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Map a payday or title loan cycle before the next payment

Break the repeated-borrowing cycle into its next due date, withdrawal authority, fees, and collateral risk.

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DETAILED RESEARCH · EVIDENCE & LIMITS INCLUDED

First focused A011 component: federal payment-transfer restrictions and notices under 12 CFR Part 1041

R011 · pass-01Captured 2026-10-2715 tables · 98 claim records · 24 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 R011 PASS-01

First focused A011 component: federal payment-transfer restrictions and notices under 12 CFR Part 1041

The reviewed text establishes a conditional restriction on further lender-initiated withdrawals after two consecutive qualifying failures from the same consumer account. The restriction can extend across different payment channels and different covered loans with the same lender. Further transfers can qualify under the new-authorization branch or the consumer-requested single immediate-payment branch. Separate notice and recordkeeping requirements apply. These provisions do not establish debt discharge, universal immunity from bank fees, license validity, or a prohibition on every later voluntary payment. Consumer Financial Protection Bureau+3

Currentness remains qualified. The eCFR retrieved on October 27, 2026 displayed Title 12 as current through October 23, 2026. The CFPB’s March 28, 2025 announcement described the payment provisions as becoming operative March 30, 2025 and announced limited enforcement and supervision prioritization concerning associated penalties or fines. That announcement is not a repeal. The complete intervening stay chronology and an exhaustive search for later legislation, amendments, or published judicial developments were not established. Those precise applicability and time questions remain open. ecfr.gov+2

Research boundary and reading conventions

The actual research date was October 27, 2026, America/Los_Angeles, PDT, UTC−07:00. A clock check during the research showed 3:26:23 p.m. PDT. Publication dates, effective dates, compliance dates, and displayed compilation dates below are different facts.

This investigation used public primary sources and published opinions. No R010 report, other unreviewed report, prior chat, actual account document, person or lender lookup, license search, case-record search, docket-status query, submission, contact, or identifier test supplied a foundation.

In the tables:

  • R means regulatory text as retrieved, subject to the currentness limitations stated here.
  • I means an official interpretation accompanying that text.
  • S means statutory text.
  • H means historical authority or a historical procedural event.
  • P means agency policy or enforcement prioritization.
  • INF means a stated inference from the cited provisions.
  • U means unresolved.
  • Short references such as C021, S001, and E006 mean the corresponding R011-P1- identifiers.
  • “Answered” in the coverage table means that the generic legal branch was addressed. It does not mean actual applicability or component acceptance.

All actual classification, contract, authorization, payment, return, notice, consent, and timing facts remain held.

1. Source register

1.1 R011-P1-S001 — Current Part 1041 text and official interpretations

These are views of the same regulatory body, not independent corroborating authorities. The complete operative bodies of the listed CFPB sections and their relevant embedded official interpretations were read. The eCFR was additionally used for its currency statement, § 1041.1, and Supplement I comment 7-1, which was not exposed in the CFPB section-navigation list.

Issuer/jurisdiction: CFPB; U.S. federal regulation and official interpretations. Actual check date: October 27, 2026 PDT. Version predicate: CFPB pages labeled their version current; eCFR displayed Title 12 current through October 23, 2026. The eCFR expressly identifies itself as authoritative but unofficial, rather than an official legal edition of the CFR. The title-wide amendment date is not a Part 1041 amendment date. Reading status: Fresh body reads in this assignment; no prior-report reuse. HTML has no PDF page index. Currentness limit: This is not a complete annual-CFR or Federal Register/session-law lag audit. ecfr.gov

S001 view Complete literal HTTPS URL Exact reading bounds and use
eCFR Part 1041 https://www.ecfr.gov/current/title-12/chapter-X/part-1041 Currency and legal-edition statements; authority/source notes; § 1041.1; selected operative cross-checks; Supplement I comment 7-1. The entire consolidated eCFR page was not independently reread end to end.
Definitions https://www.consumerfinance.gov/rules-policy/regulations/1041/2/ Complete § 1041.2(a)–(b), including reserved paragraphs and embedded interpretations.
Coverage https://www.consumerfinance.gov/rules-policy/regulations/1041/3/ Complete § 1041.3(a)–(h), all eight exclusions, both conditional exemptions, and embedded interpretations.
Identified practice https://www.consumerfinance.gov/rules-policy/regulations/1041/7/ Complete § 1041.7; comment 7-1 obtained from eCFR and the annual-CFR cross-check.
Payment attempts https://www.consumerfinance.gov/rules-policy/regulations/1041/8/ Complete § 1041.8(a)–(e) and embedded interpretations, including definitions, counting, authorization, immediate-payment exception, and evasion.
Notices https://www.consumerfinance.gov/rules-policy/regulations/1041/9/ Complete § 1041.9(a)–(c) and embedded interpretations, including full and short notices, electronic consent, timing, exceptions, and segregation.
Compliance/records https://www.consumerfinance.gov/rules-policy/regulations/1041/12/ Complete § 1041.12(a)–(b)(5), reserved paragraphs, and interpretations.
Evasion https://www.consumerfinance.gov/rules-policy/regulations/1041/13/ Complete § 1041.13 and interpretation.
Severability https://www.consumerfinance.gov/rules-policy/regulations/1041/14/ Complete severability clause; not treated as proof of current judicial status.
Dates https://www.consumerfinance.gov/rules-policy/regulations/1041/15/ Complete § 1041.15(a)–(c), including the still-printed historical registration and compliance dates.
Appendix A https://www.consumerfinance.gov/rules-policy/regulations/1041/a/ Complete model-form listing; A-1 and A-2 reserved; A-3 through A-8 cross-references. Actual publisher model text separately read in S015.

1.2 Other primary sources and material retrieval failures

For every row below, the actual check date is October 27, 2026 PDT. “PDF index” is zero-based. PDF reads were text reads unless expressly stated otherwise; no model-form pixel inspection succeeded.

Source ID Issuer/title and complete literal HTTPS URLs Exact clauses, printed pages/PDF indexes, and actual read bounds Version/effective predicate; reading status and limits
R011-P1-S002 U.S. House Office of Law Revision Counsel, 12 USC 5481: https://uscode.house.gov/us/usc/119-124/t12/s5481/. GPO fallback: https://www.govinfo.gov/link/uscode/12/5481 Definitions (1), (4), (19), and (26), including service-provider qualifications and exclusions. Fallback PDF: printed pp. 1939, 1942–1943; indexes 0, 3–4. U.S. federal statute. House page stated laws in effect through Public Law 119-124, October 15, 2026. That is a compilation boundary, not a full later-session-law audit. Fresh reads; fallback edition not independently established.
R011-P1-S003 House, 12 USC 5531 and 5532: https://uscode.house.gov/us/usc/119-124/t12/s5531/ and https://uscode.house.gov/us/usc/119-124/t12/s5532/. GPO: https://www.govinfo.gov/link/uscode/12/5531 and https://www.govinfo.gov/link/uscode/12/5532 § 5531(a)–(e); § 5532(a)–(d). Authority, unfairness/abusiveness criteria, disclosure authority, optional models and associated protection. GPO printed pp. 1971–1973 across the two extracts, indexes 0–1 of each. U.S. federal statute; same House compilation boundary as S002. Fresh body reads. No individual cause-of-action, standing, or remedy conclusion.
R011-P1-S004 CFPB, Regulation E: https://www.consumerfinance.gov/rules-policy/regulations/1005/2/; https://www.consumerfinance.gov/rules-policy/regulations/1005/3/; https://www.consumerfinance.gov/rules-policy/regulations/1005/10/; https://www.consumerfinance.gov/rules-policy/regulations/1005/17/ § 1005.2(b), relevant account comments, (i), (k); § 1005.3(a), complete (b)(1)–(3) and comments; § 1005.10(b)–(e)(1) and necessary comments; § 1005.17(a) and comment 17(a)-1 only. U.S. federal regulation/interpretations, current-labeled agency pages. Fresh reads of these bounds only. No complete Reg E, overdraft, error-resolution, or fee-liability review. HTML; PDF indexes N/A.
R011-P1-S005 CFPB, Regulation Z: https://www.consumerfinance.gov/rules-policy/regulations/1026/2/; https://www.consumerfinance.gov/rules-policy/regulations/1026/3/; https://www.consumerfinance.gov/rules-policy/regulations/1026/5/; https://www.consumerfinance.gov/rules-policy/regulations/1026/7/; https://www.consumerfinance.gov/rules-policy/regulations/1026/46/ § 1026.2(a)(14), (15)(ii), (17)(v), (20), and relevant comments; § 1026.3(a) and selected primary-purpose comments; § 1026.5(b)(2)(ii) and timing comments; § 1026.7(b) introductory/selected text only; complete § 1026.46(b)(5) and its comments 1–4. U.S. federal regulation/interpretations. Fresh bounded reads. § 1026.7 was not fully reviewed. §§ 1026.4, .14 and .22 were identified through Part 1041’s incorporation but a complete finance-charge/APR calculation review remains held.
R011-P1-S006 NCUA/eCFR, 12 CFR 701.21: https://www.ecfr.gov/current/title-12/chapter-VII/subchapter-A/part-701/section-701.21 Complete (c)(7)(i)–(iii); selected (iv) comparison. PALs I mandatory conditions distinguished from associated best-practice guidance. U.S. federal credit-union regulation. Fresh text read. The currently applicable Board-set general interest ceiling was not separately verified; no fixed current PAL rate is asserted.
R011-P1-S007 Federal Reserve/eCFR, Regulation CC, 12 CFR 229.2: https://www.ecfr.gov/current/title-12/chapter-II/subchapter-A/part-229/subpart-A/section-229.2 Complete paragraph (fff), remotely created check definition. U.S. federal regulation. Fresh limited body read; no actual instrument classification.
R011-P1-S008 FTC/eCFR, 16 CFR 310.2: https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.2 Current paragraphs (cc) and (dd), particularly the complete remotely created payment-order definition at (dd). U.S. federal regulation. Fresh body read. Establishes the numbering mismatch with the still-printed Part 1041 reference to (cc).
R011-P1-S009 FTC, Telemarketing Sales Rule, 89 FR 26760: https://www.federalregister.gov/documents/2024/04/16/2024-07180/telemarketing-sales-rule; official PDF https://www.govinfo.gov/content/pkg/FR-2024-04-16/pdf/2024-07180.pdf Printed p. 26760/index 0, dates/summary; p. 26783/index 23, complete amendatory instruction 2 redesignating former (aa)–(hh) as (bb)–(ii). Not all 27 PDF pages read. Published April 16, 2024; relevant amendment effective May 16, 2024. Fresh final-rule text read.
R011-P1-S010 Congress/GPO, E-SIGN, 15 USC 7001 and 7006: https://www.govinfo.gov/link/uscode/15/7001; https://www.govinfo.gov/link/uscode/15/7006 § 7001(a)–(b), printed p. 2304/index 0; selected subsequent text only. § 7006(4), (5), (9), printed p. 2309/index 0. U.S. federal statute. Fresh bounded reads; extract edition not independently established. No claim of a complete § 7001(c)–(d) audit. Part 1041’s own delivery/signature distinctions control the discussion below.
R011-P1-S011 Congress/GPO, FLSA, 29 USC 203(d): https://www.govinfo.gov/link/uscode/29/203 Complete employer definition (d), printed p. 63/index 0. U.S. federal statute. Fresh fallback read; extract edition not independently established. No actual employment classification.
R011-P1-S012 CFPB, 2017 final Payday, Vehicle Title, and Certain High-Cost Installment Loans Rule, 82 FR 54472–54921: https://www.govinfo.gov/content/pkg/FR-2017-11-17/html/2017-21808.htm Complete front summary/dates and selected relevant preamble passages. Codified regulatory text begins at printed p. 54871; current operative clauses were read through S001. The entire 450-page publication was not read. Published November 17, 2017; effective January 16, 2018; original general compliance August 19, 2019. Fresh HTML body read after size failures. PDF indexes unavailable because PDF retrieval failed. Historical original rule.
R011-P1-S013 CFPB, 2019 delay/correcting amendments, 84 FR 27907: https://www.federalregister.gov/documents/2019/06/17/2019-12307/payday-vehicle-title-and-certain-high-cost-installment-loans-delay-of-compliance-date-correcting; official PDF https://www.govinfo.gov/content/pkg/FR-2019-06-17/pdf/2019-12307.pdf Printed p. 27907/index 0, dates, summary and footnote 5; selected pp. 27922–27923/indexes 15–16; complete amendatory instructions 2–8 at p. 27929/index 22. Not the full 24-page preamble. Published June 17, 2019; effective August 16, 2019. Historical underwriting delay to November 19, 2020 and technical corrections. Fresh text read.
R011-P1-S014 CFPB, 2020 revocation final rule, 85 FR 44382: https://www.federalregister.gov/documents/2020/07/22/2020-14935/payday-vehicle-title-and-certain-high-cost-installment-loans; official PDF https://www.govinfo.gov/content/pkg/FR-2020-07-22/pdf/2020-14935.pdf Printed p. 44382/index 0, dates/summary; complete amendatory instructions 1–10, pp. 44444–44445/indexes 62–63. Revised operative comments also read through S001. Not the entire 65-page preamble. Published July 22, 2020; effective October 20, 2020. Revoked specified underwriting provisions; did not repeal the payment regime. Fresh text read.
R011-P1-S015 CFPB, Payday Lending Rule—Model Forms and Clauses, May 2019: https://files.consumerfinance.gov/f/documents/cfpb_payday_lending-models-disclosures-and-clauses.pdf Entire extracted text of seven PDF pages: cover index 0; A-3 index 1; A-4 index 2; A-5 index 3; A-6 index 4; A-7 index 5; A-8 index 6. Printed numeric page labels were not established. Official generic models, dated May 2019. Fresh parsed-text read. Six screenshot attempts returned placeholders without inspectable image content. Pixels, typography and full visual layout not inspected.
R011-P1-S016 GPO, 2025 annual CFR, Part 1041: https://www.govinfo.gov/content/pkg/CFR-2025-title12-vol9/pdf/CFR-2025-title12-vol9-part1041.pdf Edition/header at printed p. 1029/index 0; Supplement I comment 7-1 at p. 1054/index 25; selected cross-check passages. Not all 37 pages read. Official annual edition revised January 1, 2025. Fresh selected text read; historical edition, not proof of October 2026 completeness. Same regulatory body as S001.
R011-P1-S017 Fifth Circuit, Community Financial Services Association of America, Ltd. v. CFPB, 51 F.4th 616 (2022): https://www.ca5.uscourts.gov/opinions/pub/21/21-50826-CV0.pdf Published panel majority, October 19, 2022. Printed pp. 1–15/indexes 0–14 read through overlapping body opens; beginning of p. 16/index 15; selected pp. 37–39/indexes 36–38, including disposition. Relevant pinpoints: p. 6 procedural history; p. 9 n.1; pp. 12–16 payment-rule challenges; p. 39 disposition. U.S. federal appellate authority, Fifth Circuit. Historical funding holding/vacatur reversed in 2024. Not the entire opinion read; later history checked only to the extent S018–S019 establish. No docket query.
R011-P1-S018 Supreme Court, CFPB v. Community Financial Services Association of America, Ltd., 601 U.S. 416 (2024): https://www.supremecourt.gov/opinions/23pdf/601us2r21_7648.pdf Actual Thomas majority passages, not merely syllabus: printed pp. 420–421/indexes 5–6; pp. 423–425/indexes 8–10; p. 435/index 20; p. 441/index 26, including reversal/remand. Selected other passages encountered; not all 58 PDF pages or the whole majority read. Decided May 16, 2024. Official preliminary print, subject to revision. U.S. Supreme Court. Narrow Appropriations Clause holding; no comprehensive Part 1041 or later-history certificate.
R011-P1-S019 Fifth Circuit, published remand opinion, 104 F.4th 930 (2024): https://www.ca5.uscourts.gov/opinions/pub/21/21-50826-CV1.pdf Entire two-page per curiam opinion: printed pp. 1–2/indexes 0–1. Published June 19, 2024. Reinstated the judgment on alternative arguments and rendered judgment consistent with the Supreme Court’s funding holding. No later docket/mandate-status investigation.
R011-P1-S020 CFPB, “CFPB Offers Regulatory Relief for Small Loan Providers”: https://www.consumerfinance.gov/about-us/newsroom/cfpb-offers-regulatory-relief-for-small-loan-providers/ Entire operative announcement paragraphs. Dated March 28, 2025; stated payment provisions become operative March 30, 2025. Agency enforcement/supervision prioritization, not a legislative rule repealing Part 1041. Fresh body read.
R011-P1-S021 CFPB, Payday Lending Rule compliance resources: https://www.consumerfinance.gov/compliance/compliance-resources/consumer-lending-resources/payday-lending-rule/ Main resource-page body, including the continued link to S020. Page displayed last modification June 1, 2026. Fresh status/resource read. Resource-page currency is not a complete legal-currentness audit.
R011-P1-S022 CFPB, Withdrawn Guidance register: https://www.consumerfinance.gov/compliance/guidance/withdrawn-guidance/ Entire displayed withdrawal list read, including relevant earned-wage-access, education-credit and overdraft entries. Displayed last modification July 22, 2026. Fresh register read. No circular, bulletin or advisory was used as a substantive foundation here. Absence from the list is not an exhaustive status certificate.
R011-P1-S023 CFPB, Interpretive Rules, Policy Statements, and Advisory Opinions; Withdrawal, 90 FR 20084: https://www.federalregister.gov/documents/2025/05/12/2025-08286/interpretive-rules-policy-statements-and-advisory-opinions-withdrawal; official PDF https://www.govinfo.gov/content/pkg/FR-2025-05-12/pdf/2025-08286.pdf Printed p. 20084/index 0, summary/dates; p. 20085/index 1, operative withdrawal discussion; selected § II. Entire § III PDF list not independently read; S022 supplied the complete displayed register. Applicable May 12, 2025. Fresh bounded publication read. Guidance withdrawal is not statutory or regulatory repeal.
R011-P1-S024 GPO, attempted 2026 annual CFR Part 1041: https://www.govinfo.gov/content/pkg/CFR-2026-title12-vol9/pdf/CFR-2026-title12-vol9-part1041.pdf Body retrieval failed. No pages or pixels read. Failure record only; no authority inferred from failure. The 2026 annual-edition verification remains unresolved.

2. Atomic claim register and substantive findings

2.1 Version, chronology, authority, and status

Claim ID Precise claim, trigger, conditions and exceptions Status and limits Source and pinpoint
R011-P1-C001 The retrieved eCFR displayed Title 12 current through October 23, 2026, while the actual access occurred October 27. Its title-wide “last amended” date does not establish when Part 1041 itself last changed. R/U. October 23–27 currency and any publication/compilation lag remain unresolved. S001, eCFR header and legal-edition statement. ecfr.gov
R011-P1-C002 Part 1041 rests on Title X authority; §§ 5531 and 5532 distinguish unfair/abusive-practice rulemaking from disclosure and model-form authority. The regulation, its official interpretations, an enforcement announcement, and a court holding are different kinds of authority. S/R. No individual remedy or all-law safe harbor follows merely from this authority structure. S001 § 1041.1; S003 §§ 5531(a)–(e), 5532(a)–(d). uscode.house.gov+2
R011-P1-C003 The 2017 final rule became effective January 16, 2018, with an original general compliance date of August 19, 2019. Current § 1041.15(c) still prints that compliance date for its listed payment-related provisions. H/R. Printed dates alone do not resolve subsequent judicial stays. The obsolete registration cross-reference in § 1041.15(b) is not an active registration instruction here. S012 dates; S001 § 1041.15(a)–(c). govinfo.gov+1
R011-P1-C004 The 2019 final rule delayed specified underwriting-related provisions to November 19, 2020 and made corrections; it did not convert the payment provisions’ printed compliance date to that underwriting date. H. Effective August 16, 2019. The later 2020 revocation superseded the delayed underwriting regime. S013, 84 FR 27907 and 27929, amendatory instructions 2–8. govinfo.gov+1
R011-P1-C005 Effective October 20, 2020, the CFPB removed/reserved the former mandatory-underwriting provisions, associated information-system provisions, specified definitions, record provisions and models A-1/A-2. It retained the payment provisions and revised the loan-agreement retention requirement. H/R. The surviving alternative-loan recurring-income documentation condition in § 1041.3(e)(3) was not erased. S014, 85 FR 44444–44445, instructions 1–10; S001 §§ 3(e)(3), 7–9, 12. govinfo.gov+2
R011-P1-C006 Official published sources report a November 6, 2018 stay of the compliance date. The 2022 published opinion also describes litigation-stay developments. These are distinct procedural matters. H/U. The original stay orders and complete later stay/mandate chain were not read; no case-record or docket search was made. March 30, 2025 is reported from S020, not calculated from an assumed remaining-day count. S013, p. 27907 n.5; S017, printed p. 6. govinfo.gov+1
R011-P1-C007 The Fifth Circuit’s 2022 majority rejected the reviewed statutory/APA payment-rule challenges, including arguments concerning debit/prepaid channels and different installments, but held the funding arrangement unconstitutional and vacated the rule. Its unfairness analysis did not separately decide abusiveness. H—funding holding and vacatur later reversed. The 2022 vacatur must not be described as the current disposition. S017, pp. 9 n.1, 12–16, 39; actual majority text. ca5.uscourts.gov+2
R011-P1-C008 The Supreme Court’s May 16, 2024 majority held the CFPB’s statutory funding arrangement satisfied the Appropriations Clause and reversed and remanded. Published judicial holding. This was a funding holding, not a decision validating every payment-rule application, every lender, or every possible challenge. S018, 601 U.S. 420–425, 435, 441; PDF indexes 5–10, 20, 26. supremecourt.gov+2
R011-P1-C009 On June 19, 2024, the Fifth Circuit reinstated its judgment affirming rejection of the alternative arguments and rendered judgment consistent with the Supreme Court’s constitutional funding holding. Published judicial disposition. Full later history beyond the reviewed publications remains held. S019, entire two-page opinion. ca5.uscourts.gov
R011-P1-C010 The March 28, 2025 CFPB announcement said it would not prioritize enforcement or supervision actions concerning penalties or fines associated with the payment-withdrawal and payment-disclosure provisions once operative March 30, 2025; it also contemplated a future proposed narrowing. P. Nonprioritization is not repeal, vacatur, a stay, blanket immunity, or an adopted amendment. The contemplated proposal was not treated as operative law. S020, operative announcement paragraphs; S021 continued resource link. Consumer Financial Protection Bureau+1
R011-P1-C011 Targeted official-source searches did not establish a later final repeal, congressional disapproval, amendment, or published decision displacing the reviewed payment text. U. A failure to establish a later change is not proof none exists. The annual-CFR failure, eCFR October 23 boundary, House October 15 compilation boundary, and incomplete later litigation history prevent an exhaustive October 27 applicability certificate. S001, S002–S003, S017–S024; search/read log below.
R011-P1-C012 The CFPB Withdrawn Guidance register and May 2025 withdrawal publication were checked. No CFPB circular, bulletin, or advisory was relied on for the substantive rules in this report. P/H. Withdrawn guidance is distinct from the regulation, statute, or published judgment. Withdrawal does not repeal those authorities. S022 full displayed register; S023 operative withdrawal text. Consumer Financial Protection Bureau+1
R011-P1-C013 Part 1041 still prints 16 CFR 310.2(cc) for remotely created payment orders. Current FTC text places that definition at (dd); the 2024 final rule explains the redesignation, effective May 16, 2024. R/H; INF as to effect. The printed Part 1041 reference is preserved here, not silently corrected. Its broad, nonexclusive payment-transfer definition remains relevant independently; an actual instrument’s legal classification is held. S001 §§ 8(a)(1)(i)(D), 9(b)(2)(ii)(B)(6), comment 3(c)-2; S008 (cc)–(dd); S009 amendatory instruction 2. Consumer Financial Protection Bureau+2

2.2 Necessary definitions and coverage

Claim ID Precise claim, trigger, conditions and exceptions Status and limits Source and pinpoint
R011-P1-C014 “Consumer” incorporates 12 USC 5481(4): an individual, including an agent, trustee, or representative acting for an individual. S/R. No actual person or representative relationship classified. S001 § 2(a)(4), (b); S002 § 5481(4). uscode.house.gov+1
R011-P1-C015 A lender is a person regularly extending credit primarily for personal, family or household purposes. Comment 2(a)(13)-1 imports the regularity test in Reg Z § 1026.2(a)(17)(v) and counts all such consumer loans, not only Part 1041 covered loans. The ordinary thresholds are more than 25 extensions, or more than 5 dwelling-secured extensions, in the preceding calendar year; if unmet, apply the current year. The separate high-cost-mortgage branch uses more than one qualifying extension, or one or more through a mortgage broker, in any 12 months. R/I. No lender-volume, mortgage, license, or organizational finding. S001 § 2(a)(13), comment 2(a)(13)-1; S005 § 1026.2(a)(17)(v). Consumer Financial Protection Bureau+1
R011-P1-C016 “Account” incorporates Reg E § 1005.2(b), including consumer deposit/other asset accounts within that definition and qualifying prepaid accounts; a bona fide trust account is excluded by (b)(2). R/I. A card label alone does not establish a qualifying account. Detailed actual prepaid/account classification is held. S001 § 2(a)(1), (b); S004 § 1005.2(b) and comments. Consumer Financial Protection Bureau
R011-P1-C017 “Credit” incorporates Reg Z’s right to defer payment of debt or incur debt and defer its payment. Closed-end credit is credit that is not Part 1041 open-end credit. Part 1041 adapts Reg Z’s open-end definition but does not require a right to impose a finance charge. R/I. Repeated-transaction and replenishment features still matter; labels do not decide structure. S001 §§ 2(a)(3), (11), (16), (b); S005 § 1026.2(a)(14), (20) and relevant comments. Consumer Financial Protection Bureau+1
R011-P1-C018 Consummation occurs when the consumer becomes contractually obligated on a new loan or a modification increasing an existing loan’s amount. Applicable law determines that obligation; a preliminary financial commitment alone is insufficient. R/I. No contract formation or governing-law conclusion. S001 § 2(a)(5), comment 2(a)(5)-1. Consumer Financial Protection Bureau
R011-P1-C019 “Affiliate” and “service provider” incorporate § 5481(1) and (26). Material assistance in offering/providing consumer financial products can qualify; the statute contains limitations for solely general business support and advertising, among others. Credit-access/service organizations can be service providers when the material-service test is met. S/R/I. Service-provider status and agency attribution require their own facts; affiliation does not automatically make every affiliate the same lender for the two-failure count. S001 §§ 2(a)(2), (18), comment 2(a)(18)-1; S002 § 5481(1), (26)(A)–(C). uscode.house.gov+1
R011-P1-C020 Coverage requires a lender making household-purpose closed- or open-end credit that satisfies at least one § 3(b) predicate and is neither excluded under (d) nor conditionally exempt under (e) or (f). R/I. “Payday,” “title,” “pawn,” “installment,” “cash advance,” or “tribal” is not a substitute for the predicates. S001 § 3(a)–(b), comments 3(b)-1–2. Consumer Financial Protection Bureau
R011-P1-C021 The short-term branch covers single-advance closed-end credit requiring substantially the entire loan within 45 days of consummation; other structures use substantially the entire advance within 45 days of that advance. “Substantially” is a facts-and-circumstances substantial-majority test. A qualifying deposit-sweep right can satisfy it even without an actual deposit. Voluntary early repayment alone does not. R/I. No invented percentage threshold. For ambiguous schedules, whether nonpayment within the period would breach the agreement under applicable law matters. S001 § 3(b)(1), comments 3(b)(1)-1–5. Consumer Financial Protection Bureau
R011-P1-C022 For loans outside the short-term branch, the balloon branch includes a required substantially entire single payment more than 45 days after consummation/advance, or a required payment more than twice another payment. It also covers specified multi-advance structures whose minimums may not amortize the balance and whose final payment could exceed twice the other minimums. Scheduled principal and charges count; actual unanticipated late/default/over-limit charges and default acceleration are excluded from this comparison. R/I. This is not a calculation of any actual balloon or default balance. S001 § 3(b)(2)(i)–(ii), comments 3(b)(2)-1–4. Consumer Financial Protection Bureau+1
R011-P1-C023 The residual longer-term branch requires both cost of credit exceeding 36% per annum and a leveraged payment mechanism. Closed-end cost is measured at consummation. Section 2(a)(6) incorporates Reg Z finance charges and the specified closed-/open-end calculation methods. R/I. The 36% predicate is not a usury cap and is not a prerequisite for the short-term or balloon branches. Complete APR/fee calculations remain held. S001 §§ 2(a)(6), 3(b)(3)(i)–(ii). Consumer Financial Protection Bureau+1
R011-P1-C024 Open-end cost is tested at consummation and, if not then above 36%, at each billing-cycle end. A cycle with a finance charge and zero principal satisfies the cost condition. Once met, the cost condition remains met for the plan’s duration. A loan may become covered later when both cost and mechanism predicates coincide. R/I. Comment 3(b)(3)-3 illustrates compliance beginning with the next billing cycle after a cycle-end crossing; no actual cycle or date calculated. S001 § 3(b)(3)(i)(B), comments 3(b)(3)-1–3. Consumer Financial Protection Bureau
R011-P1-C025 A leveraged payment mechanism is a right of the lender/service provider to pull money from the consumer’s account without further consumer action, on one occasion or repeatedly. It includes qualifying checks, EFT authority, remotely created instruments and internal setoff. A contractual right to elect future/default authorization can suffice. Consumer-controlled bank bill pay is a push; a qualifying single immediate payment request alone is excluded from this mechanism definition. R/I. The immediate-payment exclusion from the mechanism definition does not exempt an otherwise covered short-term/balloon loan. S001 § 3(c), comments 3(c)-1–4 and 3(b)(3)(ii)-1–2. Consumer Financial Protection Bureau
R011-P1-C026 Purchase-money exclusion: credit solely and expressly financing the consumer’s initial purchase of a good, secured by that good, is excluded whether or not the security interest is perfected/recorded. Specified taxes and legally required licensing/registration costs can be included. A refinance of purchase credit does not qualify for this exclusion. R/I. Existing-collateral title lending is not automatically initial-purchase financing. S001 § 3(d)(1), comment 3(d)(1)-1. Consumer Financial Protection Bureau
R011-P1-C027 Real-property/dwelling exclusion: credit secured by real property, or personal property used/expected to be used as a dwelling, is excluded only if the lender records or otherwise perfects the security interest within the loan term. R/I. Mere contractual security language without the specified perfection/recording condition is insufficient for this exclusion. S001 § 3(d)(2), comment 3(d)(2)-1. Consumer Financial Protection Bureau
R011-P1-C028 Credit-card exclusion: a credit-card account under an open-end, not home-secured consumer credit plan as defined in Reg Z § 1026.2(a)(15)(ii) is excluded. R. Using a debit/prepaid card to repay another loan does not make that loan an excluded credit-card account. S001 § 3(d)(3); S005 § 1026.2(a)(15)(ii). Consumer Financial Protection Bureau+1
R011-P1-C029 Education exclusion: qualifying HEA Title IV credit and “private education loans” under § 1026.46(b)(5) are excluded. The latter definition requires specified postsecondary educational purpose and excludes open-end and real-property/dwelling-secured credit; it also excludes certain institution-creditor arrangements, including terms of 90 days or less, or no-interest terms of one year or less. R. A student-purpose label alone is insufficient. Underlying HEA program and educational-institution facts remain held; the entire HEA was not reviewed. S001 § 3(d)(4); S005 § 1026.46(b)(5) and comments. Consumer Financial Protection Bureau+2
R011-P1-C030 Pawn exclusion: the lender must have sole physical possession and use of the property throughout the loan term, and its sole recourse must be retaining that property if not redeemed. Consumer possession/use, even limited use, defeats that condition; personal deficiency liability of the consumer, cosigner or guarantor defeats sole recourse. R/I. Pawn/title labels alone do not establish exclusion. Forfeiture and collateral law remain held. S001 § 3(d)(5), comment 3(d)(5)-1. Consumer Financial Protection Bureau
R011-P1-C031 Overdraft exclusion: overdraft services defined by Reg E § 1005.17(a), and overdraft lines excluded from that definition by § 1005.17(a)(1), are excluded. R/I. This exclusion was independently read. It does not incorporate any unreviewed R010 fee analysis or establish bank-fee immunity. S001 § 3(d)(6), comment 3(d)(6)-1; S004 § 1005.17(a). Consumer Financial Protection Bureau+1
R011-P1-C032 Wage-advance exclusion: credit must be advanced by an FLSA employer or its business partner to employees, only against accrued earned cash wages. Before advancement, the contract must warrant, for the advancing entity and relevant partners: no charges other than program participation; no legal/contractual remedy for nonpayment; and no collection, debt placement/sale, or consumer-reporting activity if unpaid as specified. R/I. A one-time account authorization is not itself inconsistent with the no-remedy warranty. Accrued wages depend on state-law entitlement upon separation, which is held. S001 § 3(d)(7)(i)–(ii)(A)–(C), comments; S011 § 203(d). Consumer Financial Protection Bureau+1
R011-P1-C033 No-cost-advance exclusion: no charge or fee may be required for eligibility or receipt, and before advancement the contract must warrant no legal/contractual nonpayment remedy and no collection, placement/sale as debt, or consumer reporting if unpaid on the scheduled date. R/I. A one-time account authorization is permitted by the comment; “no interest” alone is not the full exclusion. S001 § 3(d)(8)(i)–(ii), comment 3(d)(8)-1. Consumer Financial Protection Bureau
R011-P1-C034 Alternative-loan terms: closed-end; term one through six months; principal $200 through $1,000; at least two substantially equal payments at substantially equal intervals; complete amortization; no charges beyond the rate/application fees allowed by the cited NCUA PALs I provision. R/I. Minor cents/calendar variations can be disregarded as specified. Interest-only or front-loaded interest/fee schedules do not satisfy full-amortization conditions. The comment’s illustrative variation is not a universal percentage safe harbor. S001 § 3(e)(1)(i)–(v), comments 3(e)(1)(iv)-1–3 and (v)-1. Consumer Financial Protection Bureau
R011-P1-C035 Before an alternative loan, the lender must determine from its own records that the consumer would not be indebted on more than three outstanding alternative loans from that lender within the specified consecutive 180-day period, and must have no more than one alternative loan at a time. The period runs from 180 days before consummation through consummation. R/I. This is not merely a count of origination dates. An outside consumer report is not required by this condition. S001 § 3(e)(2), comments 3(e)(2)-1–4. Consumer Financial Protection Bureau
R011-P1-C036 An alternative-loan lender must maintain and follow policies for documenting proof of recurring income. R/I. This limited condition survives; it is not reinstatement of the revoked comprehensive ability-to-repay provisions. S001 § 3(e)(3), comment 3(e)(3)-1; S014. Consumer Financial Protection Bureau
R011-P1-C037 A federal credit-union loan complying with § 701.21(c)(7)(iii), PALs I, receives the § 3(e)(4) safe harbor. Its conditions include the relevant amount/term/amortization limits, borrowing limits, membership period, restricted rollovers, actual-cost application fee capped at $20, lending-policy/aggregate limits, and the rate formula tied to the current Board ceiling. R/I, partial rate verification. This is not a blanket credit-union or PALs II exemption. The rate formula is 1,000 basis points above the applicable general ceiling; that current ceiling was not independently established. Other-law permissibility remains necessary. S001 § 3(e)(4), comment 3(e)-1; S006 § 701.21(c)(7)(iii). Consumer Financial Protection Bureau+1
R011-P1-C038 Accommodation exemption: at consummation, lender and affiliates together must have made no more than 2,500 covered loans in both the current and preceding calendar years, plus satisfy the 10% receipts test for the latest completed operating tax year, or the specified reasonable current-year forecast for a new lender. Specified covered longer-term loans whose transfers all meet § 8(a)(1)(ii), and their receipts, are excluded from these calculations. R/I. Forecasts must reasonably account for known substantial changes. Actual affiliate aggregation, counts and receipts are held. S001 § 3(f)(1)–(3), comments 3(f)-1–2. Consumer Financial Protection Bureau
R011-P1-C039 For accommodation lending, receipts are defined using total income—or sole-proprietor gross income—plus cost of goods sold. Specified capital gains/losses, pass-through taxes and amounts collected for another are excluded; earned fees and listed business costs are not generally deducted. “Tax year” uses the stated annual-accounting-period meaning. R. No tax return, receipts calculation, tax advice, or IRS form audit performed. S001 § 3(g)–(h). Consumer Financial Protection Bureau
R011-P1-C040 None of these generic definitions establishes coverage, exclusion, exemption, sovereign authority, or enforceability for any actual payday/title/pawn/installment/tribal/advance arrangement. U/INF. Actual classification and all held state, tribal, country and contract questions remain open. S001 §§ 2–3; particularly comment 3(e)-1 preserving other applicable law. Consumer Financial Protection Bureau

2.3 Payment-transfer definition, failures, sequence, and scope

Claim ID Precise claim, trigger, conditions and exceptions Status and limits Source and pinpoint
R011-P1-C041 A payment transfer is a lender-initiated debit/withdrawal from a consumer account to collect an amount due or purportedly due on a covered loan. Agent-initiated withdrawals count. Scheduled payments, partial amounts, acceleration amounts and fees can qualify; a disputed or legally unowed amount can still be a payment transfer. R/I. Calling the amount disputed does not remove the transfer from the rule; the debt’s validity itself is held. S001 § 8(a)(1), comments 8(a)(1)-1–3. Consumer Financial Protection Bureau
R011-P1-C042 The definition is method-neutral and nonexclusive: EFTs, debit/prepaid-card transfers, signature checks processed through check or ACH networks, remotely created checks/orders, and qualifying internal transfers, sweeps and setoff can count. A paper-check transaction need not be a Reg E EFT to be a Part 1041 payment transfer. R/I. The FTC cross-reference mismatch in C013 remains flagged. S001 § 8(a)(1)(i)(A)–(E), comments; S004 § 1005.3(b); S007–S009. Consumer Financial Protection Bureau+2
R011-P1-C043 Consumer cash payment, consumer bank online/mobile bill payment, and repayment pursuant to a valid account-garnishment court order are examples the interpretation does not treat as lender-initiated payment transfers. I. This does not decide a garnishment order’s validity or authorize litigation/collection action. S001 comment 8(a)(1)-4. Consumer Financial Protection Bureau
R011-P1-C044 An account-holding lender’s transfer is excluded only when both contractual protections were effective when the loan was made and remain through its duration: no insufficient-funds-related charge other than a legally permitted loan late fee; and no account closure in response to the negative balance caused by the covered-loan transfer. R/I. A discretionary fee waiver is insufficient. Closure for a different specified reason may remain possible. This is a transfer exclusion, not a blanket loan exemption; excluded transfers are outside §§ 7–9 for that transaction. S001 § 8(a)(1)(ii)(A)–(B), all accompanying comments. Consumer Financial Protection Bureau
R011-P1-C045 Section 7 identifies the specified further-withdrawal practice as unfair and abusive; comment 7-1 states that compliance with § 8 means the lender has not committed that identified practice for the covered loan. R/I. The statement is not an all-law safe harbor or license validation. S001 § 7 and Supplement I comment 7-1; S016 p. 1054/index 25. Consumer Financial Protection Bureau+1
R011-P1-C046 After two consecutive qualifying failures, the lender must not initiate further payment transfers from that account for covered loans the consumer has with that lender, absent an applicable exception. The failures can involve different covered loans; old contractual authorization or a postdated check does not itself remove the bar. R/I. Affiliation alone is not an instruction to pool every lender’s counts. Actual lender/agent identity relationships remain held. S001 § 8(b)(1), comments 8(b)-1–4. Consumer Financial Protection Bureau+1
R011-P1-C047 Ordinarily, a qualifying failure is a return unpaid or decline because of insufficient funds. A return for another reason, such as an incorrectly entered account number, is not a failed transfer for this prohibition. R/I. A “returned” label alone is insufficient; the reason matters. No actual return code was queried or classified. S001 § 8(b)(1), comments 8(b)(1)-1 and -3. Consumer Financial Protection Bureau
R011-P1-C048 For a nonexcluded transfer by the account-holding lender, an amount exceeding available funds is a failed transfer even if internally coded differently or fully paid through overdraft. Merely observing insufficient funds and deferring the debit is not an initiated failed transfer. R/I. Apply the account-holding exclusion first; no universal “paid means successful” assumption. S001 § 8(b)(1), comment 8(b)(1)-4. Consumer Financial Protection Bureau
R011-P1-C049 A qualifying failure is a first failure when no other relevant transfer has been initiated from the account, when the immediately preceding transfer was successful, or when it is the first failure following a valid § 8(c) authorization. R. These are the actual listed branches; no generic reset based on elapsed time is supplied. S001 § 8(b)(2)(i)(A)–(C). Consumer Financial Protection Bureau
R011-P1-C050 A qualifying failure is the second consecutive failure when the immediately preceding transfer was a first failed transfer. Transfers initiated simultaneously or on the same day can supply the sequence. Different channels do not prevent counting. R/I. Splitting an attempted collection does not necessarily create separate fresh counting periods. S001 § 8(b)(2)(ii)–(iii), comments 8(b)(2)(ii)-1–2 and 8(b)(2)(iii)-1. Consumer Financial Protection Bureau+1
R011-P1-C051 The prohibition attaches when the lender or its agent receives the second qualifying return. For the account-holding lender’s applicable transfer, it attaches on initiation of the second qualifying failed transfer. I. Internal lender knowledge cannot automatically be postponed beyond processor/agent receipt. S001 comment 8(b)(1)-2. Consumer Financial Protection Bureau
R011-P1-C052 Before the bar, a successful payment transfer supplies the stated reset branch; a cash payment does not because it is not a payment transfer. After the bar, a § 8(d) immediate payment leaves the consecutive-failure count at two whether it succeeds or fails. I. Successful voluntary payment under (d) does not revive the old recurring authority. S001 comments 8(b)(2)(i)-1 and 8(b)(2)(ii)-3. Consumer Financial Protection Bureau+1
R011-P1-C053 The specific bar concerns the affected account. The commentary also distinguishes a bona fide subsequent new loan originated after the bar from a refinance/rollover of a covered loan already subject to it. I. Another account is not automatically prohibited by this particular count, but independent authority and anti-evasion rules still matter. Relabeling/refinancing the existing loan is not the bona fide-new-loan exception. S001 comments 8(b)-1–4. Consumer Financial Protection Bureau
R011-P1-C054 The two-failure restriction regulates collection transfers; it does not itself discharge the debt, validate a license/contract, cancel every possible bank fee, or forbid consumer cash/bank-push payments and properly qualifying (c)/(d) transfers. INF, supported by the rule’s defined scope and express exceptions. Other laws may separately govern those subjects; they are held. S001 §§ 8(a)–(d), 2(a)(17); C041–C053, C056–C067. Consumer Financial Protection Bureau+2
R011-P1-C055 A non-NSF return is not itself one of the two qualifying failures. However, the text’s separate “immediately preceding successful transfer” language should not be replaced with an assumption that every non-NSF return was successful. U for atypical longer mixed sequences. Exact treatment beyond the expressly read branches remains unresolved where an intervening unsuccessful non-NSF return complicates later counting. S001 § 8(b)(2)(i)–(ii), comments 8(b)(1)-3 and 8(b)(2)(i)-1. Consumer Financial Protection Bureau

2.4 Further-transfer authorization and consumer-requested immediate payments

Claim ID Precise claim, trigger, conditions and exceptions Status and limits Source and pinpoint
R011-P1-C056 Section 8(c) authorization is additional to, not a replacement for, any underlying payment authorization or instrument required by other applicable law. I. Generic original contract language is not automatically the new rule-specific authorization. S001 § 8(c)(1), comment 8(c)(1)-1. Consumer Financial Protection Bureau
R011-P1-C057 Ordinarily, each additional transfer must be authorized by specific month/day/year, amount and payment channel. An amount equal to or below the authorized amount satisfies the amount condition; a larger amount does not. R/I. The date/channel and all other conditions still apply; reduced amount alone is insufficient. S001 § 8(c)(2)(i), comments 8(c)(2)(i)-1–4. Consumer Financial Protection Bureau
R011-P1-C058 A § 8(c)-authorized transfer returned for NSF may be reinitiated on or after its authorized date only if that return has not again triggered the prohibition. R. This is a limited date exception, not unlimited retries. S001 § 8(c)(2)(ii). Consumer Financial Protection Bureau
R011-P1-C059 A transfer solely collecting a late or returned-item fee can omit a specific date/amount only if advance authorization clearly states that purpose, the highest possible fee amount, and the channel. Varying-fee factors must be assumed at their maximum for that disclosure. R/I. This exception does not establish that the fee itself is lawful. S001 § 8(c)(2)(iii), comments 8(c)(2)(iii)-1–3. Consumer Financial Protection Bureau
R011-P1-C060 The lender may request the new authorization no earlier than the date it provides the consumer-rights notice. The request must contain the specific terms and applicable fee statement. Alternative offers and follow-up requests are not categorically forbidden. R/I. Request timing differs from the later receipt-based condition for obtaining agreement. S001 § 8(c)(3)(ii), comments 8(c)(3)(ii)-1–2. Consumer Financial Protection Bureau
R011-P1-C061 Request terms may be given in writing by mail/in person, or retainable email with qualifying § 9 consent or agreement during a consumer-initiated response to the rights notice. Oral telephone delivery of the required terms requires the consumer to initiate that responsive call and agree during it. Rights notice and request may share a communication if properly segregated. R/I. An outbound lender call may discuss options but does not satisfy the special oral-delivery branch. Electronic provision of request terms is distinguished from electronic signing. S001 § 8(c)(3)(ii)(A)–(B), all accompanying comments. Consumer Financial Protection Bureau+1
R011-P1-C062 The authorization must be signed or otherwise agreed to in writing/electronically in retainable form and obtained no earlier than the consumer’s receipt of the rights notice. In-person/electronic receipt is when provided; mailed receipt is the earlier of the third business day after mailing or an affirmative response to that mailed notice. R/I. Mailing the request and notice together does not by itself permit obtaining agreement before deemed/actual responsive receipt. S001 § 8(c)(3)(iii)(A), comments -1–2. Consumer Financial Protection Bureau
R011-P1-C063 Electronic agreement must meet the referenced E-SIGN electronic-record/signature requirements. If authorization is granted during an oral telephone communication, the lender must record the call and retain it. R/I. A telephone conversation is not automatically a legally sufficient underlying recurring-EFT authorization under Reg E. S001 § 8(c)(3)(iii)(A)–(B); S010 §§ 7001(a)–(b), 7006(4), (5), (9). Consumer Financial Protection Bureau+2
R011-P1-C064 If the agreement is telephonic or otherwise not immediately retainable, the lender must provide retainable memorialization by the first authorized transfer’s initiation date. Mailing/transmission supplies the provision date; a copy of the audio recording alone is insufficient. Email must meet the specified request-email conditions. R/I. Actual delivery method, content and timing remain unknown. S001 § 8(c)(3)(iii)(C), comments -1–3. Consumer Financial Protection Bureau
R011-P1-C065 A § 8(c) authorization becomes void for that exception when a new § 8(c) authorization is obtained or when two consecutive transfers under it fail. R. No separate comprehensive Part 1041 payment-authorization revocation procedure is invented here. Underlying Reg E rights and § 9 electronic-notice consent revocation are distinct. S001 § 8(c)(4)(i)–(ii); S004 § 1005.10(c); S001 § 9(a)(4)(ii). Consumer Financial Protection Bureau
R011-P1-C066 A “single immediate payment transfer” is a one-time EFT initiated within one business day after authorization, or the consumer’s signature check processed through check/ACH within one business day after provision. Initiation occurs when the lender/agent sends the transfer beyond its control; an internal handoff alone is insufficient. A mailed check is provided when received. R/I. No actual calendar computation made. S001 § 8(a)(2)(i)–(ii), comments 8(a)(2)(i)-1 and (ii)-1–2. Consumer Financial Protection Bureau+1
R011-P1-C067 After the bar, § 8(d) permits that immediate transfer if its underlying one-time authorization/check is obtained no earlier than the rights-notice provision date or the consumer’s affirmative contact about repayment, whichever is earlier. Each request supports one attempt only; another attempt requires a fresh qualifying (c) or (d) basis. R/I. Separate qualifying requests can occur repeatedly, but success does not reset the barred count. The rights-notice duty remains. S001 § 8(d)(1)–(2), comments 8(d)-1–3 and 8(b)(2)(ii)-3. Consumer Financial Protection Bureau
R011-P1-C068 For recurring preauthorized EFTs within Reg E, § 1005.10(b) requires written/similarly authenticated consumer authorization and a copy. Check conversion and returned-item-fee EFTs have their own § 1005.3(b)(2)–(3) authorization/notice predicates. R/I, bounded overlay. Part 1041 compliance does not establish those separate predicates. No full Reg E fee or electronic-transfer audit is supplied. S004 §§ 1005.2(k), 1005.3(b)(2)–(3), 1005.10(b). Consumer Financial Protection Bureau+1
R011-P1-C069 Reg E permits stopping a scheduled preauthorized EFT through oral/written notice to the account institution at least three business days before it. The institution may require written confirmation within 14 days, subject to the contemporaneous instruction/address conditions. The official interpretation separately addresses notice of revoked authorization and blocking future debits. R/I. These are separate rights and predicates, not a conclusion about any actual bank’s duties, deadline or liability. S004 § 1005.10(c)(1)–(2), comments 10(c)-1–3. Consumer Financial Protection Bureau
R011-P1-C070 Reg E’s varying-amount preauthorized-EFT notice generally uses 10 days before transfer, subject to its informed range/difference option and stated exceptions. Section 1005.10(e)(1) also restricts conditioning credit on repayment by recurring preauthorized EFT, with specified exceptions. R/I. Part 1041’s notice periods do not automatically satisfy these separate rules. This is not a comprehensive Reg E/Reg Z review. S004 § 1005.10(d), (e)(1) and comments. Consumer Financial Protection Bureau+1
R011-P1-C071 Sections 8(e) and 13 prohibit intentional evasion. Substance and circumstances control over labels; knowing or reckless conduct can qualify, and fraud is not a prerequisite. Conduct solely for legitimate business purposes is distinguished. R/I. No actual intent finding. Test transfers or splitting arrangements require facts; the official illustration is not a per se conclusion about every small transfer. S001 § 8(e), comments 8(e)-1–2; § 13 and comment. Consumer Financial Protection Bureau

2.5 Notices: form, channel, timing, content, exceptions, and combination

Claim ID Precise claim, trigger, conditions and exceptions Status and limits Source and pinpoint
R011-P1-C072 Notices must be clear/conspicuous, understandable and noticeable, and viewable on paper or screen. Oral or recorded notices do not satisfy § 9. They must be retainable, except the short notices delivered by text/app; short email notices remain retainable. R/I. The exception does not excuse retention capability for the full electronic notice. S001 § 9(a)(1)–(3), comments. Consumer Financial Protection Bureau
R011-P1-C073 Electronic delivery requires affirmative written/electronic consent to each particular method. The consumer must separately be offered email; email alone may be the offered electronic method. R/I. Generic electronic contracting or consent to one channel does not automatically establish consent to another. Section 9 uses its own consent framework without E-SIGN delivery formalities. S001 § 9(a)(4)(i)(A)–(B), comments 9(a)(2)-1 and 9(a)(4)(i)-1. Consumer Financial Protection Bureau
R011-P1-C074 A method can no longer be used after consent is revoked by any reasonable means or the lender receives information that the consumer cannot receive/access notices through it. Another separately consented method may remain available. R/I. After a timely notice already provided, the specified commentary permits the currently disclosed payment to proceed; future unusual notices require alternate delivery. Notice-consent loss is distinct from payment-authorization revocation. S001 § 9(a)(4)(ii), comments; §§ 9(b)(2)(i)(B)(2), 9(b)(3)(i)(B)(2). Consumer Financial Protection Bureau+2
R011-P1-C075 Required notices must be segregated from other materials, allowing only specified identification/branding/navigation additions. Other content cannot surround the required content; it can be in a separate paper/page. Electronic full payment and rights notices must be machine readable and accessible through both browsers and screen readers. R/I. A PDF extension alone does not establish accessibility. S001 § 9(a)(5)–(6), comment 9(a)(5)-1. Consumer Financial Protection Bureau
R011-P1-C076 Use of the official models is optional, but required content, order and format must be substantially similar to the applicable models. The official comment provides a disclosure safe harbor for model use. Another language may be used if English is available on request. R/I. Model use does not excuse timing, consent, truthful population, or other-law defects. S001 § 9(a)(7)–(8), comment 9(a)(7)-1; Appendix A. Consumer Financial Protection Bureau
R011-P1-C077 The first-payment notice concerns the first scheduled transfer for a particular covered loan, excluding a qualifying immediate transfer. A loan’s first transfer after becoming covered can be the first withdrawal. Changing authorization later does not automatically create a new first withdrawal. An intervening cash payment can leave the original timely first notice sufficient for the next scheduled withdrawal, subject to unusual-withdrawal duties. R/I. “First payment ever received” is not the test. S001 § 9(b)(1)(i), comments 9(b)(1)(i)-1–3. Consumer Financial Protection Bureau+1
R011-P1-C078 An unusual withdrawal involves one or more of: an amount larger or smaller than scheduled; a different/unscheduled date; a channel different from the directly preceding transfer; or reinitiation of a returned transfer. For open-end credit, the amount comparison is to the minimum due disclosed on the periodic statement. R/I. Retry notices are not limited to NSF returns; fee-only/unscheduled collections can trigger amount/date disclosures. S001 §§ 9(b)(1)(ii), 9(b)(3)(ii)(C)(1)–(4), comments -1–4. Consumer Financial Protection Bureau
R011-P1-C079 The § 9(b) payment notice is not required for the initial transfer after valid § 8(c) authorization, even if unusual, or for a qualifying § 8(a)(2) immediate transfer. For an authorized series, the first exception covers only the initial transfer. R/I. These exceptions concern payment notices, not automatic cancellation of the consumer-rights notice. S001 § 9(b)(1)(iii)(A)–(B), comments -1–2. Consumer Financial Protection Bureau
R011-P1-C080 A first-payment notice may be sent no earlier than payment authorization. Mail requires at least six business days before initiation; electronic delivery/in person requires at least three business days. Mailing/sending, rather than consumer receipt, starts the disclosed notice interval. R/I. No actual holiday or business-day calendar was applied. S001 § 9(b)(2)(i)(A)–(C), timing comments. Consumer Financial Protection Bureau
R011-P1-C081 An unusual-payment notice by mail must be sent 10 through 6 business days before initiation; electronic/in-person notice uses 7 through 3 business days before initiation. R. These include an earliest as well as latest permitted point, unlike the first notice’s authorization-based earliest point. Open-end exception addressed separately. S001 § 9(b)(3)(i)(A)–(C). Consumer Financial Protection Bureau
R011-P1-C082 An open-end unusual notice may accompany the Reg Z § 1026.7(b) periodic statement using applicable statement timing. For relevant non-card open-end statements, § 1026.5(b)(2)(ii)(B) supplies the conditional 21-day grace-period and 14-day late-treatment timing requirements. R, bounded overlay. Section 9 segregation still applies; this is not permission to bury the notice in unrelated statement text. Full periodic-statement content and any actual statement calendar remain held. S001 § 9(b)(3)(i)(D); S005 §§ 1026.5(b)(2)(ii)(B), 1026.7(b). Consumer Financial Protection Bureau+1
R011-P1-C083 The full first notice requires the prescribed “Upcoming Withdrawal Notice” identification and lender name; initiation date; total transfer amount; enough account information without the full account number; loan identification; specific channel; and a check number when applicable. R/I. Initiation means release beyond lender/agent control to third-party processing. Actual identifying entries were not obtained or invented. S001 § 9(b)(2)(ii)(A)–(B)(6), comments. Consumer Financial Protection Bureau
R011-P1-C084 Its payment-breakdown table must show principal even when zero, accrued interest, applicable fees/other charges, total, and the prescribed applicable interest-only/negative-amortization statement. It also needs lender name, a different transfer-facing name if used, and two different forms of contact information. R/I. Fees may be aggregated or separately stated as allowed. No actual amount or fee legality determined. S001 § 9(b)(2)(ii)(C)(1)–(7), (D), comments. Consumer Financial Protection Bureau+2
R011-P1-C085 The unusual notice uses its prescribed alert heading, the basic transfer/breakdown/contact content, and all applicable unusual explanations. A retry explanation includes the prior unsuccessful attempt’s date, amount and reason for return; a channel-change explanation identifies the former channel. R/I. This is not satisfied merely by saying “payment due.” S001 § 9(b)(3)(ii)(A)–(C). Consumer Financial Protection Bureau
R011-P1-C086 Electronic short payment notices contain the identification, date, amount and limited account information, plus a unique URL when the full notice is linked rather than attached as PDF. Unusual short notices add applicable amount/date/channel changes. The short-notice list does not separately enumerate the full notice’s retry-history field. R. The full notice still must contain all applicable retry details. A short notice alone is insufficient. S001 § 9(b)(4)(i)–(ii)(A)–(B). Consumer Financial Protection Bureau
R011-P1-C087 With valid email consent, the lender may put the full notice in the email body, or send the full notice by linked webpage/PDF attachment with the required short notice. The interpretation specifies the identifying statement in email subject and body. Other electronic methods use the full-plus-short structure. R/I. A bare link without required short content is insufficient. S001 § 9(b)(4)(iii), comments 9(b)(4)-1, 9(b)(4)(ii)(A)-1. Consumer Financial Protection Bureau+1
R011-P1-C088 After the two failures described in § 8(b), a consumer-rights notice must be sent no later than three business days after the lender or agent receives information of the second failure. R/I. The trigger is information receipt by either; actual processing or management review dates are unknown. S001 § 9(c)(1)–(2), comment 9(c)(2)-1. Consumer Financial Protection Bureau
R011-P1-C089 The full rights notice must identify the lender’s inability to continue withdrawals; describe the two NSF failures or applicable overdraft result; identify the account without its full number and associated covered loans; state the federal permission restriction and possible contact about choices; and tabulate scheduled due dates, attempt dates, amounts and lender-charged fees. The final information must be the prescribed CFPB statement and www.cfpb.gov/payday. R/I. When the lender holds the account, the fee field includes relevant loan and deposit-account fees. The full account number must not be supplied. S001 § 9(c)(3)(i)–(viii), comments 9(c)(3)-1–2. Consumer Financial Protection Bureau
R011-P1-C090 The short electronic rights notice includes the lender restriction, last-two-failure statement, limited account information, federal permission restriction and unique URL when linked. Email can use the full-body alternative; otherwise full-plus-short delivery applies. R/I. Consent, retention, segregation and accessibility conditions remain applicable. S001 § 9(c)(4)(i)–(iii), comment 9(c)(4)-1. Consumer Financial Protection Bureau
R011-P1-C091 A later immediate payment or new authorization does not create an express waiver of the already-triggered rights notice. Rights notice and authorization request may share an envelope/email only with the specified segregation; open-end notice/statement combination has its own limited rule. R/I/INF. No general license to combine all notices with all contract or marketing content is inferred. S001 §§ 8(c)(3)(ii), 8(d), 9(a)(5), 9(b)(1)(iii), 9(b)(3)(i)(D), 9(c)(1). Consumer Financial Protection Bureau+2
R011-P1-C092 The official May 2019 model PDF’s entire parsed text was read. It supplies generic illustrative models A-3–A-8, with sample populated fields, rather than a wholly empty fillable audit form. Text read / visual U. No sample identities or amounts are reproduced here. No model pixels were inspectable; extraction alone does not verify layout or visual conformity. S015, indexes 0–6; model inspection table below. files.consumerfinance.gov

Notice comparison table

This table is a navigation aid to C072–C091, not a substitute for their conditions.

Notice Trigger Mail Electronic / in person Main content and model Exceptions / combination
First payment First scheduled transfer for the covered loan, subject to the interpretations No earlier than authorization; at least 6 business days before initiation No earlier than authorization; at least 3 business days before initiation Transfer terms, breakdown, warnings as applicable, contacts; A-3; electronic short A-6 Initial valid § 8(c) transfer and qualifying immediate transfer excluded; C077–C080
Unusual payment Any applicable amount, date, channel or retry condition 10–6 business days before initiation 7–3 business days before initiation Basic full content plus applicable unusual explanation; A-4; short A-7 Same § 9(b)(1)(iii) exceptions; limited open-end periodic-statement timing option
Consumer rights Two consecutive qualifying failures Send within 3 business days after information of second failure Same trigger/deadline; electronic consent and full/short rules apply Restriction, failure explanation, account/loan information, previous-attempt table, CFPB footer; A-5; short A-8 No express waiver merely because later payment occurs; may accompany segregated authorization request
All three When required Written, clear, retainable and segregated Valid method-specific consent; full notice machine readable; email full-body option or full-plus-short arrangement Substantially similar required content/order/format Short text/app retention exception does not excuse full-notice retention/accessibility

Official generic model text actually read

S015 was parsed in full; none of these rows represents successful pixel inspection. The model PDF’s sample names, account/check references, dates and amounts were not used as transaction evidence or reproduced.

Model PDF index Parsed text actually observed Visual/read limitation
A-3 1 Upcoming-withdrawal identification; date/amount/account/check fields; breakdown; applicable interest-only warning; fee/contact and stopping-payment language No inspected pixels; type size, spacing, borders and full visual ordering not verified
A-4 2 Unusual-withdrawal alert; explanation of changed amount; prior-attempt information; transfer fields; breakdown and contacts Same limitation; illustrative unusual condition is not the complete universe of required conditions
A-5 3 Two-failure explanation; permission restriction; future choices; table of due/attempt dates, amounts and fees; CFPB information Some extracted URL characters were garbled; mandatory CFPB URL was verified independently in § 9(c)(3)(viii)
A-6 4 Short upcoming-withdrawal subject/body structure; date, amount, limited account reference and access link No inspected pixels; full notice still required except applicable email full-body delivery
A-7 5 Short unusual-withdrawal subject/body structure and changed-amount explanation No inspected pixels; current operative § 9 controls all applicable content
A-8 6 Short rights-notice subject/body; two failures, permission restriction and access link No inspected pixels; parsed links are not proof of working electronic access

2.6 Records, status definitions, and calendar limits

Claim ID Precise claim, trigger, conditions and exceptions Status and limits Source and pinpoint
R011-P1-C093 The lender must retain evidence of compliance for 36 months after the covered loan ceases to be outstanding. The listed record categories are nonexhaustive. R/I. The period does not simply run from origination or the first failed transfer. No actual destruction date calculated. S001 § 12(b), comment 12(b)-1. Consumer Financial Protection Bureau
R011-P1-C094 “Outstanding” generally continues while legally obligated, including delinquency/workout, but ends at the earliest full payment, release, discharge, or 180 days after the last payment; if no payment, 180 days after consummation. The interpretation says it cannot become outstanding again after those terminating events. Sale/servicing transfer does not itself change the status. R/I. This rule-specific status definition is not debt cancellation or an automatic reset of the § 8 prohibition. S001 § 2(a)(17), comments 2(a)(17)-1–2. Consumer Financial Protection Bureau
R011-P1-C095 Required image-reproducible records include each originated covered-loan agreement, applicable leveraged-payment mechanism, § 8(c) authorization, and underlying one-time authorization/check for § 8(d). Required oral-authorization recordings must also be retained. R/I. Electronic documents may be kept electronically or as printouts as specified. Notice/consent evidence falls under the general nonexhaustive compliance-evidence duty; an invented mandatory notice-image format is not asserted. S001 §§ 12(b)(1), (4), 8(c)(3)(iii)(B), comments 12(b)(4)-1. Consumer Financial Protection Bureau+1
R011-P1-C096 Electronic tabular records must include payment receipt/attempt dates, amounts due, attempted and received/transferred, payment channel, and—when the prohibition applies—whether qualifying (c)/(d) authorization was obtained. R/I. Image PDFs and word-processing files are not the required tabular format. Missing rows may prevent reconstruction; they do not establish debt invalidity. S001 § 12(b)(5)(i)–(ii), comment 12(b)(5)-1. Consumer Financial Protection Bureau
R011-P1-C097 A covered-loan lender must develop and follow written compliance procedures appropriate to lender/affiliate size, complexity and lending activities, including detailed guidance for §§ 8–9. R/I. Incomplete evidence can leave compliance unresolved; an absence of evidence is not a finding that no rule applies. S001 § 12(a), comment 12(a)-1. Consumer Financial Protection Bureau
R011-P1-C098 The periods above are reported in the units actually used—business days, days, months, calendar years or tax years. No individualized calendar calculation was performed. U for actual calendars. A comprehensive Part 1041 business-day/calendar definition was not established in the read material; Reg E’s separate definition was not silently imported. Holidays, receipt facts, event order and applicable calendars remain held. S001 §§ 8–9, 12 and their timing comments; S004–S005 for their separate periods.

3. Blank generic document-audit worksheet

This is an unpopulated research worksheet, not a request to obtain records. It contains no person, provider, lender, borrower, account, property, transaction, license or case identifier field. Every observation/result cell is intentionally blank.

Audit item Generic issue to test Authority / claim reference Observation, support and unresolved result
Applicable legal version Applicable event period; regulation version; final-rule changes; relevant published judicial posture C001–C013
Consumer definition Whether the defined individual/representative relationship is present C014
Lender regularity Household-purpose lending and relevant numerical test C015
Account definition Reg E account status and applicable exclusions C016
Credit structure Credit; open-end/closed-end; single/multiple advance structure C017
Consummation Applicable-law contractual obligation trigger C018
Service/agency relationships Material service, agency, and separate affiliate questions C019, C041, C051
Primary purpose Personal/family/household purpose C020
Short-term predicate Required repayment within the statutory-regulatory period; sweep right C021
Balloon predicate Required payment structure and excluded default charges C022
Longer-term cost predicate Incorporated cost measure and measurement point C023–C024
Leveraged mechanism Pull right, timing, contractual election, immediate-payment distinction C025
Purchase-money exclusion Sole initial-purchase purpose and security in purchased good C026
Real-property/dwelling exclusion Security type and perfection/recording within term C027
Credit-card exclusion Actual defined credit-card account C028
Education exclusion Title IV or private-education definition and exceptions C029
Pawn exclusion Sole possession/use throughout term; sole recourse C030
Overdraft exclusion Defined service or line C031
Wage-advance exclusion Employer/partner, accrued wages, preadvance warranties C032
No-cost-advance exclusion No required charges and complete preadvance warranties C033
Alternative-loan exemption Terms, permitted charges, borrowing history, recurring-income procedures C034–C037
Accommodation exemption Affiliate counts, receipts, tax-year predicates, excluded loans C038–C039
Transfer classification Lender/agent initiation, purpose, channel, due/purportedly due amount C041–C043
Account-holding exclusion Contractual no-fee/no-closure conditions throughout term C044
Return reason NSF versus other reason; special account-holding treatment C047–C048
Sequence First failure, immediately preceding transfer, same-day/channel/loan relationships C049–C055
Knowledge trigger Lender/agent information receipt or applicable internal initiation C051, C088
New authorization request Rights notice provided; terms; permitted request channel; segregation C056–C061
New authorization agreement Rights notice received/deemed received; signature; date/amount/channel C057, C062–C063
Memorialization/expiration Retainable copy timing; recorded call; supersession or two new failures C064–C065
Immediate-payment request Fresh one-time basis, one-business-day initiation, one-attempt limitation C066–C067
Separate electronic-payment law Underlying Reg E authorization, stopping/revocation and variable-amount predicates C068–C070
First/unusual notice Trigger, exception, mailing/sending window, full required content C077–C087
Consumer-rights notice Trigger, sending period, failure table and prescribed statements C088–C091
Electronic delivery Each method’s consent, email option, later loss of consent C073–C074
Format/accessibility Retainability, segregation, machine readability, full/short combination C072, C075–C076, C086–C092
Records Agreement/authorization images, recordings, electronic tabular history C093–C096
Retention trigger When rule-specific outstanding status ended; no inferred debt discharge C093–C094
Procedures/evasion Written controls; substantive conduct; no inferred intent C071, C097
Unresolved conclusion Exact missing fact or authority; no acceptance or individualized decision C098 and parent holds

4. Qualitative hypothetical failure branches

These are stipulated generic hypotheticals. They are not descriptions of real events and contain no invented event dates, fee amounts or party/account identifiers. “Evidence needed” names a category relevant to a possible audit; it is not a records request or authorization to search for actual records.

Example ID Stipulated qualitative facts Part 1041-specific result versus unknown Evidence category needed Adverse misclassification to avoid / claim links
R011-P1-E001 A household-purpose loan is neither short-term nor balloon; its properly determined cost does not exceed the residual branch’s threshold. The residual longer-term branch fails even if a pull mechanism exists. Other law remains unknown. Term/payment structure and properly determined cost category Treating every installment or title-labeled arrangement as covered. C020–C025
R011-P1-E002 Credit solely finances an initial purchase, secured by the purchased good, with only qualifying purchase-related costs. The purchase-money exclusion can apply despite otherwise high cost or a pull mechanism. A refinance would require a different analysis. Purpose and security terms Treating collateral or high cost alone as defeating the exclusion. C026
R011-P1-E003 An arrangement is called pawn, but the consumer retains use of the collateral during the term. The sole-possession/use condition for the pawn exclusion fails. That does not by itself prove the remaining coverage predicates. Possession/use and recourse terms Concluding either “all pawn excluded” or “failed pawn exclusion means automatically covered.” C020, C030
R011-P1-E004 The first relevant transfer fails for NSF; the consumer then pays cash; the next relevant transfer also fails for NSF. Cash does not reset the transfer count; the next qualifying failure can be the second consecutive failure. Transfer sequence, cash-versus-transfer classification, return reasons Treating every payment received as a successful payment transfer. C049–C052
R011-P1-E005 One transfer fails for NSF; the next is returned solely for an incorrectly entered account number. The second return is not itself a qualifying NSF failure, so these two events do not constitute the required pair. Treatment of a later longer mixed sequence is not assumed. Actual return reasons and complete order Equating all returns with NSF, or calling every non-NSF return successful. C047, C055
R011-P1-E006 An ACH collection on one covered loan fails for NSF; the next transfer, by debit-card channel on another covered loan with the same lender and from the same account, also fails for NSF. Different loan/channel does not prevent the second consecutive failure or the resulting same-account restriction across the lender’s covered loans. Same-account/same-lender relationship, channel and return sequence Counting separately by installment, loan label or channel. C046, C050–C051
R011-P1-E007 Two portions of a collection are initiated together and both fail for NSF, with no prior relevant transfer. Simultaneous/same-day transfers can establish first and second failures. Separate evasion questions depend on purpose and circumstances. Initiation order/batch facts and return information Assuming simultaneity prevents counting, or inferring evasion solely from splitting. C050, C071
R011-P1-E008 Two qualifying failures have occurred from one account; a later proposed transfer concerns another account. The identified same-account bar does not automatically prohibit that other-account transfer. Underlying authorization, separate counts and evasion remain unknown. Account relationship without exposing identifiers; separate authority and sequence Treating the exception from this count as affirmative permission to debit any account. C046, C053, C056, C071
R011-P1-E009 The lender holds the account and the required no-fee/no-closure protections were contractual at loan inception and remain throughout the term. A transfer satisfying both conditions is excluded. Merely waiving a fee on one occasion would not establish that result. Contract duration and both protection clauses Turning a single fee waiver or “no NSF fee” marketing statement into the full exclusion. C044, C048
R011-P1-E010 After the bar, the lender relies on the original contract, or obtains a new agreement before mailed-rights-notice receipt/deemed receipt and without an affirmative response to that notice. Original authority does not satisfy § 8(c); the stipulated premature new agreement fails its receipt-timing condition. Original/new authorization text and notice provision/receipt relationship Treating ordinary recurring authority or notice mailing alone as sufficient new authorization. C056, C060–C063
R011-P1-E011 A properly timed § 8(c) authorization specifies date, amount and channel, but the lender attempts more than the authorized amount. The transfer does not qualify under the amount condition. Equal/smaller amounts can satisfy that one condition, subject to all others. Authorized terms and proposed transfer characteristics Treating authorization as unlimited or assuming every smaller transfer is fully compliant. C057–C059
R011-P1-E012 After two failures, the consumer affirmatively contacts the lender about repayment before the rights notice is provided, supplies a qualifying one-time basis, and the transfer is initiated within one business day. The earlier-contact branch can support one immediate attempt. The rights notice remains due; success does not reset the barred count; retry requires a fresh basis. Initiating-contact category, one-time authority, control-release timing Requiring § 8(c) for every immediate request, or treating one request as recurring permission. C052, C066–C067, C091
R011-P1-E013 A first scheduled covered-loan transfer has no exception, and its mailed notice is sent fewer than six business days before initiation. On those stipulated facts the first-notice timing condition is not met. Actual calendar application is not determined here. Mailing/initiation relationship and applicable business-day calendar Counting from receipt, or importing an electronic three-business-day window into mail. C077, C079–C080, C098
R011-P1-E014 A later transfer is smaller than scheduled, occurs off schedule, changes channel, or retries a return for a non-NSF reason. Each applicable unusual condition must be assessed and disclosed unless a payment-notice exception applies. A retry notice can be required even though the prior return did not count toward the two-failure bar. Schedule, previous channel and return-purpose categories Equating unusual notices only with larger payments or NSF retries. C047, C078–C086
R011-P1-E015 Electronic notices are sent by text based on a bundled consent that offers no separate email option and no affirmative choice of text. The stipulated consent process fails the described § 9(a)(4) conditions. Consent presentation and selections Treating general electronic-contract consent or possession of a mobile number as sufficient. C073
R011-P1-E016 A timely electronic payment notice was provided; afterward the lender receives a loss-of-access notification for that method. The commentary allows the already-disclosed payment in the stated circumstances; future required unusual notices need an available alternative method. Underlying payment authorization remains a separate issue. Sequence of notice provision and access-loss information Treating later notice-consent loss as either irrelevant forever or automatic cancellation of every previously disclosed payment. C074
R011-P1-E017 A required full electronic notice is supplied only as an inaccessible image, or the lender sends only a short message without the required full notice. On those stipulations the machine-readability or full-plus-short requirement is not met. This is not a finding about the official PDF’s unseen pixels. Functional text/accessibility and full-notice availability Equating “PDF” with accessible/retainable, or treating a short notice as the complete notice. C072, C075, C086–C092
R011-P1-E018 Payment histories exist only as image PDFs and the authorization/return sequence cannot be reconstructed. Image files do not satisfy the electronic tabular-record requirement; missing evidence leaves other compliance questions unresolved. Debt cancellation does not follow. Tabular fields, reproducible authorizations and sequence evidence Turning incomplete records into proof that the debt is void—or into proof that the lender complied. C093–C097
R011-P1-E019 A lender calls an existing barred loan a new loan after a rollover/refinance. The commentary’s bona fide subsequent-loan distinction cannot be assumed from that label; refinances/rollovers of the existing covered loan do not supply that distinction. Substance of the loan relationship and chronology Using relabeling to erase the original same-account prohibition. C053, C071
R011-P1-E020 An analysis treats the March 2025 nonprioritization announcement as repeal, or the reversed 2022 vacatur as the current operative disposition. Both classifications are unsupported by the reviewed authorities. Exact later applicability still remains subject to C011’s currentness gap. Applicable final-rule/legislation text and published later opinions, if any Conflating policy, proposed change, historical vacatur and current regulation. C003–C013

5. Granular COVERAGE table

The next steps below are limited to published generic primary authorities or generic model inspection. None authorizes an actual records search, request, contact, docket query, identifier entry or individualized determination.

Assigned subquestion / major branch Coverage result Claim/example links Exact missing authority or facts Next bounded permissible investigation
Consumer definition Answered generically C014 Actual individual/representative relationship No public-law search can establish held personal facts
Lender definition and regularity Answered generically C015 Actual lending counts, periods and organizational relationships Generic published interpretation only if a new definitional issue arises
Account definition Partial: necessary definition read C016 Actual deposit/prepaid/trust features Bounded generic Reg E prepaid-definition research if needed; no account query
Credit/open-/closed-end structure Answered generically C017 Actual plan and advance structure Generic official interpretation of a disputed structural feature
Consummation Answered federal definition; application unresolved C018 Governing law and contractual obligation event Parent-held contract/state-law investigation only if separately assigned
Lender/service provider/agent distinctions Answered generically C019, C041, C051 Actual agency/material-service/control facts Published generic interpretations; no entity search
Household primary purpose Answered generically C020 Actual purpose and mixed-use facts Generic primary-purpose interpretation only
Short-term predicate Answered generically C021 Required schedule, sweep right, applicable-law breach condition Published interpretation of ambiguous schedules; actual facts held
Balloon predicate Answered generically C022 Required payments and permissible exclusions No actual amortization or contract calculation in this component
Longer-term cost-plus-mechanism predicate Partial by scope C023–C025, E001 Complete APR/finance-charge inputs and actual pull right Full APR/fee work remains parent-held; generic mechanism questions may be bounded
Coverage arising after origination Answered generically C024–C025, C077 Actual cycle-end cost and mechanism-acquisition chronology Generic primary interpretation only
Purchase-money exclusion Answered generically C026, E002 Sole initial-purchase purpose, security, refinance status Actual classification held
Real-property/dwelling exclusion Answered generically C027 Use as dwelling and perfection/recording during term Property and recording queries excluded
Credit-card exclusion Answered generically C028 Defined credit-card-account features No account/product query
Education-credit exclusion Partial beyond necessary cross-definition C029 Actual Title IV/private-education classification; underlying HEA institutional/program facts Generic HEA cross-definition research if separately needed
Pawn exclusion Answered generically C030, E003 Possession/use throughout term and recourse Collateral/forfeiture law remains held
Overdraft exclusion Answered only for Part 1041 scope C031 Actual service/line classification No R010 incorporation; broader overdraft law remains held
Wage-advance exclusion Answered federal predicates; state element held C032 Employer/partner facts, accrued wages under state law, contract warranties Generic state-law component only if separately assigned
No-cost-advance exclusion Answered generically C033 Required charges and complete preadvance warranties Actual contract facts held
Alternative-loan term conditions Answered generically C034 Actual amounts, schedule, charges, amortization No actual loan calculation
Alternative borrowing-history condition Answered generically C035 Own-record history and outstanding-status periods No consumer-record request/search
Alternative recurring-income condition Answered generically C036 Actual policies and compliance Full underwriting remains held
PALs I safe harbor Partial C037 Current Board ceiling and actual compliance with every NCUA condition Current official NCUA Board/Letter rate authority; no credit-union lookup
Accommodation exemption Answered generic formula; actual result unresolved C038–C039 Affiliate counts, receipts, tax years, forecasts No entity/financial-record search
Tribal/product label and actual classification Unresolved by express hold C040 Sovereign authority, governing law, actual product terms Separate parent component if authorized
Payment-transfer purpose and methods Answered generically C041–C043 Actual initiation/purpose/instrument facts Published generic instrument authority if necessary
Account-holding no-fee/no-closure exclusion Answered generically C044, E009 Contract terms effective from inception through duration Actual agreements held
Identified unfair/abusive practice Answered narrowly C045 Actual compliance and any independent legal theory No individual liability/remedy investigation
NSF versus other return reasons Answered generically C047–C048, E005 Actual reason, available funds, internal transfer facts No return-record query
First failure Answered generically C049, E004 Complete prior transfer sequence Actual sequence held
Second failure; simultaneous transfers Answered generically C050, E007 Exact initiation/return order Actual event facts held
Different channels and loans Answered generically C046, C050, E006 Same-account/same-lender relationships No identifier comparison or entry
Agent knowledge and trigger date Answered generically C051, C088 Lender/processor information receipt No actual processor-record request
Success/cash/immediate-payment counting Answered generically C052, E004, E012 Payment classification and valid exception predicates Actual events held
Other account/new loan/refinance Answered distinctions; application held C053, E008, E019 Separate account, bona fide new-loan substance, timing Refinancing and contract work otherwise parent-held
Atypical mixed return sequence Unresolved beyond express branches C055, E005 Further official interpretation resolving unsuccessful non-NSF intervening events Targeted published primary interpretation only
Debt discharge/fees/license implications Excluded conclusions identified C054 Independent law and actual facts Parent-held subjects; no implication from two failures
New authorization versus old contract Answered generically C056, E010 Actual new agreement and underlying authority No authorization-document request
Specific date/amount/channel and fee-only branch Answered generically C057–C059, E011 Actual terms, amount, purpose and fee legality Actual data and broader fee law held
Request timing and channels Answered generically C060–C061 Notice provision, consumer-initiated response, email consent Actual communications held
Receipt timing/signature/oral recording Answered generically C062–C063, E010 Receipt/deemed-receipt facts and signing/recording No actual communications/recording retrieval
Memorialization and expiry Answered generically C064–C065 Actual copy transmission and later authorization/failures Actual evidence held
Immediate-payment branch Answered generically C066–C067, E012 Fresh one-time request, contact timing, release from control Actual event/calendar facts held
Separate Reg E limits Partial, deliberately bounded C068–C070 Actual recurring authority, stop notice, varying amounts; full Reg E questions Additional primary clauses only if necessary; no R010 reuse
Anti-evasion Answered generic standard C071, E007, E019 Actual purpose/substance No intent or liability finding
First-payment notice Answered generically C077, C079–C080, C083–C084, E013 Covered-status date, schedule, notice and sending facts Actual documents held
Unusual-payment notice Answered generically C078, C081–C086, E014 Amount/date/channel/retry conditions Actual documents held
Consumer-rights notice Answered generically C088–C091 Failure-information receipt and complete notice content Actual documents held
Electronic consent and loss Answered generically C073–C074, E015–E016 Method selections, email option, revocation/access-loss facts Actual consent records held
Notice combination/segregation Answered for express branches C061, C075, C082, C091 Actual layout and content placement Generic blank-layout inspection permissible; no universal combination rule inferred
Official model text Answered as parsed text C092; model table No missing parsed model body No need to repeat extraction
Official model pixels Unresolved retrieval limitation C092, E017 Inspectable images for PDF indexes 1–6 Retry public generic PDF image rendering through permitted public browsing only
Record retention and outstanding status Answered generically C093–C096 Last payment/release/discharge dates, retained formats No actual calendar or record review
Incomplete records/compliance procedures Answered generic consequences; actual compliance unresolved C097, E018 Complete evidence and written procedures No actual audit acceptance
Effective/compliance dates and underwriting revocation Answered historical published text C003–C005 Individual event applicability No individualized date determination
Court stays/vacatur/later history Partial C006–C009 Complete published stay/mandate chronology and later published developments Published opinions only; no docket or case-record query
Nonprioritization versus repeal Answered distinction C010, E020 Any later superseding policy/final rule Official generic publication check
Later amendment/repeal/disapproval/currentness Unresolved beyond checked bounds C001, C011 October 23–27 regulatory lag, October 15–27 statutory lag, later published authority Bounded official final-rule/session-law/published-opinion check
Withdrawn Guidance register Answered for materials used C012 No advisory/circular/bulletin relied upon Recheck only if one becomes necessary
Business-day/calendar application Unresolved actual calendar C098 Applicable calendar and real triggering events Generic published calendar interpretation; no individual deadline
Other A011 dimensions Excluded by express parent holds Section 8 below All listed parent issues Separate focused assignment required; no closure inferred

6. Read and failure log

Log item What was actually done/read Result and precise limitation
Core operative rule Read complete necessary §§ 1041.2, .3, .7, .8, .9, .12–.15 and relevant official interpretations through current agency text; used eCFR for § 1, currency and comment 7-1 Operative body reading, not reliance on search snippets or navigation headings
Historical final rules Read dates and relevant complete amendatory instructions in the 2019 and 2020 official final rules No claim to have read all explanatory preamble pages
2017 Federal Register HTML failure Attempted https://www.federalregister.gov/documents/2017/11/17/2017-21808/payday-vehicle-title-and-certain-high-cost-installment-loans Retrieval exceeded the tool’s document-size limit; recovered relevant body through S012 GPO HTML
2017 PDF failure Attempted https://www.govinfo.gov/content/pkg/FR-2017-11-17/pdf/2017-21808.pdf PDF exceeded the retrieval size limit; no PDF text/pixels claimed from that failed retrieval
Initial House § 5481 route Attempted https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title12-section5481&num=0&edition=prelim Failed route; recovered the dated House compilation in S002 and read the necessary body
FLSA House route Attempted https://uscode.house.gov/us/usc/119-124/t29/s203/ Not accessible; § 203(d) recovered from GPO S011; fallback edition remains unverified
Annual CFR Attempted S024; read selected 2025 annual-CFR text in S016 2026 annual-edition body not verified. Failure is not evidence that no edition or rule exists
Generic models Read all extracted text in S015, including A-3–A-8 Parsed text is not pixel inspection; garbled extracted URL characters were not reconstructed into purported model text
Model screenshots Attempted PDF indexes 1–6 Responses contained placeholders without usable image content; no typography, visual arrangement, colors or complete form pixels were inspected
Reg E/Reg Z/NCUA cross-references Read the bounded clauses recorded in S004–S006 No claim of complete Reg E, Reg Z, underwriting, usury, APR, or current NCUA rate review
FTC numbering Compared current § 310.2 text with the actual 2024 final amendatory instruction Confirmed redesignation; preserved Part 1041’s printed citation and flagged the discrepancy
Published opinions Read actual majority/disposition passages in S017–S018 and the complete S019 remand opinion No reliance on headnotes alone; no full-opinion claim beyond recorded bounds; no docket or case-record query
Later official status search Searched official generic publications for later rule, repeal/disapproval and published judicial developments Did not establish a superseding authority; did not convert that search result into an exhaustive absence claim
Withdrawn guidance Read the complete displayed register and relevant withdrawal publication No withdrawn or unreviewed advisory, circular, bulletin or R010 finding used as substantive foundation
Remaining substantive gaps Identified actual-calendar issues, current Board ceiling, atypical mixed-return sequence, later-status chronology and model pixels Each is preserved as a specific unresolved item, not treated as “no rule”

7. Question → claim/source crosswalk

User assignment Claims answering it Principal sources Worksheet/examples
1. Necessary coverage, definitions, exclusions and limited exemptions; separate underwriting C003–C005, C014–C040 S001–S006, S011–S014 Coverage/exclusion worksheet rows; E001–E003, E009
2. Complete two-failure prohibition, sequence, channels/accounts/loans, attribution and exclusions C041–C055, C071 S001, S004, S007–S009 Transfer/sequence worksheet rows; E004–E009, E019
3. Further transfers, new authorization, immediate requests, timing/form/retention/revocation and necessary overlays C056–C071, C095 S001, S004, S010 Authorization/immediate-payment worksheet rows; E010–E012
4. First/unusual/rights notices, electronic conditions, models, records and qualitative branches C072–C098 S001, S004–S005, S015–S016 Notice/model tables; complete blank worksheet; E013–E018 and all 20 branches
5. Effective/compliance dates, enforcement discretion, stays/vacatur, later changes and withdrawn guidance C001–C013 S001–S003, S009, S012–S014, S016–S024 E020; source register; read/failure log; currentness coverage rows

8. Self-check, unresolved limits, and preserved parent holds

Self-check — not independent review

I checked this report for the following internal distinctions:

  • All eight § 1041.3(d) exclusions are separately addressed.
  • The alternative- and accommodation-loan exemptions are kept separate from excluded credit categories and transfer-specific exclusions.
  • The 36% predicate is confined to the residual longer-term branch.
  • NSF failure counting is separated from unusual-notice treatment of other returned transfers.
  • Same-account counting is separated from different channels, different covered loans and agency attribution.
  • “Notice provided” for requesting authorization is separated from “notice received” for obtaining agreement.
  • The § 8(c) authorization is separated from underlying payment authority.
  • The immediate-payment exception is limited to a fresh qualifying one-time basis and does not reset the barred count.
  • Electronic notice consent is separated from payment authorization.
  • The official model text read is separated from the model pixels that could not be inspected.
  • Historical vacatur, subsequent reversal, agency prioritization and unresolved later currentness are separately labeled.
  • Retention periods and notice intervals are reported without invented event dates, amounts, calendar computations, eligibility conclusions or awards.

This is an internal self-check, not an independent legal review, operational approval, publication approval, or acceptance of this component or its parent.

Specific unresolved items

The unresolved issues are not merely a general disclaimer. They are:

  1. The complete published judicial stay/mandate chronology connecting the original compliance date to the agency-reported March 30, 2025 operative date.
  2. Any later amendment, repeal, congressional disapproval or published judicial development not established within the retrieved sources’ currency boundaries.
  3. Verification of the 2026 annual CFR edition after the failed retrieval.
  4. The currently applicable NCUA Board interest ceiling incorporated into the PALs I rate formula.
  5. The exact treatment of atypical longer sequences involving intervening unsuccessful non-NSF returns beyond the express counting branches read.
  6. Any actual business-day calendar, notice-receipt date, initiation date or retention endpoint.
  7. Visual inspection of the official model PDF pages.
  8. Every actual coverage, exclusion, exemption, authorization, transfer, return, notice, consent, contract and record fact.

Parent holds preserved

The following remain held in full, except for the narrow federal predicates expressly examined above:

All actual account, authorization, transfer, return, notice, electronic-consent, contract and classification facts; complete rate, fee, APR, usury and underwriting rules; state licensing and enforceability; tribal sovereign authority and choice of law; renewals and refinancing beyond the narrow counting distinction; repossessions; pawn forfeiture; collateral; settlement; collections; credit reporting; limitations; remedies; litigation; tax; insolvency; state, local, tribal, international and country law; and every other unaddressed A011 dimension.

No actual standing, liability, eligibility, creditworthiness, class membership, award, court filing, license validity or enforceability determination is made. No component, state, parent, operational or publication acceptance is supplied. No unseen model or interface provenance is claimed.

END R011 PASS-01

Every captured table

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

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

How to read the research →

Captured table 01

S001 view · Complete literal HTTPS URL · Exact reading bounds and use · 11 data rows

S001 viewComplete literal HTTPS URLExact reading bounds and use
eCFR Part 1041https://www.ecfr.gov/current/title-12/chapter-X/part-1041Currency and legal-edition statements; authority/source notes; § 1041.1; selected operative cross-checks; Supplement I comment 7-1. The entire consolidated eCFR page was not independently reread end to end.
Definitionshttps://www.consumerfinance.gov/rules-policy/regulations/1041/2/Complete § 1041.2(a)–(b), including reserved paragraphs and embedded interpretations.
Coveragehttps://www.consumerfinance.gov/rules-policy/regulations/1041/3/Complete § 1041.3(a)–(h), all eight exclusions, both conditional exemptions, and embedded interpretations.
Identified practicehttps://www.consumerfinance.gov/rules-policy/regulations/1041/7/Complete § 1041.7; comment 7-1 obtained from eCFR and the annual-CFR cross-check.
Payment attemptshttps://www.consumerfinance.gov/rules-policy/regulations/1041/8/Complete § 1041.8(a)–(e) and embedded interpretations, including definitions, counting, authorization, immediate-payment exception, and evasion.
Noticeshttps://www.consumerfinance.gov/rules-policy/regulations/1041/9/Complete § 1041.9(a)–(c) and embedded interpretations, including full and short notices, electronic consent, timing, exceptions, and segregation.
Compliance/recordshttps://www.consumerfinance.gov/rules-policy/regulations/1041/12/Complete § 1041.12(a)–(b)(5), reserved paragraphs, and interpretations.
Evasionhttps://www.consumerfinance.gov/rules-policy/regulations/1041/13/Complete § 1041.13 and interpretation.
Severabilityhttps://www.consumerfinance.gov/rules-policy/regulations/1041/14/Complete severability clause; not treated as proof of current judicial status.
Dateshttps://www.consumerfinance.gov/rules-policy/regulations/1041/15/Complete § 1041.15(a)–(c), including the still-printed historical registration and compliance dates.
Appendix Ahttps://www.consumerfinance.gov/rules-policy/regulations/1041/a/Complete model-form listing; A-1 and A-2 reserved; A-3 through A-8 cross-references. Actual publisher model text separately read in S015.
Source links captured in this table

Captured table 02

Source ID · Issuer/title and complete literal HTTPS URLs · Exact clauses, printed pages/PDF indexes, and actual read bounds · 23 data rows

Source IDIssuer/title and complete literal HTTPS URLsExact clauses, printed pages/PDF indexes, and actual read boundsVersion/effective predicate; reading status and limits
R011-P1-S002U.S. House Office of Law Revision Counsel, 12 USC 5481: https://uscode.house.gov/us/usc/119-124/t12/s5481/. GPO fallback: https://www.govinfo.gov/link/uscode/12/5481Definitions (1), (4), (19), and (26), including service-provider qualifications and exclusions. Fallback PDF: printed pp. 1939, 1942–1943; indexes 0, 3–4.U.S. federal statute. House page stated laws in effect through Public Law 119-124, October 15, 2026. That is a compilation boundary, not a full later-session-law audit. Fresh reads; fallback edition not independently established.
R011-P1-S003House, 12 USC 5531 and 5532: https://uscode.house.gov/us/usc/119-124/t12/s5531/ and https://uscode.house.gov/us/usc/119-124/t12/s5532/. GPO: https://www.govinfo.gov/link/uscode/12/5531 and https://www.govinfo.gov/link/uscode/12/5532§ 5531(a)–(e); § 5532(a)–(d). Authority, unfairness/abusiveness criteria, disclosure authority, optional models and associated protection. GPO printed pp. 1971–1973 across the two extracts, indexes 0–1 of each.U.S. federal statute; same House compilation boundary as S002. Fresh body reads. No individual cause-of-action, standing, or remedy conclusion.
R011-P1-S004CFPB, Regulation E: https://www.consumerfinance.gov/rules-policy/regulations/1005/2/; https://www.consumerfinance.gov/rules-policy/regulations/1005/3/; https://www.consumerfinance.gov/rules-policy/regulations/1005/10/; https://www.consumerfinance.gov/rules-policy/regulations/1005/17/§ 1005.2(b), relevant account comments, (i), (k); § 1005.3(a), complete (b)(1)–(3) and comments; § 1005.10(b)–(e)(1) and necessary comments; § 1005.17(a) and comment 17(a)-1 only.U.S. federal regulation/interpretations, current-labeled agency pages. Fresh reads of these bounds only. No complete Reg E, overdraft, error-resolution, or fee-liability review. HTML; PDF indexes N/A.
R011-P1-S005CFPB, Regulation Z: https://www.consumerfinance.gov/rules-policy/regulations/1026/2/; https://www.consumerfinance.gov/rules-policy/regulations/1026/3/; https://www.consumerfinance.gov/rules-policy/regulations/1026/5/; https://www.consumerfinance.gov/rules-policy/regulations/1026/7/; https://www.consumerfinance.gov/rules-policy/regulations/1026/46/§ 1026.2(a)(14), (15)(ii), (17)(v), (20), and relevant comments; § 1026.3(a) and selected primary-purpose comments; § 1026.5(b)(2)(ii) and timing comments; § 1026.7(b) introductory/selected text only; complete § 1026.46(b)(5) and its comments 1–4.U.S. federal regulation/interpretations. Fresh bounded reads. § 1026.7 was not fully reviewed. §§ 1026.4, .14 and .22 were identified through Part 1041’s incorporation but a complete finance-charge/APR calculation review remains held.
R011-P1-S006NCUA/eCFR, 12 CFR 701.21: https://www.ecfr.gov/current/title-12/chapter-VII/subchapter-A/part-701/section-701.21Complete (c)(7)(i)–(iii); selected (iv) comparison. PALs I mandatory conditions distinguished from associated best-practice guidance.U.S. federal credit-union regulation. Fresh text read. The currently applicable Board-set general interest ceiling was not separately verified; no fixed current PAL rate is asserted.
R011-P1-S007Federal Reserve/eCFR, Regulation CC, 12 CFR 229.2: https://www.ecfr.gov/current/title-12/chapter-II/subchapter-A/part-229/subpart-A/section-229.2Complete paragraph (fff), remotely created check definition.U.S. federal regulation. Fresh limited body read; no actual instrument classification.
R011-P1-S008FTC/eCFR, 16 CFR 310.2: https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.2Current paragraphs (cc) and (dd), particularly the complete remotely created payment-order definition at (dd).U.S. federal regulation. Fresh body read. Establishes the numbering mismatch with the still-printed Part 1041 reference to (cc).
R011-P1-S009FTC, Telemarketing Sales Rule, 89 FR 26760: https://www.federalregister.gov/documents/2024/04/16/2024-07180/telemarketing-sales-rule; official PDF https://www.govinfo.gov/content/pkg/FR-2024-04-16/pdf/2024-07180.pdfPrinted p. 26760/index 0, dates/summary; p. 26783/index 23, complete amendatory instruction 2 redesignating former (aa)–(hh) as (bb)–(ii). Not all 27 PDF pages read.Published April 16, 2024; relevant amendment effective May 16, 2024. Fresh final-rule text read.
R011-P1-S010Congress/GPO, E-SIGN, 15 USC 7001 and 7006: https://www.govinfo.gov/link/uscode/15/7001; https://www.govinfo.gov/link/uscode/15/7006§ 7001(a)–(b), printed p. 2304/index 0; selected subsequent text only. § 7006(4), (5), (9), printed p. 2309/index 0.U.S. federal statute. Fresh bounded reads; extract edition not independently established. No claim of a complete § 7001(c)–(d) audit. Part 1041’s own delivery/signature distinctions control the discussion below.
R011-P1-S011Congress/GPO, FLSA, 29 USC 203(d): https://www.govinfo.gov/link/uscode/29/203Complete employer definition (d), printed p. 63/index 0.U.S. federal statute. Fresh fallback read; extract edition not independently established. No actual employment classification.
R011-P1-S012CFPB, 2017 final Payday, Vehicle Title, and Certain High-Cost Installment Loans Rule, 82 FR 54472–54921: https://www.govinfo.gov/content/pkg/FR-2017-11-17/html/2017-21808.htmComplete front summary/dates and selected relevant preamble passages. Codified regulatory text begins at printed p. 54871; current operative clauses were read through S001. The entire 450-page publication was not read.Published November 17, 2017; effective January 16, 2018; original general compliance August 19, 2019. Fresh HTML body read after size failures. PDF indexes unavailable because PDF retrieval failed. Historical original rule.
R011-P1-S013CFPB, 2019 delay/correcting amendments, 84 FR 27907: https://www.federalregister.gov/documents/2019/06/17/2019-12307/payday-vehicle-title-and-certain-high-cost-installment-loans-delay-of-compliance-date-correcting; official PDF https://www.govinfo.gov/content/pkg/FR-2019-06-17/pdf/2019-12307.pdfPrinted p. 27907/index 0, dates, summary and footnote 5; selected pp. 27922–27923/indexes 15–16; complete amendatory instructions 2–8 at p. 27929/index 22. Not the full 24-page preamble.Published June 17, 2019; effective August 16, 2019. Historical underwriting delay to November 19, 2020 and technical corrections. Fresh text read.
R011-P1-S014CFPB, 2020 revocation final rule, 85 FR 44382: https://www.federalregister.gov/documents/2020/07/22/2020-14935/payday-vehicle-title-and-certain-high-cost-installment-loans; official PDF https://www.govinfo.gov/content/pkg/FR-2020-07-22/pdf/2020-14935.pdfPrinted p. 44382/index 0, dates/summary; complete amendatory instructions 1–10, pp. 44444–44445/indexes 62–63. Revised operative comments also read through S001. Not the entire 65-page preamble.Published July 22, 2020; effective October 20, 2020. Revoked specified underwriting provisions; did not repeal the payment regime. Fresh text read.
R011-P1-S015CFPB, Payday Lending Rule—Model Forms and Clauses, May 2019: https://files.consumerfinance.gov/f/documents/cfpb_payday_lending-models-disclosures-and-clauses.pdfEntire extracted text of seven PDF pages: cover index 0; A-3 index 1; A-4 index 2; A-5 index 3; A-6 index 4; A-7 index 5; A-8 index 6. Printed numeric page labels were not established.Official generic models, dated May 2019. Fresh parsed-text read. Six screenshot attempts returned placeholders without inspectable image content. Pixels, typography and full visual layout not inspected.
R011-P1-S016GPO, 2025 annual CFR, Part 1041: https://www.govinfo.gov/content/pkg/CFR-2025-title12-vol9/pdf/CFR-2025-title12-vol9-part1041.pdfEdition/header at printed p. 1029/index 0; Supplement I comment 7-1 at p. 1054/index 25; selected cross-check passages. Not all 37 pages read.Official annual edition revised January 1, 2025. Fresh selected text read; historical edition, not proof of October 2026 completeness. Same regulatory body as S001.
R011-P1-S017Fifth Circuit, Community Financial Services Association of America, Ltd. v. CFPB, 51 F.4th 616 (2022): https://www.ca5.uscourts.gov/opinions/pub/21/21-50826-CV0.pdfPublished panel majority, October 19, 2022. Printed pp. 1–15/indexes 0–14 read through overlapping body opens; beginning of p. 16/index 15; selected pp. 37–39/indexes 36–38, including disposition. Relevant pinpoints: p. 6 procedural history; p. 9 n.1; pp. 12–16 payment-rule challenges; p. 39 disposition.U.S. federal appellate authority, Fifth Circuit. Historical funding holding/vacatur reversed in 2024. Not the entire opinion read; later history checked only to the extent S018–S019 establish. No docket query.
R011-P1-S018Supreme Court, CFPB v. Community Financial Services Association of America, Ltd., 601 U.S. 416 (2024): https://www.supremecourt.gov/opinions/23pdf/601us2r21_7648.pdfActual Thomas majority passages, not merely syllabus: printed pp. 420–421/indexes 5–6; pp. 423–425/indexes 8–10; p. 435/index 20; p. 441/index 26, including reversal/remand. Selected other passages encountered; not all 58 PDF pages or the whole majority read.Decided May 16, 2024. Official preliminary print, subject to revision. U.S. Supreme Court. Narrow Appropriations Clause holding; no comprehensive Part 1041 or later-history certificate.
R011-P1-S019Fifth Circuit, published remand opinion, 104 F.4th 930 (2024): https://www.ca5.uscourts.gov/opinions/pub/21/21-50826-CV1.pdfEntire two-page per curiam opinion: printed pp. 1–2/indexes 0–1.Published June 19, 2024. Reinstated the judgment on alternative arguments and rendered judgment consistent with the Supreme Court’s funding holding. No later docket/mandate-status investigation.
R011-P1-S020CFPB, “CFPB Offers Regulatory Relief for Small Loan Providers”: https://www.consumerfinance.gov/about-us/newsroom/cfpb-offers-regulatory-relief-for-small-loan-providers/Entire operative announcement paragraphs.Dated March 28, 2025; stated payment provisions become operative March 30, 2025. Agency enforcement/supervision prioritization, not a legislative rule repealing Part 1041. Fresh body read.
R011-P1-S021CFPB, Payday Lending Rule compliance resources: https://www.consumerfinance.gov/compliance/compliance-resources/consumer-lending-resources/payday-lending-rule/Main resource-page body, including the continued link to S020.Page displayed last modification June 1, 2026. Fresh status/resource read. Resource-page currency is not a complete legal-currentness audit.
R011-P1-S022CFPB, Withdrawn Guidance register: https://www.consumerfinance.gov/compliance/guidance/withdrawn-guidance/Entire displayed withdrawal list read, including relevant earned-wage-access, education-credit and overdraft entries.Displayed last modification July 22, 2026. Fresh register read. No circular, bulletin or advisory was used as a substantive foundation here. Absence from the list is not an exhaustive status certificate.
R011-P1-S023CFPB, Interpretive Rules, Policy Statements, and Advisory Opinions; Withdrawal, 90 FR 20084: https://www.federalregister.gov/documents/2025/05/12/2025-08286/interpretive-rules-policy-statements-and-advisory-opinions-withdrawal; official PDF https://www.govinfo.gov/content/pkg/FR-2025-05-12/pdf/2025-08286.pdfPrinted p. 20084/index 0, summary/dates; p. 20085/index 1, operative withdrawal discussion; selected § II. Entire § III PDF list not independently read; S022 supplied the complete displayed register.Applicable May 12, 2025. Fresh bounded publication read. Guidance withdrawal is not statutory or regulatory repeal.
R011-P1-S024GPO, attempted 2026 annual CFR Part 1041: https://www.govinfo.gov/content/pkg/CFR-2026-title12-vol9/pdf/CFR-2026-title12-vol9-part1041.pdfBody retrieval failed. No pages or pixels read.Failure record only; no authority inferred from failure. The 2026 annual-edition verification remains unresolved.
Source links captured in this table

Captured table 03

Claim ID · Precise claim, trigger, conditions and exceptions · Status and limits · 13 data rows

Claim IDPrecise claim, trigger, conditions and exceptionsStatus and limitsSource and pinpoint
R011-P1-C001The retrieved eCFR displayed Title 12 current through October 23, 2026, while the actual access occurred October 27. Its title-wide “last amended” date does not establish when Part 1041 itself last changed.R/U. October 23–27 currency and any publication/compilation lag remain unresolved.S001, eCFR header and legal-edition statement. ecfr.gov
R011-P1-C002Part 1041 rests on Title X authority; §§ 5531 and 5532 distinguish unfair/abusive-practice rulemaking from disclosure and model-form authority. The regulation, its official interpretations, an enforcement announcement, and a court holding are different kinds of authority.S/R. No individual remedy or all-law safe harbor follows merely from this authority structure.S001 § 1041.1; S003 §§ 5531(a)–(e), 5532(a)–(d). uscode.house.gov +2
R011-P1-C003The 2017 final rule became effective January 16, 2018, with an original general compliance date of August 19, 2019. Current § 1041.15(c) still prints that compliance date for its listed payment-related provisions.H/R. Printed dates alone do not resolve subsequent judicial stays. The obsolete registration cross-reference in § 1041.15(b) is not an active registration instruction here.S012 dates; S001 § 1041.15(a)–(c). govinfo.gov +1
R011-P1-C004The 2019 final rule delayed specified underwriting-related provisions to November 19, 2020 and made corrections; it did not convert the payment provisions’ printed compliance date to that underwriting date.H. Effective August 16, 2019. The later 2020 revocation superseded the delayed underwriting regime.S013, 84 FR 27907 and 27929, amendatory instructions 2–8. govinfo.gov +1
R011-P1-C005Effective October 20, 2020, the CFPB removed/reserved the former mandatory-underwriting provisions, associated information-system provisions, specified definitions, record provisions and models A-1/A-2. It retained the payment provisions and revised the loan-agreement retention requirement.H/R. The surviving alternative-loan recurring-income documentation condition in § 1041.3(e)(3) was not erased.S014, 85 FR 44444–44445, instructions 1–10; S001 §§ 3(e)(3), 7–9, 12. govinfo.gov +2
R011-P1-C006Official published sources report a November 6, 2018 stay of the compliance date. The 2022 published opinion also describes litigation-stay developments. These are distinct procedural matters.H/U. The original stay orders and complete later stay/mandate chain were not read; no case-record or docket search was made. March 30, 2025 is reported from S020, not calculated from an assumed remaining-day count.S013, p. 27907 n.5; S017, printed p. 6. govinfo.gov +1
R011-P1-C007The Fifth Circuit’s 2022 majority rejected the reviewed statutory/APA payment-rule challenges, including arguments concerning debit/prepaid channels and different installments, but held the funding arrangement unconstitutional and vacated the rule. Its unfairness analysis did not separately decide abusiveness.H—funding holding and vacatur later reversed. The 2022 vacatur must not be described as the current disposition.S017, pp. 9 n.1, 12–16, 39; actual majority text. ca5.uscourts.gov +2
R011-P1-C008The Supreme Court’s May 16, 2024 majority held the CFPB’s statutory funding arrangement satisfied the Appropriations Clause and reversed and remanded.Published judicial holding. This was a funding holding, not a decision validating every payment-rule application, every lender, or every possible challenge.S018, 601 U.S. 420–425, 435, 441; PDF indexes 5–10, 20, 26. supremecourt.gov +2
R011-P1-C009On June 19, 2024, the Fifth Circuit reinstated its judgment affirming rejection of the alternative arguments and rendered judgment consistent with the Supreme Court’s constitutional funding holding.Published judicial disposition. Full later history beyond the reviewed publications remains held.S019, entire two-page opinion. ca5.uscourts.gov
R011-P1-C010The March 28, 2025 CFPB announcement said it would not prioritize enforcement or supervision actions concerning penalties or fines associated with the payment-withdrawal and payment-disclosure provisions once operative March 30, 2025; it also contemplated a future proposed narrowing.P. Nonprioritization is not repeal, vacatur, a stay, blanket immunity, or an adopted amendment. The contemplated proposal was not treated as operative law.S020, operative announcement paragraphs; S021 continued resource link. Consumer Financial Protection Bureau +1
R011-P1-C011Targeted official-source searches did not establish a later final repeal, congressional disapproval, amendment, or published decision displacing the reviewed payment text.U. A failure to establish a later change is not proof none exists. The annual-CFR failure, eCFR October 23 boundary, House October 15 compilation boundary, and incomplete later litigation history prevent an exhaustive October 27 applicability certificate.S001, S002–S003, S017–S024; search/read log below.
R011-P1-C012The CFPB Withdrawn Guidance register and May 2025 withdrawal publication were checked. No CFPB circular, bulletin, or advisory was relied on for the substantive rules in this report.P/H. Withdrawn guidance is distinct from the regulation, statute, or published judgment. Withdrawal does not repeal those authorities.S022 full displayed register; S023 operative withdrawal text. Consumer Financial Protection Bureau +1
R011-P1-C013Part 1041 still prints 16 CFR 310.2(cc) for remotely created payment orders. Current FTC text places that definition at (dd); the 2024 final rule explains the redesignation, effective May 16, 2024.R/H; INF as to effect. The printed Part 1041 reference is preserved here, not silently corrected. Its broad, nonexclusive payment-transfer definition remains relevant independently; an actual instrument’s legal classification is held.S001 §§ 8(a)(1)(i)(D), 9(b)(2)(ii)(B)(6), comment 3(c)-2; S008 (cc)–(dd); S009 amendatory instruction 2. Consumer Financial Protection Bureau +2
Source links captured in this table

Captured table 04

Claim ID · Precise claim, trigger, conditions and exceptions · Status and limits · 27 data rows

Claim IDPrecise claim, trigger, conditions and exceptionsStatus and limitsSource and pinpoint
R011-P1-C014“Consumer” incorporates 12 USC 5481(4): an individual, including an agent, trustee, or representative acting for an individual.S/R. No actual person or representative relationship classified.S001 § 2(a)(4), (b); S002 § 5481(4). uscode.house.gov +1
R011-P1-C015A lender is a person regularly extending credit primarily for personal, family or household purposes. Comment 2(a)(13)-1 imports the regularity test in Reg Z § 1026.2(a)(17)(v) and counts all such consumer loans, not only Part 1041 covered loans. The ordinary thresholds are more than 25 extensions, or more than 5 dwelling-secured extensions, in the preceding calendar year; if unmet, apply the current year. The separate high-cost-mortgage branch uses more than one qualifying extension, or one or more through a mortgage broker, in any 12 months.R/I. No lender-volume, mortgage, license, or organizational finding.S001 § 2(a)(13), comment 2(a)(13)-1; S005 § 1026.2(a)(17)(v). Consumer Financial Protection Bureau +1
R011-P1-C016“Account” incorporates Reg E § 1005.2(b), including consumer deposit/other asset accounts within that definition and qualifying prepaid accounts; a bona fide trust account is excluded by (b)(2).R/I. A card label alone does not establish a qualifying account. Detailed actual prepaid/account classification is held.S001 § 2(a)(1), (b); S004 § 1005.2(b) and comments. Consumer Financial Protection Bureau
R011-P1-C017“Credit” incorporates Reg Z’s right to defer payment of debt or incur debt and defer its payment. Closed-end credit is credit that is not Part 1041 open-end credit. Part 1041 adapts Reg Z’s open-end definition but does not require a right to impose a finance charge.R/I. Repeated-transaction and replenishment features still matter; labels do not decide structure.S001 §§ 2(a)(3), (11), (16), (b); S005 § 1026.2(a)(14), (20) and relevant comments. Consumer Financial Protection Bureau +1
R011-P1-C018Consummation occurs when the consumer becomes contractually obligated on a new loan or a modification increasing an existing loan’s amount. Applicable law determines that obligation; a preliminary financial commitment alone is insufficient.R/I. No contract formation or governing-law conclusion.S001 § 2(a)(5), comment 2(a)(5)-1. Consumer Financial Protection Bureau
R011-P1-C019“Affiliate” and “service provider” incorporate § 5481(1) and (26). Material assistance in offering/providing consumer financial products can qualify; the statute contains limitations for solely general business support and advertising, among others. Credit-access/service organizations can be service providers when the material-service test is met.S/R/I. Service-provider status and agency attribution require their own facts; affiliation does not automatically make every affiliate the same lender for the two-failure count.S001 §§ 2(a)(2), (18), comment 2(a)(18)-1; S002 § 5481(1), (26)(A)–(C). uscode.house.gov +1
R011-P1-C020Coverage requires a lender making household-purpose closed- or open-end credit that satisfies at least one § 3(b) predicate and is neither excluded under (d) nor conditionally exempt under (e) or (f).R/I. “Payday,” “title,” “pawn,” “installment,” “cash advance,” or “tribal” is not a substitute for the predicates.S001 § 3(a)–(b), comments 3(b)-1–2. Consumer Financial Protection Bureau
R011-P1-C021The short-term branch covers single-advance closed-end credit requiring substantially the entire loan within 45 days of consummation; other structures use substantially the entire advance within 45 days of that advance. “Substantially” is a facts-and-circumstances substantial-majority test. A qualifying deposit-sweep right can satisfy it even without an actual deposit. Voluntary early repayment alone does not.R/I. No invented percentage threshold. For ambiguous schedules, whether nonpayment within the period would breach the agreement under applicable law matters.S001 § 3(b)(1), comments 3(b)(1)-1–5. Consumer Financial Protection Bureau
R011-P1-C022For loans outside the short-term branch, the balloon branch includes a required substantially entire single payment more than 45 days after consummation/advance, or a required payment more than twice another payment. It also covers specified multi-advance structures whose minimums may not amortize the balance and whose final payment could exceed twice the other minimums. Scheduled principal and charges count; actual unanticipated late/default/over-limit charges and default acceleration are excluded from this comparison.R/I. This is not a calculation of any actual balloon or default balance.S001 § 3(b)(2)(i)–(ii), comments 3(b)(2)-1–4. Consumer Financial Protection Bureau +1
R011-P1-C023The residual longer-term branch requires both cost of credit exceeding 36% per annum and a leveraged payment mechanism. Closed-end cost is measured at consummation. Section 2(a)(6) incorporates Reg Z finance charges and the specified closed-/open-end calculation methods.R/I. The 36% predicate is not a usury cap and is not a prerequisite for the short-term or balloon branches. Complete APR/fee calculations remain held.S001 §§ 2(a)(6), 3(b)(3)(i)–(ii). Consumer Financial Protection Bureau +1
R011-P1-C024Open-end cost is tested at consummation and, if not then above 36%, at each billing-cycle end. A cycle with a finance charge and zero principal satisfies the cost condition. Once met, the cost condition remains met for the plan’s duration. A loan may become covered later when both cost and mechanism predicates coincide.R/I. Comment 3(b)(3)-3 illustrates compliance beginning with the next billing cycle after a cycle-end crossing; no actual cycle or date calculated.S001 § 3(b)(3)(i)(B), comments 3(b)(3)-1–3. Consumer Financial Protection Bureau
R011-P1-C025A leveraged payment mechanism is a right of the lender/service provider to pull money from the consumer’s account without further consumer action, on one occasion or repeatedly. It includes qualifying checks, EFT authority, remotely created instruments and internal setoff. A contractual right to elect future/default authorization can suffice. Consumer-controlled bank bill pay is a push; a qualifying single immediate payment request alone is excluded from this mechanism definition.R/I. The immediate-payment exclusion from the mechanism definition does not exempt an otherwise covered short-term/balloon loan.S001 § 3(c), comments 3(c)-1–4 and 3(b)(3)(ii)-1–2. Consumer Financial Protection Bureau
R011-P1-C026Purchase-money exclusion: credit solely and expressly financing the consumer’s initial purchase of a good, secured by that good, is excluded whether or not the security interest is perfected/recorded. Specified taxes and legally required licensing/registration costs can be included. A refinance of purchase credit does not qualify for this exclusion.R/I. Existing-collateral title lending is not automatically initial-purchase financing.S001 § 3(d)(1), comment 3(d)(1)-1. Consumer Financial Protection Bureau
R011-P1-C027Real-property/dwelling exclusion: credit secured by real property, or personal property used/expected to be used as a dwelling, is excluded only if the lender records or otherwise perfects the security interest within the loan term.R/I. Mere contractual security language without the specified perfection/recording condition is insufficient for this exclusion.S001 § 3(d)(2), comment 3(d)(2)-1. Consumer Financial Protection Bureau
R011-P1-C028Credit-card exclusion: a credit-card account under an open-end, not home-secured consumer credit plan as defined in Reg Z § 1026.2(a)(15)(ii) is excluded.R. Using a debit/prepaid card to repay another loan does not make that loan an excluded credit-card account.S001 § 3(d)(3); S005 § 1026.2(a)(15)(ii). Consumer Financial Protection Bureau +1
R011-P1-C029Education exclusion: qualifying HEA Title IV credit and “private education loans” under § 1026.46(b)(5) are excluded. The latter definition requires specified postsecondary educational purpose and excludes open-end and real-property/dwelling-secured credit; it also excludes certain institution-creditor arrangements, including terms of 90 days or less, or no-interest terms of one year or less.R. A student-purpose label alone is insufficient. Underlying HEA program and educational-institution facts remain held; the entire HEA was not reviewed.S001 § 3(d)(4); S005 § 1026.46(b)(5) and comments. Consumer Financial Protection Bureau +2
R011-P1-C030Pawn exclusion: the lender must have sole physical possession and use of the property throughout the loan term, and its sole recourse must be retaining that property if not redeemed. Consumer possession/use, even limited use, defeats that condition; personal deficiency liability of the consumer, cosigner or guarantor defeats sole recourse.R/I. Pawn/title labels alone do not establish exclusion. Forfeiture and collateral law remain held.S001 § 3(d)(5), comment 3(d)(5)-1. Consumer Financial Protection Bureau
R011-P1-C031Overdraft exclusion: overdraft services defined by Reg E § 1005.17(a), and overdraft lines excluded from that definition by § 1005.17(a)(1), are excluded.R/I. This exclusion was independently read. It does not incorporate any unreviewed R010 fee analysis or establish bank-fee immunity.S001 § 3(d)(6), comment 3(d)(6)-1; S004 § 1005.17(a). Consumer Financial Protection Bureau +1
R011-P1-C032Wage-advance exclusion: credit must be advanced by an FLSA employer or its business partner to employees, only against accrued earned cash wages. Before advancement, the contract must warrant, for the advancing entity and relevant partners: no charges other than program participation; no legal/contractual remedy for nonpayment; and no collection, debt placement/sale, or consumer-reporting activity if unpaid as specified.R/I. A one-time account authorization is not itself inconsistent with the no-remedy warranty. Accrued wages depend on state-law entitlement upon separation, which is held.S001 § 3(d)(7)(i)–(ii)(A)–(C), comments; S011 § 203(d). Consumer Financial Protection Bureau +1
R011-P1-C033No-cost-advance exclusion: no charge or fee may be required for eligibility or receipt, and before advancement the contract must warrant no legal/contractual nonpayment remedy and no collection, placement/sale as debt, or consumer reporting if unpaid on the scheduled date.R/I. A one-time account authorization is permitted by the comment; “no interest” alone is not the full exclusion.S001 § 3(d)(8)(i)–(ii), comment 3(d)(8)-1. Consumer Financial Protection Bureau
R011-P1-C034Alternative-loan terms: closed-end; term one through six months; principal $200 through $1,000; at least two substantially equal payments at substantially equal intervals; complete amortization; no charges beyond the rate/application fees allowed by the cited NCUA PALs I provision.R/I. Minor cents/calendar variations can be disregarded as specified. Interest-only or front-loaded interest/fee schedules do not satisfy full-amortization conditions. The comment’s illustrative variation is not a universal percentage safe harbor.S001 § 3(e)(1)(i)–(v), comments 3(e)(1)(iv)-1–3 and (v)-1. Consumer Financial Protection Bureau
R011-P1-C035Before an alternative loan, the lender must determine from its own records that the consumer would not be indebted on more than three outstanding alternative loans from that lender within the specified consecutive 180-day period, and must have no more than one alternative loan at a time. The period runs from 180 days before consummation through consummation.R/I. This is not merely a count of origination dates. An outside consumer report is not required by this condition.S001 § 3(e)(2), comments 3(e)(2)-1–4. Consumer Financial Protection Bureau
R011-P1-C036An alternative-loan lender must maintain and follow policies for documenting proof of recurring income.R/I. This limited condition survives; it is not reinstatement of the revoked comprehensive ability-to-repay provisions.S001 § 3(e)(3), comment 3(e)(3)-1; S014. Consumer Financial Protection Bureau
R011-P1-C037A federal credit-union loan complying with § 701.21(c)(7)(iii), PALs I, receives the § 3(e)(4) safe harbor. Its conditions include the relevant amount/term/amortization limits, borrowing limits, membership period, restricted rollovers, actual-cost application fee capped at $20, lending-policy/aggregate limits, and the rate formula tied to the current Board ceiling.R/I, partial rate verification. This is not a blanket credit-union or PALs II exemption. The rate formula is 1,000 basis points above the applicable general ceiling; that current ceiling was not independently established. Other-law permissibility remains necessary.S001 § 3(e)(4), comment 3(e)-1; S006 § 701.21(c)(7)(iii). Consumer Financial Protection Bureau +1
R011-P1-C038Accommodation exemption: at consummation, lender and affiliates together must have made no more than 2,500 covered loans in both the current and preceding calendar years, plus satisfy the 10% receipts test for the latest completed operating tax year, or the specified reasonable current-year forecast for a new lender. Specified covered longer-term loans whose transfers all meet § 8(a)(1)(ii), and their receipts, are excluded from these calculations.R/I. Forecasts must reasonably account for known substantial changes. Actual affiliate aggregation, counts and receipts are held.S001 § 3(f)(1)–(3), comments 3(f)-1–2. Consumer Financial Protection Bureau
R011-P1-C039For accommodation lending, receipts are defined using total income—or sole-proprietor gross income—plus cost of goods sold. Specified capital gains/losses, pass-through taxes and amounts collected for another are excluded; earned fees and listed business costs are not generally deducted. “Tax year” uses the stated annual-accounting-period meaning.R. No tax return, receipts calculation, tax advice, or IRS form audit performed.S001 § 3(g)–(h). Consumer Financial Protection Bureau
R011-P1-C040None of these generic definitions establishes coverage, exclusion, exemption, sovereign authority, or enforceability for any actual payday/title/pawn/installment/tribal/advance arrangement.U/INF. Actual classification and all held state, tribal, country and contract questions remain open.S001 §§ 2–3; particularly comment 3(e)-1 preserving other applicable law. Consumer Financial Protection Bureau
Source links captured in this table

Captured table 05

Claim ID · Precise claim, trigger, conditions and exceptions · Status and limits · 15 data rows

Claim IDPrecise claim, trigger, conditions and exceptionsStatus and limitsSource and pinpoint
R011-P1-C041A payment transfer is a lender-initiated debit/withdrawal from a consumer account to collect an amount due or purportedly due on a covered loan. Agent-initiated withdrawals count. Scheduled payments, partial amounts, acceleration amounts and fees can qualify; a disputed or legally unowed amount can still be a payment transfer.R/I. Calling the amount disputed does not remove the transfer from the rule; the debt’s validity itself is held.S001 § 8(a)(1), comments 8(a)(1)-1–3. Consumer Financial Protection Bureau
R011-P1-C042The definition is method-neutral and nonexclusive: EFTs, debit/prepaid-card transfers, signature checks processed through check or ACH networks, remotely created checks/orders, and qualifying internal transfers, sweeps and setoff can count. A paper-check transaction need not be a Reg E EFT to be a Part 1041 payment transfer.R/I. The FTC cross-reference mismatch in C013 remains flagged.S001 § 8(a)(1)(i)(A)–(E), comments; S004 § 1005.3(b); S007–S009. Consumer Financial Protection Bureau +2
R011-P1-C043Consumer cash payment, consumer bank online/mobile bill payment, and repayment pursuant to a valid account-garnishment court order are examples the interpretation does not treat as lender-initiated payment transfers.I. This does not decide a garnishment order’s validity or authorize litigation/collection action.S001 comment 8(a)(1)-4. Consumer Financial Protection Bureau
R011-P1-C044An account-holding lender’s transfer is excluded only when both contractual protections were effective when the loan was made and remain through its duration: no insufficient-funds-related charge other than a legally permitted loan late fee; and no account closure in response to the negative balance caused by the covered-loan transfer.R/I. A discretionary fee waiver is insufficient. Closure for a different specified reason may remain possible. This is a transfer exclusion, not a blanket loan exemption; excluded transfers are outside §§ 7–9 for that transaction.S001 § 8(a)(1)(ii)(A)–(B), all accompanying comments. Consumer Financial Protection Bureau
R011-P1-C045Section 7 identifies the specified further-withdrawal practice as unfair and abusive; comment 7-1 states that compliance with § 8 means the lender has not committed that identified practice for the covered loan.R/I. The statement is not an all-law safe harbor or license validation.S001 § 7 and Supplement I comment 7-1; S016 p. 1054/index 25. Consumer Financial Protection Bureau +1
R011-P1-C046After two consecutive qualifying failures, the lender must not initiate further payment transfers from that account for covered loans the consumer has with that lender, absent an applicable exception. The failures can involve different covered loans; old contractual authorization or a postdated check does not itself remove the bar.R/I. Affiliation alone is not an instruction to pool every lender’s counts. Actual lender/agent identity relationships remain held.S001 § 8(b)(1), comments 8(b)-1–4. Consumer Financial Protection Bureau +1
R011-P1-C047Ordinarily, a qualifying failure is a return unpaid or decline because of insufficient funds. A return for another reason, such as an incorrectly entered account number, is not a failed transfer for this prohibition.R/I. A “returned” label alone is insufficient; the reason matters. No actual return code was queried or classified.S001 § 8(b)(1), comments 8(b)(1)-1 and -3. Consumer Financial Protection Bureau
R011-P1-C048For a nonexcluded transfer by the account-holding lender, an amount exceeding available funds is a failed transfer even if internally coded differently or fully paid through overdraft. Merely observing insufficient funds and deferring the debit is not an initiated failed transfer.R/I. Apply the account-holding exclusion first; no universal “paid means successful” assumption.S001 § 8(b)(1), comment 8(b)(1)-4. Consumer Financial Protection Bureau
R011-P1-C049A qualifying failure is a first failure when no other relevant transfer has been initiated from the account, when the immediately preceding transfer was successful, or when it is the first failure following a valid § 8(c) authorization.R. These are the actual listed branches; no generic reset based on elapsed time is supplied.S001 § 8(b)(2)(i)(A)–(C). Consumer Financial Protection Bureau
R011-P1-C050A qualifying failure is the second consecutive failure when the immediately preceding transfer was a first failed transfer. Transfers initiated simultaneously or on the same day can supply the sequence. Different channels do not prevent counting.R/I. Splitting an attempted collection does not necessarily create separate fresh counting periods.S001 § 8(b)(2)(ii)–(iii), comments 8(b)(2)(ii)-1–2 and 8(b)(2)(iii)-1. Consumer Financial Protection Bureau +1
R011-P1-C051The prohibition attaches when the lender or its agent receives the second qualifying return. For the account-holding lender’s applicable transfer, it attaches on initiation of the second qualifying failed transfer.I. Internal lender knowledge cannot automatically be postponed beyond processor/agent receipt.S001 comment 8(b)(1)-2. Consumer Financial Protection Bureau
R011-P1-C052Before the bar, a successful payment transfer supplies the stated reset branch; a cash payment does not because it is not a payment transfer. After the bar, a § 8(d) immediate payment leaves the consecutive-failure count at two whether it succeeds or fails.I. Successful voluntary payment under (d) does not revive the old recurring authority.S001 comments 8(b)(2)(i)-1 and 8(b)(2)(ii)-3. Consumer Financial Protection Bureau +1
R011-P1-C053The specific bar concerns the affected account. The commentary also distinguishes a bona fide subsequent new loan originated after the bar from a refinance/rollover of a covered loan already subject to it.I. Another account is not automatically prohibited by this particular count, but independent authority and anti-evasion rules still matter. Relabeling/refinancing the existing loan is not the bona fide-new-loan exception.S001 comments 8(b)-1–4. Consumer Financial Protection Bureau
R011-P1-C054The two-failure restriction regulates collection transfers; it does not itself discharge the debt, validate a license/contract, cancel every possible bank fee, or forbid consumer cash/bank-push payments and properly qualifying (c)/(d) transfers.INF, supported by the rule’s defined scope and express exceptions. Other laws may separately govern those subjects; they are held.S001 §§ 8(a)–(d), 2(a)(17); C041–C053, C056–C067. Consumer Financial Protection Bureau +2
R011-P1-C055A non-NSF return is not itself one of the two qualifying failures. However, the text’s separate “immediately preceding successful transfer” language should not be replaced with an assumption that every non-NSF return was successful.U for atypical longer mixed sequences. Exact treatment beyond the expressly read branches remains unresolved where an intervening unsuccessful non-NSF return complicates later counting.S001 § 8(b)(2)(i)–(ii), comments 8(b)(1)-3 and 8(b)(2)(i)-1. Consumer Financial Protection Bureau
Source links captured in this table

Captured table 06

Claim ID · Precise claim, trigger, conditions and exceptions · Status and limits · 16 data rows

Claim IDPrecise claim, trigger, conditions and exceptionsStatus and limitsSource and pinpoint
R011-P1-C056Section 8(c) authorization is additional to, not a replacement for, any underlying payment authorization or instrument required by other applicable law.I. Generic original contract language is not automatically the new rule-specific authorization.S001 § 8(c)(1), comment 8(c)(1)-1. Consumer Financial Protection Bureau
R011-P1-C057Ordinarily, each additional transfer must be authorized by specific month/day/year, amount and payment channel. An amount equal to or below the authorized amount satisfies the amount condition; a larger amount does not.R/I. The date/channel and all other conditions still apply; reduced amount alone is insufficient.S001 § 8(c)(2)(i), comments 8(c)(2)(i)-1–4. Consumer Financial Protection Bureau
R011-P1-C058A § 8(c)-authorized transfer returned for NSF may be reinitiated on or after its authorized date only if that return has not again triggered the prohibition.R. This is a limited date exception, not unlimited retries.S001 § 8(c)(2)(ii). Consumer Financial Protection Bureau
R011-P1-C059A transfer solely collecting a late or returned-item fee can omit a specific date/amount only if advance authorization clearly states that purpose, the highest possible fee amount, and the channel. Varying-fee factors must be assumed at their maximum for that disclosure.R/I. This exception does not establish that the fee itself is lawful.S001 § 8(c)(2)(iii), comments 8(c)(2)(iii)-1–3. Consumer Financial Protection Bureau
R011-P1-C060The lender may request the new authorization no earlier than the date it provides the consumer-rights notice. The request must contain the specific terms and applicable fee statement. Alternative offers and follow-up requests are not categorically forbidden.R/I. Request timing differs from the later receipt-based condition for obtaining agreement.S001 § 8(c)(3)(ii), comments 8(c)(3)(ii)-1–2. Consumer Financial Protection Bureau
R011-P1-C061Request terms may be given in writing by mail/in person, or retainable email with qualifying § 9 consent or agreement during a consumer-initiated response to the rights notice. Oral telephone delivery of the required terms requires the consumer to initiate that responsive call and agree during it. Rights notice and request may share a communication if properly segregated.R/I. An outbound lender call may discuss options but does not satisfy the special oral-delivery branch. Electronic provision of request terms is distinguished from electronic signing.S001 § 8(c)(3)(ii)(A)–(B), all accompanying comments. Consumer Financial Protection Bureau +1
R011-P1-C062The authorization must be signed or otherwise agreed to in writing/electronically in retainable form and obtained no earlier than the consumer’s receipt of the rights notice. In-person/electronic receipt is when provided; mailed receipt is the earlier of the third business day after mailing or an affirmative response to that mailed notice.R/I. Mailing the request and notice together does not by itself permit obtaining agreement before deemed/actual responsive receipt.S001 § 8(c)(3)(iii)(A), comments -1–2. Consumer Financial Protection Bureau
R011-P1-C063Electronic agreement must meet the referenced E-SIGN electronic-record/signature requirements. If authorization is granted during an oral telephone communication, the lender must record the call and retain it.R/I. A telephone conversation is not automatically a legally sufficient underlying recurring-EFT authorization under Reg E.S001 § 8(c)(3)(iii)(A)–(B); S010 §§ 7001(a)–(b), 7006(4), (5), (9). Consumer Financial Protection Bureau +2
R011-P1-C064If the agreement is telephonic or otherwise not immediately retainable, the lender must provide retainable memorialization by the first authorized transfer’s initiation date. Mailing/transmission supplies the provision date; a copy of the audio recording alone is insufficient. Email must meet the specified request-email conditions.R/I. Actual delivery method, content and timing remain unknown.S001 § 8(c)(3)(iii)(C), comments -1–3. Consumer Financial Protection Bureau
R011-P1-C065A § 8(c) authorization becomes void for that exception when a new § 8(c) authorization is obtained or when two consecutive transfers under it fail.R. No separate comprehensive Part 1041 payment-authorization revocation procedure is invented here. Underlying Reg E rights and § 9 electronic-notice consent revocation are distinct.S001 § 8(c)(4)(i)–(ii); S004 § 1005.10(c); S001 § 9(a)(4)(ii). Consumer Financial Protection Bureau
R011-P1-C066A “single immediate payment transfer” is a one-time EFT initiated within one business day after authorization, or the consumer’s signature check processed through check/ACH within one business day after provision. Initiation occurs when the lender/agent sends the transfer beyond its control; an internal handoff alone is insufficient. A mailed check is provided when received.R/I. No actual calendar computation made.S001 § 8(a)(2)(i)–(ii), comments 8(a)(2)(i)-1 and (ii)-1–2. Consumer Financial Protection Bureau +1
R011-P1-C067After the bar, § 8(d) permits that immediate transfer if its underlying one-time authorization/check is obtained no earlier than the rights-notice provision date or the consumer’s affirmative contact about repayment, whichever is earlier. Each request supports one attempt only; another attempt requires a fresh qualifying (c) or (d) basis.R/I. Separate qualifying requests can occur repeatedly, but success does not reset the barred count. The rights-notice duty remains.S001 § 8(d)(1)–(2), comments 8(d)-1–3 and 8(b)(2)(ii)-3. Consumer Financial Protection Bureau
R011-P1-C068For recurring preauthorized EFTs within Reg E, § 1005.10(b) requires written/similarly authenticated consumer authorization and a copy. Check conversion and returned-item-fee EFTs have their own § 1005.3(b)(2)–(3) authorization/notice predicates.R/I, bounded overlay. Part 1041 compliance does not establish those separate predicates. No full Reg E fee or electronic-transfer audit is supplied.S004 §§ 1005.2(k), 1005.3(b)(2)–(3), 1005.10(b). Consumer Financial Protection Bureau +1
R011-P1-C069Reg E permits stopping a scheduled preauthorized EFT through oral/written notice to the account institution at least three business days before it. The institution may require written confirmation within 14 days, subject to the contemporaneous instruction/address conditions. The official interpretation separately addresses notice of revoked authorization and blocking future debits.R/I. These are separate rights and predicates, not a conclusion about any actual bank’s duties, deadline or liability.S004 § 1005.10(c)(1)–(2), comments 10(c)-1–3. Consumer Financial Protection Bureau
R011-P1-C070Reg E’s varying-amount preauthorized-EFT notice generally uses 10 days before transfer, subject to its informed range/difference option and stated exceptions. Section 1005.10(e)(1) also restricts conditioning credit on repayment by recurring preauthorized EFT, with specified exceptions.R/I. Part 1041’s notice periods do not automatically satisfy these separate rules. This is not a comprehensive Reg E/Reg Z review.S004 § 1005.10(d), (e)(1) and comments. Consumer Financial Protection Bureau +1
R011-P1-C071Sections 8(e) and 13 prohibit intentional evasion. Substance and circumstances control over labels; knowing or reckless conduct can qualify, and fraud is not a prerequisite. Conduct solely for legitimate business purposes is distinguished.R/I. No actual intent finding. Test transfers or splitting arrangements require facts; the official illustration is not a per se conclusion about every small transfer.S001 § 8(e), comments 8(e)-1–2; § 13 and comment. Consumer Financial Protection Bureau
Source links captured in this table

Captured table 07

Claim ID · Precise claim, trigger, conditions and exceptions · Status and limits · 21 data rows

Claim IDPrecise claim, trigger, conditions and exceptionsStatus and limitsSource and pinpoint
R011-P1-C072Notices must be clear/conspicuous, understandable and noticeable, and viewable on paper or screen. Oral or recorded notices do not satisfy § 9. They must be retainable, except the short notices delivered by text/app; short email notices remain retainable.R/I. The exception does not excuse retention capability for the full electronic notice.S001 § 9(a)(1)–(3), comments. Consumer Financial Protection Bureau
R011-P1-C073Electronic delivery requires affirmative written/electronic consent to each particular method. The consumer must separately be offered email; email alone may be the offered electronic method.R/I. Generic electronic contracting or consent to one channel does not automatically establish consent to another. Section 9 uses its own consent framework without E-SIGN delivery formalities.S001 § 9(a)(4)(i)(A)–(B), comments 9(a)(2)-1 and 9(a)(4)(i)-1. Consumer Financial Protection Bureau
R011-P1-C074A method can no longer be used after consent is revoked by any reasonable means or the lender receives information that the consumer cannot receive/access notices through it. Another separately consented method may remain available.R/I. After a timely notice already provided, the specified commentary permits the currently disclosed payment to proceed; future unusual notices require alternate delivery. Notice-consent loss is distinct from payment-authorization revocation.S001 § 9(a)(4)(ii), comments; §§ 9(b)(2)(i)(B)(2), 9(b)(3)(i)(B)(2). Consumer Financial Protection Bureau +2
R011-P1-C075Required notices must be segregated from other materials, allowing only specified identification/branding/navigation additions. Other content cannot surround the required content; it can be in a separate paper/page. Electronic full payment and rights notices must be machine readable and accessible through both browsers and screen readers.R/I. A PDF extension alone does not establish accessibility.S001 § 9(a)(5)–(6), comment 9(a)(5)-1. Consumer Financial Protection Bureau
R011-P1-C076Use of the official models is optional, but required content, order and format must be substantially similar to the applicable models. The official comment provides a disclosure safe harbor for model use. Another language may be used if English is available on request.R/I. Model use does not excuse timing, consent, truthful population, or other-law defects.S001 § 9(a)(7)–(8), comment 9(a)(7)-1; Appendix A. Consumer Financial Protection Bureau
R011-P1-C077The first-payment notice concerns the first scheduled transfer for a particular covered loan, excluding a qualifying immediate transfer. A loan’s first transfer after becoming covered can be the first withdrawal. Changing authorization later does not automatically create a new first withdrawal. An intervening cash payment can leave the original timely first notice sufficient for the next scheduled withdrawal, subject to unusual-withdrawal duties.R/I. “First payment ever received” is not the test.S001 § 9(b)(1)(i), comments 9(b)(1)(i)-1–3. Consumer Financial Protection Bureau +1
R011-P1-C078An unusual withdrawal involves one or more of: an amount larger or smaller than scheduled; a different/unscheduled date; a channel different from the directly preceding transfer; or reinitiation of a returned transfer. For open-end credit, the amount comparison is to the minimum due disclosed on the periodic statement.R/I. Retry notices are not limited to NSF returns; fee-only/unscheduled collections can trigger amount/date disclosures.S001 §§ 9(b)(1)(ii), 9(b)(3)(ii)(C)(1)–(4), comments -1–4. Consumer Financial Protection Bureau
R011-P1-C079The § 9(b) payment notice is not required for the initial transfer after valid § 8(c) authorization, even if unusual, or for a qualifying § 8(a)(2) immediate transfer. For an authorized series, the first exception covers only the initial transfer.R/I. These exceptions concern payment notices, not automatic cancellation of the consumer-rights notice.S001 § 9(b)(1)(iii)(A)–(B), comments -1–2. Consumer Financial Protection Bureau
R011-P1-C080A first-payment notice may be sent no earlier than payment authorization. Mail requires at least six business days before initiation; electronic delivery/in person requires at least three business days. Mailing/sending, rather than consumer receipt, starts the disclosed notice interval.R/I. No actual holiday or business-day calendar was applied.S001 § 9(b)(2)(i)(A)–(C), timing comments. Consumer Financial Protection Bureau
R011-P1-C081An unusual-payment notice by mail must be sent 10 through 6 business days before initiation; electronic/in-person notice uses 7 through 3 business days before initiation.R. These include an earliest as well as latest permitted point, unlike the first notice’s authorization-based earliest point. Open-end exception addressed separately.S001 § 9(b)(3)(i)(A)–(C). Consumer Financial Protection Bureau
R011-P1-C082An open-end unusual notice may accompany the Reg Z § 1026.7(b) periodic statement using applicable statement timing. For relevant non-card open-end statements, § 1026.5(b)(2)(ii)(B) supplies the conditional 21-day grace-period and 14-day late-treatment timing requirements.R, bounded overlay. Section 9 segregation still applies; this is not permission to bury the notice in unrelated statement text. Full periodic-statement content and any actual statement calendar remain held.S001 § 9(b)(3)(i)(D); S005 §§ 1026.5(b)(2)(ii)(B), 1026.7(b). Consumer Financial Protection Bureau +1
R011-P1-C083The full first notice requires the prescribed “Upcoming Withdrawal Notice” identification and lender name; initiation date; total transfer amount; enough account information without the full account number; loan identification; specific channel; and a check number when applicable.R/I. Initiation means release beyond lender/agent control to third-party processing. Actual identifying entries were not obtained or invented.S001 § 9(b)(2)(ii)(A)–(B)(6), comments. Consumer Financial Protection Bureau
R011-P1-C084Its payment-breakdown table must show principal even when zero, accrued interest, applicable fees/other charges, total, and the prescribed applicable interest-only/negative-amortization statement. It also needs lender name, a different transfer-facing name if used, and two different forms of contact information.R/I. Fees may be aggregated or separately stated as allowed. No actual amount or fee legality determined.S001 § 9(b)(2)(ii)(C)(1)–(7), (D), comments. Consumer Financial Protection Bureau +2
R011-P1-C085The unusual notice uses its prescribed alert heading, the basic transfer/breakdown/contact content, and all applicable unusual explanations. A retry explanation includes the prior unsuccessful attempt’s date, amount and reason for return; a channel-change explanation identifies the former channel.R/I. This is not satisfied merely by saying “payment due.”S001 § 9(b)(3)(ii)(A)–(C). Consumer Financial Protection Bureau
R011-P1-C086Electronic short payment notices contain the identification, date, amount and limited account information, plus a unique URL when the full notice is linked rather than attached as PDF. Unusual short notices add applicable amount/date/channel changes. The short-notice list does not separately enumerate the full notice’s retry-history field.R. The full notice still must contain all applicable retry details. A short notice alone is insufficient.S001 § 9(b)(4)(i)–(ii)(A)–(B). Consumer Financial Protection Bureau
R011-P1-C087With valid email consent, the lender may put the full notice in the email body, or send the full notice by linked webpage/PDF attachment with the required short notice. The interpretation specifies the identifying statement in email subject and body. Other electronic methods use the full-plus-short structure.R/I. A bare link without required short content is insufficient.S001 § 9(b)(4)(iii), comments 9(b)(4)-1, 9(b)(4)(ii)(A)-1. Consumer Financial Protection Bureau +1
R011-P1-C088After the two failures described in § 8(b), a consumer-rights notice must be sent no later than three business days after the lender or agent receives information of the second failure.R/I. The trigger is information receipt by either; actual processing or management review dates are unknown.S001 § 9(c)(1)–(2), comment 9(c)(2)-1. Consumer Financial Protection Bureau
R011-P1-C089The full rights notice must identify the lender’s inability to continue withdrawals; describe the two NSF failures or applicable overdraft result; identify the account without its full number and associated covered loans; state the federal permission restriction and possible contact about choices; and tabulate scheduled due dates, attempt dates, amounts and lender-charged fees. The final information must be the prescribed CFPB statement and www.cfpb.gov/payday.R/I. When the lender holds the account, the fee field includes relevant loan and deposit-account fees. The full account number must not be supplied.S001 § 9(c)(3)(i)–(viii), comments 9(c)(3)-1–2. Consumer Financial Protection Bureau
R011-P1-C090The short electronic rights notice includes the lender restriction, last-two-failure statement, limited account information, federal permission restriction and unique URL when linked. Email can use the full-body alternative; otherwise full-plus-short delivery applies.R/I. Consent, retention, segregation and accessibility conditions remain applicable.S001 § 9(c)(4)(i)–(iii), comment 9(c)(4)-1. Consumer Financial Protection Bureau
R011-P1-C091A later immediate payment or new authorization does not create an express waiver of the already-triggered rights notice. Rights notice and authorization request may share an envelope/email only with the specified segregation; open-end notice/statement combination has its own limited rule.R/I/INF. No general license to combine all notices with all contract or marketing content is inferred.S001 §§ 8(c)(3)(ii), 8(d), 9(a)(5), 9(b)(1)(iii), 9(b)(3)(i)(D), 9(c)(1). Consumer Financial Protection Bureau +2
R011-P1-C092The official May 2019 model PDF’s entire parsed text was read. It supplies generic illustrative models A-3–A-8, with sample populated fields, rather than a wholly empty fillable audit form.Text read / visual U. No sample identities or amounts are reproduced here. No model pixels were inspectable; extraction alone does not verify layout or visual conformity.S015, indexes 0–6; model inspection table below. files.consumerfinance.gov
Source links captured in this table

Captured table 08

Notice · Trigger · Mail · 4 data rows

NoticeTriggerMailElectronic / in personMain content and modelExceptions / combination
First paymentFirst scheduled transfer for the covered loan, subject to the interpretationsNo earlier than authorization; at least 6 business days before initiationNo earlier than authorization; at least 3 business days before initiationTransfer terms, breakdown, warnings as applicable, contacts; A-3; electronic short A-6Initial valid § 8(c) transfer and qualifying immediate transfer excluded; C077–C080
Unusual paymentAny applicable amount, date, channel or retry condition10–6 business days before initiation7–3 business days before initiationBasic full content plus applicable unusual explanation; A-4; short A-7Same § 9(b)(1)(iii) exceptions; limited open-end periodic-statement timing option
Consumer rightsTwo consecutive qualifying failuresSend within 3 business days after information of second failureSame trigger/deadline; electronic consent and full/short rules applyRestriction, failure explanation, account/loan information, previous-attempt table, CFPB footer; A-5; short A-8No express waiver merely because later payment occurs; may accompany segregated authorization request
All threeWhen requiredWritten, clear, retainable and segregatedValid method-specific consent; full notice machine readable; email full-body option or full-plus-short arrangementSubstantially similar required content/order/formatShort text/app retention exception does not excuse full-notice retention/accessibility

Captured table 09

Model · PDF index · Parsed text actually observed · 6 data rows

ModelPDF indexParsed text actually observedVisual/read limitation
A-31Upcoming-withdrawal identification; date/amount/account/check fields; breakdown; applicable interest-only warning; fee/contact and stopping-payment languageNo inspected pixels; type size, spacing, borders and full visual ordering not verified
A-42Unusual-withdrawal alert; explanation of changed amount; prior-attempt information; transfer fields; breakdown and contactsSame limitation; illustrative unusual condition is not the complete universe of required conditions
A-53Two-failure explanation; permission restriction; future choices; table of due/attempt dates, amounts and fees; CFPB informationSome extracted URL characters were garbled; mandatory CFPB URL was verified independently in § 9(c)(3)(viii)
A-64Short upcoming-withdrawal subject/body structure; date, amount, limited account reference and access linkNo inspected pixels; full notice still required except applicable email full-body delivery
A-75Short unusual-withdrawal subject/body structure and changed-amount explanationNo inspected pixels; current operative § 9 controls all applicable content
A-86Short rights-notice subject/body; two failures, permission restriction and access linkNo inspected pixels; parsed links are not proof of working electronic access

Captured table 10

Claim ID · Precise claim, trigger, conditions and exceptions · Status and limits · 6 data rows

Claim IDPrecise claim, trigger, conditions and exceptionsStatus and limitsSource and pinpoint
R011-P1-C093The lender must retain evidence of compliance for 36 months after the covered loan ceases to be outstanding. The listed record categories are nonexhaustive.R/I. The period does not simply run from origination or the first failed transfer. No actual destruction date calculated.S001 § 12(b), comment 12(b)-1. Consumer Financial Protection Bureau
R011-P1-C094“Outstanding” generally continues while legally obligated, including delinquency/workout, but ends at the earliest full payment, release, discharge, or 180 days after the last payment; if no payment, 180 days after consummation. The interpretation says it cannot become outstanding again after those terminating events. Sale/servicing transfer does not itself change the status.R/I. This rule-specific status definition is not debt cancellation or an automatic reset of the § 8 prohibition.S001 § 2(a)(17), comments 2(a)(17)-1–2. Consumer Financial Protection Bureau
R011-P1-C095Required image-reproducible records include each originated covered-loan agreement, applicable leveraged-payment mechanism, § 8(c) authorization, and underlying one-time authorization/check for § 8(d). Required oral-authorization recordings must also be retained.R/I. Electronic documents may be kept electronically or as printouts as specified. Notice/consent evidence falls under the general nonexhaustive compliance-evidence duty; an invented mandatory notice-image format is not asserted.S001 §§ 12(b)(1), (4), 8(c)(3)(iii)(B), comments 12(b)(4)-1. Consumer Financial Protection Bureau +1
R011-P1-C096Electronic tabular records must include payment receipt/attempt dates, amounts due, attempted and received/transferred, payment channel, and—when the prohibition applies—whether qualifying (c)/(d) authorization was obtained.R/I. Image PDFs and word-processing files are not the required tabular format. Missing rows may prevent reconstruction; they do not establish debt invalidity.S001 § 12(b)(5)(i)–(ii), comment 12(b)(5)-1. Consumer Financial Protection Bureau
R011-P1-C097A covered-loan lender must develop and follow written compliance procedures appropriate to lender/affiliate size, complexity and lending activities, including detailed guidance for §§ 8–9.R/I. Incomplete evidence can leave compliance unresolved; an absence of evidence is not a finding that no rule applies.S001 § 12(a), comment 12(a)-1. Consumer Financial Protection Bureau
R011-P1-C098The periods above are reported in the units actually used—business days, days, months, calendar years or tax years. No individualized calendar calculation was performed.U for actual calendars. A comprehensive Part 1041 business-day/calendar definition was not established in the read material; Reg E’s separate definition was not silently imported. Holidays, receipt facts, event order and applicable calendars remain held.S001 §§ 8–9, 12 and their timing comments; S004–S005 for their separate periods.
Source links captured in this table

Captured table 11

Audit item · Generic issue to test · Authority / claim reference · 40 data rows

Audit itemGeneric issue to testAuthority / claim referenceObservation, support and unresolved result
Applicable legal versionApplicable event period; regulation version; final-rule changes; relevant published judicial postureC001–C013
Consumer definitionWhether the defined individual/representative relationship is presentC014
Lender regularityHousehold-purpose lending and relevant numerical testC015
Account definitionReg E account status and applicable exclusionsC016
Credit structureCredit; open-end/closed-end; single/multiple advance structureC017
ConsummationApplicable-law contractual obligation triggerC018
Service/agency relationshipsMaterial service, agency, and separate affiliate questionsC019, C041, C051
Primary purposePersonal/family/household purposeC020
Short-term predicateRequired repayment within the statutory-regulatory period; sweep rightC021
Balloon predicateRequired payment structure and excluded default chargesC022
Longer-term cost predicateIncorporated cost measure and measurement pointC023–C024
Leveraged mechanismPull right, timing, contractual election, immediate-payment distinctionC025
Purchase-money exclusionSole initial-purchase purpose and security in purchased goodC026
Real-property/dwelling exclusionSecurity type and perfection/recording within termC027
Credit-card exclusionActual defined credit-card accountC028
Education exclusionTitle IV or private-education definition and exceptionsC029
Pawn exclusionSole possession/use throughout term; sole recourseC030
Overdraft exclusionDefined service or lineC031
Wage-advance exclusionEmployer/partner, accrued wages, preadvance warrantiesC032
No-cost-advance exclusionNo required charges and complete preadvance warrantiesC033
Alternative-loan exemptionTerms, permitted charges, borrowing history, recurring-income proceduresC034–C037
Accommodation exemptionAffiliate counts, receipts, tax-year predicates, excluded loansC038–C039
Transfer classificationLender/agent initiation, purpose, channel, due/purportedly due amountC041–C043
Account-holding exclusionContractual no-fee/no-closure conditions throughout termC044
Return reasonNSF versus other reason; special account-holding treatmentC047–C048
SequenceFirst failure, immediately preceding transfer, same-day/channel/loan relationshipsC049–C055
Knowledge triggerLender/agent information receipt or applicable internal initiationC051, C088
New authorization requestRights notice provided; terms; permitted request channel; segregationC056–C061
New authorization agreementRights notice received/deemed received; signature; date/amount/channelC057, C062–C063
Memorialization/expirationRetainable copy timing; recorded call; supersession or two new failuresC064–C065
Immediate-payment requestFresh one-time basis, one-business-day initiation, one-attempt limitationC066–C067
Separate electronic-payment lawUnderlying Reg E authorization, stopping/revocation and variable-amount predicatesC068–C070
First/unusual noticeTrigger, exception, mailing/sending window, full required contentC077–C087
Consumer-rights noticeTrigger, sending period, failure table and prescribed statementsC088–C091
Electronic deliveryEach method’s consent, email option, later loss of consentC073–C074
Format/accessibilityRetainability, segregation, machine readability, full/short combinationC072, C075–C076, C086–C092
RecordsAgreement/authorization images, recordings, electronic tabular historyC093–C096
Retention triggerWhen rule-specific outstanding status ended; no inferred debt dischargeC093–C094
Procedures/evasionWritten controls; substantive conduct; no inferred intentC071, C097
Unresolved conclusionExact missing fact or authority; no acceptance or individualized decisionC098 and parent holds

Captured table 12

Example ID · Stipulated qualitative facts · Part 1041-specific result versus unknown · 20 data rows

Example IDStipulated qualitative factsPart 1041-specific result versus unknownEvidence category neededAdverse misclassification to avoid / claim links
R011-P1-E001A household-purpose loan is neither short-term nor balloon; its properly determined cost does not exceed the residual branch’s threshold.The residual longer-term branch fails even if a pull mechanism exists. Other law remains unknown.Term/payment structure and properly determined cost categoryTreating every installment or title-labeled arrangement as covered. C020–C025
R011-P1-E002Credit solely finances an initial purchase, secured by the purchased good, with only qualifying purchase-related costs.The purchase-money exclusion can apply despite otherwise high cost or a pull mechanism. A refinance would require a different analysis.Purpose and security termsTreating collateral or high cost alone as defeating the exclusion. C026
R011-P1-E003An arrangement is called pawn, but the consumer retains use of the collateral during the term.The sole-possession/use condition for the pawn exclusion fails. That does not by itself prove the remaining coverage predicates.Possession/use and recourse termsConcluding either “all pawn excluded” or “failed pawn exclusion means automatically covered.” C020, C030
R011-P1-E004The first relevant transfer fails for NSF; the consumer then pays cash; the next relevant transfer also fails for NSF.Cash does not reset the transfer count; the next qualifying failure can be the second consecutive failure.Transfer sequence, cash-versus-transfer classification, return reasonsTreating every payment received as a successful payment transfer. C049–C052
R011-P1-E005One transfer fails for NSF; the next is returned solely for an incorrectly entered account number.The second return is not itself a qualifying NSF failure, so these two events do not constitute the required pair. Treatment of a later longer mixed sequence is not assumed.Actual return reasons and complete orderEquating all returns with NSF, or calling every non-NSF return successful. C047, C055
R011-P1-E006An ACH collection on one covered loan fails for NSF; the next transfer, by debit-card channel on another covered loan with the same lender and from the same account, also fails for NSF.Different loan/channel does not prevent the second consecutive failure or the resulting same-account restriction across the lender’s covered loans.Same-account/same-lender relationship, channel and return sequenceCounting separately by installment, loan label or channel. C046, C050–C051
R011-P1-E007Two portions of a collection are initiated together and both fail for NSF, with no prior relevant transfer.Simultaneous/same-day transfers can establish first and second failures. Separate evasion questions depend on purpose and circumstances.Initiation order/batch facts and return informationAssuming simultaneity prevents counting, or inferring evasion solely from splitting. C050, C071
R011-P1-E008Two qualifying failures have occurred from one account; a later proposed transfer concerns another account.The identified same-account bar does not automatically prohibit that other-account transfer. Underlying authorization, separate counts and evasion remain unknown.Account relationship without exposing identifiers; separate authority and sequenceTreating the exception from this count as affirmative permission to debit any account. C046, C053, C056, C071
R011-P1-E009The lender holds the account and the required no-fee/no-closure protections were contractual at loan inception and remain throughout the term.A transfer satisfying both conditions is excluded. Merely waiving a fee on one occasion would not establish that result.Contract duration and both protection clausesTurning a single fee waiver or “no NSF fee” marketing statement into the full exclusion. C044, C048
R011-P1-E010After the bar, the lender relies on the original contract, or obtains a new agreement before mailed-rights-notice receipt/deemed receipt and without an affirmative response to that notice.Original authority does not satisfy § 8(c); the stipulated premature new agreement fails its receipt-timing condition.Original/new authorization text and notice provision/receipt relationshipTreating ordinary recurring authority or notice mailing alone as sufficient new authorization. C056, C060–C063
R011-P1-E011A properly timed § 8(c) authorization specifies date, amount and channel, but the lender attempts more than the authorized amount.The transfer does not qualify under the amount condition. Equal/smaller amounts can satisfy that one condition, subject to all others.Authorized terms and proposed transfer characteristicsTreating authorization as unlimited or assuming every smaller transfer is fully compliant. C057–C059
R011-P1-E012After two failures, the consumer affirmatively contacts the lender about repayment before the rights notice is provided, supplies a qualifying one-time basis, and the transfer is initiated within one business day.The earlier-contact branch can support one immediate attempt. The rights notice remains due; success does not reset the barred count; retry requires a fresh basis.Initiating-contact category, one-time authority, control-release timingRequiring § 8(c) for every immediate request, or treating one request as recurring permission. C052, C066–C067, C091
R011-P1-E013A first scheduled covered-loan transfer has no exception, and its mailed notice is sent fewer than six business days before initiation.On those stipulated facts the first-notice timing condition is not met. Actual calendar application is not determined here.Mailing/initiation relationship and applicable business-day calendarCounting from receipt, or importing an electronic three-business-day window into mail. C077, C079–C080, C098
R011-P1-E014A later transfer is smaller than scheduled, occurs off schedule, changes channel, or retries a return for a non-NSF reason.Each applicable unusual condition must be assessed and disclosed unless a payment-notice exception applies. A retry notice can be required even though the prior return did not count toward the two-failure bar.Schedule, previous channel and return-purpose categoriesEquating unusual notices only with larger payments or NSF retries. C047, C078–C086
R011-P1-E015Electronic notices are sent by text based on a bundled consent that offers no separate email option and no affirmative choice of text.The stipulated consent process fails the described § 9(a)(4) conditions.Consent presentation and selectionsTreating general electronic-contract consent or possession of a mobile number as sufficient. C073
R011-P1-E016A timely electronic payment notice was provided; afterward the lender receives a loss-of-access notification for that method.The commentary allows the already-disclosed payment in the stated circumstances; future required unusual notices need an available alternative method. Underlying payment authorization remains a separate issue.Sequence of notice provision and access-loss informationTreating later notice-consent loss as either irrelevant forever or automatic cancellation of every previously disclosed payment. C074
R011-P1-E017A required full electronic notice is supplied only as an inaccessible image, or the lender sends only a short message without the required full notice.On those stipulations the machine-readability or full-plus-short requirement is not met. This is not a finding about the official PDF’s unseen pixels.Functional text/accessibility and full-notice availabilityEquating “PDF” with accessible/retainable, or treating a short notice as the complete notice. C072, C075, C086–C092
R011-P1-E018Payment histories exist only as image PDFs and the authorization/return sequence cannot be reconstructed.Image files do not satisfy the electronic tabular-record requirement; missing evidence leaves other compliance questions unresolved. Debt cancellation does not follow.Tabular fields, reproducible authorizations and sequence evidenceTurning incomplete records into proof that the debt is void—or into proof that the lender complied. C093–C097
R011-P1-E019A lender calls an existing barred loan a new loan after a rollover/refinance.The commentary’s bona fide subsequent-loan distinction cannot be assumed from that label; refinances/rollovers of the existing covered loan do not supply that distinction.Substance of the loan relationship and chronologyUsing relabeling to erase the original same-account prohibition. C053, C071
R011-P1-E020An analysis treats the March 2025 nonprioritization announcement as repeal, or the reversed 2022 vacatur as the current operative disposition.Both classifications are unsupported by the reviewed authorities. Exact later applicability still remains subject to C011’s currentness gap.Applicable final-rule/legislation text and published later opinions, if anyConflating policy, proposed change, historical vacatur and current regulation. C003–C013

Captured table 13

Assigned subquestion / major branch · Coverage result · Claim/example links · 61 data rows

Assigned subquestion / major branchCoverage resultClaim/example linksExact missing authority or factsNext bounded permissible investigation
Consumer definitionAnswered genericallyC014Actual individual/representative relationshipNo public-law search can establish held personal facts
Lender definition and regularityAnswered genericallyC015Actual lending counts, periods and organizational relationshipsGeneric published interpretation only if a new definitional issue arises
Account definitionPartial: necessary definition readC016Actual deposit/prepaid/trust featuresBounded generic Reg E prepaid-definition research if needed; no account query
Credit/open-/closed-end structureAnswered genericallyC017Actual plan and advance structureGeneric official interpretation of a disputed structural feature
ConsummationAnswered federal definition; application unresolvedC018Governing law and contractual obligation eventParent-held contract/state-law investigation only if separately assigned
Lender/service provider/agent distinctionsAnswered genericallyC019, C041, C051Actual agency/material-service/control factsPublished generic interpretations; no entity search
Household primary purposeAnswered genericallyC020Actual purpose and mixed-use factsGeneric primary-purpose interpretation only
Short-term predicateAnswered genericallyC021Required schedule, sweep right, applicable-law breach conditionPublished interpretation of ambiguous schedules; actual facts held
Balloon predicateAnswered genericallyC022Required payments and permissible exclusionsNo actual amortization or contract calculation in this component
Longer-term cost-plus-mechanism predicatePartial by scopeC023–C025, E001Complete APR/finance-charge inputs and actual pull rightFull APR/fee work remains parent-held; generic mechanism questions may be bounded
Coverage arising after originationAnswered genericallyC024–C025, C077Actual cycle-end cost and mechanism-acquisition chronologyGeneric primary interpretation only
Purchase-money exclusionAnswered genericallyC026, E002Sole initial-purchase purpose, security, refinance statusActual classification held
Real-property/dwelling exclusionAnswered genericallyC027Use as dwelling and perfection/recording during termProperty and recording queries excluded
Credit-card exclusionAnswered genericallyC028Defined credit-card-account featuresNo account/product query
Education-credit exclusionPartial beyond necessary cross-definitionC029Actual Title IV/private-education classification; underlying HEA institutional/program factsGeneric HEA cross-definition research if separately needed
Pawn exclusionAnswered genericallyC030, E003Possession/use throughout term and recourseCollateral/forfeiture law remains held
Overdraft exclusionAnswered only for Part 1041 scopeC031Actual service/line classificationNo R010 incorporation; broader overdraft law remains held
Wage-advance exclusionAnswered federal predicates; state element heldC032Employer/partner facts, accrued wages under state law, contract warrantiesGeneric state-law component only if separately assigned
No-cost-advance exclusionAnswered genericallyC033Required charges and complete preadvance warrantiesActual contract facts held
Alternative-loan term conditionsAnswered genericallyC034Actual amounts, schedule, charges, amortizationNo actual loan calculation
Alternative borrowing-history conditionAnswered genericallyC035Own-record history and outstanding-status periodsNo consumer-record request/search
Alternative recurring-income conditionAnswered genericallyC036Actual policies and complianceFull underwriting remains held
PALs I safe harborPartialC037Current Board ceiling and actual compliance with every NCUA conditionCurrent official NCUA Board/Letter rate authority; no credit-union lookup
Accommodation exemptionAnswered generic formula; actual result unresolvedC038–C039Affiliate counts, receipts, tax years, forecastsNo entity/financial-record search
Tribal/product label and actual classificationUnresolved by express holdC040Sovereign authority, governing law, actual product termsSeparate parent component if authorized
Payment-transfer purpose and methodsAnswered genericallyC041–C043Actual initiation/purpose/instrument factsPublished generic instrument authority if necessary
Account-holding no-fee/no-closure exclusionAnswered genericallyC044, E009Contract terms effective from inception through durationActual agreements held
Identified unfair/abusive practiceAnswered narrowlyC045Actual compliance and any independent legal theoryNo individual liability/remedy investigation
NSF versus other return reasonsAnswered genericallyC047–C048, E005Actual reason, available funds, internal transfer factsNo return-record query
First failureAnswered genericallyC049, E004Complete prior transfer sequenceActual sequence held
Second failure; simultaneous transfersAnswered genericallyC050, E007Exact initiation/return orderActual event facts held
Different channels and loansAnswered genericallyC046, C050, E006Same-account/same-lender relationshipsNo identifier comparison or entry
Agent knowledge and trigger dateAnswered genericallyC051, C088Lender/processor information receiptNo actual processor-record request
Success/cash/immediate-payment countingAnswered genericallyC052, E004, E012Payment classification and valid exception predicatesActual events held
Other account/new loan/refinanceAnswered distinctions; application heldC053, E008, E019Separate account, bona fide new-loan substance, timingRefinancing and contract work otherwise parent-held
Atypical mixed return sequenceUnresolved beyond express branchesC055, E005Further official interpretation resolving unsuccessful non-NSF intervening eventsTargeted published primary interpretation only
Debt discharge/fees/license implicationsExcluded conclusions identifiedC054Independent law and actual factsParent-held subjects; no implication from two failures
New authorization versus old contractAnswered genericallyC056, E010Actual new agreement and underlying authorityNo authorization-document request
Specific date/amount/channel and fee-only branchAnswered genericallyC057–C059, E011Actual terms, amount, purpose and fee legalityActual data and broader fee law held
Request timing and channelsAnswered genericallyC060–C061Notice provision, consumer-initiated response, email consentActual communications held
Receipt timing/signature/oral recordingAnswered genericallyC062–C063, E010Receipt/deemed-receipt facts and signing/recordingNo actual communications/recording retrieval
Memorialization and expiryAnswered genericallyC064–C065Actual copy transmission and later authorization/failuresActual evidence held
Immediate-payment branchAnswered genericallyC066–C067, E012Fresh one-time request, contact timing, release from controlActual event/calendar facts held
Separate Reg E limitsPartial, deliberately boundedC068–C070Actual recurring authority, stop notice, varying amounts; full Reg E questionsAdditional primary clauses only if necessary; no R010 reuse
Anti-evasionAnswered generic standardC071, E007, E019Actual purpose/substanceNo intent or liability finding
First-payment noticeAnswered genericallyC077, C079–C080, C083–C084, E013Covered-status date, schedule, notice and sending factsActual documents held
Unusual-payment noticeAnswered genericallyC078, C081–C086, E014Amount/date/channel/retry conditionsActual documents held
Consumer-rights noticeAnswered genericallyC088–C091Failure-information receipt and complete notice contentActual documents held
Electronic consent and lossAnswered genericallyC073–C074, E015–E016Method selections, email option, revocation/access-loss factsActual consent records held
Notice combination/segregationAnswered for express branchesC061, C075, C082, C091Actual layout and content placementGeneric blank-layout inspection permissible; no universal combination rule inferred
Official model textAnswered as parsed textC092; model tableNo missing parsed model bodyNo need to repeat extraction
Official model pixelsUnresolved retrieval limitationC092, E017Inspectable images for PDF indexes 1–6Retry public generic PDF image rendering through permitted public browsing only
Record retention and outstanding statusAnswered genericallyC093–C096Last payment/release/discharge dates, retained formatsNo actual calendar or record review
Incomplete records/compliance proceduresAnswered generic consequences; actual compliance unresolvedC097, E018Complete evidence and written proceduresNo actual audit acceptance
Effective/compliance dates and underwriting revocationAnswered historical published textC003–C005Individual event applicabilityNo individualized date determination
Court stays/vacatur/later historyPartialC006–C009Complete published stay/mandate chronology and later published developmentsPublished opinions only; no docket or case-record query
Nonprioritization versus repealAnswered distinctionC010, E020Any later superseding policy/final ruleOfficial generic publication check
Later amendment/repeal/disapproval/currentnessUnresolved beyond checked boundsC001, C011October 23–27 regulatory lag, October 15–27 statutory lag, later published authorityBounded official final-rule/session-law/published-opinion check
Withdrawn Guidance registerAnswered for materials usedC012No advisory/circular/bulletin relied uponRecheck only if one becomes necessary
Business-day/calendar applicationUnresolved actual calendarC098Applicable calendar and real triggering eventsGeneric published calendar interpretation; no individual deadline
Other A011 dimensionsExcluded by express parent holdsSection 8 belowAll listed parent issuesSeparate focused assignment required; no closure inferred

Captured table 14

Log item · What was actually done/read · Result and precise limitation · 15 data rows

Log itemWhat was actually done/readResult and precise limitation
Core operative ruleRead complete necessary §§ 1041.2, .3, .7, .8, .9, .12–.15 and relevant official interpretations through current agency text; used eCFR for § 1, currency and comment 7-1Operative body reading, not reliance on search snippets or navigation headings
Historical final rulesRead dates and relevant complete amendatory instructions in the 2019 and 2020 official final rulesNo claim to have read all explanatory preamble pages
2017 Federal Register HTML failureAttempted https://www.federalregister.gov/documents/2017/11/17/2017-21808/payday-vehicle-title-and-certain-high-cost-installment-loansRetrieval exceeded the tool’s document-size limit; recovered relevant body through S012 GPO HTML
2017 PDF failureAttempted https://www.govinfo.gov/content/pkg/FR-2017-11-17/pdf/2017-21808.pdfPDF exceeded the retrieval size limit; no PDF text/pixels claimed from that failed retrieval
Initial House § 5481 routeAttempted https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title12-section5481&num=0&edition=prelimFailed route; recovered the dated House compilation in S002 and read the necessary body
FLSA House routeAttempted https://uscode.house.gov/us/usc/119-124/t29/s203/Not accessible; § 203(d) recovered from GPO S011; fallback edition remains unverified
Annual CFRAttempted S024; read selected 2025 annual-CFR text in S0162026 annual-edition body not verified. Failure is not evidence that no edition or rule exists
Generic modelsRead all extracted text in S015, including A-3–A-8Parsed text is not pixel inspection; garbled extracted URL characters were not reconstructed into purported model text
Model screenshotsAttempted PDF indexes 1–6Responses contained placeholders without usable image content; no typography, visual arrangement, colors or complete form pixels were inspected
Reg E/Reg Z/NCUA cross-referencesRead the bounded clauses recorded in S004–S006No claim of complete Reg E, Reg Z, underwriting, usury, APR, or current NCUA rate review
FTC numberingCompared current § 310.2 text with the actual 2024 final amendatory instructionConfirmed redesignation; preserved Part 1041’s printed citation and flagged the discrepancy
Published opinionsRead actual majority/disposition passages in S017–S018 and the complete S019 remand opinionNo reliance on headnotes alone; no full-opinion claim beyond recorded bounds; no docket or case-record query
Later official status searchSearched official generic publications for later rule, repeal/disapproval and published judicial developmentsDid not establish a superseding authority; did not convert that search result into an exhaustive absence claim
Withdrawn guidanceRead the complete displayed register and relevant withdrawal publicationNo withdrawn or unreviewed advisory, circular, bulletin or R010 finding used as substantive foundation
Remaining substantive gapsIdentified actual-calendar issues, current Board ceiling, atypical mixed-return sequence, later-status chronology and model pixelsEach is preserved as a specific unresolved item, not treated as “no rule”
Source links captured in this table

Captured table 15

User assignment · Claims answering it · Principal sources · 5 data rows

User assignmentClaims answering itPrincipal sourcesWorksheet/examples
1. Necessary coverage, definitions, exclusions and limited exemptions; separate underwritingC003–C005, C014–C040S001–S006, S011–S014Coverage/exclusion worksheet rows; E001–E003, E009
2. Complete two-failure prohibition, sequence, channels/accounts/loans, attribution and exclusionsC041–C055, C071S001, S004, S007–S009Transfer/sequence worksheet rows; E004–E009, E019
3. Further transfers, new authorization, immediate requests, timing/form/retention/revocation and necessary overlaysC056–C071, C095S001, S004, S010Authorization/immediate-payment worksheet rows; E010–E012
4. First/unusual/rights notices, electronic conditions, models, records and qualitative branchesC072–C098S001, S004–S005, S015–S016Notice/model tables; complete blank worksheet; E013–E018 and all 20 branches
5. Effective/compliance dates, enforcement discretion, stays/vacatur, later changes and withdrawn guidanceC001–C013S001–S003, S009, S012–S014, S016–S024E020; source register; read/failure log; currentness coverage rows

Find the assertion and its boundaries

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

How to read the research →

R011-P1-C001 Saved research record

The retrieved eCFR displayed Title 12 current through October 23, 2026, while the actual access occurred October 27. Its title-wide “last amended” date does not establish when Part 1041 itself last changed.

Recorded check status: not yet checked

Status and limits
R/U. October 23–27 currency and any publication/compilation lag remain unresolved.
Source and pinpoint
S001, eCFR header and legal-edition statement. ecfr.gov

Recorded coordinator check boundaries

coordinator review
{"identity": "delegated_coordinator_not_independent", "reviewed_at": "2026-10-29T08:39:09.642740+00:00", "disposition": "reconciled_original_attribution_or_scope_hold_not_freshly_verified", "selected_evidence_groups": [], "all_original_limits_retained": true, "new_material_correction_pending": false, "source_checks": "[internal evidence reference]"}
R011-P1-C002 Saved research record

Part 1041 rests on Title X authority; §§ 5531 and 5532 distinguish unfair/abusive-practice rulemaking from disclosure and model-form authority. The regulation, its official interpretations, an enforcement announcement, and a court holding are different kinds of authority.

Recorded check status: not yet checked

Status and limits
S/R. No individual remedy or all-law safe harbor follows merely from this authority structure.
Source and pinpoint
S001 § 1041.1; S003 §§ 5531(a)–(e), 5532(a)–(d). uscode.house.gov +2

Recorded coordinator check boundaries

coordinator review
{"identity": "delegated_coordinator_not_independent", "reviewed_at": "2026-10-29T08:39:09.642740+00:00", "disposition": "reconciled_original_attribution_or_scope_hold_not_freshly_verified", "selected_evidence_groups": [], "all_original_limits_retained": true, "new_material_correction_pending": false, "source_checks": "[internal evidence reference]"}
R011-P1-C003 Saved research record

The 2017 final rule became effective January 16, 2018, with an original general compliance date of August 19, 2019. Current § 1041.15(c) still prints that compliance date for its listed payment-related provisions.

Recorded check status: not yet checked

Status and limits
H/R. Printed dates alone do not resolve subsequent judicial stays. The obsolete registration cross-reference in § 1041.15(b) is not an active registration instruction here.
Source and pinpoint
S012 dates; S001 § 1041.15(a)–(c). govinfo.gov +1

Recorded coordinator check boundaries

coordinator review
{"identity": "delegated_coordinator_not_independent", "reviewed_at": "2026-10-29T08:39:09.642740+00:00", "disposition": "reconciled_with_selected_primary_checks_and_retained_subclaim_limits", "selected_evidence_groups": ["legal_status"], "all_original_limits_retained": true, "new_material_correction_pending": false, "source_checks": "[internal evidence reference]"}
R011-P1-C004 Saved research record

The 2019 final rule delayed specified underwriting-related provisions to November 19, 2020 and made corrections; it did not convert the payment provisions’ printed compliance date to that underwriting date.

Recorded check status: not yet checked

Status and limits
H. Effective August 16, 2019. The later 2020 revocation superseded the delayed underwriting regime.
Source and pinpoint
S013, 84 FR 27907 and 27929, amendatory instructions 2–8. govinfo.gov +1

Recorded coordinator check boundaries

coordinator review
{"identity": "delegated_coordinator_not_independent", "reviewed_at": "2026-10-29T08:39:09.642740+00:00", "disposition": "reconciled_original_attribution_or_scope_hold_not_freshly_verified", "selected_evidence_groups": [], "all_original_limits_retained": true, "new_material_correction_pending": false, "source_checks": "[internal evidence reference]"}
R011-P1-C005 Saved research record

Effective October 20, 2020, the CFPB removed/reserved the former mandatory-underwriting provisions, associated information-system provisions, specified definitions, record provisions and models A-1/A-2. It retained the payment provisions and revised the loan-agreement retention requirement.

Recorded check status: not yet checked

Status and limits
H/R. The surviving alternative-loan recurring-income documentation condition in § 1041.3(e)(3) was not erased.
Source and pinpoint
S014, 85 FR 44444–44445, instructions 1–10; S001 §§ 3(e)(3), 7–9, 12. govinfo.gov +2

Recorded coordinator check boundaries

coordinator review
{"identity": "delegated_coordinator_not_independent", "reviewed_at": "2026-10-29T08:39:09.642740+00:00", "disposition": "reconciled_original_attribution_or_scope_hold_not_freshly_verified", "selected_evidence_groups": [], "all_original_limits_retained": true, "new_material_correction_pending": false, "source_checks": "[internal evidence reference]"}
R011-P1-C006 Saved research record

Official published sources report a November 6, 2018 stay of the compliance date. The 2022 published opinion also describes litigation-stay developments. These are distinct procedural matters.

Recorded check status: not yet checked

Status and limits
H/U. The original stay orders and complete later stay/mandate chain were not read; no case-record or docket search was made. March 30, 2025 is reported from S020, not calculated from an assumed remaining-day count.
Source and pinpoint
S013, p. 27907 n.5; S017, printed p. 6. govinfo.gov +1

Recorded coordinator check boundaries

coordinator review
{"identity": "delegated_coordinator_not_independent", "reviewed_at": "2026-10-29T08:39:09.642740+00:00", "disposition": "reconciled_original_attribution_or_scope_hold_not_freshly_verified", "selected_evidence_groups": [], "all_original_limits_retained": true, "new_material_correction_pending": false, "source_checks": "[internal evidence reference]"}
R011-P1-C007 Saved research record

The Fifth Circuit’s 2022 majority rejected the reviewed statutory/APA payment-rule challenges, including arguments concerning debit/prepaid channels and different installments, but held the funding arrangement unconstitutional and vacated the rule. Its unfairness analysis did not separately decide abusiveness.

Recorded check status: not yet checked

Status and limits
H—funding holding and vacatur later reversed. The 2022 vacatur must not be described as the current disposition.
Source and pinpoint
S017, pp. 9 n.1, 12–16, 39; actual majority text. ca5.uscourts.gov +2

Recorded coordinator check boundaries

coordinator review
{"identity": "delegated_coordinator_not_independent", "reviewed_at": "2026-10-29T08:39:09.642740+00:00", "disposition": "reconciled_original_attribution_or_scope_hold_not_freshly_verified", "selected_evidence_groups": [], "all_original_limits_retained": true, "new_material_correction_pending": false, "source_checks": "[internal evidence reference]"}
R011-P1-C008 Saved research record

The Supreme Court’s May 16, 2024 majority held the CFPB’s statutory funding arrangement satisfied the Appropriations Clause and reversed and remanded.

Recorded check status: not yet checked

Status and limits
Published judicial holding. This was a funding holding, not a decision validating every payment-rule application, every lender, or every possible challenge.
Source and pinpoint
S018, 601 U.S. 420–425, 435, 441; PDF indexes 5–10, 20, 26. supremecourt.gov +2

Recorded coordinator check boundaries

coordinator review
{"identity": "delegated_coordinator_not_independent", "reviewed_at": "2026-10-29T08:39:09.642740+00:00", "disposition": "reconciled_with_selected_primary_checks_and_retained_subclaim_limits", "selected_evidence_groups": ["legal_status"], "all_original_limits_retained": true, "new_material_correction_pending": false, "source_checks": "[internal evidence reference]"}
R011-P1-C009 Saved research record

On June 19, 2024, the Fifth Circuit reinstated its judgment affirming rejection of the alternative arguments and rendered judgment consistent with the Supreme Court’s constitutional funding holding.

Recorded check status: not yet checked

Status and limits
Published judicial disposition. Full later history beyond the reviewed publications remains held.
Source and pinpoint
S019, entire two-page opinion. ca5.uscourts.gov

Recorded coordinator check boundaries

coordinator review
{"identity": "delegated_coordinator_not_independent", "reviewed_at": "2026-10-29T08:39:09.642740+00:00", "disposition": "reconciled_with_selected_primary_checks_and_retained_subclaim_limits", "selected_evidence_groups": ["legal_status"], "all_original_limits_retained": true, "new_material_correction_pending": false, "source_checks": "[internal evidence reference]"}
R011-P1-C010 Saved research record

The March 28, 2025 CFPB announcement said it would not prioritize enforcement or supervision actions concerning penalties or fines associated with the payment-withdrawal and payment-disclosure provisions once operative March 30, 2025; it also contemplated a future proposed narrowing.

Recorded check status: not yet checked

Status and limits
P. Nonprioritization is not repeal, vacatur, a stay, blanket immunity, or an adopted amendment. The contemplated proposal was not treated as operative law.
Source and pinpoint
S020, operative announcement paragraphs; S021 continued resource link. Consumer Financial Protection Bureau +1

Recorded coordinator check boundaries

coordinator review
{"identity": "delegated_coordinator_not_independent", "reviewed_at": "2026-10-29T08:39:09.642740+00:00", "disposition": "reconciled_with_selected_primary_checks_and_retained_subclaim_limits", "selected_evidence_groups": ["legal_status"], "all_original_limits_retained": true, "new_material_correction_pending": false, "source_checks": "[internal evidence reference]"}
R011-P1-C011 Saved research record

Targeted official-source searches did not establish a later final repeal, congressional disapproval, amendment, or published decision displacing the reviewed payment text.

Recorded check status: not yet checked

Status and limits
U. A failure to establish a later change is not proof none exists. The annual-CFR failure, eCFR October 23 boundary, House October 15 compilation boundary, and incomplete later litigation history prevent an exhaustive October 27 applicability certificate.
Source and pinpoint
S001, S002–S003, S017–S024; search/read log below.

Recorded coordinator check boundaries

coordinator review
{"identity": "delegated_coordinator_not_independent", "reviewed_at": "2026-10-29T08:39:09.642740+00:00", "disposition": "reconciled_original_attribution_or_scope_hold_not_freshly_verified", "selected_evidence_groups": [], "all_original_limits_retained": true, "new_material_correction_pending": false, "source_checks": "[internal evidence reference]"}
R011-P1-C012 Saved research record

The CFPB Withdrawn Guidance register and May 2025 withdrawal publication were checked. No CFPB circular, bulletin, or advisory was relied on for the substantive rules in this report.

Recorded check status: not yet checked

Status and limits
P/H. Withdrawn guidance is distinct from the regulation, statute, or published judgment. Withdrawal does not repeal those authorities.
Source and pinpoint
S022 full displayed register; S023 operative withdrawal text. Consumer Financial Protection Bureau +1

Recorded coordinator check boundaries

coordinator review
{"identity": "delegated_coordinator_not_independent", "reviewed_at": "2026-10-29T08:39:09.642740+00:00", "disposition": "reconciled_original_attribution_or_scope_hold_not_freshly_verified", "selected_evidence_groups": [], "all_original_limits_retained": true, "new_material_correction_pending": false, "source_checks": "[internal evidence reference]"}
R011-P1-C013 Saved research record

Part 1041 still prints 16 CFR 310.2(cc) for remotely created payment orders. Current FTC text places that definition at (dd); the 2024 final rule explains the redesignation, effective May 16, 2024.

Recorded check status: not yet checked

Status and limits
R/H; INF as to effect. The printed Part 1041 reference is preserved here, not silently corrected. Its broad, nonexclusive payment-transfer definition remains relevant independently; an actual instrument’s legal classification is held.
Source and pinpoint
S001 §§ 8(a)(1)(i)(D), 9(b)(2)(ii)(B)(6), comment 3(c)-2; S008 (cc)–(dd); S009 amendatory instruction 2. Consumer Financial Protection Bureau +2

Recorded coordinator check boundaries

coordinator review
{"identity": "delegated_coordinator_not_independent", "reviewed_at": "2026-10-29T08:39:09.642740+00:00", "disposition": "reconciled_original_attribution_or_scope_hold_not_freshly_verified", "selected_evidence_groups": [], "all_original_limits_retained": true, "new_material_correction_pending": false, "source_checks": "[internal evidence reference]"}
R011-P1-C014 Saved research record

“Consumer” incorporates 12 USC 5481(4): an individual, including an agent, trustee, or representative acting for an individual.

Recorded check status: not yet checked

Status and limits
S/R. No actual person or representative relationship classified.
Source and pinpoint
S001 § 2(a)(4), (b); S002 § 5481(4). uscode.house.gov +1

Recorded coordinator check boundaries

coordinator review
{"identity": "delegated_coordinator_not_independent", "reviewed_at": "2026-10-29T08:39:09.642740+00:00", "disposition": "reconciled_original_attribution_or_scope_hold_not_freshly_verified", "selected_evidence_groups": [], "all_original_limits_retained": true, "new_material_correction_pending": false, "source_checks": "[internal evidence reference]"}
R011-P1-C015 Saved research record

A lender is a person regularly extending credit primarily for personal, family or household purposes. Comment 2(a)(13)-1 imports the regularity test in Reg Z § 1026.2(a)(17)(v) and counts all such consumer loans, not only Part 1041 covered loans. The ordinary thresholds are more than 25 extensions, or more than 5 dwelling-secured extensions, in the preceding calendar year; if unmet, apply the current year. The separate high-cost-mortgage branch uses more than one qualifying extension, or one or more through a mortgage broker, in any 12 months.

Recorded check status: not yet checked

Status and limits
R/I. No lender-volume, mortgage, license, or organizational finding.
Source and pinpoint
S001 § 2(a)(13), comment 2(a)(13)-1; S005 § 1026.2(a)(17)(v). Consumer Financial Protection Bureau +1

Recorded coordinator check boundaries

coordinator review
{"identity": "delegated_coordinator_not_independent", "reviewed_at": "2026-10-29T08:39:09.642740+00:00", "disposition": "reconciled_with_selected_primary_checks_and_retained_subclaim_limits", "selected_evidence_groups": ["overlays"], "all_original_limits_retained": true, "new_material_correction_pending": false, "source_checks": "[internal evidence reference]"}
R011-P1-C016 Saved research record

“Account” incorporates Reg E § 1005.2(b), including consumer deposit/other asset accounts within that definition and qualifying prepaid accounts; a bona fide trust account is excluded by (b)(2).

Recorded check status: not yet checked

Status and limits
R/I. A card label alone does not establish a qualifying account. Detailed actual prepaid/account classification is held.
Source and pinpoint
S001 § 2(a)(1), (b); S004 § 1005.2(b) and comments. Consumer Financial Protection Bureau

Recorded coordinator check boundaries

coordinator review
{"identity": "delegated_coordinator_not_independent", "reviewed_at": "2026-10-29T08:39:09.642740+00:00", "disposition": "reconciled_original_attribution_or_scope_hold_not_freshly_verified", "selected_evidence_groups": [], "all_original_limits_retained": true, "new_material_correction_pending": false, "source_checks": "[internal evidence reference]"}
R011-P1-C017 Saved research record

“Credit” incorporates Reg Z’s right to defer payment of debt or incur debt and defer its payment. Closed-end credit is credit that is not Part 1041 open-end credit. Part 1041 adapts Reg Z’s open-end definition but does not require a right to impose a finance charge.

Recorded check status: not yet checked

Status and limits
R/I. Repeated-transaction and replenishment features still matter; labels do not decide structure.
Source and pinpoint
S001 §§ 2(a)(3), (11), (16), (b); S005 § 1026.2(a)(14), (20) and relevant comments. Consumer Financial Protection Bureau +1

Recorded coordinator check boundaries

coordinator review
{"identity": "delegated_coordinator_not_independent", "reviewed_at": "2026-10-29T08:39:09.642740+00:00", "disposition": "reconciled_original_attribution_or_scope_hold_not_freshly_verified", "selected_evidence_groups": [], "all_original_limits_retained": true, "new_material_correction_pending": false, "source_checks": "[internal evidence reference]"}
R011-P1-C018 Saved research record

Consummation occurs when the consumer becomes contractually obligated on a new loan or a modification increasing an existing loan’s amount. Applicable law determines that obligation; a preliminary financial commitment alone is insufficient.

Recorded check status: not yet checked

Status and limits
R/I. No contract formation or governing-law conclusion.
Source and pinpoint
S001 § 2(a)(5), comment 2(a)(5)-1. Consumer Financial Protection Bureau

Recorded coordinator check boundaries

coordinator review
{"identity": "delegated_coordinator_not_independent", "reviewed_at": "2026-10-29T08:39:09.642740+00:00", "disposition": "reconciled_original_attribution_or_scope_hold_not_freshly_verified", "selected_evidence_groups": [], "all_original_limits_retained": true, "new_material_correction_pending": false, "source_checks": "[internal evidence reference]"}
R011-P1-C019 Saved research record

“Affiliate” and “service provider” incorporate § 5481(1) and (26). Material assistance in offering/providing consumer financial products can qualify; the statute contains limitations for solely general business support and advertising, among others. Credit-access/service organizations can be service providers when the material-service test is met.

Recorded check status: not yet checked

Status and limits
S/R/I. Service-provider status and agency attribution require their own facts; affiliation does not automatically make every affiliate the same lender for the two-failure count.
Source and pinpoint
S001 §§ 2(a)(2), (18), comment 2(a)(18)-1; S002 § 5481(1), (26)(A)–(C). uscode.house.gov +1

Recorded coordinator check boundaries

coordinator review
{"identity": "delegated_coordinator_not_independent", "reviewed_at": "2026-10-29T08:39:09.642740+00:00", "disposition": "reconciled_original_attribution_or_scope_hold_not_freshly_verified", "selected_evidence_groups": [], "all_original_limits_retained": true, "new_material_correction_pending": false, "source_checks": "[internal evidence reference]"}
R011-P1-C020 Saved research record

Coverage requires a lender making household-purpose closed- or open-end credit that satisfies at least one § 3(b) predicate and is neither excluded under (d) nor conditionally exempt under (e) or (f).

Recorded check status: not yet checked

Status and limits
R/I. “Payday,” “title,” “pawn,” “installment,” “cash advance,” or “tribal” is not a substitute for the predicates.
Source and pinpoint
S001 § 3(a)–(b), comments 3(b)-1–2. Consumer Financial Protection Bureau

Recorded coordinator check boundaries

coordinator review
{"identity": "delegated_coordinator_not_independent", "reviewed_at": "2026-10-29T08:39:09.642740+00:00", "disposition": "reconciled_with_selected_primary_checks_and_retained_subclaim_limits", "selected_evidence_groups": ["coverage"], "all_original_limits_retained": true, "new_material_correction_pending": false, "source_checks": "[internal evidence reference]"}
R011-P1-C021 Saved research record

The short-term branch covers single-advance closed-end credit requiring substantially the entire loan within 45 days of consummation; other structures use substantially the entire advance within 45 days of that advance. “Substantially” is a facts-and-circumstances substantial-majority test. A qualifying deposit-sweep right can satisfy it even without an actual deposit. Voluntary early repayment alone does not.

Recorded check status: not yet checked

Status and limits
R/I. No invented percentage threshold. For ambiguous schedules, whether nonpayment within the period would breach the agreement under applicable law matters.
Source and pinpoint
S001 § 3(b)(1), comments 3(b)(1)-1–5. Consumer Financial Protection Bureau

Recorded coordinator check boundaries

coordinator review
{"identity": "delegated_coordinator_not_independent", "reviewed_at": "2026-10-29T08:39:09.642740+00:00", "disposition": "reconciled_with_selected_primary_checks_and_retained_subclaim_limits", "selected_evidence_groups": ["coverage"], "all_original_limits_retained": true, "new_material_correction_pending": false, "source_checks": "[internal evidence reference]"}
R011-P1-C022 Saved research record

For loans outside the short-term branch, the balloon branch includes a required substantially entire single payment more than 45 days after consummation/advance, or a required payment more than twice another payment. It also covers specified multi-advance structures whose minimums may not amortize the balance and whose final payment could exceed twice the other minimums. Scheduled principal and charges count; actual unanticipated late/default/over-limit charges and default acceleration are excluded from this comparison.

Recorded check status: not yet checked

Status and limits
R/I. This is not a calculation of any actual balloon or default balance.
Source and pinpoint
S001 § 3(b)(2)(i)–(ii), comments 3(b)(2)-1–4. Consumer Financial Protection Bureau +1

Recorded coordinator check boundaries

coordinator review
{"identity": "delegated_coordinator_not_independent", "reviewed_at": "2026-10-29T08:39:09.642740+00:00", "disposition": "reconciled_with_selected_primary_checks_and_retained_subclaim_limits", "selected_evidence_groups": ["coverage"], "all_original_limits_retained": true, "new_material_correction_pending": false, "source_checks": "[internal evidence reference]"}
R011-P1-C023 Saved research record

The residual longer-term branch requires both cost of credit exceeding 36% per annum and a leveraged payment mechanism. Closed-end cost is measured at consummation. Section 2(a)(6) incorporates Reg Z finance charges and the specified closed-/open-end calculation methods.

Recorded check status: not yet checked

Status and limits
R/I. The 36% predicate is not a usury cap and is not a prerequisite for the short-term or balloon branches. Complete APR/fee calculations remain held.
Source and pinpoint
S001 §§ 2(a)(6), 3(b)(3)(i)–(ii). Consumer Financial Protection Bureau +1

Recorded coordinator check boundaries

coordinator review
{"identity": "delegated_coordinator_not_independent", "reviewed_at": "2026-10-29T08:39:09.642740+00:00", "disposition": "reconciled_with_selected_primary_checks_and_retained_subclaim_limits", "selected_evidence_groups": ["coverage"], "all_original_limits_retained": true, "new_material_correction_pending": false, "source_checks": "[internal evidence reference]"}
R011-P1-C024 Saved research record

Open-end cost is tested at consummation and, if not then above 36%, at each billing-cycle end. A cycle with a finance charge and zero principal satisfies the cost condition. Once met, the cost condition remains met for the plan’s duration. A loan may become covered later when both cost and mechanism predicates coincide.

Recorded check status: not yet checked

Status and limits
R/I. Comment 3(b)(3)-3 illustrates compliance beginning with the next billing cycle after a cycle-end crossing; no actual cycle or date calculated.
Source and pinpoint
S001 § 3(b)(3)(i)(B), comments 3(b)(3)-1–3. Consumer Financial Protection Bureau

Recorded coordinator check boundaries

coordinator review
{"identity": "delegated_coordinator_not_independent", "reviewed_at": "2026-10-29T08:39:09.642740+00:00", "disposition": "reconciled_with_selected_primary_checks_and_retained_subclaim_limits", "selected_evidence_groups": ["coverage"], "all_original_limits_retained": true, "new_material_correction_pending": false, "source_checks": "[internal evidence reference]"}
R011-P1-C025 Saved research record

A leveraged payment mechanism is a right of the lender/service provider to pull money from the consumer’s account without further consumer action, on one occasion or repeatedly. It includes qualifying checks, EFT authority, remotely created instruments and internal setoff. A contractual right to elect future/default authorization can suffice. Consumer-controlled bank bill pay is a push; a qualifying single immediate payment request alone is excluded from this mechanism definition.

Recorded check status: not yet checked

Status and limits
R/I. The immediate-payment exclusion from the mechanism definition does not exempt an otherwise covered short-term/balloon loan.
Source and pinpoint
S001 § 3(c), comments 3(c)-1–4 and 3(b)(3)(ii)-1–2. Consumer Financial Protection Bureau

Recorded coordinator check boundaries

coordinator review
{"identity": "delegated_coordinator_not_independent", "reviewed_at": "2026-10-29T08:39:09.642740+00:00", "disposition": "reconciled_with_selected_primary_checks_and_retained_subclaim_limits", "selected_evidence_groups": ["coverage"], "all_original_limits_retained": true, "new_material_correction_pending": false, "source_checks": "[internal evidence reference]"}
R011-P1-C026 Saved research record

Purchase-money exclusion: credit solely and expressly financing the consumer’s initial purchase of a good, secured by that good, is excluded whether or not the security interest is perfected/recorded. Specified taxes and legally required licensing/registration costs can be included. A refinance of purchase credit does not qualify for this exclusion.

Recorded check status: not yet checked

Status and limits
R/I. Existing-collateral title lending is not automatically initial-purchase financing.
Source and pinpoint
S001 § 3(d)(1), comment 3(d)(1)-1. Consumer Financial Protection Bureau

Recorded coordinator check boundaries

coordinator review
{"identity": "delegated_coordinator_not_independent", "reviewed_at": "2026-10-29T08:39:09.642740+00:00", "disposition": "reconciled_with_selected_primary_checks_and_retained_subclaim_limits", "selected_evidence_groups": ["coverage"], "all_original_limits_retained": true, "new_material_correction_pending": false, "source_checks": "[internal evidence reference]"}
R011-P1-C027 Saved research record

Real-property/dwelling exclusion: credit secured by real property, or personal property used/expected to be used as a dwelling, is excluded only if the lender records or otherwise perfects the security interest within the loan term.

Recorded check status: not yet checked

Status and limits
R/I. Mere contractual security language without the specified perfection/recording condition is insufficient for this exclusion.
Source and pinpoint
S001 § 3(d)(2), comment 3(d)(2)-1. Consumer Financial Protection Bureau

Recorded coordinator check boundaries

coordinator review
{"identity": "delegated_coordinator_not_independent", "reviewed_at": "2026-10-29T08:39:09.642740+00:00", "disposition": "reconciled_with_selected_primary_checks_and_retained_subclaim_limits", "selected_evidence_groups": ["coverage"], "all_original_limits_retained": true, "new_material_correction_pending": false, "source_checks": "[internal evidence reference]"}
R011-P1-C028 Saved research record

Credit-card exclusion: a credit-card account under an open-end, not home-secured consumer credit plan as defined in Reg Z § 1026.2(a)(15)(ii) is excluded.

Recorded check status: not yet checked

Status and limits
R. Using a debit/prepaid card to repay another loan does not make that loan an excluded credit-card account.
Source and pinpoint
S001 § 3(d)(3); S005 § 1026.2(a)(15)(ii). Consumer Financial Protection Bureau +1

Recorded coordinator check boundaries

coordinator review
{"identity": "delegated_coordinator_not_independent", "reviewed_at": "2026-10-29T08:39:09.642740+00:00", "disposition": "reconciled_with_selected_primary_checks_and_retained_subclaim_limits", "selected_evidence_groups": ["coverage"], "all_original_limits_retained": true, "new_material_correction_pending": false, "source_checks": "[internal evidence reference]"}
R011-P1-C029 Saved research record

Education exclusion: qualifying HEA Title IV credit and “private education loans” under § 1026.46(b)(5) are excluded. The latter definition requires specified postsecondary educational purpose and excludes open-end and real-property/dwelling-secured credit; it also excludes certain institution-creditor arrangements, including terms of 90 days or less, or no-interest terms of one year or less.

Recorded check status: not yet checked

Status and limits
R. A student-purpose label alone is insufficient. Underlying HEA program and educational-institution facts remain held; the entire HEA was not reviewed.
Source and pinpoint
S001 § 3(d)(4); S005 § 1026.46(b)(5) and comments. Consumer Financial Protection Bureau +2

Recorded coordinator check boundaries

coordinator review
{"identity": "delegated_coordinator_not_independent", "reviewed_at": "2026-10-29T08:39:09.642740+00:00", "disposition": "reconciled_with_selected_primary_checks_and_retained_subclaim_limits", "selected_evidence_groups": ["coverage", "overlays"], "all_original_limits_retained": true, "new_material_correction_pending": false, "source_checks": "[internal evidence reference]"}
R011-P1-C030 Saved research record

Pawn exclusion: the lender must have sole physical possession and use of the property throughout the loan term, and its sole recourse must be retaining that property if not redeemed. Consumer possession/use, even limited use, defeats that condition; personal deficiency liability of the consumer, cosigner or guarantor defeats sole recourse.

Recorded check status: not yet checked

Status and limits
R/I. Pawn/title labels alone do not establish exclusion. Forfeiture and collateral law remain held.
Source and pinpoint
S001 § 3(d)(5), comment 3(d)(5)-1. Consumer Financial Protection Bureau

Recorded coordinator check boundaries

coordinator review
{"identity": "delegated_coordinator_not_independent", "reviewed_at": "2026-10-29T08:39:09.642740+00:00", "disposition": "reconciled_with_selected_primary_checks_and_retained_subclaim_limits", "selected_evidence_groups": ["coverage"], "all_original_limits_retained": true, "new_material_correction_pending": false, "source_checks": "[internal evidence reference]"}
R011-P1-C031 Saved research record

Overdraft exclusion: overdraft services defined by Reg E § 1005.17(a), and overdraft lines excluded from that definition by § 1005.17(a)(1), are excluded.

Recorded check status: not yet checked

Status and limits
R/I. This exclusion was independently read. It does not incorporate any unreviewed R010 fee analysis or establish bank-fee immunity.
Source and pinpoint
S001 § 3(d)(6), comment 3(d)(6)-1; S004 § 1005.17(a). Consumer Financial Protection Bureau +1

Recorded coordinator check boundaries

coordinator review
{"identity": "delegated_coordinator_not_independent", "reviewed_at": "2026-10-29T08:39:09.642740+00:00", "disposition": "reconciled_with_selected_primary_checks_and_retained_subclaim_limits", "selected_evidence_groups": ["coverage"], "all_original_limits_retained": true, "new_material_correction_pending": false, "source_checks": "[internal evidence reference]"}
R011-P1-C032 Saved research record

Wage-advance exclusion: credit must be advanced by an FLSA employer or its business partner to employees, only against accrued earned cash wages. Before advancement, the contract must warrant, for the advancing entity and relevant partners: no charges other than program participation; no legal/contractual remedy for nonpayment; and no collection, debt placement/sale, or consumer-reporting activity if unpaid as specified.

Recorded check status: not yet checked

Status and limits
R/I. A one-time account authorization is not itself inconsistent with the no-remedy warranty. Accrued wages depend on state-law entitlement upon separation, which is held.
Source and pinpoint
S001 § 3(d)(7)(i)–(ii)(A)–(C), comments; S011 § 203(d). Consumer Financial Protection Bureau +1

Recorded coordinator check boundaries

coordinator review
{"identity": "delegated_coordinator_not_independent", "reviewed_at": "2026-10-29T08:39:09.642740+00:00", "disposition": "reconciled_with_selected_primary_checks_and_retained_subclaim_limits", "selected_evidence_groups": ["coverage"], "all_original_limits_retained": true, "new_material_correction_pending": false, "source_checks": "[internal evidence reference]"}
R011-P1-C033 Saved research record

No-cost-advance exclusion: no charge or fee may be required for eligibility or receipt, and before advancement the contract must warrant no legal/contractual nonpayment remedy and no collection, placement/sale as debt, or consumer reporting if unpaid on the scheduled date.

Recorded check status: not yet checked

Status and limits
R/I. A one-time account authorization is permitted by the comment; “no interest” alone is not the full exclusion.
Source and pinpoint
S001 § 3(d)(8)(i)–(ii), comment 3(d)(8)-1. Consumer Financial Protection Bureau

Recorded coordinator check boundaries

coordinator review
{"identity": "delegated_coordinator_not_independent", "reviewed_at": "2026-10-29T08:39:09.642740+00:00", "disposition": "reconciled_with_selected_primary_checks_and_retained_subclaim_limits", "selected_evidence_groups": ["coverage"], "all_original_limits_retained": true, "new_material_correction_pending": false, "source_checks": "[internal evidence reference]"}
R011-P1-C034 Saved research record

Alternative-loan terms: closed-end; term one through six months; principal $200 through $1,000; at least two substantially equal payments at substantially equal intervals; complete amortization; no charges beyond the rate/application fees allowed by the cited NCUA PALs I provision.

Recorded check status: not yet checked

Status and limits
R/I. Minor cents/calendar variations can be disregarded as specified. Interest-only or front-loaded interest/fee schedules do not satisfy full-amortization conditions. The comment’s illustrative variation is not a universal percentage safe harbor.
Source and pinpoint
S001 § 3(e)(1)(i)–(v), comments 3(e)(1)(iv)-1–3 and (v)-1. Consumer Financial Protection Bureau

Recorded coordinator check boundaries

coordinator review
{"identity": "delegated_coordinator_not_independent", "reviewed_at": "2026-10-29T08:39:09.642740+00:00", "disposition": "reconciled_with_selected_primary_checks_and_retained_subclaim_limits", "selected_evidence_groups": ["coverage"], "all_original_limits_retained": true, "new_material_correction_pending": false, "source_checks": "[internal evidence reference]"}
R011-P1-C035 Saved research record

Before an alternative loan, the lender must determine from its own records that the consumer would not be indebted on more than three outstanding alternative loans from that lender within the specified consecutive 180-day period, and must have no more than one alternative loan at a time. The period runs from 180 days before consummation through consummation.

Recorded check status: not yet checked

Status and limits
R/I. This is not merely a count of origination dates. An outside consumer report is not required by this condition.
Source and pinpoint
S001 § 3(e)(2), comments 3(e)(2)-1–4. Consumer Financial Protection Bureau

Recorded coordinator check boundaries

coordinator review
{"identity": "delegated_coordinator_not_independent", "reviewed_at": "2026-10-29T08:39:09.642740+00:00", "disposition": "reconciled_with_selected_primary_checks_and_retained_subclaim_limits", "selected_evidence_groups": ["coverage"], "all_original_limits_retained": true, "new_material_correction_pending": false, "source_checks": "[internal evidence reference]"}
R011-P1-C036 Saved research record

An alternative-loan lender must maintain and follow policies for documenting proof of recurring income.

Recorded check status: not yet checked

Status and limits
R/I. This limited condition survives; it is not reinstatement of the revoked comprehensive ability-to-repay provisions.
Source and pinpoint
S001 § 3(e)(3), comment 3(e)(3)-1; S014. Consumer Financial Protection Bureau

Recorded coordinator check boundaries

coordinator review
{"identity": "delegated_coordinator_not_independent", "reviewed_at": "2026-10-29T08:39:09.642740+00:00", "disposition": "reconciled_with_selected_primary_checks_and_retained_subclaim_limits", "selected_evidence_groups": ["coverage"], "all_original_limits_retained": true, "new_material_correction_pending": false, "source_checks": "[internal evidence reference]"}
R011-P1-C037 Saved research record

A federal credit-union loan complying with § 701.21(c)(7)(iii), PALs I, receives the § 3(e)(4) safe harbor. Its conditions include the relevant amount/term/amortization limits, borrowing limits, membership period, restricted rollovers, actual-cost application fee capped at $20, lending-policy/aggregate limits, and the rate formula tied to the current Board ceiling.

Recorded check status: not yet checked

Status and limits
R/I, partial rate verification. This is not a blanket credit-union or PALs II exemption. The rate formula is 1,000 basis points above the applicable general ceiling; that current ceiling was not independently established. Other-law permissibility remains necessary.
Source and pinpoint
S001 § 3(e)(4), comment 3(e)-1; S006 § 701.21(c)(7)(iii). Consumer Financial Protection Bureau +1

Recorded coordinator check boundaries

coordinator review
{"identity": "delegated_coordinator_not_independent", "reviewed_at": "2026-10-29T08:39:09.642740+00:00", "disposition": "reconciled_with_selected_primary_checks_and_retained_subclaim_limits", "selected_evidence_groups": ["coverage"], "all_original_limits_retained": true, "new_material_correction_pending": false, "source_checks": "[internal evidence reference]"}
R011-P1-C038 Saved research record

Accommodation exemption: at consummation, lender and affiliates together must have made no more than 2,500 covered loans in both the current and preceding calendar years, plus satisfy the 10% receipts test for the latest completed operating tax year, or the specified reasonable current-year forecast for a new lender. Specified covered longer-term loans whose transfers all meet § 8(a)(1)(ii), and their receipts, are excluded from these calculations.

Recorded check status: not yet checked

Status and limits
R/I. Forecasts must reasonably account for known substantial changes. Actual affiliate aggregation, counts and receipts are held.
Source and pinpoint
S001 § 3(f)(1)–(3), comments 3(f)-1–2. Consumer Financial Protection Bureau

Recorded coordinator check boundaries

coordinator review
{"identity": "delegated_coordinator_not_independent", "reviewed_at": "2026-10-29T08:39:09.642740+00:00", "disposition": "reconciled_with_selected_primary_checks_and_retained_subclaim_limits", "selected_evidence_groups": ["coverage"], "all_original_limits_retained": true, "new_material_correction_pending": false, "source_checks": "[internal evidence reference]"}
R011-P1-C039 Saved research record

For accommodation lending, receipts are defined using total income—or sole-proprietor gross income—plus cost of goods sold. Specified capital gains/losses, pass-through taxes and amounts collected for another are excluded; earned fees and listed business costs are not generally deducted. “Tax year” uses the stated annual-accounting-period meaning.

Recorded check status: not yet checked

Status and limits
R. No tax return, receipts calculation, tax advice, or IRS form audit performed.
Source and pinpoint
S001 § 3(g)–(h). Consumer Financial Protection Bureau

Recorded coordinator check boundaries

coordinator review
{"identity": "delegated_coordinator_not_independent", "reviewed_at": "2026-10-29T08:39:09.642740+00:00", "disposition": "reconciled_with_selected_primary_checks_and_retained_subclaim_limits", "selected_evidence_groups": ["coverage"], "all_original_limits_retained": true, "new_material_correction_pending": false, "source_checks": "[internal evidence reference]"}
R011-P1-C040 Saved research record

None of these generic definitions establishes coverage, exclusion, exemption, sovereign authority, or enforceability for any actual payday/title/pawn/installment/tribal/advance arrangement.

Recorded check status: not yet checked

Status and limits
U/INF. Actual classification and all held state, tribal, country and contract questions remain open.
Source and pinpoint
S001 §§ 2–3; particularly comment 3(e)-1 preserving other applicable law. Consumer Financial Protection Bureau

Recorded coordinator check boundaries

coordinator review
{"identity": "delegated_coordinator_not_independent", "reviewed_at": "2026-10-29T08:39:09.642740+00:00", "disposition": "reconciled_original_attribution_or_scope_hold_not_freshly_verified", "selected_evidence_groups": [], "all_original_limits_retained": true, "new_material_correction_pending": false, "source_checks": "[internal evidence reference]"}
R011-P1-C041 Saved research record

A payment transfer is a lender-initiated debit/withdrawal from a consumer account to collect an amount due or purportedly due on a covered loan. Agent-initiated withdrawals count. Scheduled payments, partial amounts, acceleration amounts and fees can qualify; a disputed or legally unowed amount can still be a payment transfer.

Recorded check status: not yet checked

Status and limits
R/I. Calling the amount disputed does not remove the transfer from the rule; the debt’s validity itself is held.
Source and pinpoint
S001 § 8(a)(1), comments 8(a)(1)-1–3. Consumer Financial Protection Bureau

Recorded coordinator check boundaries

coordinator review
{"identity": "delegated_coordinator_not_independent", "reviewed_at": "2026-10-29T08:39:09.642740+00:00", "disposition": "reconciled_with_selected_primary_checks_and_retained_subclaim_limits", "selected_evidence_groups": ["counting"], "all_original_limits_retained": true, "new_material_correction_pending": false, "source_checks": "[internal evidence reference]"}
R011-P1-C042 Saved research record

The definition is method-neutral and nonexclusive: EFTs, debit/prepaid-card transfers, signature checks processed through check or ACH networks, remotely created checks/orders, and qualifying internal transfers, sweeps and setoff can count. A paper-check transaction need not be a Reg E EFT to be a Part 1041 payment transfer.

Recorded check status: not yet checked

Status and limits
R/I. The FTC cross-reference mismatch in C013 remains flagged.
Source and pinpoint
S001 § 8(a)(1)(i)(A)–(E), comments; S004 § 1005.3(b); S007–S009. Consumer Financial Protection Bureau +2

Recorded coordinator check boundaries

coordinator review
{"identity": "delegated_coordinator_not_independent", "reviewed_at": "2026-10-29T08:39:09.642740+00:00", "disposition": "reconciled_with_selected_primary_checks_and_retained_subclaim_limits", "selected_evidence_groups": ["counting"], "all_original_limits_retained": true, "new_material_correction_pending": false, "source_checks": "[internal evidence reference]"}
R011-P1-C043 Saved research record

Consumer cash payment, consumer bank online/mobile bill payment, and repayment pursuant to a valid account-garnishment court order are examples the interpretation does not treat as lender-initiated payment transfers.

Recorded check status: not yet checked

Status and limits
I. This does not decide a garnishment order’s validity or authorize litigation/collection action.
Source and pinpoint
S001 comment 8(a)(1)-4. Consumer Financial Protection Bureau

Recorded coordinator check boundaries

coordinator review
{"identity": "delegated_coordinator_not_independent", "reviewed_at": "2026-10-29T08:39:09.642740+00:00", "disposition": "reconciled_with_selected_primary_checks_and_retained_subclaim_limits", "selected_evidence_groups": ["counting"], "all_original_limits_retained": true, "new_material_correction_pending": false, "source_checks": "[internal evidence reference]"}
R011-P1-C044 Saved research record

An account-holding lender’s transfer is excluded only when both contractual protections were effective when the loan was made and remain through its duration: no insufficient-funds-related charge other than a legally permitted loan late fee; and no account closure in response to the negative balance caused by the covered-loan transfer.

Recorded check status: not yet checked

Status and limits
R/I. A discretionary fee waiver is insufficient. Closure for a different specified reason may remain possible. This is a transfer exclusion, not a blanket loan exemption; excluded transfers are outside §§ 7–9 for that transaction.
Source and pinpoint
S001 § 8(a)(1)(ii)(A)–(B), all accompanying comments. Consumer Financial Protection Bureau

Recorded coordinator check boundaries

coordinator review
{"identity": "delegated_coordinator_not_independent", "reviewed_at": "2026-10-29T08:39:09.642740+00:00", "disposition": "reconciled_with_selected_primary_checks_and_retained_subclaim_limits", "selected_evidence_groups": ["counting"], "all_original_limits_retained": true, "new_material_correction_pending": false, "source_checks": "[internal evidence reference]"}
R011-P1-C045 Saved research record

Section 7 identifies the specified further-withdrawal practice as unfair and abusive; comment 7-1 states that compliance with § 8 means the lender has not committed that identified practice for the covered loan.

Recorded check status: not yet checked

Status and limits
R/I. The statement is not an all-law safe harbor or license validation.
Source and pinpoint
S001 § 7 and Supplement I comment 7-1; S016 p. 1054/index 25. Consumer Financial Protection Bureau +1

Recorded coordinator check boundaries

coordinator review
{"identity": "delegated_coordinator_not_independent", "reviewed_at": "2026-10-29T08:39:09.642740+00:00", "disposition": "reconciled_with_selected_primary_checks_and_retained_subclaim_limits", "selected_evidence_groups": ["counting"], "all_original_limits_retained": true, "new_material_correction_pending": false, "source_checks": "[internal evidence reference]"}
R011-P1-C046 Saved research record

After two consecutive qualifying failures, the lender must not initiate further payment transfers from that account for covered loans the consumer has with that lender, absent an applicable exception. The failures can involve different covered loans; old contractual authorization or a postdated check does not itself remove the bar.

Recorded check status: not yet checked

Status and limits
R/I. Affiliation alone is not an instruction to pool every lender’s counts. Actual lender/agent identity relationships remain held.
Source and pinpoint
S001 § 8(b)(1), comments 8(b)-1–4. Consumer Financial Protection Bureau +1

Recorded coordinator check boundaries

coordinator review
{"identity": "delegated_coordinator_not_independent", "reviewed_at": "2026-10-29T08:39:09.642740+00:00", "disposition": "reconciled_with_selected_primary_checks_and_retained_subclaim_limits", "selected_evidence_groups": ["counting"], "all_original_limits_retained": true, "new_material_correction_pending": false, "source_checks": "[internal evidence reference]"}
R011-P1-C047 Saved research record

Ordinarily, a qualifying failure is a return unpaid or decline because of insufficient funds. A return for another reason, such as an incorrectly entered account number, is not a failed transfer for this prohibition.

Recorded check status: not yet checked

Status and limits
R/I. A “returned” label alone is insufficient; the reason matters. No actual return code was queried or classified.
Source and pinpoint
S001 § 8(b)(1), comments 8(b)(1)-1 and -3. Consumer Financial Protection Bureau

Recorded coordinator check boundaries

coordinator review
{"identity": "delegated_coordinator_not_independent", "reviewed_at": "2026-10-29T08:39:09.642740+00:00", "disposition": "reconciled_with_selected_primary_checks_and_retained_subclaim_limits", "selected_evidence_groups": ["counting"], "all_original_limits_retained": true, "new_material_correction_pending": false, "source_checks": "[internal evidence reference]"}
R011-P1-C048 Saved research record

For a nonexcluded transfer by the account-holding lender, an amount exceeding available funds is a failed transfer even if internally coded differently or fully paid through overdraft. Merely observing insufficient funds and deferring the debit is not an initiated failed transfer.

Recorded check status: not yet checked

Status and limits
R/I. Apply the account-holding exclusion first; no universal “paid means successful” assumption.
Source and pinpoint
S001 § 8(b)(1), comment 8(b)(1)-4. Consumer Financial Protection Bureau

Recorded coordinator check boundaries

coordinator review
{"identity": "delegated_coordinator_not_independent", "reviewed_at": "2026-10-29T08:39:09.642740+00:00", "disposition": "reconciled_with_selected_primary_checks_and_retained_subclaim_limits", "selected_evidence_groups": ["counting"], "all_original_limits_retained": true, "new_material_correction_pending": false, "source_checks": "[internal evidence reference]"}
R011-P1-C049 Saved research record

A qualifying failure is a first failure when no other relevant transfer has been initiated from the account, when the immediately preceding transfer was successful, or when it is the first failure following a valid § 8(c) authorization.

Recorded check status: not yet checked

Status and limits
R. These are the actual listed branches; no generic reset based on elapsed time is supplied.
Source and pinpoint
S001 § 8(b)(2)(i)(A)–(C). Consumer Financial Protection Bureau

Recorded coordinator check boundaries

coordinator review
{"identity": "delegated_coordinator_not_independent", "reviewed_at": "2026-10-29T08:39:09.642740+00:00", "disposition": "reconciled_with_selected_primary_checks_and_retained_subclaim_limits", "selected_evidence_groups": ["counting"], "all_original_limits_retained": true, "new_material_correction_pending": false, "source_checks": "[internal evidence reference]"}
R011-P1-C050 Saved research record

A qualifying failure is the second consecutive failure when the immediately preceding transfer was a first failed transfer. Transfers initiated simultaneously or on the same day can supply the sequence. Different channels do not prevent counting.

Recorded check status: not yet checked

Status and limits
R/I. Splitting an attempted collection does not necessarily create separate fresh counting periods.
Source and pinpoint
S001 § 8(b)(2)(ii)–(iii), comments 8(b)(2)(ii)-1–2 and 8(b)(2)(iii)-1. Consumer Financial Protection Bureau +1

Recorded coordinator check boundaries

coordinator review
{"identity": "delegated_coordinator_not_independent", "reviewed_at": "2026-10-29T08:39:09.642740+00:00", "disposition": "reconciled_with_selected_primary_checks_and_retained_subclaim_limits", "selected_evidence_groups": ["counting"], "all_original_limits_retained": true, "new_material_correction_pending": false, "source_checks": "[internal evidence reference]"}
R011-P1-C051 Saved research record

The prohibition attaches when the lender or its agent receives the second qualifying return. For the account-holding lender’s applicable transfer, it attaches on initiation of the second qualifying failed transfer.

Recorded check status: not yet checked

Status and limits
I. Internal lender knowledge cannot automatically be postponed beyond processor/agent receipt.
Source and pinpoint
S001 comment 8(b)(1)-2. Consumer Financial Protection Bureau

Recorded coordinator check boundaries

coordinator review
{"identity": "delegated_coordinator_not_independent", "reviewed_at": "2026-10-29T08:39:09.642740+00:00", "disposition": "reconciled_with_selected_primary_checks_and_retained_subclaim_limits", "selected_evidence_groups": ["counting"], "all_original_limits_retained": true, "new_material_correction_pending": false, "source_checks": "[internal evidence reference]"}
R011-P1-C052 Saved research record

Before the bar, a successful payment transfer supplies the stated reset branch; a cash payment does not because it is not a payment transfer. After the bar, a § 8(d) immediate payment leaves the consecutive-failure count at two whether it succeeds or fails.

Recorded check status: not yet checked

Status and limits
I. Successful voluntary payment under (d) does not revive the old recurring authority.
Source and pinpoint
S001 comments 8(b)(2)(i)-1 and 8(b)(2)(ii)-3. Consumer Financial Protection Bureau +1

Recorded coordinator check boundaries

coordinator review
{"identity": "delegated_coordinator_not_independent", "reviewed_at": "2026-10-29T08:39:09.642740+00:00", "disposition": "reconciled_with_selected_primary_checks_and_retained_subclaim_limits", "selected_evidence_groups": ["counting"], "all_original_limits_retained": true, "new_material_correction_pending": false, "source_checks": "[internal evidence reference]"}
R011-P1-C053 Saved research record

The specific bar concerns the affected account. The commentary also distinguishes a bona fide subsequent new loan originated after the bar from a refinance/rollover of a covered loan already subject to it.

Recorded check status: not yet checked

Status and limits
I. Another account is not automatically prohibited by this particular count, but independent authority and anti-evasion rules still matter. Relabeling/refinancing the existing loan is not the bona fide-new-loan exception.
Source and pinpoint
S001 comments 8(b)-1–4. Consumer Financial Protection Bureau

Recorded coordinator check boundaries

coordinator review
{"identity": "delegated_coordinator_not_independent", "reviewed_at": "2026-10-29T08:39:09.642740+00:00", "disposition": "reconciled_with_selected_primary_checks_and_retained_subclaim_limits", "selected_evidence_groups": ["counting"], "all_original_limits_retained": true, "new_material_correction_pending": false, "source_checks": "[internal evidence reference]"}
R011-P1-C054 Saved research record

The two-failure restriction regulates collection transfers; it does not itself discharge the debt, validate a license/contract, cancel every possible bank fee, or forbid consumer cash/bank-push payments and properly qualifying (c)/(d) transfers.

Recorded check status: not yet checked

Status and limits
INF, supported by the rule’s defined scope and express exceptions. Other laws may separately govern those subjects; they are held.
Source and pinpoint
S001 §§ 8(a)–(d), 2(a)(17); C041–C053, C056–C067. Consumer Financial Protection Bureau +2

Recorded coordinator check boundaries

coordinator review
{"identity": "delegated_coordinator_not_independent", "reviewed_at": "2026-10-29T08:39:09.642740+00:00", "disposition": "reconciled_with_selected_primary_checks_and_retained_subclaim_limits", "selected_evidence_groups": ["counting"], "all_original_limits_retained": true, "new_material_correction_pending": false, "source_checks": "[internal evidence reference]"}
R011-P1-C055 Saved research record

A non-NSF return is not itself one of the two qualifying failures. However, the text’s separate “immediately preceding successful transfer” language should not be replaced with an assumption that every non-NSF return was successful.

Recorded check status: not yet checked

Status and limits
U for atypical longer mixed sequences. Exact treatment beyond the expressly read branches remains unresolved where an intervening unsuccessful non-NSF return complicates later counting.
Source and pinpoint
S001 § 8(b)(2)(i)–(ii), comments 8(b)(1)-3 and 8(b)(2)(i)-1. Consumer Financial Protection Bureau

Recorded coordinator check boundaries

coordinator review
{"identity": "delegated_coordinator_not_independent", "reviewed_at": "2026-10-29T08:39:09.642740+00:00", "disposition": "reconciled_with_selected_primary_checks_and_retained_subclaim_limits", "selected_evidence_groups": ["counting"], "all_original_limits_retained": true, "new_material_correction_pending": false, "source_checks": "[internal evidence reference]"}
R011-P1-C056 Saved research record

Section 8(c) authorization is additional to, not a replacement for, any underlying payment authorization or instrument required by other applicable law.

Recorded check status: not yet checked

Status and limits
I. Generic original contract language is not automatically the new rule-specific authorization.
Source and pinpoint
S001 § 8(c)(1), comment 8(c)(1)-1. Consumer Financial Protection Bureau

Recorded coordinator check boundaries

coordinator review
{"identity": "delegated_coordinator_not_independent", "reviewed_at": "2026-10-29T08:39:09.642740+00:00", "disposition": "reconciled_with_selected_primary_checks_and_retained_subclaim_limits", "selected_evidence_groups": ["authorization"], "all_original_limits_retained": true, "new_material_correction_pending": false, "source_checks": "[internal evidence reference]"}
R011-P1-C057 Saved research record

Ordinarily, each additional transfer must be authorized by specific month/day/year, amount and payment channel. An amount equal to or below the authorized amount satisfies the amount condition; a larger amount does not.

Recorded check status: not yet checked

Status and limits
R/I. The date/channel and all other conditions still apply; reduced amount alone is insufficient.
Source and pinpoint
S001 § 8(c)(2)(i), comments 8(c)(2)(i)-1–4. Consumer Financial Protection Bureau

Recorded coordinator check boundaries

coordinator review
{"identity": "delegated_coordinator_not_independent", "reviewed_at": "2026-10-29T08:39:09.642740+00:00", "disposition": "reconciled_with_selected_primary_checks_and_retained_subclaim_limits", "selected_evidence_groups": ["authorization"], "all_original_limits_retained": true, "new_material_correction_pending": false, "source_checks": "[internal evidence reference]"}
R011-P1-C058 Saved research record

A § 8(c)-authorized transfer returned for NSF may be reinitiated on or after its authorized date only if that return has not again triggered the prohibition.

Recorded check status: not yet checked

Status and limits
R. This is a limited date exception, not unlimited retries.
Source and pinpoint
S001 § 8(c)(2)(ii). Consumer Financial Protection Bureau

Recorded coordinator check boundaries

coordinator review
{"identity": "delegated_coordinator_not_independent", "reviewed_at": "2026-10-29T08:39:09.642740+00:00", "disposition": "reconciled_with_selected_primary_checks_and_retained_subclaim_limits", "selected_evidence_groups": ["authorization"], "all_original_limits_retained": true, "new_material_correction_pending": false, "source_checks": "[internal evidence reference]"}
R011-P1-C059 Saved research record

A transfer solely collecting a late or returned-item fee can omit a specific date/amount only if advance authorization clearly states that purpose, the highest possible fee amount, and the channel. Varying-fee factors must be assumed at their maximum for that disclosure.

Recorded check status: not yet checked

Status and limits
R/I. This exception does not establish that the fee itself is lawful.
Source and pinpoint
S001 § 8(c)(2)(iii), comments 8(c)(2)(iii)-1–3. Consumer Financial Protection Bureau

Recorded coordinator check boundaries

coordinator review
{"identity": "delegated_coordinator_not_independent", "reviewed_at": "2026-10-29T08:39:09.642740+00:00", "disposition": "reconciled_with_selected_primary_checks_and_retained_subclaim_limits", "selected_evidence_groups": ["authorization"], "all_original_limits_retained": true, "new_material_correction_pending": false, "source_checks": "[internal evidence reference]"}
R011-P1-C060 Saved research record

The lender may request the new authorization no earlier than the date it provides the consumer-rights notice. The request must contain the specific terms and applicable fee statement. Alternative offers and follow-up requests are not categorically forbidden.

Recorded check status: not yet checked

Status and limits
R/I. Request timing differs from the later receipt-based condition for obtaining agreement.
Source and pinpoint
S001 § 8(c)(3)(ii), comments 8(c)(3)(ii)-1–2. Consumer Financial Protection Bureau

Recorded coordinator check boundaries

coordinator review
{"identity": "delegated_coordinator_not_independent", "reviewed_at": "2026-10-29T08:39:09.642740+00:00", "disposition": "reconciled_with_selected_primary_checks_and_retained_subclaim_limits", "selected_evidence_groups": ["authorization"], "all_original_limits_retained": true, "new_material_correction_pending": false, "source_checks": "[internal evidence reference]"}
R011-P1-C061 Saved research record

Request terms may be given in writing by mail/in person, or retainable email with qualifying § 9 consent or agreement during a consumer-initiated response to the rights notice. Oral telephone delivery of the required terms requires the consumer to initiate that responsive call and agree during it. Rights notice and request may share a communication if properly segregated.

Recorded check status: not yet checked

Status and limits
R/I. An outbound lender call may discuss options but does not satisfy the special oral-delivery branch. Electronic provision of request terms is distinguished from electronic signing.
Source and pinpoint
S001 § 8(c)(3)(ii)(A)–(B), all accompanying comments. Consumer Financial Protection Bureau +1

Recorded coordinator check boundaries

coordinator review
{"identity": "delegated_coordinator_not_independent", "reviewed_at": "2026-10-29T08:39:09.642740+00:00", "disposition": "reconciled_with_selected_primary_checks_and_retained_subclaim_limits", "selected_evidence_groups": ["authorization"], "all_original_limits_retained": true, "new_material_correction_pending": false, "source_checks": "[internal evidence reference]"}
R011-P1-C062 Saved research record

The authorization must be signed or otherwise agreed to in writing/electronically in retainable form and obtained no earlier than the consumer’s receipt of the rights notice. In-person/electronic receipt is when provided; mailed receipt is the earlier of the third business day after mailing or an affirmative response to that mailed notice.

Recorded check status: not yet checked

Status and limits
R/I. Mailing the request and notice together does not by itself permit obtaining agreement before deemed/actual responsive receipt.
Source and pinpoint
S001 § 8(c)(3)(iii)(A), comments -1–2. Consumer Financial Protection Bureau

Recorded coordinator check boundaries

coordinator review
{"identity": "delegated_coordinator_not_independent", "reviewed_at": "2026-10-29T08:39:09.642740+00:00", "disposition": "reconciled_with_selected_primary_checks_and_retained_subclaim_limits", "selected_evidence_groups": ["authorization"], "all_original_limits_retained": true, "new_material_correction_pending": false, "source_checks": "[internal evidence reference]"}
R011-P1-C063 Saved research record

Electronic agreement must meet the referenced E-SIGN electronic-record/signature requirements. If authorization is granted during an oral telephone communication, the lender must record the call and retain it.

Recorded check status: not yet checked

Status and limits
R/I. A telephone conversation is not automatically a legally sufficient underlying recurring-EFT authorization under Reg E.
Source and pinpoint
S001 § 8(c)(3)(iii)(A)–(B); S010 §§ 7001(a)–(b), 7006(4), (5), (9). Consumer Financial Protection Bureau +2

Recorded coordinator check boundaries

coordinator review
{"identity": "delegated_coordinator_not_independent", "reviewed_at": "2026-10-29T08:39:09.642740+00:00", "disposition": "reconciled_with_selected_primary_checks_and_retained_subclaim_limits", "selected_evidence_groups": ["authorization"], "all_original_limits_retained": true, "new_material_correction_pending": false, "source_checks": "[internal evidence reference]"}
R011-P1-C064 Saved research record

If the agreement is telephonic or otherwise not immediately retainable, the lender must provide retainable memorialization by the first authorized transfer’s initiation date. Mailing/transmission supplies the provision date; a copy of the audio recording alone is insufficient. Email must meet the specified request-email conditions.

Recorded check status: not yet checked

Status and limits
R/I. Actual delivery method, content and timing remain unknown.
Source and pinpoint
S001 § 8(c)(3)(iii)(C), comments -1–3. Consumer Financial Protection Bureau

Recorded coordinator check boundaries

coordinator review
{"identity": "delegated_coordinator_not_independent", "reviewed_at": "2026-10-29T08:39:09.642740+00:00", "disposition": "reconciled_with_selected_primary_checks_and_retained_subclaim_limits", "selected_evidence_groups": ["authorization"], "all_original_limits_retained": true, "new_material_correction_pending": false, "source_checks": "[internal evidence reference]"}
R011-P1-C065 Saved research record

A § 8(c) authorization becomes void for that exception when a new § 8(c) authorization is obtained or when two consecutive transfers under it fail.

Recorded check status: not yet checked

Status and limits
R. No separate comprehensive Part 1041 payment-authorization revocation procedure is invented here. Underlying Reg E rights and § 9 electronic-notice consent revocation are distinct.
Source and pinpoint
S001 § 8(c)(4)(i)–(ii); S004 § 1005.10(c); S001 § 9(a)(4)(ii). Consumer Financial Protection Bureau

Recorded coordinator check boundaries

coordinator review
{"identity": "delegated_coordinator_not_independent", "reviewed_at": "2026-10-29T08:39:09.642740+00:00", "disposition": "reconciled_with_selected_primary_checks_and_retained_subclaim_limits", "selected_evidence_groups": ["authorization"], "all_original_limits_retained": true, "new_material_correction_pending": false, "source_checks": "[internal evidence reference]"}
R011-P1-C066 Saved research record

A “single immediate payment transfer” is a one-time EFT initiated within one business day after authorization, or the consumer’s signature check processed through check/ACH within one business day after provision. Initiation occurs when the lender/agent sends the transfer beyond its control; an internal handoff alone is insufficient. A mailed check is provided when received.

Recorded check status: not yet checked

Status and limits
R/I. No actual calendar computation made.
Source and pinpoint
S001 § 8(a)(2)(i)–(ii), comments 8(a)(2)(i)-1 and (ii)-1–2. Consumer Financial Protection Bureau +1

Recorded coordinator check boundaries

coordinator review
{"identity": "delegated_coordinator_not_independent", "reviewed_at": "2026-10-29T08:39:09.642740+00:00", "disposition": "reconciled_with_selected_primary_checks_and_retained_subclaim_limits", "selected_evidence_groups": ["authorization"], "all_original_limits_retained": true, "new_material_correction_pending": false, "source_checks": "[internal evidence reference]"}
R011-P1-C067 Saved research record

After the bar, § 8(d) permits that immediate transfer if its underlying one-time authorization/check is obtained no earlier than the rights-notice provision date or the consumer’s affirmative contact about repayment, whichever is earlier. Each request supports one attempt only; another attempt requires a fresh qualifying (c) or (d) basis.

Recorded check status: not yet checked

Status and limits
R/I. Separate qualifying requests can occur repeatedly, but success does not reset the barred count. The rights-notice duty remains.
Source and pinpoint
S001 § 8(d)(1)–(2), comments 8(d)-1–3 and 8(b)(2)(ii)-3. Consumer Financial Protection Bureau

Recorded coordinator check boundaries

coordinator review
{"identity": "delegated_coordinator_not_independent", "reviewed_at": "2026-10-29T08:39:09.642740+00:00", "disposition": "reconciled_with_selected_primary_checks_and_retained_subclaim_limits", "selected_evidence_groups": ["authorization"], "all_original_limits_retained": true, "new_material_correction_pending": false, "source_checks": "[internal evidence reference]"}
R011-P1-C068 Saved research record

For recurring preauthorized EFTs within Reg E, § 1005.10(b) requires written/similarly authenticated consumer authorization and a copy. Check conversion and returned-item-fee EFTs have their own § 1005.3(b)(2)–(3) authorization/notice predicates.

Recorded check status: not yet checked

Status and limits
R/I, bounded overlay. Part 1041 compliance does not establish those separate predicates. No full Reg E fee or electronic-transfer audit is supplied.
Source and pinpoint
S004 §§ 1005.2(k), 1005.3(b)(2)–(3), 1005.10(b). Consumer Financial Protection Bureau +1

Recorded coordinator check boundaries

coordinator review
{"identity": "delegated_coordinator_not_independent", "reviewed_at": "2026-10-29T08:39:09.642740+00:00", "disposition": "reconciled_original_attribution_or_scope_hold_not_freshly_verified", "selected_evidence_groups": [], "all_original_limits_retained": true, "new_material_correction_pending": false, "source_checks": "[internal evidence reference]"}
R011-P1-C069 Saved research record

Reg E permits stopping a scheduled preauthorized EFT through oral/written notice to the account institution at least three business days before it. The institution may require written confirmation within 14 days, subject to the contemporaneous instruction/address conditions. The official interpretation separately addresses notice of revoked authorization and blocking future debits.

Recorded check status: not yet checked

Status and limits
R/I. These are separate rights and predicates, not a conclusion about any actual bank’s duties, deadline or liability.
Source and pinpoint
S004 § 1005.10(c)(1)–(2), comments 10(c)-1–3. Consumer Financial Protection Bureau

Recorded coordinator check boundaries

coordinator review
{"identity": "delegated_coordinator_not_independent", "reviewed_at": "2026-10-29T08:39:09.642740+00:00", "disposition": "reconciled_with_selected_primary_checks_and_retained_subclaim_limits", "selected_evidence_groups": ["overlays"], "all_original_limits_retained": true, "new_material_correction_pending": false, "source_checks": "[internal evidence reference]"}
R011-P1-C070 Saved research record

Reg E’s varying-amount preauthorized-EFT notice generally uses 10 days before transfer, subject to its informed range/difference option and stated exceptions. Section 1005.10(e)(1) also restricts conditioning credit on repayment by recurring preauthorized EFT, with specified exceptions.

Recorded check status: not yet checked

Status and limits
R/I. Part 1041’s notice periods do not automatically satisfy these separate rules. This is not a comprehensive Reg E/Reg Z review.
Source and pinpoint
S004 § 1005.10(d), (e)(1) and comments. Consumer Financial Protection Bureau +1

Recorded coordinator check boundaries

coordinator review
{"identity": "delegated_coordinator_not_independent", "reviewed_at": "2026-10-29T08:39:09.642740+00:00", "disposition": "reconciled_with_selected_primary_checks_and_retained_subclaim_limits", "selected_evidence_groups": ["overlays"], "all_original_limits_retained": true, "new_material_correction_pending": false, "source_checks": "[internal evidence reference]"}
R011-P1-C071 Saved research record

Sections 8(e) and 13 prohibit intentional evasion. Substance and circumstances control over labels; knowing or reckless conduct can qualify, and fraud is not a prerequisite. Conduct solely for legitimate business purposes is distinguished.

Recorded check status: not yet checked

Status and limits
R/I. No actual intent finding. Test transfers or splitting arrangements require facts; the official illustration is not a per se conclusion about every small transfer.
Source and pinpoint
S001 § 8(e), comments 8(e)-1–2; § 13 and comment. Consumer Financial Protection Bureau

Recorded coordinator check boundaries

coordinator review
{"identity": "delegated_coordinator_not_independent", "reviewed_at": "2026-10-29T08:39:09.642740+00:00", "disposition": "reconciled_with_selected_primary_checks_and_retained_subclaim_limits", "selected_evidence_groups": ["authorization"], "all_original_limits_retained": true, "new_material_correction_pending": false, "source_checks": "[internal evidence reference]"}
R011-P1-C072 Saved research record

Notices must be clear/conspicuous, understandable and noticeable, and viewable on paper or screen. Oral or recorded notices do not satisfy § 9. They must be retainable, except the short notices delivered by text/app; short email notices remain retainable.

Recorded check status: not yet checked

Status and limits
R/I. The exception does not excuse retention capability for the full electronic notice.
Source and pinpoint
S001 § 9(a)(1)–(3), comments. Consumer Financial Protection Bureau

Recorded coordinator check boundaries

coordinator review
{"identity": "delegated_coordinator_not_independent", "reviewed_at": "2026-10-29T08:39:09.642740+00:00", "disposition": "reconciled_with_selected_primary_checks_and_retained_subclaim_limits", "selected_evidence_groups": ["notices"], "all_original_limits_retained": true, "new_material_correction_pending": false, "source_checks": "[internal evidence reference]"}
R011-P1-C073 Saved research record

Electronic delivery requires affirmative written/electronic consent to each particular method. The consumer must separately be offered email; email alone may be the offered electronic method.

Recorded check status: not yet checked

Status and limits
R/I. Generic electronic contracting or consent to one channel does not automatically establish consent to another. Section 9 uses its own consent framework without E-SIGN delivery formalities.
Source and pinpoint
S001 § 9(a)(4)(i)(A)–(B), comments 9(a)(2)-1 and 9(a)(4)(i)-1. Consumer Financial Protection Bureau

Recorded coordinator check boundaries

coordinator review
{"identity": "delegated_coordinator_not_independent", "reviewed_at": "2026-10-29T08:39:09.642740+00:00", "disposition": "reconciled_with_selected_primary_checks_and_retained_subclaim_limits", "selected_evidence_groups": ["notices"], "all_original_limits_retained": true, "new_material_correction_pending": false, "source_checks": "[internal evidence reference]"}
R011-P1-C074 Saved research record

A method can no longer be used after consent is revoked by any reasonable means or the lender receives information that the consumer cannot receive/access notices through it. Another separately consented method may remain available.

Recorded check status: not yet checked

Status and limits
R/I. After a timely notice already provided, the specified commentary permits the currently disclosed payment to proceed; future unusual notices require alternate delivery. Notice-consent loss is distinct from payment-authorization revocation.
Source and pinpoint
S001 § 9(a)(4)(ii), comments; §§ 9(b)(2)(i)(B)(2), 9(b)(3)(i)(B)(2). Consumer Financial Protection Bureau +2

Recorded coordinator check boundaries

coordinator review
{"identity": "delegated_coordinator_not_independent", "reviewed_at": "2026-10-29T08:39:09.642740+00:00", "disposition": "reconciled_with_selected_primary_checks_and_retained_subclaim_limits", "selected_evidence_groups": ["notices"], "all_original_limits_retained": true, "new_material_correction_pending": false, "source_checks": "[internal evidence reference]"}
R011-P1-C075 Saved research record

Required notices must be segregated from other materials, allowing only specified identification/branding/navigation additions. Other content cannot surround the required content; it can be in a separate paper/page. Electronic full payment and rights notices must be machine readable and accessible through both browsers and screen readers.

Recorded check status: not yet checked

Status and limits
R/I. A PDF extension alone does not establish accessibility.
Source and pinpoint
S001 § 9(a)(5)–(6), comment 9(a)(5)-1. Consumer Financial Protection Bureau

Recorded coordinator check boundaries

coordinator review
{"identity": "delegated_coordinator_not_independent", "reviewed_at": "2026-10-29T08:39:09.642740+00:00", "disposition": "reconciled_with_selected_primary_checks_and_retained_subclaim_limits", "selected_evidence_groups": ["notices"], "all_original_limits_retained": true, "new_material_correction_pending": false, "source_checks": "[internal evidence reference]"}
R011-P1-C076 Saved research record

Use of the official models is optional, but required content, order and format must be substantially similar to the applicable models. The official comment provides a disclosure safe harbor for model use. Another language may be used if English is available on request.

Recorded check status: not yet checked

Status and limits
R/I. Model use does not excuse timing, consent, truthful population, or other-law defects.
Source and pinpoint
S001 § 9(a)(7)–(8), comment 9(a)(7)-1; Appendix A. Consumer Financial Protection Bureau

Recorded coordinator check boundaries

coordinator review
{"identity": "delegated_coordinator_not_independent", "reviewed_at": "2026-10-29T08:39:09.642740+00:00", "disposition": "reconciled_with_selected_primary_checks_and_retained_subclaim_limits", "selected_evidence_groups": ["notices"], "all_original_limits_retained": true, "new_material_correction_pending": false, "source_checks": "[internal evidence reference]"}
R011-P1-C077 Saved research record

The first-payment notice concerns the first scheduled transfer for a particular covered loan, excluding a qualifying immediate transfer. A loan’s first transfer after becoming covered can be the first withdrawal. Changing authorization later does not automatically create a new first withdrawal. An intervening cash payment can leave the original timely first notice sufficient for the next scheduled withdrawal, subject to unusual-withdrawal duties.

Recorded check status: not yet checked

Status and limits
R/I. “First payment ever received” is not the test.
Source and pinpoint
S001 § 9(b)(1)(i), comments 9(b)(1)(i)-1–3. Consumer Financial Protection Bureau +1

Recorded coordinator check boundaries

coordinator review
{"identity": "delegated_coordinator_not_independent", "reviewed_at": "2026-10-29T08:39:09.642740+00:00", "disposition": "reconciled_with_selected_primary_checks_and_retained_subclaim_limits", "selected_evidence_groups": ["notices"], "all_original_limits_retained": true, "new_material_correction_pending": false, "source_checks": "[internal evidence reference]"}
R011-P1-C078 Saved research record

An unusual withdrawal involves one or more of: an amount larger or smaller than scheduled; a different/unscheduled date; a channel different from the directly preceding transfer; or reinitiation of a returned transfer. For open-end credit, the amount comparison is to the minimum due disclosed on the periodic statement.

Recorded check status: not yet checked

Status and limits
R/I. Retry notices are not limited to NSF returns; fee-only/unscheduled collections can trigger amount/date disclosures.
Source and pinpoint
S001 §§ 9(b)(1)(ii), 9(b)(3)(ii)(C)(1)–(4), comments -1–4. Consumer Financial Protection Bureau

Recorded coordinator check boundaries

coordinator review
{"identity": "delegated_coordinator_not_independent", "reviewed_at": "2026-10-29T08:39:09.642740+00:00", "disposition": "reconciled_with_selected_primary_checks_and_retained_subclaim_limits", "selected_evidence_groups": ["notices"], "all_original_limits_retained": true, "new_material_correction_pending": false, "source_checks": "[internal evidence reference]"}
R011-P1-C079 Saved research record

The § 9(b) payment notice is not required for the initial transfer after valid § 8(c) authorization, even if unusual, or for a qualifying § 8(a)(2) immediate transfer. For an authorized series, the first exception covers only the initial transfer.

Recorded check status: not yet checked

Status and limits
R/I. These exceptions concern payment notices, not automatic cancellation of the consumer-rights notice.
Source and pinpoint
S001 § 9(b)(1)(iii)(A)–(B), comments -1–2. Consumer Financial Protection Bureau

Recorded coordinator check boundaries

coordinator review
{"identity": "delegated_coordinator_not_independent", "reviewed_at": "2026-10-29T08:39:09.642740+00:00", "disposition": "reconciled_with_selected_primary_checks_and_retained_subclaim_limits", "selected_evidence_groups": ["notices"], "all_original_limits_retained": true, "new_material_correction_pending": false, "source_checks": "[internal evidence reference]"}
R011-P1-C080 Saved research record

A first-payment notice may be sent no earlier than payment authorization. Mail requires at least six business days before initiation; electronic delivery/in person requires at least three business days. Mailing/sending, rather than consumer receipt, starts the disclosed notice interval.

Recorded check status: not yet checked

Status and limits
R/I. No actual holiday or business-day calendar was applied.
Source and pinpoint
S001 § 9(b)(2)(i)(A)–(C), timing comments. Consumer Financial Protection Bureau

Recorded coordinator check boundaries

coordinator review
{"identity": "delegated_coordinator_not_independent", "reviewed_at": "2026-10-29T08:39:09.642740+00:00", "disposition": "reconciled_with_selected_primary_checks_and_retained_subclaim_limits", "selected_evidence_groups": ["notices"], "all_original_limits_retained": true, "new_material_correction_pending": false, "source_checks": "[internal evidence reference]"}
R011-P1-C081 Saved research record

An unusual-payment notice by mail must be sent 10 through 6 business days before initiation; electronic/in-person notice uses 7 through 3 business days before initiation.

Recorded check status: not yet checked

Status and limits
R. These include an earliest as well as latest permitted point, unlike the first notice’s authorization-based earliest point. Open-end exception addressed separately.
Source and pinpoint
S001 § 9(b)(3)(i)(A)–(C). Consumer Financial Protection Bureau

Recorded coordinator check boundaries

coordinator review
{"identity": "delegated_coordinator_not_independent", "reviewed_at": "2026-10-29T08:39:09.642740+00:00", "disposition": "reconciled_with_selected_primary_checks_and_retained_subclaim_limits", "selected_evidence_groups": ["notices"], "all_original_limits_retained": true, "new_material_correction_pending": false, "source_checks": "[internal evidence reference]"}
R011-P1-C082 Saved research record

An open-end unusual notice may accompany the Reg Z § 1026.7(b) periodic statement using applicable statement timing. For relevant non-card open-end statements, § 1026.5(b)(2)(ii)(B) supplies the conditional 21-day grace-period and 14-day late-treatment timing requirements.

Recorded check status: not yet checked

Status and limits
R, bounded overlay. Section 9 segregation still applies; this is not permission to bury the notice in unrelated statement text. Full periodic-statement content and any actual statement calendar remain held.
Source and pinpoint
S001 § 9(b)(3)(i)(D); S005 §§ 1026.5(b)(2)(ii)(B), 1026.7(b). Consumer Financial Protection Bureau +1

Recorded coordinator check boundaries

coordinator review
{"identity": "delegated_coordinator_not_independent", "reviewed_at": "2026-10-29T08:39:09.642740+00:00", "disposition": "reconciled_with_selected_primary_checks_and_retained_subclaim_limits", "selected_evidence_groups": ["overlays"], "all_original_limits_retained": true, "new_material_correction_pending": false, "source_checks": "[internal evidence reference]"}
R011-P1-C083 Saved research record

The full first notice requires the prescribed “Upcoming Withdrawal Notice” identification and lender name; initiation date; total transfer amount; enough account information without the full account number; loan identification; specific channel; and a check number when applicable.

Recorded check status: not yet checked

Status and limits
R/I. Initiation means release beyond lender/agent control to third-party processing. Actual identifying entries were not obtained or invented.
Source and pinpoint
S001 § 9(b)(2)(ii)(A)–(B)(6), comments. Consumer Financial Protection Bureau

Recorded coordinator check boundaries

coordinator review
{"identity": "delegated_coordinator_not_independent", "reviewed_at": "2026-10-29T08:39:09.642740+00:00", "disposition": "reconciled_with_selected_primary_checks_and_retained_subclaim_limits", "selected_evidence_groups": ["notices"], "all_original_limits_retained": true, "new_material_correction_pending": false, "source_checks": "[internal evidence reference]"}
R011-P1-C084 Saved research record

Its payment-breakdown table must show principal even when zero, accrued interest, applicable fees/other charges, total, and the prescribed applicable interest-only/negative-amortization statement. It also needs lender name, a different transfer-facing name if used, and two different forms of contact information.

Recorded check status: not yet checked

Status and limits
R/I. Fees may be aggregated or separately stated as allowed. No actual amount or fee legality determined.
Source and pinpoint
S001 § 9(b)(2)(ii)(C)(1)–(7), (D), comments. Consumer Financial Protection Bureau +2

Recorded coordinator check boundaries

coordinator review
{"identity": "delegated_coordinator_not_independent", "reviewed_at": "2026-10-29T08:39:09.642740+00:00", "disposition": "reconciled_with_selected_primary_checks_and_retained_subclaim_limits", "selected_evidence_groups": ["notices"], "all_original_limits_retained": true, "new_material_correction_pending": false, "source_checks": "[internal evidence reference]"}
R011-P1-C085 Saved research record

The unusual notice uses its prescribed alert heading, the basic transfer/breakdown/contact content, and all applicable unusual explanations. A retry explanation includes the prior unsuccessful attempt’s date, amount and reason for return; a channel-change explanation identifies the former channel.

Recorded check status: not yet checked

Status and limits
R/I. This is not satisfied merely by saying “payment due.”
Source and pinpoint
S001 § 9(b)(3)(ii)(A)–(C). Consumer Financial Protection Bureau

Recorded coordinator check boundaries

coordinator review
{"identity": "delegated_coordinator_not_independent", "reviewed_at": "2026-10-29T08:39:09.642740+00:00", "disposition": "reconciled_with_selected_primary_checks_and_retained_subclaim_limits", "selected_evidence_groups": ["notices"], "all_original_limits_retained": true, "new_material_correction_pending": false, "source_checks": "[internal evidence reference]"}
R011-P1-C086 Saved research record

Electronic short payment notices contain the identification, date, amount and limited account information, plus a unique URL when the full notice is linked rather than attached as PDF. Unusual short notices add applicable amount/date/channel changes. The short-notice list does not separately enumerate the full notice’s retry-history field.

Recorded check status: not yet checked

Status and limits
R. The full notice still must contain all applicable retry details. A short notice alone is insufficient.
Source and pinpoint
S001 § 9(b)(4)(i)–(ii)(A)–(B). Consumer Financial Protection Bureau

Recorded coordinator check boundaries

coordinator review
{"identity": "delegated_coordinator_not_independent", "reviewed_at": "2026-10-29T08:39:09.642740+00:00", "disposition": "reconciled_with_selected_primary_checks_and_retained_subclaim_limits", "selected_evidence_groups": ["notices"], "all_original_limits_retained": true, "new_material_correction_pending": false, "source_checks": "[internal evidence reference]"}
R011-P1-C087 Saved research record

With valid email consent, the lender may put the full notice in the email body, or send the full notice by linked webpage/PDF attachment with the required short notice. The interpretation specifies the identifying statement in email subject and body. Other electronic methods use the full-plus-short structure.

Recorded check status: not yet checked

Status and limits
R/I. A bare link without required short content is insufficient.
Source and pinpoint
S001 § 9(b)(4)(iii), comments 9(b)(4)-1, 9(b)(4)(ii)(A)-1. Consumer Financial Protection Bureau +1

Recorded coordinator check boundaries

coordinator review
{"identity": "delegated_coordinator_not_independent", "reviewed_at": "2026-10-29T08:39:09.642740+00:00", "disposition": "reconciled_with_selected_primary_checks_and_retained_subclaim_limits", "selected_evidence_groups": ["notices"], "all_original_limits_retained": true, "new_material_correction_pending": false, "source_checks": "[internal evidence reference]"}
R011-P1-C088 Saved research record

After the two failures described in § 8(b), a consumer-rights notice must be sent no later than three business days after the lender or agent receives information of the second failure.

Recorded check status: not yet checked

Status and limits
R/I. The trigger is information receipt by either; actual processing or management review dates are unknown.
Source and pinpoint
S001 § 9(c)(1)–(2), comment 9(c)(2)-1. Consumer Financial Protection Bureau

Recorded coordinator check boundaries

coordinator review
{"identity": "delegated_coordinator_not_independent", "reviewed_at": "2026-10-29T08:39:09.642740+00:00", "disposition": "reconciled_with_selected_primary_checks_and_retained_subclaim_limits", "selected_evidence_groups": ["notices"], "all_original_limits_retained": true, "new_material_correction_pending": false, "source_checks": "[internal evidence reference]"}
R011-P1-C089 Saved research record

The full rights notice must identify the lender’s inability to continue withdrawals; describe the two NSF failures or applicable overdraft result; identify the account without its full number and associated covered loans; state the federal permission restriction and possible contact about choices; and tabulate scheduled due dates, attempt dates, amounts and lender-charged fees. The final information must be the prescribed CFPB statement and www.cfpb.gov/payday.

Recorded check status: not yet checked

Status and limits
R/I. When the lender holds the account, the fee field includes relevant loan and deposit-account fees. The full account number must not be supplied.
Source and pinpoint
S001 § 9(c)(3)(i)–(viii), comments 9(c)(3)-1–2. Consumer Financial Protection Bureau

Recorded coordinator check boundaries

coordinator review
{"identity": "delegated_coordinator_not_independent", "reviewed_at": "2026-10-29T08:39:09.642740+00:00", "disposition": "reconciled_with_selected_primary_checks_and_retained_subclaim_limits", "selected_evidence_groups": ["notices"], "all_original_limits_retained": true, "new_material_correction_pending": false, "source_checks": "[internal evidence reference]"}
R011-P1-C090 Saved research record

The short electronic rights notice includes the lender restriction, last-two-failure statement, limited account information, federal permission restriction and unique URL when linked. Email can use the full-body alternative; otherwise full-plus-short delivery applies.

Recorded check status: not yet checked

Status and limits
R/I. Consent, retention, segregation and accessibility conditions remain applicable.
Source and pinpoint
S001 § 9(c)(4)(i)–(iii), comment 9(c)(4)-1. Consumer Financial Protection Bureau

Recorded coordinator check boundaries

coordinator review
{"identity": "delegated_coordinator_not_independent", "reviewed_at": "2026-10-29T08:39:09.642740+00:00", "disposition": "reconciled_with_selected_primary_checks_and_retained_subclaim_limits", "selected_evidence_groups": ["notices"], "all_original_limits_retained": true, "new_material_correction_pending": false, "source_checks": "[internal evidence reference]"}
R011-P1-C091 Saved research record

A later immediate payment or new authorization does not create an express waiver of the already-triggered rights notice. Rights notice and authorization request may share an envelope/email only with the specified segregation; open-end notice/statement combination has its own limited rule.

Recorded check status: not yet checked

Status and limits
R/I/INF. No general license to combine all notices with all contract or marketing content is inferred.
Source and pinpoint
S001 §§ 8(c)(3)(ii), 8(d), 9(a)(5), 9(b)(1)(iii), 9(b)(3)(i)(D), 9(c)(1). Consumer Financial Protection Bureau +2

Recorded coordinator check boundaries

coordinator review
{"identity": "delegated_coordinator_not_independent", "reviewed_at": "2026-10-29T08:39:09.642740+00:00", "disposition": "reconciled_with_selected_primary_checks_and_retained_subclaim_limits", "selected_evidence_groups": ["notices"], "all_original_limits_retained": true, "new_material_correction_pending": false, "source_checks": "[internal evidence reference]"}
R011-P1-C092 Saved research record

The official May 2019 model PDF’s entire parsed text was read. It supplies generic illustrative models A-3–A-8, with sample populated fields, rather than a wholly empty fillable audit form.

Recorded check status: not yet checked

Status and limits
Text read / visual U. No sample identities or amounts are reproduced here. No model pixels were inspectable; extraction alone does not verify layout or visual conformity.
Source and pinpoint
S015, indexes 0–6; model inspection table below. files.consumerfinance.gov

Recorded coordinator check boundaries

coordinator review
{"identity": "delegated_coordinator_not_independent", "reviewed_at": "2026-10-29T08:39:09.642740+00:00", "disposition": "reconciled_original_attribution_or_scope_hold_not_freshly_verified", "selected_evidence_groups": [], "all_original_limits_retained": true, "new_material_correction_pending": false, "source_checks": "[internal evidence reference]"}
R011-P1-C093 Saved research record

The lender must retain evidence of compliance for 36 months after the covered loan ceases to be outstanding. The listed record categories are nonexhaustive.

Recorded check status: not yet checked

Status and limits
R/I. The period does not simply run from origination or the first failed transfer. No actual destruction date calculated.
Source and pinpoint
S001 § 12(b), comment 12(b)-1. Consumer Financial Protection Bureau

Recorded coordinator check boundaries

coordinator review
{"identity": "delegated_coordinator_not_independent", "reviewed_at": "2026-10-29T08:39:09.642740+00:00", "disposition": "reconciled_with_selected_primary_checks_and_retained_subclaim_limits", "selected_evidence_groups": ["records"], "all_original_limits_retained": true, "new_material_correction_pending": false, "source_checks": "[internal evidence reference]"}
R011-P1-C094 Saved research record

“Outstanding” generally continues while legally obligated, including delinquency/workout, but ends at the earliest full payment, release, discharge, or 180 days after the last payment; if no payment, 180 days after consummation. The interpretation says it cannot become outstanding again after those terminating events. Sale/servicing transfer does not itself change the status.

Recorded check status: not yet checked

Status and limits
R/I. This rule-specific status definition is not debt cancellation or an automatic reset of the § 8 prohibition.
Source and pinpoint
S001 § 2(a)(17), comments 2(a)(17)-1–2. Consumer Financial Protection Bureau

Recorded coordinator check boundaries

coordinator review
{"identity": "delegated_coordinator_not_independent", "reviewed_at": "2026-10-29T08:39:09.642740+00:00", "disposition": "reconciled_with_selected_primary_checks_and_retained_subclaim_limits", "selected_evidence_groups": ["records"], "all_original_limits_retained": true, "new_material_correction_pending": false, "source_checks": "[internal evidence reference]"}
R011-P1-C095 Saved research record

Required image-reproducible records include each originated covered-loan agreement, applicable leveraged-payment mechanism, § 8(c) authorization, and underlying one-time authorization/check for § 8(d). Required oral-authorization recordings must also be retained.

Recorded check status: not yet checked

Status and limits
R/I. Electronic documents may be kept electronically or as printouts as specified. Notice/consent evidence falls under the general nonexhaustive compliance-evidence duty; an invented mandatory notice-image format is not asserted.
Source and pinpoint
S001 §§ 12(b)(1), (4), 8(c)(3)(iii)(B), comments 12(b)(4)-1. Consumer Financial Protection Bureau +1

Recorded coordinator check boundaries

coordinator review
{"identity": "delegated_coordinator_not_independent", "reviewed_at": "2026-10-29T08:39:09.642740+00:00", "disposition": "reconciled_with_selected_primary_checks_and_retained_subclaim_limits", "selected_evidence_groups": ["records"], "all_original_limits_retained": true, "new_material_correction_pending": false, "source_checks": "[internal evidence reference]"}
R011-P1-C096 Saved research record

Electronic tabular records must include payment receipt/attempt dates, amounts due, attempted and received/transferred, payment channel, and—when the prohibition applies—whether qualifying (c)/(d) authorization was obtained.

Recorded check status: not yet checked

Status and limits
R/I. Image PDFs and word-processing files are not the required tabular format. Missing rows may prevent reconstruction; they do not establish debt invalidity.
Source and pinpoint
S001 § 12(b)(5)(i)–(ii), comment 12(b)(5)-1. Consumer Financial Protection Bureau

Recorded coordinator check boundaries

coordinator review
{"identity": "delegated_coordinator_not_independent", "reviewed_at": "2026-10-29T08:39:09.642740+00:00", "disposition": "reconciled_with_selected_primary_checks_and_retained_subclaim_limits", "selected_evidence_groups": ["records"], "all_original_limits_retained": true, "new_material_correction_pending": false, "source_checks": "[internal evidence reference]"}
R011-P1-C097 Saved research record

A covered-loan lender must develop and follow written compliance procedures appropriate to lender/affiliate size, complexity and lending activities, including detailed guidance for §§ 8–9.

Recorded check status: not yet checked

Status and limits
R/I. Incomplete evidence can leave compliance unresolved; an absence of evidence is not a finding that no rule applies.
Source and pinpoint
S001 § 12(a), comment 12(a)-1. Consumer Financial Protection Bureau

Recorded coordinator check boundaries

coordinator review
{"identity": "delegated_coordinator_not_independent", "reviewed_at": "2026-10-29T08:39:09.642740+00:00", "disposition": "reconciled_with_selected_primary_checks_and_retained_subclaim_limits", "selected_evidence_groups": ["records"], "all_original_limits_retained": true, "new_material_correction_pending": false, "source_checks": "[internal evidence reference]"}
R011-P1-C098 Saved research record

The periods above are reported in the units actually used—business days, days, months, calendar years or tax years. No individualized calendar calculation was performed.

Recorded check status: not yet checked

Status and limits
U for actual calendars. A comprehensive Part 1041 business-day/calendar definition was not established in the read material; Reg E’s separate definition was not silently imported. Holidays, receipt facts, event order and applicable calendars remain held.
Source and pinpoint
S001 §§ 8–9, 12 and their timing comments; S004–S005 for their separate periods.

Recorded coordinator check boundaries

coordinator review
{"identity": "delegated_coordinator_not_independent", "reviewed_at": "2026-10-29T08:39:09.642740+00:00", "disposition": "reconciled_original_attribution_or_scope_hold_not_freshly_verified", "selected_evidence_groups": [], "all_original_limits_retained": true, "new_material_correction_pending": false, "source_checks": "[internal evidence reference]"}

Sources, pinpoints and access limits

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

R011-P1-S001 Saved research record

CFPB, current Part 1041 text and official interpretations; eCFR parallel views

Recorded check status: selected primary passages checked with holds

Complete verbatim source subsection
1.1 R011-P1-S001 — Current Part 1041 text and official interpretations These are views of the same regulatory body, not independent corroborating authorities. The complete operative bodies of the listed CFPB sections and their relevant embedded official interpretations were read. The eCFR was additionally used for its currency statement, § 1041.1, and Supplement I comment 7-1, which was not exposed in the CFPB section-navigation list. Issuer/jurisdiction: CFPB; U.S. federal regulation and official interpretations. Actual check date: October 27, 2026 PDT. Version predicate: CFPB pages labeled their version current; eCFR displayed Title 12 current through October 23, 2026. The eCFR expressly identifies itself as authoritative but unofficial, rather than an official legal edition of the CFR. The title-wide amendment date is not a Part 1041 amendment date. Reading status: Fresh body reads in this assignment; no prior-report reuse. HTML has no PDF page index. Currentness limit: This is not a complete annual-CFR or Federal Register/session-law lag audit. ecfr.gov S001 view Complete literal HTTPS URL Exact reading bounds and use eCFR Part 1041 https://www.ecfr.gov/current/title-12/chapter-X/part-1041 Currency and legal-edition statements; authority/source notes; § 1041.1; selected operative cross-checks; Supplement I comment 7-1. The entire consolidated eCFR page was not independently reread end to end. Definitions https://www.consumerfinance.gov/rules-policy/regulations/1041/2/ Complete § 1041.2(a)–(b), including reserved paragraphs and embedded interpretations. Coverage https://www.consumerfinance.gov/rules-policy/regulations/1041/3/ Complete § 1041.3(a)–(h), all eight exclusions, both conditional exemptions, and embedded interpretations. Identified practice https://www.consumerfinance.gov/rules-policy/regulations/1041/7/ Complete § 1041.7; comment 7-1 obtained from eCFR and the annual-CFR cross-check. Payment attempts https://www.consumerfinance.gov/rules-policy/regulations/1041/8/ Complete § 1041.8(a)–(e) and embedded interpretations, including definitions, counting, authorization, immediate-payment exception, and evasion. Notices https://www.consumerfinance.gov/rules-policy/regulations/1041/9/ Complete § 1041.9(a)–(c) and embedded interpretations, including full and short notices, electronic consent, timing, exceptions, and segregation. Compliance/records https://www.consumerfinance.gov/rules-policy/regulations/1041/12/ Complete § 1041.12(a)–(b)(5), reserved paragraphs, and interpretations. Evasion https://www.consumerfinance.gov/rules-policy/regulations/1041/13/ Complete § 1041.13 and interpretation. Severability https://www.consumerfinance.gov/rules-policy/regulations/1041/14/ Complete severability clause; not treated as proof of current judicial status. Dates https://www.consumerfinance.gov/rules-policy/regulations/1041/15/ Complete § 1041.15(a)–(c), including the still-printed historical registration and compliance dates. Appendix A https://www.consumerfinance.gov/rules-policy/regulations/1041/a/ Complete model-form listing; A-1 and A-2 reserved; A-3 through A-8 cross-references. Actual publisher model text separately read in S015.
Same-document views
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The entire consolidated eCFR page was not independently reread end to end."], ["Definitions", "https://www.consumerfinance.gov/rules-policy/regulations/1041/2/", "Complete § 1041.2(a)–(b), including reserved paragraphs and embedded interpretations."], ["Coverage", "https://www.consumerfinance.gov/rules-policy/regulations/1041/3/", "Complete § 1041.3(a)–(h), all eight exclusions, both conditional exemptions, and embedded interpretations."], ["Identified practice", "https://www.consumerfinance.gov/rules-policy/regulations/1041/7/", "Complete § 1041.7; comment 7-1 obtained from eCFR and the annual-CFR cross-check."], ["Payment attempts", "https://www.consumerfinance.gov/rules-policy/regulations/1041/8/", "Complete § 1041.8(a)–(e) and embedded interpretations, including definitions, counting, authorization, immediate-payment exception, and evasion."], ["Notices", "https://www.consumerfinance.gov/rules-policy/regulations/1041/9/", "Complete § 1041.9(a)–(c) and embedded interpretations, including full and short notices, electronic consent, timing, exceptions, and segregation."], ["Compliance/records", "https://www.consumerfinance.gov/rules-policy/regulations/1041/12/", "Complete § 1041.12(a)–(b)(5), reserved paragraphs, and interpretations."], ["Evasion", "https://www.consumerfinance.gov/rules-policy/regulations/1041/13/", "Complete § 1041.13 and interpretation."], ["Severability", "https://www.consumerfinance.gov/rules-policy/regulations/1041/14/", "Complete severability clause; not treated as proof of current judicial status."], ["Dates", "https://www.consumerfinance.gov/rules-policy/regulations/1041/15/", "Complete § 1041.15(a)–(c), including the still-printed historical registration and compliance dates."], ["Appendix A", "https://www.consumerfinance.gov/rules-policy/regulations/1041/a/", "Complete model-form listing; A-1 and A-2 reserved; A-3 through A-8 cross-references. Actual publisher model text separately read in S015."]]}
Direct source URLs
https://www.ecfr.gov/current/title-12/chapter-X/part-1041
https://www.consumerfinance.gov/rules-policy/regulations/1041/2/
https://www.consumerfinance.gov/rules-policy/regulations/1041/3/
https://www.consumerfinance.gov/rules-policy/regulations/1041/7/
https://www.consumerfinance.gov/rules-policy/regulations/1041/8/
https://www.consumerfinance.gov/rules-policy/regulations/1041/9/
https://www.consumerfinance.gov/rules-policy/regulations/1041/12/
https://www.consumerfinance.gov/rules-policy/regulations/1041/13/
https://www.consumerfinance.gov/rules-policy/regulations/1041/14/
https://www.consumerfinance.gov/rules-policy/regulations/1041/15/
https://www.consumerfinance.gov/rules-policy/regulations/1041/a/

Recorded coordinator check boundaries

coordinator review
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"actual_selected_lines_read": [[100, 134]], "metadata_navigation_or_unselected_only": false, "complete_native_block_retained": true, "parsed_text_not_pixels": true}, {"packet": "[internal evidence reference]", "sha256": "91311cba51b349cc973bb074d489ee29ef0546081f877d40ec7d2a435221bf5a", "chunk": 2, "URL": "https://www.consumerfinance.gov/rules-policy/regulations/1041/3/", "packet_character_bounds_half_open": [16013, 25320], "returned_native_ranges": [[153, 210]], "access_failure": false, "search_miss": false, "actual_selected_lines_read": [[153, 210]], "metadata_navigation_or_unselected_only": false, "complete_native_block_retained": true, "parsed_text_not_pixels": true}, {"packet": "[internal evidence reference]", "sha256": "91311cba51b349cc973bb074d489ee29ef0546081f877d40ec7d2a435221bf5a", "chunk": 3, "URL": "https://www.consumerfinance.gov/rules-policy/regulations/1041/3/", "packet_character_bounds_half_open": [25402, 34624], "returned_native_ranges": [[211, 264]], "access_failure": 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68]], "access_failure": false, "search_miss": false, "actual_selected_lines_read": [[42, 58]], "metadata_navigation_or_unselected_only": false, "complete_native_block_retained": true, "parsed_text_not_pixels": true}, {"packet": "[internal evidence reference]", "sha256": "838959e2722a658169f85713c298160f906f65d86b35cacbddaf6220e0c30484", "chunk": 1, "URL": "https://www.consumerfinance.gov/rules-policy/regulations/1041/15/", "packet_character_bounds_half_open": [11186, 14414], "returned_native_ranges": [[0, 63]], "access_failure": false, "search_miss": false, "actual_selected_lines_read": [[42, 54]], "metadata_navigation_or_unselected_only": false, "complete_native_block_retained": true, "parsed_text_not_pixels": true}], "no_actual_application_or_current_law_certificate": true, "reviewed_at": "2026-10-29T08:39:09.642740+00:00"}
R011-P1-S002 Saved research record

U.S. House Office of Law Revision Counsel, 12 USC 5481: https://uscode.house.gov/us/usc/119-124/t12/s5481/. GPO fallback: https://www.govinfo.gov/link/uscode/12/5481

Recorded check status: original researcher attributed not freshly reopened

Exact clauses, printed pages/PDF indexes, and actual read bounds
Definitions (1), (4), (19), and (26), including service-provider qualifications and exclusions. Fallback PDF: printed pp. 1939, 1942–1943; indexes 0, 3–4.
Version/effective predicate; reading status and limits
U.S. federal statute. House page stated laws in effect through Public Law 119-124, October 15, 2026. That is a compilation boundary, not a full later-session-law audit. Fresh reads; fallback edition not independently established.
Direct source URLs
https://uscode.house.gov/us/usc/119-124/t12/s5481/
https://www.govinfo.gov/link/uscode/12/5481
https://uscode.house.gov/us/usc/119-124/t12/s5481/?utm_source=chatgpt.com
https://www.govinfo.gov/link/uscode/12/5481?utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review
{"coordinator_status": "original_researcher_attributed_not_freshly_reopened", "coordinator_scope": "Whole original source record read and reconciled, but no fresh operative-body verification in this review. Original successful/failed/secondary/edition/selected-page and judicial-history assertions remain attributed at their recorded bounds; no authority promoted from citations alone.", "fresh_selected_evidence": [], "no_actual_application_or_current_law_certificate": true, "reviewed_at": "2026-10-29T08:39:09.642740+00:00"}
R011-P1-S003 Saved research record

House, 12 USC 5531 and 5532: https://uscode.house.gov/us/usc/119-124/t12/s5531/ and https://uscode.house.gov/us/usc/119-124/t12/s5532/. GPO: https://www.govinfo.gov/link/uscode/12/5531 and https://www.govinfo.gov/link/uscode/12/5532

Recorded check status: original researcher attributed not freshly reopened

Exact clauses, printed pages/PDF indexes, and actual read bounds
§ 5531(a)–(e); § 5532(a)–(d). Authority, unfairness/abusiveness criteria, disclosure authority, optional models and associated protection. GPO printed pp. 1971–1973 across the two extracts, indexes 0–1 of each.
Version/effective predicate; reading status and limits
U.S. federal statute; same House compilation boundary as S002. Fresh body reads. No individual cause-of-action, standing, or remedy conclusion.
Direct source URLs
https://uscode.house.gov/us/usc/119-124/t12/s5531/
https://uscode.house.gov/us/usc/119-124/t12/s5532/
https://www.govinfo.gov/link/uscode/12/5531
https://www.govinfo.gov/link/uscode/12/5532
https://uscode.house.gov/us/usc/119-124/t12/s5531/?utm_source=chatgpt.com
https://uscode.house.gov/us/usc/119-124/t12/s5532/?utm_source=chatgpt.com
https://www.govinfo.gov/link/uscode/12/5531?utm_source=chatgpt.com
https://www.govinfo.gov/link/uscode/12/5532?utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review
{"coordinator_status": "original_researcher_attributed_not_freshly_reopened", "coordinator_scope": "Whole original source record read and reconciled, but no fresh operative-body verification in this review. Original successful/failed/secondary/edition/selected-page and judicial-history assertions remain attributed at their recorded bounds; no authority promoted from citations alone.", "fresh_selected_evidence": [], "no_actual_application_or_current_law_certificate": true, "reviewed_at": "2026-10-29T08:39:09.642740+00:00"}
R011-P1-S004 Saved research record

CFPB, Regulation E: https://www.consumerfinance.gov/rules-policy/regulations/1005/2/; https://www.consumerfinance.gov/rules-policy/regulations/1005/3/; https://www.consumerfinance.gov/rules-policy/regulations/1005/10/; https://www.consumerfinance.gov/rules-policy/regulations/1005/17/

Recorded check status: selected primary passages checked with holds

Exact clauses, printed pages/PDF indexes, and actual read bounds
§ 1005.2(b), relevant account comments, (i), (k); § 1005.3(a), complete (b)(1)–(3) and comments; § 1005.10(b)–(e)(1) and necessary comments; § 1005.17(a) and comment 17(a)-1 only.
Version/effective predicate; reading status and limits
U.S. federal regulation/interpretations, current-labeled agency pages. Fresh reads of these bounds only. No complete Reg E, overdraft, error-resolution, or fee-liability review. HTML; PDF indexes N/A.
Direct source URLs
https://www.consumerfinance.gov/rules-policy/regulations/1005/2/
https://www.consumerfinance.gov/rules-policy/regulations/1005/3/
https://www.consumerfinance.gov/rules-policy/regulations/1005/10/
https://www.consumerfinance.gov/rules-policy/regulations/1005/17/
https://www.consumerfinance.gov/rules-policy/regulations/1005/2/?utm_source=chatgpt.com
https://www.consumerfinance.gov/rules-policy/regulations/1005/3/?utm_source=chatgpt.com
https://www.consumerfinance.gov/rules-policy/regulations/1005/10/?utm_source=chatgpt.com
https://www.consumerfinance.gov/rules-policy/regulations/1005/17/?utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review
{"coordinator_status": "selected_primary_passages_checked_with_holds", "coordinator_scope": "Selected fresh §1005.10(b)–(e) operative/interpretations for underlying signed authority, stop payment/14-day confirmation, variable10-day notice/range and compulsory use. §2/3/17/check-conversion and account/prepaid predicates not freshly reopened. No R010 premise or actual authority/transaction conclusion.", "fresh_selected_evidence": [{"packet": "[internal evidence reference]", "sha256": "838959e2722a658169f85713c298160f906f65d86b35cacbddaf6220e0c30484", "chunk": 3, "URL": "https://www.consumerfinance.gov/rules-policy/regulations/1005/10/", "packet_character_bounds_half_open": [22952, 31330], "returned_native_ranges": [[0, 70]], "access_failure": false, "search_miss": false, "actual_selected_lines_read": [[34, 70]], "metadata_navigation_or_unselected_only": false, "complete_native_block_retained": true, "parsed_text_not_pixels": true}, {"packet": "[internal evidence reference]", "sha256": "f5e16ac44301649b46e6fdc2b32db84a632555af4fb2f259cc8fb8553cfcbe7c", "chunk": 1, "URL": "https://www.consumerfinance.gov/rules-policy/regulations/1005/10/", "packet_character_bounds_half_open": [13507, 26290], "returned_native_ranges": [[77, 138]], "access_failure": false, "search_miss": false, "actual_selected_lines_read": [[77, 138]], "metadata_navigation_or_unselected_only": false, "complete_native_block_retained": true, "parsed_text_not_pixels": true}], "no_actual_application_or_current_law_certificate": true, "reviewed_at": "2026-10-29T08:39:09.642740+00:00"}
R011-P1-S005 Saved research record

CFPB, Regulation Z: https://www.consumerfinance.gov/rules-policy/regulations/1026/2/; https://www.consumerfinance.gov/rules-policy/regulations/1026/3/; https://www.consumerfinance.gov/rules-policy/regulations/1026/5/; https://www.consumerfinance.gov/rules-policy/regulations/1026/7/; https://www.consumerfinance.gov/rules-policy/regulations/1026/46/

Recorded check status: selected primary passages checked with holds

Exact clauses, printed pages/PDF indexes, and actual read bounds
§ 1026.2(a)(14), (15)(ii), (17)(v), (20), and relevant comments; § 1026.3(a) and selected primary-purpose comments; § 1026.5(b)(2)(ii) and timing comments; § 1026.7(b) introductory/selected text only; complete § 1026.46(b)(5) and its comments 1–4.
Version/effective predicate; reading status and limits
U.S. federal regulation/interpretations. Fresh bounded reads. § 1026.7 was not fully reviewed. §§ 1026.4, .14 and .22 were identified through Part 1041’s incorporation but a complete finance-charge/APR calculation review remains held.
Direct source URLs
https://www.consumerfinance.gov/rules-policy/regulations/1026/2/
https://www.consumerfinance.gov/rules-policy/regulations/1026/3/
https://www.consumerfinance.gov/rules-policy/regulations/1026/5/
https://www.consumerfinance.gov/rules-policy/regulations/1026/7/
https://www.consumerfinance.gov/rules-policy/regulations/1026/46/
https://www.consumerfinance.gov/rules-policy/regulations/1026/2/?utm_source=chatgpt.com
https://www.consumerfinance.gov/rules-policy/regulations/1026/3/?utm_source=chatgpt.com
https://www.consumerfinance.gov/rules-policy/regulations/1026/5/?utm_source=chatgpt.com
https://www.consumerfinance.gov/rules-policy/regulations/1026/7/?utm_source=chatgpt.com
https://www.consumerfinance.gov/rules-policy/regulations/1026/46/?utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review
{"coordinator_status": "selected_primary_passages_checked_with_holds", "coordinator_scope": "Selected fresh §1026.2(a)(17)(v) regularity thresholds; §5(b)(2)(ii)(B) conditional21/14-day periodic timing; §46(b)(5) education scope/90days/one-year exclusions and selected OI. Other2definitions/card/openend/cost/3/7 bodies remain original-attributed, not allRegZ verified.", "fresh_selected_evidence": [{"packet": "[internal evidence reference]", "sha256": "336c619c2143dbd8cb3dbd6001d7e85caeb5008d47064ebe3fd12e27a4bb9887", "chunk": 0, "URL": "https://www.consumerfinance.gov/rules-policy/regulations/1026/2/", "packet_character_bounds_half_open": [0, 9186], "returned_native_ranges": [[232, 237], [304, 306], [313, 327], [352, 385]], "access_failure": false, "search_miss": false, "actual_selected_lines_read": [[361, 362]], "metadata_navigation_or_unselected_only": false, "complete_native_block_retained": true, "parsed_text_not_pixels": true}, {"packet": "[internal evidence reference]", "sha256": "336c619c2143dbd8cb3dbd6001d7e85caeb5008d47064ebe3fd12e27a4bb9887", "chunk": 1, "URL": "https://www.consumerfinance.gov/rules-policy/regulations/1026/5/", "packet_character_bounds_half_open": [9268, 14466], "returned_native_ranges": [[283, 319]], "access_failure": false, "search_miss": false, "actual_selected_lines_read": [[289, 305]], "metadata_navigation_or_unselected_only": false, "complete_native_block_retained": true, "parsed_text_not_pixels": true}, {"packet": "[internal evidence reference]", "sha256": "336c619c2143dbd8cb3dbd6001d7e85caeb5008d47064ebe3fd12e27a4bb9887", "chunk": 2, "URL": "https://www.consumerfinance.gov/rules-policy/regulations/1026/46/", "packet_character_bounds_half_open": [14548, 35009], "returned_native_ranges": [[36, 40], [45, 142]], "access_failure": false, "search_miss": false, "actual_selected_lines_read": [[104, 129]], "metadata_navigation_or_unselected_only": false, "complete_native_block_retained": true, "parsed_text_not_pixels": true}], "no_actual_application_or_current_law_certificate": true, "reviewed_at": "2026-10-29T08:39:09.642740+00:00"}
R011-P1-S006 Saved research record

NCUA/eCFR, 12 CFR 701.21: https://www.ecfr.gov/current/title-12/chapter-VII/subchapter-A/part-701/section-701.21

Recorded check status: selected primary passages checked with holds

Exact clauses, printed pages/PDF indexes, and actual read bounds
Complete (c)(7)(i)–(iii); selected (iv) comparison. PALs I mandatory conditions distinguished from associated best-practice guidance.
Version/effective predicate; reading status and limits
U.S. federal credit-union regulation. Fresh text read. The currently applicable Board-set general interest ceiling was not separately verified; no fixed current PAL rate is asserted.
Direct source URLs
https://www.ecfr.gov/current/title-12/chapter-VII/subchapter-A/part-701/section-701.21
https://www.ecfr.gov/current/title-12/chapter-VII/subchapter-A/part-701/section-701.21?utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review
{"coordinator_status": "selected_primary_passages_checked_with_holds", "coordinator_scope": "Fresh eCFR selected PALs I/II text at §701.21(c)(7), including literal1000bp formula, amount/term/applicationfee and separate borrowing/membership conditions. Display title12up-to-date10/27,lastamended10/23 is titlewide; actualcurrentBoardceiling notice not fetched. PALs II not silently imported into Part1041safeharbor.", "fresh_selected_evidence": [{"packet": "[internal evidence reference]", "sha256": "838959e2722a658169f85713c298160f906f65d86b35cacbddaf6220e0c30484", "chunk": 2, "URL": "https://www.ecfr.gov/current/title-12/chapter-VII/subchapter-A/part-701/section-701.21", "packet_character_bounds_half_open": [14496, 22870], "returned_native_ranges": [[0, 115]], "access_failure": false, "search_miss": false, "actual_selected_lines_read": [[67, 69], [98, 115]], "metadata_navigation_or_unselected_only": false, "complete_native_block_retained": true, "parsed_text_not_pixels": true}, {"packet": "[internal evidence reference]", "sha256": "f5e16ac44301649b46e6fdc2b32db84a632555af4fb2f259cc8fb8553cfcbe7c", "chunk": 0, "URL": "https://www.ecfr.gov/current/title-12/chapter-VII/subchapter-A/part-701/section-701.21", "packet_character_bounds_half_open": [0, 13425], "returned_native_ranges": [[148, 232]], "access_failure": false, "search_miss": false, "actual_selected_lines_read": [[148, 173]], "metadata_navigation_or_unselected_only": false, "complete_native_block_retained": true, "parsed_text_not_pixels": true}, {"packet": "[internal evidence reference]", "sha256": "c49b7cc204ee115172cdc4c6b55da71e33aed9027d2d5761d971e8b766bbd3f4", "chunk": 0, "URL": "https://www.ecfr.gov/current/title-12/chapter-VII/subchapter-A/part-701/section-701.21", "packet_character_bounds_half_open": [0, 10248], "returned_native_ranges": [[113, 161]], "access_failure": false, "search_miss": false, "actual_selected_lines_read": [[126, 161]], "metadata_navigation_or_unselected_only": false, "complete_native_block_retained": true, "parsed_text_not_pixels": true}], "no_actual_application_or_current_law_certificate": true, "reviewed_at": "2026-10-29T08:39:09.642740+00:00"}
R011-P1-S007 Saved research record

Federal Reserve/eCFR, Regulation CC, 12 CFR 229.2: https://www.ecfr.gov/current/title-12/chapter-II/subchapter-A/part-229/subpart-A/section-229.2

Recorded check status: original researcher attributed not freshly reopened

Exact clauses, printed pages/PDF indexes, and actual read bounds
Complete paragraph (fff), remotely created check definition.
Version/effective predicate; reading status and limits
U.S. federal regulation. Fresh limited body read; no actual instrument classification.
Direct source URLs
https://www.ecfr.gov/current/title-12/chapter-II/subchapter-A/part-229/subpart-A/section-229.2

Recorded coordinator check boundaries

coordinator review
{"coordinator_status": "original_researcher_attributed_not_freshly_reopened", "coordinator_scope": "Whole original source record read and reconciled, but no fresh operative-body verification in this review. Original successful/failed/secondary/edition/selected-page and judicial-history assertions remain attributed at their recorded bounds; no authority promoted from citations alone.", "fresh_selected_evidence": [], "no_actual_application_or_current_law_certificate": true, "reviewed_at": "2026-10-29T08:39:09.642740+00:00"}
R011-P1-S008 Saved research record

FTC/eCFR, 16 CFR 310.2: https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.2

Recorded check status: original researcher attributed not freshly reopened

Exact clauses, printed pages/PDF indexes, and actual read bounds
Current paragraphs (cc) and (dd), particularly the complete remotely created payment-order definition at (dd).
Version/effective predicate; reading status and limits
U.S. federal regulation. Fresh body read. Establishes the numbering mismatch with the still-printed Part 1041 reference to (cc).
Direct source URLs
https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.2
https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.2?utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review
{"coordinator_status": "original_researcher_attributed_not_freshly_reopened", "coordinator_scope": "Whole original source record read and reconciled, but no fresh operative-body verification in this review. Original successful/failed/secondary/edition/selected-page and judicial-history assertions remain attributed at their recorded bounds; no authority promoted from citations alone.", "fresh_selected_evidence": [], "no_actual_application_or_current_law_certificate": true, "reviewed_at": "2026-10-29T08:39:09.642740+00:00"}
R011-P1-S009 Saved research record

FTC, Telemarketing Sales Rule, 89 FR 26760: https://www.federalregister.gov/documents/2024/04/16/2024-07180/telemarketing-sales-rule; official PDF https://www.govinfo.gov/content/pkg/FR-2024-04-16/pdf/2024-07180.pdf

Recorded check status: original researcher attributed not freshly reopened

Exact clauses, printed pages/PDF indexes, and actual read bounds
Printed p. 26760/index 0, dates/summary; p. 26783/index 23, complete amendatory instruction 2 redesignating former (aa)–(hh) as (bb)–(ii). Not all 27 PDF pages read.
Version/effective predicate; reading status and limits
Published April 16, 2024; relevant amendment effective May 16, 2024. Fresh final-rule text read.
Direct source URLs
https://www.federalregister.gov/documents/2024/04/16/2024-07180/telemarketing-sales-rule
https://www.govinfo.gov/content/pkg/FR-2024-04-16/pdf/2024-07180.pdf
https://www.govinfo.gov/content/pkg/FR-2024-04-16/pdf/2024-07180.pdf?utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review
{"coordinator_status": "original_researcher_attributed_not_freshly_reopened", "coordinator_scope": "Whole original source record read and reconciled, but no fresh operative-body verification in this review. Original successful/failed/secondary/edition/selected-page and judicial-history assertions remain attributed at their recorded bounds; no authority promoted from citations alone.", "fresh_selected_evidence": [], "no_actual_application_or_current_law_certificate": true, "reviewed_at": "2026-10-29T08:39:09.642740+00:00"}
R011-P1-S010 Saved research record

Congress/GPO, E-SIGN, 15 USC 7001 and 7006: https://www.govinfo.gov/link/uscode/15/7001; https://www.govinfo.gov/link/uscode/15/7006

Recorded check status: original researcher attributed not freshly reopened

Exact clauses, printed pages/PDF indexes, and actual read bounds
§ 7001(a)–(b), printed p. 2304/index 0; selected subsequent text only. § 7006(4), (5), (9), printed p. 2309/index 0.
Version/effective predicate; reading status and limits
U.S. federal statute. Fresh bounded reads; extract edition not independently established. No claim of a complete § 7001(c)–(d) audit. Part 1041’s own delivery/signature distinctions control the discussion below.
Direct source URLs
https://www.govinfo.gov/link/uscode/15/7001
https://www.govinfo.gov/link/uscode/15/7006
https://www.govinfo.gov/link/uscode/15/7001?utm_source=chatgpt.com
https://www.govinfo.gov/link/uscode/15/7006?utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review
{"coordinator_status": "original_researcher_attributed_not_freshly_reopened", "coordinator_scope": "Whole original source record read and reconciled, but no fresh operative-body verification in this review. Original successful/failed/secondary/edition/selected-page and judicial-history assertions remain attributed at their recorded bounds; no authority promoted from citations alone.", "fresh_selected_evidence": [], "no_actual_application_or_current_law_certificate": true, "reviewed_at": "2026-10-29T08:39:09.642740+00:00"}
R011-P1-S011 Saved research record

Congress/GPO, FLSA, 29 USC 203(d): https://www.govinfo.gov/link/uscode/29/203

Recorded check status: original researcher attributed not freshly reopened

Exact clauses, printed pages/PDF indexes, and actual read bounds
Complete employer definition (d), printed p. 63/index 0.
Version/effective predicate; reading status and limits
U.S. federal statute. Fresh fallback read; extract edition not independently established. No actual employment classification.
Direct source URLs
https://www.govinfo.gov/link/uscode/29/203
https://www.govinfo.gov/link/uscode/29/203?utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review
{"coordinator_status": "original_researcher_attributed_not_freshly_reopened", "coordinator_scope": "Whole original source record read and reconciled, but no fresh operative-body verification in this review. Original successful/failed/secondary/edition/selected-page and judicial-history assertions remain attributed at their recorded bounds; no authority promoted from citations alone.", "fresh_selected_evidence": [], "no_actual_application_or_current_law_certificate": true, "reviewed_at": "2026-10-29T08:39:09.642740+00:00"}
R011-P1-S012 Saved research record

CFPB, 2017 final Payday, Vehicle Title, and Certain High-Cost Installment Loans Rule, 82 FR 54472–54921: https://www.govinfo.gov/content/pkg/FR-2017-11-17/html/2017-21808.htm

Recorded check status: original researcher attributed not freshly reopened

Exact clauses, printed pages/PDF indexes, and actual read bounds
Complete front summary/dates and selected relevant preamble passages. Codified regulatory text begins at printed p. 54871; current operative clauses were read through S001. The entire 450-page publication was not read.
Version/effective predicate; reading status and limits
Published November 17, 2017; effective January 16, 2018; original general compliance August 19, 2019. Fresh HTML body read after size failures. PDF indexes unavailable because PDF retrieval failed. Historical original rule.
Direct source URLs
https://www.govinfo.gov/content/pkg/FR-2017-11-17/html/2017-21808.htm
https://www.govinfo.gov/content/pkg/FR-2017-11-17/html/2017-21808.htm?utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review
{"coordinator_status": "original_researcher_attributed_not_freshly_reopened", "coordinator_scope": "Whole original source record read and reconciled, but no fresh operative-body verification in this review. Original successful/failed/secondary/edition/selected-page and judicial-history assertions remain attributed at their recorded bounds; no authority promoted from citations alone.", "fresh_selected_evidence": [], "no_actual_application_or_current_law_certificate": true, "reviewed_at": "2026-10-29T08:39:09.642740+00:00"}
R011-P1-S013 Saved research record

CFPB, 2019 delay/correcting amendments, 84 FR 27907: https://www.federalregister.gov/documents/2019/06/17/2019-12307/payday-vehicle-title-and-certain-high-cost-installment-loans-delay-of-compliance-date-correcting; official PDF https://www.govinfo.gov/content/pkg/FR-2019-06-17/pdf/2019-12307.pdf

Recorded check status: original researcher attributed not freshly reopened

Exact clauses, printed pages/PDF indexes, and actual read bounds
Printed p. 27907/index 0, dates, summary and footnote 5; selected pp. 27922–27923/indexes 15–16; complete amendatory instructions 2–8 at p. 27929/index 22. Not the full 24-page preamble.
Version/effective predicate; reading status and limits
Published June 17, 2019; effective August 16, 2019. Historical underwriting delay to November 19, 2020 and technical corrections. Fresh text read.
Direct source URLs
https://www.federalregister.gov/documents/2019/06/17/2019-12307/payday-vehicle-title-and-certain-high-cost-installment-loans-delay-of-compliance-date-correcting
https://www.govinfo.gov/content/pkg/FR-2019-06-17/pdf/2019-12307.pdf
https://www.federalregister.gov/documents/2019/06/17/2019-12307/payday-vehicle-title-and-certain-high-cost-installment-loans-delay-of-compliance-date-correcting?utm_source=chatgpt.com
https://www.govinfo.gov/content/pkg/FR-2019-06-17/pdf/2019-12307.pdf?utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review
{"coordinator_status": "original_researcher_attributed_not_freshly_reopened", "coordinator_scope": "Whole original source record read and reconciled, but no fresh operative-body verification in this review. Original successful/failed/secondary/edition/selected-page and judicial-history assertions remain attributed at their recorded bounds; no authority promoted from citations alone.", "fresh_selected_evidence": [], "no_actual_application_or_current_law_certificate": true, "reviewed_at": "2026-10-29T08:39:09.642740+00:00"}
R011-P1-S014 Saved research record

CFPB, 2020 revocation final rule, 85 FR 44382: https://www.federalregister.gov/documents/2020/07/22/2020-14935/payday-vehicle-title-and-certain-high-cost-installment-loans; official PDF https://www.govinfo.gov/content/pkg/FR-2020-07-22/pdf/2020-14935.pdf

Recorded check status: original researcher attributed not freshly reopened

Exact clauses, printed pages/PDF indexes, and actual read bounds
Printed p. 44382/index 0, dates/summary; complete amendatory instructions 1–10, pp. 44444–44445/indexes 62–63. Revised operative comments also read through S001. Not the entire 65-page preamble.
Version/effective predicate; reading status and limits
Published July 22, 2020; effective October 20, 2020. Revoked specified underwriting provisions; did not repeal the payment regime. Fresh text read.
Direct source URLs
https://www.federalregister.gov/documents/2020/07/22/2020-14935/payday-vehicle-title-and-certain-high-cost-installment-loans
https://www.govinfo.gov/content/pkg/FR-2020-07-22/pdf/2020-14935.pdf
https://www.federalregister.gov/documents/2020/07/22/2020-14935/payday-vehicle-title-and-certain-high-cost-installment-loans?utm_source=chatgpt.com
https://www.govinfo.gov/content/pkg/FR-2020-07-22/pdf/2020-14935.pdf?utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review
{"coordinator_status": "original_researcher_attributed_not_freshly_reopened", "coordinator_scope": "Whole original source record read and reconciled, but no fresh operative-body verification in this review. Original successful/failed/secondary/edition/selected-page and judicial-history assertions remain attributed at their recorded bounds; no authority promoted from citations alone.", "fresh_selected_evidence": [], "no_actual_application_or_current_law_certificate": true, "reviewed_at": "2026-10-29T08:39:09.642740+00:00"}
R011-P1-S015 Saved research record

CFPB, Payday Lending Rule—Model Forms and Clauses, May 2019: https://files.consumerfinance.gov/f/documents/cfpb_payday_lending-models-disclosures-and-clauses.pdf

Recorded check status: original researcher attributed not freshly reopened

Exact clauses, printed pages/PDF indexes, and actual read bounds
Entire extracted text of seven PDF pages: cover index 0; A-3 index 1; A-4 index 2; A-5 index 3; A-6 index 4; A-7 index 5; A-8 index 6. Printed numeric page labels were not established.
Version/effective predicate; reading status and limits
Official generic models, dated May 2019. Fresh parsed-text read. Six screenshot attempts returned placeholders without inspectable image content. Pixels, typography and full visual layout not inspected.
Direct source URLs
https://files.consumerfinance.gov/f/documents/cfpb_payday_lending-models-disclosures-and-clauses.pdf
https://files.consumerfinance.gov/f/documents/cfpb_payday_lending-models-disclosures-and-clauses.pdf?utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review
{"coordinator_status": "original_researcher_attributed_not_freshly_reopened", "coordinator_scope": "Whole original source record read and reconciled, but no fresh operative-body verification in this review. Original successful/failed/secondary/edition/selected-page and judicial-history assertions remain attributed at their recorded bounds; no authority promoted from citations alone.", "fresh_selected_evidence": [], "no_actual_application_or_current_law_certificate": true, "reviewed_at": "2026-10-29T08:39:09.642740+00:00"}
R011-P1-S016 Saved research record

GPO, 2025 annual CFR, Part 1041: https://www.govinfo.gov/content/pkg/CFR-2025-title12-vol9/pdf/CFR-2025-title12-vol9-part1041.pdf

Recorded check status: original researcher attributed not freshly reopened

Exact clauses, printed pages/PDF indexes, and actual read bounds
Edition/header at printed p. 1029/index 0; Supplement I comment 7-1 at p. 1054/index 25; selected cross-check passages. Not all 37 pages read.
Version/effective predicate; reading status and limits
Official annual edition revised January 1, 2025. Fresh selected text read; historical edition, not proof of October 2026 completeness. Same regulatory body as S001.
Direct source URLs
https://www.govinfo.gov/content/pkg/CFR-2025-title12-vol9/pdf/CFR-2025-title12-vol9-part1041.pdf
https://www.govinfo.gov/content/pkg/CFR-2025-title12-vol9/pdf/CFR-2025-title12-vol9-part1041.pdf?utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review
{"coordinator_status": "original_researcher_attributed_not_freshly_reopened", "coordinator_scope": "Whole original source record read and reconciled, but no fresh operative-body verification in this review. Original successful/failed/secondary/edition/selected-page and judicial-history assertions remain attributed at their recorded bounds; no authority promoted from citations alone.", "fresh_selected_evidence": [], "no_actual_application_or_current_law_certificate": true, "reviewed_at": "2026-10-29T08:39:09.642740+00:00"}
R011-P1-S017 Saved research record

Fifth Circuit, Community Financial Services Association of America, Ltd. v. CFPB, 51 F.4th 616 (2022): https://www.ca5.uscourts.gov/opinions/pub/21/21-50826-CV0.pdf

Recorded check status: original researcher attributed not freshly reopened

Exact clauses, printed pages/PDF indexes, and actual read bounds
Published panel majority, October 19, 2022. Printed pp. 1–15/indexes 0–14 read through overlapping body opens; beginning of p. 16/index 15; selected pp. 37–39/indexes 36–38, including disposition. Relevant pinpoints: p. 6 procedural history; p. 9 n.1; pp. 12–16 payment-rule challenges; p. 39 disposition.
Version/effective predicate; reading status and limits
U.S. federal appellate authority, Fifth Circuit. Historical funding holding/vacatur reversed in 2024. Not the entire opinion read; later history checked only to the extent S018–S019 establish. No docket query.
Direct source URLs
https://www.ca5.uscourts.gov/opinions/pub/21/21-50826-CV0.pdf
https://www.ca5.uscourts.gov/opinions/pub/21/21-50826-CV0.pdf?utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review
{"coordinator_status": "original_researcher_attributed_not_freshly_reopened", "coordinator_scope": "Whole original source record read and reconciled, but no fresh operative-body verification in this review. Original successful/failed/secondary/edition/selected-page and judicial-history assertions remain attributed at their recorded bounds; no authority promoted from citations alone.", "fresh_selected_evidence": [], "no_actual_application_or_current_law_certificate": true, "reviewed_at": "2026-10-29T08:39:09.642740+00:00"}
R011-P1-S018 Saved research record

Supreme Court, CFPB v. Community Financial Services Association of America, Ltd., 601 U.S. 416 (2024): https://www.supremecourt.gov/opinions/23pdf/601us2r21_7648.pdf

Recorded check status: selected primary passages checked with holds

Exact clauses, printed pages/PDF indexes, and actual read bounds
Actual Thomas majority passages, not merely syllabus: printed pp. 420–421/indexes 5–6; pp. 423–425/indexes 8–10; p. 435/index 20; p. 441/index 26, including reversal/remand. Selected other passages encountered; not all 58 PDF pages or the whole majority read.
Version/effective predicate; reading status and limits
Decided May 16, 2024. Official preliminary print, subject to revision. U.S. Supreme Court. Narrow Appropriations Clause holding; no comprehensive Part 1041 or later-history certificate.
Direct source URLs
https://www.supremecourt.gov/opinions/23pdf/601us2r21_7648.pdf
https://www.supremecourt.gov/opinions/23pdf/601us2r21_7648.pdf?utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review
{"coordinator_status": "selected_primary_passages_checked_with_holds", "coordinator_scope": "Selected fresh official preliminary-print metadata, syllabus identified as such, and actual majority §V printed441/index26/L785–791 confirms reversal/remand. Not whole58pages, all reasoning/concurrences/dissent, final bound revision or later history. Parsed text only, no pixels.", "fresh_selected_evidence": [{"packet": "[internal evidence reference]", "sha256": "f5e16ac44301649b46e6fdc2b32db84a632555af4fb2f259cc8fb8553cfcbe7c", "chunk": 2, "URL": "https://www.supremecourt.gov/opinions/23pdf/601us2r21_7648.pdf", "packet_character_bounds_half_open": [26372, 35601], "returned_native_ranges": [[0, 106]], "access_failure": false, "search_miss": false, "actual_selected_lines_read": [[0, 13], [21, 35]], "metadata_navigation_or_unselected_only": false, "complete_native_block_retained": true, "parsed_text_not_pixels": true}, {"packet": "[internal evidence reference]", "sha256": "c49b7cc204ee115172cdc4c6b55da71e33aed9027d2d5761d971e8b766bbd3f4", "chunk": 1, "URL": "https://www.supremecourt.gov/opinions/23pdf/601us2r21_7648.pdf", "packet_character_bounds_half_open": [10330, 20886], "returned_native_ranges": [[82, 196]], "access_failure": false, "search_miss": false, "actual_selected_lines_read": [[116, 121]], "metadata_navigation_or_unselected_only": false, "complete_native_block_retained": true, "parsed_text_not_pixels": true}, {"packet": "[internal evidence reference]", "sha256": "3a9cb5bc02871d1edfbb01d668a40fb16398b9736b915bdf5b25c495bc19c8e4", "chunk": 2, "URL": "https://www.supremecourt.gov/opinions/23pdf/601us2r21_7648.pdf", "packet_character_bounds_half_open": [16563, 29940], "returned_native_ranges": [[737, 890]], "access_failure": false, "search_miss": false, "actual_selected_lines_read": [[785, 791]], "metadata_navigation_or_unselected_only": false, "complete_native_block_retained": true, "parsed_text_not_pixels": true}], "no_actual_application_or_current_law_certificate": true, "reviewed_at": "2026-10-29T08:39:09.642740+00:00"}
R011-P1-S019 Saved research record

Fifth Circuit, published remand opinion, 104 F.4th 930 (2024): https://www.ca5.uscourts.gov/opinions/pub/21/21-50826-CV1.pdf

Recorded check status: selected primary passages checked with holds

Exact clauses, printed pages/PDF indexes, and actual read bounds
Entire two-page per curiam opinion: printed pp. 1–2/indexes 0–1.
Version/effective predicate; reading status and limits
Published June 19, 2024. Reinstated the judgment on alternative arguments and rendered judgment consistent with the Supreme Court’s funding holding. No later docket/mandate-status investigation.
Direct source URLs
https://www.ca5.uscourts.gov/opinions/pub/21/21-50826-CV1.pdf
https://www.ca5.uscourts.gov/opinions/pub/21/21-50826-CV1.pdf?utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review
{"coordinator_status": "selected_primary_passages_checked_with_holds", "coordinator_scope": "Fresh entire two-page published remand opinion, nativeL0–49, including operative alternative-argument reinstatement/constitutional judgment atL33–46. No docket/private inquiry, later mandate/rehearing/order status or complete stay chain.", "fresh_selected_evidence": [{"packet": "[internal evidence reference]", "sha256": "23c969be1226780155cb111d4890cbf119c4a256175bb4e705f70af901afb8e9", "chunk": 2, "URL": "https://www.ca5.uscourts.gov/opinions/pub/21/21-50826-CV1.pdf", "packet_character_bounds_half_open": [7875, 10656], "returned_native_ranges": [[0, 49]], "access_failure": false, "search_miss": false, "actual_selected_lines_read": [[0, 49]], "metadata_navigation_or_unselected_only": false, "complete_native_block_retained": true, "parsed_text_not_pixels": true}], "no_actual_application_or_current_law_certificate": true, "reviewed_at": "2026-10-29T08:39:09.642740+00:00"}
R011-P1-S020 Saved research record

CFPB, “CFPB Offers Regulatory Relief for Small Loan Providers”: https://www.consumerfinance.gov/about-us/newsroom/cfpb-offers-regulatory-relief-for-small-loan-providers/

Recorded check status: selected primary passages checked with holds

Exact clauses, printed pages/PDF indexes, and actual read bounds
Entire operative announcement paragraphs.
Version/effective predicate; reading status and limits
Dated March 28, 2025; stated payment provisions become operative March 30, 2025. Agency enforcement/supervision prioritization, not a legislative rule repealing Part 1041. Fresh body read.
Direct source URLs
https://www.consumerfinance.gov/about-us/newsroom/cfpb-offers-regulatory-relief-for-small-loan-providers/
https://www.consumerfinance.gov/about-us/newsroom/cfpb-offers-regulatory-relief-for-small-loan-providers/?utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review
{"coordinator_status": "selected_primary_passages_checked_with_holds", "coordinator_scope": "Fresh whole operative March28,2025 announcementL19–23 plus dateline/lastmodified. Nonprioritization concerns penalties/fines, contemplates proposed narrowing; does not state repeal or create judicial stay. No later-policy complete audit.", "fresh_selected_evidence": [{"packet": "[internal evidence reference]", "sha256": "23c969be1226780155cb111d4890cbf119c4a256175bb4e705f70af901afb8e9", "chunk": 3, "URL": "https://www.consumerfinance.gov/about-us/newsroom/cfpb-offers-regulatory-relief-for-small-loan-providers/", "packet_character_bounds_half_open": [10738, 13212], "returned_native_ranges": [[0, 44]], "access_failure": false, "search_miss": false, "actual_selected_lines_read": [[19, 23], [35, 35]], "metadata_navigation_or_unselected_only": false, "complete_native_block_retained": true, "parsed_text_not_pixels": true}], "no_actual_application_or_current_law_certificate": true, "reviewed_at": "2026-10-29T08:39:09.642740+00:00"}
R011-P1-S021 Saved research record

CFPB, Payday Lending Rule compliance resources: https://www.consumerfinance.gov/compliance/compliance-resources/consumer-lending-resources/payday-lending-rule/

Recorded check status: selected primary passages checked with holds

Exact clauses, printed pages/PDF indexes, and actual read bounds
Main resource-page body, including the continued link to S020.
Version/effective predicate; reading status and limits
Page displayed last modification June 1, 2026. Fresh status/resource read. Resource-page currency is not a complete legal-currentness audit.
Direct source URLs
https://www.consumerfinance.gov/compliance/compliance-resources/consumer-lending-resources/payday-lending-rule/
https://www.consumerfinance.gov/compliance/compliance-resources/consumer-lending-resources/payday-lending-rule/?utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review
{"coordinator_status": "selected_primary_passages_checked_with_holds", "coordinator_scope": "Fresh selected resource page link/content and lastmodifiedJun1,2026. Link toMarch2025announcement is not independent substantive corroboration or a later-law certificate.", "fresh_selected_evidence": [{"packet": "[internal evidence reference]", "sha256": "3a9cb5bc02871d1edfbb01d668a40fb16398b9736b915bdf5b25c495bc19c8e4", "chunk": 1, "URL": "https://www.consumerfinance.gov/compliance/compliance-resources/consumer-lending-resources/payday-lending-rule/", "packet_character_bounds_half_open": [11968, 16481], "returned_native_ranges": [[0, 121]], "access_failure": false, "search_miss": false, "actual_selected_lines_read": [[24, 97]], "metadata_navigation_or_unselected_only": false, "complete_native_block_retained": true, "parsed_text_not_pixels": true}], "no_actual_application_or_current_law_certificate": true, "reviewed_at": "2026-10-29T08:39:09.642740+00:00"}
R011-P1-S022 Saved research record

CFPB, Withdrawn Guidance register: https://www.consumerfinance.gov/compliance/guidance/withdrawn-guidance/

Recorded check status: original researcher attributed not freshly reopened

Exact clauses, printed pages/PDF indexes, and actual read bounds
Entire displayed withdrawal list read, including relevant earned-wage-access, education-credit and overdraft entries.
Version/effective predicate; reading status and limits
Displayed last modification July 22, 2026. Fresh register read. No circular, bulletin or advisory was used as a substantive foundation here. Absence from the list is not an exhaustive status certificate.
Direct source URLs
https://www.consumerfinance.gov/compliance/guidance/withdrawn-guidance/
https://www.consumerfinance.gov/compliance/guidance/withdrawn-guidance/?utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review
{"coordinator_status": "original_researcher_attributed_not_freshly_reopened", "coordinator_scope": "Whole original source record read and reconciled, but no fresh operative-body verification in this review. Original successful/failed/secondary/edition/selected-page and judicial-history assertions remain attributed at their recorded bounds; no authority promoted from citations alone.", "fresh_selected_evidence": [], "no_actual_application_or_current_law_certificate": true, "reviewed_at": "2026-10-29T08:39:09.642740+00:00"}
R011-P1-S023 Saved research record

CFPB, Interpretive Rules, Policy Statements, and Advisory Opinions; Withdrawal, 90 FR 20084: https://www.federalregister.gov/documents/2025/05/12/2025-08286/interpretive-rules-policy-statements-and-advisory-opinions-withdrawal; official PDF https://www.govinfo.gov/content/pkg/FR-2025-05-12/pdf/2025-08286.pdf

Recorded check status: original researcher attributed not freshly reopened

Exact clauses, printed pages/PDF indexes, and actual read bounds
Printed p. 20084/index 0, summary/dates; p. 20085/index 1, operative withdrawal discussion; selected § II. Entire § III PDF list not independently read; S022 supplied the complete displayed register.
Version/effective predicate; reading status and limits
Applicable May 12, 2025. Fresh bounded publication read. Guidance withdrawal is not statutory or regulatory repeal.
Direct source URLs
https://www.federalregister.gov/documents/2025/05/12/2025-08286/interpretive-rules-policy-statements-and-advisory-opinions-withdrawal
https://www.govinfo.gov/content/pkg/FR-2025-05-12/pdf/2025-08286.pdf
https://www.federalregister.gov/documents/2025/05/12/2025-08286/interpretive-rules-policy-statements-and-advisory-opinions-withdrawal?utm_source=chatgpt.com
https://www.govinfo.gov/content/pkg/FR-2025-05-12/pdf/2025-08286.pdf?utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review
{"coordinator_status": "original_researcher_attributed_not_freshly_reopened", "coordinator_scope": "Whole original source record read and reconciled, but no fresh operative-body verification in this review. Original successful/failed/secondary/edition/selected-page and judicial-history assertions remain attributed at their recorded bounds; no authority promoted from citations alone.", "fresh_selected_evidence": [], "no_actual_application_or_current_law_certificate": true, "reviewed_at": "2026-10-29T08:39:09.642740+00:00"}
R011-P1-S024 Saved research record

GPO, attempted 2026 annual CFR Part 1041: https://www.govinfo.gov/content/pkg/CFR-2026-title12-vol9/pdf/CFR-2026-title12-vol9-part1041.pdf

Recorded check status: original recorded access failure preserved not retried

Exact clauses, printed pages/PDF indexes, and actual read bounds
Body retrieval failed. No pages or pixels read.
Version/effective predicate; reading status and limits
Failure record only; no authority inferred from failure. The 2026 annual-edition verification remains unresolved.
Direct source URLs
https://www.govinfo.gov/content/pkg/CFR-2026-title12-vol9/pdf/CFR-2026-title12-vol9-part1041.pdf

Recorded coordinator check boundaries

coordinator review
{"coordinator_status": "original_recorded_access_failure_preserved_not_retried", "coordinator_scope": "Whole original source record read and reconciled, but no fresh operative-body verification in this review. Original successful/failed/secondary/edition/selected-page and judicial-history assertions remain attributed at their recorded bounds; no authority promoted from citations alone.", "fresh_selected_evidence": [], "no_actual_application_or_current_law_certificate": true, "reviewed_at": "2026-10-29T08:39:09.642740+00:00"}

What was examined—and what is still missing

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

coverage-1 Saved research record

Consumer definition

Recorded check status: recorded; no individual primary acceptance inferred

Coverage result
Answered generically
Claim/example links
C014
Exact missing authority or facts
Actual individual/representative relationship
Next bounded permissible investigation
No public-law search can establish held personal facts

Recorded coordinator check boundaries

coordinator acceptance
scoped_coordinator_review_with_retained_holds_not_parent_acceptance
coordinator review
{"reviewed_at": "2026-10-29T08:39:09.642740+00:00", "identity": "delegated_coordinator_not_independent", "all_original_gap_and_next_action_text_retained": true, "source_checks": "[internal evidence reference]"}
coverage-2 Saved research record

Lender definition and regularity

Recorded check status: recorded; no individual primary acceptance inferred

Coverage result
Answered generically
Claim/example links
C015
Exact missing authority or facts
Actual lending counts, periods and organizational relationships
Next bounded permissible investigation
Generic published interpretation only if a new definitional issue arises

Recorded coordinator check boundaries

coordinator acceptance
scoped_coordinator_review_with_retained_holds_not_parent_acceptance
coordinator review
{"reviewed_at": "2026-10-29T08:39:09.642740+00:00", "identity": "delegated_coordinator_not_independent", "all_original_gap_and_next_action_text_retained": true, "source_checks": "[internal evidence reference]"}
coverage-3 Saved research record

Account definition

Recorded check status: recorded; no individual primary acceptance inferred

Coverage result
Partial: necessary definition read
Claim/example links
C016
Exact missing authority or facts
Actual deposit/prepaid/trust features
Next bounded permissible investigation
Bounded generic Reg E prepaid-definition research if needed; no account query

Recorded coordinator check boundaries

coordinator acceptance
scoped_coordinator_review_with_retained_holds_not_parent_acceptance
coordinator review
{"reviewed_at": "2026-10-29T08:39:09.642740+00:00", "identity": "delegated_coordinator_not_independent", "all_original_gap_and_next_action_text_retained": true, "source_checks": "[internal evidence reference]"}
coverage-4 Saved research record

Credit/open-/closed-end structure

Recorded check status: recorded; no individual primary acceptance inferred

Coverage result
Answered generically
Claim/example links
C017
Exact missing authority or facts
Actual plan and advance structure
Next bounded permissible investigation
Generic official interpretation of a disputed structural feature

Recorded coordinator check boundaries

coordinator acceptance
scoped_coordinator_review_with_retained_holds_not_parent_acceptance
coordinator review
{"reviewed_at": "2026-10-29T08:39:09.642740+00:00", "identity": "delegated_coordinator_not_independent", "all_original_gap_and_next_action_text_retained": true, "source_checks": "[internal evidence reference]"}
coverage-5 Saved research record

Consummation

Recorded check status: recorded; no individual primary acceptance inferred

Coverage result
Answered federal definition; application unresolved
Claim/example links
C018
Exact missing authority or facts
Governing law and contractual obligation event
Next bounded permissible investigation
Parent-held contract/state-law investigation only if separately assigned

Recorded coordinator check boundaries

coordinator acceptance
scoped_coordinator_review_with_retained_holds_not_parent_acceptance
coordinator review
{"reviewed_at": "2026-10-29T08:39:09.642740+00:00", "identity": "delegated_coordinator_not_independent", "all_original_gap_and_next_action_text_retained": true, "source_checks": "[internal evidence reference]"}
coverage-6 Saved research record

Lender/service provider/agent distinctions

Recorded check status: recorded; no individual primary acceptance inferred

Coverage result
Answered generically
Claim/example links
C019, C041, C051
Exact missing authority or facts
Actual agency/material-service/control facts
Next bounded permissible investigation
Published generic interpretations; no entity search

Recorded coordinator check boundaries

coordinator acceptance
scoped_coordinator_review_with_retained_holds_not_parent_acceptance
coordinator review
{"reviewed_at": "2026-10-29T08:39:09.642740+00:00", "identity": "delegated_coordinator_not_independent", "all_original_gap_and_next_action_text_retained": true, "source_checks": "[internal evidence reference]"}
coverage-7 Saved research record

Household primary purpose

Recorded check status: recorded; no individual primary acceptance inferred

Coverage result
Answered generically
Claim/example links
C020
Exact missing authority or facts
Actual purpose and mixed-use facts
Next bounded permissible investigation
Generic primary-purpose interpretation only

Recorded coordinator check boundaries

coordinator acceptance
scoped_coordinator_review_with_retained_holds_not_parent_acceptance
coordinator review
{"reviewed_at": "2026-10-29T08:39:09.642740+00:00", "identity": "delegated_coordinator_not_independent", "all_original_gap_and_next_action_text_retained": true, "source_checks": "[internal evidence reference]"}
coverage-8 Saved research record

Short-term predicate

Recorded check status: recorded; no individual primary acceptance inferred

Coverage result
Answered generically
Claim/example links
C021
Exact missing authority or facts
Required schedule, sweep right, applicable-law breach condition
Next bounded permissible investigation
Published interpretation of ambiguous schedules; actual facts held

Recorded coordinator check boundaries

coordinator acceptance
scoped_coordinator_review_with_retained_holds_not_parent_acceptance
coordinator review
{"reviewed_at": "2026-10-29T08:39:09.642740+00:00", "identity": "delegated_coordinator_not_independent", "all_original_gap_and_next_action_text_retained": true, "source_checks": "[internal evidence reference]"}
coverage-9 Saved research record

Balloon predicate

Recorded check status: recorded; no individual primary acceptance inferred

Coverage result
Answered generically
Claim/example links
C022
Exact missing authority or facts
Required payments and permissible exclusions
Next bounded permissible investigation
No actual amortization or contract calculation in this component

Recorded coordinator check boundaries

coordinator acceptance
scoped_coordinator_review_with_retained_holds_not_parent_acceptance
coordinator review
{"reviewed_at": "2026-10-29T08:39:09.642740+00:00", "identity": "delegated_coordinator_not_independent", "all_original_gap_and_next_action_text_retained": true, "source_checks": "[internal evidence reference]"}
coverage-10 Saved research record

Longer-term cost-plus-mechanism predicate

Recorded check status: recorded; no individual primary acceptance inferred

Coverage result
Partial by scope
Claim/example links
C023–C025, E001
Exact missing authority or facts
Complete APR/finance-charge inputs and actual pull right
Next bounded permissible investigation
Full APR/fee work remains parent-held; generic mechanism questions may be bounded

Recorded coordinator check boundaries

coordinator acceptance
scoped_coordinator_review_with_retained_holds_not_parent_acceptance
coordinator review
{"reviewed_at": "2026-10-29T08:39:09.642740+00:00", "identity": "delegated_coordinator_not_independent", "all_original_gap_and_next_action_text_retained": true, "source_checks": "[internal evidence reference]"}
coverage-11 Saved research record

Coverage arising after origination

Recorded check status: recorded; no individual primary acceptance inferred

Coverage result
Answered generically
Claim/example links
C024–C025, C077
Exact missing authority or facts
Actual cycle-end cost and mechanism-acquisition chronology
Next bounded permissible investigation
Generic primary interpretation only

Recorded coordinator check boundaries

coordinator acceptance
scoped_coordinator_review_with_retained_holds_not_parent_acceptance
coordinator review
{"reviewed_at": "2026-10-29T08:39:09.642740+00:00", "identity": "delegated_coordinator_not_independent", "all_original_gap_and_next_action_text_retained": true, "source_checks": "[internal evidence reference]"}
coverage-12 Saved research record

Purchase-money exclusion

Recorded check status: recorded; no individual primary acceptance inferred

Coverage result
Answered generically
Claim/example links
C026, E002
Exact missing authority or facts
Sole initial-purchase purpose, security, refinance status
Next bounded permissible investigation
Actual classification held

Recorded coordinator check boundaries

coordinator acceptance
scoped_coordinator_review_with_retained_holds_not_parent_acceptance
coordinator review
{"reviewed_at": "2026-10-29T08:39:09.642740+00:00", "identity": "delegated_coordinator_not_independent", "all_original_gap_and_next_action_text_retained": true, "source_checks": "[internal evidence reference]"}
coverage-13 Saved research record

Real-property/dwelling exclusion

Recorded check status: recorded; no individual primary acceptance inferred

Coverage result
Answered generically
Claim/example links
C027
Exact missing authority or facts
Use as dwelling and perfection/recording during term
Next bounded permissible investigation
Property and recording queries excluded

Recorded coordinator check boundaries

coordinator acceptance
scoped_coordinator_review_with_retained_holds_not_parent_acceptance
coordinator review
{"reviewed_at": "2026-10-29T08:39:09.642740+00:00", "identity": "delegated_coordinator_not_independent", "all_original_gap_and_next_action_text_retained": true, "source_checks": "[internal evidence reference]"}
coverage-14 Saved research record

Credit-card exclusion

Recorded check status: recorded; no individual primary acceptance inferred

Coverage result
Answered generically
Claim/example links
C028
Exact missing authority or facts
Defined credit-card-account features
Next bounded permissible investigation
No account/product query

Recorded coordinator check boundaries

coordinator acceptance
scoped_coordinator_review_with_retained_holds_not_parent_acceptance
coordinator review
{"reviewed_at": "2026-10-29T08:39:09.642740+00:00", "identity": "delegated_coordinator_not_independent", "all_original_gap_and_next_action_text_retained": true, "source_checks": "[internal evidence reference]"}
coverage-15 Saved research record

Education-credit exclusion

Recorded check status: recorded; no individual primary acceptance inferred

Coverage result
Partial beyond necessary cross-definition
Claim/example links
C029
Exact missing authority or facts
Actual Title IV/private-education classification; underlying HEA institutional/program facts
Next bounded permissible investigation
Generic HEA cross-definition research if separately needed

Recorded coordinator check boundaries

coordinator acceptance
scoped_coordinator_review_with_retained_holds_not_parent_acceptance
coordinator review
{"reviewed_at": "2026-10-29T08:39:09.642740+00:00", "identity": "delegated_coordinator_not_independent", "all_original_gap_and_next_action_text_retained": true, "source_checks": "[internal evidence reference]"}
coverage-16 Saved research record

Pawn exclusion

Recorded check status: recorded; no individual primary acceptance inferred

Coverage result
Answered generically
Claim/example links
C030, E003
Exact missing authority or facts
Possession/use throughout term and recourse
Next bounded permissible investigation
Collateral/forfeiture law remains held

Recorded coordinator check boundaries

coordinator acceptance
scoped_coordinator_review_with_retained_holds_not_parent_acceptance
coordinator review
{"reviewed_at": "2026-10-29T08:39:09.642740+00:00", "identity": "delegated_coordinator_not_independent", "all_original_gap_and_next_action_text_retained": true, "source_checks": "[internal evidence reference]"}
coverage-17 Saved research record

Overdraft exclusion

Recorded check status: recorded; no individual primary acceptance inferred

Coverage result
Answered only for Part 1041 scope
Claim/example links
C031
Exact missing authority or facts
Actual service/line classification
Next bounded permissible investigation
No R010 incorporation; broader overdraft law remains held

Recorded coordinator check boundaries

coordinator acceptance
scoped_coordinator_review_with_retained_holds_not_parent_acceptance
coordinator review
{"reviewed_at": "2026-10-29T08:39:09.642740+00:00", "identity": "delegated_coordinator_not_independent", "all_original_gap_and_next_action_text_retained": true, "source_checks": "[internal evidence reference]"}
coverage-18 Saved research record

Wage-advance exclusion

Recorded check status: recorded; no individual primary acceptance inferred

Coverage result
Answered federal predicates; state element held
Claim/example links
C032
Exact missing authority or facts
Employer/partner facts, accrued wages under state law, contract warranties
Next bounded permissible investigation
Generic state-law component only if separately assigned

Recorded coordinator check boundaries

coordinator acceptance
scoped_coordinator_review_with_retained_holds_not_parent_acceptance
coordinator review
{"reviewed_at": "2026-10-29T08:39:09.642740+00:00", "identity": "delegated_coordinator_not_independent", "all_original_gap_and_next_action_text_retained": true, "source_checks": "[internal evidence reference]"}
coverage-19 Saved research record

No-cost-advance exclusion

Recorded check status: recorded; no individual primary acceptance inferred

Coverage result
Answered generically
Claim/example links
C033
Exact missing authority or facts
Required charges and complete preadvance warranties
Next bounded permissible investigation
Actual contract facts held

Recorded coordinator check boundaries

coordinator acceptance
scoped_coordinator_review_with_retained_holds_not_parent_acceptance
coordinator review
{"reviewed_at": "2026-10-29T08:39:09.642740+00:00", "identity": "delegated_coordinator_not_independent", "all_original_gap_and_next_action_text_retained": true, "source_checks": "[internal evidence reference]"}
coverage-20 Saved research record

Alternative-loan term conditions

Recorded check status: recorded; no individual primary acceptance inferred

Coverage result
Answered generically
Claim/example links
C034
Exact missing authority or facts
Actual amounts, schedule, charges, amortization
Next bounded permissible investigation
No actual loan calculation

Recorded coordinator check boundaries

coordinator acceptance
scoped_coordinator_review_with_retained_holds_not_parent_acceptance
coordinator review
{"reviewed_at": "2026-10-29T08:39:09.642740+00:00", "identity": "delegated_coordinator_not_independent", "all_original_gap_and_next_action_text_retained": true, "source_checks": "[internal evidence reference]"}
coverage-21 Saved research record

Alternative borrowing-history condition

Recorded check status: recorded; no individual primary acceptance inferred

Coverage result
Answered generically
Claim/example links
C035
Exact missing authority or facts
Own-record history and outstanding-status periods
Next bounded permissible investigation
No consumer-record request/search

Recorded coordinator check boundaries

coordinator acceptance
scoped_coordinator_review_with_retained_holds_not_parent_acceptance
coordinator review
{"reviewed_at": "2026-10-29T08:39:09.642740+00:00", "identity": "delegated_coordinator_not_independent", "all_original_gap_and_next_action_text_retained": true, "source_checks": "[internal evidence reference]"}
coverage-22 Saved research record

Alternative recurring-income condition

Recorded check status: recorded; no individual primary acceptance inferred

Coverage result
Answered generically
Claim/example links
C036
Exact missing authority or facts
Actual policies and compliance
Next bounded permissible investigation
Full underwriting remains held

Recorded coordinator check boundaries

coordinator acceptance
scoped_coordinator_review_with_retained_holds_not_parent_acceptance
coordinator review
{"reviewed_at": "2026-10-29T08:39:09.642740+00:00", "identity": "delegated_coordinator_not_independent", "all_original_gap_and_next_action_text_retained": true, "source_checks": "[internal evidence reference]"}
coverage-23 Saved research record

PALs I safe harbor

Recorded check status: recorded; no individual primary acceptance inferred

Coverage result
Partial
Claim/example links
C037
Exact missing authority or facts
Current Board ceiling and actual compliance with every NCUA condition
Next bounded permissible investigation
Current official NCUA Board/Letter rate authority; no credit-union lookup

Recorded coordinator check boundaries

coordinator acceptance
scoped_coordinator_review_with_retained_holds_not_parent_acceptance
coordinator review
{"reviewed_at": "2026-10-29T08:39:09.642740+00:00", "identity": "delegated_coordinator_not_independent", "all_original_gap_and_next_action_text_retained": true, "source_checks": "[internal evidence reference]"}
coverage-24 Saved research record

Accommodation exemption

Recorded check status: recorded; no individual primary acceptance inferred

Coverage result
Answered generic formula; actual result unresolved
Claim/example links
C038–C039
Exact missing authority or facts
Affiliate counts, receipts, tax years, forecasts
Next bounded permissible investigation
No entity/financial-record search

Recorded coordinator check boundaries

coordinator acceptance
scoped_coordinator_review_with_retained_holds_not_parent_acceptance
coordinator review
{"reviewed_at": "2026-10-29T08:39:09.642740+00:00", "identity": "delegated_coordinator_not_independent", "all_original_gap_and_next_action_text_retained": true, "source_checks": "[internal evidence reference]"}
coverage-25 Saved research record

Tribal/product label and actual classification

Recorded check status: recorded; no individual primary acceptance inferred

Coverage result
Unresolved by express hold
Claim/example links
C040
Exact missing authority or facts
Sovereign authority, governing law, actual product terms
Next bounded permissible investigation
Separate parent component if authorized

Recorded coordinator check boundaries

coordinator acceptance
scoped_coordinator_review_with_retained_holds_not_parent_acceptance
coordinator review
{"reviewed_at": "2026-10-29T08:39:09.642740+00:00", "identity": "delegated_coordinator_not_independent", "all_original_gap_and_next_action_text_retained": true, "source_checks": "[internal evidence reference]"}
coverage-26 Saved research record

Payment-transfer purpose and methods

Recorded check status: recorded; no individual primary acceptance inferred

Coverage result
Answered generically
Claim/example links
C041–C043
Exact missing authority or facts
Actual initiation/purpose/instrument facts
Next bounded permissible investigation
Published generic instrument authority if necessary

Recorded coordinator check boundaries

coordinator acceptance
scoped_coordinator_review_with_retained_holds_not_parent_acceptance
coordinator review
{"reviewed_at": "2026-10-29T08:39:09.642740+00:00", "identity": "delegated_coordinator_not_independent", "all_original_gap_and_next_action_text_retained": true, "source_checks": "[internal evidence reference]"}
coverage-27 Saved research record

Account-holding no-fee/no-closure exclusion

Recorded check status: recorded; no individual primary acceptance inferred

Coverage result
Answered generically
Claim/example links
C044, E009
Exact missing authority or facts
Contract terms effective from inception through duration
Next bounded permissible investigation
Actual agreements held

Recorded coordinator check boundaries

coordinator acceptance
scoped_coordinator_review_with_retained_holds_not_parent_acceptance
coordinator review
{"reviewed_at": "2026-10-29T08:39:09.642740+00:00", "identity": "delegated_coordinator_not_independent", "all_original_gap_and_next_action_text_retained": true, "source_checks": "[internal evidence reference]"}
coverage-28 Saved research record

Identified unfair/abusive practice

Recorded check status: recorded; no individual primary acceptance inferred

Coverage result
Answered narrowly
Claim/example links
C045
Exact missing authority or facts
Actual compliance and any independent legal theory
Next bounded permissible investigation
No individual liability/remedy investigation

Recorded coordinator check boundaries

coordinator acceptance
scoped_coordinator_review_with_retained_holds_not_parent_acceptance
coordinator review
{"reviewed_at": "2026-10-29T08:39:09.642740+00:00", "identity": "delegated_coordinator_not_independent", "all_original_gap_and_next_action_text_retained": true, "source_checks": "[internal evidence reference]"}
coverage-29 Saved research record

NSF versus other return reasons

Recorded check status: recorded; no individual primary acceptance inferred

Coverage result
Answered generically
Claim/example links
C047–C048, E005
Exact missing authority or facts
Actual reason, available funds, internal transfer facts
Next bounded permissible investigation
No return-record query

Recorded coordinator check boundaries

coordinator acceptance
scoped_coordinator_review_with_retained_holds_not_parent_acceptance
coordinator review
{"reviewed_at": "2026-10-29T08:39:09.642740+00:00", "identity": "delegated_coordinator_not_independent", "all_original_gap_and_next_action_text_retained": true, "source_checks": "[internal evidence reference]"}
coverage-30 Saved research record

First failure

Recorded check status: recorded; no individual primary acceptance inferred

Coverage result
Answered generically
Claim/example links
C049, E004
Exact missing authority or facts
Complete prior transfer sequence
Next bounded permissible investigation
Actual sequence held

Recorded coordinator check boundaries

coordinator acceptance
scoped_coordinator_review_with_retained_holds_not_parent_acceptance
coordinator review
{"reviewed_at": "2026-10-29T08:39:09.642740+00:00", "identity": "delegated_coordinator_not_independent", "all_original_gap_and_next_action_text_retained": true, "source_checks": "[internal evidence reference]"}
coverage-31 Saved research record

Second failure; simultaneous transfers

Recorded check status: recorded; no individual primary acceptance inferred

Coverage result
Answered generically
Claim/example links
C050, E007
Exact missing authority or facts
Exact initiation/return order
Next bounded permissible investigation
Actual event facts held

Recorded coordinator check boundaries

coordinator acceptance
scoped_coordinator_review_with_retained_holds_not_parent_acceptance
coordinator review
{"reviewed_at": "2026-10-29T08:39:09.642740+00:00", "identity": "delegated_coordinator_not_independent", "all_original_gap_and_next_action_text_retained": true, "source_checks": "[internal evidence reference]"}
coverage-32 Saved research record

Different channels and loans

Recorded check status: recorded; no individual primary acceptance inferred

Coverage result
Answered generically
Claim/example links
C046, C050, E006
Exact missing authority or facts
Same-account/same-lender relationships
Next bounded permissible investigation
No identifier comparison or entry

Recorded coordinator check boundaries

coordinator acceptance
scoped_coordinator_review_with_retained_holds_not_parent_acceptance
coordinator review
{"reviewed_at": "2026-10-29T08:39:09.642740+00:00", "identity": "delegated_coordinator_not_independent", "all_original_gap_and_next_action_text_retained": true, "source_checks": "[internal evidence reference]"}
coverage-33 Saved research record

Agent knowledge and trigger date

Recorded check status: recorded; no individual primary acceptance inferred

Coverage result
Answered generically
Claim/example links
C051, C088
Exact missing authority or facts
Lender/processor information receipt
Next bounded permissible investigation
No actual processor-record request

Recorded coordinator check boundaries

coordinator acceptance
scoped_coordinator_review_with_retained_holds_not_parent_acceptance
coordinator review
{"reviewed_at": "2026-10-29T08:39:09.642740+00:00", "identity": "delegated_coordinator_not_independent", "all_original_gap_and_next_action_text_retained": true, "source_checks": "[internal evidence reference]"}
coverage-34 Saved research record

Success/cash/immediate-payment counting

Recorded check status: recorded; no individual primary acceptance inferred

Coverage result
Answered generically
Claim/example links
C052, E004, E012
Exact missing authority or facts
Payment classification and valid exception predicates
Next bounded permissible investigation
Actual events held

Recorded coordinator check boundaries

coordinator acceptance
scoped_coordinator_review_with_retained_holds_not_parent_acceptance
coordinator review
{"reviewed_at": "2026-10-29T08:39:09.642740+00:00", "identity": "delegated_coordinator_not_independent", "all_original_gap_and_next_action_text_retained": true, "source_checks": "[internal evidence reference]"}
coverage-35 Saved research record

Other account/new loan/refinance

Recorded check status: recorded; no individual primary acceptance inferred

Coverage result
Answered distinctions; application held
Claim/example links
C053, E008, E019
Exact missing authority or facts
Separate account, bona fide new-loan substance, timing
Next bounded permissible investigation
Refinancing and contract work otherwise parent-held

Recorded coordinator check boundaries

coordinator acceptance
scoped_coordinator_review_with_retained_holds_not_parent_acceptance
coordinator review
{"reviewed_at": "2026-10-29T08:39:09.642740+00:00", "identity": "delegated_coordinator_not_independent", "all_original_gap_and_next_action_text_retained": true, "source_checks": "[internal evidence reference]"}
coverage-36 Saved research record

Atypical mixed return sequence

Recorded check status: recorded; no individual primary acceptance inferred

Coverage result
Unresolved beyond express branches
Claim/example links
C055, E005
Exact missing authority or facts
Further official interpretation resolving unsuccessful non-NSF intervening events
Next bounded permissible investigation
Targeted published primary interpretation only

Recorded coordinator check boundaries

coordinator acceptance
scoped_coordinator_review_with_retained_holds_not_parent_acceptance
coordinator review
{"reviewed_at": "2026-10-29T08:39:09.642740+00:00", "identity": "delegated_coordinator_not_independent", "all_original_gap_and_next_action_text_retained": true, "source_checks": "[internal evidence reference]"}
coverage-37 Saved research record

Debt discharge/fees/license implications

Recorded check status: recorded; no individual primary acceptance inferred

Coverage result
Excluded conclusions identified
Claim/example links
C054
Exact missing authority or facts
Independent law and actual facts
Next bounded permissible investigation
Parent-held subjects; no implication from two failures

Recorded coordinator check boundaries

coordinator acceptance
scoped_coordinator_review_with_retained_holds_not_parent_acceptance
coordinator review
{"reviewed_at": "2026-10-29T08:39:09.642740+00:00", "identity": "delegated_coordinator_not_independent", "all_original_gap_and_next_action_text_retained": true, "source_checks": "[internal evidence reference]"}
coverage-38 Saved research record

New authorization versus old contract

Recorded check status: recorded; no individual primary acceptance inferred

Coverage result
Answered generically
Claim/example links
C056, E010
Exact missing authority or facts
Actual new agreement and underlying authority
Next bounded permissible investigation
No authorization-document request

Recorded coordinator check boundaries

coordinator acceptance
scoped_coordinator_review_with_retained_holds_not_parent_acceptance
coordinator review
{"reviewed_at": "2026-10-29T08:39:09.642740+00:00", "identity": "delegated_coordinator_not_independent", "all_original_gap_and_next_action_text_retained": true, "source_checks": "[internal evidence reference]"}
coverage-39 Saved research record

Specific date/amount/channel and fee-only branch

Recorded check status: recorded; no individual primary acceptance inferred

Coverage result
Answered generically
Claim/example links
C057–C059, E011
Exact missing authority or facts
Actual terms, amount, purpose and fee legality
Next bounded permissible investigation
Actual data and broader fee law held

Recorded coordinator check boundaries

coordinator acceptance
scoped_coordinator_review_with_retained_holds_not_parent_acceptance
coordinator review
{"reviewed_at": "2026-10-29T08:39:09.642740+00:00", "identity": "delegated_coordinator_not_independent", "all_original_gap_and_next_action_text_retained": true, "source_checks": "[internal evidence reference]"}
coverage-40 Saved research record

Request timing and channels

Recorded check status: recorded; no individual primary acceptance inferred

Coverage result
Answered generically
Claim/example links
C060–C061
Exact missing authority or facts
Notice provision, consumer-initiated response, email consent
Next bounded permissible investigation
Actual communications held

Recorded coordinator check boundaries

coordinator acceptance
scoped_coordinator_review_with_retained_holds_not_parent_acceptance
coordinator review
{"reviewed_at": "2026-10-29T08:39:09.642740+00:00", "identity": "delegated_coordinator_not_independent", "all_original_gap_and_next_action_text_retained": true, "source_checks": "[internal evidence reference]"}
coverage-41 Saved research record

Receipt timing/signature/oral recording

Recorded check status: recorded; no individual primary acceptance inferred

Coverage result
Answered generically
Claim/example links
C062–C063, E010
Exact missing authority or facts
Receipt/deemed-receipt facts and signing/recording
Next bounded permissible investigation
No actual communications/recording retrieval

Recorded coordinator check boundaries

coordinator acceptance
scoped_coordinator_review_with_retained_holds_not_parent_acceptance
coordinator review
{"reviewed_at": "2026-10-29T08:39:09.642740+00:00", "identity": "delegated_coordinator_not_independent", "all_original_gap_and_next_action_text_retained": true, "source_checks": "[internal evidence reference]"}
coverage-42 Saved research record

Memorialization and expiry

Recorded check status: recorded; no individual primary acceptance inferred

Coverage result
Answered generically
Claim/example links
C064–C065
Exact missing authority or facts
Actual copy transmission and later authorization/failures
Next bounded permissible investigation
Actual evidence held

Recorded coordinator check boundaries

coordinator acceptance
scoped_coordinator_review_with_retained_holds_not_parent_acceptance
coordinator review
{"reviewed_at": "2026-10-29T08:39:09.642740+00:00", "identity": "delegated_coordinator_not_independent", "all_original_gap_and_next_action_text_retained": true, "source_checks": "[internal evidence reference]"}
coverage-43 Saved research record

Immediate-payment branch

Recorded check status: recorded; no individual primary acceptance inferred

Coverage result
Answered generically
Claim/example links
C066–C067, E012
Exact missing authority or facts
Fresh one-time request, contact timing, release from control
Next bounded permissible investigation
Actual event/calendar facts held

Recorded coordinator check boundaries

coordinator acceptance
scoped_coordinator_review_with_retained_holds_not_parent_acceptance
coordinator review
{"reviewed_at": "2026-10-29T08:39:09.642740+00:00", "identity": "delegated_coordinator_not_independent", "all_original_gap_and_next_action_text_retained": true, "source_checks": "[internal evidence reference]"}
coverage-44 Saved research record

Separate Reg E limits

Recorded check status: recorded; no individual primary acceptance inferred

Coverage result
Partial, deliberately bounded
Claim/example links
C068–C070
Exact missing authority or facts
Actual recurring authority, stop notice, varying amounts; full Reg E questions
Next bounded permissible investigation
Additional primary clauses only if necessary; no R010 reuse

Recorded coordinator check boundaries

coordinator acceptance
scoped_coordinator_review_with_retained_holds_not_parent_acceptance
coordinator review
{"reviewed_at": "2026-10-29T08:39:09.642740+00:00", "identity": "delegated_coordinator_not_independent", "all_original_gap_and_next_action_text_retained": true, "source_checks": "[internal evidence reference]"}
coverage-45 Saved research record

Anti-evasion

Recorded check status: recorded; no individual primary acceptance inferred

Coverage result
Answered generic standard
Claim/example links
C071, E007, E019
Exact missing authority or facts
Actual purpose/substance
Next bounded permissible investigation
No intent or liability finding

Recorded coordinator check boundaries

coordinator acceptance
scoped_coordinator_review_with_retained_holds_not_parent_acceptance
coordinator review
{"reviewed_at": "2026-10-29T08:39:09.642740+00:00", "identity": "delegated_coordinator_not_independent", "all_original_gap_and_next_action_text_retained": true, "source_checks": "[internal evidence reference]"}
coverage-46 Saved research record

First-payment notice

Recorded check status: recorded; no individual primary acceptance inferred

Coverage result
Answered generically
Claim/example links
C077, C079–C080, C083–C084, E013
Exact missing authority or facts
Covered-status date, schedule, notice and sending facts
Next bounded permissible investigation
Actual documents held

Recorded coordinator check boundaries

coordinator acceptance
scoped_coordinator_review_with_retained_holds_not_parent_acceptance
coordinator review
{"reviewed_at": "2026-10-29T08:39:09.642740+00:00", "identity": "delegated_coordinator_not_independent", "all_original_gap_and_next_action_text_retained": true, "source_checks": "[internal evidence reference]"}
coverage-47 Saved research record

Unusual-payment notice

Recorded check status: recorded; no individual primary acceptance inferred

Coverage result
Answered generically
Claim/example links
C078, C081–C086, E014
Exact missing authority or facts
Amount/date/channel/retry conditions
Next bounded permissible investigation
Actual documents held

Recorded coordinator check boundaries

coordinator acceptance
scoped_coordinator_review_with_retained_holds_not_parent_acceptance
coordinator review
{"reviewed_at": "2026-10-29T08:39:09.642740+00:00", "identity": "delegated_coordinator_not_independent", "all_original_gap_and_next_action_text_retained": true, "source_checks": "[internal evidence reference]"}
coverage-48 Saved research record

Consumer-rights notice

Recorded check status: recorded; no individual primary acceptance inferred

Coverage result
Answered generically
Claim/example links
C088–C091
Exact missing authority or facts
Failure-information receipt and complete notice content
Next bounded permissible investigation
Actual documents held

Recorded coordinator check boundaries

coordinator acceptance
scoped_coordinator_review_with_retained_holds_not_parent_acceptance
coordinator review
{"reviewed_at": "2026-10-29T08:39:09.642740+00:00", "identity": "delegated_coordinator_not_independent", "all_original_gap_and_next_action_text_retained": true, "source_checks": "[internal evidence reference]"}
coverage-49 Saved research record

Electronic consent and loss

Recorded check status: recorded; no individual primary acceptance inferred

Coverage result
Answered generically
Claim/example links
C073–C074, E015–E016
Exact missing authority or facts
Method selections, email option, revocation/access-loss facts
Next bounded permissible investigation
Actual consent records held

Recorded coordinator check boundaries

coordinator acceptance
scoped_coordinator_review_with_retained_holds_not_parent_acceptance
coordinator review
{"reviewed_at": "2026-10-29T08:39:09.642740+00:00", "identity": "delegated_coordinator_not_independent", "all_original_gap_and_next_action_text_retained": true, "source_checks": "[internal evidence reference]"}
coverage-50 Saved research record

Notice combination/segregation

Recorded check status: recorded; no individual primary acceptance inferred

Coverage result
Answered for express branches
Claim/example links
C061, C075, C082, C091
Exact missing authority or facts
Actual layout and content placement
Next bounded permissible investigation
Generic blank-layout inspection permissible; no universal combination rule inferred

Recorded coordinator check boundaries

coordinator acceptance
scoped_coordinator_review_with_retained_holds_not_parent_acceptance
coordinator review
{"reviewed_at": "2026-10-29T08:39:09.642740+00:00", "identity": "delegated_coordinator_not_independent", "all_original_gap_and_next_action_text_retained": true, "source_checks": "[internal evidence reference]"}
coverage-51 Saved research record

Official model text

Recorded check status: recorded; no individual primary acceptance inferred

Coverage result
Answered as parsed text
Claim/example links
C092; model table
Exact missing authority or facts
No missing parsed model body
Next bounded permissible investigation
No need to repeat extraction

Recorded coordinator check boundaries

coordinator acceptance
scoped_coordinator_review_with_retained_holds_not_parent_acceptance
coordinator review
{"reviewed_at": "2026-10-29T08:39:09.642740+00:00", "identity": "delegated_coordinator_not_independent", "all_original_gap_and_next_action_text_retained": true, "source_checks": "[internal evidence reference]"}
coverage-52 Saved research record

Official model pixels

Recorded check status: recorded; no individual primary acceptance inferred

Coverage result
Unresolved retrieval limitation
Claim/example links
C092, E017
Exact missing authority or facts
Inspectable images for PDF indexes 1–6
Next bounded permissible investigation
Retry public generic PDF image rendering through permitted public browsing only

Recorded coordinator check boundaries

coordinator acceptance
scoped_coordinator_review_with_retained_holds_not_parent_acceptance
coordinator review
{"reviewed_at": "2026-10-29T08:39:09.642740+00:00", "identity": "delegated_coordinator_not_independent", "all_original_gap_and_next_action_text_retained": true, "source_checks": "[internal evidence reference]"}
coverage-53 Saved research record

Record retention and outstanding status

Recorded check status: recorded; no individual primary acceptance inferred

Coverage result
Answered generically
Claim/example links
C093–C096
Exact missing authority or facts
Last payment/release/discharge dates, retained formats
Next bounded permissible investigation
No actual calendar or record review

Recorded coordinator check boundaries

coordinator acceptance
scoped_coordinator_review_with_retained_holds_not_parent_acceptance
coordinator review
{"reviewed_at": "2026-10-29T08:39:09.642740+00:00", "identity": "delegated_coordinator_not_independent", "all_original_gap_and_next_action_text_retained": true, "source_checks": "[internal evidence reference]"}
coverage-54 Saved research record

Incomplete records/compliance procedures

Recorded check status: recorded; no individual primary acceptance inferred

Coverage result
Answered generic consequences; actual compliance unresolved
Claim/example links
C097, E018
Exact missing authority or facts
Complete evidence and written procedures
Next bounded permissible investigation
No actual audit acceptance

Recorded coordinator check boundaries

coordinator acceptance
scoped_coordinator_review_with_retained_holds_not_parent_acceptance
coordinator review
{"reviewed_at": "2026-10-29T08:39:09.642740+00:00", "identity": "delegated_coordinator_not_independent", "all_original_gap_and_next_action_text_retained": true, "source_checks": "[internal evidence reference]"}
coverage-55 Saved research record

Effective/compliance dates and underwriting revocation

Recorded check status: recorded; no individual primary acceptance inferred

Coverage result
Answered historical published text
Claim/example links
C003–C005
Exact missing authority or facts
Individual event applicability
Next bounded permissible investigation
No individualized date determination

Recorded coordinator check boundaries

coordinator acceptance
scoped_coordinator_review_with_retained_holds_not_parent_acceptance
coordinator review
{"reviewed_at": "2026-10-29T08:39:09.642740+00:00", "identity": "delegated_coordinator_not_independent", "all_original_gap_and_next_action_text_retained": true, "source_checks": "[internal evidence reference]"}
coverage-56 Saved research record

Court stays/vacatur/later history

Recorded check status: recorded; no individual primary acceptance inferred

Coverage result
Partial
Claim/example links
C006–C009
Exact missing authority or facts
Complete published stay/mandate chronology and later published developments
Next bounded permissible investigation
Published opinions only; no docket or case-record query

Recorded coordinator check boundaries

coordinator acceptance
scoped_coordinator_review_with_retained_holds_not_parent_acceptance
coordinator review
{"reviewed_at": "2026-10-29T08:39:09.642740+00:00", "identity": "delegated_coordinator_not_independent", "all_original_gap_and_next_action_text_retained": true, "source_checks": "[internal evidence reference]"}
coverage-57 Saved research record

Nonprioritization versus repeal

Recorded check status: recorded; no individual primary acceptance inferred

Coverage result
Answered distinction
Claim/example links
C010, E020
Exact missing authority or facts
Any later superseding policy/final rule
Next bounded permissible investigation
Official generic publication check

Recorded coordinator check boundaries

coordinator acceptance
scoped_coordinator_review_with_retained_holds_not_parent_acceptance
coordinator review
{"reviewed_at": "2026-10-29T08:39:09.642740+00:00", "identity": "delegated_coordinator_not_independent", "all_original_gap_and_next_action_text_retained": true, "source_checks": "[internal evidence reference]"}
coverage-58 Saved research record

Later amendment/repeal/disapproval/currentness

Recorded check status: recorded; no individual primary acceptance inferred

Coverage result
Unresolved beyond checked bounds
Claim/example links
C001, C011
Exact missing authority or facts
October 23–27 regulatory lag, October 15–27 statutory lag, later published authority
Next bounded permissible investigation
Bounded official final-rule/session-law/published-opinion check

Recorded coordinator check boundaries

coordinator acceptance
scoped_coordinator_review_with_retained_holds_not_parent_acceptance
coordinator review
{"reviewed_at": "2026-10-29T08:39:09.642740+00:00", "identity": "delegated_coordinator_not_independent", "all_original_gap_and_next_action_text_retained": true, "source_checks": "[internal evidence reference]"}
coverage-59 Saved research record

Withdrawn Guidance register

Recorded check status: recorded; no individual primary acceptance inferred

Coverage result
Answered for materials used
Claim/example links
C012
Exact missing authority or facts
No advisory/circular/bulletin relied upon
Next bounded permissible investigation
Recheck only if one becomes necessary

Recorded coordinator check boundaries

coordinator acceptance
scoped_coordinator_review_with_retained_holds_not_parent_acceptance
coordinator review
{"reviewed_at": "2026-10-29T08:39:09.642740+00:00", "identity": "delegated_coordinator_not_independent", "all_original_gap_and_next_action_text_retained": true, "source_checks": "[internal evidence reference]"}
coverage-60 Saved research record

Business-day/calendar application

Recorded check status: recorded; no individual primary acceptance inferred

Coverage result
Unresolved actual calendar
Claim/example links
C098
Exact missing authority or facts
Applicable calendar and real triggering events
Next bounded permissible investigation
Generic published calendar interpretation; no individual deadline

Recorded coordinator check boundaries

coordinator acceptance
scoped_coordinator_review_with_retained_holds_not_parent_acceptance
coordinator review
{"reviewed_at": "2026-10-29T08:39:09.642740+00:00", "identity": "delegated_coordinator_not_independent", "all_original_gap_and_next_action_text_retained": true, "source_checks": "[internal evidence reference]"}
coverage-61 Saved research record

Other A011 dimensions

Recorded check status: recorded; no individual primary acceptance inferred

Coverage result
Excluded by express parent holds
Claim/example links
Section 8 below
Exact missing authority or facts
All listed parent issues
Next bounded permissible investigation
Separate focused assignment required; no closure inferred

Recorded coordinator check boundaries

coordinator acceptance
scoped_coordinator_review_with_retained_holds_not_parent_acceptance
coordinator review
{"reviewed_at": "2026-10-29T08:39:09.642740+00:00", "identity": "delegated_coordinator_not_independent", "all_original_gap_and_next_action_text_retained": true, "source_checks": "[internal evidence reference]"}

Corrections, review and scope

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

How to read the research →

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

Recorded review disposition

scoped coordinator review completed with retained source currentness application holds

Other components in this research series

Download this complete public research record (JSON)
Record integrity

Original saved Markdown SHA-256: 431bcaa3bab59453593fde49cf734c4ff1faaee9ba3677f0a8a901261b86ae35. Public formatting, private-reference removal and correction annotations are separate from that immutable original.

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