gaps_preserved": true}
R008-P1-C021 Saved research record

It applies to a confirmed successor not personally liable only if the servicer supplies the compliant notice and separate acknowledgment: confirmation, nonliability/qualified lien explanation, notices, request/understanding acknowledgment, no return deadline, and specified remaining rights. Until acknowledgment or assumption, the listed communication duties are excepted. Section 41 is not listed. Duplicate § 39 contact/disclosure may also be unnecessary when provided to another borrower as specified.

Recorded check status: scoped record reconciliation selected federal text versions comments all currentness application parent holds

Area and precise claim
The optional successor acknowledgment procedure can suspend specified communications, including § 39, without suspending § 41.
Source pinpoint; status
S004 § 32(c)(1)–(4); S007 § 32(c) comments; R/O/I.

Recorded coordinator check boundaries

coordinator review note
{"claim_id": "R008-P1-C021", "original_visible_claim_id": "R008-P1-C021", "all_original_cells_read": true, "researcher_record_unchanged": true, "area_numbers_preserved": [8], "explicit_source_numbers": [4, 7], "source_ranges_expanded": [], "selected_source_presence_not_entire_claim_primary_validation": true, "all_primary_claim_accepted": false, "original_status_codes_conditions_exceptions_inference_and_gaps_preserved": true}
R008-P1-C022 Saved research record

Delinquency begins when a periodic amount sufficient for principal, interest and applicable escrow becomes due and unpaid, and lasts until no periodic payment is due and unpaid. A late-fee grace period does not postpone that starting predicate.

Recorded check status: scoped record reconciliation selected federal text versions comments all currentness application parent holds

Area and precise claim
In Subpart C, “day” means calendar day unless the particular provision expressly excludes days.
Source pinpoint; status
S004 § 31; S007 “Delinquency”-1; R/O.

Recorded coordinator check boundaries

coordinator review note
{"claim_id": "R008-P1-C022", "original_visible_claim_id": "R008-P1-C022", "all_original_cells_read": true, "researcher_record_unchanged": true, "area_numbers_preserved": [8], "explicit_source_numbers": [4, 7], "source_ranges_expanded": [], "selected_source_presence_not_entire_claim_primary_validation": true, "all_primary_claim_accepted": false, "original_status_codes_conditions_exceptions_inference_and_gaps_preserved": true}
R008-P1-C023 Saved research record

Applying a later payment to the oldest unpaid periodic payment advances the relevant date. A servicer choosing a payment tolerance cannot treat the same billing-cycle shortfall as nondelinquent for one Subpart C section while treating it as delinquent for another. Contractual acceleration is not generally barred by these provisions; its validity and accounting are held.

Recorded check status: scoped record reconciliation selected federal text versions comments all currentness application parent holds

Area and precise claim
Payment application can change the delinquency starting date.
Source pinpoint; status
S007 “Delinquency”-2–4; O/U.

Recorded coordinator check boundaries

coordinator review note
{"claim_id": "R008-P1-C023", "original_visible_claim_id": "R008-P1-C023", "all_original_cells_read": true, "researcher_record_unchanged": true, "area_numbers_preserved": [8], "explicit_source_numbers": [7], "source_ranges_expanded": [], "selected_source_presence_not_entire_claim_primary_validation": true, "all_primary_claim_accepted": false, "original_status_codes_conditions_exceptions_inference_and_gaps_preserved": true}
R008-P1-C024 Saved research record

A request plus information required for evaluation can be an application, including qualifying prequalification requests and authorized-agent submissions. A bare request for general information, without evaluative information, is not necessarily an application. Application and complete application remain different triggers.

Recorded check status: scoped record reconciliation selected federal text versions comments all currentness application parent holds

Area and precise claim
A loss-mitigation application can be oral and can arise before a formal package is complete.
Source pinpoint; status
S004 § 31; S007 “Loss mitigation application”-1, comments 41(b)(1)-2–3; R/O.

Recorded coordinator check boundaries

coordinator review note
{"claim_id": "R008-P1-C024", "original_visible_claim_id": "R008-P1-C024", "all_original_cells_read": true, "researcher_record_unchanged": true, "area_numbers_preserved": [8], "explicit_source_numbers": [4, 7], "source_ranges_expanded": [], "selected_source_presence_not_entire_claim_primary_validation": true, "all_primary_claim_accepted": false, "original_status_codes_conditions_exceptions_inference_and_gaps_preserved": true}
R008-P1-C025 Saved research record

An option may be available to apply for even if the applicant ultimately fails its criteria. Another investor’s options serviced on the same platform are not automatically available. Pilot, geography, participation and other applicable program conditions remain relevant.

Recorded check status: scoped record reconciliation selected federal text versions comments all currentness application parent holds

Area and precise claim
“Available” options are those available through the servicer from the relevant owner/assignee.
Source pinpoint; status
S004 § 31; S007 “Loss mitigation option”-1–2; comments 41(c)(1)-1–3; R/O.

Recorded coordinator check boundaries

coordinator review note
{"claim_id": "R008-P1-C025", "original_visible_claim_id": "R008-P1-C025", "all_original_cells_read": true, "researcher_record_unchanged": true, "area_numbers_preserved": [8], "explicit_source_numbers": [4, 7], "source_ranges_expanded": [], "selected_source_presence_not_entire_claim_primary_validation": true, "all_primary_claim_accepted": false, "original_status_codes_conditions_exceptions_inference_and_gaps_preserved": true}
R008-P1-C026 Saved research record

Section 2605(j)(3), (k)(1)(E) support regulatory servicing obligations. Section 41(a) references § 2605(f), but does not require a modification or other specific option and does not create an investor-contract enforcement right. Section 2605(f)’s causation, pattern/practice, court, successful-action, and correction/nonliability conditions are not automatic awards. No private cause under every adjacent section, standing, injunction, or individual remedy is determined.

Recorded check status: scoped record reconciliation selected federal text versions comments all currentness application parent holds

Area and precise claim
RESPA supplies rulemaking authority; § 41 expressly references an enforcement route but guarantees no particular option.
Source pinpoint; status
S001 § 2605(f), (j)(3), (k)(1)(E); S006 § 41(a); T/R/U.

Recorded coordinator check boundaries

coordinator review note
{"claim_id": "R008-P1-C026", "original_visible_claim_id": "R008-P1-C026", "all_original_cells_read": true, "researcher_record_unchanged": true, "area_numbers_preserved": [8], "explicit_source_numbers": [1, 6], "source_ranges_expanded": [], "selected_source_presence_not_entire_claim_primary_validation": true, "all_primary_claim_accepted": false, "original_status_codes_conditions_exceptions_inference_and_gaps_preserved": true}
R008-P1-C027 Saved research record

The servicer must establish, or make good-faith efforts to establish, live contact no later than day 36, and again no later than 36 days after each payment due date while delinquency continues. After actual live contact, information about available loss mitigation must be supplied promptly if appropriate.

Recorded check status: scoped record reconciliation selected federal text versions comments all currentness application parent holds

Area and precise claim
Ordinary live-contact duty arises by the 36th delinquency day and repeats by reference to subsequent payment due dates.
Source pinpoint; status
S005 § 39(a); R.

Recorded coordinator check boundaries

coordinator review note
{"claim_id": "R008-P1-C027", "original_visible_claim_id": "R008-P1-C027", "all_original_cells_read": true, "researcher_record_unchanged": true, "area_numbers_preserved": [8], "explicit_source_numbers": [5], "source_ranges_expanded": [], "selected_source_presence_not_entire_claim_primary_validation": true, "all_primary_claim_accepted": false, "original_status_codes_conditions_exceptions_inference_and_gaps_preserved": true}
R008-P1-C028 Saved research record

Telephone or in-person conversation qualifies; a recorded message is not itself live contact. Borrower-initiated contact or an authorized representative can qualify. Good-faith efforts are circumstances-dependent, without a universal call-count rule. A payment curing the relevant delinquency before the 36-day period ends can remove that contact trigger.

Recorded check status: scoped record reconciliation selected federal text versions comments all currentness application parent holds

Area and precise claim
Live contact and good-faith efforts are not identical.
Source pinpoint; status
S007 comments 39(a)-1.iv, -2–5; O.

Recorded coordinator check boundaries

coordinator review note
{"claim_id": "R008-P1-C028", "original_visible_claim_id": "R008-P1-C028", "all_original_cells_read": true, "researcher_record_unchanged": true, "area_numbers_preserved": [8], "explicit_source_numbers": [7], "source_ranges_expanded": [], "selected_source_presence_not_entire_claim_primary_validation": true, "all_primary_claim_accepted": false, "original_status_codes_conditions_exceptions_inference_and_gaps_preserved": true}
R008-P1-C029 Saved research record

Notice is due by day 45, and by 45 days after each due date while delinquent, but is not required more than once in 180 days. If at least 45 days delinquent at the end of that interval, another notice is due no later than 180 days after the prior notice; if less than 45 days delinquent then, use 45 days after the payment due date for which delinquency remains.

Recorded check status: scoped record reconciliation selected federal text versions comments all currentness application parent holds

Area and precise claim
Ordinary written notice uses a 45-day trigger and a distinct 180-day repeat rule.
Source pinpoint; status
S005 § 39(b)(1); S007 comments 39(b)(1)-1–4; R/O.

Recorded coordinator check boundaries

coordinator review note
{"claim_id": "R008-P1-C029", "original_visible_claim_id": "R008-P1-C029", "all_original_cells_read": true, "researcher_record_unchanged": true, "area_numbers_preserved": [8], "explicit_source_numbers": [5, 7], "source_ranges_expanded": [], "selected_source_presence_not_entire_claim_primary_validation": true, "all_primary_claim_accepted": false, "original_status_codes_conditions_exceptions_inference_and_gaps_preserved": true}
R008-P1-C030 Saved research record

It encourages contact; supplies the assigned-personnel telephone number and mailing address; gives applicable examples of options and application instructions or how to obtain them; and supplies the specified CFPB/HUD counseling-list website and HUD telephone information. It must satisfy § 32’s clear, conspicuous, retainable writing requirements. Models are optional. Section 40(a) separately requires reasonably designed assignment/contact policies by the written notice and no later than delinquency day 45.

Recorded check status: scoped record reconciliation selected federal text versions comments all currentness application parent holds

Area and precise claim
The ordinary written notice has specified minimum content, not a guarantee of approval or an application deadline.
Source pinpoint; status
S005 § 39(b)(2)–(3); S004 § 32(a); S008 § 40(a); S007 § 39(b)(2) comments; R/O.

Recorded coordinator check boundaries

coordinator review note
{"claim_id": "R008-P1-C030", "original_visible_claim_id": "R008-P1-C030", "all_original_cells_read": true, "researcher_record_unchanged": true, "area_numbers_preserved": [8], "explicit_source_numbers": [4, 5, 7, 8], "source_ranges_expanded": [], "selected_source_presence_not_entire_claim_primary_validation": true, "all_primary_claim_accepted": false, "original_status_codes_conditions_exceptions_inference_and_gaps_preserved": true}
R008-P1-C031 Saved research record

Ongoing § 41 contact or the specified no-options determination can satisfy § 39(a); a new delinquency after cure requires resumed compliance. Performing an agreed option designed to cure prior missed payments is treated as nondelinquent for § 39. Oral loss-mitigation information does not by itself replace the written notice.

Recorded check status: scoped record reconciliation selected federal text versions comments all currentness application parent holds

Area and precise claim
Certain ongoing loss-mitigation circumstances satisfy or alter § 39 duties without rewriting every delinquency rule.
Source pinpoint; status
S007 comments 39(a)-1.ii, -6; 39(b)(1)-4; O.

Recorded coordinator check boundaries

coordinator review note
{"claim_id": "R008-P1-C031", "original_visible_claim_id": "R008-P1-C031", "all_original_cells_read": true, "researcher_record_unchanged": true, "area_numbers_preserved": [8], "explicit_source_numbers": [7], "source_ranges_expanded": [], "selected_source_presence_not_entire_claim_primary_validation": true, "all_primary_claim_accepted": false, "original_status_codes_conditions_exceptions_inference_and_gaps_preserved": true}
R008-P1-C032 Saved research record

A transferee generally cannot rely on a predecessor’s preceding 180-day notice interval, subject to the notice given within 45 days of transfer qualification. Separately, during the specified 60-day transfer period, documented timely payments misdirected to the old servicer can mean no delinquency for § 39. These are not a transfer-notice audit or a universal suspension of payment/application duties.

Recorded check status: scoped record reconciliation selected federal text versions comments all currentness application parent holds

Area and precise claim
Section 39 has narrow transfer interactions independently read here.
Source pinpoint; status
S007 comments 39(b)(1)-5; 39(a)-1.iii; O.

Recorded coordinator check boundaries

coordinator review note
{"claim_id": "R008-P1-C032", "original_visible_claim_id": "R008-P1-C032", "all_original_cells_read": true, "researcher_record_unchanged": true, "area_numbers_preserved": [8], "explicit_source_numbers": [7], "source_ranges_expanded": [], "selected_source_presence_not_entire_claim_primary_validation": true, "all_primary_claim_accepted": false, "original_status_codes_conditions_exceptions_inference_and_gaps_preserved": true}
R008-P1-C033 Saved research record

While any borrower is a debtor in bankruptcy, § 39(a) live contact is excepted. Written notice is also excepted if no option is available or the qualifying FDCPA cease-communication condition applies. “Available” does not mean already proven eligible.

Recorded check status: scoped record reconciliation selected federal text versions comments all currentness application parent holds

Area and precise claim
Bankruptcy creates partial early-intervention exemptions at the loan level.
Source pinpoint; status
S005 § 39(c)(1)(i)–(ii); S007 comments 39(c)(1)-1 and (ii)-1–2; R/O.

Recorded coordinator check boundaries

coordinator review note
{"claim_id": "R008-P1-C033", "original_visible_claim_id": "R008-P1-C033", "all_original_cells_read": true, "researcher_record_unchanged": true, "area_numbers_preserved": [8], "explicit_source_numbers": [5, 7], "source_ranges_expanded": [], "selected_source_presence_not_entire_claim_primary_validation": true, "all_primary_claim_accepted": false, "original_status_codes_conditions_exceptions_inference_and_gaps_preserved": true}
R008-P1-C034 Saved research record

Already delinquent at petition: by 45 days after filing the petition. Later delinquency: by its 45th day. This applies despite a notice in the preceding 180 days. No payment request; not required more than once in the same bankruptcy case. Applicable bankruptcy law or court orders may require adaptation.

Recorded check status: scoped record reconciliation selected federal text versions comments all currentness application parent holds

Area and precise claim
If the bankruptcy written-notice exemption does not apply, the modified notice has a separate clock and content restriction.
Source pinpoint; status
S005 § 39(c)(1)(iii); S007 comments 39(c)-1–2, 39(c)(1)(iii)-1, 39(c)(2)-1; R/O.

Recorded coordinator check boundaries

coordinator review note
{"claim_id": "R008-P1-C034", "original_visible_claim_id": "R008-P1-C034", "all_original_cells_read": true, "researcher_record_unchanged": true, "area_numbers_preserved": [8], "explicit_source_numbers": [5, 7], "source_ranges_expanded": [], "selected_source_presence_not_entire_claim_primary_validation": true, "all_primary_claim_accepted": false, "original_status_codes_conditions_exceptions_inference_and_gaps_preserved": true}
R008-P1-C035 Saved research record

Ordinarily resume after the next payment due date following the earliest dismissal, closure, or reaffirmation. Following the specified discharge of personal liability, live contact need not resume; written notice must resume if any partial or periodic payment was made after commencement. Reopening does not automatically require a second notice for the same case. Actual discharge, orders, and stay effects are held.

Recorded check status: scoped record reconciliation selected federal text versions comments all currentness application parent holds

Area and precise claim
Resumption after bankruptcy has specified events and a discharge qualification.
Source pinpoint; status
S005 § 39(c)(2); S007 comment 39(c)(2)-1; R/O/U.

Recorded coordinator check boundaries

coordinator review note
{"claim_id": "R008-P1-C035", "original_visible_claim_id": "R008-P1-C035", "all_original_cells_read": true, "researcher_record_unchanged": true, "area_numbers_preserved": [8], "explicit_source_numbers": [5, 7], "source_ranges_expanded": [], "selected_source_presence_not_entire_claim_primary_validation": true, "all_primary_claim_accepted": false, "original_status_codes_conditions_exceptions_inference_and_gaps_preserved": true}
R008-P1-C036 Saved research record

Section 805(c) concerns written refusal-to-pay or cease-communication notification; mailed notification is complete upon receipt. Section 39(d) then exempts live contact, and exempts written notice if no option is available or any borrower is in bankruptcy. An ordinary application, payment dispute, or preference for email is not assumed to meet this trigger.

Recorded check status: scoped record reconciliation selected federal text versions comments all currentness application parent holds

Area and precise claim
The FDCPA partial exemption requires applicability to the servicer with respect to the particular loan and a qualifying notification.
Source pinpoint; status
S002 § 1692c(c); S005 § 39(d)(1)–(2); T/R/U.

Recorded coordinator check boundaries

coordinator review note
{"claim_id": "R008-P1-C036", "original_visible_claim_id": "R008-P1-C036", "all_original_cells_read": true, "researcher_record_unchanged": true, "area_numbers_preserved": [8], "explicit_source_numbers": [2, 5], "source_ranges_expanded": [], "selected_source_presence_not_entire_claim_primary_validation": true, "all_primary_claim_accepted": false, "original_status_codes_conditions_exceptions_inference_and_gaps_preserved": true}
R008-P1-C037 Saved research record

Where notice remains required, include the specified may/intends-to-foreclose statement and no payment request. It is prohibited more than once in 180 days. If at least 45 days delinquent at interval end, repeat by day 190 after the prior notice; otherwise by the later of 45 days after the relevant unpaid due date or that day 190. Comment 39(d)-2 permits the required modified notice and borrower-initiated loss-mitigation assistance under § 805(c), while preserving other FDCPA restrictions.

Recorded check status: scoped record reconciliation selected federal text versions comments all currentness application parent holds

Area and precise claim
The FDCPA modified written notice uses a prohibition on repetition and a 190-day outer branch.
Source pinpoint; status
S005 § 39(d)(3); S015; S007 comments 39(d)-1–2; R/O.

Recorded coordinator check boundaries

coordinator review note
{"claim_id": "R008-P1-C037", "original_visible_claim_id": "R008-P1-C037", "all_original_cells_read": true, "researcher_record_unchanged": true, "area_numbers_preserved": [8], "explicit_source_numbers": [5, 7, 15], "source_ranges_expanded": [], "selected_source_presence_not_entire_claim_primary_validation": true, "all_primary_claim_accepted": false, "original_status_codes_conditions_exceptions_inference_and_gaps_preserved": true}
R008-P1-C038 Saved research record

The bankruptcy, FDCPA, and successor-acknowledgment provisions identify particular communication duties. Their existence does not itself eliminate otherwise applicable § 41 protections. Independent § 30 scope exclusions, small-servicer treatment, and other laws must still be examined.

Recorded check status: scoped record reconciliation selected federal text versions comments all currentness application parent holds

Area and precise claim
An early-intervention exception is not automatically a loss-mitigation or foreclosure exception.
Source pinpoint; status
S004 § 32(c); S005 § 39(c)–(d); S006; I, from the provisions’ distinct scope.

Recorded coordinator check boundaries

coordinator review note
{"claim_id": "R008-P1-C038", "original_visible_claim_id": "R008-P1-C038", "all_original_cells_read": true, "researcher_record_unchanged": true, "area_numbers_preserved": [8], "explicit_source_numbers": [4, 5, 6], "source_ranges_expanded": [], "selected_source_presence_not_entire_claim_primary_validation": true, "all_primary_claim_accepted": false, "original_status_codes_conditions_exceptions_inference_and_gaps_preserved": true}
R008-P1-C039 Saved research record

The servicer must promptly seek missing information and consider material already transferred. It cannot stop collecting for remaining available options solely because the borrower prefers another option; confirmed ineligibility under applicable criteria can end collection for a particular option. Missing information outside borrower control does not itself make the borrower’s application incomplete.

Recorded check status: scoped record reconciliation selected federal text versions comments all currentness application parent holds

Area and precise claim
Completeness turns on actual receipt of all information required from the borrower, with reasonable diligence by the servicer.
Source pinpoint; status
S006 § 41(b)(1); S007 comments 41(b)(1)-1, -4–5; R/O.

Recorded coordinator check boundaries

coordinator review note
{"claim_id": "R008-P1-C039", "original_visible_claim_id": "R008-P1-C039", "all_original_cells_read": true, "researcher_record_unchanged": true, "area_numbers_preserved": [8], "explicit_source_numbers": [6, 7], "source_ranges_expanded": [], "selected_source_presence_not_entire_claim_primary_validation": true, "all_primary_claim_accepted": false, "original_status_codes_conditions_exceptions_inference_and_gaps_preserved": true}
R008-P1-C040 Saved research record

At 45 days or more, promptly review completeness and provide written acknowledgment within five days excluding legal public holidays, Saturdays and Sundays. State complete/incomplete; if incomplete, identify missing documents/information and the reasonable date. Include the statement about considering other servicers of loans secured by the same property. No scheduled sale is treated as satisfying this 45-day gate.

Recorded check status: scoped record reconciliation selected federal text versions comments all currentness application parent holds

Area and precise claim
Initial receipt at least 45 days before sale triggers prompt review and a five-day acknowledgment.
Source pinpoint; status
S006 § 41(b)(2)(i); S007 comment 41(b)(2)(i)-1; R/O.

Recorded coordinator check boundaries

coordinator review note
{"claim_id": "R008-P1-C040", "original_visible_claim_id": "R008-P1-C040", "all_original_cells_read": true, "researcher_record_unchanged": true, "area_numbers_preserved": [8], "explicit_source_numbers": [6, 7], "source_ranges_expanded": [], "selected_source_presence_not_entire_claim_primary_validation": true, "all_primary_claim_accepted": false, "original_status_codes_conditions_exceptions_inference_and_gaps_preserved": true}
R008-P1-C041 Saved research record

Thirty days after providing the acknowledgment is generally reasonable, subject to the earliest relevant document-staleness date, delinquency day 120, 90 days before sale, or 38 days before sale. The reasonable date must never be less than seven days after provision of the notice. This is not an unconditional 30-day borrower entitlement or a universal foreclosure pause through the disclosed date.

Recorded check status: scoped record reconciliation selected federal text versions comments all currentness application parent holds

Area and precise claim
The disclosed completion date must be reasonable, with milestone constraints and a seven-day minimum.
Source pinpoint; status
S006 § 41(b)(2)(ii); S007 comments 41(b)(2)(ii)-1–3; transfer qualification in 41(k)(2)(ii)-3; R/O/I.

Recorded coordinator check boundaries

coordinator review note
{"claim_id": "R008-P1-C041", "original_visible_claim_id": "R008-P1-C041", "all_original_cells_read": true, "researcher_record_unchanged": true, "area_numbers_preserved": [8], "explicit_source_numbers": [6, 7], "source_ranges_expanded": [], "selected_source_presence_not_entire_claim_primary_validation": true, "all_primary_claim_accepted": false, "original_status_codes_conditions_exceptions_inference_and_gaps_preserved": true}
R008-P1-C042 Saved research record

Determine sale-distance protection as of receipt of the complete application. If no sale is then scheduled, treat it as received more than 90 days before sale. Protections that attached remain after later scheduling/rescheduling. A postponement is not assumed to retroactively cure an originally late submission; any new qualifying receipt or other rule requires separate analysis.

Recorded check status: scoped record reconciliation selected federal text versions comments all currentness application parent holds

Area and precise claim
Sale-distance protections use a receipt-date snapshot.
Source pinpoint; status
S006 § 41(b)(3); S007 comments 41(b)(3)-1–2; last sentence I/U.

Recorded coordinator check boundaries

coordinator review note
{"claim_id": "R008-P1-C042", "original_visible_claim_id": "R008-P1-C042", "all_original_cells_read": true, "researcher_record_unchanged": true, "area_numbers_preserved": [8], "explicit_source_numbers": [6, 7], "source_ranges_expanded": [], "selected_source_presence_not_entire_claim_primary_validation": true, "all_primary_claim_accepted": false, "original_status_codes_conditions_exceptions_inference_and_gaps_preserved": true}
R008-P1-C043 Saved research record

Evaluate all available options and provide a written determination, including applicable acceptance/rejection period and modification-appeal right, time and requirements. The external-information exception in (c)(4)(ii) and transfer provisions must be checked. Exactly 37 days does not meet this ordinary gate.

Recorded check status: scoped record reconciliation selected federal text versions comments all currentness application parent holds

Area and precise claim
A complete application received more than 37 days before sale ordinarily triggers evaluation and determination within 30 calendar days.
Source pinpoint; status
S006 § 41(c)(1); R.

Recorded coordinator check boundaries

coordinator review note
{"claim_id": "R008-P1-C043", "original_visible_claim_id": "R008-P1-C043", "all_original_cells_read": true, "researcher_record_unchanged": true, "area_numbers_preserved": [8], "explicit_source_numbers": [6], "source_ranges_expanded": [], "selected_source_presence_not_entire_claim_primary_validation": true, "all_primary_claim_accepted": false, "original_status_codes_conditions_exceptions_inference_and_gaps_preserved": true}
R008-P1-C044 Saved research record

The operative exceptions are (c)(2)(ii), (iii), and (v). The interpretation separately permits offers without an application or without evaluating information supplied with an incomplete application; that is not permission to disregard duties already triggered by a qualifying application.

Recorded check status: scoped record reconciliation selected federal text versions comments all currentness application parent holds

Area and precise claim
Incomplete-application offers cannot be used to evade complete-application evaluation.
Source pinpoint; status
S006 § 41(c)(2)(i); S007 comments 41(c)(2)(i)-1–2; R/O/I.

Recorded coordinator check boundaries

coordinator review note
{"claim_id": "R008-P1-C044", "original_visible_claim_id": "R008-P1-C044", "all_original_cells_read": true, "researcher_record_unchanged": true, "area_numbers_preserved": [8], "explicit_source_numbers": [6, 7], "source_ranges_expanded": [], "selected_source_presence_not_entire_claim_primary_validation": true, "all_primary_claim_accepted": false, "original_status_codes_conditions_exceptions_inference_and_gaps_preserved": true}
R008-P1-C045 Saved research record

The servicer must have exercised reasonable diligence; incompleteness must persist for a significant period under the circumstances without further borrower progress. The resulting evaluation/offer is not a complete-application review for the repeat-review limitation. “Significant” is contextual, not a universal fixed waiting period.

Recorded check status: scoped record reconciliation selected federal text versions comments all currentness application parent holds

Area and precise claim
A significantly stalled incomplete application may be evaluated at the servicer’s discretion under a specific exception.
Source pinpoint; status
S006 § 41(c)(2)(ii); S007 comment 41(c)(2)(ii)-1; R/O.

Recorded coordinator check boundaries

coordinator review note
{"claim_id": "R008-P1-C045", "original_visible_claim_id": "R008-P1-C045", "all_original_cells_read": true, "researcher_record_unchanged": true, "area_numbers_preserved": [8], "explicit_source_numbers": [6, 7], "source_ranges_expanded": [], "selected_source_presence_not_entire_claim_primary_validation": true, "all_primary_claim_accepted": false, "original_status_codes_conditions_exceptions_inference_and_gaps_preserved": true}
R008-P1-C046 Saved research record

Forbearance covers payments due over no more than six months, regardless of the later makeup period. A short-term repayment plan addresses no more than three months of past-due payments, repaid over no more than six months. These numerical limits identify this exception, not all possible programs.

Recorded check status: scoped record reconciliation selected federal text versions comments all currentness application parent holds

Area and precise claim
Short-term forbearance and repayment exceptions have different definitions.
Source pinpoint; status
S007 comments 41(c)(2)(iii)-1, -4; S006 § 41(c)(2)(iii); R/O.

Recorded coordinator check boundaries

coordinator review note
{"claim_id": "R008-P1-C046", "original_visible_claim_id": "R008-P1-C046", "all_original_cells_read": true, "researcher_record_unchanged": true, "area_numbers_preserved": [8], "explicit_source_numbers": [6, 7], "source_ranges_expanded": [], "selected_source_presence_not_entire_claim_primary_validation": true, "all_primary_claim_accepted": false, "original_status_codes_conditions_exceptions_inference_and_gaps_preserved": true}
R008-P1-C047 Saved research record

Unless rejected, promptly provide written payment terms/duration, incomplete-application basis, possible other options, and ability to complete an application regardless of acceptance. “Promptly” generally means within five excluded-days after offering. While the agreed program/plan is being performed, no first notice/filing, motion for judgment/order of sale, or sale. Other applicable application duties continue; diligence can be suspended in the limited compliant/no-further-assistance circumstance, with the prescribed resumption and pre-end contact.

Recorded check status: scoped record reconciliation selected federal text versions comments all currentness application parent holds

Area and precise claim
A qualifying short-term offer based on an incomplete application creates notice and performance protections.
Source pinpoint; status
S006 § 41(c)(2)(iii); S007 comments 41(c)(2)(iii)-2–3, -5–6; 41(b)(1)-4.iii; R/O.

Recorded coordinator check boundaries

coordinator review note
{"claim_id": "R008-P1-C047", "original_visible_claim_id": "R008-P1-C047", "all_original_cells_read": true, "researcher_record_unchanged": true, "area_numbers_preserved": [8], "explicit_source_numbers": [6, 7], "source_ranges_expanded": [], "selected_source_presence_not_entire_claim_primary_validation": true, "all_primary_claim_accepted": false, "original_status_codes_conditions_exceptions_inference_and_gaps_preserved": true}
R008-P1-C048 Saved research record

Covered amounts can be delayed until refinancing, property sale, the existing loan term’s end, or FHA insurance termination as specified; covered amounts include the stated COVID-related forborne/due-unpaid principal and interest. Deferred amounts bear no interest; no option fee; existing late charges, penalties, stop-payment and similar charges are promptly waived on acceptance; acceptance ends pre-existing delinquency. Only then does (B) relieve (b)(1)–(2) duties for applications preceding that offer. No program availability or hardship eligibility is determined.

Recorded check status: scoped record reconciliation selected federal text versions comments all currentness application parent holds

Area and precise claim
Retained § 41(c)(2)(v) permits a specified COVID-related deferral option based on incomplete information only if all conditions hold.
Source pinpoint; status
S006 § 41(c)(2)(v)(A)(1)–(3), (B); C003’s definition gap; R/U.

Recorded coordinator check boundaries

coordinator review note
{"claim_id": "R008-P1-C048", "original_visible_claim_id": "R008-P1-C048", "all_original_cells_read": true, "researcher_record_unchanged": true, "area_numbers_preserved": [8], "explicit_source_numbers": [6], "source_ranges_expanded": [], "selected_source_presence_not_entire_claim_primary_validation": true, "all_primary_claim_accepted": false, "original_status_codes_conditions_exceptions_inference_and_gaps_preserved": true}
R008-P1-C049 Saved research record

Facial completeness arises when all listed missing material is submitted, no more material is requested in the acknowledgment, or the complete-application notice becomes required. Later-discovered missing/corrected material must be requested promptly; treat the application as complete for (f)(2) and (g) during a reasonable opportunity to cure. Timely completion relates back for (d), (e), (f)(2), (g), (h), but (c) uses actual completion. Failure to complete within the reasonable opportunity leaves it incomplete.

Recorded check status: scoped record reconciliation selected federal text versions comments all currentness application parent holds

Area and precise claim
Facially complete applications receive specified protective treatment, not one universal completion date for every purpose.
Source pinpoint; status
S006 § 41(c)(2)(iv); S007 comments 41(c)(2)(iv)-1–2; R/O.

Recorded coordinator check boundaries

coordinator review note
{"claim_id": "R008-P1-C049", "original_visible_claim_id": "R008-P1-C049", "all_original_cells_read": true, "researcher_record_unchanged": true, "area_numbers_preserved": [8], "explicit_source_numbers": [6, 7], "source_ranges_expanded": [], "selected_source_presence_not_entire_claim_primary_validation": true, "all_primary_claim_accepted": false, "original_status_codes_conditions_exceptions_inference_and_gaps_preserved": true}
R008-P1-C050 Saved research record

It states completeness, actual receipt date, expected 30-day evaluation, applicable pre-/post-first-filing protection, potential later information requests/reasonable opportunity/consequences, and possible additional law. Exceptions: prior complete acknowledgment without later correction request; application neither complete nor facially complete more than 37 days before sale; or already-provided determination. Recompletion generally requires a new notice unless an exception applies.

Recorded check status: scoped record reconciliation selected federal text versions comments all currentness application parent holds

Area and precise claim
The complete-application notice is a separate five-excluded-day duty, with express exceptions.
Source pinpoint; status
S006 § 41(c)(3)(i)–(ii); S007 comments 41(c)(3)(i)-1–3; R/O.

Recorded coordinator check boundaries

coordinator review note
{"claim_id": "R008-P1-C050", "original_visible_claim_id": "R008-P1-C050", "all_original_cells_read": true, "researcher_record_unchanged": true, "area_numbers_preserved": [8], "explicit_source_numbers": [6, 7], "source_ranges_expanded": [], "selected_source_presence_not_entire_claim_primary_validation": true, "all_primary_claim_accepted": false, "original_status_codes_conditions_exceptions_inference_and_gaps_preserved": true}
R008-P1-C051 Saved research record

The servicer must request it promptly and, to the extent practicable, in time for the 30-day evaluation. It must complete all possible evaluation steps within that period. Its own missing work is not automatically a third-party-delay exception.

Recorded check status: scoped record reconciliation selected federal text versions comments all currentness application parent holds

Area and precise claim
Information outside borrower control requires servicer diligence, including information within the servicer’s own control.
Source pinpoint; status
S006 § 41(c)(4)(i); S007 comments 41(c)(4)(i)-1, 41(c)(4)(ii)-1; R/O.

Recorded coordinator check boundaries

coordinator review note
{"claim_id": "R008-P1-C051", "original_visible_claim_id": "R008-P1-C051", "all_original_cells_read": true, "researcher_record_unchanged": true, "area_numbers_preserved": [8], "explicit_source_numbers": [6, 7], "source_ranges_expanded": [], "selected_source_presence_not_entire_claim_primary_validation": true, "all_primary_claim_accepted": false, "original_status_codes_conditions_exceptions_inference_and_gaps_preserved": true}
R008-P1-C052 Saved research record

If information from a party other than the borrower or servicer prevents determination within 30 days, provide the specified delay notice within that period or promptly afterward: missing specific information, request made, and prompt completion when received. Heighten efforts after 30 days; do not issue the final determination before receipt except under C053. Promptly determine once received.

Recorded check status: scoped record reconciliation selected federal text versions comments all currentness application parent holds

Area and precise claim
True third-party delay has a notice and continuing-effort branch.
Source pinpoint; status
S006 § 41(c)(4)(ii)(B)–(C); S007 comment 41(c)(4)(i)-2; R/O.

Recorded coordinator check boundaries

coordinator review note
{"claim_id": "R008-P1-C052", "original_visible_claim_id": "R008-P1-C052", "all_original_cells_read": true, "researcher_record_unchanged": true, "area_numbers_preserved": [8], "explicit_source_numbers": [6, 7], "source_ranges_expanded": [], "selected_source_presence_not_entire_claim_primary_validation": true, "all_primary_claim_accepted": false, "original_status_codes_conditions_exceptions_inference_and_gaps_preserved": true}
R008-P1-C053 Saved research record

Reasonable diligence; a significant period after the 30-day period; information from neither borrower nor servicer; and applicable owner/assignee requirements making determination impossible without it are required. The servicer may then deny with the prescribed determination and copy of the delay notice. Denial is permitted, not compelled; no fixed “significant period” is invented.

Recorded check status: scoped record reconciliation selected federal text versions comments all currentness application parent holds

Area and precise claim
Denial solely for unavailable outside information is ordinarily prohibited; the exception is narrow.
Source pinpoint; status
S006 § 41(c)(4)(ii)(A); S007 comment 41(c)(4)(ii)-2; R/O.

Recorded coordinator check boundaries

coordinator review note
{"claim_id": "R008-P1-C053", "original_visible_claim_id": "R008-P1-C053", "all_original_cells_read": true, "researcher_record_unchanged": true, "area_numbers_preserved": [8], "explicit_source_numbers": [6, 7], "source_ranges_expanded": [], "selected_source_presence_not_entire_claim_primary_validation": true, "all_primary_claim_accepted": false, "original_status_codes_conditions_exceptions_inference_and_gaps_preserved": true}
R008-P1-C054 Saved research record

Identify the investor/guarantor and specific requirement when that is the basis; generic “investor restriction” is insufficient. For an NPV denial disclose calculation inputs. Waterfall treatment has its specified explanation allowance. Disclose criteria actually causing denial and, where applicable, that other criteria were not evaluated. Offering another option does not erase a modification denial.

Recorded check status: scoped record reconciliation selected federal text versions comments all currentness application parent holds

Area and precise claim
A modification-denial notice must give the actual specific reasons for each denied trial or permanent modification option.
Source pinpoint; status
S006 § 41(d); S007 comments 41(d)-1–4; R/O.

Recorded coordinator check boundaries

coordinator review note
{"claim_id": "R008-P1-C054", "original_visible_claim_id": "R008-P1-C054", "all_original_cells_read": true, "researcher_record_unchanged": true, "area_numbers_preserved": [8], "explicit_source_numbers": [6, 7], "source_ranges_expanded": [], "selected_source_presence_not_entire_claim_primary_validation": true, "all_primary_claim_accepted": false, "original_status_codes_conditions_exceptions_inference_and_gaps_preserved": true}
R008-P1-C055 Saved research record

Complete receipt 90 days or more before sale: no earlier than 14 calendar days after providing the offer. Complete receipt less than 90 but more than 37 days before sale: no earlier than seven calendar days. These are minimum permitted periods, not proof of the actual offer’s expiry.

Recorded check status: scoped record reconciliation selected federal text versions comments all currentness application parent holds

Area and precise claim
The ordinary offer-response periods constrain how soon the servicer may demand a response.
Source pinpoint; status
S006 § 41(e)(1); R.

Recorded coordinator check boundaries

coordinator review note
{"claim_id": "R008-P1-C055", "original_visible_claim_id": "R008-P1-C055", "all_original_cells_read": true, "researcher_record_unchanged": true, "area_numbers_preserved": [8], "explicit_source_numbers": [6], "source_ranges_expanded": [], "selected_source_presence_not_entire_claim_primary_validation": true, "all_primary_claim_accepted": false, "original_status_codes_conditions_exceptions_inference_and_gaps_preserved": true}
R008-P1-C056 Saved research record

The actual deadline must comply with (e)(1). Timely submission of trial-plan payments requires a reasonable extra period to complete remaining acceptance requirements. A qualifying appeal has the separate extension in C060.

Recorded check status: scoped record reconciliation selected federal text versions comments all currentness application parent holds

Area and precise claim
Nonacceptance may be deemed rejection, subject to specified qualifications.
Source pinpoint; status
S006 § 41(e)(2)(i)–(ii); R.

Recorded coordinator check boundaries

coordinator review note
{"claim_id": "R008-P1-C056", "original_visible_claim_id": "R008-P1-C056", "all_original_cells_read": true, "researcher_record_unchanged": true, "area_numbers_preserved": [8], "explicit_source_numbers": [6], "source_ranges_expanded": [], "selected_source_presence_not_entire_claim_primary_validation": true, "all_primary_claim_accepted": false, "original_status_codes_conditions_exceptions_inference_and_gaps_preserved": true}
R008-P1-C057 Saved research record

Complete application received 90 days or more before sale, or during the period set forth in (f). It is not a universal appeal for every option denial. An application received after first filing with only 38–89 days remaining does not qualify through the 90-day route merely because the >37-day evaluation gate is met.

Recorded check status: scoped record reconciliation selected federal text versions comments all currentness application parent holds

Area and precise claim
Appeal eligibility concerns trial/permanent modification denials and has two alternative timing routes.
Source pinpoint; status
S006 § 41(h)(1); R/I.

Recorded coordinator check boundaries

coordinator review note
{"claim_id": "R008-P1-C057", "original_visible_claim_id": "R008-P1-C057", "all_original_cells_read": true, "researcher_record_unchanged": true, "area_numbers_preserved": [8], "explicit_source_numbers": [6], "source_ranges_expanded": [], "selected_source_presence_not_entire_claim_primary_validation": true, "all_primary_claim_accepted": false, "original_status_codes_conditions_exceptions_inference_and_gaps_preserved": true}
R008-P1-C058 Saved research record

Section (h)(2) requires permitting an appeal within 14 days after the servicer provides the offer pursuant to (c)(1)(ii). The determination must disclose applicable appeal requirements. Do not replace “provides,” “makes,” or the disclosed requirements with an invented mailing/receipt presumption. The exact appeal method and deadline in any actual notice remain unknown.

Recorded check status: scoped record reconciliation selected federal text versions comments all currentness application parent holds

Area and precise claim
The appeal provision supplies a 14-day making window; it does not itself universally say the appeal must be written.
Source pinpoint; status
S006 §§ 41(c)(1)(ii), (h)(2); R/U.

Recorded coordinator check boundaries

coordinator review note
{"claim_id": "R008-P1-C058", "original_visible_claim_id": "R008-P1-C058", "all_original_cells_read": true, "researcher_record_unchanged": true, "area_numbers_preserved": [8], "explicit_source_numbers": [6], "source_ranges_expanded": [], "selected_source_presence_not_entire_claim_primary_validation": true, "all_primary_claim_accepted": false, "original_status_codes_conditions_exceptions_inference_and_gaps_preserved": true}
R008-P1-C059 Saved research record

A supervisor may review if not directly involved in the original evaluation. Within 30 calendar days of the borrower making the appeal, provide the determination and applicable response period. Acceptance cannot be required earlier than 14 days after provision of that notice. No further appeal is required under this paragraph. The notice is subject to § 32’s writing rule.

Recorded check status: scoped record reconciliation selected federal text versions comments all currentness application parent holds

Area and precise claim
Appeal review requires different personnel and a timely determination notice.
Source pinpoint; status
S006 § 41(h)(3)–(4); S007 comment 41(h)(3)-1; S004 § 32(a); R/O.

Recorded coordinator check boundaries

coordinator review note
{"claim_id": "R008-P1-C059", "original_visible_claim_id": "R008-P1-C059", "all_original_cells_read": true, "researcher_record_unchanged": true, "area_numbers_preserved": [8], "explicit_source_numbers": [4, 6, 7], "source_ranges_expanded": [], "selected_source_presence_not_entire_claim_primary_validation": true, "all_primary_claim_accepted": false, "original_status_codes_conditions_exceptions_inference_and_gaps_preserved": true}
R008-P1-C060 Saved research record

The acceptance deadline is extended until 14 days after the (h)(4) notice is provided. This does not itself extend an unrelated court-response, assistance-program, or other contractual deadline.

Recorded check status: scoped record reconciliation selected federal text versions comments all currentness application parent holds

Area and precise claim
A qualifying appeal extends the acceptance period for the offered loss-mitigation option.
Source pinpoint; status
S006 § 41(e)(2)(iii), (h)(4); R/I.

Recorded coordinator check boundaries

coordinator review note
{"claim_id": "R008-P1-C060", "original_visible_claim_id": "R008-P1-C060", "all_original_cells_read": true, "researcher_record_unchanged": true, "area_numbers_preserved": [8], "explicit_source_numbers": [6], "source_ranges_expanded": [], "selected_source_presence_not_entire_claim_primary_validation": true, "all_primary_claim_accepted": false, "original_status_codes_conditions_exceptions_inference_and_gaps_preserved": true}
R008-P1-C061 Saved research record

Section (f)(1) also permits the threshold exception where foreclosure is based on a due-on-sale violation, or the servicer is joining a superior/subordinate lienholder’s foreclosure. These are exceptions to (f)(1), not automatic exceptions to every other protection. No current general abandoned-property exception appears in (f)(1).

Recorded check status: scoped record reconciliation selected federal text versions comments all currentness application parent holds

Area and precise claim
The ordinary first-notice/filing restriction uses more than 120 days delinquent.
Source pinpoint; status
S006 § 41(f)(1)(i)–(iii); S017 deletion of (f)(3); R/I.

Recorded coordinator check boundaries

coordinator review note
{"claim_id": "R008-P1-C061", "original_visible_claim_id": "R008-P1-C061", "all_original_cells_read": true, "researcher_record_unchanged": true, "area_numbers_preserved": [8], "explicit_source_numbers": [6, 17], "source_ranges_expanded": [], "selected_source_presence_not_entire_claim_primary_validation": true, "all_primary_claim_accepted": false, "original_status_codes_conditions_exceptions_inference_and_gaps_preserved": true}
R008-P1-C062 Saved research record

Judicial: earliest required court/judicial-body filing commencing the proceeding. Nonjudicial with recording/publication: earliest required recorded/published initiating document. Neither court filing nor recording/publication: earliest document setting/scheduling sale. A private borrower letter is not first solely because it later becomes an attachment. No actual State or document was classified.

Recorded check status: scoped record reconciliation selected federal text versions comments all currentness application parent holds

Area and precise claim
Identifying the first notice or filing requires the applicable State foreclosure procedure.
Source pinpoint; status
S007 comment 41(f)-1.i–iv; O/U.

Recorded coordinator check boundaries

coordinator review note
{"claim_id": "R008-P1-C062", "original_visible_claim_id": "R008-P1-C062", "all_original_cells_read": true, "researcher_record_unchanged": true, "area_numbers_preserved": [8], "explicit_source_numbers": [7], "source_ranges_expanded": [], "selected_source_presence_not_entire_claim_primary_validation": true, "all_primary_claim_accepted": false, "original_status_codes_conditions_exceptions_inference_and_gaps_preserved": true}
R008-P1-C063 Saved research record

Receipt during the preforeclosure review period or before first notice/filing prevents that initiating act until a listed release condition is met. Merely exceeding 120 days does not eliminate this additional restriction. The post-filing >37-day formulation must not be mechanically substituted for this clause.

Recorded check status: scoped record reconciliation selected federal text versions comments all currentness application parent holds

Area and precise claim
A complete application before first notice/filing creates an additional restriction under (f)(2).
Source pinpoint; status
S006 § 41(f)(2); R/I.

Recorded coordinator check boundaries

coordinator review note
{"claim_id": "R008-P1-C063", "original_visible_claim_id": "R008-P1-C063", "all_original_cells_read": true, "researcher_record_unchanged": true, "area_numbers_preserved": [8], "explicit_source_numbers": [6], "source_ranges_expanded": [], "selected_source_presence_not_entire_claim_primary_validation": true, "all_primary_claim_accepted": false, "original_status_codes_conditions_exceptions_inference_and_gaps_preserved": true}
R008-P1-C064 Saved research record

First: a compliant no-available-option determination, plus appeal inapplicability, expired unused appeal opportunity, or denied appeal. Second: rejection of all offered options. Third: failure to perform an agreed option. One denial, one rejected offer, or a conclusory “review closed” label does not prove the applicable condition. Short-sale marketing/listing performance and approved-sale qualifications also matter.

Recorded check status: scoped record reconciliation selected federal text versions comments all currentness application parent holds

Area and precise claim
The release conditions in (f)(2) and (g) are alternatives with distinct evidence predicates.
Source pinpoint; status
S006 §§ 41(f)(2)(i)–(iii), (g)(1)–(3); S007 comments 41(g)(3)-1–2; R/O/I.

Recorded coordinator check boundaries

coordinator review note
{"claim_id": "R008-P1-C064", "original_visible_claim_id": "R008-P1-C064", "all_original_cells_read": true, "researcher_record_unchanged": true, "area_numbers_preserved": [8], "explicit_source_numbers": [6, 7], "source_ranges_expanded": [], "selected_source_presence_not_entire_claim_primary_validation": true, "all_primary_claim_accepted": false, "original_status_codes_conditions_exceptions_inference_and_gaps_preserved": true}
R008-P1-C065 Saved research record

Until a C064 release condition is met, the servicer may not move for foreclosure judgment or order of sale, or conduct the sale. Receipt after first filing can therefore still matter; it does not undo the already-made first filing.

Recorded check status: scoped record reconciliation selected federal text versions comments all currentness application parent holds

Area and precise claim
After first notice/filing, a complete application received more than 37 days before sale restricts specified later acts.
Source pinpoint; status
S006 § 41(g); R/I.

Recorded coordinator check boundaries

coordinator review note
{"claim_id": "R008-P1-C065", "original_visible_claim_id": "R008-P1-C065", "all_original_cells_read": true, "researcher_record_unchanged": true, "area_numbers_preserved": [8], "explicit_source_numbers": [6], "source_ranges_expanded": [], "selected_source_presence_not_entire_claim_primary_validation": true, "all_primary_claim_accepted": false, "original_status_codes_conditions_exceptions_inference_and_gaps_preserved": true}
R008-P1-C066 Saved research record

Default, pleadings, and summary-judgment motions can qualify. For a previously pending motion, the interpretation requires reasonable steps to avoid a ruling/order during protected review; it does not promise the steps will succeed. The servicer must promptly instruct counsel and cannot avoid its duty because counsel failed to act. A sale can violate (g) even if someone else administers it.

Recorded check status: scoped record reconciliation selected federal text versions comments all currentness application parent holds

Area and precise claim
The later-act restriction includes dispositive motions and requires action through counsel when necessary.
Source pinpoint; status
S007 comments 41(g)-1, -3, -5; S008 § 38(b)(3); O.

Recorded coordinator check boundaries

coordinator review note
{"claim_id": "R008-P1-C066", "original_visible_claim_id": "R008-P1-C066", "all_original_cells_read": true, "researcher_record_unchanged": true, "area_numbers_preserved": [8], "explicit_source_numbers": [7, 8], "source_ranges_expanded": [], "selected_source_presence_not_entire_claim_primary_validation": true, "all_primary_claim_accepted": false, "original_status_codes_conditions_exceptions_inference_and_gaps_preserved": true}
R008-P1-C067 Saved research record

Publication, arbitration, mediation and other steps may continue if they do not cause or directly result in a prohibited judgment/order/sale. The rule does not determine State answer/service deadlines, sale validity, court jurisdiction, redemption, standing, or an automatic injunction. Those are uninvestigated, independent questions.

Recorded check status: scoped record reconciliation selected federal text versions comments all currentness application parent holds

Area and precise claim
Section 41(g) does not stop every step in a foreclosure proceeding.
Source pinpoint; status
S007 comment 41(g)-2; S006 § 41(a), (g); O/I/U.

Recorded coordinator check boundaries

coordinator review note
{"claim_id": "R008-P1-C067", "original_visible_claim_id": "R008-P1-C067", "all_original_cells_read": true, "researcher_record_unchanged": true, "area_numbers_preserved": [8], "explicit_source_numbers": [6, 7], "source_ranges_expanded": [], "selected_source_presence_not_entire_claim_primary_validation": true, "all_primary_claim_accepted": false, "original_status_codes_conditions_exceptions_inference_and_gaps_preserved": true}
R008-P1-C068 Saved research record

The specific transfer exception C076 must be checked, as must previously attached/facial protections. Section 38(b)(2)(v) separately requires policies implementing applicable owner/assignee evaluation requirements, including potentially late applications. No actual State or investor requirement is supplied here.

Recorded check status: scoped record reconciliation selected federal text versions comments all currentness application parent holds

Area and precise claim
A post-filing application with 37 or fewer days remaining does not ordinarily receive the >37-day procedural protection merely because it was submitted.
Source pinpoint; status
S006 §§ 41(c)(1), (g), (k)(2)(ii)(B); S007 comment 41(g)-4 and 38(b)(2)(v)-1; R/O/U.

Recorded coordinator check boundaries

coordinator review note
{"claim_id": "R008-P1-C068", "original_visible_claim_id": "R008-P1-C068", "all_original_cells_read": true, "researcher_record_unchanged": true, "area_numbers_preserved": [8], "explicit_source_numbers": [6, 7], "source_ranges_expanded": [], "selected_source_presence_not_entire_claim_primary_validation": true, "all_primary_claim_accepted": false, "original_status_codes_conditions_exceptions_inference_and_gaps_preserved": true}
R008-P1-C069 Saved research record

The same servicer must previously have fully complied for a complete application, and delinquency must have continued at all times since it was submitted. Cure followed by a new delinquency requires renewed applicable compliance. A discretionary incomplete review is not enough.

Recorded check status: scoped record reconciliation selected federal text versions comments all currentness application parent holds

Area and precise claim
The duplicative-application exception is not a lifetime one-application rule.
Source pinpoint; status
S006 § 41(i), (c)(2)(ii); S007 comment 41(i)-1; R/O.

Recorded coordinator check boundaries

coordinator review note
{"claim_id": "R008-P1-C069", "original_visible_claim_id": "R008-P1-C069", "all_original_cells_read": true, "researcher_record_unchanged": true, "area_numbers_preserved": [8], "explicit_source_numbers": [6, 7], "source_ranges_expanded": [], "selected_source_presence_not_entire_claim_primary_validation": true, "all_primary_claim_accepted": false, "original_status_codes_conditions_exceptions_inference_and_gaps_preserved": true}
R008-P1-C070 Saved research record

Changed financial circumstances alone do not expressly reset § 41(i)’s continuous-delinquency exception. Applicable investor requirements may nevertheless require reevaluation through § 38 policies. A transferee is a different servicer and cannot simply invoke the predecessor’s completed review as its own § 41(i) exception.

Recorded check status: scoped record reconciliation selected federal text versions comments all currentness application parent holds

Area and precise claim
Changed facts and a different servicer require separate treatment.
Source pinpoint; status
S007 comments 38(b)(2)(v)-1, 41(i)-2; S008 § 38(b)(2)(v); O/I.

Recorded coordinator check boundaries

coordinator review note
{"claim_id": "R008-P1-C070", "original_visible_claim_id": "R008-P1-C070", "all_original_cells_read": true, "researcher_record_unchanged": true, "area_numbers_preserved": [8], "explicit_source_numbers": [7, 8], "source_ranges_expanded": [], "selected_source_presence_not_entire_claim_primary_validation": true, "all_primary_claim_accepted": false, "original_status_codes_conditions_exceptions_inference_and_gaps_preserved": true}
R008-P1-C071 Saved research record

It remains subject to (f)(1). It also cannot make first notice/filing, move for judgment/order of sale, or sell while the borrower performs an agreed loss-mitigation option. It is otherwise exempt from the full § 41 procedures through § 30(b)(1); a complete application alone does not import all ordinary evaluation/appeal duties.

Recorded check status: scoped record reconciliation selected federal text versions comments all currentness application parent holds

Area and precise claim
A qualifying small servicer retains important foreclosure restrictions.
Source pinpoint; status
S004 § 30(b)(1); S006 § 41(j); R.

Recorded coordinator check boundaries

coordinator review note
{"claim_id": "R008-P1-C071", "original_visible_claim_id": "R008-P1-C071", "all_original_cells_read": true, "researcher_record_unchanged": true, "area_numbers_preserved": [8], "explicit_source_numbers": [4, 6], "source_ranges_expanded": [], "selected_source_presence_not_entire_claim_primary_validation": true, "all_primary_claim_accepted": false, "original_status_codes_conditions_exceptions_inference_and_gaps_preserved": true}
R008-P1-C072 Saved research record

Pending means subject to § 41 and not fully resolved; a fully denied application with expired appeal opportunity may not be pending. Except for (k)(2)–(4), use the predecessor’s receipt-based timeframes. Rights under (c)–(h) continue. If the predecessor was not subject to § 41 for the application, the interpretation supplies a transfer-date receipt rule for (b) and (c).

Recorded check status: scoped record reconciliation selected federal text versions comments all currentness application parent holds

Area and precise claim
Pending applications generally carry across a servicing transfer with their existing rights and clocks.
Source pinpoint; status
S006 § 41(k)(1)(i); S007 comments 41(k)-1, 41(k)(1)(i)-1; R/O.

Recorded coordinator check boundaries

coordinator review note
{"claim_id": "R008-P1-C072", "original_visible_claim_id": "R008-P1-C072", "all_original_cells_read": true, "researcher_record_unchanged": true, "area_numbers_preserved": [8], "explicit_source_numbers": [6, 7], "source_ranges_expanded": [], "selected_source_presence_not_entire_claim_primary_validation": true, "all_primary_claim_accepted": false, "original_status_codes_conditions_exceptions_inference_and_gaps_preserved": true}
R008-P1-C073 Saved research record

For (k), transfer date is when the new servicer begins accepting payments as disclosed under § 33(b)(4)(iv); it is not necessarily the first-payment-due date or servicing-sale date. Documents received by the predecessor, including after transfer, must be transferred/obtained and can preserve their receipt date for (c)–(h). Already-provided notices need not be duplicated.

Recorded check status: scoped record reconciliation selected federal text versions comments all currentness application parent holds

Area and precise claim
The application-transfer date and document receipt dates must be distinguished.
Source pinpoint; status
S006 § 41(k)(1)(ii); S007 comments 41(k)(1)(i)-1–3, 41(k)(1)(ii)-1; S008 § 38(b)(4); R/O.

Recorded coordinator check boundaries

coordinator review note
{"claim_id": "R008-P1-C073", "original_visible_claim_id": "R008-P1-C073", "all_original_cells_read": true, "researcher_record_unchanged": true, "area_numbers_preserved": [8], "explicit_source_numbers": [6, 7, 8], "source_ranges_expanded": [], "selected_source_presence_not_entire_claim_primary_validation": true, "all_primary_claim_accepted": false, "original_status_codes_conditions_exceptions_inference_and_gaps_preserved": true}
R008-P1-C074 Saved research record

Both predicates matter: the original acknowledgment period has not expired at transfer, and the old servicer has not supplied the notice. The new servicer then provides it within 10 days excluding legal public holidays, Saturdays and Sundays, from transfer. This is not the clock for every transferred application.

Recorded check status: scoped record reconciliation selected federal text versions comments all currentness application parent holds

Area and precise claim
A transfer during an unexpired, unperformed acknowledgment period produces a ten-excluded-day acknowledgment clock.
Source pinpoint; status
S006 § 41(k)(2)(i); R.

Recorded coordinator check boundaries

coordinator review note
{"claim_id": "R008-P1-C074", "original_visible_claim_id": "R008-P1-C074", "all_original_cells_read": true, "researcher_record_unchanged": true, "area_numbers_preserved": [8], "explicit_source_numbers": [6], "source_ranges_expanded": [], "selected_source_presence_not_entire_claim_primary_validation": true, "all_primary_claim_accepted": false, "original_status_codes_conditions_exceptions_inference_and_gaps_preserved": true}
R008-P1-C075 Saved research record

The transferee cannot make first notice/filing until after the disclosed reasonable date, notwithstanding (f)(1). Completion on or before that date is treated as completion during the preforeclosure period for (f)(2). Existing protections, including a later applicable 120-day threshold, are not removed.

Recorded check status: scoped record reconciliation selected federal text versions comments all currentness application parent holds

Area and precise claim
That particular transfer-acknowledgment branch protects the disclosed reasonable-date interval.
Source pinpoint; status
S006 § 41(k)(2)(ii)(A); S007 comments 41(k)(2)(ii)-1–3; R/O.

Recorded coordinator check boundaries

coordinator review note
{"claim_id": "R008-P1-C075", "original_visible_claim_id": "R008-P1-C075", "all_original_cells_read": true, "researcher_record_unchanged": true, "area_numbers_preserved": [8], "explicit_source_numbers": [6, 7], "source_ranges_expanded": [], "selected_source_presence_not_entire_claim_primary_validation": true, "all_primary_claim_accepted": false, "original_status_codes_conditions_exceptions_inference_and_gaps_preserved": true}
R008-P1-C076 Saved research record

If completion reaches either servicer 37 or fewer days before sale but on or before the disclosed reasonable date, the transferee must comply with (c), (d), and (g). This provision does not itself give every such application a new appeal right or erase an already-existing right.

Recorded check status: scoped record reconciliation selected federal text versions comments all currentness application parent holds

Area and precise claim
The same transfer branch can override the ordinary >37-day gate for specified provisions.
Source pinpoint; status
S006 § 41(k)(2)(ii)(B); S007 comment 41(k)(2)(ii)-2; R/O.

Recorded coordinator check boundaries

coordinator review note
{"claim_id": "R008-P1-C076", "original_visible_claim_id": "R008-P1-C076", "all_original_cells_read": true, "researcher_record_unchanged": true, "area_numbers_preserved": [8], "explicit_source_numbers": [6, 7], "source_ranges_expanded": [], "selected_source_presence_not_entire_claim_primary_validation": true, "all_primary_claim_accepted": false, "original_status_codes_conditions_exceptions_inference_and_gaps_preserved": true}
R008-P1-C077 Saved research record

The transferee must comply with applicable (c)(1) and (c)(4) within 30 calendar days of transfer. That clock does not reset the application’s protective receipt date or authorize prohibited foreclosure acts.

Recorded check status: scoped record reconciliation selected federal text versions comments all currentness application parent holds

Area and precise claim
A complete application pending at transfer has a specified new evaluation deadline.
Source pinpoint; status
S006 § 41(k)(3), (k)(1); R/I.

Recorded coordinator check boundaries

coordinator review note
{"claim_id": "R008-P1-C077", "original_visible_claim_id": "R008-P1-C077", "all_original_cells_read": true, "researcher_record_unchanged": true, "area_numbers_preserved": [8], "explicit_source_numbers": [6], "source_ranges_expanded": [], "selected_source_presence_not_entire_claim_primary_validation": true, "all_primary_claim_accepted": false, "original_status_codes_conditions_exceptions_inference_and_gaps_preserved": true}
R008-P1-C078 Saved research record

Complete under the old criteria but incomplete under the new criteria: preserve facial completeness from the original complete/facial date, request needed material, and apply the facial-completeness rules. Incomplete under old criteria but complete under new: treat as pending complete at transfer for the 30-day transfer clock; (c)–(h) use the predecessor’s receipt of the completing material, and the notice identifies that date.

Recorded check status: scoped record reconciliation selected federal text versions comments all currentness application parent holds

Area and precise claim
Changes in completion criteria on transfer do not simply erase the old completion status.
Source pinpoint; status
S007 comments 41(k)(1)(i)-2, 41(k)(3)-1–2; S006 § 41(c)(2)(iv); O/R.

Recorded coordinator check boundaries

coordinator review note
{"claim_id": "R008-P1-C078", "original_visible_claim_id": "R008-P1-C078", "all_original_cells_read": true, "researcher_record_unchanged": true, "area_numbers_preserved": [8], "explicit_source_numbers": [6, 7], "source_ranges_expanded": [], "selected_source_presence_not_entire_claim_primary_validation": true, "all_primary_claim_accepted": false, "original_status_codes_conditions_exceptions_inference_and_gaps_preserved": true}
R008-P1-C079 Saved research record

Determine the appeal and provide the (h)(4) notice within 30 days after transfer or 30 days after the borrower made the appeal, whichever is later. An appeal sent to the predecessor after transfer must be transferred/obtained under the applicable policies.

Recorded check status: scoped record reconciliation selected federal text versions comments all currentness application parent holds

Area and precise claim
A transferee able to decide a pending or timely post-transfer appeal has a later-of deadline.
Source pinpoint; status
S006 § 41(k)(4), (i); S007 comment 41(k)(4)-1; R/O.

Recorded coordinator check boundaries

coordinator review note
{"claim_id": "R008-P1-C079", "original_visible_claim_id": "R008-P1-C079", "all_original_cells_read": true, "researcher_record_unchanged": true, "area_numbers_preserved": [8], "explicit_source_numbers": [6, 7], "source_ranges_expanded": [], "selected_source_presence_not_entire_claim_primary_validation": true, "all_primary_claim_accepted": false, "original_status_codes_conditions_exceptions_inference_and_gaps_preserved": true}
R008-P1-C080 Saved research record

Evaluate all options available through the transferee. For (c) or (k)(3), completion is the first receipt of the appeal by either servicer. For (e)–(h), preserve the original facial/complete date with the predecessor. The interpretation identifies missing records or an unavailable predecessor program as possible reasons for inability, not automatic dismissal of the appeal.

Recorded check status: scoped record reconciliation selected federal text versions comments all currentness application parent holds

Area and precise claim
A transferee unable to decide the appeal must treat it as a pending complete application.
Source pinpoint; status
S006 § 41(k)(4)(ii); S007 comment 41(k)(4)-2; R/O.

Recorded coordinator check boundaries

coordinator review note
{"claim_id": "R008-P1-C080", "original_visible_claim_id": "R008-P1-C080", "all_original_cells_read": true, "researcher_record_unchanged": true, "area_numbers_preserved": [8], "explicit_source_numbers": [6, 7], "source_ranges_expanded": [], "selected_source_presence_not_entire_claim_primary_validation": true, "all_primary_claim_accepted": false, "original_status_codes_conditions_exceptions_inference_and_gaps_preserved": true}
R008-P1-C081 Saved research record

The transferee must permit acceptance/rejection during the unexpired balance under (e) or (h). The appeal-transfer interpretation also preserves the ability to accept an outstanding predecessor option even where the transferee does not ordinarily offer it.

Recorded check status: scoped record reconciliation selected federal text versions comments all currentness application parent holds

Area and precise claim
Transfer preserves an unexpired offer-response period rather than creating an automatic new full period.
Source pinpoint; status
S006 § 41(k)(5); S007 comment 41(k)(4)-2; R/O.

Recorded coordinator check boundaries

coordinator review note
{"claim_id": "R008-P1-C081", "original_visible_claim_id": "R008-P1-C081", "all_original_cells_read": true, "researcher_record_unchanged": true, "area_numbers_preserved": [8], "explicit_source_numbers": [6, 7], "source_ranges_expanded": [], "selected_source_presence_not_entire_claim_primary_validation": true, "all_primary_claim_accepted": false, "original_status_codes_conditions_exceptions_inference_and_gaps_preserved": true}

Sources, pinpoints and access limits

Keep the source version, actual read extent and jurisdiction with the proposition. A link or researcher access claim is not a substitute for an operative primary passage.

R008-P1-S001 Saved research record

U.S. House, Office of the Law Revision Counsel; 12 U.S.C. §§ 2602, 2605, RESPA; U.S. federal

Recorded check status: source record reconciled unreopened body holds

Complete literal HTTPS URL(s)
https://uscode.house.gov/us/usc/119-121/t12/s2602/ ; https://uscode.house.gov/us/usc/119-121/t12/s2605/ ; fallback representation: https://www.govinfo.gov/link/uscode/12/2605
Exact substantive read bounds; printed page / PDF index
§ 2602(1), relevant source/editorial notes; § 2605(f), (i), (j)(3), (k)(1), relevant source notes. Transfer and other adjacent text appearing in returned windows was not used to rerun transfer-notice or error-resolution research. House: HTML. GovInfo fallback: selected § 2605(f), (i)–(k), printed pp. 1449–1450 / indices 2–3.
Version, effective predicate, actual check, and limits
Fresh, 2026-10-27. House label: laws in effect through Pub. L. 119-121, October 9, 2026. The fallback PDF’s edition was not established and is not the currentness foundation. No complete session-law audit through October 27. uscode.house.gov +1
Direct source URLs
https://uscode.house.gov/us/usc/119-121/t12/s2602/
https://uscode.house.gov/us/usc/119-121/t12/s2605/
https://www.govinfo.gov/link/uscode/12/2605
https://uscode.house.gov/us/usc/119-121/t12/s2602/?utm_source=chatgpt.com
https://uscode.house.gov/us/usc/119-121/t12/s2605/?utm_source=chatgpt.com
https://www.govinfo.gov/link/uscode/12/2605?utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review note
{"source_id": "R008-P1-S001", "original_literal_import_alias": null, "all_original_cells_read": true, "researcher_record_unchanged": true, "original_literal_URLs_UTM_aliases_preserved": true, "fresh_read_map_entries": [], "selected_body_checks": [], "original_failed_route": false, "status": "Recordreconciled;bodyunreopened_with_original_limits", "all_current_primary_source_accepted": false, "same_regulatory_authority_mirrors_not_independent_corroboration": true, "original_failure_version_pixels_source_currentness_application_holds_retained": true}
R008-P1-S002 Saved research record

U.S. House OLRC; 15 U.S.C. § 1692c, FDCPA § 805; U.S. federal

Recorded check status: source record reconciled unreopened body holds

Complete literal HTTPS URL(s)
https://uscode.house.gov/us/usc/119-121/t15/s1692c/
Exact substantive read bounds; printed page / PDF index
Necessary § 1692c(c) notification, receipt, and exceptions; surrounding section read. HTML; pages/index N/A.
Version, effective predicate, actual check, and limits
Fresh, 2026-10-27. Same October 9, 2026 compilation predicate. Used only for the cease-communication interaction; no general FDCPA coverage or dispute investigation. uscode.house.gov
Direct source URLs
https://uscode.house.gov/us/usc/119-121/t15/s1692c/
https://uscode.house.gov/us/usc/119-121/t15/s1692c/?utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review note
{"source_id": "R008-P1-S002", "original_literal_import_alias": null, "all_original_cells_read": true, "researcher_record_unchanged": true, "original_literal_URLs_UTM_aliases_preserved": true, "fresh_read_map_entries": [], "selected_body_checks": [], "original_failed_route": false, "status": "Recordreconciled;bodyunreopened_with_original_limits", "all_current_primary_source_accepted": false, "same_regulatory_authority_mirrors_not_independent_corroboration": true, "original_failure_version_pixels_source_currentness_application_holds_retained": true}
R008-P1-S003 Saved research record

CFPB regulation, published by OFR/GPO through eCFR; 12 CFR §§ 1024.2, 1024.5; U.S. federal

Recorded check status: source record reconciled unreopened body holds

Complete literal HTTPS URL(s)
https://www.ecfr.gov/current/title-12/chapter-X/part-1024/subpart-A/section-1024.2 ; https://www.ecfr.gov/current/title-12/chapter-X/part-1024/subpart-A/section-1024.5
Exact substantive read bounds; printed page / PDF index
§ 1024.2(a), relevant definitions of business day, federally related mortgage loan, servicer, servicing, State, and associated scope terms; § 1024.5(a)–(d). HTML.
Version, effective predicate, actual check, and limits
Fresh, 2026-10-27; eCFR through 2026-10-23. Selected definitions, not every unrelated settlement definition. No individual product classification. ecfr.gov +1
Direct source URLs
https://www.ecfr.gov/current/title-12/chapter-X/part-1024/subpart-A/section-1024.2
https://www.ecfr.gov/current/title-12/chapter-X/part-1024/subpart-A/section-1024.5
https://www.ecfr.gov/current/title-12/chapter-X/part-1024/subpart-A/section-1024.2?utm_source=chatgpt.com
https://www.ecfr.gov/current/title-12/chapter-X/part-1024/subpart-A/section-1024.5?utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review note
{"source_id": "R008-P1-S003", "original_literal_import_alias": null, "all_original_cells_read": true, "researcher_record_unchanged": true, "original_literal_URLs_UTM_aliases_preserved": true, "fresh_read_map_entries": [], "selected_body_checks": [], "original_failed_route": false, "status": "Recordreconciled;bodyunreopened_with_original_limits", "all_current_primary_source_accepted": false, "same_regulatory_authority_mirrors_not_independent_corroboration": true, "original_failure_version_pixels_source_currentness_application_holds_retained": true}
R008-P1-S004 Saved research record

CFPB/OFR/GPO; 12 CFR §§ 1024.30–1024.32; U.S. federal

Recorded check status: scoped selected primary bodies with limits

Complete literal HTTPS URL(s)
https://www.ecfr.gov/current/title-12/chapter-X/part-1024/subpart-C/section-1024.30 ; https://www.ecfr.gov/current/title-12/chapter-X/part-1024/subpart-C/section-1024.31 ; https://www.ecfr.gov/current/title-12/chapter-X/part-1024/subpart-C/section-1024.32
Exact substantive read bounds; printed page / PDF index
Complete operative scope, definitions, and disclosure/successor provisions in these three sections. HTML.
Version, effective predicate, actual check, and limits
Fresh, 2026-10-27; eCFR through 2026-10-23. Successor amendments’ effective-date predicate addressed in S014. The removed COVID-hardship definition was not imported from the stale agency mirror. ecfr.gov +2
Direct source URLs
https://www.ecfr.gov/current/title-12/chapter-X/part-1024/subpart-C/section-1024.30
https://www.ecfr.gov/current/title-12/chapter-X/part-1024/subpart-C/section-1024.31
https://www.ecfr.gov/current/title-12/chapter-X/part-1024/subpart-C/section-1024.32
https://www.ecfr.gov/current/title-12/chapter-X/part-1024/subpart-C/section-1024.30?utm_source=chatgpt.com
https://www.ecfr.gov/current/title-12/chapter-X/part-1024/subpart-C/section-1024.31?utm_source=chatgpt.com
https://www.ecfr.gov/current/title-12/chapter-X/part-1024/subpart-C/section-1024.32?utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review note
{"source_id": "R008-P1-S004", "original_literal_import_alias": null, "all_original_cells_read": true, "researcher_record_unchanged": true, "original_literal_URLs_UTM_aliases_preserved": true, "fresh_read_map_entries": [{"chunk": 0, "URL": "https://www.ecfr.gov/current/title-12/chapter-X/part-1024/subpart-C/section-1024.30", "packet_character_bounds": [0, 7019], "PDF_page_tags": [], "source_id": "R008-P1-S004", "packet": "[internal evidence reference]", "all_returned_numbered_ranges": [[0, 149]], "actual_numbered_lines_read": [[101, 149]], "failed_access": false, "location_metadata_only_when_empty": false, "PDFpixels": false}, {"chunk": 1, "URL": "https://www.ecfr.gov/current/title-12/chapter-X/part-1024/subpart-C/section-1024.31", "packet_character_bounds": [7099, 14527], "PDF_page_tags": [], "source_id": "R008-P1-S004", "packet": "[internal evidence reference]", "all_returned_numbered_ranges": [[0, 126]], "actual_numbered_lines_read": [[101, 126]], "failed_access": false, "location_metadata_only_when_empty": false, "PDFpixels": false}, {"chunk": 2, "URL": "https://www.ecfr.gov/current/title-12/chapter-X/part-1024/subpart-C/section-1024.32", "packet_character_bounds": [14607, 22158], "PDF_page_tags": [], "source_id": "R008-P1-S004", "packet": "[internal evidence reference]", "all_returned_numbered_ranges": [[0, 114]], "actual_numbered_lines_read": [[101, 114]], "failed_access": false, "location_metadata_only_when_empty": false, "PDFpixels": false}, {"chunk": 0, "URL": "https://www.ecfr.gov/current/title-12/chapter-X/part-1024/subpart-C/section-1024.31", "packet_character_bounds": [0, 2281], "PDF_page_tags": [], "source_id": "R008-P1-S004", "packet": "[internal evidence reference]", "all_returned_numbered_ranges": [[132, 173]], "actual_numbered_lines_read": [], "failed_access": false, "location_metadata_only_when_empty": true, "PDFpixels": false}, {"chunk": 1, "URL": "https://www.ecfr.gov/current/title-12/chapter-X/part-1024/subpart-C/section-1024.32", "packet_character_bounds": [2361, 5356], "PDF_page_tags": [], "source_id": "R008-P1-S004", "packet": "[internal evidence reference]", "all_returned_numbered_ranges": [[122, 157]], "actual_numbered_lines_read": [], "failed_access": false, "location_metadata_only_when_empty": true, "PDFpixels": false}, {"chunk": 0, "URL": "https://www.ecfr.gov/current/title-12/chapter-X/part-1024/subpart-C/section-1024.31", "packet_character_bounds": [0, 4916], "PDF_page_tags": [], "source_id": "R008-P1-S004", "packet": "[internal evidence reference]", "all_returned_numbered_ranges": [[110, 173]], "actual_numbered_lines_read": [[127, 142]], "failed_access": false, "location_metadata_only_when_empty": false, "PDFpixels": false}, {"chunk": 1, "URL": "https://www.ecfr.gov/current/title-12/chapter-X/part-1024/subpart-C/section-1024.32", "packet_character_bounds": [4996, 11326], "PDF_page_tags": [], "source_id": "R008-P1-S004", "packet": "[internal evidence reference]", "all_returned_numbered_ranges": [[107, 157]], "actual_numbered_lines_read": [[109, 126]], "failed_access": false, "location_metadata_only_when_empty": false, "PDFpixels": false}], "selected_body_checks": [{"source_id": "R008-P1-S004", "evidence_URL": "https://www.ecfr.gov/current/title-12/chapter-X/part-1024/subpart-C/section-1024.30", "line_range": [101, 118], "scope": "Completeoperative scope/exclusions/smallservicerresidual/principalresidence/confirmed successor, notactualloanoractorclassification", "evidence": [{"source_id": "R008-P1-S004", "actual_URL": "https://www.ecfr.gov/current/title-12/chapter-X/part-1024/subpart-C/section-1024.30", "packet": "[internal evidence reference]", "chunk": 0, "actual_numbered_lines": [[101, 118]], "packet_character_bounds": [0, 7019]}], "fresh_PDFpixels": false}, {"source_id": "R008-P1-S004", "evidence_URL": "https://www.ecfr.gov/current/title-12/chapter-X/part-1024/subpart-C/section-1024.31", "line_range": [101, 142], "scope": "Completeoperative definitions/calendar/delinquency/oralwrittenapplication/closedend/successor5categories; deletedCOVIDdefinitionnotrestored", "evidence": [{"source_id": "R008-P1-S004", "actual_URL": "https://www.ecfr.gov/current/title-12/chapter-X/part-1024/subpart-C/section-1024.31", "packet": "[internal evidence reference]", "chunk": 1, "actual_numbered_lines": [[101, 126]], "packet_character_bounds": [7099, 14527]}, {"source_id": "R008-P1-S004", "actual_URL": "https://www.ecfr.gov/current/title-12/chapter-X/part-1024/subpart-C/section-1024.31", "packet": "[internal evidence reference]", "chunk": 0, "actual_numbered_lines": [[127, 142]], "packet_character_bounds": [0, 4916]}], "fresh_PDFpixels": false}, {"source_id": "R008-P1-S004", "evidence_URL": "https://www.ecfr.gov/current/title-12/chapter-X/part-1024/subpart-C/section-1024.32", "line_range": [101, 126], "scope": "Completeoperative clearretainablewriting/consent/optionalackcommunicationslist excluding41 andotherborrowerduplicates; notactualnoticemethodcompliance", "evidence": [{"source_id": "R008-P1-S004", "actual_URL": "https://www.ecfr.gov/current/title-12/chapter-X/part-1024/subpart-C/section-1024.32", "packet": "[internal evidence reference]", "chunk": 2, "actual_numbered_lines": [[101, 114]], "packet_character_bounds": [14607, 22158]}, {"source_id": "R008-P1-S004", "actual_URL": "https://www.ecfr.gov/current/title-12/chapter-X/part-1024/subpart-C/section-1024.32", "packet": "[internal evidence reference]", "chunk": 1, "actual_numbered_lines": [[109, 126]], "packet_character_bounds": [4996, 11326]}], "fresh_PDFpixels": false}], "original_failed_route": false, "status": "Selectedcompletecurrentoperativeclauses_or_bounded_comment_historicalannualverification", "all_current_primary_source_accepted": false, "same_regulatory_authority_mirrors_not_independent_corroboration": true, "original_failure_version_pixels_source_currentness_application_holds_retained": true}
R008-P1-S005 Saved research record

CFPB/OFR/GPO; 12 CFR § 1024.39, Early intervention requirements; U.S. federal

Recorded check status: scoped selected primary bodies with limits

Complete literal HTTPS URL(s)
https://www.ecfr.gov/current/title-12/chapter-X/part-1024/subpart-C/section-1024.39 ; https://www.govinfo.gov/content/pkg/CFR-2026-title12-vol8/pdf/CFR-2026-title12-vol8-sec1024-39.pdf
Exact substantive read bounds; printed page / PDF index
Complete current § 1024.39(a)–(d). Annual CFR: printed 718–719 / indices 0–1, operative section through amendment credit.
Version, effective predicate, actual check, and limits
Fresh, 2026-10-27. eCFR through October 23; annual edition January 1, 2026. § 1024.39(e) is absent from these operative versions. PDF text read; pixels not inspected. ecfr.gov +1
Direct source URLs
https://www.ecfr.gov/current/title-12/chapter-X/part-1024/subpart-C/section-1024.39
https://www.govinfo.gov/content/pkg/CFR-2026-title12-vol8/pdf/CFR-2026-title12-vol8-sec1024-39.pdf
https://www.ecfr.gov/current/title-12/chapter-X/part-1024/subpart-C/section-1024.39?utm_source=chatgpt.com
https://www.govinfo.gov/content/pkg/CFR-2026-title12-vol8/pdf/CFR-2026-title12-vol8-sec1024-39.pdf?utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review note
{"source_id": "R008-P1-S005", "original_literal_import_alias": null, "all_original_cells_read": true, "researcher_record_unchanged": true, "original_literal_URLs_UTM_aliases_preserved": true, "fresh_read_map_entries": [{"chunk": 0, "URL": "https://www.govinfo.gov/content/pkg/CFR-2026-title12-vol8/pdf/CFR-2026-title12-vol8-sec1024-39.pdf", "packet_character_bounds": [0, 3665], "PDF_page_tags": ["P0"], "source_id": "R008-P1-S005", "packet": "[internal evidence reference]", "all_returned_numbered_ranges": [[0, 59]], "actual_numbered_lines_read": [[0, 59]], "failed_access": false, "location_metadata_only_when_empty": false, "PDFpixels": false}, {"chunk": 3, "URL": "https://www.ecfr.gov/current/title-12/chapter-X/part-1024/subpart-C/section-1024.39", "packet_character_bounds": [11101, 14658], "PDF_page_tags": [], "source_id": "R008-P1-S005", "packet": "[internal evidence reference]", "all_returned_numbered_ranges": [[0, 77]], "actual_numbered_lines_read": [], "failed_access": false, "location_metadata_only_when_empty": true, "PDFpixels": false}, {"chunk": 0, "URL": "https://www.ecfr.gov/current/title-12/chapter-X/part-1024/subpart-C/section-1024.39", "packet_character_bounds": [0, 868], "PDF_page_tags": [], "source_id": "R008-P1-S005", "packet": "[internal evidence reference]", "all_returned_numbered_ranges": [[140, 143]], "actual_numbered_lines_read": [], "failed_access": false, "location_metadata_only_when_empty": true, "PDFpixels": false}, {"chunk": 1, "URL": "https://www.ecfr.gov/current/title-12/chapter-X/part-1024/subpart-C/section-1024.39", "packet_character_bounds": [21342, 32692], "PDF_page_tags": [], "source_id": "R008-P1-S005", "packet": "[internal evidence reference]", "all_returned_numbered_ranges": [[56, 186]], "actual_numbered_lines_read": [[56, 186]], "failed_access": false, "location_metadata_only_when_empty": false, "PDFpixels": false}, {"chunk": 4, "URL": "https://www.govinfo.gov/content/pkg/CFR-2026-title12-vol8/pdf/CFR-2026-title12-vol8-sec1024-39.pdf", "packet_character_bounds": [27176, 32319], "PDF_page_tags": ["P1"], "source_id": "R008-P1-S005", "packet": "[internal evidence reference]", "all_returned_numbered_ranges": [[100, 192]], "actual_numbered_lines_read": [[100, 192]], "failed_access": false, "location_metadata_only_when_empty": false, "PDFpixels": false}], "selected_body_checks": [{"source_id": "R008-P1-S005", "evidence_URL": "https://www.ecfr.gov/current/title-12/chapter-X/part-1024/subpart-C/section-1024.39", "line_range": [101, 155], "scope": "Completeoperativea-d live36/written45/180,bankruptcy/FDCPApartialexemptions/resumption/190branch; eabsent", "evidence": [{"source_id": "R008-P1-S005", "actual_URL": "https://www.ecfr.gov/current/title-12/chapter-X/part-1024/subpart-C/section-1024.39", "packet": "[internal evidence reference]", "chunk": 1, "actual_numbered_lines": [[101, 155]], "packet_character_bounds": [21342, 32692]}], "fresh_PDFpixels": false}, {"source_id": "R008-P1-S005", "evidence_URL": "https://www.ecfr.gov/current/title-12/chapter-X/part-1024/subpart-C/section-1024.39", "line_range": [67, 69], "scope": "Freshdisplay authoritativebutunofficial/Title12uptodate10-26lastamended10-23 distinctfromoriginal10-23display", "evidence": [{"source_id": "R008-P1-S005", "actual_URL": "https://www.ecfr.gov/current/title-12/chapter-X/part-1024/subpart-C/section-1024.39", "packet": "[internal evidence reference]", "chunk": 1, "actual_numbered_lines": [[67, 69]], "packet_character_bounds": [21342, 32692]}], "fresh_PDFpixels": false}, {"source_id": "R008-P1-S005", "evidence_URL": "https://www.govinfo.gov/content/pkg/CFR-2026-title12-vol8/pdf/CFR-2026-title12-vol8-sec1024-39.pdf", "line_range": [0, 59], "scope": "2026annualeditionheader andselecteda-b/bodybeginningc; notwholeannualtwo-pagebody", "evidence": [{"source_id": "R008-P1-S005", "actual_URL": "https://www.govinfo.gov/content/pkg/CFR-2026-title12-vol8/pdf/CFR-2026-title12-vol8-sec1024-39.pdf", "packet": "[internal evidence reference]", "chunk": 0, "actual_numbered_lines": [[0, 59]], "packet_character_bounds": [0, 3665]}], "fresh_PDFpixels": false}, {"source_id": "R008-P1-S005", "evidence_URL": "https://www.govinfo.gov/content/pkg/CFR-2026-title12-vol8/pdf/CFR-2026-title12-vol8-sec1024-39.pdf", "line_range": [100, 178], "scope": "2026annualselectedc2andcompleteFDCPAdendingamendmentcredit/next40heading; no39e inthatcodifiedsectionend", "evidence": [{"source_id": "R008-P1-S005", "actual_URL": "https://www.govinfo.gov/content/pkg/CFR-2026-title12-vol8/pdf/CFR-2026-title12-vol8-sec1024-39.pdf", "packet": "[internal evidence reference]", "chunk": 4, "actual_numbered_lines": [[100, 178]], "packet_character_bounds": [27176, 32319]}], "fresh_PDFpixels": false}], "original_failed_route": false, "status": "Selectedcompletecurrentoperativeclauses_or_bounded_comment_historicalannualverification", "all_current_primary_source_accepted": false, "same_regulatory_authority_mirrors_not_independent_corroboration": true, "original_failure_version_pixels_source_currentness_application_holds_retained": true}
R008-P1-S006 Saved research record

CFPB/OFR/GPO; 12 CFR § 1024.41, Loss mitigation procedures; U.S. federal

Recorded check status: scoped selected primary bodies with limits

Complete literal HTTPS URL(s)
https://www.ecfr.gov/current/title-12/chapter-X/part-1024/subpart-C/section-1024.41 ; https://www.govinfo.gov/content/pkg/CFR-2026-title12-vol8/pdf/CFR-2026-title12-vol8-sec1024-41.pdf
Exact substantive read bounds; printed page / PDF index
Complete operative § 1024.41(a)–(k) in eCFR; annual CFR body compared across printed 720–727 / indices 0–7. Adjacent settlement-form text on the last PDF page was not used.
Version, effective predicate, actual check, and limits
Fresh, 2026-10-27. eCFR through October 23; annual edition January 1, 2026. Retains (c)(2)(v); omits former (c)(2)(vi) and (f)(3). PDF comparison was text, not pixels. ecfr.gov +4
Direct source URLs
https://www.ecfr.gov/current/title-12/chapter-X/part-1024/subpart-C/section-1024.41
https://www.govinfo.gov/content/pkg/CFR-2026-title12-vol8/pdf/CFR-2026-title12-vol8-sec1024-41.pdf
https://www.govinfo.gov/content/pkg/CFR-2026-title12-vol8/pdf/CFR-2026-title12-vol8-sec1024-41.pdf?utm_source=chatgpt.com
https://www.ecfr.gov/current/title-12/chapter-X/part-1024/section-1024.41?utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review note
{"source_id": "R008-P1-S006", "original_literal_import_alias": null, "all_original_cells_read": true, "researcher_record_unchanged": true, "original_literal_URLs_UTM_aliases_preserved": true, "fresh_read_map_entries": [{"chunk": 1, "URL": "https://www.govinfo.gov/content/pkg/CFR-2026-title12-vol8/pdf/CFR-2026-title12-vol8-sec1024-41.pdf", "packet_character_bounds": [3745, 7241], "PDF_page_tags": ["P0"], "source_id": "R008-P1-S006", "packet": "[internal evidence reference]", "all_returned_numbered_ranges": [[0, 53]], "actual_numbered_lines_read": [[0, 53]], "failed_access": false, "location_metadata_only_when_empty": false, "PDFpixels": false}, {"chunk": 4, "URL": "https://www.ecfr.gov/current/title-12/chapter-X/part-1024/subpart-C/section-1024.41", "packet_character_bounds": [14738, 18268], "PDF_page_tags": [], "source_id": "R008-P1-S006", "packet": "[internal evidence reference]", "all_returned_numbered_ranges": [[0, 77]], "actual_numbered_lines_read": [], "failed_access": false, "location_metadata_only_when_empty": true, "PDFpixels": false}, {"chunk": 1, "URL": "https://www.ecfr.gov/current/title-12/chapter-X/part-1024/subpart-C/section-1024.41", "packet_character_bounds": [948, 1803], "PDF_page_tags": [], "source_id": "R008-P1-S006", "packet": "[internal evidence reference]", "all_returned_numbered_ranges": [[135, 136]], "actual_numbered_lines_read": [], "failed_access": false, "location_metadata_only_when_empty": true, "PDFpixels": false}, {"chunk": 2, "URL": "https://www.ecfr.gov/current/title-12/chapter-X/part-1024/subpart-C/section-1024.41", "packet_character_bounds": [1883, 2887], "PDF_page_tags": [], "source_id": "R008-P1-S006", "packet": "[internal evidence reference]", "all_returned_numbered_ranges": [[190, 193]], "actual_numbered_lines_read": [], "failed_access": false, "location_metadata_only_when_empty": true, "PDFpixels": false}, {"chunk": 3, "URL": "https://www.ecfr.gov/current/title-12/chapter-X/part-1024/subpart-C/section-1024.41", "packet_character_bounds": [2967, 3937], "PDF_page_tags": [], "source_id": "R008-P1-S006", "packet": "[internal evidence reference]", "all_returned_numbered_ranges": [[245, 246]], "actual_numbered_lines_read": [], "failed_access": false, "location_metadata_only_when_empty": true, "PDFpixels": false}, {"chunk": 0, "URL": "https://www.ecfr.gov/current/title-12/chapter-X/part-1024/subpart-C/section-1024.41", "packet_character_bounds": [0, 21262], "PDF_page_tags": [], "source_id": "R008-P1-S006", "packet": "[internal evidence reference]", "all_returned_numbered_ranges": [[33, 192]], "actual_numbered_lines_read": [[101, 192]], "failed_access": false, "location_metadata_only_when_empty": false, "PDFpixels": false}, {"chunk": 0, "URL": "https://www.ecfr.gov/current/title-12/chapter-X/part-1024/subpart-C/section-1024.41", "packet_character_bounds": [0, 5839], "PDF_page_tags": [], "source_id": "R008-P1-S006", "packet": "[internal evidence reference]", "all_returned_numbered_ranges": [[226, 247]], "actual_numbered_lines_read": [], "failed_access": false, "location_metadata_only_when_empty": true, "PDFpixels": false}, {"chunk": 1, "URL": "https://www.govinfo.gov/content/pkg/CFR-2026-title12-vol8/pdf/CFR-2026-title12-vol8-sec1024-41.pdf", "packet_character_bounds": [5919, 12314], "PDF_page_tags": ["P4", "P4-5", "P5"], "source_id": "R008-P1-S006", "packet": "[internal evidence reference]", "all_returned_numbered_ranges": [[369, 482]], "actual_numbered_lines_read": [[369, 482]], "failed_access": false, "location_metadata_only_when_empty": false, "PDFpixels": false}, {"chunk": 0, "URL": "https://www.ecfr.gov/current/title-12/chapter-X/part-1024/subpart-C/section-1024.41", "packet_character_bounds": [0, 22099], "PDF_page_tags": [], "source_id": "R008-P1-S006", "packet": "[internal evidence reference]", "all_returned_numbered_ranges": [[142, 281]], "actual_numbered_lines_read": [[193, 250]], "failed_access": false, "location_metadata_only_when_empty": false, "PDFpixels": false}, {"chunk": 1, "URL": "https://www.ecfr.gov/current/title-12/chapter-X/part-1024/subpart-C/section-1024.41", "packet_character_bounds": [22179, 33773], "PDF_page_tags": [], "source_id": "R008-P1-S006", "packet": "[internal evidence reference]", "all_returned_numbered_ranges": [[206, 281]], "actual_numbered_lines_read": [], "failed_access": false, "location_metadata_only_when_empty": true, "PDFpixels": false}], "selected_body_checks": [{"source_id": "R008-P1-S006", "evidence_URL": "https://www.ecfr.gov/current/title-12/chapter-X/part-1024/subpart-C/section-1024.41", "line_range": [101, 136], "scope": "Operativea-c2iv: nooptionguarantee;ack>=45andfiveexcluded;eval>37/30;anti-evasion/incomplete/shorttermperforming/facial-relationback", "evidence": [{"source_id": "R008-P1-S006", "actual_URL": "https://www.ecfr.gov/current/title-12/chapter-X/part-1024/subpart-C/section-1024.41", "packet": "[internal evidence reference]", "chunk": 0, "actual_numbered_lines": [[101, 136]], "packet_character_bounds": [0, 21262]}], "fresh_PDFpixels": false}, {"source_id": "R008-P1-S006", "evidence_URL": "https://www.ecfr.gov/current/title-12/chapter-X/part-1024/subpart-C/section-1024.41", "line_range": [137, 185], "scope": "Operative retainedc2v/nodeferredinterestfees/acceptancecure;completenoticefiveexcluded/exceptions;outsideinformationinternalversustrueexternaldelay/notice/diligence/narrowdenial", "evidence": [{"source_id": "R008-P1-S006", "actual_URL": "https://www.ecfr.gov/current/title-12/chapter-X/part-1024/subpart-C/section-1024.41", "packet": "[internal evidence reference]", "chunk": 0, "actual_numbered_lines": [[137, 185]], "packet_character_bounds": [0, 21262]}], "fresh_PDFpixels": false}, {"source_id": "R008-P1-S006", "evidence_URL": "https://www.ecfr.gov/current/title-12/chapter-X/part-1024/subpart-C/section-1024.41", "line_range": [186, 225], "scope": "Operatived-i reasons/offer>=90and14/<90>37and7/appealextension/f1>120exceptions/f2pre-firstfiling/gpost-firstfiling>37/releasealternatives/h14-30-14/noautomaticwriting/repeatcontinuousdelinquency", "evidence": [{"source_id": "R008-P1-S006", "actual_URL": "https://www.ecfr.gov/current/title-12/chapter-X/part-1024/subpart-C/section-1024.41", "packet": "[internal evidence reference]", "chunk": 0, "actual_numbered_lines": [[186, 192]], "packet_character_bounds": [0, 21262]}, {"source_id": "R008-P1-S006", "actual_URL": "https://www.ecfr.gov/current/title-12/chapter-X/part-1024/subpart-C/section-1024.41", "packet": "[internal evidence reference]", "chunk": 0, "actual_numbered_lines": [[193, 225]], "packet_character_bounds": [0, 22099]}], "fresh_PDFpixels": false}, {"source_id": "R008-P1-S006", "evidence_URL": "https://www.ecfr.gov/current/title-12/chapter-X/part-1024/subpart-C/section-1024.41", "line_range": [226, 250], "scope": "Operativej-k residualsmallservicerperformance/transferpreservedpendingrights/10excludedack/late37orfewerreasonabledateexception/30review/later-ofappeal/unexpiredofferbalance andamendmentcredit", "evidence": [{"source_id": "R008-P1-S006", "actual_URL": "https://www.ecfr.gov/current/title-12/chapter-X/part-1024/subpart-C/section-1024.41", "packet": "[internal evidence reference]", "chunk": 0, "actual_numbered_lines": [[226, 250]], "packet_character_bounds": [0, 22099]}], "fresh_PDFpixels": false}, {"source_id": "R008-P1-S006", "evidence_URL": "https://www.govinfo.gov/content/pkg/CFR-2026-title12-vol8/pdf/CFR-2026-title12-vol8-sec1024-41.pdf", "line_range": [0, 1], "scope": "2026annualeditionheaderprinted720; sourceURLnotendofupdatelagreview", "evidence": [{"source_id": "R008-P1-S006", "actual_URL": "https://www.govinfo.gov/content/pkg/CFR-2026-title12-vol8/pdf/CFR-2026-title12-vol8-sec1024-41.pdf", "packet": "[internal evidence reference]", "chunk": 1, "actual_numbered_lines": [[0, 1]], "packet_character_bounds": [3745, 7241]}], "fresh_PDFpixels": false}, {"source_id": "R008-P1-S006", "evidence_URL": "https://www.govinfo.gov/content/pkg/CFR-2026-title12-vol8/pdf/CFR-2026-title12-vol8-sec1024-41.pdf", "line_range": [402, 482], "scope": "2026annualselectedf/g/hmatching>120/>37/appeal gates andnoformerf3betweenf2/g; notwhole8pagefreshreview", "evidence": [{"source_id": "R008-P1-S006", "actual_URL": "https://www.govinfo.gov/content/pkg/CFR-2026-title12-vol8/pdf/CFR-2026-title12-vol8-sec1024-41.pdf", "packet": "[internal evidence reference]", "chunk": 1, "actual_numbered_lines": [[402, 482]], "packet_character_bounds": [5919, 12314]}], "fresh_PDFpixels": false}], "original_failed_route": false, "status": "Selectedcompletecurrentoperativeclauses_or_bounded_comment_historicalannualverification", "all_current_primary_source_accepted": false, "same_regulatory_authority_mirrors_not_independent_corroboration": true, "original_failure_version_pixels_source_currentness_application_holds_retained": true}
R008-P1-S007 Saved research record

CFPB/OFR/GPO; Supplement I to Part 1024, Official Bureau Interpretations; U.S. federal

Recorded check status: scoped selected primary bodies with limits

Complete literal HTTPS URL(s)
https://www.ecfr.gov/current/title-12/chapter-X/part-1024/appendix-Supplement%20I%20to%20Part%201024
Exact substantive read bounds; printed page / PDF index
Comment 5(c)(1)-1; necessary comments to §§ 30–32; § 38 successor, evaluation, counsel, and transfer comments; complete relevant § 39 and § 41 commentary, including 41(f)-1.i–iv, 41(g)-1–5, 41(i)-1–2, and 41(k) branches. HTML.
Version, effective predicate, actual check, and limits
Fresh, 2026-10-27; eCFR through 2026-10-23. These are codified official interpretations, distinguished from statutory text and freestanding guidance. Unrelated escrow/insurance commentary in overlapping returned windows was not a foundation. ecfr.gov +6
Direct source URLs
https://www.ecfr.gov/current/title-12/chapter-X/part-1024/appendix-Supplement%20I%20to%20Part%201024
https://www.ecfr.gov/current/title-12/chapter-X/part-1024/appendix-Supplement%20I%20to%20Part%201024?utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review note
{"source_id": "R008-P1-S007", "original_literal_import_alias": null, "all_original_cells_read": true, "researcher_record_unchanged": true, "original_literal_URLs_UTM_aliases_preserved": true, "fresh_read_map_entries": [{"chunk": 3, "URL": "https://www.ecfr.gov/current/title-12/chapter-X/part-1024/appendix-Supplement%20I%20to%20Part%201024", "packet_character_bounds": [22238, 29895], "PDF_page_tags": [], "source_id": "R008-P1-S007", "packet": "[internal evidence reference]", "all_returned_numbered_ranges": [[0, 114]], "actual_numbered_lines_read": [], "failed_access": false, "location_metadata_only_when_empty": true, "PDFpixels": false}, {"chunk": 3, "URL": "https://www.ecfr.gov/current/title-12/chapter-X/part-1024/appendix-Supplement%20I%20to%20Part%201024", "packet_character_bounds": [8775, 16282], "PDF_page_tags": [], "source_id": "R008-P1-S007", "packet": "[internal evidence reference]", "all_returned_numbered_ranges": [[780, 790], [810, 820], [882, 888]], "actual_numbered_lines_read": [[780, 790], [810, 820], [882, 888]], "failed_access": false, "location_metadata_only_when_empty": false, "PDFpixels": false}, {"chunk": 4, "URL": "https://www.ecfr.gov/current/title-12/chapter-X/part-1024/appendix-Supplement%20I%20to%20Part%201024", "packet_character_bounds": [16362, 31204], "PDF_page_tags": [], "source_id": "R008-P1-S007", "packet": "[internal evidence reference]", "all_returned_numbered_ranges": [[615, 618], [620, 623], [678, 678], [702, 734], [759, 759], [868, 899]], "actual_numbered_lines_read": [[702, 734]], "failed_access": false, "location_metadata_only_when_empty": false, "PDFpixels": false}, {"chunk": 2, "URL": "https://www.ecfr.gov/current/title-12/chapter-X/part-1024/appendix-Supplement%20I%20to%20Part%201024", "packet_character_bounds": [11406, 19440], "PDF_page_tags": [], "source_id": "R008-P1-S007", "packet": "[internal evidence reference]", "all_returned_numbered_ranges": [[720, 758]], "actual_numbered_lines_read": [[720, 758]], "failed_access": false, "location_metadata_only_when_empty": false, "PDFpixels": false}, {"chunk": 3, "URL": "https://www.ecfr.gov/current/title-12/chapter-X/part-1024/appendix-Supplement%20I%20to%20Part%201024", "packet_character_bounds": [19520, 27096], "PDF_page_tags": [], "source_id": "R008-P1-S007", "packet": "[internal evidence reference]", "all_returned_numbered_ranges": [[829, 863]], "actual_numbered_lines_read": [[829, 863]], "failed_access": false, "location_metadata_only_when_empty": false, "PDFpixels": false}, {"chunk": 0, "URL": "https://www.ecfr.gov/current/title-12/chapter-X/part-1024/appendix-Supplement%20I%20to%20Part%201024", "packet_character_bounds": [0, 36810], "PDF_page_tags": [], "source_id": "R008-P1-S007", "packet": "[internal evidence reference]", "all_returned_numbered_ranges": [[773, 930]], "actual_numbered_lines_read": [[820, 849]], "failed_access": false, "location_metadata_only_when_empty": false, "PDFpixels": false}], "selected_body_checks": [{"source_id": "R008-P1-S007", "evidence_URL": "https://www.ecfr.gov/current/title-12/chapter-X/part-1024/appendix-Supplement%20I%20to%20Part%201024", "line_range": [702, 734], "scope": "Noscheduledsaleack45/noticecorrection,reasonable30/min7/earlieststale120-90-38milestones,receipt-snapshot/nosale>90/protectionspersistscheduling; noactualcalendar", "evidence": [{"source_id": "R008-P1-S007", "actual_URL": "https://www.ecfr.gov/current/title-12/chapter-X/part-1024/appendix-Supplement%20I%20to%20Part%201024", "packet": "[internal evidence reference]", "chunk": 4, "actual_numbered_lines": [[702, 734]], "packet_character_bounds": [16362, 31204]}, {"source_id": "R008-P1-S007", "actual_URL": "https://www.ecfr.gov/current/title-12/chapter-X/part-1024/appendix-Supplement%20I%20to%20Part%201024", "packet": "[internal evidence reference]", "chunk": 2, "actual_numbered_lines": [[720, 734]], "packet_character_bounds": [11406, 19440]}], "fresh_PDFpixels": false}, {"source_id": "R008-P1-S007", "evidence_URL": "https://www.ecfr.gov/current/title-12/chapter-X/part-1024/appendix-Supplement%20I%20to%20Part%201024", "line_range": [735, 758], "scope": "Owner-specificavailableoptions/incompleteofferwithoutinformationevaluation/significantcontext/forbearance<=6months; remainingrepaymentdefinitionnotfreshlyread", "evidence": [{"source_id": "R008-P1-S007", "actual_URL": "https://www.ecfr.gov/current/title-12/chapter-X/part-1024/appendix-Supplement%20I%20to%20Part%201024", "packet": "[internal evidence reference]", "chunk": 2, "actual_numbered_lines": [[735, 758]], "packet_character_bounds": [11406, 19440]}], "fresh_PDFpixels": false}, {"source_id": "R008-P1-S007", "evidence_URL": "https://www.ecfr.gov/current/title-12/chapter-X/part-1024/appendix-Supplement%20I%20to%20Part%201024", "line_range": [812, 820], "scope": "Complete41f-1 State-dependentjudicial/nonjudicialrecordpublish/earliestsetting/attachment distinction", "evidence": [{"source_id": "R008-P1-S007", "actual_URL": "https://www.ecfr.gov/current/title-12/chapter-X/part-1024/appendix-Supplement%20I%20to%20Part%201024", "packet": "[internal evidence reference]", "chunk": 3, "actual_numbered_lines": [[812, 820]], "packet_character_bounds": [8775, 16282]}, {"source_id": "R008-P1-S007", "actual_URL": "https://www.ecfr.gov/current/title-12/chapter-X/part-1024/appendix-Supplement%20I%20to%20Part%201024", "packet": "[internal evidence reference]", "chunk": 0, "actual_numbered_lines": [[820, 820]], "packet_character_bounds": [0, 36810]}], "fresh_PDFpixels": false}, {"source_id": "R008-P1-S007", "evidence_URL": "https://www.ecfr.gov/current/title-12/chapter-X/part-1024/appendix-Supplement%20I%20to%20Part%201024", "line_range": [820, 849], "scope": "41gdispositivemotion/reasonablesteps/counsel/intermediatepermittedsteps/notadminsaleescape/shortsaleperformance/hreviewer/i same-servicer-cure-newdelinquency; noactualcourtstay", "evidence": [{"source_id": "R008-P1-S007", "actual_URL": "https://www.ecfr.gov/current/title-12/chapter-X/part-1024/appendix-Supplement%20I%20to%20Part%201024", "packet": "[internal evidence reference]", "chunk": 3, "actual_numbered_lines": [[820, 820]], "packet_character_bounds": [8775, 16282]}, {"source_id": "R008-P1-S007", "actual_URL": "https://www.ecfr.gov/current/title-12/chapter-X/part-1024/appendix-Supplement%20I%20to%20Part%201024", "packet": "[internal evidence reference]", "chunk": 3, "actual_numbered_lines": [[829, 849]], "packet_character_bounds": [19520, 27096]}, {"source_id": "R008-P1-S007", "actual_URL": "https://www.ecfr.gov/current/title-12/chapter-X/part-1024/appendix-Supplement%20I%20to%20Part%201024", "packet": "[internal evidence reference]", "chunk": 0, "actual_numbered_lines": [[820, 849]], "packet_character_bounds": [0, 36810]}], "fresh_PDFpixels": false}, {"source_id": "R008-P1-S007", "evidence_URL": "https://www.ecfr.gov/current/title-12/chapter-X/part-1024/appendix-Supplement%20I%20to%20Part%201024", "line_range": [850, 863], "scope": "Pendingtransferdefinition/oldreviewnotautomaticallyresolved/otherwiseexemptapplicationtransferdatereceipt/diligence", "evidence": [{"source_id": "R008-P1-S007", "actual_URL": "https://www.ecfr.gov/current/title-12/chapter-X/part-1024/appendix-Supplement%20I%20to%20Part%201024", "packet": "[internal evidence reference]", "chunk": 3, "actual_numbered_lines": [[850, 863]], "packet_character_bounds": [19520, 27096]}], "fresh_PDFpixels": false}, {"source_id": "R008-P1-S007", "evidence_URL": "https://www.ecfr.gov/current/title-12/chapter-X/part-1024/appendix-Supplement%20I%20to%20Part%201024", "line_range": [882, 888], "scope": "Transferlatecompletion37orfewer preservesc-d-g/doesnotremoveexistingappeal120/remainingmilestoneboundary; publishedregexample notnewcalendar", "evidence": [{"source_id": "R008-P1-S007", "actual_URL": "https://www.ecfr.gov/current/title-12/chapter-X/part-1024/appendix-Supplement%20I%20to%20Part%201024", "packet": "[internal evidence reference]", "chunk": 3, "actual_numbered_lines": [[882, 888]], "packet_character_bounds": [8775, 16282]}], "fresh_PDFpixels": false}], "original_failed_route": false, "status": "Selectedcompletecurrentoperativeclauses_or_bounded_comment_historicalannualverification", "all_current_primary_source_accepted": false, "same_regulatory_authority_mirrors_not_independent_corroboration": true, "original_failure_version_pixels_source_currentness_application_holds_retained": true}
R008-P1-S008 Saved research record

CFPB/OFR/GPO; necessary adjacent 12 CFR §§ 1024.38, 1024.40; U.S. federal

Recorded check status: source record reconciled unreopened body holds

Complete literal HTTPS URL(s)
https://www.ecfr.gov/current/title-12/chapter-X/part-1024/subpart-C/section-1024.38 ; https://www.ecfr.gov/current/title-12/chapter-X/part-1024/subpart-C/section-1024.40
Exact substantive read bounds; printed page / PDF index
§ 38(a), (b)(1)(vi), (b)(2)–(4); § 40(a)–(b), only as needed for successor confirmation, investor requirements, transfer information, and the contact referenced in § 39. HTML.
Version, effective predicate, actual check, and limits
Fresh, 2026-10-27; eCFR through 2026-10-23. No separate records-access, error-resolution, or private-enforcement conclusion. ecfr.gov +1
Direct source URLs
https://www.ecfr.gov/current/title-12/chapter-X/part-1024/subpart-C/section-1024.38
https://www.ecfr.gov/current/title-12/chapter-X/part-1024/subpart-C/section-1024.40
https://www.ecfr.gov/current/title-12/chapter-X/part-1024/subpart-C/section-1024.38?utm_source=chatgpt.com
https://www.ecfr.gov/current/title-12/chapter-X/part-1024/subpart-C/section-1024.40?utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review note
{"source_id": "R008-P1-S008", "original_literal_import_alias": null, "all_original_cells_read": true, "researcher_record_unchanged": true, "original_literal_URLs_UTM_aliases_preserved": true, "fresh_read_map_entries": [], "selected_body_checks": [], "original_failed_route": false, "status": "Recordreconciled;bodyunreopened_with_original_limits", "all_current_primary_source_accepted": false, "same_regulatory_authority_mirrors_not_independent_corroboration": true, "original_failure_version_pixels_source_currentness_application_holds_retained": true}
R008-P1-S009 Saved research record

CFPB/OFR/GPO; 12 CFR § 1026.41(e)(4) and official interpretation; U.S. federal

Recorded check status: source record reconciled unreopened body holds

Complete literal HTTPS URL(s)
https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-E/section-1026.41 ; https://www.consumerfinance.gov/rules-policy/regulations/1026/interp-41/
Exact substantive read bounds; printed page / PDF index
§ 41(a)(1), complete (e)(4); comments 41(e)(4)(ii)-1–4 and (iii)-1–5. HTML.
Version, effective predicate, actual check, and limits
Fresh, 2026-10-27. eCFR through October 23; agency commentary displayed current version, but a complete independent Regulation Z amendment history was not audited. Other periodic-statement exemptions were not imported into Regulation X. ecfr.gov +2
Direct source URLs
https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-E/section-1026.41
https://www.consumerfinance.gov/rules-policy/regulations/1026/interp-41/
https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-E/section-1026.41?utm_source=chatgpt.com
https://www.consumerfinance.gov/rules-policy/regulations/1026/interp-41/?utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review note
{"source_id": "R008-P1-S009", "original_literal_import_alias": null, "all_original_cells_read": true, "researcher_record_unchanged": true, "original_literal_URLs_UTM_aliases_preserved": true, "fresh_read_map_entries": [], "selected_body_checks": [], "original_failed_route": false, "status": "Recordreconciled;bodyunreopened_with_original_limits", "all_current_primary_source_accepted": false, "same_regulatory_authority_mirrors_not_independent_corroboration": true, "original_failure_version_pixels_source_currentness_application_holds_retained": true}
R008-P1-S010 Saved research record

CFPB/OFR/GPO; cross-referenced Regulation Z scope definitions; U.S. federal

Recorded check status: source record reconciled unreopened body holds

Complete literal HTTPS URL(s)
https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-A/section-1026.3 ; https://www.consumerfinance.gov/rules-policy/regulations/1026/interp-3/ ; https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-E/section-1026.33 ; https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-E/section-1026.36
Exact substantive read bounds; printed page / PDF index
§ 3(a)(1), comments 3(a)-1, -3–6, -8 as relevant to purpose; § 33(a) reverse-mortgage definition; § 36(a)(5) seller-financer criteria. HTML.
Version, effective predicate, actual check, and limits
Fresh, 2026-10-27. Current eCFR display through October 23; agency commentary current-label limitation retained. No ability-to-repay, origination, or seller-financer determination. ecfr.gov +3
Direct source URLs
https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-A/section-1026.3
https://www.consumerfinance.gov/rules-policy/regulations/1026/interp-3/
https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-E/section-1026.33
https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-E/section-1026.36
https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-A/section-1026.3?utm_source=chatgpt.com
https://www.consumerfinance.gov/rules-policy/regulations/1026/interp-3/?utm_source=chatgpt.com
https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-E/section-1026.33?utm_source=chatgpt.com
https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-E/section-1026.36?utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review note
{"source_id": "R008-P1-S010", "original_literal_import_alias": null, "all_original_cells_read": true, "researcher_record_unchanged": true, "original_literal_URLs_UTM_aliases_preserved": true, "fresh_read_map_entries": [], "selected_body_checks": [], "original_failed_route": false, "status": "Recordreconciled;bodyunreopened_with_original_limits", "all_current_primary_source_accepted": false, "same_regulatory_authority_mirrors_not_independent_corroboration": true, "original_failure_version_pixels_source_currentness_application_holds_retained": true}
R008-P1-S011 Saved research record

Farm Credit Administration/OFR/GPO; 12 CFR § 617.7000; U.S. federal

Recorded check status: source record reconciled unreopened body holds

Complete literal HTTPS URL(s)
https://www.ecfr.gov/current/title-12/chapter-VI/subchapter-B/part-617/subpart-A/section-617.7000
Exact substantive read bounds; printed page / PDF index
Necessary “loan” and “qualified lender” definitions, read with comment 30(b)-1. HTML.
Version, effective predicate, actual check, and limits
Fresh, 2026-10-27; eCFR through October 23. Loan-specific nexus retained; no institution roster or status query. ecfr.gov
Direct source URLs
https://www.ecfr.gov/current/title-12/chapter-VI/subchapter-B/part-617/subpart-A/section-617.7000
https://www.ecfr.gov/current/title-12/chapter-VI/subchapter-B/part-617/subpart-A/section-617.7000?utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review note
{"source_id": "R008-P1-S011", "original_literal_import_alias": null, "all_original_cells_read": true, "researcher_record_unchanged": true, "original_literal_URLs_UTM_aliases_preserved": true, "fresh_read_map_entries": [], "selected_body_checks": [], "original_failed_route": false, "status": "Recordreconciled;bodyunreopened_with_original_limits", "all_current_primary_source_accepted": false, "same_regulatory_authority_mirrors_not_independent_corroboration": true, "original_failure_version_pixels_source_currentness_application_holds_retained": true}
R008-P1-S012 Saved research record

HUD/OFR/GPO; 24 CFR § 266.5; U.S. federal

Recorded check status: source record reconciled unreopened body holds

Complete literal HTTPS URL(s)
https://www.ecfr.gov/current/title-24/subtitle-B/chapter-II/subchapter-B/part-266/subpart-A/section-266.5
Exact substantive read bounds; printed page / PDF index
“Housing finance agency or HFA” definition. HTML.
Version, effective predicate, actual check, and limits
Fresh, 2026-10-27. Title 24 displayed through October 23, last amended August 20, 2026; that title-wide date is not a claim that this definition changed then. ecfr.gov
Direct source URLs
https://www.ecfr.gov/current/title-24/subtitle-B/chapter-II/subchapter-B/part-266/subpart-A/section-266.5
https://www.ecfr.gov/current/title-24/subtitle-B/chapter-II/subchapter-B/part-266/subpart-A/section-266.5?utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review note
{"source_id": "R008-P1-S012", "original_literal_import_alias": null, "all_original_cells_read": true, "researcher_record_unchanged": true, "original_literal_URLs_UTM_aliases_preserved": true, "fresh_read_map_entries": [], "selected_body_checks": [], "original_failed_route": false, "status": "Recordreconciled;bodyunreopened_with_original_limits", "all_current_primary_source_accepted": false, "same_regulatory_authority_mirrors_not_independent_corroboration": true, "original_failure_version_pixels_source_currentness_application_holds_retained": true}
R008-P1-S013 Saved research record

CFPB, Federal Register; Mortgage Servicing Rules Under RESPA (Regulation X); U.S. federal

Recorded check status: source record reconciled unreopened body holds

Complete literal HTTPS URL(s)
https://www.govinfo.gov/content/pkg/FR-2013-02-14/pdf/2013-01248.pdf
Exact substantive read bounds; printed page / PDF index
Title, action, and DATES on printed 10696 / index 0.
Version, effective predicate, actual check, and limits
Fresh selected historical read, 2026-10-27. Published February 14, 2013; final rule effective January 10, 2014. Not a claim to have read the entire 204-page rule or every intervening amendment. govinfo.gov
Direct source URLs
https://www.govinfo.gov/content/pkg/FR-2013-02-14/pdf/2013-01248.pdf
https://www.govinfo.gov/content/pkg/FR-2013-02-14/pdf/2013-01248.pdf?utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review note
{"source_id": "R008-P1-S013", "original_literal_import_alias": null, "all_original_cells_read": true, "researcher_record_unchanged": true, "original_literal_URLs_UTM_aliases_preserved": true, "fresh_read_map_entries": [], "selected_body_checks": [], "original_failed_route": false, "status": "Recordreconciled;bodyunreopened_with_original_limits", "all_current_primary_source_accepted": false, "same_regulatory_authority_mirrors_not_independent_corroboration": true, "original_failure_version_pixels_source_currentness_application_holds_retained": true}
R008-P1-S014 Saved research record

CFPB, Federal Register; 2016 amendments to the 2013 mortgage rules under RESPA and TILA; U.S. federal

Recorded check status: source record reconciled unreopened body holds

Complete literal HTTPS URL(s)
https://www.govinfo.gov/content/pkg/FR-2016-10-19/pdf/2016-18901.pdf
Exact substantive read bounds; printed page / PDF index
Title/DATES, printed 72160 / index 0; effective-date discussion, printed 72349–72350 / indices 189–190, especially identification of successor provisions.
Version, effective predicate, actual check, and limits
Fresh selected historical read, 2026-10-27. Generally effective October 19, 2017; identified successor provisions effective April 19, 2018. Regulation Z bankruptcy-statement provisions also had the later date; this does not shift § 1024.39’s bankruptcy duties to that date. Full 242-page history not audited. govinfo.gov +1
Direct source URLs
https://www.govinfo.gov/content/pkg/FR-2016-10-19/pdf/2016-18901.pdf
https://www.govinfo.gov/content/pkg/FR-2016-10-19/pdf/2016-18901.pdf?utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review note
{"source_id": "R008-P1-S014", "original_literal_import_alias": null, "all_original_cells_read": true, "researcher_record_unchanged": true, "original_literal_URLs_UTM_aliases_preserved": true, "fresh_read_map_entries": [], "selected_body_checks": [], "original_failed_route": false, "status": "Recordreconciled;bodyunreopened_with_original_limits", "all_current_primary_source_accepted": false, "same_regulatory_authority_mirrors_not_independent_corroboration": true, "original_failure_version_pixels_source_currentness_application_holds_retained": true}
R008-P1-S015 Saved research record

CFPB, Federal Register; Mortgage Servicing Rules Under RESPA (Regulation X), 2017 notice-frequency amendment; U.S. federal

Recorded check status: source record reconciled unreopened body holds

Complete literal HTTPS URL(s)
https://www.federalregister.gov/documents/2017/10/16/2017-21912/mortgage-servicing-rules-under-the-real-estate-settlement-procedures-act-regulation-x
Exact substantive read bounds; printed page / PDF index
Action/DATES; operative revision of § 39(d)(3)(iii); selected explanation. Printed 47953 header and 47957–47958 amendatory text; HTML, PDF index N/A.
Version, effective predicate, actual check, and limits
Fresh, 2026-10-27. Interim final rule published October 16, 2017, effective October 19, 2017; supplies the 190-day modified-notice branch. federalregister.gov +1
Direct source URLs
https://www.federalregister.gov/documents/2017/10/16/2017-21912/mortgage-servicing-rules-under-the-real-estate-settlement-procedures-act-regulation-x
https://www.federalregister.gov/citation/82-FR-47957?utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review note
{"source_id": "R008-P1-S015", "original_literal_import_alias": null, "all_original_cells_read": true, "researcher_record_unchanged": true, "original_literal_URLs_UTM_aliases_preserved": true, "fresh_read_map_entries": [], "selected_body_checks": [], "original_failed_route": false, "status": "Recordreconciled;bodyunreopened_with_original_limits", "all_current_primary_source_accepted": false, "same_regulatory_authority_mirrors_not_independent_corroboration": true, "original_failure_version_pixels_source_currentness_application_holds_retained": true}
R008-P1-S016 Saved research record

CFPB, Federal Register; Treatment of Certain COVID-19 Related Loss Mitigation Options Under RESPA (Regulation X); U.S. federal

Recorded check status: source record reconciled unreopened body holds

Complete literal HTTPS URL(s)
https://www.federalregister.gov/documents/2020/06/30/2020-13853/treatment-of-certain-covid-19-related-loss-mitigation-options-under-the-real-estate-settlement
Exact substantive read bounds; printed page / PDF index
Header/DATES and actual addition of § 41(c)(2)(v), revision of (c)(2)(i). Printed 39055 header, 39065 amendatory material; HTML, PDF index N/A.
Version, effective predicate, actual check, and limits
Fresh, 2026-10-27. Interim final rule published June 30, 2020, effective July 1, 2020. Historical wording is not substituted for the 2025-revised current text. federalregister.gov +1
Direct source URLs
https://www.federalregister.gov/documents/2020/06/30/2020-13853/treatment-of-certain-covid-19-related-loss-mitigation-options-under-the-real-estate-settlement
https://www.federalregister.gov/citation/85-FR-39065?utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review note
{"source_id": "R008-P1-S016", "original_literal_import_alias": null, "all_original_cells_read": true, "researcher_record_unchanged": true, "original_literal_URLs_UTM_aliases_preserved": true, "fresh_read_map_entries": [], "selected_body_checks": [], "original_failed_route": false, "status": "Recordreconciled;bodyunreopened_with_original_limits", "all_current_primary_source_accepted": false, "same_regulatory_authority_mirrors_not_independent_corroboration": true, "original_failure_version_pixels_source_currentness_application_holds_retained": true}
R008-P1-S017 Saved research record

CFPB, Federal Register; Protections for Borrowers Affected by the COVID-19 Emergency Under RESPA, Regulation X; Rescission; U.S. federal

Recorded check status: scoped selected primary bodies with limits

Complete literal HTTPS URL(s)
https://www.govinfo.gov/content/pkg/FR-2025-05-16/pdf/2025-08643.pdf
Exact substantive read bounds; printed page / PDF index
CFPB header/DATES; operative instructions and replacement text for §§ 31, 39, 41 and Supplement I. CFPB material printed 20791–20795 / indices 0–4; unrelated material sharing first/last pages excluded. Pixels inspected only at 20792 / index 1.
Version, effective predicate, actual check, and limits
Fresh, 2026-10-27. Published May 16, 2025; interim final rule effective July 15, 2025. Its request for comments did not make it merely proposed. Selected preamble plus necessary operative amendments read; no full litigation-status audit. govinfo.gov +3
Direct source URLs
https://www.govinfo.gov/content/pkg/FR-2025-05-16/pdf/2025-08643.pdf
https://www.govinfo.gov/content/pkg/FR-2025-05-16/pdf/2025-08643.pdf?utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review note
{"source_id": "R008-P1-S017", "original_literal_import_alias": null, "all_original_cells_read": true, "researcher_record_unchanged": true, "original_literal_URLs_UTM_aliases_preserved": true, "fresh_read_map_entries": [{"chunk": 2, "URL": "https://www.govinfo.gov/content/pkg/FR-2025-05-16/pdf/2025-08643.pdf", "packet_character_bounds": [7321, 11021], "PDF_page_tags": ["P0"], "source_id": "R008-P1-S017", "packet": "[internal evidence reference]", "all_returned_numbered_ranges": [[0, 75]], "actual_numbered_lines_read": [], "failed_access": false, "location_metadata_only_when_empty": true, "PDFpixels": false}, {"chunk": 4, "URL": "https://www.govinfo.gov/content/pkg/FR-2025-05-16/pdf/2025-08643.pdf", "packet_character_bounds": [4017, 12354], "PDF_page_tags": ["P1", "P2", "P3", "P3-4", "P4"], "source_id": "R008-P1-S017", "packet": "[internal evidence reference]", "all_returned_numbered_ranges": [[346, 361], [399, 414], [534, 546], [604, 655], [771, 857]], "actual_numbered_lines_read": [[346, 361], [399, 414], [534, 546], [604, 655], [771, 857]], "failed_access": false, "location_metadata_only_when_empty": false, "PDFpixels": false}, {"chunk": 2, "URL": "https://www.govinfo.gov/content/pkg/FR-2025-05-16/pdf/2025-08643.pdf", "packet_character_bounds": [12394, 25516], "PDF_page_tags": ["P0", "P0-1", "P1", "P4"], "source_id": "R008-P1-S017", "packet": "[internal evidence reference]", "all_returned_numbered_ranges": [[102, 246], [830, 979]], "actual_numbered_lines_read": [[102, 180]], "failed_access": false, "location_metadata_only_when_empty": false, "PDFpixels": false}, {"chunk": 3, "URL": "https://www.govinfo.gov/content/pkg/FR-2025-05-16/pdf/2025-08643.pdf", "packet_character_bounds": [25596, 25899], "PDF_page_tags": [], "source_id": "R008-P1-S017", "packet": "[internal evidence reference]", "all_returned_numbered_ranges": [], "actual_numbered_lines_read": [], "failed_access": false, "location_metadata_only_when_empty": true, "PDFpixels": false}, {"chunk": 4, "URL": "https://www.govinfo.gov/content/pkg/FR-2025-05-16/pdf/2025-08643.pdf", "packet_character_bounds": [25979, 26282], "PDF_page_tags": [], "source_id": "R008-P1-S017", "packet": "[internal evidence reference]", "all_returned_numbered_ranges": [], "actual_numbered_lines_read": [], "failed_access": false, "location_metadata_only_when_empty": true, "PDFpixels": false}, {"chunk": 2, "URL": "https://www.govinfo.gov/content/pkg/FR-2025-05-16/pdf/2025-08643.pdf", "packet_character_bounds": [5436, 8695], "PDF_page_tags": ["P1"], "source_id": "R008-P1-S017", "packet": "[internal evidence reference]", "all_returned_numbered_ranges": [[301, 376]], "actual_numbered_lines_read": [[301, 376]], "failed_access": false, "location_metadata_only_when_empty": false, "PDFpixels": false}], "selected_body_checks": [{"source_id": "R008-P1-S017", "evidence_URL": "https://www.govinfo.gov/content/pkg/FR-2025-05-16/pdf/2025-08643.pdf", "line_range": [129, 150], "scope": "CFPBIFRidentity/rescission/actioncommentdistinguishedfromproposal, effectiveJuly15,2025 andcommentdate", "evidence": [{"source_id": "R008-P1-S017", "actual_URL": "https://www.govinfo.gov/content/pkg/FR-2025-05-16/pdf/2025-08643.pdf", "packet": "[internal evidence reference]", "chunk": 2, "actual_numbered_lines": [[129, 150]], "packet_character_bounds": [12394, 25516]}], "fresh_PDFpixels": false}, {"source_id": "R008-P1-S017", "evidence_URL": "https://www.govinfo.gov/content/pkg/FR-2025-05-16/pdf/2025-08643.pdf", "line_range": [325, 369], "scope": "2025actualinstructionsremove31COVIDdefinition/39e/41c2vi/f3/revisea/c2i; printed20792PDFindex1 parsednotpixels", "evidence": [{"source_id": "R008-P1-S017", "actual_URL": "https://www.govinfo.gov/content/pkg/FR-2025-05-16/pdf/2025-08643.pdf", "packet": "[internal evidence reference]", "chunk": 4, "actual_numbered_lines": [[346, 361]], "packet_character_bounds": [4017, 12354]}, {"source_id": "R008-P1-S017", "actual_URL": "https://www.govinfo.gov/content/pkg/FR-2025-05-16/pdf/2025-08643.pdf", "packet": "[internal evidence reference]", "chunk": 2, "actual_numbered_lines": [[325, 369]], "packet_character_bounds": [5436, 8695]}], "fresh_PDFpixels": false}, {"source_id": "R008-P1-S017", "evidence_URL": "https://www.govinfo.gov/content/pkg/FR-2025-05-16/pdf/2025-08643.pdf", "line_range": [406, 414], "scope": "2025SupplementIrevisionsidentified;notwholeassociatedcommentdeletionaudit", "evidence": [{"source_id": "R008-P1-S017", "actual_URL": "https://www.govinfo.gov/content/pkg/FR-2025-05-16/pdf/2025-08643.pdf", "packet": "[internal evidence reference]", "chunk": 4, "actual_numbered_lines": [[406, 414]], "packet_character_bounds": [4017, 12354]}], "fresh_PDFpixels": false}, {"source_id": "R008-P1-S017", "evidence_URL": "https://www.govinfo.gov/content/pkg/FR-2025-05-16/pdf/2025-08643.pdf", "line_range": [615, 635], "scope": "Revisedlivecontactongoingmitigation/nonavailabilityandcure/resume commentary", "evidence": [{"source_id": "R008-P1-S017", "actual_URL": "https://www.govinfo.gov/content/pkg/FR-2025-05-16/pdf/2025-08643.pdf", "packet": "[internal evidence reference]", "chunk": 4, "actual_numbered_lines": [[615, 635]], "packet_character_bounds": [4017, 12354]}], "fresh_PDFpixels": false}, {"source_id": "R008-P1-S017", "evidence_URL": "https://www.govinfo.gov/content/pkg/FR-2025-05-16/pdf/2025-08643.pdf", "line_range": [801, 848], "scope": "Revisedshorttermperformancediligencesuspend/resume/contactbeforeend andborrowercontrolcompleteness; noactualprogram", "evidence": [{"source_id": "R008-P1-S017", "actual_URL": "https://www.govinfo.gov/content/pkg/FR-2025-05-16/pdf/2025-08643.pdf", "packet": "[internal evidence reference]", "chunk": 4, "actual_numbered_lines": [[801, 848]], "packet_character_bounds": [4017, 12354]}], "fresh_PDFpixels": false}], "original_failed_route": false, "status": "Selectedcompletecurrentoperativeclauses_or_bounded_comment_historicalannualverification", "all_current_primary_source_accepted": false, "same_regulatory_authority_mirrors_not_independent_corroboration": true, "original_failure_version_pixels_source_currentness_application_holds_retained": true}
R008-P1-S018 Saved research record

CFPB, Federal Register and agency status page; Streamlining Mortgage Servicing for Borrowers Experiencing Payment Difficulties (Regulation X); U.S. federal

Recorded check status: source record reconciled unreopened body holds

Complete literal HTTPS URL(s)
https://www.govinfo.gov/content/pkg/FR-2024-07-24/pdf/2024-15475.pdf ; https://www.consumerfinance.gov/rules-policy/rules-under-development/
Exact substantive read bounds; printed page / PDF index
Proposal title/action/comment dates, printed 60204 / index 0; agency “rules under development” entry and page status.
Version, effective predicate, actual check, and limits
Fresh limited status read, 2026-10-27. Published July 24, 2024 as a proposed rule; comments due September 9, 2024. Agency page still classified it as proposed and showed October 13, 2026 modification. No final replacement effective date established. Proposal body not used as operative law. govinfo.gov +1
Direct source URLs
https://www.govinfo.gov/content/pkg/FR-2024-07-24/pdf/2024-15475.pdf
https://www.consumerfinance.gov/rules-policy/rules-under-development/
https://www.govinfo.gov/content/pkg/FR-2024-07-24/pdf/2024-15475.pdf?utm_source=chatgpt.com
https://www.consumerfinance.gov/rules-policy/rules-under-development/?utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review note
{"source_id": "R008-P1-S018", "original_literal_import_alias": null, "all_original_cells_read": true, "researcher_record_unchanged": true, "original_literal_URLs_UTM_aliases_preserved": true, "fresh_read_map_entries": [], "selected_body_checks": [], "original_failed_route": false, "status": "Recordreconciled;bodyunreopened_with_original_limits", "all_current_primary_source_accepted": false, "same_regulatory_authority_mirrors_not_independent_corroboration": true, "original_failure_version_pixels_source_currentness_application_holds_retained": true}
R008-P1-S019 Saved research record

CFPB regulation-page mirrors; §§ 1024.31, .39, .41; U.S. federal publisher

Recorded check status: scoped selected publication conflict preserved

Complete literal HTTPS URL(s)
https://www.consumerfinance.gov/rules-policy/regulations/1024/31/ ; https://www.consumerfinance.gov/rules-policy/regulations/1024/39/ ; https://www.consumerfinance.gov/rules-policy/regulations/1024/41/
Exact substantive read bounds; printed page / PDF index
Displayed current-version labels and the conflicting COVID-hardship definition, § 39(e), § 41(c)(2)(vi), § 41(f)(3), with embedded related comments. HTML.
Version, effective predicate, actual check, and limits
Fresh discrepancy comparison, 2026-10-27. These passages were not accepted as operative replacements for S005–S007/S017. Publisher “current” labels did not resolve the conflict. Consumer Financial Protection Bureau +4
Direct source URLs
https://www.consumerfinance.gov/rules-policy/regulations/1024/31/
https://www.consumerfinance.gov/rules-policy/regulations/1024/39/
https://www.consumerfinance.gov/rules-policy/regulations/1024/41/
https://www.consumerfinance.gov/rules-policy/regulations/1024/31/?utm_source=chatgpt.com
https://www.consumerfinance.gov/rules-policy/regulations/1024/39/?utm_source=chatgpt.com
https://www.consumerfinance.gov/rules-policy/regulations/1024/41/?utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review note
{"source_id": "R008-P1-S019", "original_literal_import_alias": null, "all_original_cells_read": true, "researcher_record_unchanged": true, "original_literal_URLs_UTM_aliases_preserved": true, "fresh_read_map_entries": [{"chunk": 5, "URL": "https://www.consumerfinance.gov/rules-policy/regulations/1024/39/", "packet_character_bounds": [18348, 22569], "PDF_page_tags": [], "source_id": "R008-P1-S019", "packet": "[internal evidence reference]", "all_returned_numbered_ranges": [[0, 33]], "actual_numbered_lines_read": [], "failed_access": false, "location_metadata_only_when_empty": true, "PDFpixels": false}, {"chunk": 6, "URL": "https://www.consumerfinance.gov/rules-policy/regulations/1024/41/", "packet_character_bounds": [22649, 25784], "PDF_page_tags": [], "source_id": "R008-P1-S019", "packet": "[internal evidence reference]", "all_returned_numbered_ranges": [[0, 31]], "actual_numbered_lines_read": [], "failed_access": false, "location_metadata_only_when_empty": true, "PDFpixels": false}, {"chunk": 5, "URL": "https://www.consumerfinance.gov/rules-policy/regulations/1024/41/", "packet_character_bounds": [12434, 17286], "PDF_page_tags": [], "source_id": "R008-P1-S019", "packet": "[internal evidence reference]", "all_returned_numbered_ranges": [[78, 78], [201, 205], [208, 219], [342, 347], [352, 354]], "actual_numbered_lines_read": [[78, 78], [201, 205], [208, 219], [342, 347], [352, 354]], "failed_access": false, "location_metadata_only_when_empty": false, "PDFpixels": false}, {"chunk": 6, "URL": "https://www.consumerfinance.gov/rules-policy/regulations/1024/39/", "packet_character_bounds": [17366, 30981], "PDF_page_tags": [], "source_id": "R008-P1-S019", "packet": "[internal evidence reference]", "all_returned_numbered_ranges": [[23, 25], [31, 31], [33, 52], [60, 71], [73, 74], [87, 103], [214, 214]], "actual_numbered_lines_read": [[35, 38], [41, 52], [87, 103], [214, 214]], "failed_access": false, "location_metadata_only_when_empty": false, "PDFpixels": false}], "selected_body_checks": [{"source_id": "R008-P1-S019", "evidence_URL": "https://www.consumerfinance.gov/rules-policy/regulations/1024/39/", "line_range": [35, 38], "scope": "Actualcurrentregulationlabel atliteralagencyURL", "evidence": [{"source_id": "R008-P1-S019", "actual_URL": "https://www.consumerfinance.gov/rules-policy/regulations/1024/39/", "packet": "[internal evidence reference]", "chunk": 6, "actual_numbered_lines": [[35, 38]], "packet_character_bounds": [17366, 30981]}], "fresh_PDFpixels": false}, {"source_id": "R008-P1-S019", "evidence_URL": "https://www.consumerfinance.gov/rules-policy/regulations/1024/39/", "line_range": [41, 43], "scope": "Agency39acurrentbody stillreferencesdeletede", "evidence": [{"source_id": "R008-P1-S019", "actual_URL": "https://www.consumerfinance.gov/rules-policy/regulations/1024/39/", "packet": "[internal evidence reference]", "chunk": 6, "actual_numbered_lines": [[41, 43]], "packet_character_bounds": [17366, 30981]}], "fresh_PDFpixels": false}, {"source_id": "R008-P1-S019", "evidence_URL": "https://www.consumerfinance.gov/rules-policy/regulations/1024/39/", "line_range": [214, 214], "scope": "Agencydeleted39eheadingandexpiredOct1,2022temporalclause remainsdisplayed", "evidence": [{"source_id": "R008-P1-S019", "actual_URL": "https://www.consumerfinance.gov/rules-policy/regulations/1024/39/", "packet": "[internal evidence reference]", "chunk": 6, "actual_numbered_lines": [[214, 214]], "packet_character_bounds": [17366, 30981]}], "fresh_PDFpixels": false}, {"source_id": "R008-P1-S019", "evidence_URL": "https://www.consumerfinance.gov/rules-policy/regulations/1024/41/", "line_range": [214, 219], "scope": "Agencydeleted41c2vi modification exception displayed, notoperativepremise", "evidence": [{"source_id": "R008-P1-S019", "actual_URL": "https://www.consumerfinance.gov/rules-policy/regulations/1024/41/", "packet": "[internal evidence reference]", "chunk": 5, "actual_numbered_lines": [[214, 219]], "packet_character_bounds": [12434, 17286]}], "fresh_PDFpixels": false}, {"source_id": "R008-P1-S019", "evidence_URL": "https://www.consumerfinance.gov/rules-policy/regulations/1024/41/", "line_range": [344, 347], "scope": "Agencydeletedf3safeguardsandembeddedcomment displayed, notcurrentpermission", "evidence": [{"source_id": "R008-P1-S019", "actual_URL": "https://www.consumerfinance.gov/rules-policy/regulations/1024/41/", "packet": "[internal evidence reference]", "chunk": 5, "actual_numbered_lines": [[344, 347]], "packet_character_bounds": [12434, 17286]}], "fresh_PDFpixels": false}], "original_failed_route": false, "status": "Freshselectedpublicationdiscrepancycomparison_notoperativeagencytext", "all_current_primary_source_accepted": false, "same_regulatory_authority_mirrors_not_independent_corroboration": true, "original_failure_version_pixels_source_currentness_application_holds_retained": true}
R008-P1-S020 Saved research record

CFPB; Withdrawn Guidance register; U.S. federal publisher status

Recorded check status: source record reconciled unreopened body holds

Complete literal HTTPS URL(s)
https://www.consumerfinance.gov/compliance/guidance/withdrawn-guidance/
Exact substantive read bounds; printed page / PDF index
Register body and modification label, including the withdrawn 2017 early-compliance policy. HTML.
Version, effective predicate, actual check, and limits
Fresh status read, 2026-10-27. Page displayed July 22, 2026 modification. No freestanding circular, bulletin, advisory, or supervisory manual is an operative foundation here. Register withdrawal does not itself repeal a statute or amend codified text. Underlying withdrawn guidance was not used. Consumer Financial Protection Bureau +2
Direct source URLs
https://www.consumerfinance.gov/compliance/guidance/withdrawn-guidance/
https://www.consumerfinance.gov/compliance/guidance/withdrawn-guidance/?utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review note
{"source_id": "R008-P1-S020", "original_literal_import_alias": null, "all_original_cells_read": true, "researcher_record_unchanged": true, "original_literal_URLs_UTM_aliases_preserved": true, "fresh_read_map_entries": [], "selected_body_checks": [], "original_failed_route": false, "status": "Recordreconciled;bodyunreopened_with_original_limits", "all_current_primary_source_accepted": false, "same_regulatory_authority_mirrors_not_independent_corroboration": true, "original_failure_version_pixels_source_currentness_application_holds_retained": true}
R008-P1-S021 Saved research record

Attempted House OLRC preliminary § 2605 endpoint; U.S. federal

Recorded check status: scoped original failed route unretried

Complete literal HTTPS URL(s)
https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title12-section2605&num=0&edition=prelim
Exact substantive read bounds; printed page / PDF index
Failed body retrieval: 404. No operative text read from this endpoint.
Version, effective predicate, actual check, and limits
Failure, 2026-10-27. Recovered through S001’s version-specific House page. Failure is not evidence that no rule exists.
Direct source URLs
https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title12-section2605&num=0&edition=prelim

Recorded coordinator check boundaries

coordinator review note
{"source_id": "R008-P1-S021", "original_literal_import_alias": null, "all_original_cells_read": true, "researcher_record_unchanged": true, "original_literal_URLs_UTM_aliases_preserved": true, "fresh_read_map_entries": [], "selected_body_checks": [], "original_failed_route": true, "status": "Originalfailedrouteunretried", "all_current_primary_source_accepted": false, "same_regulatory_authority_mirrors_not_independent_corroboration": true, "original_failure_version_pixels_source_currentness_application_holds_retained": true}
R008-P1-S022 Saved research record

Attempted CFPB guidance-register path; U.S. federal

Recorded check status: scoped original failed route unretried

Complete literal HTTPS URL(s)
https://www.consumerfinance.gov/rules-policy/withdrawn-guidance/
Exact substantive read bounds; printed page / PDF index
Failed body retrieval. No register body read at this path.
Version, effective predicate, actual check, and limits
Failure, 2026-10-27. Recovered through S020’s correct compliance/guidance path.
Direct source URLs
https://www.consumerfinance.gov/rules-policy/withdrawn-guidance/

Recorded coordinator check boundaries

coordinator review note
{"source_id": "R008-P1-S022", "original_literal_import_alias": null, "all_original_cells_read": true, "researcher_record_unchanged": true, "original_literal_URLs_UTM_aliases_preserved": true, "fresh_read_map_entries": [], "selected_body_checks": [], "original_failed_route": true, "status": "Originalfailedrouteunretried", "all_current_primary_source_accepted": false, "same_regulatory_authority_mirrors_not_independent_corroboration": true, "original_failure_version_pixels_source_currentness_application_holds_retained": true}

What was examined—and what is still missing

The saved component-level coverage record keeps answered, partial, blank and unresolved branches distinct. A coverage label is not acceptance of a whole subject or jurisdiction.

coverage-1 Saved research record

Q1: federally related mortgage loan and federal nexus

Recorded check status: recorded; no individual primary acceptance inferred

Coverage status
Answered generically
Claim / source / example links
C007–C008; S001/S003; E25
Exact missing authority or facts
Actual collateral, funding and nexus facts excluded
Next bounded permissible investigation
No factual application in this component

Recorded coordinator check boundaries

coordinator acceptance
scoped_coordinator_review_all_source_version_State_timeline_contract_application_parent_holds
coordinator review note
{"row_zero_based": 0, "topic": "Q1: federally related mortgage loan and federal nexus", "all_original_cells_read": true, "original_researcher_status": "Answered generically", "researcher_record_unchanged": true, "exact_missing_authority_facts_next_action_unchanged": true, "accepted": false}
coverage-2 Saved research record

Q1: business, agricultural, rental-purpose exclusion

Recorded check status: recorded; no individual primary acceptance inferred

Coverage status
Answered generically
Claim / source / example links
C009; S003/S010
Exact missing authority or facts
Actual primary purpose and classification excluded
Next bounded permissible investigation
If separately scoped, published classification authority only

Recorded coordinator check boundaries

coordinator acceptance
scoped_coordinator_review_all_source_version_State_timeline_contract_application_parent_holds
coordinator review note
{"row_zero_based": 1, "topic": "Q1: business, agricultural, rental-purpose exclusion", "all_original_cells_read": true, "original_researcher_status": "Answered generically", "researcher_record_unchanged": true, "exact_missing_authority_facts_next_action_unchanged": true, "accepted": false}
coverage-3 Saved research record

Q1: temporary construction and permanent-financing exceptions

Recorded check status: recorded; no individual primary acceptance inferred

Coverage status
Answered generically
Claim / source / example links
C010; S003
Exact missing authority or facts
Actual term, commitment, conversion and builder facts
Next bounded permissible investigation
No loan determination

Recorded coordinator check boundaries

coordinator acceptance
scoped_coordinator_review_all_source_version_State_timeline_contract_application_parent_holds
coordinator review note
{"row_zero_based": 2, "topic": "Q1: temporary construction and permanent-financing exceptions", "all_original_cells_read": true, "original_researcher_status": "Answered generically", "researcher_record_unchanged": true, "exact_missing_authority_facts_next_action_unchanged": true, "accepted": false}
coverage-4 Saved research record

Q1: vacant-land exception

Recorded check status: recorded; no individual primary acceptance inferred

Coverage status
Answered generically
Claim / source / example links
C011; S003
Exact missing authority or facts
Actual proceeds/use/timing excluded
Next bounded permissible investigation
No property investigation

Recorded coordinator check boundaries

coordinator acceptance
scoped_coordinator_review_all_source_version_State_timeline_contract_application_parent_holds
coordinator review note
{"row_zero_based": 3, "topic": "Q1: vacant-land exception", "all_original_cells_read": true, "original_researcher_status": "Answered generically", "researcher_record_unchanged": true, "exact_missing_authority_facts_next_action_unchanged": true, "accepted": false}
coverage-5 Saved research record

Q1: assumptions, conversions, secondary-market and partial exemptions

Recorded check status: recorded; no individual primary acceptance inferred

Coverage status
Answered generically
Claim / source / example links
C012; S003
Exact missing authority or facts
Actual transaction terms excluded
Next bounded permissible investigation
Do not infer servicing exemption from a transfer label

Recorded coordinator check boundaries

coordinator acceptance
scoped_coordinator_review_all_source_version_State_timeline_contract_application_parent_holds
coordinator review note
{"row_zero_based": 4, "topic": "Q1: assumptions, conversions, secondary-market and partial exemptions", "all_original_cells_read": true, "original_researcher_status": "Answered generically", "researcher_record_unchanged": true, "exact_missing_authority_facts_next_action_unchanged": true, "accepted": false}
coverage-6 Saved research record

Q1: principal residence and vacancy

Recorded check status: recorded; no individual primary acceptance inferred

Coverage status
Answered rule; application unresolved
Claim / source / example links
C013; S004/S007; E25
Exact missing authority or facts
State law and residence facts absent
Next bounded permissible investigation
Public State-law work only with separate authorization

Recorded coordinator check boundaries

coordinator acceptance
scoped_coordinator_review_all_source_version_State_timeline_contract_application_parent_holds
coordinator review note
{"row_zero_based": 5, "topic": "Q1: principal residence and vacancy", "all_original_cells_read": true, "original_researcher_status": "Answered rule; application unresolved", "researcher_record_unchanged": true, "exact_missing_authority_facts_next_action_unchanged": true, "accepted": false}
coverage-7 Saved research record

Q1: reverse mortgages, HELOCs, qualified Farm Credit lender

Recorded check status: recorded; no individual primary acceptance inferred

Coverage status
Answered generically
Claim / source / example links
C013; S004/S010/S011; E25
Exact missing authority or facts
Product and loan-specific qualification absent
Next bounded permissible investigation
No provider or loan status query

Recorded coordinator check boundaries

coordinator acceptance
scoped_coordinator_review_all_source_version_State_timeline_contract_application_parent_holds
coordinator review note
{"row_zero_based": 6, "topic": "Q1: reverse mortgages, HELOCs, qualified Farm Credit lender", "all_original_cells_read": true, "original_researcher_status": "Answered generically", "researcher_record_unchanged": true, "exact_missing_authority_facts_next_action_unchanged": true, "accepted": false}
coverage-8 Saved research record

Q1: servicer, master/subservicer, special agency exclusions

Recorded check status: recorded; no individual primary acceptance inferred

Coverage status
Answered generically
Claim / source / example links
C014–C015; S001/S003/S009
Exact missing authority or facts
Actual servicing role and exception nexus absent
Next bounded permissible investigation
No entity/roster lookup

Recorded coordinator check boundaries

coordinator acceptance
scoped_coordinator_review_all_source_version_State_timeline_contract_application_parent_holds
coordinator review note
{"row_zero_based": 7, "topic": "Q1: servicer, master/subservicer, special agency exclusions", "all_original_cells_read": true, "original_researcher_status": "Answered generically", "researcher_record_unchanged": true, "exact_missing_authority_facts_next_action_unchanged": true, "accepted": false}
coverage-9 Saved research record

Q1/Q5: small-servicer alternatives, count and transition

Recorded check status: recorded; no individual primary acceptance inferred

Coverage status
Answered generically
Claim / source / example links
C015–C017/C071; S009–S012; E13
Exact missing authority or facts
Count, affiliation, origination, HFA/nonprofit and transition facts absent
Next bounded permissible investigation
No actual qualification decision

Recorded coordinator check boundaries

coordinator acceptance
scoped_coordinator_review_all_source_version_State_timeline_contract_application_parent_holds
coordinator review note
{"row_zero_based": 8, "topic": "Q1/Q5: small-servicer alternatives, count and transition", "all_original_cells_read": true, "original_researcher_status": "Answered generically", "researcher_record_unchanged": true, "exact_missing_authority_facts_next_action_unchanged": true, "accepted": false}
coverage-10 Saved research record

Q1/Q5: successor categories and confirmation

Recorded check status: recorded; no individual primary acceptance inferred

Coverage status
Answered generically
Claim / source / example links
C018–C020; S004/S007/S008; E16–E17
Exact missing authority or facts
State title/transfer and confirmation facts absent
Next bounded permissible investigation
Public generic successor authority only if needed

Recorded coordinator check boundaries

coordinator acceptance
scoped_coordinator_review_all_source_version_State_timeline_contract_application_parent_holds
coordinator review note
{"row_zero_based": 9, "topic": "Q1/Q5: successor categories and confirmation", "all_original_cells_read": true, "original_researcher_status": "Answered generically", "researcher_record_unchanged": true, "exact_missing_authority_facts_next_action_unchanged": true, "accepted": false}
coverage-11 Saved research record

Q1/Q2: successor acknowledgment and communications

Recorded check status: recorded; no individual primary acceptance inferred

Coverage status
Answered generically
Claim / source / example links
C021/C038; S004/S007; E16
Exact missing authority or facts
Compliant optional notice and acknowledgment facts absent
Next bounded permissible investigation
No form supplied or inspected

Recorded coordinator check boundaries

coordinator acceptance
scoped_coordinator_review_all_source_version_State_timeline_contract_application_parent_holds
coordinator review note
{"row_zero_based": 10, "topic": "Q1/Q2: successor acknowledgment and communications", "all_original_cells_read": true, "original_researcher_status": "Answered generically", "researcher_record_unchanged": true, "exact_missing_authority_facts_next_action_unchanged": true, "accepted": false}
coverage-12 Saved research record

Q1: delinquency and day definitions

Recorded check status: recorded; no individual primary acceptance inferred

Coverage status
Answered generically
Claim / source / example links
C022–C023; S004/S007; E01–E02
Exact missing authority or facts
Payment terms/application and actual calendar absent
Next bounded permissible investigation
No individual calculation

Recorded coordinator check boundaries

coordinator acceptance
scoped_coordinator_review_all_source_version_State_timeline_contract_application_parent_holds
coordinator review note
{"row_zero_based": 11, "topic": "Q1: delinquency and day definitions", "all_original_cells_read": true, "original_researcher_status": "Answered generically", "researcher_record_unchanged": true, "exact_missing_authority_facts_next_action_unchanged": true, "accepted": false}
coverage-13 Saved research record

Q1: relevant § 2605 authority and remedies boundary

Recorded check status: recorded; no individual primary acceptance inferred

Coverage status
Answered narrowly
Claim / source / example links
C026; S001/S006
Exact missing authority or facts
Standing, causation, remedy and jurisdiction questions excluded
Next bounded permissible investigation
Separate authorized remedies investigation only

Recorded coordinator check boundaries

coordinator acceptance
scoped_coordinator_review_all_source_version_State_timeline_contract_application_parent_holds
coordinator review note
{"row_zero_based": 12, "topic": "Q1: relevant § 2605 authority and remedies boundary", "all_original_cells_read": true, "original_researcher_status": "Answered narrowly", "researcher_record_unchanged": true, "exact_missing_authority_facts_next_action_unchanged": true, "accepted": false}
coverage-14 Saved research record

Q2: live-contact trigger, meaning, repeat duty

Recorded check status: recorded; no individual primary acceptance inferred

Coverage status
Answered
Claim / source / example links
C027–C028/C031; S005/S007; E01
Exact missing authority or facts
Actual contact/payment facts absent
Next bounded permissible investigation
None needed for generic branch

Recorded coordinator check boundaries

coordinator acceptance
scoped_coordinator_review_all_source_version_State_timeline_contract_application_parent_holds
coordinator review note
{"row_zero_based": 13, "topic": "Q2: live-contact trigger, meaning, repeat duty", "all_original_cells_read": true, "original_researcher_status": "Answered", "researcher_record_unchanged": true, "exact_missing_authority_facts_next_action_unchanged": true, "accepted": false}
coverage-15 Saved research record

Q2: written notice timing/content/frequency

Recorded check status: recorded; no individual primary acceptance inferred

Coverage status
Answered
Claim / source / example links
C029–C030; S005/S007/S008
Exact missing authority or facts
Actual notice/provision facts absent
Next bounded permissible investigation
None needed for generic branch

Recorded coordinator check boundaries

coordinator acceptance
scoped_coordinator_review_all_source_version_State_timeline_contract_application_parent_holds
coordinator review note
{"row_zero_based": 14, "topic": "Q2: written notice timing/content/frequency", "all_original_cells_read": true, "original_researcher_status": "Answered", "researcher_record_unchanged": true, "exact_missing_authority_facts_next_action_unchanged": true, "accepted": false}
coverage-16 Saved research record

Q2: continuing delinquency, ongoing mitigation and narrow transfer effects

Recorded check status: recorded; no individual primary acceptance inferred

Coverage status
Answered
Claim / source / example links
C031–C032; S007
Exact missing authority or facts
Actual agreement and transferred-payment facts absent
Next bounded permissible investigation
No R006 notice rerun

Recorded coordinator check boundaries

coordinator acceptance
scoped_coordinator_review_all_source_version_State_timeline_contract_application_parent_holds
coordinator review note
{"row_zero_based": 15, "topic": "Q2: continuing delinquency, ongoing mitigation and narrow transfer effects", "all_original_cells_read": true, "original_researcher_status": "Answered", "researcher_record_unchanged": true, "exact_missing_authority_facts_next_action_unchanged": true, "accepted": false}
coverage-17 Saved research record

Q2: bankruptcy exemption, modified notice, resumption

Recorded check status: recorded; no individual primary acceptance inferred

Coverage status
Answered generic branch
Claim / source / example links
C033–C035; S005/S007; E14
Exact missing authority or facts
Bankruptcy status/orders/discharge/payments excluded
Next bounded permissible investigation
No bankruptcy case inquiry

Recorded coordinator check boundaries

coordinator acceptance
scoped_coordinator_review_all_source_version_State_timeline_contract_application_parent_holds
coordinator review note
{"row_zero_based": 16, "topic": "Q2: bankruptcy exemption, modified notice, resumption", "all_original_cells_read": true, "original_researcher_status": "Answered generic branch", "researcher_record_unchanged": true, "exact_missing_authority_facts_next_action_unchanged": true, "accepted": false}
coverage-18 Saved research record

Q2: FDCPA notification and modified duties

Recorded check status: recorded; no individual primary acceptance inferred

Coverage status
Answered narrowly
Claim / source / example links
C036–C038; S002/S005/S007/S015; E15
Exact missing authority or facts
FDCPA coverage and notification facts absent; broader disputes held
Next bounded permissible investigation
No debt-collector or borrower query

Recorded coordinator check boundaries

coordinator acceptance
scoped_coordinator_review_all_source_version_State_timeline_contract_application_parent_holds
coordinator review note
{"row_zero_based": 17, "topic": "Q2: FDCPA notification and modified duties", "all_original_cells_read": true, "original_researcher_status": "Answered narrowly", "researcher_record_unchanged": true, "exact_missing_authority_facts_next_action_unchanged": true, "accepted": false}
coverage-19 Saved research record

Q2: official model clauses

Recorded check status: recorded; no individual primary acceptance inferred

Coverage status
Excluded as unnecessary
Claim / source / example links
C030; § 39(b)(3), (d)(3)(i)
Exact missing authority or facts
No model form needed to state duties
Next bounded permissible investigation
If needed later, retrieve exact official version and inspect relevant pixels

Recorded coordinator check boundaries

coordinator acceptance
scoped_coordinator_review_all_source_version_State_timeline_contract_application_parent_holds
coordinator review note
{"row_zero_based": 18, "topic": "Q2: official model clauses", "all_original_cells_read": true, "original_researcher_status": "Excluded as unnecessary", "researcher_record_unchanged": true, "exact_missing_authority_facts_next_action_unchanged": true, "accepted": false}
coverage-20 Saved research record

Q3: oral application versus inquiry; actual receipt

Recorded check status: recorded; no individual primary acceptance inferred

Coverage status
Answered
Claim / source / example links
C024/C039; S004/S006/S007; E05
Exact missing authority or facts
Actual communication and receipt absent
Next bounded permissible investigation
No form or identifier entry

Recorded coordinator check boundaries

coordinator acceptance
scoped_coordinator_review_all_source_version_State_timeline_contract_application_parent_holds
coordinator review note
{"row_zero_based": 19, "topic": "Q3: oral application versus inquiry; actual receipt", "all_original_cells_read": true, "original_researcher_status": "Answered", "researcher_record_unchanged": true, "exact_missing_authority_facts_next_action_unchanged": true, "accepted": false}
coverage-21 Saved research record

Q3: 45-day inclusive acknowledgment gate and five-day units

Recorded check status: recorded; no individual primary acceptance inferred

Coverage status
Answered
Claim / source / example links
C040; S006/S007; E05/E07
Exact missing authority or facts
Actual sale/receipt/calendar absent
Next bounded permissible investigation
No individual deadline

Recorded coordinator check boundaries

coordinator acceptance
scoped_coordinator_review_all_source_version_State_timeline_contract_application_parent_holds
coordinator review note
{"row_zero_based": 20, "topic": "Q3: 45-day inclusive acknowledgment gate and five-day units", "all_original_cells_read": true, "original_researcher_status": "Answered", "researcher_record_unchanged": true, "exact_missing_authority_facts_next_action_unchanged": true, "accepted": false}
coverage-22 Saved research record

Q3: reasonable date and milestones

Recorded check status: recorded; no individual primary acceptance inferred

Coverage status
Answered
Claim / source / example links
C041; S007; E05/E19
Exact missing authority or facts
Staleness/milestone chronology absent
Next bounded permissible investigation
No invented 30-day entitlement

Recorded coordinator check boundaries

coordinator acceptance
scoped_coordinator_review_all_source_version_State_timeline_contract_application_parent_holds
coordinator review note
{"row_zero_based": 21, "topic": "Q3: reasonable date and milestones", "all_original_cells_read": true, "original_researcher_status": "Answered", "researcher_record_unchanged": true, "exact_missing_authority_facts_next_action_unchanged": true, "accepted": false}
coverage-23 Saved research record

Q3/Q5: receipt-date snapshot, no scheduled sale, rescheduling

Recorded check status: recorded; no individual primary acceptance inferred

Coverage status
Answered rule; retrospective late-application conclusion held
Claim / source / example links
C042; S006/S007; E18
Exact missing authority or facts
New receipt, original/later schedule, other law absent
Next bounded permissible investigation
Read a strictly necessary additional published interpretation if a generic ambiguity is separately posed

Recorded coordinator check boundaries

coordinator acceptance
scoped_coordinator_review_all_source_version_State_timeline_contract_application_parent_holds
coordinator review note
{"row_zero_based": 22, "topic": "Q3/Q5: receipt-date snapshot, no scheduled sale, rescheduling", "all_original_cells_read": true, "original_researcher_status": "Answered rule; retrospective late-application conclusion held", "researcher_record_unchanged": true, "exact_missing_authority_facts_next_action_unchanged": true, "accepted": false}
coverage-24 Saved research record

Q3: complete application, >37 gate, 30-day determination

Recorded check status: recorded; no individual primary acceptance inferred

Coverage status
Answered
Claim / source / example links
C039/C043; S006/S007; E04/E07/E08
Exact missing authority or facts
Completeness/options/receipt absent
Next bounded permissible investigation
No eligibility analysis

Recorded coordinator check boundaries

coordinator acceptance
scoped_coordinator_review_all_source_version_State_timeline_contract_application_parent_holds
coordinator review note
{"row_zero_based": 23, "topic": "Q3: complete application, >37 gate, 30-day determination", "all_original_cells_read": true, "original_researcher_status": "Answered", "researcher_record_unchanged": true, "exact_missing_authority_facts_next_action_unchanged": true, "accepted": false}
coverage-25 Saved research record

Q3: incomplete anti-evasion and stalled application

Recorded check status: recorded; no individual primary acceptance inferred

Coverage status
Answered
Claim / source / example links
C044–C045; S006/S007; E05
Exact missing authority or facts
Diligence/progress/context absent
Next bounded permissible investigation
No fixed “significant period” invented

Recorded coordinator check boundaries

coordinator acceptance
scoped_coordinator_review_all_source_version_State_timeline_contract_application_parent_holds
coordinator review note
{"row_zero_based": 24, "topic": "Q3: incomplete anti-evasion and stalled application", "all_original_cells_read": true, "original_researcher_status": "Answered", "researcher_record_unchanged": true, "exact_missing_authority_facts_next_action_unchanged": true, "accepted": false}
coverage-26 Saved research record

Q3: short-term incomplete-application exception

Recorded check status: recorded; no individual primary acceptance inferred

Coverage status
Answered
Claim / source / example links
C046–C047; S006/S007; E24
Exact missing authority or facts
Terms, performance and requests for further help absent
Next bounded permissible investigation
No program application

Recorded coordinator check boundaries

coordinator acceptance
scoped_coordinator_review_all_source_version_State_timeline_contract_application_parent_holds
coordinator review note
{"row_zero_based": 25, "topic": "Q3: short-term incomplete-application exception", "all_original_cells_read": true, "original_researcher_status": "Answered", "researcher_record_unchanged": true, "exact_missing_authority_facts_next_action_unchanged": true, "accepted": false}
coverage-27 Saved research record

Q3/currentness: retained COVID deferral

Recorded check status: recorded; no individual primary acceptance inferred

Coverage status
Text answered; interpretive definition gap preserved
Claim / source / example links
C003/C048; S006/S016/S017; E24
Exact missing authority or facts
Post-deletion definition issue; no hardship/program facts
Next bounded permissible investigation
Bounded primary-authority clarification of retained terminology if needed

Recorded coordinator check boundaries

coordinator acceptance
scoped_coordinator_review_all_source_version_State_timeline_contract_application_parent_holds
coordinator review note
{"row_zero_based": 26, "topic": "Q3/currentness: retained COVID deferral", "all_original_cells_read": true, "original_researcher_status": "Text answered; interpretive definition gap preserved", "researcher_record_unchanged": true, "exact_missing_authority_facts_next_action_unchanged": true, "accepted": false}
coverage-28 Saved research record

Q3: facial completeness, correction and relation-back

Recorded check status: recorded; no individual primary acceptance inferred

Coverage status
Answered
Claim / source / example links
C049; S006/S007; E06
Exact missing authority or facts
Listed missing items, timing and reasonable opportunity absent
Next bounded permissible investigation
Keep evaluation and protection dates separate

Recorded coordinator check boundaries

coordinator acceptance
scoped_coordinator_review_all_source_version_State_timeline_contract_application_parent_holds
coordinator review note
{"row_zero_based": 27, "topic": "Q3: facial completeness, correction and relation-back", "all_original_cells_read": true, "original_researcher_status": "Answered", "researcher_record_unchanged": true, "exact_missing_authority_facts_next_action_unchanged": true, "accepted": false}
coverage-29 Saved research record

Q3: complete-application notice and exceptions

Recorded check status: recorded; no individual primary acceptance inferred

Coverage status
Answered
Claim / source / example links
C050; S006/S007; E06/E07
Exact missing authority or facts
Prior notice and actual completion history absent
Next bounded permissible investigation
No actual notice audit

Recorded coordinator check boundaries

coordinator acceptance
scoped_coordinator_review_all_source_version_State_timeline_contract_application_parent_holds
coordinator review note
{"row_zero_based": 28, "topic": "Q3: complete-application notice and exceptions", "all_original_cells_read": true, "original_researcher_status": "Answered", "researcher_record_unchanged": true, "exact_missing_authority_facts_next_action_unchanged": true, "accepted": false}
coverage-30 Saved research record

Q3: borrower-control versus internal versus third-party information

Recorded check status: recorded; no individual primary acceptance inferred

Coverage status
Answered
Claim / source / example links
C051–C053; S006/S007; E23
Exact missing authority or facts
Control, diligence, necessity and elapsed period absent
Next bounded permissible investigation
No records request

Recorded coordinator check boundaries

coordinator acceptance
scoped_coordinator_review_all_source_version_State_timeline_contract_application_parent_holds
coordinator review note
{"row_zero_based": 29, "topic": "Q3: borrower-control versus internal versus third-party information", "all_original_cells_read": true, "original_researcher_status": "Answered", "researcher_record_unchanged": true, "exact_missing_authority_facts_next_action_unchanged": true, "accepted": false}
coverage-31 Saved research record

Q4: >120 threshold and due-on-sale/joining exceptions

Recorded check status: recorded; no individual primary acceptance inferred

Coverage status
Answered
Claim / source / example links
C061; S006; E02–E03
Exact missing authority or facts
Delinquency and exception facts; other law absent
Next bounded permissible investigation
No actual first-filing permission

Recorded coordinator check boundaries

coordinator acceptance
scoped_coordinator_review_all_source_version_State_timeline_contract_application_parent_holds
coordinator review note
{"row_zero_based": 30, "topic": "Q4: >120 threshold and due-on-sale/joining exceptions", "all_original_cells_read": true, "original_researcher_status": "Answered", "researcher_record_unchanged": true, "exact_missing_authority_facts_next_action_unchanged": true, "accepted": false}
coverage-32 Saved research record

Q4: judicial/nonjudicial first act

Recorded check status: recorded; no individual primary acceptance inferred

Coverage status
Answered federal definition; State identification unresolved
Claim / source / example links
C062; S007 comment 41(f)-1.i–iv; E02/E09
Exact missing authority or facts
State procedure and actual act/date absent
Next bounded permissible investigation
Separate authorized public State-procedure research

Recorded coordinator check boundaries

coordinator acceptance
scoped_coordinator_review_all_source_version_State_timeline_contract_application_parent_holds
coordinator review note
{"row_zero_based": 31, "topic": "Q4: judicial/nonjudicial first act", "all_original_cells_read": true, "original_researcher_status": "Answered federal definition; State identification unresolved", "researcher_record_unchanged": true, "exact_missing_authority_facts_next_action_unchanged": true, "accepted": false}
coverage-33 Saved research record

Q4: complete application before first filing

Recorded check status: recorded; no individual primary acceptance inferred

Coverage status
Answered
Claim / source / example links
C063–C064; S006; E03
Exact missing authority or facts
Completion, first act, release conditions absent
Next bounded permissible investigation
No operational authorization

Recorded coordinator check boundaries

coordinator acceptance
scoped_coordinator_review_all_source_version_State_timeline_contract_application_parent_holds
coordinator review note
{"row_zero_based": 32, "topic": "Q4: complete application before first filing", "all_original_cells_read": true, "original_researcher_status": "Answered", "researcher_record_unchanged": true, "exact_missing_authority_facts_next_action_unchanged": true, "accepted": false}
coverage-34 Saved research record

Q4: application after first filing

Recorded check status: recorded; no individual primary acceptance inferred

Coverage status
Answered
Claim / source / example links
C065–C068; S006/S007; E07–E09
Exact missing authority or facts
Receipt, schedule, motion and counsel facts absent
Next bounded permissible investigation
No docket or court-status query

Recorded coordinator check boundaries

coordinator acceptance
scoped_coordinator_review_all_source_version_State_timeline_contract_application_parent_holds
coordinator review note
{"row_zero_based": 33, "topic": "Q4: application after first filing", "all_original_cells_read": true, "original_researcher_status": "Answered", "researcher_record_unchanged": true, "exact_missing_authority_facts_next_action_unchanged": true, "accepted": false}
coverage-35 Saved research record

Q4: appeal closure/rejection/nonperformance release

Recorded check status: recorded; no individual primary acceptance inferred

Coverage status
Answered
Claim / source / example links
C064; S006/S007; E04/E10/E24
Exact missing authority or facts
Notices, appeal, all offers, performance absent
Next bounded permissible investigation
No actual release determination

Recorded coordinator check boundaries

coordinator acceptance
scoped_coordinator_review_all_source_version_State_timeline_contract_application_parent_holds
coordinator review note
{"row_zero_based": 34, "topic": "Q4: appeal closure/rejection/nonperformance release", "all_original_cells_read": true, "original_researcher_status": "Answered", "researcher_record_unchanged": true, "exact_missing_authority_facts_next_action_unchanged": true, "accepted": false}
coverage-36 Saved research record

Q4: State court response, sale validity, injunction, remedy

Recorded check status: recorded; no individual primary acceptance inferred

Coverage status
Excluded/held
Claim / source / example links
C026/C067; S001/S006/S007
Exact missing authority or facts
Jurisdiction, procedure, facts, remedy authority not investigated
Next bounded permissible investigation
Requires separate authorized component

Recorded coordinator check boundaries

coordinator acceptance
scoped_coordinator_review_all_source_version_State_timeline_contract_application_parent_holds
coordinator review note
{"row_zero_based": 35, "topic": "Q4: State court response, sale validity, injunction, remedy", "all_original_cells_read": true, "original_researcher_status": "Excluded/held", "researcher_record_unchanged": true, "exact_missing_authority_facts_next_action_unchanged": true, "accepted": false}
coverage-37 Saved research record

Q5: denial reasons

Recorded check status: recorded; no individual primary acceptance inferred

Coverage status
Answered
Claim / source / example links
C054; S006/S007
Exact missing authority or facts
Actual notice, investor rules and calculation inputs absent
Next bounded permissible investigation
No individualized merits decision

Recorded coordinator check boundaries

coordinator acceptance
scoped_coordinator_review_all_source_version_State_timeline_contract_application_parent_holds
coordinator review note
{"row_zero_based": 36, "topic": "Q5: denial reasons", "all_original_cells_read": true, "original_researcher_status": "Answered", "researcher_record_unchanged": true, "exact_missing_authority_facts_next_action_unchanged": true, "accepted": false}
coverage-38 Saved research record

Q5: offer minimums, trial-plan acceptance and appeal extension

Recorded check status: recorded; no individual primary acceptance inferred

Coverage status
Answered
Claim / source / example links
C055–C056/C060; S006; E04/E10/E22
Exact missing authority or facts
Actual provision/offer terms/payments absent
Next bounded permissible investigation
Preserve actual offer expiry as unknown

Recorded coordinator check boundaries

coordinator acceptance
scoped_coordinator_review_all_source_version_State_timeline_contract_application_parent_holds
coordinator review note
{"row_zero_based": 37, "topic": "Q5: offer minimums, trial-plan acceptance and appeal extension", "all_original_cells_read": true, "original_researcher_status": "Answered", "researcher_record_unchanged": true, "exact_missing_authority_facts_next_action_unchanged": true, "accepted": false}
coverage-39 Saved research record

Q5: appeal eligibility, method, 14/30/14 periods

Recorded check status: recorded; no individual primary acceptance inferred

Coverage status
Answered
Claim / source / example links
C057–C059; S004/S006/S007; E10/E21
Exact missing authority or facts
Notice-specific method and making/receipt facts absent
Next bounded permissible investigation
No universal written-appeal requirement invented

Recorded coordinator check boundaries

coordinator acceptance
scoped_coordinator_review_all_source_version_State_timeline_contract_application_parent_holds
coordinator review note
{"row_zero_based": 38, "topic": "Q5: appeal eligibility, method, 14/30/14 periods", "all_original_cells_read": true, "original_researcher_status": "Answered", "researcher_record_unchanged": true, "exact_missing_authority_facts_next_action_unchanged": true, "accepted": false}
coverage-40 Saved research record

Q5: repeat applications, cure and changed facts

Recorded check status: recorded; no individual primary acceptance inferred

Coverage status
Answered
Claim / source / example links
C069–C070; S006/S007/S008; E11–E12
Exact missing authority or facts
Prior compliance/continuity/investor requirements absent
Next bounded permissible investigation
No lifetime one-review assumption

Recorded coordinator check boundaries

coordinator acceptance
scoped_coordinator_review_all_source_version_State_timeline_contract_application_parent_holds
coordinator review note
{"row_zero_based": 39, "topic": "Q5: repeat applications, cure and changed facts", "all_original_cells_read": true, "original_researcher_status": "Answered", "researcher_record_unchanged": true, "exact_missing_authority_facts_next_action_unchanged": true, "accepted": false}
coverage-41 Saved research record

Q5: transfer general pending status and dates

Recorded check status: recorded; no individual primary acceptance inferred

Coverage status
Answered independently
Claim / source / example links
C072–C073; S006–S008; E20–E22
Exact missing authority or facts
Pending status and actual dates absent
Next bounded permissible investigation
No R006 foundation or broad notice rerun

Recorded coordinator check boundaries

coordinator acceptance
scoped_coordinator_review_all_source_version_State_timeline_contract_application_parent_holds
coordinator review note
{"row_zero_based": 40, "topic": "Q5: transfer general pending status and dates", "all_original_cells_read": true, "original_researcher_status": "Answered independently", "researcher_record_unchanged": true, "exact_missing_authority_facts_next_action_unchanged": true, "accepted": false}
coverage-42 Saved research record

Q5: transfer acknowledgment and reasonable-date extension

Recorded check status: recorded; no individual primary acceptance inferred

Coverage status
Answered
Claim / source / example links
C074–C076; S006/S007; E19
Exact missing authority or facts
Unexpired period, notice status and dates absent
Next bounded permissible investigation
No blanket >37 cutoff

Recorded coordinator check boundaries

coordinator acceptance
scoped_coordinator_review_all_source_version_State_timeline_contract_application_parent_holds
coordinator review note
{"row_zero_based": 41, "topic": "Q5: transfer acknowledgment and reasonable-date extension", "all_original_cells_read": true, "original_researcher_status": "Answered", "researcher_record_unchanged": true, "exact_missing_authority_facts_next_action_unchanged": true, "accepted": false}
coverage-43 Saved research record

Q5: transfer evaluation and changed completion criteria

Recorded check status: recorded; no individual primary acceptance inferred

Coverage status
Answered
Claim / source / example links
C077–C078; S006/S007; E20
Exact missing authority or facts
Criteria and receipt history absent
Next bounded permissible investigation
No loss of facial status assumed

Recorded coordinator check boundaries

coordinator acceptance
scoped_coordinator_review_all_source_version_State_timeline_contract_application_parent_holds
coordinator review note
{"row_zero_based": 42, "topic": "Q5: transfer evaluation and changed completion criteria", "all_original_cells_read": true, "original_researcher_status": "Answered", "researcher_record_unchanged": true, "exact_missing_authority_facts_next_action_unchanged": true, "accepted": false}
coverage-44 Saved research record

Q5: transfer appeal able/unable branches and pending offer

Recorded check status: recorded; no individual primary acceptance inferred

Coverage status
Answered
Claim / source / example links
C079–C081; S006/S007; E21–E22
Exact missing authority or facts
Ability to decide, appeal dates, remaining offer period absent
Next bounded permissible investigation
No automatic offer-period restart

Recorded coordinator check boundaries

coordinator acceptance
scoped_coordinator_review_all_source_version_State_timeline_contract_application_parent_holds
coordinator review note
{"row_zero_based": 43, "topic": "Q5: transfer appeal able/unable branches and pending offer", "all_original_cells_read": true, "original_researcher_status": "Answered", "researcher_record_unchanged": true, "exact_missing_authority_facts_next_action_unchanged": true, "accepted": false}
coverage-45 Saved research record

Q6: urgency matrix and hypothetical failure paths

Recorded check status: recorded; no individual primary acceptance inferred

Coverage status
Answered qualitatively
Claim / source / example links
Matrix; E01–E25; cited claims
Exact missing authority or facts
Actual dates/identifiers deliberately absent
Next bounded permissible investigation
No worked calendar needed

Recorded coordinator check boundaries

coordinator acceptance
scoped_coordinator_review_all_source_version_State_timeline_contract_application_parent_holds
coordinator review note
{"row_zero_based": 44, "topic": "Q6: urgency matrix and hypothetical failure paths", "all_original_cells_read": true, "original_researcher_status": "Answered qualitatively", "researcher_record_unchanged": true, "exact_missing_authority_facts_next_action_unchanged": true, "accepted": false}
coverage-46 Saved research record

Currentness: operative versus proposed/deleted material

Recorded check status: recorded; no individual primary acceptance inferred

Coverage status
Answered within stated read bounds
Claim / source / example links
C001–C006; S013–S020
Exact missing authority or facts
Full post-currency and historical reconciliation remains unclosed
Next bounded permissible investigation
Public primary Federal Register/US Code update audit only

Recorded coordinator check boundaries

coordinator acceptance
scoped_coordinator_review_all_source_version_State_timeline_contract_application_parent_holds
coordinator review note
{"row_zero_based": 45, "topic": "Currentness: operative versus proposed/deleted material", "all_original_cells_read": true, "original_researcher_status": "Answered within stated read bounds", "researcher_record_unchanged": true, "exact_missing_authority_facts_next_action_unchanged": true, "accepted": false}
coverage-47 Saved research record

Court decisions and later history

Recorded check status: recorded; no individual primary acceptance inferred

Coverage status
Not necessary; not used
Claim / source / example links
C026/C067 and currentness limits
Exact missing authority or facts
No majority opinion, posture or later-history proposition relied upon
Next bounded permissible investigation
Read actual published majority only if a later bounded legal question makes it necessary

Recorded coordinator check boundaries

coordinator acceptance
scoped_coordinator_review_all_source_version_State_timeline_contract_application_parent_holds
coordinator review note
{"row_zero_based": 46, "topic": "Court decisions and later history", "all_original_cells_read": true, "original_researcher_status": "Not necessary; not used", "researcher_record_unchanged": true, "exact_missing_authority_facts_next_action_unchanged": true, "accepted": false}
coverage-48 Saved research record

Parent/component/operational/publication acceptance

Recorded check status: recorded; no individual primary acceptance inferred

Coverage status
Expressly not granted
Claim / source / example links
Section 8 below
Exact missing authority or facts
Entire remaining parent scope and permissions held
Next bounded permissible investigation
No implied next action

Recorded coordinator check boundaries

coordinator acceptance
scoped_coordinator_review_all_source_version_State_timeline_contract_application_parent_holds
coordinator review note
{"row_zero_based": 47, "topic": "Parent/component/operational/publication acceptance", "all_original_cells_read": true, "original_researcher_status": "Expressly not granted", "researcher_record_unchanged": true, "exact_missing_authority_facts_next_action_unchanged": true, "accepted": false}

Corrections, review and scope

Read the evidence with its boundaries. These are saved research components, including revisions. A scoped coordinator review checks selected evidence; it does not certify every claim, a complete jurisdiction, current law or individual applicability. Dates and access limits remain attached to the records.

How to read the research →

No currently queued material correction is mapped to this component. This does not remove its currentness, access, jurisdiction or application limits.

Recorded review disposition

scoped coordinator federal mortgage timing review complete existing publication discrepancy and all source State calendar application parent holds

Other components in this research series

Download this complete public research record (JSON)
Record integrity

Original saved Markdown SHA-256: a08951f107eeefda4906a76dc6dec869474e920d79028cba1fd03d6ac3ae5db5. Public formatting, private-reference removal and correction annotations are separate from that immutable original.

Get debt settlement help