FIND THE EXPLANATION

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DETAILED RESEARCH · EVIDENCE & LIMITS INCLUDED

Federal credit-card payment crediting, excess-payment allocation, and credit-balance refunds

R009 · pass-01Captured 2026-10-2715 tables · 61 claim records · 17 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.

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SettleADebt R009 PASS-01

Federal credit-card payment crediting, excess-payment allocation, and credit-balance refunds

The central finding is that these rules govern three different things: receipt of a payment controls its effective crediting date; the amount above the required minimum payment controls the allocation rule; and an actual credit balance exceeding $1 triggers the credit-balance provisions. Paying more than the minimum does not, by itself, create money refundable to the consumer. Nor does timely crediting establish that the full amount needed to avoid interest was paid. Consumer Financial Protection Bureau+2

Actual source-access date: October 27, 2026, America/Los_Angeles. Research basis: Fresh public primary-source reading for this assignment. No A005/R005 report or other research report was used as a foundation. Review status: Researcher self-check only; not independent review, component acceptance, or parent acceptance. Provenance limitation: I cannot independently verify the chat interface’s selected model or tier and make no claim that its selector showed GPT-6 Pro.

Material source-status qualification

The substantive payment rules and associated official interpretations were recovered from CFPB regulation pages, with the operative regulations also checked against retrieved eCFR bodies. The CFPB version index identified April 8, 2026 as its current Part 1026 version. Retrieved eCFR packets identified Title 12 as updated through October 22, 2026 for §§ 1026.10 and .53, and October 23, 2026 in the later § 1026.11 packet. Those are publisher/version observations, not findings that these particular sections were amended on those dates. eCFR itself distinguishes its continuously updated text from an official legal edition of the CFR. Consumer Financial Protection Bureau+3

Current House Code body requests failed through the routes recorded below. I therefore read the necessary statutory bodies in the official 2024 U.S. Code edition on GovInfo. Search-index descriptions of newer House compilations were not substituted for body reading. Accordingly, the findings below are substantively developed, but verification against a successfully retrieved current House statutory body and a complete subsequent session-law/CFR amendment audit remains partial. This limitation attaches to every statutory-currentness assertion.

1. Principal findings and scope

The general open-end crediting and credit-balance provisions have broader coverage than § 1026.53’s allocation rule. The latter applies to a credit card account under an open-end, not home-secured, consumer credit plan, subject to the governing definitions and exemptions. A home-equity plan accessed by a card and specified overdraft arrangements are excluded from that defined category. Charge cards, however, are generally included in references to credit cards and covered credit-card accounts; their absence of a periodic interest rate is not a blanket exclusion. Consumer Financial Protection Bureau+2

The principal operational distinctions are:

Subject	Supported finding	Boundary that must remain visible
Crediting	Generally credit a payment as of receipt, with the exceptions in § 1026.10.	Posting, receipt, collection of a check, available credit, and debt forgiveness are different questions.
Conforming payment	Reasonable requirements and method-specific cutoffs matter. A creditor-promoted method generally produces conforming payments when the applicable conditions are met.	The creditor cannot automatically invoke the nonconforming-payment delay for a method it promotes.
Nonconforming payment	When qualifying requirements were specified on or with the statement and a nonconforming payment is accepted, crediting is generally required within five days of receipt.	The provision says “days,” not “business days”; it is not a universal five-day processing allowance.
Excess allocation	Ordinarily allocate the amount above the required minimum to balances in descending APR order.	Minimum-payment allocation is not prescribed by this general excess-only rule.
Deferred interest	Special treatment applies during the promotion, including priority near expiration.	A true zero-rate promotion and a recurring grace period are not automatically deferred-interest programs.
Consumer allocation requests	Specified deferred-interest and secured-balance exceptions permit issuer acceptance of consumer instructions.	The issuer generally may decline a request and follow the applicable default rule.
Credit balance	A qualifying credit balance exceeding $1 must be credited, with request-based and aged-balance refund duties.	An excess payment above the minimum, a zero balance, or a disputed merchant charge is not necessarily a refundable credit balance.
Refund clocks	Written-request receipt starts the seven-business-day rule; more than six months of remaining credit balance triggers a good-faith effort.	These are different triggers. Neither supplies a universal immediate cash-refund rule on closure.

Authorities and exact predicates for these findings appear in the claim register below. Consumer Financial Protection Bureau+4

2. Source register

Register conventions. All sources were accessed on October 27, 2026, America/Los_Angeles, and concern U.S. federal law unless a row says otherwise. “Fresh” means read for this assignment, not imported from another report. HTML sources have no printed page or PDF index. A PDF index is zero-based.

S001–S004 are portions of the same official Code edition. S005–S010 are navigation groups within Regulation Z and its official interpretations/model materials. Multiple publisher presentations of the same provision are not independent corroboration.

A. Substantive sources and version metadata

Source ID	Issuer/title and complete literal HTTPS URLs	Exact clauses and actual read bounds	Page / PDF index / image extent	Version, effective predicate, and currentness limit
R009-P1-S001	GPO, 15 U.S.C. § 1666c, Prompt and fair crediting of payments. https://www.govinfo.gov/content/pkg/USCODE-2024-title15/html/USCODE-2024-title15-chap41-subchapI-partD-sec1666c.htm	Fresh; complete operative subsections (a), (b)(1)–(2), and (c), plus displayed amendment/effective-date notes; HTML lines 9–44.	HTML; page/index N/A.	Official 2024 edition. The 2009-amendment note states nine months after May 22, 2009, except as otherwise specified. S011 independently establishes the relevant 2010 regulatory compliance date. Current House-body gap remains.
R009-P1-S002	GPO, 15 U.S.C. § 1666d, Treatment of credit balances. https://www.govinfo.gov/content/pkg/USCODE-2024-title15/pdf/USCODE-2024-title15-chap41-subchapI-partD-sec1666d.pdf. Same text also recovered through https://www.govinfo.gov/link/uscode/15/1666d.	Fresh; complete § 1666d, including its three credit-creation categories, duties (A)–(C), and displayed 1980 amendment/transition notes; PDF text lines 26–63. Adjacent §§ 1666e–f were not adopted as additional research conclusions.	Printed 1542, PDF 0. Page image retrieved; the § 1666d block was inspected. No broader Code-volume image review.	Official 2024 edition established by the edition-specific URL; the generic link is duplicate access, not a second authority. Historical amendment note is not an account-specific effective-date calculation.
R009-P1-S003	GPO, 15 U.S.C. §§ 1602 and 1603. https://www.govinfo.gov/content/pkg/USCODE-2024-title15/html/USCODE-2024-title15-chap41-subchapI-partA-sec1602.htm; https://www.govinfo.gov/content/pkg/USCODE-2024-title15/html/USCODE-2024-title15-chap41-subchapI-partA-sec1603.htm	Fresh selected bodies: § 1602(d)–(g), (i)–(j), (l), (n)–(o), and (s); § 1603(1) and (3), with surrounding exemption text read for context. No complete TILA-definition survey claimed.	HTML; N/A.	Official 2024 edition. The annually adjusted regulatory threshold is established separately by S005/S012; the statutory base amount is not presented as the 2026 threshold.
R009-P1-S004	GPO, 15 U.S.C. § 1637, Open end consumer credit plans. https://www.govinfo.gov/content/pkg/USCODE-2024-title15/pdf/USCODE-2024-title15-chap41-subchapI-partB-sec1637.pdf	Fresh selected bodies: complete (l), payment-method fees, and (o)(1)–(2), due dates and mail nonreceipt days; text lines 907–915 and 942–951. Other § 1637 subjects are not findings of this pass.	Printed 1488, PDF 8; selected parsed text read, not page pixels.	Official 2024 edition; current statutory-body limitation applies.
R009-P1-S005	CFPB, Regulation Z scope, definitions, exemptions. https://www.consumerfinance.gov/rules-policy/regulations/1026/1/; https://www.consumerfinance.gov/rules-policy/regulations/1026/2/; https://www.consumerfinance.gov/rules-policy/regulations/1026/3/	Fresh selected operative bodies and relevant inline interpretations: § 1(c); § 2(a)(4), (6)–(8), (10)–(12), (14)–(15), relevant (17), and (20); § 3(a), (b), especially comments 3(a)-1–3, -7, -9 and 3(b)-3–4. Remaining threshold commentary material recovered in S012.	HTML; N/A.	Publisher-marked current regulation; Part-version metadata in S013. This is a necessary coverage study, not every exemption or every hybrid-prepaid feature.
R009-P1-S006	CFPB/OFR, 12 C.F.R. § 1026.10, Payments, with Supplement I. https://www.consumerfinance.gov/rules-policy/regulations/1026/10/; https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-B/section-1026.10	Fresh; complete (a)–(f) and all inline comments: 10(a)-1–2; 10(b)-1–7; 10(d)-1–2; 10(e)-1–4; 10(f)-1–5, including examples. CFPB body lines 56–166; eCFR operative body lines 103–133.	HTML; N/A.	CFPB current label; retrieved eCFR title banner through 2026-10-22. No particular-date posting mandate inferred.
R009-P1-S007	CFPB/OFR, 12 C.F.R. § 1026.53, Allocation of payments, with Supplement I. https://www.consumerfinance.gov/rules-policy/regulations/1026/53/; https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-G/section-1026.53	Fresh; complete (a), (b)(1)(i)–(ii), (b)(2); complete comments 53-1–5 and 53(b)-1–3, including their examples and invalid-request examples. CFPB body lines 55–125; eCFR lines 103–110.	HTML; N/A.	CFPB current label; retrieved eCFR title banner through 2026-10-22. Comments 53-1–5 are section-level comments, not invented “53(a)” paragraph numbers.
R009-P1-S008	CFPB/OFR, 12 C.F.R. § 1026.11, Treatment of credit balances; account termination, with Supplement I. https://www.consumerfinance.gov/rules-policy/regulations/1026/11/; https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-B/section-1026.11	Fresh; complete (a)(1)–(3) and comments 11(a)-1–2, 11(a)(2)-1, 11(a)(3)-1–2. Paragraph (b) and its comment read to distinguish termination. Estate-debt subsection (c) excluded from substantive analysis.	HTML; N/A.	Later retrieved eCFR packet through 2026-10-23; earlier packet displayed 2026-04-21 and is preserved as an access discrepancy, not silently treated as current.
R009-P1-S009	CFPB, necessary adjacent provisions. https://www.consumerfinance.gov/rules-policy/regulations/1026/5/; https://www.consumerfinance.gov/rules-policy/regulations/1026/7/; https://www.consumerfinance.gov/rules-policy/regulations/1026/16/	Fresh selected text: comment 5(b)(2)(ii)-2, meaning of treating payment as late; 7(b)(13)–(14) and corresponding format comment; 16(h)(2) and comment 16(h)-1. Surrounding text was viewed, but broad statement-timing, advertising, and billing-dispute regimes are not adopted here.	HTML; N/A.	Agency current-label text, subject to S013 and the stated currentness limits.
R009-P1-S010	CFPB, Appendix G, Open-End Model Forms and Clauses. https://www.consumerfinance.gov/rules-policy/regulations/1026/g/; G-18(D) image: https://files.consumerfinance.gov/eregulations/ER22DE11.026-2.png	Fresh; Appendix G comments 8–10, G-18(D) payment-information sample, and complete G-18(H) deferred-interest clause. G-18(F)/(G) instructions read, but their complete images were not inspected.	G-18(D): one image surface, no PDF page/index. G-18(H): HTML text. No unseen full-form review claimed.	Generic official model material, not evidence of any creditor’s contract, statement, rate, fee, or actual deadline.
R009-P1-S011	Federal Reserve/GPO, Truth in Lending, final rule, 75 FR 7658, February 22, 2010. https://www.govinfo.gov/content/pkg/FR-2010-02-22/pdf/2010-624.pdf	Fresh selected reading: action/effective/mandatory-compliance text; allocation discussion beginning at § 226.53 and continuing through the minimum, rate-date, dispute, and equal-rate explanation. Not a read of all 268 pages.	Printed 7658, PDF 0, image inspected; selected text at 7726–7727, PDF 68–69. Other search-returned passages are not asserted as whole-page reads.	Historical final rule, not current Part 1026 text. Effective February 22, 2010; listed § 226.10 and §§ 226.51–58 had that mandatory compliance date. Used for historical implementation, not to override current text.
R009-P1-S012	Federal Reserve/CFPB/GPO, Truth in Lending (Regulation Z), final rules; official interpretations, 90 FR 57882, December 15, 2025. https://www.govinfo.gov/content/pkg/FR-2025-12-15/pdf/2025-22814.pdf	Fresh selected reading: action/effective clause, 2026 threshold explanation, and operative CFPB comments 3(b)-3.xvii, -4, -6(i), -7, -8. Surrounding closed-end commentary was encountered but not made a new closed-end investigation.	Printed 57882–57883, PDF 0–1, selected text; 57887–57888, PDF 5–6, selected operative text. Image 5 inspected.	Final and effective January 1, 2026; states $73,400 for January 1–December 31, 2026. No future-year threshold inferred.
R009-P1-S013	CFPB, All versions of 12 CFR Part 1026. https://www.consumerfinance.gov/rules-policy/regulations/1026/versions/10/	Fresh metadata reading, especially the current-version entry.	HTML; N/A.	Lists April 8, 2026 as current. A Part-level version index is not a section-specific amendment history, official annual CFR edition, or complete lag audit.

Primary bodies supporting the register are available through the corresponding citations. COMMERCE AND TRADE+9

B. Failed and limited-use source routes

These rows are part of the source register. A failed retrieval supports no inference that a rule is absent.

Source ID	Complete literal HTTPS URLs attempted	Actual result and effect
R009-P1-S014	House current/preliminary routes: a. https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title15-section1666c&num=0&edition=prelim; b. https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title15-section1666d&num=0&edition=prelim; c. https://uscode.house.gov/us/usc/t15/s1666c/; d. https://uscode.house.gov/us/usc/t15/s1666d/; e. https://uscode.house.gov/view.xhtml?req=%28title%3A15+section%3A1666c+edition%3Aprelim%29; f. https://uscode.house.gov/view.xhtml?req=%28title%3A15+section%3A1666d+edition%3Aprelim%29; g. https://uscode.house.gov/us/usc/119-134/t15/s1666c/; h. https://uscode.house.gov/us/usc/119-134/t15/s1666d/	a–b and f returned fetch/404 failures; c–d and g–h were inaccessible through the tool; e returned a maintenance page. Newer compilation descriptions appeared in search results but were discovery only. Current House operative bodies not recovered.
R009-P1-S015	GovInfo unsuccessful HTML routes: a. https://www.govinfo.gov/content/pkg/USCODE-2025-title15/html/USCODE-2025-title15-chap41-subchapI-partD-sec1666c.htm; b. https://www.govinfo.gov/content/pkg/USCODE-2025-title15/html/USCODE-2025-title15-chap41-subchapI-partD-sec1666d.htm; c. https://www.govinfo.gov/content/pkg/USCODE-2024-title15/html/USCODE-2024-title15-chap41-subchapI-partD-sec1666d.htm; d. https://www.govinfo.gov/content/pkg/USCODE-2024-title15/html/USCODE-2024-title15-chap41-subchapI-partB-sec1665d.htm; e. https://www.govinfo.gov/content/pkg/USCODE-2024-title15/html/USCODE-2024-title15-chap41-subchapI-partD-sec1666j.htm; f. https://www.govinfo.gov/content/pkg/USCODE-2024-title15/html/USCODE-2024-title15-chap41-subchapI-partB-sec1637.htm	All returned inaccessible results. a–b did not establish a 2025 edition. c and f were recovered in edition-specific PDFs. d was an unsuccessful exploratory citation route and supplies no conclusion. e was followed by the PDF in S017; it was not the payment-method-fee authority. Correct fee authority was recovered in § 1637(l), S004.
R009-P1-S016	OFR, full Supplement I: https://www.ecfr.gov/current/title-12/chapter-X/part-1026/appendix-Supplement%20I%20to%20Part%201026	Retrieval failed because content exceeded the tool’s size limit. This was not treated as absence of official commentary. Necessary comments were read in the CFPB section bodies; additional threshold text was read in S012.
R009-P1-S017	Auxiliary opened routes: https://www.govinfo.gov/content/pkg/USCODE-2024-title15/pdf/USCODE-2024-title15-chap41-subchapI-partD-sec1666j.pdf; https://www.consumerfinance.gov/rules-policy/regulations/1026/13/; https://www.consumerfinance.gov/rules-policy/regulations/1026/interp-10/; https://www.consumerfinance.gov/rules-policy/regulations/1026/interp-11/; https://www.consumerfinance.gov/rules-policy/regulations/1026/interp-53/; https://www.consumerfinance.gov/rules-policy/regulations/1026/interp-3/	§ 1666j’s selected text concerned state-law applicability and was not used as the fee rule or as a state-law analysis. § 13 was opened/searched but not used as a completed billing-error investigation. Standalone interpretation routes were navigation/duplicate access; the complete payment/refund/allocation comment readings claimed above are the integrated bodies in S006–S008. No separate corroboration count.

No CFPB circular, bulletin, advisory opinion, or other guidance document was used as a substantive foundation. Consequently, no such document is represented as having passed a Withdrawn Guidance register check. No proposed rule, withdrawn guidance, or case opinion supplies a conclusion here. No litigation-status or docket search was performed.

3. Atomic claim register

Status key

R: Supported by the regulatory body or official interpretation actually read.
S: Supported by statutory text actually read in the official 2024 edition; current-body limitation remains.
I: Expressly identified inference or limitation drawn from the identified provisions.
U: Actual application remains unknown because the relevant facts or additional authority were not investigated.

All claims retain the source-version limits above. “Covered account” never substitutes for establishing the applicable consumer, product, actor, exemption, and provision-specific predicates.

A. Coverage and actors

Claim ID	Area and precise claim	Trigger, conditions, exceptions	Source pinpoint	Status / limit
R009-P1-C001	Consumer coverage depends on credit primarily for personal, family, or household purposes.	The statutory consumer-transaction definition refers to a natural person; regulatory cardholder and specified trust rules require their own treatment. A consumer-facing label alone is insufficient.	S003, § 1602(i); S005, § 2(a)(11)–(12), comments 2(a)(11)-1, -3 and 2(a)(12)-1.	S/R; actual purpose and status U.
R009-P1-C002	Open-end credit ordinarily requires a plan contemplating repeated transactions, possible finance charges on unpaid balances, and generally replenishing credit.	All three regulatory criteria matter. Card-issuer provisions also bring specified no-finance-charge and closed-end card arrangements within relevant Subpart B rules; “not ordinary revolving credit” is not a universal exclusion from §§ 10–11.	S003, § 1602(g), (j); S005, § 2(a)(17)(iii)–(iv), (20), comments 2(a)(17)(iii)-1, 2(a)(17)(iv)-1, 2(a)(20)-1–5.	S/R; specialized closed-end applications otherwise held.
R009-P1-C003	A card issuer is the issuer or its agent with respect to the card; “creditor” has provision-specific routes.	Mere card production or data processing does not alone establish agency. Section 10(e) separately expands its own creditor definition to specified payment processors.	S003, § 1602(g), (o); S005, § 2(a)(7), (17), comment 2(a)(7)-1; S006, § 10(e).	S/R; agency and actual creditor status U.
R009-P1-C004	Regulatory cardholder status can include a natural person agreeing with the issuer to pay consumer-card obligations issued to another.	The commentary distinguishes a co-obligor/guarantor from a merely authorized user. This definition does not itself decide contract liability, joint ownership, or entitlement to a particular refund.	S005, § 2(a)(8), comment 2(a)(8)-1–4.	R; liability/refund ownership U.
R009-P1-C005	The narrow covered-credit-card-account definition excludes a § 1026.40 home-equity plan accessed by a card and the specified overdraft lines.	The account-number overdraft exclusion has an express exception for a hybrid prepaid-credit card accessing a covered separate credit feature. A debit card without a credit feature is not automatically a credit card.	S005, § 2(a)(15)(i)–(ii), comments 2(a)(15)-2 and -4.	R; full hybrid-prepaid classification held.
R009-P1-C006	A charge card is a credit card for which no periodic rate computes a finance charge; references to covered card accounts in Subparts B and G generally include charge cards.	Particular sections contain express distinctions. Section 53 still requires an actual excess amount and allocable balances; no interest-bearing balance is invented for a charge card.	S005, § 2(a)(15)(iii), comment 2(a)(15)-3; S007, § 53(a).	R/I; product features U.
R009-P1-C007	General-purpose, store, cash-advance, balance-transfer, promotional, and non-home-secured secured-card labels do not independently displace the core coverage tests.	The actual plan, access device, consumer purpose, security, balances, and exemptions control. A secured balance can expressly fall within § 53(b)(2).	S005, § 2(a)(15), (20); S007, § 53(a), (b)(2), comment 53-5.	I anchored in R; no comprehensive subtype acceptance.
R009-P1-C008	Business-purpose cards do not acquire these consumer operational protections merely through occasional personal use; consumer-purpose cards do not lose them through occasional business use.	Section 3(a)’s commercial/organizational exclusions and the limited § 12(a)–(b) exceptions must be distinguished. Those exceptions are not a general extension of §§ 10, 11, or 53 to business cards.	S003, § 1603(1); S005, § 3(a), comments 3-1, 3(a)-2 and 2(a)(8)-4.	S/R; actual mixed-purpose classification U.
R009-P1-C009	The high-value exemption can matter even to an open-end account. The 2026 threshold is $73,400.	The relevant route is an initial extension exceeding the then-applicable threshold or a qualifying firm written commitment at opening—not merely a later displayed balance. Real-property/principal-dwelling security and private-education exceptions must be respected.	S005, § 3(b)(1), comment 3(b)-3.xvii; S012, comments 3(b)-4.i and -6(i).	R; threshold effective Jan. 1–Dec. 31, 2026; actual exemption U.
R009-P1-C010	An exemption’s history matters: initial-extension and firm-commitment routes do not have identical persistence rules.	Reduction of a qualifying commitment can end that route; a qualifying initial extension can preserve exemption despite later reductions. Combining smaller advances is not the same as the specified single initial advance. Later real-property/principal-dwelling security can end an open-end exemption.	S012, comments 3(b)-4.ii–iv, -6(i), -7; legacy transition in -8.	R; no actual opening/history determination.
R009-P1-C011	Exclusion from § 53’s narrow account category does not automatically eliminate general open-end crediting or credit-balance duties.	A covered home-equity line or non-card open-end plan can remain subject to general § 10 and § 11(a) requirements, while § 10(b)(3), § 10(e), and § 53 have their narrower express scopes.	S005, § 2(a)(15)(ii), (17), (20); S006–S008, respective operative clauses.	R; no wholesale application of card-specific rules to HELOCs.

These scope conclusions follow the statute/regulation distinction rather than treating all products called “cards” alike. COMMERCE AND TRADE+6

B. Receipt and payment crediting

Claim ID	Area and precise claim	Trigger, conditions, exceptions	Source pinpoint	Status / limit
R009-P1-C012	Section 1666c(a) requires prompt posting as specified by regulation and protection against a finance charge when its stated payment conditions are met.	Receipt in readily identifiable form by 5 p.m. on the due date, in the amount, manner, and location indicated to avoid the charge. This is not a rule that every timely minimum payment prevents all interest.	S001, § 1666c(a).	S; read with implementing regulation.
R009-P1-C013	Section 10(a) generally requires crediting as of receipt, not posting on one particular date.	Exceptions: delay produces no finance or other charge, or paragraph (b) applies. Posting date alone therefore does not establish a crediting violation.	S006, § 10(a), comment 10(a)-1.	R.
R009-P1-C014	A check is received when it reaches the creditor, rather than when the funds are collected.	Sending or postmarking is not the identified receipt event. Applicable requirements and cutoffs still matter.	S006, comment 10(a)-2.i; § 10(b).	R/I; no universal postmark rule.
R009-P1-C015	With a consumer-selected third-party payor, receipt generally occurs when the creditor receives that payor’s check or transfer medium.	The payment must satisfy applicable § 10(b) requirements. An instruction to another bank is not automatically receipt by the creditor.	S006, comment 10(a)-2.iii.	R; actual transfer/agency facts U.
R009-P1-C016	An issuer-website payment is received on the date the consumer authorizes the issuer to effect it.	Advance scheduling does not move receipt to the earlier instruction date. An immediate instruction received after 5 p.m. or a later specified cutoff is deemed authorized for the next business day.	S006, comment 10(a)-2.iv.	R; exact method, authorization date, cutoff, and calendar U.
R009-P1-C017	The specified voluntary payroll arrangement uses the debit from the asset account as receipt, not the earlier payroll deposit.	Consumer retains use until the contractual payment date; the commentary separately describes the covered hybrid-prepaid arrangement. This does not establish general setoff or compulsory-autopay authority.	S006, comment 10(a)-2.ii.	R; cross-referenced setoff/prepaid regimes held.
R009-P1-C018	A creditor may prescribe reasonable requirements enabling most consumers to conform.	Examples include an account locator/stub, checks or money orders by mail, U.S. dollars, and a specified address. Ordinary mail/electronic/telephone/in-person cutoffs may not be earlier than 5 p.m. on the due date at the specified receipt location, subject to the branch exception.	S006, § 10(b)(1)–(2).	R; no universal consumer-local-time assumption.
R009-P1-C019	If requirements were not specified, the commentary supplies implied payment guidelines.	Payment at business locations during normal business hours; cash, money order, draft, similar negotiable instrument, or agreed electronic transfer. Comment 10(b)-1 separately flags possible compulsory-EFT restrictions.	S006, comments 10(b)-1 and -4.	R; full Regulation E analysis excluded.
R009-P1-C020	Creditor-promoted payment methods are treated as conforming under § 10(b)(4)(ii).	Promotion can encompass website, telephone, in-person, or specified third-party channels. Applicable permitted cutoffs remain relevant; conformity does not independently prove receipt.	S006, § 10(b)(4)(ii), comment 10(b)-2.i–iv.	R.
R009-P1-C021	An accepted nonconforming payment generally must be credited within five days of receipt.	Qualifying requirements must have been specified on or with the periodic statement. Promoted-method treatment can defeat the asserted nonconformity. Commentary permits finance-charge accrual between receipt and crediting in this branch.	S006, § 10(b)(4)(i)–(ii), comment 10(b)-3.	R; no general duty to accept every defective tender inferred.
R009-P1-C022	Qualifying in-person payments at a financial-institution issuer’s branch/office count as received that day when made before close of business.	Covered not-home-secured consumer card account; accepted branch location; financial institution means bank, savings association, or credit union. Closing time controls, including an earlier-than-5-p.m. closing.	S006, § 10(b)(3)(i)–(ii).	R.
R009-P1-C023	A merchant retail location is not automatically the issuing financial institution’s branch or office.	The commentary specifically addresses merchant-limited and cobranded cards. A merchant payment may still be conforming under other provisions.	S006, comment 10(b)-5; § 10(b)(4)(ii).	R.
R009-P1-C024	Employee assistance and affiliate relationships affect the in-person branch rule.	Teller/employee-assisted payment qualifies; a branch mail slot does not qualify as in-person under this rule. A same-name affiliate accepting issuer-account payments is covered by the stated affiliate interpretation.	S006, comments 10(b)-6–7.	R; factual relationship U.
R009-P1-C025	Improperly delayed crediting that causes finance or other charges requires an account adjustment during the next billing cycle.	The failure must violate § 10(a) or (b) and result in the charges described. This is the section’s account-adjustment duty, not a damages award or complete remedies analysis.	S006, § 10(c).	R.
R009-P1-C026	If the creditor does not receive or accept mail payments on the due date, the next-mail-business-day protection generally applies.	For § 10(d), that next business day means the next day the creditor accepts or receives payments by mail. This is not a universal Monday–Friday definition.	S004, § 1637(o)(2); S006, § 10(d)(1), comment 10(d)-1.	S/R.
R009-P1-C027	A mail-closure extension does not necessarily extend a different payment channel.	If electronic or telephone payments are accepted on the due date, payments made by that channel the next business day need not be treated as timely under § 10(d)(2). Ordinary periodic interest on a no-grace account is not, by itself, late treatment.	S006, § 10(d)(2), comment 10(d)-2; S009, comment 5(b)(2)(ii)-2.	R; other timing protections not decided.
R009-P1-C028	A separate fee for making a payment is generally prohibited on the specified covered card accounts unless the stated expedited-service exception applies.	Section 1637(l) supplies the statutory rule; § 10(e) uses the narrow not-home-secured account category and includes a processor acting for the creditor. A late charge is not classified as this separate payment-method fee merely because payment was late.	S004, § 1637(l); S006, § 10(e), comments 10(e)-1, -4.	S/R; general late-fee legality held.
R009-P1-C029	The § 10(e) exception requires expedited service involving a live representative or agent.	Expedited means same-day crediting, or next-business-day crediting after cutoff. Automated-only service is not a representative; mixed live/automated service may qualify. A consumer’s own transfer service/bill-pay bank is not thereby the creditor’s processor.	S006, comments 10(e)-2–4.	R; exception is not an all-law permission to charge.
R009-P1-C030	A material issuer change in payment address/procedures can prohibit late-payment fees or finance charges during the specified 60-day period.	Required causal link: the change causes material delay. A harmless address-format change or continued successful acceptance at the former address does not establish that predicate.	S001, § 1666c(c); S006, § 10(f), comments 10(f)-1–4.	S/R; change date and causation U.
R009-P1-C031	The retail-location interpretation has a specific notice-based correction mechanism.	If the issuer uses that treatment, notice must reach it no later than 60 days after transmission of the first statement reflecting the affected charge; qualifying charges imposed in the change’s 60-day period must be waived, removed, or equivalently credited.	S006, comment 10(f)-3.ii, -4.vi.	R; the two 60-day triggers must not be merged.
R009-P1-C032	Section 10(f)’s safe harbor and late-payment-charge concept have limits.	The issuer may avoid affected charges for the specified period; waiver/removal/equivalent credit counts. Ordinary periodic interest on an account without a grace period is not automatically a finance charge “for a late payment.”	S006, comments 10(f)-3.i and -5.	R.
R009-P1-C033	The crediting provisions do not themselves establish instantaneous restoration of available credit, cancellation of debt, or a particular allocation of the payment.	This is a limitation of the provisions examined. Other contract, funds-availability, payment-system, or legal requirements may matter.	S006, § 10; S005, comment 2(a)(20)-5; S007–S008.	I; broader duties U.

The complete payment text and comments support the method-specific distinctions above. Consumer Financial Protection Bureau+5

C. Excess-payment allocation

Claim ID	Area and precise claim	Trigger, conditions, exceptions	Source pinpoint	Status / limit
R009-P1-C034	On a covered card account, the ordinary rule allocates excess above the required minimum first to the highest-APR balance, then other balances in descending APR order.	Subject to § 53(b) and official dispute-related interpretation. Product coverage must first be established.	S001, § 1666c(b)(1); S007, § 53(a).	S/R.
R009-P1-C035	Section 53 does not prescribe the amount of the required minimum or generally dictate how that minimum is allocated.	The issuer remains subject to other applicable law and regulatory guidance. Voluntarily using the excess-payment method for the minimum is permitted where otherwise consistent.	S007, comment 53-1.	R; minimum-setting/allocation law otherwise held.
R009-P1-C036	The issuer may use rates and balances from the preceding cycle’s end, the payment-crediting date, or a date between.	The selection generally must be consistent between cycles, although adjustments from time to time are permitted. This does not authorize a rate change or prove the selected APR lawful.	S007, comment 53-2 and examples.	R; actual valuation practice and lawful rate U.
R009-P1-C037	The commentary generally prescribes no particular allocation among tied-rate balances when at least one other balance has a different rate.	Tied balances may be treated together or separately. If all rates are identical, the descending-rate rule itself supplies no differential ranking; that last point is a textual inference, subject to special rules and other law.	S007, comment 53-4, example 53-5.iv; § 53(a).	R for specified tie case; I for all-identical-rate observation.
R009-P1-C038	Deferred-interest treatment depends on interest accruing but being avoidable, waived, or refunded through full payment by the specified expiration.	Applies regardless of required interim payments. A recurring grace period is excluded. A temporary zero APR is not enough unless interest accrued during the period can become payable.	S007, comment 53(b)-1; S009, § 16(h)(2), comment 16(h)-1.	R; promotional label alone insufficient.
R009-P1-C039	During the relevant deferred-interest period, the balance is treated as having a zero APR for § 53 allocation.	Consequently, equal nominal accrual rates do not necessarily create tied allocation rates. The expiration-period exception remains applicable.	S007, comment 53-4.	R; not a finding that no interest is accruing.
R009-P1-C040	In the default deferred-interest branch, excess goes first to that balance during the two billing cycles immediately preceding expiration; remainder follows § 53(a).	Outside that period, ordinary allocation applies, unless a permitted consumer-request allocation is used. The statutory “entire excess” language is implemented with an express rule for any remainder after the deferred balance is satisfied.	S001, § 1666c(b)(2); S007, § 53(b)(1)(i)–(ii).	S/R; no assumption that “two cycles” equals two calendar months.
R009-P1-C041	Expiration before a cycle’s payment due date changes which cycles count.	That expiration cycle is not one of the two immediately preceding cycles under comment 53(b)-2. Its example gives priority in the preceding two cycles and in the preexpiration portion of the expiration cycle.	S007, comment 53(b)-2; S005, § 2(a)(4).	R; actual cycle/due/expiration dates U.
R009-P1-C042	The issuer is generally not required to follow a consumer’s allocation request.	It may decline requests generally or for failure to meet its requirements, provided default allocation complies with § 53(a) or (b)(1)(i). Missing or unusable requests likewise require default allocation unless corrected.	S007, § 53(b)(1)(ii), comment 53(b)-3.i.	R; no general request-based override.
R009-P1-C043	A qualifying request must be an affirmative consumer instruction, not merely issuer-imposed or preselected language.	Commentary recognizes oral/electronic/written instructions, purpose-built submitted forms, and requests to reallocate a prior payment. Preprinted assent, untouched preselected boxes, and conditioning features/services on an allocation are insufficient examples. Issuer acceptance requirements remain relevant.	S007, comment 53(b)-3.ii–iii.	R.
R009-P1-C044	For a secured balance on a covered not-home-secured card account, the issuer may elect to allocate excess to that balance if the consumer requests it.	This is the specific secured-balance option, not a requirement to comply or permission to import § 53 into a home-equity plan.	S007, § 53(b)(2), comment 53(b)-3.	R; existence and reach of security interest U.
R009-P1-C045	A qualifying § 12(c) claim/defense or § 13 billing-error allegation affects payment allocation.	The issuer must avoid or minimize reducing the disputed amount. The official example permits residual application to it when no other amounts remain; a subsequently established billing error still requires the identified correction. Not every informal complaint is assumed to meet the referenced provisions.	S007, comment 53-3.i–ii.	R; dispute qualification, merits, procedures, and remedies held.

The statutory rule, current regulation, and official commentary must be read together; neither “highest rate first for every dollar” nor “the consumer can always choose” is supported. COMMERCE AND TRADE+5

D. Credit balances and refunds

Claim ID	Area and precise claim	Trigger, conditions, exceptions	Source pinpoint	Status / limit
R009-P1-C046	The credit-balance rule is triggered by a credit balance in excess of $1, created through the specified categories.	Categories include funds above the total balance due, rebates of unearned finance charges/insurance premiums, and amounts otherwise owed to or held for the consumer. An excess above the minimum alone does not establish this.	S002, § 1666d opening clause; S008, § 11(a).	S/R; actual ledger balance U.
R009-P1-C047	A qualifying credit balance must be credited to the consumer’s account.	This is separate from the request-based refund and aged-balance effort. The provision does not make cash refund immediate in every case.	S002, § 1666d(A); S008, § 11(a)(1).	S/R.
R009-P1-C048	The statute requires refund upon request; the regulation specifies refund of the remaining credit balance within seven business days after receipt of a written request.	The written-request and seven-business-day details appear in the regulation, not the statutory wording. Whether a particular electronic communication legally constitutes the required writing is not determined here.	S002, § 1666d(B); S008, § 11(a)(2).	S/R; request form/receipt U.
R009-P1-C049	The ordinary § 2(a)(6) business-function definition governs the § 11(a)(2) period.	It asks when the creditor’s offices are open to the public for substantially all business functions; limited bill-payment/deposit services alone do not establish that. Section 10(d)’s mail-specific definition is not imported.	S005, § 2(a)(6), comment 2(a)(6)-1; S008, § 11(a)(2).	R; no calendar calculated.
R009-P1-C050	A creditor may satisfy the obligation earlier, including by immediate refund, refund before written request, or refund on oral/electronic request.	These permitted compliance methods do not erase the mandatory written-request trigger or establish that every oral request starts the same seven-business-day clock.	S008, comment 11(a)-1.i–iii.	R; electronic-writing characterization held.
R009-P1-C051	The creditor need not honor standing orders requesting refunds of future credit balances.	This concerns prospective standing orders; it is not a general exception to a qualifying request for an existing credit balance.	S008, comment 11(a)(2)-1.	R.
R009-P1-C052	Refund amount is the remaining credit balance at the time refund is required.	Intervening purchases or other debits, including amounts not yet shown on a periodic statement, may decrease or eliminate it. Their underlying validity is not established merely by appearing in a ledger.	S008, comment 11(a)-2.	R/I; debit validity U.
R009-P1-C053	A credit balance remaining for more than six months requires a good-faith refund effort.	Statutory channels are cash/check/money order; the regulation also lists credit to the consumer’s deposit account. This duty is not conditional on a new written request.	S002, § 1666d(C); S008, § 11(a)(3).	S/R.
R009-P1-C054	“Unlocated consumer” requires more than a stale address on file.	Positive steps are required, including necessary tracing through the last-known address or telephone number, or both. The text’s no-further-action condition requires unknown current location and inability to trace through those sources.	S002, § 1666d(C); S008, § 11(a)(3), comment 11(a)(3)-1.	S/R; adequacy of an actual effort U.
R009-P1-C055	An unsuccessful qualifying good-faith effort can exhaust the further duties imposed by § 11; an unsuccessful early effort need not be repeated merely at six months.	The ultimate disposition of an unsuccessful-refund balance, or a balance of $1 or less, remains governed by other applicable law. This is not creditor ownership or debt-forfeiture authority.	S008, comments 11(a)-1.iv and 11(a)(3)-2.	R; property/unclaimed-property law held.
R009-P1-C056	Closure alone supplies no express exception to § 11(a)’s credit-balance duties and no express new immediate-cash deadline.	This is a textual inference from § 1666d and § 11(a); the separately stated termination provisions do not supply either proposition. Particular closure, security-deposit, or contract obligations remain unexamined.	S002; S008, § 11(a)–(b).	I; broader closure consequences U.
R009-P1-C057	Zero balance, an unposted payment, a merchant dispute, and a settlement discount are not interchangeable with an established credit balance.	A merchant credit or other adjustment can contribute to a credit balance once legally/accountingly owed, but the label or allegation alone does not establish money held for the consumer.	S002, opening clause; S006, § 10; S008, § 11(a).	I; underlying merits and accounting U.

The statute–regulation differences are substantive enough that the seven-business-day period, written request, and deposit-account refund method should be attributed to the regulation rather than silently inserted into the statutory text. govinfo.gov+3

E. Generic forms, proof, and version limits

Claim ID	Area and precise claim	Trigger, conditions, exceptions	Source pinpoint	Status / limit
R009-P1-C058	G-18(D) illustrates placement/proximity of payment information; it is not an account agreement or universal processing instruction.	Appendix G allows adjustment for charge-card/revolving features. G-18(F)/(G) contain some optional information and formats. No sample amount, rate, or date was adopted as law.	S010, comments 9–10; S009, § 7(b)(13).	R; complete F/G images not inspected.
R009-P1-C059	An outstanding deferred-interest balance has a periodic-statement expiration disclosure requirement.	Under § 7(b)(14), the full-payment date must appear on the front of a page of each statement issued during the period, beginning with the first statement reflecting the transaction; wording substantially similar to G-18(H).	S009, § 7(b)(14); S010, G-18(H).	R; disclosure is not an actual receipt or payoff determination.
R009-P1-C060	The worksheet’s evidence categories are analytical needs, not newly asserted statutory document-production duties or universal evidentiary presumptions.	A statement may show requirements and dates; it does not alone establish delivery of a particular payment or the legal correctness of every balance/rate.	S006–S010, compared by function.	I; admissibility, burdens, and records requests excluded.
R009-P1-C061	Currentness verification is bounded by the actual retrieved versions and failures.	Historical final rules establish specified historical implementation; metadata/search descriptions do not replace current operative bodies. No full repeal/stay/vacatur/session-law audit is claimed.	S001–S017 and the retrieval log.	Observed research limitation; not legal acceptance.

4. Clock and proof comparison

No actual or hypothetical calendar deadline is calculated in this report. Periods below are the source-prescribed periods; the trigger and calendar must be established before any application.

Event / clock	Trigger and prescribed treatment	Calendar or measurement rule	Evidence categories needed for a later authorized analysis	Claim links
Ordinary payment crediting	Payment received; generally credit as of that date.	Not a particular posting date; no-charge and paragraph (b) exceptions.	Method, receipt event, effective-credit date, charges attributable to delay.	C012–C016
Website scheduling	Date the creditor is authorized to effect payment.	Immediate instructions after permitted cutoff move to next business day under comment 10(a)-2.iv.	Authorization content, selected execution date, timestamp, cutoff/location.	C016, C018
Accepted nonconforming payment	Receipt of an accepted payment failing properly specified requirements.	Within five days; source does not say five business days.	Statement requirements, acceptance, actual nonconformity, promoted-method facts.	C020–C021
Assisted branch payment	Payment before qualifying branch/office closes.	Same-day receipt; branch closing may precede 5 p.m.	Financial-institution issuer, accepted location, employee involvement, closing time.	C022–C024
No mail accepted on due date	Due date is a day creditor does not receive/accept mail payments.	Next business day for this paragraph means next mail-receipt/acceptance day. Other channels have their own exception.	Due date, mail schedule, chosen channel, receipt date.	C026–C027
Correction of crediting-caused charges	Failure to credit under § 10(a)/(b) causes covered charges.	Credit those charges during the next billing cycle.	Required crediting date, imposed charge, causal connection, cycle boundaries.	C025
Material payment-procedure change	Effective change causes material delay.	Specified 60-day period after change. Retail notice branch separately uses 60 days after transmission of first statement showing the charge.	Change effective date, affected procedure, causal delay, statement transmission and notice dates.	C030–C032
Excess allocation	Payment exceeds required minimum on a covered account.	Allocation uses a permitted rate/balance reference date; no separate universal waiting period is created by § 53.	Minimum, payment, separate balances/rates, chosen reference-date practice, exceptions.	C034–C045
Deferred-interest priority	Relevant promotion approaches expiration.	Two billing cycles, with the expiration-before-due-date interpretation.	Promotion terms, expiration date, cycle boundaries, each cycle’s due date, requests.	C038–C043
Requested credit-balance refund	Receipt of qualifying written request for an existing credit balance.	Seven business days, using the applicable business-function test.	Credit-balance creation, request form/receipt, business-function schedule, intervening debits, refund.	C046–C052
Aged credit balance	Qualifying credit balance remains for more than six months.	Good-faith effort; not a fixed substitute mailing deadline derived here.	Age of remaining credit, prior efforts, permissible return channel, tracing evidence.	C053–C055

These clocks cannot be combined into a single “payment processing period.” In particular, a five-day nonconforming-payment rule is not a seven-business-day refund rule, and a mail-specific next-business-day definition does not supply the refund calendar. Consumer Financial Protection Bureau+4

5. Necessary generic model material

The complete G-18(H) model clause read was:

“You must pay your promotional balance in full by [date] to avoid paying accrued interest charges.”

This is a generic disclosure of the promotion’s full-payment condition. It does not establish the date for an actual promotion, the amount needed to satisfy it, whether a payment arrived, or which billing cycles receive priority. The operative statement requirement comes from § 1026.7(b)(14), and allocation comes from § 1026.53. Consumer Financial Protection Bureau+1

G-18(D) was examined only as the official payment-information sample. The instructions explain its proximity purpose and permit distinguishing charge and revolving features. No actual creditor statement, generic creditor contract, or account-identifying document was queried. Full G-18(F)/(G) forms were not claimed as visually reviewed. Consumer Financial Protection Bureau

6. Clearly hypothetical qualitative failure branches

All facts below are stipulated teaching assumptions. There are no real or invented person, provider, account, property, or case identifiers. “Evidence needed” describes why an application would remain uncertain; it is not an instruction to search for, request, or obtain actual records.

Example	Stipulated facts	Provision-specific result versus unknown	Evidence needed	Adverse misclassification to avoid
E01 — Sent, not received	A consumer mails a payment using the designated address; creditor receipt is not established.	Section 10’s receipt-based crediting date cannot be fixed from mailing alone. Whether a separate payment-procedure-change protection applies is also unknown.	Receipt evidence, method requirements, any relevant address change.	Treating a postmark as conclusive timely receipt. C014–C015, C030.
E02 — Conforming timely receipt	A covered payment reaches the creditor before its valid cutoff, meets requirements, and is posted later.	It generally must be credited as of receipt. Later posting alone is not the violation. Whether the amount satisfies the minimum or avoids all interest remains separate.	Effective-credit date, amount required, resulting charges.	Equating posting delay with unlawful crediting, or timely minimum payment with interest forgiveness. C012–C014, C033.
E03 — Accepted nonconforming payment	Requirements were properly specified with the statement; payment fails them, is accepted, and uses no promoted method.	The five-day receipt rule can apply; the commentary permits intervening finance-charge accrual in this branch. Actual charge legality beyond that remains unknown.	Requirements, defect, acceptance, receipt/credit dates.	Applying ordinary same-day effective crediting without testing the exception—or calling the allowance five business days. C021.
E04 — Promoted telephone channel	A creditor advertises telephone payment, and a payment is made through it within the applicable conditions.	The promoted-method rule prevents treating it as nonconforming merely because it was not mailed with a stub. Actual completion/receipt still matters.	Promotion, call/payment completion, cutoff, effective credit.	Automatically granting five days because the payment was not mailed. C018, C020.
E05 — Minimum plus excess	A covered account has two different-rate balances; payment exceeds the required minimum; no special exception applies.	Section 53 directs the excess by descending APR. It does not establish how the minimum portion was allocated.	Minimum, balance/rate schedule, reference-date practice.	Applying highest-rate-first to every dollar or assuming the minimum necessarily goes to the lowest rate. C034–C036.
E06 — Deferred-interest expiration	A qualifying deferred-interest balance remains; the promotion expires before the due date in its expiration cycle; issuer does not accept allocation requests.	Comment 53(b)-2 changes which two cycles count and preserves priority for relevant preexpiration payments. No actual dates are computed.	Exact expiration, cycle boundaries, due dates, receipt/allocation history.	Counting “two months back” without the due-date relationship, or treating deferred accrual rate as the current ranking rate. C038–C041.
E07 — Equal-rate balances	Two balances share an APR; a third bears a higher APR; no deferred-interest, secured-request, or dispute exception applies.	After required priority to the higher-rate balance, the commentary generally leaves the method among tied balances unspecified.	Rates at the issuer’s permitted reference date; other governing terms/law.	Calling every non-pro-rata tie allocation a § 53 violation. C036–C037.
E08 — Requested credit balance	An actual credit balance exceeding $1 exists and a written refund request is received.	Section 11(a)(2)’s seven-business-day period applies, subject to the remaining credit balance when refund is required. No date is calculated.	Request receipt, creditor business functions, intervening debits, refund action.	Substituting seven calendar days, starting from request dispatch, or refunding an assumed original amount despite intervening activity. C046–C052.
E09 — Consumer cannot be located	A qualifying balance remains more than six months; a statement address is stale, but no tracing effort is established.	Stale address alone does not establish the no-further-action condition. Positive good-faith steps remain material. Ultimate disposition under other law is unknown.	Efforts through last-known address/telephone, their results, remaining balance.	Treating returned mail as automatic creditor ownership. C053–C055.
E10 — Business-purpose card	The card was issued for business purposes and occasionally used personally.	The commentary does not extend the consumer payment/allocation/refund rules merely because of those purchases. Contract or other-law protections are not decided.	Issuance purpose and governing legal classification.	Applying the full consumer-card regime transaction by transaction. C008.
E11 — Home-equity card access	A § 1026.40 home-equity plan is accessed through a card.	It is excluded from the narrow § 53 account definition; general covered open-end crediting/refund duties are not thereby erased.	Plan classification, applicable general duties, security facts.	Applying § 53 automatically—or concluding that no payment rules apply. C005, C011.
E12 — Branch payment versus slot	One payment is made with a teller before a qualifying branch closes; another is placed in a mail slot without employee assistance.	The first falls within the described in-person rule. The second does not obtain that treatment merely from being at the same building; other receipt rules still govern.	Assistance, location, acceptance policy, closing time, actual collection/receipt.	Treating every branch deposit as assisted in-person receipt. C022–C024.
E13 — Mail closure, electronic availability	No mail is accepted on the due date, but the creditor accepts electronic payments that day; payment is made electronically the next business day.	Section 10(d)(2) does not require that electronic payment to be treated as timely merely because mail was closed. Other protections are not decided.	Channel availability, cutoff, due date, receipt.	Extending a mail-specific protection to every payment method. C026–C027.
E14 — Secured-balance request	A covered not-home-secured card contains a secured balance; consumer affirmatively requests excess allocation to it.	Section 53(b)(2) allows the issuer to elect that allocation. Request alone does not compel it.	Security scope, request, issuer acceptance, default allocation if declined.	Treating all secured cards as excluded or treating the request as mandatory. C042–C044.
E15 — Qualifying disputed amount	A stipulated qualifying § 12(c) claim or § 13 billing-error allegation affects part of a balance.	The allocation must avoid or minimize reducing that amount; the official example allows a residual application when nothing else remains. Merits and procedural compliance are not decided.	Qualifying dispute predicate, affected amount, other balances, final disposition.	Saying either “disputed amounts can never receive payment” or “highest rate always controls despite the dispute.” C045.
E16 — Closure and ledger adjustment	An account closes with an asserted consumer credit; later activity may reduce that credit.	Closure alone supplies neither a refund exemption nor an immediate cash deadline under the examined rule. The amount actually owed, request trigger, and lawful intervening debits remain necessary.	Credit creation, valid later entries, request/age, closure terms, other law.	Equating closure with forfeiture, or assuming a settlement discount is refundable cash. C046, C052, C056–C057.
E17 — Payment procedure changed	An issuer materially changes an accepted payment route; the change causes a late payment during the relevant period.	The § 10(f) branch must be tested, including the separate retail notice mechanism if applicable. Ordinary no-grace interest is not automatically a prohibited late-payment charge.	Effective change, causation, charge type, statement transmission, notice timing.	Treating every address change as a blanket 60-day payment holiday. C030–C032.

7. Blank generic document-audit worksheet

Every entry remains blank. This is an analytical worksheet, not a request for actual documents or identifiers. No field authorizes a record search, contact, or account action.

Field	Blank entry	What the field would establish	Claim links
W01 — Applicable jurisdiction and source version	______	Federal version applicable to the event; other jurisdictions still held.	C061
W02 — Consumer/commercial purpose classification	______	Whether the consumer operational regime applies.	C001, C008
W03 — Plan and device type	______	Open-end/card/charge/non-card/hybrid distinction.	C002, C005–C007
W04 — Home or other security	______	Narrow account exclusion versus secured-balance option.	C005, C011, C044
W05 — High-value exemption history	______	Opening commitment, initial extension, later changes, relevant period’s threshold.	C009–C010
W06 — Relevant actor roles	______	Creditor, issuer, agent, creditor processor, consumer-selected payor.	C003–C004, C015, C029
W07 — Payment method	______	Mail, issuer website, telephone, transfer, assisted branch, other.	C014–C024
W08 — Stated receipt requirements	______	Reasonableness, statement specification, accepted media/location.	C018–C021
W09 — Creditor promotion of method	______	Conforming-method treatment.	C020
W10 — Receipt event and proof category	______	Receipt rather than dispatch, posting, or bank collection.	C013–C017
W11 — Instruction and authorized execution dates	______	Scheduled website payment distinction.	C016
W12 — Cutoff, specified location, time zone	______	Applicable permitted receipt cutoff.	C018, C022
W13 — Branch status, assistance, and closing time	______	Special in-person conditions.	C022–C024
W14 — Acceptance of nonconforming payment	______	Whether the five-day branch is available.	C021
W15 — Due-date mail acceptance and other channels	______	Channel-specific next-business-day rule.	C026–C027
W16 — Effective-credit date, posting date, available credit	______	Separating three operational events.	C013, C033
W17 — Charge caused by crediting delay and adjustment	______	Causation and next-cycle correction.	C025
W18 — Payment amount and required minimum	______	Whether an excess exists; no minimum formula assumed.	C034–C035
W19 — Separate balances and applicable rates	______	Allocation order at a permissible reference date.	C034, C036–C037
W20 — Issuer reference-date practice	______	Cycle-end/payment-date/intervening-date method and consistency.	C036
W21 — Deferred-interest terms and expiration	______	Actual deferred-interest predicate rather than label.	C038–C039
W22 — Cycle boundaries and payment due dates	______	Correct final-two-cycle treatment.	C040–C041
W23 — Consumer allocation request and issuer response	______	Affirmative request, acceptance conditions, usable instruction.	C042–C044
W24 — Qualifying disputed-amount flag	______	Whether the narrow payment-allocation interaction is implicated.	C045
W25 — Credit-balance creation and remaining amount	______	More-than-$1 trigger and consumer-credit accounting.	C046–C047, C052
W26 — Refund-request form and receipt	______	Written-request trigger; electronic-writing question if relevant.	C048, C050–C051
W27 — Creditor business-function calendar	______	Seven-business-day measurement inputs.	C049
W28 — Intervening debits and refund action	______	Remaining credit when refund is required.	C052
W29 — Age of remaining credit and prior efforts	______	More-than-six-month/early-attempt branches.	C053–C055
W30 — Last-known contact tracing and result	______	Good-faith/unlocated-consumer predicate.	C054–C055
W31 — Material payment-procedure change	______	Effective date, delay causation, retail notice branch.	C030–C032
W32 — Closure, contract, and remaining legal questions	______	Matters these provisions do not decide.	C056–C057, C060–C061

8. Granular coverage register

“Answered” means answered at the generic legal scope and retrieved versions stated here. It does not establish actual coverage or satisfy a parent acceptance gate. A next investigation listed below is limited to public legal authorities/generic materials; it does not authorize account, provider, or case-record investigation.

Coverage ID / assigned branch	Status and reason	Claim / example links	Exact missing authority or facts	Next bounded permissible investigation
CV01 — Consumer/open-end gateway	Answered generically.	C001–C002	Actual purpose, plan terms.	Additional public interpretation only if a particular product category is separately assigned.
CV02 — Creditor/card issuer/agent	Answered generically.	C003	Actual agency/issuer relationship.	Published legal treatment of a defined actor category, without entity searches.
CV03 — Cardholder/joint/authorized user	Partial: necessary definition answered; liability and refund ownership excluded.	C004	Agreement, assent, ownership, applicable contract law.	Separate generic joint-obligation/refund-ownership study.
CV04 — General/store/secured/cash-advance/transfer labels	Answered for operational gateway only.	C007; E05, E14	Actual plan and balance features.	Separate subtype-specific public-law pass if needed.
CV05 — Charge cards	Answered for necessary inclusion and operational predicates.	C006	Actual minimum/full-payment requirement and balances.	Charge-card lifecycle issues remain a separate assignment.
CV06 — Home-secured exclusion versus general rules	Answered.	C005, C011; E11	Actual § 40 classification.	Separate home-equity payment allocation/servicing law, without borrowing card rules.
CV07 — Business/mixed use	Answered for the official card-use distinction.	C008; E10	Issuance purpose and any actual conversion.	Narrow public mixed-purpose/conversion interpretation study if assigned.
CV08 — Overdraft/hybrid-prepaid boundary	Partial: express exclusions/exception identified.	C005	Full § 61 feature predicates and product facts.	Separate hybrid-prepaid classification pass.
CV09 — High-value exemption	Answered for necessary 2026 and historical-route gates.	C009–C010	Opening/initial-extension/commitment/security history.	Public historical-version study for a specified period, no account investigation.
CV10 — Date of receipt versus posting	Answered.	C012–C014; E01–E02	Actual receipt/effective credit.	No further generic authority necessary for the stated distinction.
CV11 — Check collection and mailing	Answered; no postmark presumption invented.	C014; E01	Receipt event.	Separate evidentiary-law inquiry only if authorized.
CV12 — Third-party payor	Answered at comment’s scope.	C015	Transfer medium, receipt, agency.	Generic payment-system law only for an expressly assigned unresolved method.
CV13 — Issuer website/scheduled payment	Answered.	C016	Authorized date and cutoff.	None for stated rule; factual application held.
CV14 — Telephone payments	Answered for promoted conformity/cutoff/fee treatment; no universal call-date receipt rule asserted.	C018, C020, C028–C029; E04	Completion and receipt method.	Narrow official interpretation of an assigned telephone mechanism if necessary.
CV15 — Payroll deduction	Answered for specified voluntary arrangement only.	C017	Voluntariness, retained use, debit date.	Full setoff/Regulation E/prepaid treatment excluded.
CV16 — Reasonable requirements/location	Answered.	C018–C019	Statement language and actual reasonableness.	Generic model instructions if a new requirements issue is assigned.
CV17 — Creditor-promoted method	Answered.	C020; E04	Promotion, cutoff compliance, receipt.	None for stated rule.
CV18 — Accepted nonconforming payment	Answered.	C021; E03	Specification, acceptance, defect, timing.	No actual tender investigation authorized.
CV19 — Financial-institution branch	Answered.	C022; E12	Financial-institution status, branch, closing.	Generic actor/category law only.
CV20 — Retail/affiliate/mail-slot distinctions	Answered.	C023–C024; E12	Actual relationship and assistance.	No provider/location lookup authorized.
CV21 — Next-cycle charge adjustment	Answered narrowly.	C025	Causation and billing cycle.	Remedies/awards remain excluded.
CV22 — No-mail day and method exception	Answered.	C026–C027; E13	Mail schedule and channel acceptance.	None for generic rule; no actual calendar calculation.
CV23 — Payment-method fees	Answered at § 1637(l)/§ 10(e) scope.	C028–C029	Live service, expedited crediting, processor role.	Other fee laws remain separate.
CV24 — Material issuer procedure changes	Answered, including retail notice branch.	C030–C032; E17	Change, causation, dates, charge type.	No full change-in-terms report rerun.
CV25 — Available credit/forgiveness	Answered as limits of these provisions.	C033; E02	Other law, agreement, payment finality.	Separate generic available-credit/payment-finality study if assigned.
CV26 — Minimum versus excess	Answered.	C034–C035; E05	Actual minimum and payment.	Minimum-payment law and formulas remain held.
CV27 — Separate balances/rates/reference date	Answered.	C036	Issuer practice and lawful rates.	Rate-change authority remains excluded.
CV28 — Equal rates	Answered for explicit commentary scenario; all-identical inference identified.	C037; E07	Other terms/law or exception.	Narrow tie-allocation authority if additional legal duties are separately assigned.
CV29 — Deferred interest versus zero rate/grace	Answered.	C038–C039	Actual promotion conditions.	No broad APR/grace-period rerun.
CV30 — Last two cycles/expiration before due date	Answered.	C040–C041; E06	Exact cycles, due dates, expiration.	No actual deadline calculation authorized.
CV31 — Consumer request option/default	Answered.	C042–C043	Affirmative instruction, issuer requirements/acceptance.	None for stated rule.
CV32 — Secured-balance request	Answered at narrow federal scope.	C044; E14	Security interest and request.	State security/contract effects remain excluded.
CV33 — Disputed amount	Partial: allocation interaction answered; qualification/merits/resolution excluded.	C045; E15	Full § 12(c)/§ 13 predicates and actual facts.	Separate billing-error/claims-and-defenses component.
CV34 — Credit-balance meaning and dollar threshold	Answered.	C046–C047; E08	Actual total balance/credits/debits.	No account accounting or settlement determination.
CV35 — Written request and seven business days	Answered generically.	C048–C049; E08	Request receipt, business-function calendar.	No actual deadline.
CV36 — Electronic request as legally sufficient writing	Unresolved beyond the commentary’s permitted electronic-refund method.	C048, C050	Applicable electronic-writing authority and form of communication.	Narrow public electronic-writing interpretation study; no request submission.
CV37 — Oral requests/early refunds/standing orders	Answered.	C050–C051	Actual method and existing/future balance distinction.	None for stated rules.
CV38 — Intervening purchases/debits	Answered as refund-amount rule.	C052; E16	Their validity and remaining credit.	Underlying transaction merits held.
CV39 — More-than-six-month effort	Answered.	C053	Credit age and efforts.	No funds tracing or actual account inquiry.
CV40 — Last-known address/unlocated consumer	Answered at statutory/regulatory standard.	C054–C055; E09	Adequacy and outcome of efforts.	Generic unclaimed-property/state law only in a separate authorized pass.
CV41 — Balance of $1 or less	Answered as limit of this section; ultimate disposition unresolved.	C055	Other applicable property law.	Separate jurisdiction-specific public-law study.
CV42 — Closure/zero/unposted/dispute/discount	Partial: distinctions and textual limits answered; lifecycle/accounting consequences held.	C056–C057; E16	Actual closure terms, lawful adjustments, other law.	Separate closure or accounting component.
CV43 — Generic model clauses/instructions	Answered within declared read bounds.	C058–C059	Actual applicable disclosure, not queried.	No need to retrieve unrelated forms.
CV44 — Clock/proof comparison and worksheet	Answered as generic analytical framework.	C060; clock table; W01–W32	All actual dates, documents, and proof.	Evidentiary/admissibility study only if separately authorized.
CV45 — Current official statutory body and full amendment lag	Partial due retrieval failures and declared audit limit.	C061; S014–S016	Successfully retrieved newer statutory body; complete subsequent amendment comparison.	Recheck public official bodies when accessible; compare published amendments and dated editions.
CV46 — Parent product/lifecycle/legal dimensions	Excluded by assignment boundary.	Parent holds below	All unaddressed authorities and actual facts.	Separate bounded components; no parent closure inferred.

9. Question → claim/source crosswalk

Assigned question	Principal claims	Principal sources	Demonstration
1. Necessary coverage and actors	C001–C011	S003, S005, S006–S008, S012	E10–E12, E14; CV01–CV09
2. Payment crediting and limits	C012–C033	S001, S004, S006, selected S009	E01–E04, E12–E13, E17; crediting clock rows
3. Excess allocation and exceptions	C034–C045	S001, S007, selected S005/S009; historical S011	E05–E07, E14–E15
4. Credit-balance refunds and limits	C046–C057	S002, S008, business-day definition in S005	E08–E09, E16
5. Clocks, proof, generic material, worksheet, failure branches	C058–C061 plus relevant operational claims	S005–S013; failure register S014–S017	Clock table; G-18 discussion; E01–E17; W01–W32

10. Read and failure log

Reading block	What was actually completed	What is not claimed
Operative payment-crediting text	Complete § 1026.10(a)–(f), all accompanying inline official comments, and their examples.	No complete Regulation Z or Regulation E examination.
Allocation	Complete § 1026.53 and its official comments, including minimum, reference date, ties, disputes, deferred expiration, secured balances, and request validity.	No lawful-APR determination, rate-change authority, or minimum-payment formula.
Refunds	Complete § 1026.11(a) and its comments; related termination text distinguished. Complete § 1666d body recovered.	No estate-debt, unclaimed-property, security-deposit, or full closure dossier.
Statutes	Complete § 1666c and § 1666d; necessary § 1602/1603 clauses; complete selected § 1637(l), (o).	No current House-body success or complete post-2024 session-law audit.
Coverage commentary	Necessary definitions and consumer/business distinctions read; additional open-end threshold conditions recovered from the final rule.	No classification of any actual account or institution.
Model material	G-18(H) text, G-18(D) image and explanatory instructions, selected F/G instructions.	No actual statement; no unseen complete F/G image review.
Historical final rule	Effective/mandatory-compliance text and selected allocation explanation read.	No assertion that all 268 pages were read or that historical Part 226 is the current operative citation.
2026 threshold final rule	Effective date, 2026 threshold, and materially relevant open-end exemption commentary read.	No adoption of surrounding Regulation M/FCRA provisions appearing on shared pages.
House failures	Eight alternate public routes recorded in S014.	Search results were not promoted to statutory body evidence.
GovInfo format failures	Failed HTML routes recorded; relevant 2024 PDF bodies recovered.	Failed 2025 routes do not prove publication/nonpublication of a 2025 edition.
eCFR Supplement I failure	Full-page retrieval exceeded size limit; necessary comments read through official agency presentations.	No complete eCFR Supplement I retrieval or full official annual CFR edition review.
Version discrepancy	Initial § 11 packet’s April 21 banner distinguished from later October 23 packet.	No silent conflation of cache/version metadata.
Unused material	Unopened secondary results, proposed-rule search results, ancillary § 1666j exploration, and the incomplete § 13 exploration were not foundations.	No withdrawal, repeal, litigation, or later-history conclusion derived from those discovery results.

11. Researcher self-check — not independent review

Check	Result
General open-end versus narrow card-account scope kept separate	Checked; C005–C011.
Charge cards distinguished from commercial cards and home-equity access cards	Checked; no blanket inclusion/exclusion by marketing name.
Receipt, posting, collection, and available credit separated	Checked; C013–C017, C033.
No universal postmark rule or universal business-day definition	Checked.
Five-day nonconforming allowance conditioned on specification, acceptance, and promoted-method exception	Checked.
Minimum-payment allocation not inferred from excess-only rule	Checked; C035.
Deferred interest distinguished from true zero-rate promotions and recurring grace periods	Checked.
Final-two-cycle rule includes expiration-before-due-date interpretation	Checked; C041.
Request option distinguished from issuer obligation; invalid preselection examples retained	Checked.
Secured-balance and qualifying-dispute allocation branches retained	Checked.
Credit-balance threshold strictly exceeds $1	Checked; no “$1 or more” substitution.
Written-request refund period and aged-balance effort separated	Checked.
Unlocated-consumer limit does not become creditor ownership	Checked.
Statute, regulation, official interpretation, model material, and historical final rule labeled distinctly	Checked.
PDF text versus inspected image extent stated	Checked; no whole-form/pixel claim inferred from extraction.
Actual account/person/provider/case searches, contacts, filings, purchases, account changes, or publication	None performed.
Other reports, subagents, local coordinator files, hashes, or import records	None used or created for this investigation.
Individual deadline, legal APR, award, liability, or creditworthiness calculation	None made.
Currentness gaps preserved	Checked; no full current-edition/session-law audit claimed.

12. Specific parent holds and remaining limits

This pass preserves all actual agreement, account, receipt, assent, default, balance, rate-validity, payment-finality, ownership, security, and creditworthiness facts. It does not determine whether an actual payment satisfied a contractual obligation, whether a particular electronic request qualifies as a writing, whether an actual tracing effort was adequate, or who owns a refund on a joint or otherwise shared account.

The following remain outside this component: origination; underwriting; rate-change authority; general late-fee law beyond the necessary § 10 interactions; full billing-error resolution; credit reporting; setoff; collection; settlement; charge-off consequences; limitations; damages and remedies; litigation, standing, admissibility, or filing questions; taxes; insolvency; and state, local, tribal, international, and country-specific law.

The general/store/secured/charge/business/cash-advance/transfer/promotional/joint/closed-with-balance product families have been addressed only to the extent needed for these payment operations. Every other A009 product and lifecycle dimension remains open. The current House statutory-body retrieval gap and complete amendment-lag audit remain explicit source limitations.

No component, parent, operational, or publication acceptance is asserted.

END R009 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.

How to read the research →

Captured table 01

Subject · Supported finding · Boundary that must remain visible · 8 data rows

Subject	Supported finding	Boundary that must remain visible
Crediting	Generally credit a payment as of receipt, with the exceptions in § 1026.10.	Posting, receipt, collection of a check, available credit, and debt forgiveness are different questions.
Conforming payment	Reasonable requirements and method-specific cutoffs matter. A creditor-promoted method generally produces conforming payments when the applicable conditions are met.	The creditor cannot automatically invoke the nonconforming-payment delay for a method it promotes.
Nonconforming payment	When qualifying requirements were specified on or with the statement and a nonconforming payment is accepted, crediting is generally required within five days of receipt.	The provision says “days,” not “business days”; it is not a universal five-day processing allowance.
Excess allocation	Ordinarily allocate the amount above the required minimum to balances in descending APR order.	Minimum-payment allocation is not prescribed by this general excess-only rule.
Deferred interest	Special treatment applies during the promotion, including priority near expiration.	A true zero-rate promotion and a recurring grace period are not automatically deferred-interest programs.
Consumer allocation requests	Specified deferred-interest and secured-balance exceptions permit issuer acceptance of consumer instructions.	The issuer generally may decline a request and follow the applicable default rule.
Credit balance	A qualifying credit balance exceeding $1 must be credited, with request-based and aged-balance refund duties.	An excess payment above the minimum, a zero balance, or a disputed merchant charge is not necessarily a refundable credit balance.
Refund clocks	Written-request receipt starts the seven-business-day rule; more than six months of remaining credit balance triggers a good-faith effort.	These are different triggers. Neither supplies a universal immediate cash-refund rule on closure.

Captured table 02

Source ID · Issuer/title and complete literal HTTPS URLs · Exact clauses and actual read bounds · 13 data rows

Source ID	Issuer/title and complete literal HTTPS URLs	Exact clauses and actual read bounds	Page / PDF index / image extent	Version, effective predicate, and currentness limit
R009-P1-S001	GPO, 15 U.S.C. § 1666c, Prompt and fair crediting of payments. https://www.govinfo.gov/content/pkg/USCODE-2024-title15/html/USCODE-2024-title15-chap41-subchapI-partD-sec1666c.htm	Fresh; complete operative subsections (a), (b)(1)–(2), and (c), plus displayed amendment/effective-date notes; HTML lines 9–44.	HTML; page/index N/A.	Official 2024 edition. The 2009-amendment note states nine months after May 22, 2009, except as otherwise specified. S011 independently establishes the relevant 2010 regulatory compliance date. Current House-body gap remains.
R009-P1-S002	GPO, 15 U.S.C. § 1666d, Treatment of credit balances. https://www.govinfo.gov/content/pkg/USCODE-2024-title15/pdf/USCODE-2024-title15-chap41-subchapI-partD-sec1666d.pdf. Same text also recovered through https://www.govinfo.gov/link/uscode/15/1666d.	Fresh; complete § 1666d, including its three credit-creation categories, duties (A)–(C), and displayed 1980 amendment/transition notes; PDF text lines 26–63. Adjacent §§ 1666e–f were not adopted as additional research conclusions.	Printed 1542, PDF 0. Page image retrieved; the § 1666d block was inspected. No broader Code-volume image review.	Official 2024 edition established by the edition-specific URL; the generic link is duplicate access, not a second authority. Historical amendment note is not an account-specific effective-date calculation.
R009-P1-S003	GPO, 15 U.S.C. §§ 1602 and 1603. https://www.govinfo.gov/content/pkg/USCODE-2024-title15/html/USCODE-2024-title15-chap41-subchapI-partA-sec1602.htm; https://www.govinfo.gov/content/pkg/USCODE-2024-title15/html/USCODE-2024-title15-chap41-subchapI-partA-sec1603.htm	Fresh selected bodies: § 1602(d)–(g), (i)–(j), (l), (n)–(o), and (s); § 1603(1) and (3), with surrounding exemption text read for context. No complete TILA-definition survey claimed.	HTML; N/A.	Official 2024 edition. The annually adjusted regulatory threshold is established separately by S005/S012; the statutory base amount is not presented as the 2026 threshold.
R009-P1-S004	GPO, 15 U.S.C. § 1637, Open end consumer credit plans. https://www.govinfo.gov/content/pkg/USCODE-2024-title15/pdf/USCODE-2024-title15-chap41-subchapI-partB-sec1637.pdf	Fresh selected bodies: complete (l), payment-method fees, and (o)(1)–(2), due dates and mail nonreceipt days; text lines 907–915 and 942–951. Other § 1637 subjects are not findings of this pass.	Printed 1488, PDF 8; selected parsed text read, not page pixels.	Official 2024 edition; current statutory-body limitation applies.
R009-P1-S005	CFPB, Regulation Z scope, definitions, exemptions. https://www.consumerfinance.gov/rules-policy/regulations/1026/1/; https://www.consumerfinance.gov/rules-policy/regulations/1026/2/; https://www.consumerfinance.gov/rules-policy/regulations/1026/3/	Fresh selected operative bodies and relevant inline interpretations: § 1(c); § 2(a)(4), (6)–(8), (10)–(12), (14)–(15), relevant (17), and (20); § 3(a), (b), especially comments 3(a)-1–3, -7, -9 and 3(b)-3–4. Remaining threshold commentary material recovered in S012.	HTML; N/A.	Publisher-marked current regulation; Part-version metadata in S013. This is a necessary coverage study, not every exemption or every hybrid-prepaid feature.
R009-P1-S006	CFPB/OFR, 12 C.F.R. § 1026.10, Payments, with Supplement I. https://www.consumerfinance.gov/rules-policy/regulations/1026/10/; https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-B/section-1026.10	Fresh; complete (a)–(f) and all inline comments: 10(a)-1–2; 10(b)-1–7; 10(d)-1–2; 10(e)-1–4; 10(f)-1–5, including examples. CFPB body lines 56–166; eCFR operative body lines 103–133.	HTML; N/A.	CFPB current label; retrieved eCFR title banner through 2026-10-22. No particular-date posting mandate inferred.
R009-P1-S007	CFPB/OFR, 12 C.F.R. § 1026.53, Allocation of payments, with Supplement I. https://www.consumerfinance.gov/rules-policy/regulations/1026/53/; https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-G/section-1026.53	Fresh; complete (a), (b)(1)(i)–(ii), (b)(2); complete comments 53-1–5 and 53(b)-1–3, including their examples and invalid-request examples. CFPB body lines 55–125; eCFR lines 103–110.	HTML; N/A.	CFPB current label; retrieved eCFR title banner through 2026-10-22. Comments 53-1–5 are section-level comments, not invented “53(a)” paragraph numbers.
R009-P1-S008	CFPB/OFR, 12 C.F.R. § 1026.11, Treatment of credit balances; account termination, with Supplement I. https://www.consumerfinance.gov/rules-policy/regulations/1026/11/; https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-B/section-1026.11	Fresh; complete (a)(1)–(3) and comments 11(a)-1–2, 11(a)(2)-1, 11(a)(3)-1–2. Paragraph (b) and its comment read to distinguish termination. Estate-debt subsection (c) excluded from substantive analysis.	HTML; N/A.	Later retrieved eCFR packet through 2026-10-23; earlier packet displayed 2026-04-21 and is preserved as an access discrepancy, not silently treated as current.
R009-P1-S009	CFPB, necessary adjacent provisions. https://www.consumerfinance.gov/rules-policy/regulations/1026/5/; https://www.consumerfinance.gov/rules-policy/regulations/1026/7/; https://www.consumerfinance.gov/rules-policy/regulations/1026/16/	Fresh selected text: comment 5(b)(2)(ii)-2, meaning of treating payment as late; 7(b)(13)–(14) and corresponding format comment; 16(h)(2) and comment 16(h)-1. Surrounding text was viewed, but broad statement-timing, advertising, and billing-dispute regimes are not adopted here.	HTML; N/A.	Agency current-label text, subject to S013 and the stated currentness limits.
R009-P1-S010	CFPB, Appendix G, Open-End Model Forms and Clauses. https://www.consumerfinance.gov/rules-policy/regulations/1026/g/; G-18(D) image: https://files.consumerfinance.gov/eregulations/ER22DE11.026-2.png	Fresh; Appendix G comments 8–10, G-18(D) payment-information sample, and complete G-18(H) deferred-interest clause. G-18(F)/(G) instructions read, but their complete images were not inspected.	G-18(D): one image surface, no PDF page/index. G-18(H): HTML text. No unseen full-form review claimed.	Generic official model material, not evidence of any creditor’s contract, statement, rate, fee, or actual deadline.
R009-P1-S011	Federal Reserve/GPO, Truth in Lending, final rule, 75 FR 7658, February 22, 2010. https://www.govinfo.gov/content/pkg/FR-2010-02-22/pdf/2010-624.pdf	Fresh selected reading: action/effective/mandatory-compliance text; allocation discussion beginning at § 226.53 and continuing through the minimum, rate-date, dispute, and equal-rate explanation. Not a read of all 268 pages.	Printed 7658, PDF 0, image inspected; selected text at 7726–7727, PDF 68–69. Other search-returned passages are not asserted as whole-page reads.	Historical final rule, not current Part 1026 text. Effective February 22, 2010; listed § 226.10 and §§ 226.51–58 had that mandatory compliance date. Used for historical implementation, not to override current text.
R009-P1-S012	Federal Reserve/CFPB/GPO, Truth in Lending (Regulation Z), final rules; official interpretations, 90 FR 57882, December 15, 2025. https://www.govinfo.gov/content/pkg/FR-2025-12-15/pdf/2025-22814.pdf	Fresh selected reading: action/effective clause, 2026 threshold explanation, and operative CFPB comments 3(b)-3.xvii, -4, -6(i), -7, -8. Surrounding closed-end commentary was encountered but not made a new closed-end investigation.	Printed 57882–57883, PDF 0–1, selected text; 57887–57888, PDF 5–6, selected operative text. Image 5 inspected.	Final and effective January 1, 2026; states $73,400 for January 1–December 31, 2026. No future-year threshold inferred.
R009-P1-S013	CFPB, All versions of 12 CFR Part 1026. https://www.consumerfinance.gov/rules-policy/regulations/1026/versions/10/	Fresh metadata reading, especially the current-version entry.	HTML; N/A.	Lists April 8, 2026 as current. A Part-level version index is not a section-specific amendment history, official annual CFR edition, or complete lag audit.

Source links captured in this table

Captured table 03

Source ID · Complete literal HTTPS URLs attempted · Actual result and effect · 4 data rows

Source ID	Complete literal HTTPS URLs attempted	Actual result and effect
R009-P1-S014	House current/preliminary routes: a. https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title15-section1666c&num=0&edition=prelim; b. https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title15-section1666d&num=0&edition=prelim; c. https://uscode.house.gov/us/usc/t15/s1666c/; d. https://uscode.house.gov/us/usc/t15/s1666d/; e. https://uscode.house.gov/view.xhtml?req=%28title%3A15+section%3A1666c+edition%3Aprelim%29; f. https://uscode.house.gov/view.xhtml?req=%28title%3A15+section%3A1666d+edition%3Aprelim%29; g. https://uscode.house.gov/us/usc/119-134/t15/s1666c/; h. https://uscode.house.gov/us/usc/119-134/t15/s1666d/	a–b and f returned fetch/404 failures; c–d and g–h were inaccessible through the tool; e returned a maintenance page. Newer compilation descriptions appeared in search results but were discovery only. Current House operative bodies not recovered.
R009-P1-S015	GovInfo unsuccessful HTML routes: a. https://www.govinfo.gov/content/pkg/USCODE-2025-title15/html/USCODE-2025-title15-chap41-subchapI-partD-sec1666c.htm; b. https://www.govinfo.gov/content/pkg/USCODE-2025-title15/html/USCODE-2025-title15-chap41-subchapI-partD-sec1666d.htm; c. https://www.govinfo.gov/content/pkg/USCODE-2024-title15/html/USCODE-2024-title15-chap41-subchapI-partD-sec1666d.htm; d. https://www.govinfo.gov/content/pkg/USCODE-2024-title15/html/USCODE-2024-title15-chap41-subchapI-partB-sec1665d.htm; e. https://www.govinfo.gov/content/pkg/USCODE-2024-title15/html/USCODE-2024-title15-chap41-subchapI-partD-sec1666j.htm; f. https://www.govinfo.gov/content/pkg/USCODE-2024-title15/html/USCODE-2024-title15-chap41-subchapI-partB-sec1637.htm	All returned inaccessible results. a–b did not establish a 2025 edition. c and f were recovered in edition-specific PDFs. d was an unsuccessful exploratory citation route and supplies no conclusion. e was followed by the PDF in S017; it was not the payment-method-fee authority. Correct fee authority was recovered in § 1637(l), S004.
R009-P1-S016	OFR, full Supplement I: https://www.ecfr.gov/current/title-12/chapter-X/part-1026/appendix-Supplement%20I%20to%20Part%201026	Retrieval failed because content exceeded the tool’s size limit. This was not treated as absence of official commentary. Necessary comments were read in the CFPB section bodies; additional threshold text was read in S012.
R009-P1-S017	Auxiliary opened routes: https://www.govinfo.gov/content/pkg/USCODE-2024-title15/pdf/USCODE-2024-title15-chap41-subchapI-partD-sec1666j.pdf; https://www.consumerfinance.gov/rules-policy/regulations/1026/13/; https://www.consumerfinance.gov/rules-policy/regulations/1026/interp-10/; https://www.consumerfinance.gov/rules-policy/regulations/1026/interp-11/; https://www.consumerfinance.gov/rules-policy/regulations/1026/interp-53/; https://www.consumerfinance.gov/rules-policy/regulations/1026/interp-3/	§ 1666j’s selected text concerned state-law applicability and was not used as the fee rule or as a state-law analysis. § 13 was opened/searched but not used as a completed billing-error investigation. Standalone interpretation routes were navigation/duplicate access; the complete payment/refund/allocation comment readings claimed above are the integrated bodies in S006–S008. No separate corroboration count.

Source links captured in this table

Captured table 04

Claim ID · Area and precise claim · Trigger, conditions, exceptions · 11 data rows

Claim ID	Area and precise claim	Trigger, conditions, exceptions	Source pinpoint	Status / limit
R009-P1-C001	Consumer coverage depends on credit primarily for personal, family, or household purposes.	The statutory consumer-transaction definition refers to a natural person; regulatory cardholder and specified trust rules require their own treatment. A consumer-facing label alone is insufficient.	S003, § 1602(i); S005, § 2(a)(11)–(12), comments 2(a)(11)-1, -3 and 2(a)(12)-1.	S/R; actual purpose and status U.
R009-P1-C002	Open-end credit ordinarily requires a plan contemplating repeated transactions, possible finance charges on unpaid balances, and generally replenishing credit.	All three regulatory criteria matter. Card-issuer provisions also bring specified no-finance-charge and closed-end card arrangements within relevant Subpart B rules; “not ordinary revolving credit” is not a universal exclusion from §§ 10–11.	S003, § 1602(g), (j); S005, § 2(a)(17)(iii)–(iv), (20), comments 2(a)(17)(iii)-1, 2(a)(17)(iv)-1, 2(a)(20)-1–5.	S/R; specialized closed-end applications otherwise held.
R009-P1-C003	A card issuer is the issuer or its agent with respect to the card; “creditor” has provision-specific routes.	Mere card production or data processing does not alone establish agency. Section 10(e) separately expands its own creditor definition to specified payment processors.	S003, § 1602(g), (o); S005, § 2(a)(7), (17), comment 2(a)(7)-1; S006, § 10(e).	S/R; agency and actual creditor status U.
R009-P1-C004	Regulatory cardholder status can include a natural person agreeing with the issuer to pay consumer-card obligations issued to another.	The commentary distinguishes a co-obligor/guarantor from a merely authorized user. This definition does not itself decide contract liability, joint ownership, or entitlement to a particular refund.	S005, § 2(a)(8), comment 2(a)(8)-1–4.	R; liability/refund ownership U.
R009-P1-C005	The narrow covered-credit-card-account definition excludes a § 1026.40 home-equity plan accessed by a card and the specified overdraft lines.	The account-number overdraft exclusion has an express exception for a hybrid prepaid-credit card accessing a covered separate credit feature. A debit card without a credit feature is not automatically a credit card.	S005, § 2(a)(15)(i)–(ii), comments 2(a)(15)-2 and -4.	R; full hybrid-prepaid classification held.
R009-P1-C006	A charge card is a credit card for which no periodic rate computes a finance charge; references to covered card accounts in Subparts B and G generally include charge cards.	Particular sections contain express distinctions. Section 53 still requires an actual excess amount and allocable balances; no interest-bearing balance is invented for a charge card.	S005, § 2(a)(15)(iii), comment 2(a)(15)-3; S007, § 53(a).	R/I; product features U.
R009-P1-C007	General-purpose, store, cash-advance, balance-transfer, promotional, and non-home-secured secured-card labels do not independently displace the core coverage tests.	The actual plan, access device, consumer purpose, security, balances, and exemptions control. A secured balance can expressly fall within § 53(b)(2).	S005, § 2(a)(15), (20); S007, § 53(a), (b)(2), comment 53-5.	I anchored in R; no comprehensive subtype acceptance.
R009-P1-C008	Business-purpose cards do not acquire these consumer operational protections merely through occasional personal use; consumer-purpose cards do not lose them through occasional business use.	Section 3(a)’s commercial/organizational exclusions and the limited § 12(a)–(b) exceptions must be distinguished. Those exceptions are not a general extension of §§ 10, 11, or 53 to business cards.	S003, § 1603(1); S005, § 3(a), comments 3-1, 3(a)-2 and 2(a)(8)-4.	S/R; actual mixed-purpose classification U.
R009-P1-C009	The high-value exemption can matter even to an open-end account. The 2026 threshold is $73,400.	The relevant route is an initial extension exceeding the then-applicable threshold or a qualifying firm written commitment at opening—not merely a later displayed balance. Real-property/principal-dwelling security and private-education exceptions must be respected.	S005, § 3(b)(1), comment 3(b)-3.xvii; S012, comments 3(b)-4.i and -6(i).	R; threshold effective Jan. 1–Dec. 31, 2026; actual exemption U.
R009-P1-C010	An exemption’s history matters: initial-extension and firm-commitment routes do not have identical persistence rules.	Reduction of a qualifying commitment can end that route; a qualifying initial extension can preserve exemption despite later reductions. Combining smaller advances is not the same as the specified single initial advance. Later real-property/principal-dwelling security can end an open-end exemption.	S012, comments 3(b)-4.ii–iv, -6(i), -7; legacy transition in -8.	R; no actual opening/history determination.
R009-P1-C011	Exclusion from § 53’s narrow account category does not automatically eliminate general open-end crediting or credit-balance duties.	A covered home-equity line or non-card open-end plan can remain subject to general § 10 and § 11(a) requirements, while § 10(b)(3), § 10(e), and § 53 have their narrower express scopes.	S005, § 2(a)(15)(ii), (17), (20); S006–S008, respective operative clauses.	R; no wholesale application of card-specific rules to HELOCs.

Captured table 05

Claim ID · Area and precise claim · Trigger, conditions, exceptions · 22 data rows

Claim ID	Area and precise claim	Trigger, conditions, exceptions	Source pinpoint	Status / limit
R009-P1-C012	Section 1666c(a) requires prompt posting as specified by regulation and protection against a finance charge when its stated payment conditions are met.	Receipt in readily identifiable form by 5 p.m. on the due date, in the amount, manner, and location indicated to avoid the charge. This is not a rule that every timely minimum payment prevents all interest.	S001, § 1666c(a).	S; read with implementing regulation.
R009-P1-C013	Section 10(a) generally requires crediting as of receipt, not posting on one particular date.	Exceptions: delay produces no finance or other charge, or paragraph (b) applies. Posting date alone therefore does not establish a crediting violation.	S006, § 10(a), comment 10(a)-1.	R.
R009-P1-C014	A check is received when it reaches the creditor, rather than when the funds are collected.	Sending or postmarking is not the identified receipt event. Applicable requirements and cutoffs still matter.	S006, comment 10(a)-2.i; § 10(b).	R/I; no universal postmark rule.
R009-P1-C015	With a consumer-selected third-party payor, receipt generally occurs when the creditor receives that payor’s check or transfer medium.	The payment must satisfy applicable § 10(b) requirements. An instruction to another bank is not automatically receipt by the creditor.	S006, comment 10(a)-2.iii.	R; actual transfer/agency facts U.
R009-P1-C016	An issuer-website payment is received on the date the consumer authorizes the issuer to effect it.	Advance scheduling does not move receipt to the earlier instruction date. An immediate instruction received after 5 p.m. or a later specified cutoff is deemed authorized for the next business day.	S006, comment 10(a)-2.iv.	R; exact method, authorization date, cutoff, and calendar U.
R009-P1-C017	The specified voluntary payroll arrangement uses the debit from the asset account as receipt, not the earlier payroll deposit.	Consumer retains use until the contractual payment date; the commentary separately describes the covered hybrid-prepaid arrangement. This does not establish general setoff or compulsory-autopay authority.	S006, comment 10(a)-2.ii.	R; cross-referenced setoff/prepaid regimes held.
R009-P1-C018	A creditor may prescribe reasonable requirements enabling most consumers to conform.	Examples include an account locator/stub, checks or money orders by mail, U.S. dollars, and a specified address. Ordinary mail/electronic/telephone/in-person cutoffs may not be earlier than 5 p.m. on the due date at the specified receipt location, subject to the branch exception.	S006, § 10(b)(1)–(2).	R; no universal consumer-local-time assumption.
R009-P1-C019	If requirements were not specified, the commentary supplies implied payment guidelines.	Payment at business locations during normal business hours; cash, money order, draft, similar negotiable instrument, or agreed electronic transfer. Comment 10(b)-1 separately flags possible compulsory-EFT restrictions.	S006, comments 10(b)-1 and -4.	R; full Regulation E analysis excluded.
R009-P1-C020	Creditor-promoted payment methods are treated as conforming under § 10(b)(4)(ii).	Promotion can encompass website, telephone, in-person, or specified third-party channels. Applicable permitted cutoffs remain relevant; conformity does not independently prove receipt.	S006, § 10(b)(4)(ii), comment 10(b)-2.i–iv.	R.
R009-P1-C021	An accepted nonconforming payment generally must be credited within five days of receipt.	Qualifying requirements must have been specified on or with the periodic statement. Promoted-method treatment can defeat the asserted nonconformity. Commentary permits finance-charge accrual between receipt and crediting in this branch.	S006, § 10(b)(4)(i)–(ii), comment 10(b)-3.	R; no general duty to accept every defective tender inferred.
R009-P1-C022	Qualifying in-person payments at a financial-institution issuer’s branch/office count as received that day when made before close of business.	Covered not-home-secured consumer card account; accepted branch location; financial institution means bank, savings association, or credit union. Closing time controls, including an earlier-than-5-p.m. closing.	S006, § 10(b)(3)(i)–(ii).	R.
R009-P1-C023	A merchant retail location is not automatically the issuing financial institution’s branch or office.	The commentary specifically addresses merchant-limited and cobranded cards. A merchant payment may still be conforming under other provisions.	S006, comment 10(b)-5; § 10(b)(4)(ii).	R.
R009-P1-C024	Employee assistance and affiliate relationships affect the in-person branch rule.	Teller/employee-assisted payment qualifies; a branch mail slot does not qualify as in-person under this rule. A same-name affiliate accepting issuer-account payments is covered by the stated affiliate interpretation.	S006, comments 10(b)-6–7.	R; factual relationship U.
R009-P1-C025	Improperly delayed crediting that causes finance or other charges requires an account adjustment during the next billing cycle.	The failure must violate § 10(a) or (b) and result in the charges described. This is the section’s account-adjustment duty, not a damages award or complete remedies analysis.	S006, § 10(c).	R.
R009-P1-C026	If the creditor does not receive or accept mail payments on the due date, the next-mail-business-day protection generally applies.	For § 10(d), that next business day means the next day the creditor accepts or receives payments by mail. This is not a universal Monday–Friday definition.	S004, § 1637(o)(2); S006, § 10(d)(1), comment 10(d)-1.	S/R.
R009-P1-C027	A mail-closure extension does not necessarily extend a different payment channel.	If electronic or telephone payments are accepted on the due date, payments made by that channel the next business day need not be treated as timely under § 10(d)(2). Ordinary periodic interest on a no-grace account is not, by itself, late treatment.	S006, § 10(d)(2), comment 10(d)-2; S009, comment 5(b)(2)(ii)-2.	R; other timing protections not decided.
R009-P1-C028	A separate fee for making a payment is generally prohibited on the specified covered card accounts unless the stated expedited-service exception applies.	Section 1637(l) supplies the statutory rule; § 10(e) uses the narrow not-home-secured account category and includes a processor acting for the creditor. A late charge is not classified as this separate payment-method fee merely because payment was late.	S004, § 1637(l); S006, § 10(e), comments 10(e)-1, -4.	S/R; general late-fee legality held.
R009-P1-C029	The § 10(e) exception requires expedited service involving a live representative or agent.	Expedited means same-day crediting, or next-business-day crediting after cutoff. Automated-only service is not a representative; mixed live/automated service may qualify. A consumer’s own transfer service/bill-pay bank is not thereby the creditor’s processor.	S006, comments 10(e)-2–4.	R; exception is not an all-law permission to charge.
R009-P1-C030	A material issuer change in payment address/procedures can prohibit late-payment fees or finance charges during the specified 60-day period.	Required causal link: the change causes material delay. A harmless address-format change or continued successful acceptance at the former address does not establish that predicate.	S001, § 1666c(c); S006, § 10(f), comments 10(f)-1–4.	S/R; change date and causation U.
R009-P1-C031	The retail-location interpretation has a specific notice-based correction mechanism.	If the issuer uses that treatment, notice must reach it no later than 60 days after transmission of the first statement reflecting the affected charge; qualifying charges imposed in the change’s 60-day period must be waived, removed, or equivalently credited.	S006, comment 10(f)-3.ii, -4.vi.	R; the two 60-day triggers must not be merged.
R009-P1-C032	Section 10(f)’s safe harbor and late-payment-charge concept have limits.	The issuer may avoid affected charges for the specified period; waiver/removal/equivalent credit counts. Ordinary periodic interest on an account without a grace period is not automatically a finance charge “for a late payment.”	S006, comments 10(f)-3.i and -5.	R.
R009-P1-C033	The crediting provisions do not themselves establish instantaneous restoration of available credit, cancellation of debt, or a particular allocation of the payment.	This is a limitation of the provisions examined. Other contract, funds-availability, payment-system, or legal requirements may matter.	S006, § 10; S005, comment 2(a)(20)-5; S007–S008.	I; broader duties U.

Captured table 06

Claim ID · Area and precise claim · Trigger, conditions, exceptions · 12 data rows

Claim ID	Area and precise claim	Trigger, conditions, exceptions	Source pinpoint	Status / limit
R009-P1-C034	On a covered card account, the ordinary rule allocates excess above the required minimum first to the highest-APR balance, then other balances in descending APR order.	Subject to § 53(b) and official dispute-related interpretation. Product coverage must first be established.	S001, § 1666c(b)(1); S007, § 53(a).	S/R.
R009-P1-C035	Section 53 does not prescribe the amount of the required minimum or generally dictate how that minimum is allocated.	The issuer remains subject to other applicable law and regulatory guidance. Voluntarily using the excess-payment method for the minimum is permitted where otherwise consistent.	S007, comment 53-1.	R; minimum-setting/allocation law otherwise held.
R009-P1-C036	The issuer may use rates and balances from the preceding cycle’s end, the payment-crediting date, or a date between.	The selection generally must be consistent between cycles, although adjustments from time to time are permitted. This does not authorize a rate change or prove the selected APR lawful.	S007, comment 53-2 and examples.	R; actual valuation practice and lawful rate U.
R009-P1-C037	The commentary generally prescribes no particular allocation among tied-rate balances when at least one other balance has a different rate.	Tied balances may be treated together or separately. If all rates are identical, the descending-rate rule itself supplies no differential ranking; that last point is a textual inference, subject to special rules and other law.	S007, comment 53-4, example 53-5.iv; § 53(a).	R for specified tie case; I for all-identical-rate observation.
R009-P1-C038	Deferred-interest treatment depends on interest accruing but being avoidable, waived, or refunded through full payment by the specified expiration.	Applies regardless of required interim payments. A recurring grace period is excluded. A temporary zero APR is not enough unless interest accrued during the period can become payable.	S007, comment 53(b)-1; S009, § 16(h)(2), comment 16(h)-1.	R; promotional label alone insufficient.
R009-P1-C039	During the relevant deferred-interest period, the balance is treated as having a zero APR for § 53 allocation.	Consequently, equal nominal accrual rates do not necessarily create tied allocation rates. The expiration-period exception remains applicable.	S007, comment 53-4.	R; not a finding that no interest is accruing.
R009-P1-C040	In the default deferred-interest branch, excess goes first to that balance during the two billing cycles immediately preceding expiration; remainder follows § 53(a).	Outside that period, ordinary allocation applies, unless a permitted consumer-request allocation is used. The statutory “entire excess” language is implemented with an express rule for any remainder after the deferred balance is satisfied.	S001, § 1666c(b)(2); S007, § 53(b)(1)(i)–(ii).	S/R; no assumption that “two cycles” equals two calendar months.
R009-P1-C041	Expiration before a cycle’s payment due date changes which cycles count.	That expiration cycle is not one of the two immediately preceding cycles under comment 53(b)-2. Its example gives priority in the preceding two cycles and in the preexpiration portion of the expiration cycle.	S007, comment 53(b)-2; S005, § 2(a)(4).	R; actual cycle/due/expiration dates U.
R009-P1-C042	The issuer is generally not required to follow a consumer’s allocation request.	It may decline requests generally or for failure to meet its requirements, provided default allocation complies with § 53(a) or (b)(1)(i). Missing or unusable requests likewise require default allocation unless corrected.	S007, § 53(b)(1)(ii), comment 53(b)-3.i.	R; no general request-based override.
R009-P1-C043	A qualifying request must be an affirmative consumer instruction, not merely issuer-imposed or preselected language.	Commentary recognizes oral/electronic/written instructions, purpose-built submitted forms, and requests to reallocate a prior payment. Preprinted assent, untouched preselected boxes, and conditioning features/services on an allocation are insufficient examples. Issuer acceptance requirements remain relevant.	S007, comment 53(b)-3.ii–iii.	R.
R009-P1-C044	For a secured balance on a covered not-home-secured card account, the issuer may elect to allocate excess to that balance if the consumer requests it.	This is the specific secured-balance option, not a requirement to comply or permission to import § 53 into a home-equity plan.	S007, § 53(b)(2), comment 53(b)-3.	R; existence and reach of security interest U.
R009-P1-C045	A qualifying § 12(c) claim/defense or § 13 billing-error allegation affects payment allocation.	The issuer must avoid or minimize reducing the disputed amount. The official example permits residual application to it when no other amounts remain; a subsequently established billing error still requires the identified correction. Not every informal complaint is assumed to meet the referenced provisions.	S007, comment 53-3.i–ii.	R; dispute qualification, merits, procedures, and remedies held.

Captured table 07

Claim ID · Area and precise claim · Trigger, conditions, exceptions · 12 data rows

Claim ID	Area and precise claim	Trigger, conditions, exceptions	Source pinpoint	Status / limit
R009-P1-C046	The credit-balance rule is triggered by a credit balance in excess of $1, created through the specified categories.	Categories include funds above the total balance due, rebates of unearned finance charges/insurance premiums, and amounts otherwise owed to or held for the consumer. An excess above the minimum alone does not establish this.	S002, § 1666d opening clause; S008, § 11(a).	S/R; actual ledger balance U.
R009-P1-C047	A qualifying credit balance must be credited to the consumer’s account.	This is separate from the request-based refund and aged-balance effort. The provision does not make cash refund immediate in every case.	S002, § 1666d(A); S008, § 11(a)(1).	S/R.
R009-P1-C048	The statute requires refund upon request; the regulation specifies refund of the remaining credit balance within seven business days after receipt of a written request.	The written-request and seven-business-day details appear in the regulation, not the statutory wording. Whether a particular electronic communication legally constitutes the required writing is not determined here.	S002, § 1666d(B); S008, § 11(a)(2).	S/R; request form/receipt U.
R009-P1-C049	The ordinary § 2(a)(6) business-function definition governs the § 11(a)(2) period.	It asks when the creditor’s offices are open to the public for substantially all business functions; limited bill-payment/deposit services alone do not establish that. Section 10(d)’s mail-specific definition is not imported.	S005, § 2(a)(6), comment 2(a)(6)-1; S008, § 11(a)(2).	R; no calendar calculated.
R009-P1-C050	A creditor may satisfy the obligation earlier, including by immediate refund, refund before written request, or refund on oral/electronic request.	These permitted compliance methods do not erase the mandatory written-request trigger or establish that every oral request starts the same seven-business-day clock.	S008, comment 11(a)-1.i–iii.	R; electronic-writing characterization held.
R009-P1-C051	The creditor need not honor standing orders requesting refunds of future credit balances.	This concerns prospective standing orders; it is not a general exception to a qualifying request for an existing credit balance.	S008, comment 11(a)(2)-1.	R.
R009-P1-C052	Refund amount is the remaining credit balance at the time refund is required.	Intervening purchases or other debits, including amounts not yet shown on a periodic statement, may decrease or eliminate it. Their underlying validity is not established merely by appearing in a ledger.	S008, comment 11(a)-2.	R/I; debit validity U.
R009-P1-C053	A credit balance remaining for more than six months requires a good-faith refund effort.	Statutory channels are cash/check/money order; the regulation also lists credit to the consumer’s deposit account. This duty is not conditional on a new written request.	S002, § 1666d(C); S008, § 11(a)(3).	S/R.
R009-P1-C054	“Unlocated consumer” requires more than a stale address on file.	Positive steps are required, including necessary tracing through the last-known address or telephone number, or both. The text’s no-further-action condition requires unknown current location and inability to trace through those sources.	S002, § 1666d(C); S008, § 11(a)(3), comment 11(a)(3)-1.	S/R; adequacy of an actual effort U.
R009-P1-C055	An unsuccessful qualifying good-faith effort can exhaust the further duties imposed by § 11; an unsuccessful early effort need not be repeated merely at six months.	The ultimate disposition of an unsuccessful-refund balance, or a balance of $1 or less, remains governed by other applicable law. This is not creditor ownership or debt-forfeiture authority.	S008, comments 11(a)-1.iv and 11(a)(3)-2.	R; property/unclaimed-property law held.
R009-P1-C056	Closure alone supplies no express exception to § 11(a)’s credit-balance duties and no express new immediate-cash deadline.	This is a textual inference from § 1666d and § 11(a); the separately stated termination provisions do not supply either proposition. Particular closure, security-deposit, or contract obligations remain unexamined.	S002; S008, § 11(a)–(b).	I; broader closure consequences U.
R009-P1-C057	Zero balance, an unposted payment, a merchant dispute, and a settlement discount are not interchangeable with an established credit balance.	A merchant credit or other adjustment can contribute to a credit balance once legally/accountingly owed, but the label or allegation alone does not establish money held for the consumer.	S002, opening clause; S006, § 10; S008, § 11(a).	I; underlying merits and accounting U.

Captured table 08

Claim ID · Area and precise claim · Trigger, conditions, exceptions · 4 data rows

Claim ID	Area and precise claim	Trigger, conditions, exceptions	Source pinpoint	Status / limit
R009-P1-C058	G-18(D) illustrates placement/proximity of payment information; it is not an account agreement or universal processing instruction.	Appendix G allows adjustment for charge-card/revolving features. G-18(F)/(G) contain some optional information and formats. No sample amount, rate, or date was adopted as law.	S010, comments 9–10; S009, § 7(b)(13).	R; complete F/G images not inspected.
R009-P1-C059	An outstanding deferred-interest balance has a periodic-statement expiration disclosure requirement.	Under § 7(b)(14), the full-payment date must appear on the front of a page of each statement issued during the period, beginning with the first statement reflecting the transaction; wording substantially similar to G-18(H).	S009, § 7(b)(14); S010, G-18(H).	R; disclosure is not an actual receipt or payoff determination.
R009-P1-C060	The worksheet’s evidence categories are analytical needs, not newly asserted statutory document-production duties or universal evidentiary presumptions.	A statement may show requirements and dates; it does not alone establish delivery of a particular payment or the legal correctness of every balance/rate.	S006–S010, compared by function.	I; admissibility, burdens, and records requests excluded.
R009-P1-C061	Currentness verification is bounded by the actual retrieved versions and failures.	Historical final rules establish specified historical implementation; metadata/search descriptions do not replace current operative bodies. No full repeal/stay/vacatur/session-law audit is claimed.	S001–S017 and the retrieval log.	Observed research limitation; not legal acceptance.

Captured table 09

Event / clock · Trigger and prescribed treatment · Calendar or measurement rule · 11 data rows

Event / clock	Trigger and prescribed treatment	Calendar or measurement rule	Evidence categories needed for a later authorized analysis	Claim links
Ordinary payment crediting	Payment received; generally credit as of that date.	Not a particular posting date; no-charge and paragraph (b) exceptions.	Method, receipt event, effective-credit date, charges attributable to delay.	C012–C016
Website scheduling	Date the creditor is authorized to effect payment.	Immediate instructions after permitted cutoff move to next business day under comment 10(a)-2.iv.	Authorization content, selected execution date, timestamp, cutoff/location.	C016, C018
Accepted nonconforming payment	Receipt of an accepted payment failing properly specified requirements.	Within five days; source does not say five business days.	Statement requirements, acceptance, actual nonconformity, promoted-method facts.	C020–C021
Assisted branch payment	Payment before qualifying branch/office closes.	Same-day receipt; branch closing may precede 5 p.m.	Financial-institution issuer, accepted location, employee involvement, closing time.	C022–C024
No mail accepted on due date	Due date is a day creditor does not receive/accept mail payments.	Next business day for this paragraph means next mail-receipt/acceptance day. Other channels have their own exception.	Due date, mail schedule, chosen channel, receipt date.	C026–C027
Correction of crediting-caused charges	Failure to credit under § 10(a)/(b) causes covered charges.	Credit those charges during the next billing cycle.	Required crediting date, imposed charge, causal connection, cycle boundaries.	C025
Material payment-procedure change	Effective change causes material delay.	Specified 60-day period after change. Retail notice branch separately uses 60 days after transmission of first statement showing the charge.	Change effective date, affected procedure, causal delay, statement transmission and notice dates.	C030–C032
Excess allocation	Payment exceeds required minimum on a covered account.	Allocation uses a permitted rate/balance reference date; no separate universal waiting period is created by § 53.	Minimum, payment, separate balances/rates, chosen reference-date practice, exceptions.	C034–C045
Deferred-interest priority	Relevant promotion approaches expiration.	Two billing cycles, with the expiration-before-due-date interpretation.	Promotion terms, expiration date, cycle boundaries, each cycle’s due date, requests.	C038–C043
Requested credit-balance refund	Receipt of qualifying written request for an existing credit balance.	Seven business days, using the applicable business-function test.	Credit-balance creation, request form/receipt, business-function schedule, intervening debits, refund.	C046–C052
Aged credit balance	Qualifying credit balance remains for more than six months.	Good-faith effort; not a fixed substitute mailing deadline derived here.	Age of remaining credit, prior efforts, permissible return channel, tracing evidence.	C053–C055

Captured table 10

Example · Stipulated facts · Provision-specific result versus unknown · 17 data rows

Example	Stipulated facts	Provision-specific result versus unknown	Evidence needed	Adverse misclassification to avoid
E01 — Sent, not received	A consumer mails a payment using the designated address; creditor receipt is not established.	Section 10’s receipt-based crediting date cannot be fixed from mailing alone. Whether a separate payment-procedure-change protection applies is also unknown.	Receipt evidence, method requirements, any relevant address change.	Treating a postmark as conclusive timely receipt. C014–C015, C030.
E02 — Conforming timely receipt	A covered payment reaches the creditor before its valid cutoff, meets requirements, and is posted later.	It generally must be credited as of receipt. Later posting alone is not the violation. Whether the amount satisfies the minimum or avoids all interest remains separate.	Effective-credit date, amount required, resulting charges.	Equating posting delay with unlawful crediting, or timely minimum payment with interest forgiveness. C012–C014, C033.
E03 — Accepted nonconforming payment	Requirements were properly specified with the statement; payment fails them, is accepted, and uses no promoted method.	The five-day receipt rule can apply; the commentary permits intervening finance-charge accrual in this branch. Actual charge legality beyond that remains unknown.	Requirements, defect, acceptance, receipt/credit dates.	Applying ordinary same-day effective crediting without testing the exception—or calling the allowance five business days. C021.
E04 — Promoted telephone channel	A creditor advertises telephone payment, and a payment is made through it within the applicable conditions.	The promoted-method rule prevents treating it as nonconforming merely because it was not mailed with a stub. Actual completion/receipt still matters.	Promotion, call/payment completion, cutoff, effective credit.	Automatically granting five days because the payment was not mailed. C018, C020.
E05 — Minimum plus excess	A covered account has two different-rate balances; payment exceeds the required minimum; no special exception applies.	Section 53 directs the excess by descending APR. It does not establish how the minimum portion was allocated.	Minimum, balance/rate schedule, reference-date practice.	Applying highest-rate-first to every dollar or assuming the minimum necessarily goes to the lowest rate. C034–C036.
E06 — Deferred-interest expiration	A qualifying deferred-interest balance remains; the promotion expires before the due date in its expiration cycle; issuer does not accept allocation requests.	Comment 53(b)-2 changes which two cycles count and preserves priority for relevant preexpiration payments. No actual dates are computed.	Exact expiration, cycle boundaries, due dates, receipt/allocation history.	Counting “two months back” without the due-date relationship, or treating deferred accrual rate as the current ranking rate. C038–C041.
E07 — Equal-rate balances	Two balances share an APR; a third bears a higher APR; no deferred-interest, secured-request, or dispute exception applies.	After required priority to the higher-rate balance, the commentary generally leaves the method among tied balances unspecified.	Rates at the issuer’s permitted reference date; other governing terms/law.	Calling every non-pro-rata tie allocation a § 53 violation. C036–C037.
E08 — Requested credit balance	An actual credit balance exceeding $1 exists and a written refund request is received.	Section 11(a)(2)’s seven-business-day period applies, subject to the remaining credit balance when refund is required. No date is calculated.	Request receipt, creditor business functions, intervening debits, refund action.	Substituting seven calendar days, starting from request dispatch, or refunding an assumed original amount despite intervening activity. C046–C052.
E09 — Consumer cannot be located	A qualifying balance remains more than six months; a statement address is stale, but no tracing effort is established.	Stale address alone does not establish the no-further-action condition. Positive good-faith steps remain material. Ultimate disposition under other law is unknown.	Efforts through last-known address/telephone, their results, remaining balance.	Treating returned mail as automatic creditor ownership. C053–C055.
E10 — Business-purpose card	The card was issued for business purposes and occasionally used personally.	The commentary does not extend the consumer payment/allocation/refund rules merely because of those purchases. Contract or other-law protections are not decided.	Issuance purpose and governing legal classification.	Applying the full consumer-card regime transaction by transaction. C008.
E11 — Home-equity card access	A § 1026.40 home-equity plan is accessed through a card.	It is excluded from the narrow § 53 account definition; general covered open-end crediting/refund duties are not thereby erased.	Plan classification, applicable general duties, security facts.	Applying § 53 automatically—or concluding that no payment rules apply. C005, C011.
E12 — Branch payment versus slot	One payment is made with a teller before a qualifying branch closes; another is placed in a mail slot without employee assistance.	The first falls within the described in-person rule. The second does not obtain that treatment merely from being at the same building; other receipt rules still govern.	Assistance, location, acceptance policy, closing time, actual collection/receipt.	Treating every branch deposit as assisted in-person receipt. C022–C024.
E13 — Mail closure, electronic availability	No mail is accepted on the due date, but the creditor accepts electronic payments that day; payment is made electronically the next business day.	Section 10(d)(2) does not require that electronic payment to be treated as timely merely because mail was closed. Other protections are not decided.	Channel availability, cutoff, due date, receipt.	Extending a mail-specific protection to every payment method. C026–C027.
E14 — Secured-balance request	A covered not-home-secured card contains a secured balance; consumer affirmatively requests excess allocation to it.	Section 53(b)(2) allows the issuer to elect that allocation. Request alone does not compel it.	Security scope, request, issuer acceptance, default allocation if declined.	Treating all secured cards as excluded or treating the request as mandatory. C042–C044.
E15 — Qualifying disputed amount	A stipulated qualifying § 12(c) claim or § 13 billing-error allegation affects part of a balance.	The allocation must avoid or minimize reducing that amount; the official example allows a residual application when nothing else remains. Merits and procedural compliance are not decided.	Qualifying dispute predicate, affected amount, other balances, final disposition.	Saying either “disputed amounts can never receive payment” or “highest rate always controls despite the dispute.” C045.
E16 — Closure and ledger adjustment	An account closes with an asserted consumer credit; later activity may reduce that credit.	Closure alone supplies neither a refund exemption nor an immediate cash deadline under the examined rule. The amount actually owed, request trigger, and lawful intervening debits remain necessary.	Credit creation, valid later entries, request/age, closure terms, other law.	Equating closure with forfeiture, or assuming a settlement discount is refundable cash. C046, C052, C056–C057.
E17 — Payment procedure changed	An issuer materially changes an accepted payment route; the change causes a late payment during the relevant period.	The § 10(f) branch must be tested, including the separate retail notice mechanism if applicable. Ordinary no-grace interest is not automatically a prohibited late-payment charge.	Effective change, causation, charge type, statement transmission, notice timing.	Treating every address change as a blanket 60-day payment holiday. C030–C032.

Captured table 11

Field · Blank entry · What the field would establish · 32 data rows

Field	Blank entry	What the field would establish	Claim links
W01 — Applicable jurisdiction and source version	______	Federal version applicable to the event; other jurisdictions still held.	C061
W02 — Consumer/commercial purpose classification	______	Whether the consumer operational regime applies.	C001, C008
W03 — Plan and device type	______	Open-end/card/charge/non-card/hybrid distinction.	C002, C005–C007
W04 — Home or other security	______	Narrow account exclusion versus secured-balance option.	C005, C011, C044
W05 — High-value exemption history	______	Opening commitment, initial extension, later changes, relevant period’s threshold.	C009–C010
W06 — Relevant actor roles	______	Creditor, issuer, agent, creditor processor, consumer-selected payor.	C003–C004, C015, C029
W07 — Payment method	______	Mail, issuer website, telephone, transfer, assisted branch, other.	C014–C024
W08 — Stated receipt requirements	______	Reasonableness, statement specification, accepted media/location.	C018–C021
W09 — Creditor promotion of method	______	Conforming-method treatment.	C020
W10 — Receipt event and proof category	______	Receipt rather than dispatch, posting, or bank collection.	C013–C017
W11 — Instruction and authorized execution dates	______	Scheduled website payment distinction.	C016
W12 — Cutoff, specified location, time zone	______	Applicable permitted receipt cutoff.	C018, C022
W13 — Branch status, assistance, and closing time	______	Special in-person conditions.	C022–C024
W14 — Acceptance of nonconforming payment	______	Whether the five-day branch is available.	C021
W15 — Due-date mail acceptance and other channels	______	Channel-specific next-business-day rule.	C026–C027
W16 — Effective-credit date, posting date, available credit	______	Separating three operational events.	C013, C033
W17 — Charge caused by crediting delay and adjustment	______	Causation and next-cycle correction.	C025
W18 — Payment amount and required minimum	______	Whether an excess exists; no minimum formula assumed.	C034–C035
W19 — Separate balances and applicable rates	______	Allocation order at a permissible reference date.	C034, C036–C037
W20 — Issuer reference-date practice	______	Cycle-end/payment-date/intervening-date method and consistency.	C036
W21 — Deferred-interest terms and expiration	______	Actual deferred-interest predicate rather than label.	C038–C039
W22 — Cycle boundaries and payment due dates	______	Correct final-two-cycle treatment.	C040–C041
W23 — Consumer allocation request and issuer response	______	Affirmative request, acceptance conditions, usable instruction.	C042–C044
W24 — Qualifying disputed-amount flag	______	Whether the narrow payment-allocation interaction is implicated.	C045
W25 — Credit-balance creation and remaining amount	______	More-than-$1 trigger and consumer-credit accounting.	C046–C047, C052
W26 — Refund-request form and receipt	______	Written-request trigger; electronic-writing question if relevant.	C048, C050–C051
W27 — Creditor business-function calendar	______	Seven-business-day measurement inputs.	C049
W28 — Intervening debits and refund action	______	Remaining credit when refund is required.	C052
W29 — Age of remaining credit and prior efforts	______	More-than-six-month/early-attempt branches.	C053–C055
W30 — Last-known contact tracing and result	______	Good-faith/unlocated-consumer predicate.	C054–C055
W31 — Material payment-procedure change	______	Effective date, delay causation, retail notice branch.	C030–C032
W32 — Closure, contract, and remaining legal questions	______	Matters these provisions do not decide.	C056–C057, C060–C061

Captured table 12

Coverage ID / assigned branch · Status and reason · Claim / example links · 46 data rows

Coverage ID / assigned branch	Status and reason	Claim / example links	Exact missing authority or facts	Next bounded permissible investigation
CV01 — Consumer/open-end gateway	Answered generically.	C001–C002	Actual purpose, plan terms.	Additional public interpretation only if a particular product category is separately assigned.
CV02 — Creditor/card issuer/agent	Answered generically.	C003	Actual agency/issuer relationship.	Published legal treatment of a defined actor category, without entity searches.
CV03 — Cardholder/joint/authorized user	Partial: necessary definition answered; liability and refund ownership excluded.	C004	Agreement, assent, ownership, applicable contract law.	Separate generic joint-obligation/refund-ownership study.
CV04 — General/store/secured/cash-advance/transfer labels	Answered for operational gateway only.	C007; E05, E14	Actual plan and balance features.	Separate subtype-specific public-law pass if needed.
CV05 — Charge cards	Answered for necessary inclusion and operational predicates.	C006	Actual minimum/full-payment requirement and balances.	Charge-card lifecycle issues remain a separate assignment.
CV06 — Home-secured exclusion versus general rules	Answered.	C005, C011; E11	Actual § 40 classification.	Separate home-equity payment allocation/servicing law, without borrowing card rules.
CV07 — Business/mixed use	Answered for the official card-use distinction.	C008; E10	Issuance purpose and any actual conversion.	Narrow public mixed-purpose/conversion interpretation study if assigned.
CV08 — Overdraft/hybrid-prepaid boundary	Partial: express exclusions/exception identified.	C005	Full § 61 feature predicates and product facts.	Separate hybrid-prepaid classification pass.
CV09 — High-value exemption	Answered for necessary 2026 and historical-route gates.	C009–C010	Opening/initial-extension/commitment/security history.	Public historical-version study for a specified period, no account investigation.
CV10 — Date of receipt versus posting	Answered.	C012–C014; E01–E02	Actual receipt/effective credit.	No further generic authority necessary for the stated distinction.
CV11 — Check collection and mailing	Answered; no postmark presumption invented.	C014; E01	Receipt event.	Separate evidentiary-law inquiry only if authorized.
CV12 — Third-party payor	Answered at comment’s scope.	C015	Transfer medium, receipt, agency.	Generic payment-system law only for an expressly assigned unresolved method.
CV13 — Issuer website/scheduled payment	Answered.	C016	Authorized date and cutoff.	None for stated rule; factual application held.
CV14 — Telephone payments	Answered for promoted conformity/cutoff/fee treatment; no universal call-date receipt rule asserted.	C018, C020, C028–C029; E04	Completion and receipt method.	Narrow official interpretation of an assigned telephone mechanism if necessary.
CV15 — Payroll deduction	Answered for specified voluntary arrangement only.	C017	Voluntariness, retained use, debit date.	Full setoff/Regulation E/prepaid treatment excluded.
CV16 — Reasonable requirements/location	Answered.	C018–C019	Statement language and actual reasonableness.	Generic model instructions if a new requirements issue is assigned.
CV17 — Creditor-promoted method	Answered.	C020; E04	Promotion, cutoff compliance, receipt.	None for stated rule.
CV18 — Accepted nonconforming payment	Answered.	C021; E03	Specification, acceptance, defect, timing.	No actual tender investigation authorized.
CV19 — Financial-institution branch	Answered.	C022; E12	Financial-institution status, branch, closing.	Generic actor/category law only.
CV20 — Retail/affiliate/mail-slot distinctions	Answered.	C023–C024; E12	Actual relationship and assistance.	No provider/location lookup authorized.
CV21 — Next-cycle charge adjustment	Answered narrowly.	C025	Causation and billing cycle.	Remedies/awards remain excluded.
CV22 — No-mail day and method exception	Answered.	C026–C027; E13	Mail schedule and channel acceptance.	None for generic rule; no actual calendar calculation.
CV23 — Payment-method fees	Answered at § 1637(l)/§ 10(e) scope.	C028–C029	Live service, expedited crediting, processor role.	Other fee laws remain separate.
CV24 — Material issuer procedure changes	Answered, including retail notice branch.	C030–C032; E17	Change, causation, dates, charge type.	No full change-in-terms report rerun.
CV25 — Available credit/forgiveness	Answered as limits of these provisions.	C033; E02	Other law, agreement, payment finality.	Separate generic available-credit/payment-finality study if assigned.
CV26 — Minimum versus excess	Answered.	C034–C035; E05	Actual minimum and payment.	Minimum-payment law and formulas remain held.
CV27 — Separate balances/rates/reference date	Answered.	C036	Issuer practice and lawful rates.	Rate-change authority remains excluded.
CV28 — Equal rates	Answered for explicit commentary scenario; all-identical inference identified.	C037; E07	Other terms/law or exception.	Narrow tie-allocation authority if additional legal duties are separately assigned.
CV29 — Deferred interest versus zero rate/grace	Answered.	C038–C039	Actual promotion conditions.	No broad APR/grace-period rerun.
CV30 — Last two cycles/expiration before due date	Answered.	C040–C041; E06	Exact cycles, due dates, expiration.	No actual deadline calculation authorized.
CV31 — Consumer request option/default	Answered.	C042–C043	Affirmative instruction, issuer requirements/acceptance.	None for stated rule.
CV32 — Secured-balance request	Answered at narrow federal scope.	C044; E14	Security interest and request.	State security/contract effects remain excluded.
CV33 — Disputed amount	Partial: allocation interaction answered; qualification/merits/resolution excluded.	C045; E15	Full § 12(c)/§ 13 predicates and actual facts.	Separate billing-error/claims-and-defenses component.
CV34 — Credit-balance meaning and dollar threshold	Answered.	C046–C047; E08	Actual total balance/credits/debits.	No account accounting or settlement determination.
CV35 — Written request and seven business days	Answered generically.	C048–C049; E08	Request receipt, business-function calendar.	No actual deadline.
CV36 — Electronic request as legally sufficient writing	Unresolved beyond the commentary’s permitted electronic-refund method.	C048, C050	Applicable electronic-writing authority and form of communication.	Narrow public electronic-writing interpretation study; no request submission.
CV37 — Oral requests/early refunds/standing orders	Answered.	C050–C051	Actual method and existing/future balance distinction.	None for stated rules.
CV38 — Intervening purchases/debits	Answered as refund-amount rule.	C052; E16	Their validity and remaining credit.	Underlying transaction merits held.
CV39 — More-than-six-month effort	Answered.	C053	Credit age and efforts.	No funds tracing or actual account inquiry.
CV40 — Last-known address/unlocated consumer	Answered at statutory/regulatory standard.	C054–C055; E09	Adequacy and outcome of efforts.	Generic unclaimed-property/state law only in a separate authorized pass.
CV41 — Balance of $1 or less	Answered as limit of this section; ultimate disposition unresolved.	C055	Other applicable property law.	Separate jurisdiction-specific public-law study.
CV42 — Closure/zero/unposted/dispute/discount	Partial: distinctions and textual limits answered; lifecycle/accounting consequences held.	C056–C057; E16	Actual closure terms, lawful adjustments, other law.	Separate closure or accounting component.
CV43 — Generic model clauses/instructions	Answered within declared read bounds.	C058–C059	Actual applicable disclosure, not queried.	No need to retrieve unrelated forms.
CV44 — Clock/proof comparison and worksheet	Answered as generic analytical framework.	C060; clock table; W01–W32	All actual dates, documents, and proof.	Evidentiary/admissibility study only if separately authorized.
CV45 — Current official statutory body and full amendment lag	Partial due retrieval failures and declared audit limit.	C061; S014–S016	Successfully retrieved newer statutory body; complete subsequent amendment comparison.	Recheck public official bodies when accessible; compare published amendments and dated editions.
CV46 — Parent product/lifecycle/legal dimensions	Excluded by assignment boundary.	Parent holds below	All unaddressed authorities and actual facts.	Separate bounded components; no parent closure inferred.

Captured table 13

Assigned question · Principal claims · Principal sources · 5 data rows

Assigned question	Principal claims	Principal sources	Demonstration
1. Necessary coverage and actors	C001–C011	S003, S005, S006–S008, S012	E10–E12, E14; CV01–CV09
2. Payment crediting and limits	C012–C033	S001, S004, S006, selected S009	E01–E04, E12–E13, E17; crediting clock rows
3. Excess allocation and exceptions	C034–C045	S001, S007, selected S005/S009; historical S011	E05–E07, E14–E15
4. Credit-balance refunds and limits	C046–C057	S002, S008, business-day definition in S005	E08–E09, E16
5. Clocks, proof, generic material, worksheet, failure branches	C058–C061 plus relevant operational claims	S005–S013; failure register S014–S017	Clock table; G-18 discussion; E01–E17; W01–W32

Captured table 14

Reading block · What was actually completed · What is not claimed · 13 data rows

Reading block	What was actually completed	What is not claimed
Operative payment-crediting text	Complete § 1026.10(a)–(f), all accompanying inline official comments, and their examples.	No complete Regulation Z or Regulation E examination.
Allocation	Complete § 1026.53 and its official comments, including minimum, reference date, ties, disputes, deferred expiration, secured balances, and request validity.	No lawful-APR determination, rate-change authority, or minimum-payment formula.
Refunds	Complete § 1026.11(a) and its comments; related termination text distinguished. Complete § 1666d body recovered.	No estate-debt, unclaimed-property, security-deposit, or full closure dossier.
Statutes	Complete § 1666c and § 1666d; necessary § 1602/1603 clauses; complete selected § 1637(l), (o).	No current House-body success or complete post-2024 session-law audit.
Coverage commentary	Necessary definitions and consumer/business distinctions read; additional open-end threshold conditions recovered from the final rule.	No classification of any actual account or institution.
Model material	G-18(H) text, G-18(D) image and explanatory instructions, selected F/G instructions.	No actual statement; no unseen complete F/G image review.
Historical final rule	Effective/mandatory-compliance text and selected allocation explanation read.	No assertion that all 268 pages were read or that historical Part 226 is the current operative citation.
2026 threshold final rule	Effective date, 2026 threshold, and materially relevant open-end exemption commentary read.	No adoption of surrounding Regulation M/FCRA provisions appearing on shared pages.
House failures	Eight alternate public routes recorded in S014.	Search results were not promoted to statutory body evidence.
GovInfo format failures	Failed HTML routes recorded; relevant 2024 PDF bodies recovered.	Failed 2025 routes do not prove publication/nonpublication of a 2025 edition.
eCFR Supplement I failure	Full-page retrieval exceeded size limit; necessary comments read through official agency presentations.	No complete eCFR Supplement I retrieval or full official annual CFR edition review.
Version discrepancy	Initial § 11 packet’s April 21 banner distinguished from later October 23 packet.	No silent conflation of cache/version metadata.
Unused material	Unopened secondary results, proposed-rule search results, ancillary § 1666j exploration, and the incomplete § 13 exploration were not foundations.	No withdrawal, repeal, litigation, or later-history conclusion derived from those discovery results.

Captured table 15

Check · Result · 19 data rows

Check	Result
General open-end versus narrow card-account scope kept separate	Checked; C005–C011.
Charge cards distinguished from commercial cards and home-equity access cards	Checked; no blanket inclusion/exclusion by marketing name.
Receipt, posting, collection, and available credit separated	Checked; C013–C017, C033.
No universal postmark rule or universal business-day definition	Checked.
Five-day nonconforming allowance conditioned on specification, acceptance, and promoted-method exception	Checked.
Minimum-payment allocation not inferred from excess-only rule	Checked; C035.
Deferred interest distinguished from true zero-rate promotions and recurring grace periods	Checked.
Final-two-cycle rule includes expiration-before-due-date interpretation	Checked; C041.
Request option distinguished from issuer obligation; invalid preselection examples retained	Checked.
Secured-balance and qualifying-dispute allocation branches retained	Checked.
Credit-balance threshold strictly exceeds $1	Checked; no “$1 or more” substitution.
Written-request refund period and aged-balance effort separated	Checked.
Unlocated-consumer limit does not become creditor ownership	Checked.
Statute, regulation, official interpretation, model material, and historical final rule labeled distinctly	Checked.
PDF text versus inspected image extent stated	Checked; no whole-form/pixel claim inferred from extraction.
Actual account/person/provider/case searches, contacts, filings, purchases, account changes, or publication	None performed.
Other reports, subagents, local coordinator files, hashes, or import records	None used or created for this investigation.
Individual deadline, legal APR, award, liability, or creditworthiness calculation	None made.
Currentness gaps preserved	Checked; no full current-edition/session-law audit claimed.

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