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DETAILED RESEARCH · EVIDENCE & LIMITS INCLUDED

First focused A013 component: federal HELOC draw restrictions, termination, and acceleration

R013 · pass-01Captured 2026-10-2720 tables · 81 claim records · 22 source recordsScoped coordinator review completed

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

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SettleADebt R013 PASS-01

First focused A013 component: federal HELOC draw restrictions, termination, and acceleration

Actual public-source check: October 27, 2026, America/Los_Angeles.

The central distinction is established: for a covered home-equity plan, Regulation Z separately regulates restrictions on future advances and early termination coupled with acceleration. A significant collateral-value decline, for example, can support a temporary draw restriction without supplying an acceleration ground. Conversely, the official interpretation permits a creditor with a valid termination-and-acceleration ground to choose a lesser action, including a temporary or permanent suspension of advances. Accordingly, “all freezes are temporary” would also be incorrect. These conclusions concern the federal rule’s conditions; they establish neither an actual default nor a right to foreclose. ecfr.gov+2

This investigation uses primary material freshly retrieved in this conversation. No R006, R008, R010, R012, R003, other saved report, or prior-chat finding was used as a foundation. No person, lender, account, property, license, entity, case-record, or docket-status investigation was conducted. No subagent, browser control, records request, filing, contact, local deliverable, or publication was used. An unseen ChatGPT interface/model-selection label was not independently verified.

All conclusions below are generic and conditional. Actual purpose, product structure, security, creditor status, agreement, dates, collateral values, financial changes, repayment history, alleged defaults, information available to the creditor, notices, reinstatement events, and applicable state law remain unknown.

1. The distinctions that control this component

Situation Federal provision being tested What that provision can support What it does not establish
An enumerated temporary restriction condition exists §1026.40(f)(3)(vi)(A)–(F) Prohibition of additional extensions or reduction of the credit limit while the qualifying condition exists Automatic acceleration, payment forgiveness, foreclosure authority, or permanent cancellation
The maximum APR is reached and the initial agreement reserves the response §1026.40(f)(3)(i) A freeze or reduction during that period Acceleration merely because the cap was reached
A valid ordinary termination ground exists §1026.40(f)(2)(i)–(iv) Early termination and demand for the outstanding balance, subject to other applicable requirements Satisfaction of contractual, state-law, cure, insolvency, or enforcement prerequisites
A valid termination ground exists, but a lesser action is selected Comment 40(f)(2)-2 Actions including temporary or permanent suspension, limit reduction, or specified changes discussed in the comment Permission to use that exception when no termination ground exists
A scheduled draw period ends under the original plan Comments 40-4 and 40-5 Operation of the originally agreed repayment phase, subject to applicable disclosures and substantive rules Proof of an exceptional freeze, a new default, or an entitlement to renewal
The transaction is a qualifying reverse mortgage §§1026.33(a), 1026.40(f)(4) The distinct reverse-mortgage termination framework A blanket exemption from every part of §1026.40 or satisfaction of HUD/program protections

The rule and interpretations support these distinctions directly. The distinction between a federal restriction condition and an enforceable foreclosure remedy is an analytical limit on this investigation, not a finding about any instrument or jurisdiction. Consumer Financial Protection Bureau+3

Currentness and status conventions

The eCFR page displayed Title 12 as updated through October 23, 2026. That is the compilation currency displayed on the page, not the effective date of §1026.40 or proof of a complete amendment audit through October 27. The House U.S. Code pages stated that their text incorporated laws in effect through Public Law 119-120, October 7, 2026. CFPB regulation pages described themselves as current, but that label is not a substitute for the enactment, effective-date, or session-law analysis. ecfr.gov+2

Status category Treatment in this report
Current text inspected The eCFR §1026.40 body; CFPB regulatory text and necessary official interpretations, subject to the specific version discrepancy identified below
Historical The pre-November 7, 1989 transition provisions; the 2011 transfer/republication rule; the 2021 LIBOR rule and its compliance dates; the 2022 correction; the 2023 amendment’s adoption history
Proposed / discovery only Search results containing proposals, requests for information, historical versions, or unrelated part-wide changes were not treated as operative amendments
Future effective No future-effective change to the focused restriction provisions was established from the bodies relied on here. This is not a certification that no such change exists
Withdrawn The CFPB register lists the 2022 existing-credit-arrangements advisory and relevant adverse-action circulars as withdrawn. Their substantive guidance is not a foundation here
Repealed Withdrawal of those guidance documents was not treated as repeal of TILA, ECOA, Regulation Z, Regulation B, or their codified interpretations
Stayed / vacated No litigation-history or docket-status audit was conducted. This report makes no comprehensive “never stayed” or “never vacated” representation
Unknown / held Actual application; complete session-law lag audit; complete consolidated Supplement I comparison; state, contract, program, remedy, and parent questions

2. Source register

Register conventions. Every source below was checked on 2026-10-27, America/Los_Angeles, and concerns United States federal law or federal publisher status. “Fresh” means body material read during this investigation, not imported from a report. Repeated openings and mirrors are not independent corroboration. Sections of the same regulation and its official interpretation remain one regulatory framework.

For HTML sources, printed page and zero-based PDF index are not applicable, unless a Federal Register printed-page marker is expressly given. For PDFs, the identified reading was parsed text. No PDF page images or form images were visually inspected. A PDF’s availability or successful parsing is not a claim that every page was read.

A. Statute, coverage, and core rule

Source ID Issuer / title / complete literal HTTPS URL Exact provisions and read bounds Version, effective predicate, and limits
R013-P1-S001 House Office of the Law Revision Counsel, 15 U.S.C. §1647, Home equity plans. https://uscode.house.gov/us/usc/119-120/t15/s1647/ Fresh HTML: subsections (a)–(e), source and amendment/effective-date notes. Especially (b), (c)(1)–(4). No PDF pages. Compilation through Pub. L. 119-120, October 7, 2026. Statutory text, not regulatory commentary. No complete October 8–27 session-law audit. uscode.house.gov+1
R013-P1-S002 OLRC, 15 U.S.C. §1637a, Disclosure requirements for open end consumer credit plans secured by consumer’s principal dwelling. https://uscode.house.gov/us/usc/119-120/t15/s1637a/ Fresh HTML: application-disclosure body, particularly (a)(5)–(8), (b)–(e), including the special definition in (d); effective-date notes. No PDF pages. Same October 7 compilation limit. The special statutory treatment of second/vacation homes is confined to the provisions identified in (d); it does not redefine principal dwelling throughout Regulation Z. uscode.house.gov+1
R013-P1-S003 OFR/GPO eCFR, 12 CFR §1026.40. https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-E/section-1026.40. CFPB mirror: https://www.consumerfinance.gov/rules-policy/regulations/1026/40/ Fresh: complete operative eCFR section, introduction and (a)–(h), with complete (f)(1)–(4). Selected mirror comparison. HTML; no PDF index. eCFR Title 12 currency October 23, 2026. Section’s amendment citation lists 2011, 2021, and 2023 publications. eCFR describes itself as authoritative but unofficial, not the official legal CFR edition. ecfr.gov+2
R013-P1-S004 CFPB, Official interpretations of §1026.40. https://www.consumerfinance.gov/rules-policy/regulations/1026/interp-40/. Attempted consolidated eCFR supplement: https://www.ecfr.gov/current/title-12/chapter-X/part-1026/appendix-Supplement%20I%20to%20Part%201026 Fresh: general comments 40-1–7; necessary form, timing, third-party, and (d)(4) comments; 40(f)-1; complete relevant (f)(1), (f)(2), (f)(3) introductory, (i), (iii)–(vi) comments; selected (g) comments. LIBOR wording compared with S019. CFPB page labeled current, but its displayed (f)(3)(ii) comments retain older ARRC/“1-year” wording. Updated 2023 text was read in S019 instead. Consolidated eCFR Supplement I retrieval failed because of response size. No full consolidated-supplement audit claimed.
R013-P1-S005 CFPB, §1026.1—Authority, purpose, coverage, organization, enforcement, and liability. https://www.consumerfinance.gov/rules-policy/regulations/1026/1/ Fresh: (b), (c)(1)–(3), necessary coverage interpretation. HTML; no pages. Current agency presentation. General coverage and application-distributor extension examined; no independent audit of every special actor exclusion. Consumer Financial Protection Bureau
R013-P1-S006 CFPB, §1026.2—Definitions and rules of construction. https://www.consumerfinance.gov/rules-policy/regulations/1026/2/ Fresh: (a)(6), (10)–(15), (17), (19), (20), (25), necessary related comments; relevant distinction in (24); updated (28) also checked through S019. HTML; no pages. Current agency presentation. Definitions read for this component; no consumer, creditor, security, or consummation fact established. Consumer Financial Protection Bureau+4
R013-P1-S007 CFPB, §1026.3—Exempt transactions. https://www.consumerfinance.gov/rules-policy/regulations/1026/3/ Fresh: complete relevant (a), (b), business/organizational/trust and open-end threshold comments; comment 3(b)-3.xvii. HTML; no pages. Current agency text specifies $73,400 for January 1–December 31, 2026. Amount exemption’s real-property/principal-dwelling exceptions are critical. Other exemption categories were not comprehensively investigated. Consumer Financial Protection Bureau+3

B. Disclosures, notices, related definitions, and recordkeeping

Source ID Issuer / title / complete literal HTTPS URL Exact provisions and read bounds Version, effective predicate, and limits
R013-P1-S008 CFPB, §1026.5—General disclosure requirements. https://www.consumerfinance.gov/rules-policy/regulations/1026/5/ Fresh: (a)(1), (b)(1)(i), (c), (d), necessary comments on writing, electronic delivery, initial timing, and multiple consumers. HTML. Current presentation. No actual electronic-consent or delivery finding. Consumer Financial Protection Bureau+2
R013-P1-S009 CFPB, §1026.6—Account-opening disclosures, and separate interpretation page. https://www.consumerfinance.gov/rules-policy/regulations/1026/6/; https://www.consumerfinance.gov/rules-policy/regulations/1026/interp-6/ Fresh: (a)(3)(i)–(vii), (a)(4), comments 6(a)(3)-1–4 and relevant security comments. HTML. Embedded comment 6(a)(3)-1 appeared as a placeholder; actual text recovered from the separate interpretation page. That particular retrieval gap was repaired. Consumer Financial Protection Bureau+1
R013-P1-S010 CFPB, §1026.9—Subsequent disclosure requirements. https://www.consumerfinance.gov/rules-policy/regulations/1026/9/ Fresh: complete relevant (c)(1)(i)–(iii), comments 9(c)(1)-1–4, 9(c)(1)(i)-1–6, (ii)-1–3, and (iii)-1–2. HTML. Current presentation includes the LIBOR margin-notice provision operative for notices on/after October 1, 2022. Non-home-secured card rules were not imported. Consumer Financial Protection Bureau+2
R013-P1-S011 CFPB, §1026.30—Limitation on rates. https://www.consumerfinance.gov/rules-policy/regulations/1026/30/ Fresh: operative section and comments 1–12. HTML. Lifetime contractual maximum-rate requirement and restrictions on changing the ceiling examined. No actual rate, usury, or renewal determination. Consumer Financial Protection Bureau+1
R013-P1-S012 CFPB, §1026.33—Requirements for reverse mortgages. https://www.consumerfinance.gov/rules-policy/regulations/1026/33/ Fresh: complete (a) definition and necessary comments, including default treatment. HTML. Classification boundary only. No comprehensive reverse-mortgage disclosure, HUD/HECM, spouse, servicing, or program analysis. Consumer Financial Protection Bureau
R013-P1-S013 CFPB, §1026.25—Record retention. https://www.consumerfinance.gov/rules-policy/regulations/1026/25/ Fresh: (a), (b), comments 25(a)-1–4. HTML. General two-year evidence rule and HELOC-specific evidence comment. Other mortgage-retention regimes are held. Consumer Financial Protection Bureau
R013-P1-S014 CFPB, Regulation B §1002.2—Definitions. https://www.consumerfinance.gov/rules-policy/regulations/1002/2/ Fresh: (c)(1)–(3), (e), (f), (j), (l), (m), necessary interpretations. HTML. Current presentation. Existing-account adverse-action branch bounded; complete origination and business-credit procedures not redone. Consumer Financial Protection Bureau+1
R013-P1-S015 CFPB, Regulation B §1002.9—Notifications. https://www.consumerfinance.gov/rules-policy/regulations/1002/9/ Fresh: relevant (a)(1), (a)(2), (b), (d), (f), necessary comments including 9(b)(2)-9; business/incomplete-application provisions read only to bound adjacent branches. HTML. Current presentation. Existing-account timing, content, reasons, oral exception, and multiple-applicant rules examined. FCRA not independently audited. Consumer Financial Protection Bureau+2
R013-P1-S016 CFPB, Regulation B §1002.4—General rules. https://www.consumerfinance.gov/rules-policy/regulations/1002/4/ Fresh: (a), necessary comment, and (d) form/electronic disclosure provisions. HTML. Current presentation. Independent nondiscrimination and disclosure duties; no actual discrimination or creditworthiness decision. Consumer Financial Protection Bureau+1

C. Selected history, guidance status, and executive-officer branch

Source ID Issuer / title / complete literal HTTPS URL Exact provisions, printed page, PDF index, and read bounds Version, effective predicate, and limits
R013-P1-S017 CFPB/OFR, Truth in Lending (Regulation Z), 2011 interim final rule. https://www.federalregister.gov/documents/2011/12/22/2011-31715/truth-in-lending-regulation-z. Attempted official PDF: https://www.govinfo.gov/content/pkg/FR-2011-12-22/pdf/2011-31715.pdf Fresh HTML: action, summary, Dates, transfer/republication explanation; selected §40 material. Printed start 76 FR 79768; eCFR source citation 79772. PDF retrieval failed; no PDF index read. Published December 22, 2011; effective December 30, 2011. Historical republication, subsequently amended. HTML is the publisher’s XML rendition, not the official legal PDF. No full-document read claimed.
R013-P1-S018 CFPB/OFR/GPO, Facilitating the LIBOR Transition (Regulation Z), 2021 final rule. https://www.federalregister.gov/documents/2021/12/08/2021-25825/facilitating-the-libor-transition-regulation-z; https://www.govinfo.gov/content/pkg/FR-2021-12-08/pdf/2021-25825.pdf Fresh HTML: Dates and selected HELOC/index/notice discussion. Official PDF parsed first-page text, printed 69716, zero-based index 0. No claim to reading all 85 PDF pages. Effective April 1, 2022, except identified Appendix H amendment effective October 1, 2023. Mandatory §9 change-notice compliance October 1, 2022; other provisions April 1, 2022. Historical text must be read with S019 and S021. federalregister.gov+1
R013-P1-S019 CFPB/OFR/GPO, Facilitating the LIBOR Transition Consistent With the LIBOR Act, 2023 interim final rule. https://www.federalregister.gov/documents/2023/05/11/2023-09129/facilitating-the-libor-transition-consistent-with-the-libor-act-regulation-z; https://www.govinfo.gov/content/pkg/FR-2023-05-11/pdf/2023-09129.pdf Fresh HTML: Dates; amendments to §2(a)(28), §40(f)(3)(ii)(B); complete revised §40(f)(3)(ii), (A), (B) comments. Printed 30598, 30622, 30625–30628. PDF parsed checks: index 0, 24, and portions of 27–30 covering those provisions; not every intervening PDF line independently re-read. Effective May 15, 2023; comment deadline June 12, 2023 was not an effective-date delay. An interim final rule, not merely a proposal. Updated terminology and 12-month branch used to address S004’s mismatch. federalregister.gov+7
R013-P1-S020 CFPB, Withdrawn Guidance register. https://www.consumerfinance.gov/compliance/guidance/withdrawn-guidance/ Fresh HTML: relevant advisory-opinion and circular entries, including existing-account revocations and adverse-action guidance; read relevant register portion, not every entry. No PDF pages. Relevant entries list withdrawal on May 12, 2025. Used for publisher status only. No circular, bulletin, or advisory supplies a substantive conclusion here. Consumer Financial Protection Bureau+1
R013-P1-S021 CFPB/OFR, Facilitating the LIBOR Transition; Correction. https://www.federalregister.gov/documents/2022/02/16/2022-03344/facilitating-the-libor-transition-regulation-z-correction Fresh complete relevant HTML body: summary, Dates, corrections to two preamble footnotes. 87 FR 8733. PDF not opened; index not applicable. Effective February 16, 2022. Corrects hyperlinks/document reference in the 2021 preamble, not the focused freeze grounds. federalregister.gov
R013-P1-S022 Federal Reserve/OFR/GPO, 12 CFR §215.5—Additional restrictions on loans to executive officers of member banks. https://www.ecfr.gov/current/title-12/chapter-II/subchapter-A/part-215/section-215.5 Fresh complete section, particularly opening scope and (d)(4), with (c) read for the cross-reference. HTML. eCFR currency October 23, 2026. Bounded example of a particular federal written demand-condition requirement. Not a complete Regulation O analysis or an actual executive-officer determination. ecfr.gov+1

3. Atomic claim table

Reference convention: C001 means R013-P1-C001, S001 means R013-P1-S001, and E001 means R013-P1-E001.

Status convention: R = regulatory text as inspected; I = official interpretation; S = statutory text; H = historical/effective-date proposition; INF = stated analytical inference; OBS = observed source condition; U = actual application unknown. “Current” always carries the source-register currency limits.

A. Coverage and product boundaries

Claim ID Area and precise claim Trigger, conditions, and exceptions Source pinpoint Status / limits
R013-P1-C001 §1026.40 is a rule for qualifying open-end consumer credit plans secured by a consumer’s dwelling. Home collateral alone is insufficient. Apply general §1(c) coverage, relevant definitions, exemptions, and §40’s plan/security requirements together. Section 1(c) also recognizes specified special coverage and actor exclusions. S003 introductory text; S004 comment 40-1; S005 §1(c)(1)–(3). R/I; U. No product inferred from its marketing name.
R013-P1-C002 Consumer credit principally concerns personal, family, or household purposes. §2(a)(11) defines consumer; §2(a)(12) supplies the purpose test. Ordinary guarantors/sureties are not automatically consumers under that definition; rescission and trust rules have separate qualifications. S006 §§2(a)(11)–(12), comments 2(a)(11)-1–3, 2(a)(12)-1. R/I; U. No universal mechanical primary-purpose test.
R013-P1-C003 The ordinary Regulation Z creditor test requires regular consumer-credit extension and initial-payee status, with the finance-charge/installment condition. §2(a)(17)(i), (v): generally more than 25 extensions, or more than 5 dwelling-secured extensions, in the preceding calendar year; current-year test if the preceding-year test was not met. Separate high-cost and card-issuer provisions exist. Open-end counting concerns accounts, not every draw. S006 §2(a)(17)(i), (iii)–(v), related comments. R/I; U. No actor, volume, high-cost status, or payee finding.
R013-P1-C004 Open-end classification requires all three features in §2(a)(20). Repeated transactions reasonably contemplated; potential periodic finance charge on an outstanding balance; credit generally replenishes as balances are repaid. Labels and multiple advances alone do not suffice. Requiring a fresh credit application for each draw can contradict this structure; permitted verification is distinct. S006 §2(a)(20)(i)–(iii), comments 1–6; §2(a)(10). R/I; U. A closed-end home-equity loan is outside this §40 plan framework.
R013-P1-C005 A qualifying dwelling need not be the principal dwelling or a first-lien residence. §2(a)(19) covers a one-to-four-unit residential structure and specified residential units/mobile structures. Boats, mobile homes, and trailers used as residences can qualify; recreational use alone does not. Section 1637a(d) specially includes second/vacation homes for the listed statutory provisions. S006 §2(a)(19), comments 1–3; S004 comment 40-1; S002 §1637a(d). R/I/S; U. Principal-dwelling rules for rescission or other products are not imported.
R013-P1-C006 Security must be established under the applicable definition and law. §2(a)(25) requires a legally recognized interest securing performance; it excludes specified incidental interests, including proceeds, accessions, fixtures, insurance proceeds, premium rebates, and after-acquired-property interests. Operation-of-law interests have provision-specific treatment. A dragnet clause can bring later open-end credit within §40 unless effectively waived. S006 §2(a)(25), comments 1–5; S004 comment 40-6. R/I; U. Regulation Z does not itself create or validate a lien.
R013-P1-C007 Primarily business, commercial, or agricultural credit is excluded by §3(a)(1). The actual primary purpose controls; taking a home as collateral does not turn business credit into consumer credit. Mixed-purpose evaluation is factual. S007 §3(a)(1), comments 3(a)-1–8; S006 §2(a)(12). R/I; U. Business-credit rules under other laws remain separate.
R013-P1-C008 Organizational credit generally is excluded, subject to the specific consumer-substance trust interpretations. A natural-person guaranty or dwelling collateral does not alone defeat §3(a)(2). Tax/estate-planning trusts and described land trusts require the analysis in comments 3(a)-9–10. S007 §3(a)(2), comments 9–10; S006 comment 2(a)(11)-3. R/I; U. No entity or trust classification undertaken.
R013-P1-C009 The amount exemption does not apply to credit secured by real property or by personal property used or expected as the principal dwelling. For potentially exempt nonprincipal-dwelling personal-property credit, §3(b)’s open-end initial-extension/firm-written-commitment conditions matter. The displayed 2026 threshold is $73,400, January 1–December 31, 2026; later commitment changes can matter under the comments. S007 §3(b); comments 3(b)-3.xvii and -4. R/I; U. No actual amount test or future-year threshold determination.
R013-P1-C010 Card access does not convert a HELOC into the defined non-home-secured credit-card account. §2(a)(15)(ii)(A) expressly excludes a HELOC subject to §40 that is accessed by a credit card from that defined account category. S006 §2(a)(15)(ii)(A); S010 §9(c)(1). R; U. The non-home-secured card notice regime is not automatically applicable.
R013-P1-C011 Historical plan dates can determine §40 applicability. Comment 40-3 excludes plans entered before November 7, 1989, including the original consumer’s later renewals. Adding dwelling security on/after that date to an older line brings the substantive restrictions into play for the remainder, without new §40 disclosures. Consummation is contractual obligation under applicable law. S004 comment 40-3; S006 §2(a)(13), comment 1. I/H; U. Actual agreement, security-addition, and consummation dates held.
R013-P1-C012 An originally agreed repayment phase remains subject to applicable open-end requirements. Original repayment/fixed-conversion terms are disclosed under the open-end framework; §40(f) continues during the repayment phase. Ending scheduled draws is distinct from imposing a new exceptional freeze. S004 comments 40-4 and 40-5.i. I; U. No promised renewal or continued draw availability.
R013-P1-C013 A later repayment agreement can create a closed-end transaction for the affected balance. If repayment replenishes available credit, the open-end framework continues. If a new agreement provides repayment without replenishment, closed-end disclosures apply to that new transaction; remaining open-end credit retains its rules. S004 comment 40-5.ii–iii. I; U. A fixed rate alone does not decide the classification.
R013-P1-C014 Reverse mortgages are not categorically outside every part of §40. §33(a) defines a qualifying nonrecourse consumer obligation secured consensually by the principal dwelling, with advances and repayment tied, except for default, to specified death/transfer/occupancy events. An open-end reverse structure can remain a §40 plan. S012 §33(a), comments; S003 §40(f)(2), (4); S018 printed 69716 n.2. R/I; U. Closed-end reverse and program-specific branches remain distinct.
R013-P1-C015 Qualifying reverse-mortgage early termination uses §40(f)(4). Enumerated grounds: default; title transfer; cessation of use as the primary dwelling; death. “Default” is not independently defined into a universal federal deadline here. S003 §40(f)(4)(i)–(iv); S012 §33(a), default comment. R/I; U. HUD/HECM, spouse, cure, occupancy exceptions, and other law held.
R013-P1-C016 §40(f) reaches contract language and conduct by the original creditor, assignee, and holder. Applies during draw/repayment periods and renewals/modifications. For post-November 7, 1989 plans, a renewal at/before expiration by written agreement differs from a renewal after scheduled expiration, which is a new plan under comment 40-2. S004 comments 40(f)-1 and 40-2. I; U. No ownership, assignment, renewal, or maturity facts established.

B. Termination and acceleration

Claim ID Area and precise claim Trigger, conditions, and exceptions Source pinpoint Status / limits
R013-P1-C017 Ordinary early termination plus acceleration is limited to §40(f)(2)’s four grounds. Fraud/material misrepresentation; repayment failure; consumer action/inaction adversely affecting security or security rights; the specified federal executive-officer demand-condition branch. Reverse transactions use (f)(4). S003 §40(f)(2); S004 comment 40(f)(2)-1; S001 §1647(b). R/I/S; U. Statute lists three ordinary grounds; the fourth is in the regulation. General demand-at-will and rate-cap acceleration clauses are not permitted.
R013-P1-C018 Fraud or material misrepresentation must be attributable to the consumer and connected with the plan. Can occur in application, draw, or repayment phases; omissions as well as affirmative acts may qualify. Applicable state law determines fraud/misrepresentation and any necessary intent. S003 §40(f)(2)(i); S004 comment 40(f)(2)(i)-1. R/I; U. An innocent or immaterial inaccuracy is not automatically this ground.
R013-P1-C019 The repayment ground requires actual failure to make payments under the agreement. The comment expressly rejects acceleration merely because a payment was mistakenly sent to a branch rather than the main office. S003 §40(f)(2)(ii); S004 comment 40(f)(2)(ii)-1. R/I; U. Actual amount, receipt, due date, application, and payment compliance held.
R013-P1-C020 This repayment provision does not supply a universal cure period or override other-law duties. Bankruptcy supports this particular acceleration branch only when repayment terms are not met. State or other law requiring cure notice or another prerequisite is preserved. S004 comment 40(f)(2)(ii)-1. I; U. No bankruptcy-stay, discharge, cure, or enforcement conclusion.
R013-P1-C021 Security-based acceleration requires the rule’s adverse-security connection. Consumer action/inaction must adversely affect the security or rights in it. The comment says third-party acts do not, in themselves, suffice. S003 §40(f)(2)(iii); S004 comment 40(f)(2)(iii)-1. R/I; U. General market decline is not silently substituted for consumer conduct.
R013-P1-C022 The official security examples must be preserved with their qualifications. Listed examples include unpermitted transfer/sale, failure of required insurance or taxes, permitting a senior lien, sole obligor’s death, eminent-domain taking, and prior-lien foreclosure. By contrast, judgment, waste, destructive use/maintenance failure, one of two obligors’ death, or moving out require the specified adverse-security effect; illegal use is illustrated where it exposes the property to seizure. S004 comment 40(f)(2)(iii)-2.i–ii. I; U. The express eminent-domain/foreclosure examples coexist with the third-party limitation; they do not authorize expansion to every third-party event.
R013-P1-C023 The executive-officer branch requires a specifically applicable federal requirement and an initial-agreement provision. §40(f)(2)(iv) is not a general employee or bank-policy exception. As a bounded example, §215.5(d)(4) requires specified member-bank executive credit to carry a written demand condition tied to outside-bank indebtedness exceeding the applicable category amount. S003 §40(f)(2)(iv); S022 opening scope, (c), (d)(4). R; U. Institution type, officer status, applicable category, outside indebtedness, and contract all held.
R013-P1-C024 A valid acceleration event permits specified lesser actions instead. Comment 40(f)(2)-2 includes temporary/permanent suspension, limit reduction, payment-term changes, or a fee; higher rates/fees can be provided for in the agreement in those circumstances. Delayed action requires a qualifying termination condition to exist when the later action is taken. S004 comment 40(f)(2)-2. I; U. This exception cannot be invoked solely because an ordinary temporary-freeze ground exists. Other law and applicable notices remain separate.

C. Draw freezes, limit reductions, duration, and reinstatement

Claim ID Area and precise claim Trigger, conditions, and exceptions Source pinpoint Status / limits
R013-P1-C025 §40(f)(3)(vi) enumerates six temporary restriction grounds. The exact grounds are addressed in C027–C034. Additional relevant routes are the reserved maximum-rate condition, a valid (f)(2) lesser action, or a proper specific consumer agreement/request. S003 §40(f)(3)(i), (iii), (vi); S004 comments 40(f)(3)(vi)-1, -5. R/I; U. No residual “creditor discretion” ground.
R013-P1-C026 Limit-reduction authority cannot be used to force a higher payment by setting the limit below the outstanding balance. The prohibition applies where the below-balance reduction would require the consumer to make a higher payment. S004 comment 40(f)(3)(vi)-1. I; U. No actual balance, limit, or payment calculation.
R013-P1-C027 Collateral value must actually decline significantly below the appraisal value used for the plan. A new appraisal is not mandatory under this provision, but the significant decline must occur before suspension. A general market concern is not the stated factual condition. S003 §40(f)(3)(vi)(A); S004 comment 40(f)(3)(vi)-6. R/I; U. No valuation method or actual property value approved.
R013-P1-C028 The official illustration measures erosion of the initial equity cushion beyond the full line. A reduction by half of the initial difference between available equity and the credit limit is sufficient in the comment. Significance otherwise varies with circumstances. S004 comment 40(f)(3)(vi)-6. I; U. Not a universal 50% property-price decline, 10% decline, or utilization test.
R013-P1-C029 Financial deterioration requires two linked conditions. There must be a material financial change and, because of it, a reasonable belief of inability to fulfill the plan’s repayment obligations. A substantial income decline is an example. Specific evidence such as failure to pay other debts may, but need not, be used. The comment separately identifies bankruptcy as permitting restriction under this branch. S003 §40(f)(3)(vi)(B); S004 comment 40(f)(3)(vi)-7. R/I; U. No particular report, score cutoff, income percentage, or individualized ability finding.
R013-P1-C030 A score change or policy concern alone does not establish the two-part financial-change test. The information must support the required material change and resulting reasonable belief, or another independently applicable ground. C029; S004 comments 40(f)(3)(i)-2 and 40(f)(3)(vi)-1, -7. INF; U. No categorical rule that a score can never be relevant.
R013-P1-C031 Material-obligation default is its own restriction ground. The obligation must be material and under the agreement. Comments permit specified events such as moving out or an intervening lien taking priority over future advances. Section 1647(c)(3) calls for a list of categories deemed material upon request and at agreement opening. S003 §40(f)(3)(vi)(C); S004 comment -8; S001 §1647(c)(3). R/I/S; U. A minor breach is not automatically material; this ground is not automatically an acceleration ground.
R013-P1-C032 Government action preventing the agreed APR can support a temporary restriction. The action must preclude imposition of the agreed APR. The comment’s example is an enacted state usury law that does so. S003 §40(f)(3)(vi)(D); S004 comment -9. R/I; U. Profitability, internal pricing preference, or a merely proposed law is insufficient on this rationale.
R013-P1-C033 The government-priority ground has a specific causation and numerical condition. Government action must adversely affect priority so that the value of the creditor’s security interest is less than 120% of the credit line. S003 §40(f)(3)(vi)(E); S001 §1647(c)(2)(E)(ii). R/S; U. This is not a universal loan-to-value ratio or a rule requiring 20% homeowner equity.
R013-P1-C034 The unsafe-and-unsound ground requires notification from the creditor’s regulatory agency. The notification must state that continued advances constitute an unsafe and unsound practice. S003 §40(f)(3)(vi)(F). R; U. An internal risk memorandum is not the stated agency notification.
R013-P1-C035 Reaching the maximum APR supports restriction only through the specified initial contractual reservation. The initial agreement must reserve freeze/reduction during the period the maximum is reached. S003 §40(f)(3)(i); S004 comments 40(f)(3)(i)-1, 40(f)(2)-1. R/I; U. Reaching the cap does not itself permit acceleration.
R013-P1-C036 The ordinary temporary restriction must end when its supporting condition ends, absent another qualifying condition. Credit privileges must be restored as soon as reasonably possible under the applicable reinstatement process. S004 comments 40(f)(3)(vi)-2, -4. I; U. Distinguish the valid-(f)(2) permanent-suspension alternative and an expired scheduled draw period.
R013-P1-C037 The creditor can monitor or use the properly noticed consumer-request alternative. Monitoring frequency must be adequate for the particular condition. Alternatively, §9(c)(1)(iii) notice may shift the duty to request reinstatement to the consumer; a writing requirement must be disclosed. On request, investigation must be prompt; under that alternative investigation is required upon request. S004 comment 40(f)(3)(vi)-4; S010 comment 9(c)(1)(iii)-1. I; U. No fixed 30-day reinstatement investigation period is supplied here.
R013-P1-C038 Reinstatement investigation fees are narrowly limited. If state law permits, only bona fide, reasonable appraisal/credit-report fees actually incurred in investigating continued existence of the condition may be collected. No reinstatement fee may be imposed once the condition is determined not to exist. S004 comment 40(f)(3)(vi)-3. I; U. No blanket administrative, processing, or reopening fee authorization.
R013-P1-C039 A specific consumer-requested suspension has a separate reinstatement rule. Reinstate on later request unless another ground exists. With multiple obligated consumers who can draw, the agreement may permit any to stop advances; the creditor may require all obligated persons to request reinstatement. S004 comment 40(f)(3)(vi)-5. I; U. No joint-party instructions or consent inferred.
R013-P1-C040 General evidence-retention duties exist, but the rule does not prescribe a universal new-appraisal dossier. §25(a) generally requires compliance evidence for two years after required disclosure/action, with agency extension possible. Comments cover evidence of actions and permit accurate reconstruction; the HELOC comment identifies written procedures and sample disclosure/contract as adequate evidence. S013 §25(a), comments 1–4; C027. R/I; U. No consumer document-demand right or case-specific evidentiary sufficiency finding established.

D. Contractual changes, discretion, and rate conditions

Claim ID Area and precise claim Trigger, conditions, and exceptions Source pinpoint Status / limits
R013-P1-C041 The general term-change prohibition reaches all plan features, not only required disclosures. Ordinarily no new/increased fee, including a third-party fee, after opening. The comment separately permits passing through taxes and specified insurance-premium increases where the cited finance-charge exclusions apply. S003 §40(f)(3); S004 comments 40(f)(3)-1–2; S001 §1647(c)(1). R/I/S; U. Complete fee/APR/insurance classification is held.
R013-P1-C042 An initial event-based change must specify both event and response. General reservations to change any term are insufficient. The contract cannot substitute an expressly disallowed response—such as a margin increase for material financial deterioration or a freeze for insignificant value decline. S004 comments 40(f)(3)(i)-1–2. I; U. A signed boilerplate clause is not independent federal authority.
R013-P1-C043 A change may unequivocally benefit the consumer throughout the remaining plan. Additional options can be offered while existing options remain. The comment also permits temporary rate/fee reductions, with possible notice when original terms resume. S003 §40(f)(3)(iv); S004 comment 40(f)(3)(iv)-1; S001 §1647(c)(4). R/I/S; U. A creditor’s characterization of a restriction as beneficial is not dispositive.
R013-P1-C044 Insignificant operational changes are permitted; substantive fee increases are not thereby permitted. Examples include specified minor billing/index-measurement changes, subject to the comment’s qualifications; changing a late fee is not an insignificant change. S003 §40(f)(3)(v); S004 comments 40(f)(3)(v)-1–2. R/I; U. No actual operational change assessed.
R013-P1-C045 A specified change may be made through specific written agreement at the time of change. Continued account use is not assumed written consent. Even mutual agreement cannot authorize forbidden future index control or extra acceleration events. A new agreed limit does not confer unrestricted future reduction discretion. S003 §40(f)(3)(iii); S004 comments 40(f)(3)(iii)-1–2. R/I; U. Actual agreement and electronic-signature validity held.
R013-P1-C046 Variable-rate changes ordinarily require a public index outside the creditor’s control. The creditor’s own prime/cost-of-funds discretion is insufficient. A published prime rate can qualify even if the creditor contributes to it. Specifically agreed stepped/preferred-rate changes are separately recognized. S003 §40(f)(1); S004 comments 40(f)(1)-1–3; S001 §1647(a). R/I/S; U. No actual index or margin approved.
R013-P1-C047 The general unavailable-index replacement route has cumulative conditions. Original index unavailable; replacement historical fluctuations substantially similar; replacement index plus margin produces a substantially similar APR at unavailability. A newly established index lacks the history requirement but retains the rate comparison. Updated LIBOR comments specify comparison dates, including the prior common publication day where applicable and the Board-selected exception. S003 §40(f)(3)(ii)(A); S019 comments 40(f)(3)(ii)(A)-1–3. R/I; U. No free-standing repricing power or actual benchmark computation.
R013-P1-C048 The LIBOR-specific route carries its own date predicates. §40(f)(3)(ii)(B) permits qualifying replacement on/after April 1, 2022. It uses October 18, 2021 comparison values, or generally the next common publication day if needed; the Board-selected 1-, 3-, 6-, or 12-month replacement exception uses June 30, 2023 LIBOR and the replacement’s first publication value. Newly established-index and similar-APR conditions remain. S003 §40(f)(3)(ii)(B); S019 operative amendment, printed 30622. R/H; U. These benchmark dates are not consumer payment or cure deadlines.
R013-P1-C049 Updated replacement comments contain specified similarity determinations while preserving contract limits. Specified published-prime replacements and Board-selected replacements receive the stated historical-fluctuation treatment. Board-selected replacement with the unchanged margin receives the stated rate-comparison treatment. Under the (B) comment, the relevant prior margin is determined immediately before the replacement notice; equality on the effective day is not required. Neither route excuses contractual noncompliance. S019 comments 40(f)(3)(ii)-1, (A)-2–3, (B)-1–3, printed 30625–30628. I; U. Updated 2023 text used, not stale wording in S004.
R013-P1-C050 Covered variable-rate dwelling credit must state a lifetime maximum interest rate in the contract. §30 and its comments govern; increasing a credit limit or entering repayment does not itself permit raising the ceiling. Specified initial terms, qualifying new obligations, and renewal circumstances require their own analysis. S011 §30 and comments, especially 11–12; S003 §40(d)(12)(ix), (f)(3)(i). R/I; U. This is not a universal federal usury ceiling.

E. Initial disclosures and later Regulation Z notices

Claim ID Area and precise claim Trigger, conditions, and exceptions Source pinpoint Status / limits
R013-P1-C051 Early application disclosures identify possible creditor actions, but can offer the detailed conditions on request. §40(d)(4) requires the possible termination/acceleration, freeze/reduction, and specified-change statements; the conditions may be supplied instead of the on-request statement. S003 §40(d)(4)(i)–(iii); S004 related comments; S002 §1637a(a)(7). R/I/S; U. Disclosure of a possibility is not proof that its condition occurred.
R013-P1-C052 Account-opening disclosures require the actual list of applicable restriction/change conditions. §6(a)(3)(i) and comment 1 require the list; it must be retainable. A highlighted contract or substantially similar regulatory description can serve as specified. The executive-officer condition in (f)(2)(iv) need not be stated under the cited disclosure comment. S009 §6(a)(3), comments 1–4; S004 comment 40(d)(4)(iii)-1; S008 §5(a)(1), (b)(1)(i). R/I; U. Before-first-transaction/obligation timing must be applied to actual events.
R013-P1-C053 Application disclosures and brochure generally accompany provision of the application. §40(b) allows the specified three-business-day mail/delivery alternative after receipt for telephone, publication, and intermediary applications. Denial or withdrawal within that permitted interval has the comment’s exception. S003 §40(a)–(b), (e); S004 comments 40(b)-1–6. R/I; U. Complete origination timing is outside this component.
R013-P1-C054 Certain noncreditor application distributors have their own duties. They provide the brochure and the plan disclosures when they have them; they need not obtain or create the creditor’s disclosures. The comment allocates these third-party duties separately. S003 §40(c); S004 comment 40(c)-1; S005 §1(c)(3). R/I; U. No distributor or agency relationship assumed.
R013-P1-C055 Early §40 disclosures have specific written/electronic presentation rules. Clear, conspicuous writing and applicable grouping/segregation rules apply. Electronic application access requires electronic provision on/with the application as specified; this stage has the stated E-Sign exception. S003 §40(a)(1)–(3); S004 comments 40(a); S008 §5(a)(1)(iii). R/I; U. This exception does not automatically govern later restriction notices.
R013-P1-C056 A disclosed application-terms availability period is not a personal cure deadline or credit promise. §40(d)(2)(i) permits a date or determinable period for obtaining disclosed terms and permits disclosure that terms may change. It does not require the creditor to guarantee all terms. S003 §40(d)(2); S004 comments 40(d)(2)(i)-1–2. R/I; U. No actual calendar calculation or availability assurance.
R013-P1-C057 Covered (f)(3)(i)/(vi) restrictions require a written notice within three business days after action. Creditor must mail or deliver notice to affected consumers, stating specific reasons. This is a post-action outer timing rule, not a universal advance waiting period. S010 §9(c)(1)(iii). R; U. No actual mailing, delivery, or deadline determination.
R013-P1-C058 The restriction notice must disclose a consumer reinstatement-request requirement. If reinstatement must be requested, say so; if the request must be written, the notice must also say so. S010 §9(c)(1)(iii), comment 1; S004 comment 40(f)(3)(vi)-4. R/I; U. A request requirement is not inferred from silence.
R013-P1-C059 The (f)(2) lesser-action freeze has a specific §9(c)(1)(iii) notice exception. Comment 9(c)(1)(iii)-2 says notice under that paragraph is unnecessary when freezing/reducing instead of otherwise permitted termination and acceleration. S010 comment 9(c)(1)(iii)-2; C024. I; U. Does not excuse Regulation B, another term-change notice, contract, or state law.
R013-P1-C060 Other covered term changes normally use the 15-day advance rule. §9(c)(1)(i) applies to changes in §6(a) terms or increased minimum payments. For agreed changes, its text removes the 15-day requirement but says notice before effectiveness. Comment 3 permits delivery as late as effectiveness in its specified default-charge or particular agreed-change circumstances. S010 §9(c)(1)(i), comments 2–3, 6. R/I; U. The text/comment timing distinction is preserved; no universal advance-notice waiver inferred.
R013-P1-C061 Notice exceptions must be read with the express freeze-notice requirement. Specified initially disclosed changes, charge reductions, and court-proceeding agreements have stated exceptions. General examples mentioning credit-limit/suspension changes do not erase §9(c)(1)(iii). On/after October 1, 2022, LIBOR margin reductions are not exempt from the specified replacement notice. S010 comments 9(c)(1)-1; §9(c)(1)(ii)–(iii), comment (ii)-3. R/I; U. No notice exception supplies substantive restriction authority.
R013-P1-C062 Later written Regulation Z notices can be electronic only under applicable electronic-delivery requirements. General §5(a)(1)(iii) treatment includes E-Sign consent/other applicable requirements; the early §40 exception cannot simply be transplanted. S008 §5(a)(1)(iii); S010 §9(c)(1)(iii). R; U. No consent, delivery medium, or receipt facts.
R013-P1-C063 “Business day” here uses the creditor-business-functions definition. For these §40/§9 requirements, §2(a)(6)’s general definition concerns days when offices are open for substantially all business functions. The special all-calendar-days-except-Sundays/holidays definition applies only to its enumerated provisions. S006 §2(a)(6), comments. R/I; U. No automatic weekend/holiday count.
R013-P1-C064 Recipient analysis must combine the specific affected-consumer rule with general multiple-consumer rules. Section 9 speaks to affected consumers; §5(d) generally permits disclosure to a primarily liable consumer when multiple consumers exist, with separate rescission treatment. S010 §9(c)(1); S008 §5(d). R; U. No conclusion about any actual co-obligor’s notice entitlement.
R013-P1-C065 Notice compliance and restriction authority are separate inquiries. A timely, accurate letter can still describe an unsupported restriction; a valid substantive ground can still be accompanied by a notice defect. State/instrument enforceability is another inquiry. S003 §40(f); S010 §9(c)(1), comment 9(c)(1)-2. INF; U. No “notice legalizes the action” conclusion.

F. Bounded Regulation B branch and payment consequences

Claim ID Area and precise claim Trigger, conditions, and exceptions Source pinpoint Status / limits
R013-P1-C066 Regulation B uses its own coverage and actor definitions and includes existing credit. “Applicant” includes someone who has received credit; creditor includes regular participation in credit decisions and participating assignees. Its credit scope is broader than Regulation Z. S014 §§1002.2(e), (j), (l), (m), comments. R/I; U. Regulation Z exclusion does not establish Regulation B exclusion.
R013-P1-C067 A qualifying individual account termination or unfavorable change can be adverse action. §1002.2(c)(1)(ii) excludes from that definition changes affecting all or substantially all of a class. Refusal of an applied-for increase is separately covered. An ordinary within-limit draw is not itself a new application under §2(f). S014 §§2(c)(1)(ii)–(iii), 2(f). R/I; U. Classification requires the actual action and exception analysis.
R013-P1-C068 Regulation B’s adverse-action exclusions are specific. They include expressly agreed changes; action tied to inactivity/default/delinquency of that account; the qualified point-of-sale/loan transaction exception; law-prohibited extensions; and credit types not offered. Paragraph (c)(2) governs overlap. Past default generally does not equal current default for the comment’s exception. S014 §2(c)(2)–(3), comments 2(c)(2)(ii)-1–2. R/I; U. Another debt’s default or a class-wide policy does not itself supply §40 authority.
R013-P1-C069 Qualifying existing-account adverse action ordinarily requires notice within 30 days after action. Written content under §9(a)(2): action, creditor and enforcement-agency information, ECOA statement, plus reasons or the right to obtain reasons. Under the latter route, request within 60 days and statement within 30 days; oral reasons carry the stated written-confirmation right. S015 §9(a)(1)(iii), (a)(2)(i)–(ii). R; U. These are separate triggers, not a 30-day advance freeze notice or reinstatement deadline.
R013-P1-C070 Reasons must identify actual principal reasons with adequate specificity. Merely invoking internal policy or failure to reach a qualifying score is insufficient under §9(b)(2). Credit-score factors or a report-use notice do not themselves satisfy the ECOA reasons requirement. S015 §9(b)(2), comments 1–9. R/I; U. No score or underwriting decision reviewed.
R013-P1-C071 Regulation B has relevant form/recipient exceptions. Section 9(d) permits oral notifications for creditors receiving no more than 150 applications in the preceding calendar year. Section 9(f) allows notice to one applicant, the primary applicant where readily apparent. S015 §9(d), (f). R; U. “Every adverse-action notice must always be written to every person” would be overbroad.
R013-P1-C072 Regulation B disclosure compliance does not establish nondiscrimination compliance. Section 4(a) independently prohibits discrimination on a prohibited basis in any aspect of a credit transaction. Required written disclosures follow §4(d), including applicable electronic requirements. S016 §4(a), (d); S014 §2(m). R/I; U. No actual discriminatory treatment or liability finding.
R013-P1-C073 Draw rights and payment obligations must be analyzed separately. A freeze addresses future extensions; it does not itself cancel the existing repayment obligation. Timely payments defeat reliance on actual missed payments as a ground but do not resolve a different, adequately supported restriction ground. S003 §40(f)(2)–(3); S004 comments 40-5 and 40(f)(2)(ii)-1. INF; U. No available-credit promise, debt discharge, or amount-due determination.

G. Currentness, selected history, and source limits

Claim ID Precise claim Trigger / conditions / exceptions Source pinpoint Status / limits
R013-P1-C074 The inspected eCFR currency date was October 23, 2026; access occurred October 27. Title-level currency is not the section’s legal effective date. S003 displayed metadata; S022 same title metadata. OBS. Complete intervening amendment audit not claimed.
R013-P1-C075 The statutory compilation reported coverage through Pub. L. 119-120, October 7, 2026. That compilation statement is not a full later session-law check. S001–S002 displayed version statements. OBS. October 8–27 statutory lag audit held.
R013-P1-C076 The 2011 CFPB republication took effect December 30, 2011. Publication was December 22; the preamble describes transfer/republication with technical changes. S017 Dates and introductory explanation, 76 FR 79768. H. Does not replace the earlier plan-date transition in C011.
R013-P1-C077 The 2021 LIBOR rule separated effective and mandatory-compliance dates. April 1, 2022 general effectiveness; October 1, 2022 specified notice compliance; October 1, 2023 identified Appendix H amendment. S018 Dates, 86 FR 69716, PDF index 0. H. The Appendix H branch is not a HELOC freeze deadline.
R013-P1-C078 The 2023 LIBOR amendment became effective May 15, 2023. Its request for comments did not make the adopted text merely proposed. It revised Board-selected benchmark and 12-month language. S019 Dates; §2(a)(28), §40(f)(3)(ii)(B), revised comments. H/current incorporated text, subject to source limits.
R013-P1-C079 The relevant 2022 existing-account advisory is listed as withdrawn May 12, 2025. Relevant adverse-action circulars are also listed as withdrawn. No substantive reliance on those documents occurs here. S020 relevant register entries. Withdrawn guidance status. Underlying rules were separately read; withdrawal is not treated as repeal.
R013-P1-C080 Two source-access/version issues remain bounded and visible. Complete consolidated eCFR Supplement I could not be retrieved; CFPB’s §40 LIBOR comments showed older wording. The necessary 2023 amended comments were read directly, but this is not a full supplement amendment comparison. S004 and S019. OBS / partial currentness verification. No inference that failed retrieval means no rule.
R013-P1-C081 The 2022 LIBOR correction fixed two preamble references. Effective February 16, 2022; the correction’s body addresses hyperlinks/document identification. S021 complete relevant correction body, 87 FR 8733. H. No new freeze or acceleration ground derived from it.

4. Official significant-decline illustration

This arithmetic is included because it explains a consequential distinction in comment 40(f)(3)(vi)-6. It is the official generic illustration, not a valuation or credit decision. All amounts are U.S. dollars; the first mortgage and full credit limit are held fixed as in that illustration.

Step Calculation Meaning
1 Original appraisal $100,000 − first mortgage $50,000 = $50,000 available equity Equity before accounting for the full HELOC limit
2 Available equity $50,000 − full credit limit $30,000 = $20,000 initial cushion The relevant initial difference
3 $20,000 × 50% = $10,000 Half the original cushion
4 Lower value $90,000 − first mortgage $50,000 − full credit limit $30,000 = $10,000 remaining cushion The cushion has been reduced by half
5 $100,000 − $90,000 = $10,000 value decline In this example, that is a 10% property-value decline—not a universal legal cutoff

The official comment treats these stipulated circumstances as a significant decline and says significance otherwise varies with circumstances. It does not require a new appraisal before the restriction, but it does require an actual significant decline. No actual property, lien balance, utilization, appraisal, or market was queried. C027–C028; S004, comment 40(f)(3)(vi)-6. Consumer Financial Protection Bureau

5. Timing and delivery: rule periods only

No calendar deadline has been calculated. The start event, applicable definition of day, actor, delivery method, exception, and governing version would have to be established before any actual calculation.

Event Actor and recipient Rule’s period or trigger Delivery / content Boundary
Provision of a covered application Creditor to consumer; separate distributor duties can apply Generally at application provision; specified alternatives within 3 business days after receipt §40 disclosures and brochure; applicable written/electronic presentation Not an approval promise; C051–C055
Account opening / initial transaction Creditor to consumer under applicable recipient rules §5(b)(1)(i) initial-disclosure timing Retainable account disclosures, including actual condition list Not merely an offer to provide the list later; C052
Freeze/reduction under (f)(3)(i) or (vi) Creditor to affected consumer(s), with §5(d) considered No later than 3 business days after action Mail/deliver written specific reasons; disclose request/writing requirements Not a universal advance-notice period; C057–C064
Lesser freeze instead of valid (f)(2) termination Creditor §9(c)(1)(iii)’s specific exception No notice required under that paragraph Other notices remain separate; C059
Other covered term change Creditor to affected consumer(s) Generally 15 days before effectiveness; specified exceptions Written change notice Preserve rule/comment timing qualifications; C060–C061
Reinstatement investigation Creditor, through monitoring or properly noticed request process Adequate monitoring; prompt investigation on a triggering request; restoration as soon as reasonably possible No universal numerical investigation period stated here Not automatically 30 days; C036–C039
Existing-account Regulation B adverse action Regulation B creditor to applicable applicant recipient Ordinarily 30 days after action Required content; written unless applicable exception Separate classification and exception analysis; C066–C072
Regulation B reasons-request route Creditor responding to applicant Request within 60 days of notification; reasons within 30 days; specified written-confirmation provision for oral reasons Actual principal reasons No actual request or deadline determined; C069–C070

These distinctions follow the operative notice text and comments, including the explicit lesser-action exception and the separate Regulation B periods. Consumer Financial Protection Bureau+4

6. Clearly hypothetical qualitative failure branches

These are anonymous, stipulated legal-pattern tests. They contain no actual or invented person, lender, account, property, or case identifiers. “Supported” means the identified federal condition is satisfied under the stipulation; it does not mean that the action is enforceable under every applicable law.

Example ID / branch Stipulated facts Rule-specific result versus unknown Evidence needed in any later authorized application Adverse misclassification to avoid
R013-P1-E001 — Closed-end excluded A single nonreplenishing home-equity loan is correctly classified as closed-end. §40’s HELOC restriction framework does not govern that loan. Its own default/servicing rules remain unknown. C004, C013. Legal obligation and advance/replenishment structure. Calling every home-equity loan a HELOC.
R013-P1-E002 — Business purpose Credit is primarily for business purposes although secured by a residence. §3(a)(1) excludes it from this consumer-plan framework. Other federal/state rules remain open. C007, C066. Actual primary purpose and relevant agreement terms. Treating home collateral as proof of consumer purpose.
R013-P1-E003 — Unsupported decline A restriction cites a general market concern, with no established significant decline in the securing dwelling. The stipulated evidence does not establish (f)(3)(vi)(A). Other grounds are unknown. C027. Plan appraisal baseline, subsequent information, method and date. Equating any market movement or unsupported estimate with the required decline.
R013-P1-E004 — Qualifying significant decline Reliable stipulated information establishes the official half-cushion condition; no other issue is assumed. A temporary value-based restriction condition is supported. Acceleration is not thereby established. C027–C028, C036. Baseline value, full line, relevant prior lien, changed value. Requiring a 50% house-price collapse or treating the example’s 10% as universal.
R013-P1-E005 — Financial change plus reasonable belief A material income reduction is established, and information reasonably connects it to inability to meet plan payments. The two-part financial-change condition is supported. Actual notice, duration, and other-law compliance remain open. C029. Changed circumstances, information available at action, reasoning connecting change to repayment. Omitting either the material change or the reasonable-belief link.
R013-P1-E006 — Score change alone Only a lower score is stipulated; no material financial change or reasonable inability finding is established. The score fact alone does not establish the full (B) test. C029–C030. Actual underlying changes and repayment implications. Treating a score movement as an automatic statutory trigger.
R013-P1-E007 — Material obligation default A genuine material agreement obligation is breached, but adverse effect on security is not stipulated. The material-default restriction branch may be supported; the security-based acceleration ground remains unestablished. C021, C031. Obligation text, materiality, breach, and any distinct security effect. Converting every material draw-restriction default into acceleration.
R013-P1-E008 — Government APR restriction Effective government action actually prevents the agreed APR. The (D) restriction condition is supported during that condition. State preemption and contract application are not decided. C032. Operative government text, effective trigger, applicability. Treating a proposal, profitability concern, or policy preference as government prohibition.
R013-P1-E009 — Government priority impairment Government action impairs priority and satisfies the rule’s less-than-120%-of-line condition. The (E) condition is supported. No priority adjudication or foreclosure right follows. C033. Government action, priority effect, security-interest value, credit line, dates. Recasting the rule as an ordinary 80% LTV test.
R013-P1-E010 — Regulatory direction The creditor’s regulator actually notifies it that continued advances are unsafe and unsound. The (F) condition is supported, subject to scope and duration. C034. Actual regulatory instruction, applicability, date, continuing effect. Substituting an internal risk committee’s view for agency notification.
R013-P1-E011 — Creditor-policy-only freeze A new portfolio policy is the only reason; no enumerated ground, valid acceleration event, or specific consumer agreement exists. The stipulated policy alone does not supply §40 restriction authority. C025, C042. Ground-specific information and applicable contract provisions. Assuming all-account treatment or policy consistency legalizes a freeze.
R013-P1-E012 — Condition ceases The original temporary condition has ended, no other ground exists, and the applicable reinstatement-request process has been satisfied. Restoration duty applies as soon as reasonably possible. No fixed individual deadline is calculated. C036–C037. Cessation evidence, other-ground review, notice/request sequence. Keeping an ordinary temporary restriction indefinitely or promising instant credit.
R013-P1-E013 — Termination ground versus draw freeze Significant value decline exists, but none of the ordinary acceleration grounds is established. The decline may support temporary draw restriction; it does not itself establish acceleration. C017, C027. Separate facts for any asserted (f)(2) ground. Using a freeze condition as an automatic balance-due-in-full event.
R013-P1-E014 — Notice given, authority unknown A specific, timely restriction letter was delivered; its underlying factual basis is not established. Notice compliance may be supported; substantive authority remains unknown. C057, C065. Ground evidence and contract/state analysis, independently of the letter. Treating the notice as proof that the action was authorized.
R013-P1-E015 — Timely payments, separate freeze issue All required payments are timely; a separate significant collateral decline is stipulated. Missed-payment acceleration is unavailable on these facts; the separate temporary restriction condition can still be tested. C019, C027, C073. Payment compliance and independent value-ground evidence. Assuming current payments guarantee continued draws, or that a freeze cancels payments.
R013-P1-E016 — Reverse-mortgage branch The obligation meets §33(a)’s reverse definition and is structured as open-end credit. Use §40(f)(4) for its termination conditions; do not declare all of §40 inapplicable. Program-specific limitations remain unknown. C014–C015. Product terms, nonrecourse/security/occupancy features, applicable program. Applying ordinary HELOC acceleration rules without the reverse exception.
R013-P1-E017 — Maximum rate reached The maximum APR is reached and the initial agreement specifically reserves temporary draw restriction. The cap-based restriction route is supported; cap-based acceleration is not. C017, C035. Initial reservation, cap terms, rate event, duration. Treating a contractual rate ceiling as a demand-loan trigger.
R013-P1-E018 — Nonmaterial inaccuracy An inaccuracy is stipulated to be nonmaterial and not fraud under applicable law. The fraud/material-misrepresentation ground is not established by that fact. C018. Statement/omission, significance, applicable legal elements and required intent. Treating every incorrect application statement as fraud.
R013-P1-E019 — Payment sent to wrong office Payment was mistakenly sent to a branch rather than the main office; no actual payment failure is otherwise established. The official comment rejects acceleration merely on that basis. C019–C020. Payment transmission, receipt, posting, agreement, other-law requirements. Replacing actual nonpayment with a technical routing error.
R013-P1-E020 — Continued use treated as consent The consumer keeps using the line after a unilateral change but provides no specific written agreement. Continued use does not satisfy §40(f)(3)(iii)’s written-agreement condition. C045. Specific contemporaneous agreement and applicable signature evidence. Importing a general state-law acceptance-by-use theory into this federal exception.
R013-P1-E021 — Reinstatement fee The condition is established to have ended, but a charge is demanded simply to restore the line. The comment prohibits that reinstatement fee. Actual investigation costs have a separate narrow test. C038. Fee purpose, actual cost, condition determination, applicable state law. Rebranding a reopening charge as an allowable appraisal fee.
R013-P1-E022 — Judgment without security effect A judgment exists, but its amount and collateral reach are stipulated not to impair the creditor’s security. The security-based acceleration example is not satisfied merely by the judgment’s existence. C021–C022. Judgment’s legal effect, relevant collateral and amount—only in a separately authorized inquiry. Treating any judgment or third-party event as automatic acceleration authority.

7. Blank generic document-audit worksheet

This is an unpopulated worksheet, not a records request. It intentionally omits identity, account-number, address, license, and case-identifier entries.

Audit field Blank entry Rule question / reference
Primary credit purpose _____ Consumer versus business; C002, C007
Natural-person / organizational / trust structure _____ C002, C008
Open-end plan features _____ Repeated transactions, periodic charge, replenishment; C004
Closed-end or later conversion features _____ C004, C013
Dwelling classification and residential use _____ C005
Principal-dwelling relevance _____ Coverage versus other product rules; C005, C009, C014
Security type and legal recognition _____ C006
First/subordinate lien or dragnet feature _____ C005–C006
Creditor / assignee / holder role _____ C003, C016
Amount-exemption predicate, if relevant _____ C009
Original agreement / consummation date category _____ C011
Renewal, expiration, security-addition, or modification date category _____ C011–C013, C016
Draw period and repayment period _____ C012
Initial restriction/change reservations _____ C035, C042
Action classified: freeze / reduction / termination / acceleration / scheduled phase change _____ C017, C024–C025
Exact claimed federal ground _____ C018–C035
Action date and governing rule version _____ C074–C081
Source of information supporting the ground _____ C027–C034, C040
Information date and what was known when action occurred _____ Ground-specific factual timing
Plan appraisal baseline and significant-decline analysis _____ C027–C028
Material financial change _____ First part of C029
Reasonable-belief link to repayment inability _____ Second part of C029
Agreement obligation and why material _____ C031
Repayment obligation and actual alleged failure _____ C019–C020
Actor causing security effect _____ C021–C022
Nature and extent of adverse security/right effect _____ C021–C022
Government action / agency notification and applicability _____ C023, C032–C034
Initial maximum-rate reservation and cap event _____ C035, C050
Initial disclosures and actual condition list _____ C051–C055
Later notice provision and exception claimed _____ C057–C061
Notice content, dispatch/delivery, medium, and recipient basis _____ C057–C064
Electronic-consent basis, if applicable _____ C055, C062, C072
Applicable business-day definition and triggering event _____ C063; no date calculation entered
Independent Regulation B classification and exception _____ C066–C071
Contractual/state/other-law cure requirements _____ C020; held
Continuing condition / cessation evidence _____ C036
Monitoring versus noticed request procedure _____ C037
Reinstatement request and investigation sequence _____ C037, C039
Investigation fee purpose, actual cost, and state-law permission _____ C038
Any other independently continuing restriction ground _____ C036–C037
Contract/state enforceability and remedies questions _____ Held; no determination
Unresolved source/version issue _____ C074–C081
Separate parent question requiring later assignment _____ Parent holds below

8. Granular coverage table

“Answered” means that the generic federal proposition was investigated to the stated bounds. It does not mean component acceptance, factual application, state-law completion, or parent closure. A next step below is a bounded research description, not authorization to query records or identifiers.

Coverage item Disposition and claim/example links Exact missing authority or facts Next bounded permissible investigation
Consumer-credit purpose Answered conditionally — C001–C002, C007; E002 Actual use/purpose and mixed-purpose facts Generic §3(a) analysis of a supplied, de-identified product description
Open-end versus closed-end Answered — C004, C013; E001 Actual legal replenishment and advance conditions Compare generic plan terms to §2(a)(20)
Dwelling versus principal dwelling Answered — C005 Residential-use facts; which separate principal-dwelling rule matters Examine only the relevant generic definition branch
First versus second lien Answered for §40 coverage — C005–C006 Actual security and priority facts Generic instrument/security classification; no priority adjudication
Manufactured/mobile/boat residence Answered at definition level — C005, C009 Residential use, attachment, principal use, amount-exemption facts Bound a later product-specific definition inquiry
Legally recognized security; incidental interests Partial / facts held — C006 Applicable state/federal recognition and instrument scope Published jurisdiction-specific law if separately assigned
Dragnet / cross-collateralization Answered conditionally — C006 Whether clause applies or was effectively waived Generic contract-clause comparison
Ordinary creditor and special card roles Answered at federal definition level — C003, C010 Initial payee, regularity, special class, statutory actor exclusion Read only an identified generic actor-class exception if necessary
Business credit Excluded from this §40 consumer branch when established — C007; E002 Actual primary purpose Separate generic business-credit assignment
Organization / trust Answered with exceptions — C008 Legal structure and consumer substance Generic trust/organizational classification
Amount exemption Answered conditionally — C009 Relevant period, security type, initial extension/commitment Period-specific official threshold and commitment analysis
Card-access HELOC versus non-home-secured card Answered — C010 Actual account structure No complete credit-card regime investigation in this pass
Historical plan and security-addition dates Answered conditionally — C011 Original entry, renewal, security-addition dates Historical official version for a stipulated date category
Draw/repayment phases and later conversion Answered — C012–C013 Original versus later terms; replenishment Generic clause-level classification
Reverse-mortgage definition Answered at boundary level — C014; E016 Nonrecourse, principal security, payment-event structure Product-specific §33 study if separately assigned
Reverse termination / government program Partial — C015; E016 Applicable HUD/HECM or other program; spouse/occupancy/cure facts Official program rules only after a bounded program assignment
Fraud/material misrepresentation Answered federal condition; state elements held — C018; E018 Required state elements, intent, materiality, actual conduct Published law of a specified jurisdiction, without case-record searches
Actual repayment failure Answered — C019; E019 Actual obligation and payment facts Generic payment/default clause analysis
Cure and timing before acceleration Partial / held — C020 State, instrument, insolvency, other-law duties Separate jurisdiction/product cure research; no personal deadline
Security impairment and actor Answered federal test — C021–C022; E022 Causation, collateral/right affected, actual impairment Generic legal-effect analysis under identified applicable law
Third-party events and official examples Answered with preserved qualifications — C021–C022 Actual fit with an express example and other law No expansion beyond the published examples without authority
Executive-officer federal demand condition Partial, bounded — C023 Actor/program coverage, category, required condition, initial clause Complete generic Regulation O branch only if needed
Lesser action instead of acceleration Answered — C024; E013 Valid ground existing at action time Compare stipulated grounds and action; preserve notice branches
Unsupported versus significant value decline Answered — C027–C028; E003–E004 Baseline, reliable changed value, significance facts Generic methodology only; no property lookup
Financial change plus reasonable inability belief Answered — C029–C030; E005–E006 Material change and contemporaneous causal reasoning Generic evidence-category review, no score/report query
Material-obligation default Answered conditionally — C031; E007 Material agreement term, breach, required category disclosure Generic obligation and disclosure comparison
Government APR restriction Answered conditionally — C032; E008 Operative applicable law, preclusion, duration Published government-action text only
Government priority impairment Answered conditionally — C033; E009 Government causation, priority effect, security-value/line predicate Separate generic priority-law study; no title/record search
Regulatory unsafe-and-unsound direction Answered conditionally — C034; E010 Applicable regulator notification and continuing scope Public generic regulatory text if relevant; no institution query
Creditor-policy-only restriction Answered — C025, C042; E011 Any genuinely separate permitted ground No general policy exception inferred
Maximum-rate condition Answered — C035, C050; E017 Initial reservation, maximum, event and duration Generic rate-cap clause analysis
Temporary duration and cessation Answered — C036; E012 When condition ended; other grounds; draw-period status Generic reinstatement sequencing
Monitoring/request alternatives Answered — C037, C058 Proper notice, request, investigation sequence Compare blank/generic notice wording
Reinstatement charges Answered — C038; E021 Actual incurred cost, fee purpose, state law Separate generic state fee rule if assigned
Consumer-requested/multiple-consumer freeze Answered — C039 Agreement permissions and request requirements Generic joint-obligation clause analysis
Documentation and retention Answered within §25(a) — C040 Actual compliance evidence; other applicable retention rules No broad discovery or records-request branch in this pass
Contractual change limits Answered — C041–C045; E020 Exact existing and proposed clauses Generic clause comparison
Variable index and replacement Answered to necessary conditions — C046–C049 Actual index, contract, margin, replacement date Separate numerical transition audit only if expressly assigned
Lifetime maximum rate Answered at governing-rule level — C050 Initial cap and permitted-change facts No APR/points/usury calculation here
Early application disclosure Answered to focused content/timing — C051, C053–C056 Distribution method and application event Blank disclosure review, without full underwriting redo
Opening condition list Answered — C052 Actual list, retainability, timing Generic account-opening document review
Later restriction notice Answered — C057–C059; E014 Ground, action date, dispatch, content, recipient Blank notice comparison; no actual deadline
Other changes / 15-day rule Answered with text/comment qualification — C060–C061 Change type, agreement, exception Narrow clause-specific notice analysis
Electronic delivery / recipients / business days Answered conditionally — C062–C064 Consent, medium, liable-party roles, business schedule Generic delivery requirements only
Regulation B adverse-action classification Answered, bounded — C066–C068 Class-wide effect, exception, application versus account action Separate classification of stipulated generic facts
Regulation B content, timing, exceptions Answered, bounded — C069–C071 Applicable actor exception and notice path Blank notice review; no complete origination investigation
Nondiscrimination / FCRA Partial / held — C070, C072 Actual discrimination evidence; complete FCRA authority and facts Separate official-source assignment; no report or person query
Draw rights versus payments Answered — C073; E015 Actual repayment and draw terms No balance, credit-availability, or discharge determination
Currentness and selected history Answered with explicit gaps — C074–C081 Full intervening law audit and complete supplement comparison Additional public primary version comparison, if assigned
Guidance withdrawal Answered for materials identified — C079 No substantive reliance on advisory/circular content Recheck register and publisher if a future assignment would use guidance
Opinions, standing, remedies, litigation Excluded / preserved No consequential opinion was necessary here; actual jurisdiction/remedy facts absent Separate published-opinion research only if material; no dockets
Remaining A013 dimensions Unresolved by design All broader product, servicing, foreclosure, deficiency, loss-mitigation, and other parent matters Separate focused component; no parent closure

9. Read and failure log

Log item What actually happened Consequence for this report
Core operative reading Complete §1026.40 operative body was read, including all four termination branches, all six (f)(3)(vi) grounds, the maximum-rate provision, contractual exceptions, and reverse branch. Necessary official comments were read as bodies. Main conclusions do not rest on search snippets, headnotes, or a consumer summary.
Statutory preliminary-route failure The initial §1647 preliminary route returned maintenance content: https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title15-section1647&num=0&edition=prelim. The analogous §1637a route failed: https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title15-section1637a&num=0&edition=prelim. Bodies were recovered through the specific OLRC compilation URLs in S001–S002. No “no statute” inference.
Consolidated Supplement I failure The eCFR supplement URL in S004 returned a content-length error, exceeding the retrieval limit. No claim of a full consolidated eCFR supplement read. Necessary CFPB comments and the published 2023 amendments were read separately.
CFPB embedded-comment defect §6(a)(3)-1 appeared as a placeholder in the regulation page. Separate official interpretation page supplied the actual text; this gap was repaired.
CFPB LIBOR version mismatch The §40 interpretation page’s displayed LIBOR comments used older ARRC/1-year wording; the current rule and 2023 amendment use Board-selected/12-month wording. S019’s actual amendment and updated comments control the discussion here. No silent assumption that a “current” label guarantees perfect consolidation.
2011 official PDF failure The GovInfo PDF in S017 could not be fetched because the response was too large; the tool reported 40,909,875 bytes. Effective-date and republication discussion relies on the freshly read publisher HTML. Official PDF verification remains a precise gap.
2021 and 2023 PDFs Official PDFs were retrieved and specified parsed portions read. Parsed text only; no pixel inspection, full-form review, or full-document reading claim.
Discovery searches Searches surfaced historical versions, unrelated rules referencing Part 1026, proposed/RFI material, and secondary results. Those discoveries were not used as operative body authority or as proof of current legal status.
Guidance check The relevant withdrawn-guidance entries were read. No advisory, circular, bulletin, or informal FAQ supplies the substantive framework.
Opinions / records No published opinion was needed for the conclusions reached; no case-record or docket-status query was performed. No holding, posture, disposition, later-history, standing, remedy, or filing conclusion is implied.
Reuse Sources were reopened during this pass to verify exact clauses, dates, and missing text. Same-document repetitions are not counted as independent review or corroboration; no saved report was reused.

10. Question → claim/source crosswalk

Assigned question Claim and example links Principal source links
1. Establish consumer/open-end/dwelling/security/creditor coverage and precise exclusions C001–C016; E001–E002, E016 S001–S007, S012, S018
2. Complete termination/acceleration conditions; actor, materiality, security effect, timing, cure C017–C024; E013, E018–E019, E022 S001, S003–S004, S022
3. Complete freeze/reduction grounds; actual decline, material change, belief, government predicates C025–C035; E003–E011, E017 S001, S003–S004
3. Duration, reinstatement, monitoring/request alternatives, charges, documentation C036–C040; E012, E021 S004, S010, S013
4. Contract changes, discretion, variable index, maximum rate C041–C050; E017, E020 S001, S003–S004, S011, S018–S019
4. Initial disclosures and later restriction/change notices C051–C065; E014 S002–S004, S006, S008–S010
4. Bounded Regulation B and nondiscrimination distinction C066–C072; E011, E014 S014–S016, S020
5. Freeze versus acceleration; draws versus payments; excluded branches C004–C016, C024–C039, C073; E001–E022 S003–S004, S006–S007, S012
Currentness, selected history, withdrawal, access/version gaps C074–C081; source and failure registers S001–S004, S017–S021
Audit worksheet and preservation of parent questions Sections 7–8 and parent holds below Derived from the cited conditions; not a new legal authority

11. Self-check — not independent review

This was a single-investigator self-check, not an independent review, acceptance decision, or certification.

Check Result
Coverage before application The analysis separately tests consumer purpose, open-end structure, dwelling/security, creditor status, exemptions, and historical dates.
Complete principal restriction grounds All §40(f)(2)(i)–(iv), (f)(3)(vi)(A)–(F), maximum-rate, and reverse-termination branches are identified.
Actor and causation Consumer conduct, government action, regulatory notification, and internal creditor policy are distinguished.
Materiality Material misrepresentation, material financial change, and material obligation default are not treated as interchangeable.
Temporary versus permanent Ordinary condition-based restrictions are distinguished from the valid-acceleration lesser-action exception.
Payment versus drawing No freeze is treated as payment forgiveness, and current payments are not treated as a guarantee of future advances.
Notice versus authority Regulation Z, Regulation B, and contract/state enforceability remain separate inquiries.
Numeric discipline Only actual published thresholds/periods and the official generic equity illustration are used. No individual amount or calendar deadline is calculated.
Source discipline Operative primary bodies and necessary comments were read; discovery-only material is not a foundation.
Currentness discipline Access dates, compilation currency, effective dates, historical predicates, withdrawn guidance, and unverified status questions are distinguished.
Access honesty Failed retrievals, repaired placeholders, the LIBOR mismatch, and parsed-text-only PDF reading are disclosed.
Owner limits No identifiers, records searches, actual credit decision, foreclosure determination, filing, contact, publication, subagent, or local coordinator artifact.

12. Specific parent holds

The following remain expressly open:

  • All actual application facts: purpose, product, natural-person/organization/trust status, open-end structure, original and later agreements, creditor/payee/assignee/holder status, collateral and security recognition, lien position, appraisal and other valuation facts, full credit line and balance, financial change, repayment capacity, payment performance, default, fraud/materiality/intent, information and knowledge at the relevant time, regulatory/government action, notices, electronic consent, recipients, cure, monitoring, requests, and reinstatement.
  • All actual date and instrument questions: consummation, original plan entry, renewal, expiry, addition of security, draw-to-repayment transition, later conversion, action date, mailing/delivery date, governing version, contractual reservations, and state-law formation/enforceability.
  • Other A013 product dimensions: first and second closed-end mortgages, other home-equity products, comprehensive reverse/HECM rules, manufactured-home-specific regimes, arrears, escrow, scheduled balloons, deficiency, and loss mitigation.
  • Other substantive and remedial fields: complete origination/underwriting, APR/finance-charge/points/usury, rescission, servicing, payment application, errors, credit reporting/FCRA, valuation-copy and valuation-independence regimes beyond the identified cross-references, foreclosure, priority adjudication, deficiency, collections, settlement, limitations, remedies, standing, litigation, tax, insolvency, bankruptcy stays/discharge, and court filing questions.
  • Jurisdictional holds: state, local, tribal, territorial, international, and country-specific law, including applicable choice-of-law and program protections.
  • Source-status holds: a full current official CFR-edition comparison, complete session-law lag audit, complete Supplement I amendment audit, and any separate published-opinion/later-history investigation that a later, properly bounded question might require.

No component, parent, operations, state-law, or publication acceptance is entered. No individual liability, eligibility, creditworthiness, available-credit, foreclosure-right, or legal-deadline determination is made.

END R013 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

Situation · Federal provision being tested · What that provision can support · 6 data rows

SituationFederal provision being testedWhat that provision can supportWhat it does not establish
An enumerated temporary restriction condition exists§1026.40(f)(3)(vi)(A)–(F)Prohibition of additional extensions or reduction of the credit limit while the qualifying condition existsAutomatic acceleration, payment forgiveness, foreclosure authority, or permanent cancellation
The maximum APR is reached and the initial agreement reserves the response§1026.40(f)(3)(i)A freeze or reduction during that periodAcceleration merely because the cap was reached
A valid ordinary termination ground exists§1026.40(f)(2)(i)–(iv)Early termination and demand for the outstanding balance, subject to other applicable requirementsSatisfaction of contractual, state-law, cure, insolvency, or enforcement prerequisites
A valid termination ground exists, but a lesser action is selectedComment 40(f)(2)-2Actions including temporary or permanent suspension, limit reduction, or specified changes discussed in the commentPermission to use that exception when no termination ground exists
A scheduled draw period ends under the original planComments 40-4 and 40-5Operation of the originally agreed repayment phase, subject to applicable disclosures and substantive rulesProof of an exceptional freeze, a new default, or an entitlement to renewal
The transaction is a qualifying reverse mortgage§§1026.33(a), 1026.40(f)(4)The distinct reverse-mortgage termination frameworkA blanket exemption from every part of §1026.40 or satisfaction of HUD/program protections

Captured table 02

Status category · Treatment in this report · 8 data rows

Status categoryTreatment in this report
Current text inspectedThe eCFR §1026.40 body; CFPB regulatory text and necessary official interpretations, subject to the specific version discrepancy identified below
HistoricalThe pre-November 7, 1989 transition provisions; the 2011 transfer/republication rule; the 2021 LIBOR rule and its compliance dates; the 2022 correction; the 2023 amendment’s adoption history
Proposed / discovery onlySearch results containing proposals, requests for information, historical versions, or unrelated part-wide changes were not treated as operative amendments
Future effectiveNo future-effective change to the focused restriction provisions was established from the bodies relied on here. This is not a certification that no such change exists
WithdrawnThe CFPB register lists the 2022 existing-credit-arrangements advisory and relevant adverse-action circulars as withdrawn. Their substantive guidance is not a foundation here
RepealedWithdrawal of those guidance documents was not treated as repeal of TILA, ECOA, Regulation Z, Regulation B, or their codified interpretations
Stayed / vacatedNo litigation-history or docket-status audit was conducted. This report makes no comprehensive “never stayed” or “never vacated” representation
Unknown / heldActual application; complete session-law lag audit; complete consolidated Supplement I comparison; state, contract, program, remedy, and parent questions

Captured table 03

Source ID · Issuer / title / complete literal HTTPS URL · Exact provisions and read bounds · 7 data rows

Source IDIssuer / title / complete literal HTTPS URLExact provisions and read boundsVersion, effective predicate, and limits
R013-P1-S001House Office of the Law Revision Counsel, 15 U.S.C. §1647, Home equity plans. https://uscode.house.gov/us/usc/119-120/t15/s1647/Fresh HTML: subsections (a)–(e), source and amendment/effective-date notes. Especially (b), (c)(1)–(4). No PDF pages.Compilation through Pub. L. 119-120, October 7, 2026. Statutory text, not regulatory commentary. No complete October 8–27 session-law audit. uscode.house.gov +1
R013-P1-S002OLRC, 15 U.S.C. §1637a, Disclosure requirements for open end consumer credit plans secured by consumer’s principal dwelling. https://uscode.house.gov/us/usc/119-120/t15/s1637a/Fresh HTML: application-disclosure body, particularly (a)(5)–(8), (b)–(e), including the special definition in (d); effective-date notes. No PDF pages.Same October 7 compilation limit. The special statutory treatment of second/vacation homes is confined to the provisions identified in (d); it does not redefine principal dwelling throughout Regulation Z. uscode.house.gov +1
R013-P1-S003OFR/GPO eCFR, 12 CFR §1026.40. https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-E/section-1026.40. CFPB mirror: https://www.consumerfinance.gov/rules-policy/regulations/1026/40/Fresh: complete operative eCFR section, introduction and (a)–(h), with complete (f)(1)–(4). Selected mirror comparison. HTML; no PDF index.eCFR Title 12 currency October 23, 2026. Section’s amendment citation lists 2011, 2021, and 2023 publications. eCFR describes itself as authoritative but unofficial, not the official legal CFR edition. ecfr.gov +2
R013-P1-S004CFPB, Official interpretations of §1026.40. https://www.consumerfinance.gov/rules-policy/regulations/1026/interp-40/. Attempted consolidated eCFR supplement: https://www.ecfr.gov/current/title-12/chapter-X/part-1026/appendix-Supplement%20I%20to%20Part%201026Fresh: general comments 40-1–7; necessary form, timing, third-party, and (d)(4) comments; 40(f)-1; complete relevant (f)(1), (f)(2), (f)(3) introductory, (i), (iii)–(vi) comments; selected (g) comments. LIBOR wording compared with S019.CFPB page labeled current, but its displayed (f)(3)(ii) comments retain older ARRC/“1-year” wording. Updated 2023 text was read in S019 instead. Consolidated eCFR Supplement I retrieval failed because of response size. No full consolidated-supplement audit claimed.
R013-P1-S005CFPB, §1026.1—Authority, purpose, coverage, organization, enforcement, and liability. https://www.consumerfinance.gov/rules-policy/regulations/1026/1/Fresh: (b), (c)(1)–(3), necessary coverage interpretation. HTML; no pages.Current agency presentation. General coverage and application-distributor extension examined; no independent audit of every special actor exclusion. Consumer Financial Protection Bureau
R013-P1-S006CFPB, §1026.2—Definitions and rules of construction. https://www.consumerfinance.gov/rules-policy/regulations/1026/2/Fresh: (a)(6), (10)–(15), (17), (19), (20), (25), necessary related comments; relevant distinction in (24); updated (28) also checked through S019. HTML; no pages.Current agency presentation. Definitions read for this component; no consumer, creditor, security, or consummation fact established. Consumer Financial Protection Bureau +4
R013-P1-S007CFPB, §1026.3—Exempt transactions. https://www.consumerfinance.gov/rules-policy/regulations/1026/3/Fresh: complete relevant (a), (b), business/organizational/trust and open-end threshold comments; comment 3(b)-3.xvii. HTML; no pages.Current agency text specifies $73,400 for January 1–December 31, 2026. Amount exemption’s real-property/principal-dwelling exceptions are critical. Other exemption categories were not comprehensively investigated. Consumer Financial Protection Bureau +3
Source links captured in this table

Captured table 04

Source ID · Issuer / title / complete literal HTTPS URL · Exact provisions and read bounds · 9 data rows

Source IDIssuer / title / complete literal HTTPS URLExact provisions and read boundsVersion, effective predicate, and limits
R013-P1-S008CFPB, §1026.5—General disclosure requirements. https://www.consumerfinance.gov/rules-policy/regulations/1026/5/Fresh: (a)(1), (b)(1)(i), (c), (d), necessary comments on writing, electronic delivery, initial timing, and multiple consumers. HTML.Current presentation. No actual electronic-consent or delivery finding. Consumer Financial Protection Bureau +2
R013-P1-S009CFPB, §1026.6—Account-opening disclosures, and separate interpretation page. https://www.consumerfinance.gov/rules-policy/regulations/1026/6/; https://www.consumerfinance.gov/rules-policy/regulations/1026/interp-6/Fresh: (a)(3)(i)–(vii), (a)(4), comments 6(a)(3)-1–4 and relevant security comments. HTML.Embedded comment 6(a)(3)-1 appeared as a placeholder; actual text recovered from the separate interpretation page. That particular retrieval gap was repaired. Consumer Financial Protection Bureau +1
R013-P1-S010CFPB, §1026.9—Subsequent disclosure requirements. https://www.consumerfinance.gov/rules-policy/regulations/1026/9/Fresh: complete relevant (c)(1)(i)–(iii), comments 9(c)(1)-1–4, 9(c)(1)(i)-1–6, (ii)-1–3, and (iii)-1–2. HTML.Current presentation includes the LIBOR margin-notice provision operative for notices on/after October 1, 2022. Non-home-secured card rules were not imported. Consumer Financial Protection Bureau +2
R013-P1-S011CFPB, §1026.30—Limitation on rates. https://www.consumerfinance.gov/rules-policy/regulations/1026/30/Fresh: operative section and comments 1–12. HTML.Lifetime contractual maximum-rate requirement and restrictions on changing the ceiling examined. No actual rate, usury, or renewal determination. Consumer Financial Protection Bureau +1
R013-P1-S012CFPB, §1026.33—Requirements for reverse mortgages. https://www.consumerfinance.gov/rules-policy/regulations/1026/33/Fresh: complete (a) definition and necessary comments, including default treatment. HTML.Classification boundary only. No comprehensive reverse-mortgage disclosure, HUD/HECM, spouse, servicing, or program analysis. Consumer Financial Protection Bureau
R013-P1-S013CFPB, §1026.25—Record retention. https://www.consumerfinance.gov/rules-policy/regulations/1026/25/Fresh: (a), (b), comments 25(a)-1–4. HTML.General two-year evidence rule and HELOC-specific evidence comment. Other mortgage-retention regimes are held. Consumer Financial Protection Bureau
R013-P1-S014CFPB, Regulation B §1002.2—Definitions. https://www.consumerfinance.gov/rules-policy/regulations/1002/2/Fresh: (c)(1)–(3), (e), (f), (j), (l), (m), necessary interpretations. HTML.Current presentation. Existing-account adverse-action branch bounded; complete origination and business-credit procedures not redone. Consumer Financial Protection Bureau +1
R013-P1-S015CFPB, Regulation B §1002.9—Notifications. https://www.consumerfinance.gov/rules-policy/regulations/1002/9/Fresh: relevant (a)(1), (a)(2), (b), (d), (f), necessary comments including 9(b)(2)-9; business/incomplete-application provisions read only to bound adjacent branches. HTML.Current presentation. Existing-account timing, content, reasons, oral exception, and multiple-applicant rules examined. FCRA not independently audited. Consumer Financial Protection Bureau +2
R013-P1-S016CFPB, Regulation B §1002.4—General rules. https://www.consumerfinance.gov/rules-policy/regulations/1002/4/Fresh: (a), necessary comment, and (d) form/electronic disclosure provisions. HTML.Current presentation. Independent nondiscrimination and disclosure duties; no actual discrimination or creditworthiness decision. Consumer Financial Protection Bureau +1
Source links captured in this table

Captured table 05

Source ID · Issuer / title / complete literal HTTPS URL · Exact provisions, printed page, PDF index, and read bounds · 6 data rows

Source IDIssuer / title / complete literal HTTPS URLExact provisions, printed page, PDF index, and read boundsVersion, effective predicate, and limits
R013-P1-S017CFPB/OFR, Truth in Lending (Regulation Z), 2011 interim final rule. https://www.federalregister.gov/documents/2011/12/22/2011-31715/truth-in-lending-regulation-z. Attempted official PDF: https://www.govinfo.gov/content/pkg/FR-2011-12-22/pdf/2011-31715.pdfFresh HTML: action, summary, Dates, transfer/republication explanation; selected §40 material. Printed start 76 FR 79768; eCFR source citation 79772. PDF retrieval failed; no PDF index read.Published December 22, 2011; effective December 30, 2011. Historical republication, subsequently amended. HTML is the publisher’s XML rendition, not the official legal PDF. No full-document read claimed.
R013-P1-S018CFPB/OFR/GPO, Facilitating the LIBOR Transition (Regulation Z), 2021 final rule. https://www.federalregister.gov/documents/2021/12/08/2021-25825/facilitating-the-libor-transition-regulation-z; https://www.govinfo.gov/content/pkg/FR-2021-12-08/pdf/2021-25825.pdfFresh HTML: Dates and selected HELOC/index/notice discussion. Official PDF parsed first-page text, printed 69716, zero-based index 0. No claim to reading all 85 PDF pages.Effective April 1, 2022, except identified Appendix H amendment effective October 1, 2023. Mandatory §9 change-notice compliance October 1, 2022; other provisions April 1, 2022. Historical text must be read with S019 and S021. federalregister.gov +1
R013-P1-S019CFPB/OFR/GPO, Facilitating the LIBOR Transition Consistent With the LIBOR Act, 2023 interim final rule. https://www.federalregister.gov/documents/2023/05/11/2023-09129/facilitating-the-libor-transition-consistent-with-the-libor-act-regulation-z; https://www.govinfo.gov/content/pkg/FR-2023-05-11/pdf/2023-09129.pdfFresh HTML: Dates; amendments to §2(a)(28), §40(f)(3)(ii)(B); complete revised §40(f)(3)(ii), (A), (B) comments. Printed 30598, 30622, 30625–30628. PDF parsed checks: index 0, 24, and portions of 27–30 covering those provisions; not every intervening PDF line independently re-read.Effective May 15, 2023; comment deadline June 12, 2023 was not an effective-date delay. An interim final rule, not merely a proposal. Updated terminology and 12-month branch used to address S004’s mismatch. federalregister.gov +7
R013-P1-S020CFPB, Withdrawn Guidance register. https://www.consumerfinance.gov/compliance/guidance/withdrawn-guidance/Fresh HTML: relevant advisory-opinion and circular entries, including existing-account revocations and adverse-action guidance; read relevant register portion, not every entry. No PDF pages.Relevant entries list withdrawal on May 12, 2025. Used for publisher status only. No circular, bulletin, or advisory supplies a substantive conclusion here. Consumer Financial Protection Bureau +1
R013-P1-S021CFPB/OFR, Facilitating the LIBOR Transition; Correction. https://www.federalregister.gov/documents/2022/02/16/2022-03344/facilitating-the-libor-transition-regulation-z-correctionFresh complete relevant HTML body: summary, Dates, corrections to two preamble footnotes. 87 FR 8733. PDF not opened; index not applicable.Effective February 16, 2022. Corrects hyperlinks/document reference in the 2021 preamble, not the focused freeze grounds. federalregister.gov
R013-P1-S022Federal Reserve/OFR/GPO, 12 CFR §215.5—Additional restrictions on loans to executive officers of member banks. https://www.ecfr.gov/current/title-12/chapter-II/subchapter-A/part-215/section-215.5Fresh complete section, particularly opening scope and (d)(4), with (c) read for the cross-reference. HTML.eCFR currency October 23, 2026. Bounded example of a particular federal written demand-condition requirement. Not a complete Regulation O analysis or an actual executive-officer determination. ecfr.gov +1
Source links captured in this table

Captured table 06

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

Claim IDArea and precise claimTrigger, conditions, and exceptionsSource pinpointStatus / limits
R013-P1-C001§1026.40 is a rule for qualifying open-end consumer credit plans secured by a consumer’s dwelling. Home collateral alone is insufficient.Apply general §1(c) coverage, relevant definitions, exemptions, and §40’s plan/security requirements together. Section 1(c) also recognizes specified special coverage and actor exclusions.S003 introductory text; S004 comment 40-1; S005 §1(c)(1)–(3).R/I; U. No product inferred from its marketing name.
R013-P1-C002Consumer credit principally concerns personal, family, or household purposes.§2(a)(11) defines consumer; §2(a)(12) supplies the purpose test. Ordinary guarantors/sureties are not automatically consumers under that definition; rescission and trust rules have separate qualifications.S006 §§2(a)(11)–(12), comments 2(a)(11)-1–3, 2(a)(12)-1.R/I; U. No universal mechanical primary-purpose test.
R013-P1-C003The ordinary Regulation Z creditor test requires regular consumer-credit extension and initial-payee status, with the finance-charge/installment condition.§2(a)(17)(i), (v): generally more than 25 extensions, or more than 5 dwelling-secured extensions, in the preceding calendar year; current-year test if the preceding-year test was not met. Separate high-cost and card-issuer provisions exist. Open-end counting concerns accounts, not every draw.S006 §2(a)(17)(i), (iii)–(v), related comments.R/I; U. No actor, volume, high-cost status, or payee finding.
R013-P1-C004Open-end classification requires all three features in §2(a)(20).Repeated transactions reasonably contemplated; potential periodic finance charge on an outstanding balance; credit generally replenishes as balances are repaid. Labels and multiple advances alone do not suffice. Requiring a fresh credit application for each draw can contradict this structure; permitted verification is distinct.S006 §2(a)(20)(i)–(iii), comments 1–6; §2(a)(10).R/I; U. A closed-end home-equity loan is outside this §40 plan framework.
R013-P1-C005A qualifying dwelling need not be the principal dwelling or a first-lien residence.§2(a)(19) covers a one-to-four-unit residential structure and specified residential units/mobile structures. Boats, mobile homes, and trailers used as residences can qualify; recreational use alone does not. Section 1637a(d) specially includes second/vacation homes for the listed statutory provisions.S006 §2(a)(19), comments 1–3; S004 comment 40-1; S002 §1637a(d).R/I/S; U. Principal-dwelling rules for rescission or other products are not imported.
R013-P1-C006Security must be established under the applicable definition and law.§2(a)(25) requires a legally recognized interest securing performance; it excludes specified incidental interests, including proceeds, accessions, fixtures, insurance proceeds, premium rebates, and after-acquired-property interests. Operation-of-law interests have provision-specific treatment. A dragnet clause can bring later open-end credit within §40 unless effectively waived.S006 §2(a)(25), comments 1–5; S004 comment 40-6.R/I; U. Regulation Z does not itself create or validate a lien.
R013-P1-C007Primarily business, commercial, or agricultural credit is excluded by §3(a)(1).The actual primary purpose controls; taking a home as collateral does not turn business credit into consumer credit. Mixed-purpose evaluation is factual.S007 §3(a)(1), comments 3(a)-1–8; S006 §2(a)(12).R/I; U. Business-credit rules under other laws remain separate.
R013-P1-C008Organizational credit generally is excluded, subject to the specific consumer-substance trust interpretations.A natural-person guaranty or dwelling collateral does not alone defeat §3(a)(2). Tax/estate-planning trusts and described land trusts require the analysis in comments 3(a)-9–10.S007 §3(a)(2), comments 9–10; S006 comment 2(a)(11)-3.R/I; U. No entity or trust classification undertaken.
R013-P1-C009The amount exemption does not apply to credit secured by real property or by personal property used or expected as the principal dwelling.For potentially exempt nonprincipal-dwelling personal-property credit, §3(b)’s open-end initial-extension/firm-written-commitment conditions matter. The displayed 2026 threshold is $73,400, January 1–December 31, 2026; later commitment changes can matter under the comments.S007 §3(b); comments 3(b)-3.xvii and -4.R/I; U. No actual amount test or future-year threshold determination.
R013-P1-C010Card access does not convert a HELOC into the defined non-home-secured credit-card account.§2(a)(15)(ii)(A) expressly excludes a HELOC subject to §40 that is accessed by a credit card from that defined account category.S006 §2(a)(15)(ii)(A); S010 §9(c)(1).R; U. The non-home-secured card notice regime is not automatically applicable.
R013-P1-C011Historical plan dates can determine §40 applicability.Comment 40-3 excludes plans entered before November 7, 1989, including the original consumer’s later renewals. Adding dwelling security on/after that date to an older line brings the substantive restrictions into play for the remainder, without new §40 disclosures. Consummation is contractual obligation under applicable law.S004 comment 40-3; S006 §2(a)(13), comment 1.I/H; U. Actual agreement, security-addition, and consummation dates held.
R013-P1-C012An originally agreed repayment phase remains subject to applicable open-end requirements.Original repayment/fixed-conversion terms are disclosed under the open-end framework; §40(f) continues during the repayment phase. Ending scheduled draws is distinct from imposing a new exceptional freeze.S004 comments 40-4 and 40-5.i.I; U. No promised renewal or continued draw availability.
R013-P1-C013A later repayment agreement can create a closed-end transaction for the affected balance.If repayment replenishes available credit, the open-end framework continues. If a new agreement provides repayment without replenishment, closed-end disclosures apply to that new transaction; remaining open-end credit retains its rules.S004 comment 40-5.ii–iii.I; U. A fixed rate alone does not decide the classification.
R013-P1-C014Reverse mortgages are not categorically outside every part of §40.§33(a) defines a qualifying nonrecourse consumer obligation secured consensually by the principal dwelling, with advances and repayment tied, except for default, to specified death/transfer/occupancy events. An open-end reverse structure can remain a §40 plan.S012 §33(a), comments; S003 §40(f)(2), (4); S018 printed 69716 n.2.R/I; U. Closed-end reverse and program-specific branches remain distinct.
R013-P1-C015Qualifying reverse-mortgage early termination uses §40(f)(4).Enumerated grounds: default; title transfer; cessation of use as the primary dwelling; death. “Default” is not independently defined into a universal federal deadline here.S003 §40(f)(4)(i)–(iv); S012 §33(a), default comment.R/I; U. HUD/HECM, spouse, cure, occupancy exceptions, and other law held.
R013-P1-C016§40(f) reaches contract language and conduct by the original creditor, assignee, and holder.Applies during draw/repayment periods and renewals/modifications. For post-November 7, 1989 plans, a renewal at/before expiration by written agreement differs from a renewal after scheduled expiration, which is a new plan under comment 40-2.S004 comments 40(f)-1 and 40-2.I; U. No ownership, assignment, renewal, or maturity facts established.

Captured table 07

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

Claim IDArea and precise claimTrigger, conditions, and exceptionsSource pinpointStatus / limits
R013-P1-C017Ordinary early termination plus acceleration is limited to §40(f)(2)’s four grounds.Fraud/material misrepresentation; repayment failure; consumer action/inaction adversely affecting security or security rights; the specified federal executive-officer demand-condition branch. Reverse transactions use (f)(4).S003 §40(f)(2); S004 comment 40(f)(2)-1; S001 §1647(b).R/I/S; U. Statute lists three ordinary grounds; the fourth is in the regulation. General demand-at-will and rate-cap acceleration clauses are not permitted.
R013-P1-C018Fraud or material misrepresentation must be attributable to the consumer and connected with the plan.Can occur in application, draw, or repayment phases; omissions as well as affirmative acts may qualify. Applicable state law determines fraud/misrepresentation and any necessary intent.S003 §40(f)(2)(i); S004 comment 40(f)(2)(i)-1.R/I; U. An innocent or immaterial inaccuracy is not automatically this ground.
R013-P1-C019The repayment ground requires actual failure to make payments under the agreement.The comment expressly rejects acceleration merely because a payment was mistakenly sent to a branch rather than the main office.S003 §40(f)(2)(ii); S004 comment 40(f)(2)(ii)-1.R/I; U. Actual amount, receipt, due date, application, and payment compliance held.
R013-P1-C020This repayment provision does not supply a universal cure period or override other-law duties.Bankruptcy supports this particular acceleration branch only when repayment terms are not met. State or other law requiring cure notice or another prerequisite is preserved.S004 comment 40(f)(2)(ii)-1.I; U. No bankruptcy-stay, discharge, cure, or enforcement conclusion.
R013-P1-C021Security-based acceleration requires the rule’s adverse-security connection.Consumer action/inaction must adversely affect the security or rights in it. The comment says third-party acts do not, in themselves, suffice.S003 §40(f)(2)(iii); S004 comment 40(f)(2)(iii)-1.R/I; U. General market decline is not silently substituted for consumer conduct.
R013-P1-C022The official security examples must be preserved with their qualifications.Listed examples include unpermitted transfer/sale, failure of required insurance or taxes, permitting a senior lien, sole obligor’s death, eminent-domain taking, and prior-lien foreclosure. By contrast, judgment, waste, destructive use/maintenance failure, one of two obligors’ death, or moving out require the specified adverse-security effect; illegal use is illustrated where it exposes the property to seizure.S004 comment 40(f)(2)(iii)-2.i–ii.I; U. The express eminent-domain/foreclosure examples coexist with the third-party limitation; they do not authorize expansion to every third-party event.
R013-P1-C023The executive-officer branch requires a specifically applicable federal requirement and an initial-agreement provision.§40(f)(2)(iv) is not a general employee or bank-policy exception. As a bounded example, §215.5(d)(4) requires specified member-bank executive credit to carry a written demand condition tied to outside-bank indebtedness exceeding the applicable category amount.S003 §40(f)(2)(iv); S022 opening scope, (c), (d)(4).R; U. Institution type, officer status, applicable category, outside indebtedness, and contract all held.
R013-P1-C024A valid acceleration event permits specified lesser actions instead.Comment 40(f)(2)-2 includes temporary/permanent suspension, limit reduction, payment-term changes, or a fee; higher rates/fees can be provided for in the agreement in those circumstances. Delayed action requires a qualifying termination condition to exist when the later action is taken.S004 comment 40(f)(2)-2.I; U. This exception cannot be invoked solely because an ordinary temporary-freeze ground exists. Other law and applicable notices remain separate.

Captured table 08

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

Claim IDArea and precise claimTrigger, conditions, and exceptionsSource pinpointStatus / limits
R013-P1-C025§40(f)(3)(vi) enumerates six temporary restriction grounds.The exact grounds are addressed in C027–C034. Additional relevant routes are the reserved maximum-rate condition, a valid (f)(2) lesser action, or a proper specific consumer agreement/request.S003 §40(f)(3)(i), (iii), (vi); S004 comments 40(f)(3)(vi)-1, -5.R/I; U. No residual “creditor discretion” ground.
R013-P1-C026Limit-reduction authority cannot be used to force a higher payment by setting the limit below the outstanding balance.The prohibition applies where the below-balance reduction would require the consumer to make a higher payment.S004 comment 40(f)(3)(vi)-1.I; U. No actual balance, limit, or payment calculation.
R013-P1-C027Collateral value must actually decline significantly below the appraisal value used for the plan.A new appraisal is not mandatory under this provision, but the significant decline must occur before suspension. A general market concern is not the stated factual condition.S003 §40(f)(3)(vi)(A); S004 comment 40(f)(3)(vi)-6.R/I; U. No valuation method or actual property value approved.
R013-P1-C028The official illustration measures erosion of the initial equity cushion beyond the full line.A reduction by half of the initial difference between available equity and the credit limit is sufficient in the comment. Significance otherwise varies with circumstances.S004 comment 40(f)(3)(vi)-6.I; U. Not a universal 50% property-price decline, 10% decline, or utilization test.
R013-P1-C029Financial deterioration requires two linked conditions.There must be a material financial change and, because of it, a reasonable belief of inability to fulfill the plan’s repayment obligations. A substantial income decline is an example. Specific evidence such as failure to pay other debts may, but need not, be used. The comment separately identifies bankruptcy as permitting restriction under this branch.S003 §40(f)(3)(vi)(B); S004 comment 40(f)(3)(vi)-7.R/I; U. No particular report, score cutoff, income percentage, or individualized ability finding.
R013-P1-C030A score change or policy concern alone does not establish the two-part financial-change test.The information must support the required material change and resulting reasonable belief, or another independently applicable ground.C029; S004 comments 40(f)(3)(i)-2 and 40(f)(3)(vi)-1, -7.INF; U. No categorical rule that a score can never be relevant.
R013-P1-C031Material-obligation default is its own restriction ground.The obligation must be material and under the agreement. Comments permit specified events such as moving out or an intervening lien taking priority over future advances. Section 1647(c)(3) calls for a list of categories deemed material upon request and at agreement opening.S003 §40(f)(3)(vi)(C); S004 comment -8; S001 §1647(c)(3).R/I/S; U. A minor breach is not automatically material; this ground is not automatically an acceleration ground.
R013-P1-C032Government action preventing the agreed APR can support a temporary restriction.The action must preclude imposition of the agreed APR. The comment’s example is an enacted state usury law that does so.S003 §40(f)(3)(vi)(D); S004 comment -9.R/I; U. Profitability, internal pricing preference, or a merely proposed law is insufficient on this rationale.
R013-P1-C033The government-priority ground has a specific causation and numerical condition.Government action must adversely affect priority so that the value of the creditor’s security interest is less than 120% of the credit line.S003 §40(f)(3)(vi)(E); S001 §1647(c)(2)(E)(ii).R/S; U. This is not a universal loan-to-value ratio or a rule requiring 20% homeowner equity.
R013-P1-C034The unsafe-and-unsound ground requires notification from the creditor’s regulatory agency.The notification must state that continued advances constitute an unsafe and unsound practice.S003 §40(f)(3)(vi)(F).R; U. An internal risk memorandum is not the stated agency notification.
R013-P1-C035Reaching the maximum APR supports restriction only through the specified initial contractual reservation.The initial agreement must reserve freeze/reduction during the period the maximum is reached.S003 §40(f)(3)(i); S004 comments 40(f)(3)(i)-1, 40(f)(2)-1.R/I; U. Reaching the cap does not itself permit acceleration.
R013-P1-C036The ordinary temporary restriction must end when its supporting condition ends, absent another qualifying condition.Credit privileges must be restored as soon as reasonably possible under the applicable reinstatement process.S004 comments 40(f)(3)(vi)-2, -4.I; U. Distinguish the valid-(f)(2) permanent-suspension alternative and an expired scheduled draw period.
R013-P1-C037The creditor can monitor or use the properly noticed consumer-request alternative.Monitoring frequency must be adequate for the particular condition. Alternatively, §9(c)(1)(iii) notice may shift the duty to request reinstatement to the consumer; a writing requirement must be disclosed. On request, investigation must be prompt; under that alternative investigation is required upon request.S004 comment 40(f)(3)(vi)-4; S010 comment 9(c)(1)(iii)-1.I; U. No fixed 30-day reinstatement investigation period is supplied here.
R013-P1-C038Reinstatement investigation fees are narrowly limited.If state law permits, only bona fide, reasonable appraisal/credit-report fees actually incurred in investigating continued existence of the condition may be collected. No reinstatement fee may be imposed once the condition is determined not to exist.S004 comment 40(f)(3)(vi)-3.I; U. No blanket administrative, processing, or reopening fee authorization.
R013-P1-C039A specific consumer-requested suspension has a separate reinstatement rule.Reinstate on later request unless another ground exists. With multiple obligated consumers who can draw, the agreement may permit any to stop advances; the creditor may require all obligated persons to request reinstatement.S004 comment 40(f)(3)(vi)-5.I; U. No joint-party instructions or consent inferred.
R013-P1-C040General evidence-retention duties exist, but the rule does not prescribe a universal new-appraisal dossier.§25(a) generally requires compliance evidence for two years after required disclosure/action, with agency extension possible. Comments cover evidence of actions and permit accurate reconstruction; the HELOC comment identifies written procedures and sample disclosure/contract as adequate evidence.S013 §25(a), comments 1–4; C027.R/I; U. No consumer document-demand right or case-specific evidentiary sufficiency finding established.

Captured table 09

Claim ID · Area and precise claim · Trigger, conditions, and exceptions · 10 data rows

Claim IDArea and precise claimTrigger, conditions, and exceptionsSource pinpointStatus / limits
R013-P1-C041The general term-change prohibition reaches all plan features, not only required disclosures.Ordinarily no new/increased fee, including a third-party fee, after opening. The comment separately permits passing through taxes and specified insurance-premium increases where the cited finance-charge exclusions apply.S003 §40(f)(3); S004 comments 40(f)(3)-1–2; S001 §1647(c)(1).R/I/S; U. Complete fee/APR/insurance classification is held.
R013-P1-C042An initial event-based change must specify both event and response.General reservations to change any term are insufficient. The contract cannot substitute an expressly disallowed response—such as a margin increase for material financial deterioration or a freeze for insignificant value decline.S004 comments 40(f)(3)(i)-1–2.I; U. A signed boilerplate clause is not independent federal authority.
R013-P1-C043A change may unequivocally benefit the consumer throughout the remaining plan.Additional options can be offered while existing options remain. The comment also permits temporary rate/fee reductions, with possible notice when original terms resume.S003 §40(f)(3)(iv); S004 comment 40(f)(3)(iv)-1; S001 §1647(c)(4).R/I/S; U. A creditor’s characterization of a restriction as beneficial is not dispositive.
R013-P1-C044Insignificant operational changes are permitted; substantive fee increases are not thereby permitted.Examples include specified minor billing/index-measurement changes, subject to the comment’s qualifications; changing a late fee is not an insignificant change.S003 §40(f)(3)(v); S004 comments 40(f)(3)(v)-1–2.R/I; U. No actual operational change assessed.
R013-P1-C045A specified change may be made through specific written agreement at the time of change.Continued account use is not assumed written consent. Even mutual agreement cannot authorize forbidden future index control or extra acceleration events. A new agreed limit does not confer unrestricted future reduction discretion.S003 §40(f)(3)(iii); S004 comments 40(f)(3)(iii)-1–2.R/I; U. Actual agreement and electronic-signature validity held.
R013-P1-C046Variable-rate changes ordinarily require a public index outside the creditor’s control.The creditor’s own prime/cost-of-funds discretion is insufficient. A published prime rate can qualify even if the creditor contributes to it. Specifically agreed stepped/preferred-rate changes are separately recognized.S003 §40(f)(1); S004 comments 40(f)(1)-1–3; S001 §1647(a).R/I/S; U. No actual index or margin approved.
R013-P1-C047The general unavailable-index replacement route has cumulative conditions.Original index unavailable; replacement historical fluctuations substantially similar; replacement index plus margin produces a substantially similar APR at unavailability. A newly established index lacks the history requirement but retains the rate comparison. Updated LIBOR comments specify comparison dates, including the prior common publication day where applicable and the Board-selected exception.S003 §40(f)(3)(ii)(A); S019 comments 40(f)(3)(ii)(A)-1–3.R/I; U. No free-standing repricing power or actual benchmark computation.
R013-P1-C048The LIBOR-specific route carries its own date predicates.§40(f)(3)(ii)(B) permits qualifying replacement on/after April 1, 2022. It uses October 18, 2021 comparison values, or generally the next common publication day if needed; the Board-selected 1-, 3-, 6-, or 12-month replacement exception uses June 30, 2023 LIBOR and the replacement’s first publication value. Newly established-index and similar-APR conditions remain.S003 §40(f)(3)(ii)(B); S019 operative amendment, printed 30622.R/H; U. These benchmark dates are not consumer payment or cure deadlines.
R013-P1-C049Updated replacement comments contain specified similarity determinations while preserving contract limits.Specified published-prime replacements and Board-selected replacements receive the stated historical-fluctuation treatment. Board-selected replacement with the unchanged margin receives the stated rate-comparison treatment. Under the (B) comment, the relevant prior margin is determined immediately before the replacement notice; equality on the effective day is not required. Neither route excuses contractual noncompliance.S019 comments 40(f)(3)(ii)-1, (A)-2–3, (B)-1–3, printed 30625–30628.I; U. Updated 2023 text used, not stale wording in S004.
R013-P1-C050Covered variable-rate dwelling credit must state a lifetime maximum interest rate in the contract.§30 and its comments govern; increasing a credit limit or entering repayment does not itself permit raising the ceiling. Specified initial terms, qualifying new obligations, and renewal circumstances require their own analysis.S011 §30 and comments, especially 11–12; S003 §40(d)(12)(ix), (f)(3)(i).R/I; U. This is not a universal federal usury ceiling.

Captured table 10

Claim ID · Area and precise claim · Trigger, conditions, and exceptions · 15 data rows

Claim IDArea and precise claimTrigger, conditions, and exceptionsSource pinpointStatus / limits
R013-P1-C051Early application disclosures identify possible creditor actions, but can offer the detailed conditions on request.§40(d)(4) requires the possible termination/acceleration, freeze/reduction, and specified-change statements; the conditions may be supplied instead of the on-request statement.S003 §40(d)(4)(i)–(iii); S004 related comments; S002 §1637a(a)(7).R/I/S; U. Disclosure of a possibility is not proof that its condition occurred.
R013-P1-C052Account-opening disclosures require the actual list of applicable restriction/change conditions.§6(a)(3)(i) and comment 1 require the list; it must be retainable. A highlighted contract or substantially similar regulatory description can serve as specified. The executive-officer condition in (f)(2)(iv) need not be stated under the cited disclosure comment.S009 §6(a)(3), comments 1–4; S004 comment 40(d)(4)(iii)-1; S008 §5(a)(1), (b)(1)(i).R/I; U. Before-first-transaction/obligation timing must be applied to actual events.
R013-P1-C053Application disclosures and brochure generally accompany provision of the application.§40(b) allows the specified three-business-day mail/delivery alternative after receipt for telephone, publication, and intermediary applications. Denial or withdrawal within that permitted interval has the comment’s exception.S003 §40(a)–(b), (e); S004 comments 40(b)-1–6.R/I; U. Complete origination timing is outside this component.
R013-P1-C054Certain noncreditor application distributors have their own duties.They provide the brochure and the plan disclosures when they have them; they need not obtain or create the creditor’s disclosures. The comment allocates these third-party duties separately.S003 §40(c); S004 comment 40(c)-1; S005 §1(c)(3).R/I; U. No distributor or agency relationship assumed.
R013-P1-C055Early §40 disclosures have specific written/electronic presentation rules.Clear, conspicuous writing and applicable grouping/segregation rules apply. Electronic application access requires electronic provision on/with the application as specified; this stage has the stated E-Sign exception.S003 §40(a)(1)–(3); S004 comments 40(a); S008 §5(a)(1)(iii).R/I; U. This exception does not automatically govern later restriction notices.
R013-P1-C056A disclosed application-terms availability period is not a personal cure deadline or credit promise.§40(d)(2)(i) permits a date or determinable period for obtaining disclosed terms and permits disclosure that terms may change. It does not require the creditor to guarantee all terms.S003 §40(d)(2); S004 comments 40(d)(2)(i)-1–2.R/I; U. No actual calendar calculation or availability assurance.
R013-P1-C057Covered (f)(3)(i)/(vi) restrictions require a written notice within three business days after action.Creditor must mail or deliver notice to affected consumers, stating specific reasons. This is a post-action outer timing rule, not a universal advance waiting period.S010 §9(c)(1)(iii).R; U. No actual mailing, delivery, or deadline determination.
R013-P1-C058The restriction notice must disclose a consumer reinstatement-request requirement.If reinstatement must be requested, say so; if the request must be written, the notice must also say so.S010 §9(c)(1)(iii), comment 1; S004 comment 40(f)(3)(vi)-4.R/I; U. A request requirement is not inferred from silence.
R013-P1-C059The (f)(2) lesser-action freeze has a specific §9(c)(1)(iii) notice exception.Comment 9(c)(1)(iii)-2 says notice under that paragraph is unnecessary when freezing/reducing instead of otherwise permitted termination and acceleration.S010 comment 9(c)(1)(iii)-2; C024.I; U. Does not excuse Regulation B, another term-change notice, contract, or state law.
R013-P1-C060Other covered term changes normally use the 15-day advance rule.§9(c)(1)(i) applies to changes in §6(a) terms or increased minimum payments. For agreed changes, its text removes the 15-day requirement but says notice before effectiveness. Comment 3 permits delivery as late as effectiveness in its specified default-charge or particular agreed-change circumstances.S010 §9(c)(1)(i), comments 2–3, 6.R/I; U. The text/comment timing distinction is preserved; no universal advance-notice waiver inferred.
R013-P1-C061Notice exceptions must be read with the express freeze-notice requirement.Specified initially disclosed changes, charge reductions, and court-proceeding agreements have stated exceptions. General examples mentioning credit-limit/suspension changes do not erase §9(c)(1)(iii). On/after October 1, 2022, LIBOR margin reductions are not exempt from the specified replacement notice.S010 comments 9(c)(1)-1; §9(c)(1)(ii)–(iii), comment (ii)-3.R/I; U. No notice exception supplies substantive restriction authority.
R013-P1-C062Later written Regulation Z notices can be electronic only under applicable electronic-delivery requirements.General §5(a)(1)(iii) treatment includes E-Sign consent/other applicable requirements; the early §40 exception cannot simply be transplanted.S008 §5(a)(1)(iii); S010 §9(c)(1)(iii).R; U. No consent, delivery medium, or receipt facts.
R013-P1-C063“Business day” here uses the creditor-business-functions definition.For these §40/§9 requirements, §2(a)(6)’s general definition concerns days when offices are open for substantially all business functions. The special all-calendar-days-except-Sundays/holidays definition applies only to its enumerated provisions.S006 §2(a)(6), comments.R/I; U. No automatic weekend/holiday count.
R013-P1-C064Recipient analysis must combine the specific affected-consumer rule with general multiple-consumer rules.Section 9 speaks to affected consumers; §5(d) generally permits disclosure to a primarily liable consumer when multiple consumers exist, with separate rescission treatment.S010 §9(c)(1); S008 §5(d).R; U. No conclusion about any actual co-obligor’s notice entitlement.
R013-P1-C065Notice compliance and restriction authority are separate inquiries.A timely, accurate letter can still describe an unsupported restriction; a valid substantive ground can still be accompanied by a notice defect. State/instrument enforceability is another inquiry.S003 §40(f); S010 §9(c)(1), comment 9(c)(1)-2.INF; U. No “notice legalizes the action” conclusion.

Captured table 11

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

Claim IDArea and precise claimTrigger, conditions, and exceptionsSource pinpointStatus / limits
R013-P1-C066Regulation B uses its own coverage and actor definitions and includes existing credit.“Applicant” includes someone who has received credit; creditor includes regular participation in credit decisions and participating assignees. Its credit scope is broader than Regulation Z.S014 §§1002.2(e), (j), (l), (m), comments.R/I; U. Regulation Z exclusion does not establish Regulation B exclusion.
R013-P1-C067A qualifying individual account termination or unfavorable change can be adverse action.§1002.2(c)(1)(ii) excludes from that definition changes affecting all or substantially all of a class. Refusal of an applied-for increase is separately covered. An ordinary within-limit draw is not itself a new application under §2(f).S014 §§2(c)(1)(ii)–(iii), 2(f).R/I; U. Classification requires the actual action and exception analysis.
R013-P1-C068Regulation B’s adverse-action exclusions are specific.They include expressly agreed changes; action tied to inactivity/default/delinquency of that account; the qualified point-of-sale/loan transaction exception; law-prohibited extensions; and credit types not offered. Paragraph (c)(2) governs overlap. Past default generally does not equal current default for the comment’s exception.S014 §2(c)(2)–(3), comments 2(c)(2)(ii)-1–2.R/I; U. Another debt’s default or a class-wide policy does not itself supply §40 authority.
R013-P1-C069Qualifying existing-account adverse action ordinarily requires notice within 30 days after action.Written content under §9(a)(2): action, creditor and enforcement-agency information, ECOA statement, plus reasons or the right to obtain reasons. Under the latter route, request within 60 days and statement within 30 days; oral reasons carry the stated written-confirmation right.S015 §9(a)(1)(iii), (a)(2)(i)–(ii).R; U. These are separate triggers, not a 30-day advance freeze notice or reinstatement deadline.
R013-P1-C070Reasons must identify actual principal reasons with adequate specificity.Merely invoking internal policy or failure to reach a qualifying score is insufficient under §9(b)(2). Credit-score factors or a report-use notice do not themselves satisfy the ECOA reasons requirement.S015 §9(b)(2), comments 1–9.R/I; U. No score or underwriting decision reviewed.
R013-P1-C071Regulation B has relevant form/recipient exceptions.Section 9(d) permits oral notifications for creditors receiving no more than 150 applications in the preceding calendar year. Section 9(f) allows notice to one applicant, the primary applicant where readily apparent.S015 §9(d), (f).R; U. “Every adverse-action notice must always be written to every person” would be overbroad.
R013-P1-C072Regulation B disclosure compliance does not establish nondiscrimination compliance.Section 4(a) independently prohibits discrimination on a prohibited basis in any aspect of a credit transaction. Required written disclosures follow §4(d), including applicable electronic requirements.S016 §4(a), (d); S014 §2(m).R/I; U. No actual discriminatory treatment or liability finding.
R013-P1-C073Draw rights and payment obligations must be analyzed separately.A freeze addresses future extensions; it does not itself cancel the existing repayment obligation. Timely payments defeat reliance on actual missed payments as a ground but do not resolve a different, adequately supported restriction ground.S003 §40(f)(2)–(3); S004 comments 40-5 and 40(f)(2)(ii)-1.INF; U. No available-credit promise, debt discharge, or amount-due determination.

Captured table 12

Claim ID · Precise claim · Trigger / conditions / exceptions · 8 data rows

Claim IDPrecise claimTrigger / conditions / exceptionsSource pinpointStatus / limits
R013-P1-C074The inspected eCFR currency date was October 23, 2026; access occurred October 27.Title-level currency is not the section’s legal effective date.S003 displayed metadata; S022 same title metadata.OBS. Complete intervening amendment audit not claimed.
R013-P1-C075The statutory compilation reported coverage through Pub. L. 119-120, October 7, 2026.That compilation statement is not a full later session-law check.S001–S002 displayed version statements.OBS. October 8–27 statutory lag audit held.
R013-P1-C076The 2011 CFPB republication took effect December 30, 2011.Publication was December 22; the preamble describes transfer/republication with technical changes.S017 Dates and introductory explanation, 76 FR 79768.H. Does not replace the earlier plan-date transition in C011.
R013-P1-C077The 2021 LIBOR rule separated effective and mandatory-compliance dates.April 1, 2022 general effectiveness; October 1, 2022 specified notice compliance; October 1, 2023 identified Appendix H amendment.S018 Dates, 86 FR 69716, PDF index 0.H. The Appendix H branch is not a HELOC freeze deadline.
R013-P1-C078The 2023 LIBOR amendment became effective May 15, 2023.Its request for comments did not make the adopted text merely proposed. It revised Board-selected benchmark and 12-month language.S019 Dates; §2(a)(28), §40(f)(3)(ii)(B), revised comments.H/current incorporated text, subject to source limits.
R013-P1-C079The relevant 2022 existing-account advisory is listed as withdrawn May 12, 2025.Relevant adverse-action circulars are also listed as withdrawn. No substantive reliance on those documents occurs here.S020 relevant register entries.Withdrawn guidance status. Underlying rules were separately read; withdrawal is not treated as repeal.
R013-P1-C080Two source-access/version issues remain bounded and visible.Complete consolidated eCFR Supplement I could not be retrieved; CFPB’s §40 LIBOR comments showed older wording. The necessary 2023 amended comments were read directly, but this is not a full supplement amendment comparison.S004 and S019.OBS / partial currentness verification. No inference that failed retrieval means no rule.
R013-P1-C081The 2022 LIBOR correction fixed two preamble references.Effective February 16, 2022; the correction’s body addresses hyperlinks/document identification.S021 complete relevant correction body, 87 FR 8733.H. No new freeze or acceleration ground derived from it.

Captured table 13

Step · Calculation · Meaning · 5 data rows

StepCalculationMeaning
1Original appraisal $100,000 − first mortgage $50,000 = $50,000 available equityEquity before accounting for the full HELOC limit
2Available equity $50,000 − full credit limit $30,000 = $20,000 initial cushionThe relevant initial difference
3$20,000 × 50% = $10,000Half the original cushion
4Lower value $90,000 − first mortgage $50,000 − full credit limit $30,000 = $10,000 remaining cushionThe cushion has been reduced by half
5$100,000 − $90,000 = $10,000 value declineIn this example, that is a 10% property-value decline—not a universal legal cutoff

Captured table 14

Event · Actor and recipient · Rule’s period or trigger · 8 data rows

EventActor and recipientRule’s period or triggerDelivery / contentBoundary
Provision of a covered applicationCreditor to consumer; separate distributor duties can applyGenerally at application provision; specified alternatives within 3 business days after receipt§40 disclosures and brochure; applicable written/electronic presentationNot an approval promise; C051–C055
Account opening / initial transactionCreditor to consumer under applicable recipient rules§5(b)(1)(i) initial-disclosure timingRetainable account disclosures, including actual condition listNot merely an offer to provide the list later; C052
Freeze/reduction under (f)(3)(i) or (vi)Creditor to affected consumer(s), with §5(d) consideredNo later than 3 business days after actionMail/deliver written specific reasons; disclose request/writing requirementsNot a universal advance-notice period; C057–C064
Lesser freeze instead of valid (f)(2) terminationCreditor§9(c)(1)(iii)’s specific exceptionNo notice required under that paragraphOther notices remain separate; C059
Other covered term changeCreditor to affected consumer(s)Generally 15 days before effectiveness; specified exceptionsWritten change noticePreserve rule/comment timing qualifications; C060–C061
Reinstatement investigationCreditor, through monitoring or properly noticed request processAdequate monitoring; prompt investigation on a triggering request; restoration as soon as reasonably possibleNo universal numerical investigation period stated hereNot automatically 30 days; C036–C039
Existing-account Regulation B adverse actionRegulation B creditor to applicable applicant recipientOrdinarily 30 days after actionRequired content; written unless applicable exceptionSeparate classification and exception analysis; C066–C072
Regulation B reasons-request routeCreditor responding to applicantRequest within 60 days of notification; reasons within 30 days; specified written-confirmation provision for oral reasonsActual principal reasonsNo actual request or deadline determined; C069–C070

Captured table 15

Example ID / branch · Stipulated facts · Rule-specific result versus unknown · 22 data rows

Example ID / branchStipulated factsRule-specific result versus unknownEvidence needed in any later authorized applicationAdverse misclassification to avoid
R013-P1-E001 — Closed-end excludedA single nonreplenishing home-equity loan is correctly classified as closed-end.§40’s HELOC restriction framework does not govern that loan. Its own default/servicing rules remain unknown. C004, C013.Legal obligation and advance/replenishment structure.Calling every home-equity loan a HELOC.
R013-P1-E002 — Business purposeCredit is primarily for business purposes although secured by a residence.§3(a)(1) excludes it from this consumer-plan framework. Other federal/state rules remain open. C007, C066.Actual primary purpose and relevant agreement terms.Treating home collateral as proof of consumer purpose.
R013-P1-E003 — Unsupported declineA restriction cites a general market concern, with no established significant decline in the securing dwelling.The stipulated evidence does not establish (f)(3)(vi)(A). Other grounds are unknown. C027.Plan appraisal baseline, subsequent information, method and date.Equating any market movement or unsupported estimate with the required decline.
R013-P1-E004 — Qualifying significant declineReliable stipulated information establishes the official half-cushion condition; no other issue is assumed.A temporary value-based restriction condition is supported. Acceleration is not thereby established. C027–C028, C036.Baseline value, full line, relevant prior lien, changed value.Requiring a 50% house-price collapse or treating the example’s 10% as universal.
R013-P1-E005 — Financial change plus reasonable beliefA material income reduction is established, and information reasonably connects it to inability to meet plan payments.The two-part financial-change condition is supported. Actual notice, duration, and other-law compliance remain open. C029.Changed circumstances, information available at action, reasoning connecting change to repayment.Omitting either the material change or the reasonable-belief link.
R013-P1-E006 — Score change aloneOnly a lower score is stipulated; no material financial change or reasonable inability finding is established.The score fact alone does not establish the full (B) test. C029–C030.Actual underlying changes and repayment implications.Treating a score movement as an automatic statutory trigger.
R013-P1-E007 — Material obligation defaultA genuine material agreement obligation is breached, but adverse effect on security is not stipulated.The material-default restriction branch may be supported; the security-based acceleration ground remains unestablished. C021, C031.Obligation text, materiality, breach, and any distinct security effect.Converting every material draw-restriction default into acceleration.
R013-P1-E008 — Government APR restrictionEffective government action actually prevents the agreed APR.The (D) restriction condition is supported during that condition. State preemption and contract application are not decided. C032.Operative government text, effective trigger, applicability.Treating a proposal, profitability concern, or policy preference as government prohibition.
R013-P1-E009 — Government priority impairmentGovernment action impairs priority and satisfies the rule’s less-than-120%-of-line condition.The (E) condition is supported. No priority adjudication or foreclosure right follows. C033.Government action, priority effect, security-interest value, credit line, dates.Recasting the rule as an ordinary 80% LTV test.
R013-P1-E010 — Regulatory directionThe creditor’s regulator actually notifies it that continued advances are unsafe and unsound.The (F) condition is supported, subject to scope and duration. C034.Actual regulatory instruction, applicability, date, continuing effect.Substituting an internal risk committee’s view for agency notification.
R013-P1-E011 — Creditor-policy-only freezeA new portfolio policy is the only reason; no enumerated ground, valid acceleration event, or specific consumer agreement exists.The stipulated policy alone does not supply §40 restriction authority. C025, C042.Ground-specific information and applicable contract provisions.Assuming all-account treatment or policy consistency legalizes a freeze.
R013-P1-E012 — Condition ceasesThe original temporary condition has ended, no other ground exists, and the applicable reinstatement-request process has been satisfied.Restoration duty applies as soon as reasonably possible. No fixed individual deadline is calculated. C036–C037.Cessation evidence, other-ground review, notice/request sequence.Keeping an ordinary temporary restriction indefinitely or promising instant credit.
R013-P1-E013 — Termination ground versus draw freezeSignificant value decline exists, but none of the ordinary acceleration grounds is established.The decline may support temporary draw restriction; it does not itself establish acceleration. C017, C027.Separate facts for any asserted (f)(2) ground.Using a freeze condition as an automatic balance-due-in-full event.
R013-P1-E014 — Notice given, authority unknownA specific, timely restriction letter was delivered; its underlying factual basis is not established.Notice compliance may be supported; substantive authority remains unknown. C057, C065.Ground evidence and contract/state analysis, independently of the letter.Treating the notice as proof that the action was authorized.
R013-P1-E015 — Timely payments, separate freeze issueAll required payments are timely; a separate significant collateral decline is stipulated.Missed-payment acceleration is unavailable on these facts; the separate temporary restriction condition can still be tested. C019, C027, C073.Payment compliance and independent value-ground evidence.Assuming current payments guarantee continued draws, or that a freeze cancels payments.
R013-P1-E016 — Reverse-mortgage branchThe obligation meets §33(a)’s reverse definition and is structured as open-end credit.Use §40(f)(4) for its termination conditions; do not declare all of §40 inapplicable. Program-specific limitations remain unknown. C014–C015.Product terms, nonrecourse/security/occupancy features, applicable program.Applying ordinary HELOC acceleration rules without the reverse exception.
R013-P1-E017 — Maximum rate reachedThe maximum APR is reached and the initial agreement specifically reserves temporary draw restriction.The cap-based restriction route is supported; cap-based acceleration is not. C017, C035.Initial reservation, cap terms, rate event, duration.Treating a contractual rate ceiling as a demand-loan trigger.
R013-P1-E018 — Nonmaterial inaccuracyAn inaccuracy is stipulated to be nonmaterial and not fraud under applicable law.The fraud/material-misrepresentation ground is not established by that fact. C018.Statement/omission, significance, applicable legal elements and required intent.Treating every incorrect application statement as fraud.
R013-P1-E019 — Payment sent to wrong officePayment was mistakenly sent to a branch rather than the main office; no actual payment failure is otherwise established.The official comment rejects acceleration merely on that basis. C019–C020.Payment transmission, receipt, posting, agreement, other-law requirements.Replacing actual nonpayment with a technical routing error.
R013-P1-E020 — Continued use treated as consentThe consumer keeps using the line after a unilateral change but provides no specific written agreement.Continued use does not satisfy §40(f)(3)(iii)’s written-agreement condition. C045.Specific contemporaneous agreement and applicable signature evidence.Importing a general state-law acceptance-by-use theory into this federal exception.
R013-P1-E021 — Reinstatement feeThe condition is established to have ended, but a charge is demanded simply to restore the line.The comment prohibits that reinstatement fee. Actual investigation costs have a separate narrow test. C038.Fee purpose, actual cost, condition determination, applicable state law.Rebranding a reopening charge as an allowable appraisal fee.
R013-P1-E022 — Judgment without security effectA judgment exists, but its amount and collateral reach are stipulated not to impair the creditor’s security.The security-based acceleration example is not satisfied merely by the judgment’s existence. C021–C022.Judgment’s legal effect, relevant collateral and amount—only in a separately authorized inquiry.Treating any judgment or third-party event as automatic acceleration authority.

Captured table 16

Audit field · Blank entry · Rule question / reference · 43 data rows

Audit fieldBlank entryRule question / reference
Primary credit purpose_____Consumer versus business; C002, C007
Natural-person / organizational / trust structure_____C002, C008
Open-end plan features_____Repeated transactions, periodic charge, replenishment; C004
Closed-end or later conversion features_____C004, C013
Dwelling classification and residential use_____C005
Principal-dwelling relevance_____Coverage versus other product rules; C005, C009, C014
Security type and legal recognition_____C006
First/subordinate lien or dragnet feature_____C005–C006
Creditor / assignee / holder role_____C003, C016
Amount-exemption predicate, if relevant_____C009
Original agreement / consummation date category_____C011
Renewal, expiration, security-addition, or modification date category_____C011–C013, C016
Draw period and repayment period_____C012
Initial restriction/change reservations_____C035, C042
Action classified: freeze / reduction / termination / acceleration / scheduled phase change_____C017, C024–C025
Exact claimed federal ground_____C018–C035
Action date and governing rule version_____C074–C081
Source of information supporting the ground_____C027–C034, C040
Information date and what was known when action occurred_____Ground-specific factual timing
Plan appraisal baseline and significant-decline analysis_____C027–C028
Material financial change_____First part of C029
Reasonable-belief link to repayment inability_____Second part of C029
Agreement obligation and why material_____C031
Repayment obligation and actual alleged failure_____C019–C020
Actor causing security effect_____C021–C022
Nature and extent of adverse security/right effect_____C021–C022
Government action / agency notification and applicability_____C023, C032–C034
Initial maximum-rate reservation and cap event_____C035, C050
Initial disclosures and actual condition list_____C051–C055
Later notice provision and exception claimed_____C057–C061
Notice content, dispatch/delivery, medium, and recipient basis_____C057–C064
Electronic-consent basis, if applicable_____C055, C062, C072
Applicable business-day definition and triggering event_____C063; no date calculation entered
Independent Regulation B classification and exception_____C066–C071
Contractual/state/other-law cure requirements_____C020; held
Continuing condition / cessation evidence_____C036
Monitoring versus noticed request procedure_____C037
Reinstatement request and investigation sequence_____C037, C039
Investigation fee purpose, actual cost, and state-law permission_____C038
Any other independently continuing restriction ground_____C036–C037
Contract/state enforceability and remedies questions_____Held; no determination
Unresolved source/version issue_____C074–C081
Separate parent question requiring later assignment_____Parent holds below

Captured table 17

Coverage item · Disposition and claim/example links · Exact missing authority or facts · 52 data rows

Coverage itemDisposition and claim/example linksExact missing authority or factsNext bounded permissible investigation
Consumer-credit purposeAnswered conditionally — C001–C002, C007; E002Actual use/purpose and mixed-purpose factsGeneric §3(a) analysis of a supplied, de-identified product description
Open-end versus closed-endAnswered — C004, C013; E001Actual legal replenishment and advance conditionsCompare generic plan terms to §2(a)(20)
Dwelling versus principal dwellingAnswered — C005Residential-use facts; which separate principal-dwelling rule mattersExamine only the relevant generic definition branch
First versus second lienAnswered for §40 coverage — C005–C006Actual security and priority factsGeneric instrument/security classification; no priority adjudication
Manufactured/mobile/boat residenceAnswered at definition level — C005, C009Residential use, attachment, principal use, amount-exemption factsBound a later product-specific definition inquiry
Legally recognized security; incidental interestsPartial / facts held — C006Applicable state/federal recognition and instrument scopePublished jurisdiction-specific law if separately assigned
Dragnet / cross-collateralizationAnswered conditionally — C006Whether clause applies or was effectively waivedGeneric contract-clause comparison
Ordinary creditor and special card rolesAnswered at federal definition level — C003, C010Initial payee, regularity, special class, statutory actor exclusionRead only an identified generic actor-class exception if necessary
Business creditExcluded from this §40 consumer branch when established — C007; E002Actual primary purposeSeparate generic business-credit assignment
Organization / trustAnswered with exceptions — C008Legal structure and consumer substanceGeneric trust/organizational classification
Amount exemptionAnswered conditionally — C009Relevant period, security type, initial extension/commitmentPeriod-specific official threshold and commitment analysis
Card-access HELOC versus non-home-secured cardAnswered — C010Actual account structureNo complete credit-card regime investigation in this pass
Historical plan and security-addition datesAnswered conditionally — C011Original entry, renewal, security-addition datesHistorical official version for a stipulated date category
Draw/repayment phases and later conversionAnswered — C012–C013Original versus later terms; replenishmentGeneric clause-level classification
Reverse-mortgage definitionAnswered at boundary level — C014; E016Nonrecourse, principal security, payment-event structureProduct-specific §33 study if separately assigned
Reverse termination / government programPartial — C015; E016Applicable HUD/HECM or other program; spouse/occupancy/cure factsOfficial program rules only after a bounded program assignment
Fraud/material misrepresentationAnswered federal condition; state elements held — C018; E018Required state elements, intent, materiality, actual conductPublished law of a specified jurisdiction, without case-record searches
Actual repayment failureAnswered — C019; E019Actual obligation and payment factsGeneric payment/default clause analysis
Cure and timing before accelerationPartial / held — C020State, instrument, insolvency, other-law dutiesSeparate jurisdiction/product cure research; no personal deadline
Security impairment and actorAnswered federal test — C021–C022; E022Causation, collateral/right affected, actual impairmentGeneric legal-effect analysis under identified applicable law
Third-party events and official examplesAnswered with preserved qualifications — C021–C022Actual fit with an express example and other lawNo expansion beyond the published examples without authority
Executive-officer federal demand conditionPartial, bounded — C023Actor/program coverage, category, required condition, initial clauseComplete generic Regulation O branch only if needed
Lesser action instead of accelerationAnswered — C024; E013Valid ground existing at action timeCompare stipulated grounds and action; preserve notice branches
Unsupported versus significant value declineAnswered — C027–C028; E003–E004Baseline, reliable changed value, significance factsGeneric methodology only; no property lookup
Financial change plus reasonable inability beliefAnswered — C029–C030; E005–E006Material change and contemporaneous causal reasoningGeneric evidence-category review, no score/report query
Material-obligation defaultAnswered conditionally — C031; E007Material agreement term, breach, required category disclosureGeneric obligation and disclosure comparison
Government APR restrictionAnswered conditionally — C032; E008Operative applicable law, preclusion, durationPublished government-action text only
Government priority impairmentAnswered conditionally — C033; E009Government causation, priority effect, security-value/line predicateSeparate generic priority-law study; no title/record search
Regulatory unsafe-and-unsound directionAnswered conditionally — C034; E010Applicable regulator notification and continuing scopePublic generic regulatory text if relevant; no institution query
Creditor-policy-only restrictionAnswered — C025, C042; E011Any genuinely separate permitted groundNo general policy exception inferred
Maximum-rate conditionAnswered — C035, C050; E017Initial reservation, maximum, event and durationGeneric rate-cap clause analysis
Temporary duration and cessationAnswered — C036; E012When condition ended; other grounds; draw-period statusGeneric reinstatement sequencing
Monitoring/request alternativesAnswered — C037, C058Proper notice, request, investigation sequenceCompare blank/generic notice wording
Reinstatement chargesAnswered — C038; E021Actual incurred cost, fee purpose, state lawSeparate generic state fee rule if assigned
Consumer-requested/multiple-consumer freezeAnswered — C039Agreement permissions and request requirementsGeneric joint-obligation clause analysis
Documentation and retentionAnswered within §25(a) — C040Actual compliance evidence; other applicable retention rulesNo broad discovery or records-request branch in this pass
Contractual change limitsAnswered — C041–C045; E020Exact existing and proposed clausesGeneric clause comparison
Variable index and replacementAnswered to necessary conditions — C046–C049Actual index, contract, margin, replacement dateSeparate numerical transition audit only if expressly assigned
Lifetime maximum rateAnswered at governing-rule level — C050Initial cap and permitted-change factsNo APR/points/usury calculation here
Early application disclosureAnswered to focused content/timing — C051, C053–C056Distribution method and application eventBlank disclosure review, without full underwriting redo
Opening condition listAnswered — C052Actual list, retainability, timingGeneric account-opening document review
Later restriction noticeAnswered — C057–C059; E014Ground, action date, dispatch, content, recipientBlank notice comparison; no actual deadline
Other changes / 15-day ruleAnswered with text/comment qualification — C060–C061Change type, agreement, exceptionNarrow clause-specific notice analysis
Electronic delivery / recipients / business daysAnswered conditionally — C062–C064Consent, medium, liable-party roles, business scheduleGeneric delivery requirements only
Regulation B adverse-action classificationAnswered, bounded — C066–C068Class-wide effect, exception, application versus account actionSeparate classification of stipulated generic facts
Regulation B content, timing, exceptionsAnswered, bounded — C069–C071Applicable actor exception and notice pathBlank notice review; no complete origination investigation
Nondiscrimination / FCRAPartial / held — C070, C072Actual discrimination evidence; complete FCRA authority and factsSeparate official-source assignment; no report or person query
Draw rights versus paymentsAnswered — C073; E015Actual repayment and draw termsNo balance, credit-availability, or discharge determination
Currentness and selected historyAnswered with explicit gaps — C074–C081Full intervening law audit and complete supplement comparisonAdditional public primary version comparison, if assigned
Guidance withdrawalAnswered for materials identified — C079No substantive reliance on advisory/circular contentRecheck register and publisher if a future assignment would use guidance
Opinions, standing, remedies, litigationExcluded / preservedNo consequential opinion was necessary here; actual jurisdiction/remedy facts absentSeparate published-opinion research only if material; no dockets
Remaining A013 dimensionsUnresolved by designAll broader product, servicing, foreclosure, deficiency, loss-mitigation, and other parent mattersSeparate focused component; no parent closure

Captured table 18

Log item · What actually happened · Consequence for this report · 11 data rows

Log itemWhat actually happenedConsequence for this report
Core operative readingComplete §1026.40 operative body was read, including all four termination branches, all six (f)(3)(vi) grounds, the maximum-rate provision, contractual exceptions, and reverse branch. Necessary official comments were read as bodies.Main conclusions do not rest on search snippets, headnotes, or a consumer summary.
Statutory preliminary-route failureThe initial §1647 preliminary route returned maintenance content: https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title15-section1647&num=0&edition=prelim. The analogous §1637a route failed: https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title15-section1637a&num=0&edition=prelim.Bodies were recovered through the specific OLRC compilation URLs in S001–S002. No “no statute” inference.
Consolidated Supplement I failureThe eCFR supplement URL in S004 returned a content-length error, exceeding the retrieval limit.No claim of a full consolidated eCFR supplement read. Necessary CFPB comments and the published 2023 amendments were read separately.
CFPB embedded-comment defect§6(a)(3)-1 appeared as a placeholder in the regulation page.Separate official interpretation page supplied the actual text; this gap was repaired.
CFPB LIBOR version mismatchThe §40 interpretation page’s displayed LIBOR comments used older ARRC/1-year wording; the current rule and 2023 amendment use Board-selected/12-month wording.S019’s actual amendment and updated comments control the discussion here. No silent assumption that a “current” label guarantees perfect consolidation.
2011 official PDF failureThe GovInfo PDF in S017 could not be fetched because the response was too large; the tool reported 40,909,875 bytes.Effective-date and republication discussion relies on the freshly read publisher HTML. Official PDF verification remains a precise gap.
2021 and 2023 PDFsOfficial PDFs were retrieved and specified parsed portions read.Parsed text only; no pixel inspection, full-form review, or full-document reading claim.
Discovery searchesSearches surfaced historical versions, unrelated rules referencing Part 1026, proposed/RFI material, and secondary results.Those discoveries were not used as operative body authority or as proof of current legal status.
Guidance checkThe relevant withdrawn-guidance entries were read.No advisory, circular, bulletin, or informal FAQ supplies the substantive framework.
Opinions / recordsNo published opinion was needed for the conclusions reached; no case-record or docket-status query was performed.No holding, posture, disposition, later-history, standing, remedy, or filing conclusion is implied.
ReuseSources were reopened during this pass to verify exact clauses, dates, and missing text.Same-document repetitions are not counted as independent review or corroboration; no saved report was reused.
Source links captured in this table

Captured table 19

Assigned question · Claim and example links · Principal source links · 10 data rows

Assigned questionClaim and example linksPrincipal source links
1. Establish consumer/open-end/dwelling/security/creditor coverage and precise exclusionsC001–C016; E001–E002, E016S001–S007, S012, S018
2. Complete termination/acceleration conditions; actor, materiality, security effect, timing, cureC017–C024; E013, E018–E019, E022S001, S003–S004, S022
3. Complete freeze/reduction grounds; actual decline, material change, belief, government predicatesC025–C035; E003–E011, E017S001, S003–S004
3. Duration, reinstatement, monitoring/request alternatives, charges, documentationC036–C040; E012, E021S004, S010, S013
4. Contract changes, discretion, variable index, maximum rateC041–C050; E017, E020S001, S003–S004, S011, S018–S019
4. Initial disclosures and later restriction/change noticesC051–C065; E014S002–S004, S006, S008–S010
4. Bounded Regulation B and nondiscrimination distinctionC066–C072; E011, E014S014–S016, S020
5. Freeze versus acceleration; draws versus payments; excluded branchesC004–C016, C024–C039, C073; E001–E022S003–S004, S006–S007, S012
Currentness, selected history, withdrawal, access/version gapsC074–C081; source and failure registersS001–S004, S017–S021
Audit worksheet and preservation of parent questionsSections 7–8 and parent holds belowDerived from the cited conditions; not a new legal authority

Captured table 20

Check · Result · 12 data rows

CheckResult
Coverage before applicationThe analysis separately tests consumer purpose, open-end structure, dwelling/security, creditor status, exemptions, and historical dates.
Complete principal restriction groundsAll §40(f)(2)(i)–(iv), (f)(3)(vi)(A)–(F), maximum-rate, and reverse-termination branches are identified.
Actor and causationConsumer conduct, government action, regulatory notification, and internal creditor policy are distinguished.
MaterialityMaterial misrepresentation, material financial change, and material obligation default are not treated as interchangeable.
Temporary versus permanentOrdinary condition-based restrictions are distinguished from the valid-acceleration lesser-action exception.
Payment versus drawingNo freeze is treated as payment forgiveness, and current payments are not treated as a guarantee of future advances.
Notice versus authorityRegulation Z, Regulation B, and contract/state enforceability remain separate inquiries.
Numeric disciplineOnly actual published thresholds/periods and the official generic equity illustration are used. No individual amount or calendar deadline is calculated.
Source disciplineOperative primary bodies and necessary comments were read; discovery-only material is not a foundation.
Currentness disciplineAccess dates, compilation currency, effective dates, historical predicates, withdrawn guidance, and unverified status questions are distinguished.
Access honestyFailed retrievals, repaired placeholders, the LIBOR mismatch, and parsed-text-only PDF reading are disclosed.
Owner limitsNo identifiers, records searches, actual credit decision, foreclosure determination, filing, contact, publication, subagent, or local coordinator artifact.

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 →

R013-P1-C001 Saved research record

Apply general §1(c) coverage, relevant definitions, exemptions, and §40’s plan/security requirements together. Section 1(c) also recognizes specified special coverage and actor exclusions.

Recorded check status: Whole atomic claim and limitations read; selected consequential primary checks only, not all-claim current-law or actual-application acceptance.

Area and precise claim
§1026.40 is a rule for qualifying open-end consumer credit plans secured by a consumer’s dwelling. Home collateral alone is insufficient.
Source pinpoint
S003 introductory text; S004 comment 40-1; S005 §1(c)(1)–(3).
Status / limits
R/I; U. No product inferred from its marketing name.
R013-P1-C002 Saved research record

§2(a)(11) defines consumer; §2(a)(12) supplies the purpose test. Ordinary guarantors/sureties are not automatically consumers under that definition; rescission and trust rules have separate qualifications.

Recorded check status: Whole atomic claim and limitations read; selected consequential primary checks only, not all-claim current-law or actual-application acceptance.

Area and precise claim
Consumer credit principally concerns personal, family, or household purposes.
Source pinpoint
S006 §§2(a)(11)–(12), comments 2(a)(11)-1–3, 2(a)(12)-1.
Status / limits
R/I; U. No universal mechanical primary-purpose test.
R013-P1-C003 Saved research record

§2(a)(17)(i), (v): generally more than 25 extensions, or more than 5 dwelling-secured extensions, in the preceding calendar year; current-year test if the preceding-year test was not met. Separate high-cost and card-issuer provisions exist. Open-end counting concerns accounts, not every draw.

Recorded check status: Whole atomic claim and limitations read; selected consequential primary checks only, not all-claim current-law or actual-application acceptance.

Area and precise claim
The ordinary Regulation Z creditor test requires regular consumer-credit extension and initial-payee status, with the finance-charge/installment condition.
Source pinpoint
S006 §2(a)(17)(i), (iii)–(v), related comments.
Status / limits
R/I; U. No actor, volume, high-cost status, or payee finding.
R013-P1-C004 Saved research record

Repeated transactions reasonably contemplated; potential periodic finance charge on an outstanding balance; credit generally replenishes as balances are repaid. Labels and multiple advances alone do not suffice. Requiring a fresh credit application for each draw can contradict this structure; permitted verification is distinct.

Recorded check status: Whole atomic claim and limitations read; selected consequential primary checks only, not all-claim current-law or actual-application acceptance.

Area and precise claim
Open-end classification requires all three features in §2(a)(20).
Source pinpoint
S006 §2(a)(20)(i)–(iii), comments 1–6; §2(a)(10).
Status / limits
R/I; U. A closed-end home-equity loan is outside this §40 plan framework.
R013-P1-C005 Saved research record

§2(a)(19) covers a one-to-four-unit residential structure and specified residential units/mobile structures. Boats, mobile homes, and trailers used as residences can qualify; recreational use alone does not. Section 1637a(d) specially includes second/vacation homes for the listed statutory provisions.

Recorded check status: Whole atomic claim and limitations read; selected consequential primary checks only, not all-claim current-law or actual-application acceptance.

Area and precise claim
A qualifying dwelling need not be the principal dwelling or a first-lien residence.
Source pinpoint
S006 §2(a)(19), comments 1–3; S004 comment 40-1; S002 §1637a(d).
Status / limits
R/I/S; U. Principal-dwelling rules for rescission or other products are not imported.
R013-P1-C006 Saved research record

§2(a)(25) requires a legally recognized interest securing performance; it excludes specified incidental interests, including proceeds, accessions, fixtures, insurance proceeds, premium rebates, and after-acquired-property interests. Operation-of-law interests have provision-specific treatment. A dragnet clause can bring later open-end credit within §40 unless effectively waived.

Recorded check status: Whole atomic claim and limitations read; selected consequential primary checks only, not all-claim current-law or actual-application acceptance.

Area and precise claim
Security must be established under the applicable definition and law.
Source pinpoint
S006 §2(a)(25), comments 1–5; S004 comment 40-6.
Status / limits
R/I; U. Regulation Z does not itself create or validate a lien.
R013-P1-C007 Saved research record

The actual primary purpose controls; taking a home as collateral does not turn business credit into consumer credit. Mixed-purpose evaluation is factual.

Recorded check status: Whole atomic claim and limitations read; selected consequential primary checks only, not all-claim current-law or actual-application acceptance.

Area and precise claim
Primarily business, commercial, or agricultural credit is excluded by §3(a)(1).
Source pinpoint
S007 §3(a)(1), comments 3(a)-1–8; S006 §2(a)(12).
Status / limits
R/I; U. Business-credit rules under other laws remain separate.
R013-P1-C008 Saved research record

A natural-person guaranty or dwelling collateral does not alone defeat §3(a)(2). Tax/estate-planning trusts and described land trusts require the analysis in comments 3(a)-9–10.

Recorded check status: Whole atomic claim and limitations read; selected consequential primary checks only, not all-claim current-law or actual-application acceptance.

Area and precise claim
Organizational credit generally is excluded, subject to the specific consumer-substance trust interpretations.
Source pinpoint
S007 §3(a)(2), comments 9–10; S006 comment 2(a)(11)-3.
Status / limits
R/I; U. No entity or trust classification undertaken.
R013-P1-C009 Saved research record

For potentially exempt nonprincipal-dwelling personal-property credit, §3(b)’s open-end initial-extension/firm-written-commitment conditions matter. The displayed 2026 threshold is $73,400, January 1–December 31, 2026; later commitment changes can matter under the comments.

Recorded check status: Whole atomic claim and limitations read; selected consequential primary checks only, not all-claim current-law or actual-application acceptance.

Area and precise claim
The amount exemption does not apply to credit secured by real property or by personal property used or expected as the principal dwelling.
Source pinpoint
S007 §3(b); comments 3(b)-3.xvii and -4.
Status / limits
R/I; U. No actual amount test or future-year threshold determination.
R013-P1-C010 Saved research record

§2(a)(15)(ii)(A) expressly excludes a HELOC subject to §40 that is accessed by a credit card from that defined account category.

Recorded check status: Whole atomic claim and limitations read; selected consequential primary checks only, not all-claim current-law or actual-application acceptance.

Area and precise claim
Card access does not convert a HELOC into the defined non-home-secured credit-card account.
Source pinpoint
S006 §2(a)(15)(ii)(A); S010 §9(c)(1).
Status / limits
R; U. The non-home-secured card notice regime is not automatically applicable.
R013-P1-C011 Saved research record

Comment 40-3 excludes plans entered before November 7, 1989, including the original consumer’s later renewals. Adding dwelling security on/after that date to an older line brings the substantive restrictions into play for the remainder, without new §40 disclosures. Consummation is contractual obligation under applicable law.

Recorded check status: Whole atomic claim and limitations read; selected consequential primary checks only, not all-claim current-law or actual-application acceptance.

Area and precise claim
Historical plan dates can determine §40 applicability.
Source pinpoint
S004 comment 40-3; S006 §2(a)(13), comment 1.
Status / limits
I/H; U. Actual agreement, security-addition, and consummation dates held.
R013-P1-C012 Saved research record

Original repayment/fixed-conversion terms are disclosed under the open-end framework; §40(f) continues during the repayment phase. Ending scheduled draws is distinct from imposing a new exceptional freeze.

Recorded check status: Whole atomic claim and limitations read; selected consequential primary checks only, not all-claim current-law or actual-application acceptance.

Area and precise claim
An originally agreed repayment phase remains subject to applicable open-end requirements.
Source pinpoint
S004 comments 40-4 and 40-5.i.
Status / limits
I; U. No promised renewal or continued draw availability.
R013-P1-C013 Saved research record

If repayment replenishes available credit, the open-end framework continues. If a new agreement provides repayment without replenishment, closed-end disclosures apply to that new transaction; remaining open-end credit retains its rules.

Recorded check status: Whole atomic claim and limitations read; selected consequential primary checks only, not all-claim current-law or actual-application acceptance.

Area and precise claim
A later repayment agreement can create a closed-end transaction for the affected balance.
Source pinpoint
S004 comment 40-5.ii–iii.
Status / limits
I; U. A fixed rate alone does not decide the classification.
R013-P1-C014 Saved research record

§33(a) defines a qualifying nonrecourse consumer obligation secured consensually by the principal dwelling, with advances and repayment tied, except for default, to specified death/transfer/occupancy events. An open-end reverse structure can remain a §40 plan.

Recorded check status: Whole atomic claim and limitations read; selected consequential primary checks only, not all-claim current-law or actual-application acceptance.

Area and precise claim
Reverse mortgages are not categorically outside every part of §40.
Source pinpoint
S012 §33(a), comments; S003 §40(f)(2), (4); S018 printed 69716 n.2.
Status / limits
R/I; U. Closed-end reverse and program-specific branches remain distinct.
R013-P1-C015 Saved research record

Enumerated grounds: default; title transfer; cessation of use as the primary dwelling; death. “Default” is not independently defined into a universal federal deadline here.

Recorded check status: Whole atomic claim and limitations read; selected consequential primary checks only, not all-claim current-law or actual-application acceptance.

Area and precise claim
Qualifying reverse-mortgage early termination uses §40(f)(4).
Source pinpoint
S003 §40(f)(4)(i)–(iv); S012 §33(a), default comment.
Status / limits
R/I; U. HUD/HECM, spouse, cure, occupancy exceptions, and other law held.
R013-P1-C016 Saved research record

Applies during draw/repayment periods and renewals/modifications. For post-November 7, 1989 plans, a renewal at/before expiration by written agreement differs from a renewal after scheduled expiration, which is a new plan under comment 40-2.

Recorded check status: Whole atomic claim and limitations read; selected consequential primary checks only, not all-claim current-law or actual-application acceptance.

Area and precise claim
§40(f) reaches contract language and conduct by the original creditor, assignee, and holder.
Source pinpoint
S004 comments 40(f)-1 and 40-2.
Status / limits
I; U. No ownership, assignment, renewal, or maturity facts established.
R013-P1-C017 Saved research record

Fraud/material misrepresentation; repayment failure; consumer action/inaction adversely affecting security or security rights; the specified federal executive-officer demand-condition branch. Reverse transactions use (f)(4).

Recorded check status: Whole atomic claim and limitations read; selected consequential primary checks only, not all-claim current-law or actual-application acceptance.

Area and precise claim
Ordinary early termination plus acceleration is limited to §40(f)(2)’s four grounds.
Source pinpoint
S003 §40(f)(2); S004 comment 40(f)(2)-1; S001 §1647(b).
Status / limits
R/I/S; U. Statute lists three ordinary grounds; the fourth is in the regulation. General demand-at-will and rate-cap acceleration clauses are not permitted.
R013-P1-C018 Saved research record

Can occur in application, draw, or repayment phases; omissions as well as affirmative acts may qualify. Applicable state law determines fraud/misrepresentation and any necessary intent.

Recorded check status: Whole atomic claim and limitations read; selected consequential primary checks only, not all-claim current-law or actual-application acceptance.

Area and precise claim
Fraud or material misrepresentation must be attributable to the consumer and connected with the plan.
Source pinpoint
S003 §40(f)(2)(i); S004 comment 40(f)(2)(i)-1.
Status / limits
R/I; U. An innocent or immaterial inaccuracy is not automatically this ground.
R013-P1-C019 Saved research record

The comment expressly rejects acceleration merely because a payment was mistakenly sent to a branch rather than the main office.

Recorded check status: Whole atomic claim and limitations read; selected consequential primary checks only, not all-claim current-law or actual-application acceptance.

Area and precise claim
The repayment ground requires actual failure to make payments under the agreement.
Source pinpoint
S003 §40(f)(2)(ii); S004 comment 40(f)(2)(ii)-1.
Status / limits
R/I; U. Actual amount, receipt, due date, application, and payment compliance held.
R013-P1-C020 Saved research record

Bankruptcy supports this particular acceleration branch only when repayment terms are not met. State or other law requiring cure notice or another prerequisite is preserved.

Recorded check status: Whole atomic claim and limitations read; selected consequential primary checks only, not all-claim current-law or actual-application acceptance.

Area and precise claim
This repayment provision does not supply a universal cure period or override other-law duties.
Source pinpoint
S004 comment 40(f)(2)(ii)-1.
Status / limits
I; U. No bankruptcy-stay, discharge, cure, or enforcement conclusion.
R013-P1-C021 Saved research record

Consumer action/inaction must adversely affect the security or rights in it. The comment says third-party acts do not, in themselves, suffice.

Recorded check status: Whole atomic claim and limitations read; selected consequential primary checks only, not all-claim current-law or actual-application acceptance.

Area and precise claim
Security-based acceleration requires the rule’s adverse-security connection.
Source pinpoint
S003 §40(f)(2)(iii); S004 comment 40(f)(2)(iii)-1.
Status / limits
R/I; U. General market decline is not silently substituted for consumer conduct.
R013-P1-C022 Saved research record

Listed examples include unpermitted transfer/sale, failure of required insurance or taxes, permitting a senior lien, sole obligor’s death, eminent-domain taking, and prior-lien foreclosure. By contrast, judgment, waste, destructive use/maintenance failure, one of two obligors’ death, or moving out require the specified adverse-security effect; illegal use is illustrated where it exposes the property to seizure.

Recorded check status: Whole atomic claim and limitations read; selected consequential primary checks only, not all-claim current-law or actual-application acceptance.

Area and precise claim
The official security examples must be preserved with their qualifications.
Source pinpoint
S004 comment 40(f)(2)(iii)-2.i–ii.
Status / limits
I; U. The express eminent-domain/foreclosure examples coexist with the third-party limitation; they do not authorize expansion to every third-party event.
R013-P1-C023 Saved research record

§40(f)(2)(iv) is not a general employee or bank-policy exception. As a bounded example, §215.5(d)(4) requires specified member-bank executive credit to carry a written demand condition tied to outside-bank indebtedness exceeding the applicable category amount.

Recorded check status: Whole atomic claim and limitations read; selected consequential primary checks only, not all-claim current-law or actual-application acceptance.

Area and precise claim
The executive-officer branch requires a specifically applicable federal requirement and an initial-agreement provision.
Source pinpoint
S003 §40(f)(2)(iv); S022 opening scope, (c), (d)(4).
Status / limits
R; U. Institution type, officer status, applicable category, outside indebtedness, and contract all held.
R013-P1-C024 Saved research record

Comment 40(f)(2)-2 includes temporary/permanent suspension, limit reduction, payment-term changes, or a fee; higher rates/fees can be provided for in the agreement in those circumstances. Delayed action requires a qualifying termination condition to exist when the later action is taken.

Recorded check status: Whole atomic claim and limitations read; selected consequential primary checks only, not all-claim current-law or actual-application acceptance.

Area and precise claim
A valid acceleration event permits specified lesser actions instead.
Source pinpoint
S004 comment 40(f)(2)-2.
Status / limits
I; U. This exception cannot be invoked solely because an ordinary temporary-freeze ground exists. Other law and applicable notices remain separate.
R013-P1-C025 Saved research record

The exact grounds are addressed in C027–C034. Additional relevant routes are the reserved maximum-rate condition, a valid (f)(2) lesser action, or a proper specific consumer agreement/request.

Recorded check status: Whole atomic claim and limitations read; selected consequential primary checks only, not all-claim current-law or actual-application acceptance.

Area and precise claim
§40(f)(3)(vi) enumerates six temporary restriction grounds.
Source pinpoint
S003 §40(f)(3)(i), (iii), (vi); S004 comments 40(f)(3)(vi)-1, -5.
Status / limits
R/I; U. No residual “creditor discretion” ground.
R013-P1-C026 Saved research record

The prohibition applies where the below-balance reduction would require the consumer to make a higher payment.

Recorded check status: Whole atomic claim and limitations read; selected consequential primary checks only, not all-claim current-law or actual-application acceptance.

Area and precise claim
Limit-reduction authority cannot be used to force a higher payment by setting the limit below the outstanding balance.
Source pinpoint
S004 comment 40(f)(3)(vi)-1.
Status / limits
I; U. No actual balance, limit, or payment calculation.
R013-P1-C027 Saved research record

A new appraisal is not mandatory under this provision, but the significant decline must occur before suspension. A general market concern is not the stated factual condition.

Recorded check status: Whole atomic claim and limitations read; selected consequential primary checks only, not all-claim current-law or actual-application acceptance.

Area and precise claim
Collateral value must actually decline significantly below the appraisal value used for the plan.
Source pinpoint
S003 §40(f)(3)(vi)(A); S004 comment 40(f)(3)(vi)-6.
Status / limits
R/I; U. No valuation method or actual property value approved.
R013-P1-C028 Saved research record

A reduction by half of the initial difference between available equity and the credit limit is sufficient in the comment. Significance otherwise varies with circumstances.

Recorded check status: Whole atomic claim and limitations read; selected consequential primary checks only, not all-claim current-law or actual-application acceptance.

Area and precise claim
The official illustration measures erosion of the initial equity cushion beyond the full line.
Source pinpoint
S004 comment 40(f)(3)(vi)-6.
Status / limits
I; U. Not a universal 50% property-price decline, 10% decline, or utilization test.
R013-P1-C029 Saved research record

There must be a material financial change and, because of it, a reasonable belief of inability to fulfill the plan’s repayment obligations. A substantial income decline is an example. Specific evidence such as failure to pay other debts may, but need not, be used. The comment separately identifies bankruptcy as permitting restriction under this branch.

Recorded check status: Whole atomic claim and limitations read; selected consequential primary checks only, not all-claim current-law or actual-application acceptance.

Area and precise claim
Financial deterioration requires two linked conditions.
Source pinpoint
S003 §40(f)(3)(vi)(B); S004 comment 40(f)(3)(vi)-7.
Status / limits
R/I; U. No particular report, score cutoff, income percentage, or individualized ability finding.
R013-P1-C030 Saved research record

The information must support the required material change and resulting reasonable belief, or another independently applicable ground.

Recorded check status: Whole atomic claim and limitations read; selected consequential primary checks only, not all-claim current-law or actual-application acceptance.

Area and precise claim
A score change or policy concern alone does not establish the two-part financial-change test.
Source pinpoint
C029; S004 comments 40(f)(3)(i)-2 and 40(f)(3)(vi)-1, -7.
Status / limits
INF; U. No categorical rule that a score can never be relevant.
R013-P1-C031 Saved research record

The obligation must be material and under the agreement. Comments permit specified events such as moving out or an intervening lien taking priority over future advances. Section 1647(c)(3) calls for a list of categories deemed material upon request and at agreement opening.

Recorded check status: Whole atomic claim and limitations read; selected consequential primary checks only, not all-claim current-law or actual-application acceptance.

Area and precise claim
Material-obligation default is its own restriction ground.
Source pinpoint
S003 §40(f)(3)(vi)(C); S004 comment -8; S001 §1647(c)(3).
Status / limits
R/I/S; U. A minor breach is not automatically material; this ground is not automatically an acceleration ground.
R013-P1-C032 Saved research record

The action must preclude imposition of the agreed APR. The comment’s example is an enacted state usury law that does so.

Recorded check status: Whole atomic claim and limitations read; selected consequential primary checks only, not all-claim current-law or actual-application acceptance.

Area and precise claim
Government action preventing the agreed APR can support a temporary restriction.
Source pinpoint
S003 §40(f)(3)(vi)(D); S004 comment -9.
Status / limits
R/I; U. Profitability, internal pricing preference, or a merely proposed law is insufficient on this rationale.
R013-P1-C033 Saved research record

Government action must adversely affect priority so that the value of the creditor’s security interest is less than 120% of the credit line.

Recorded check status: Whole atomic claim and limitations read; selected consequential primary checks only, not all-claim current-law or actual-application acceptance.

Area and precise claim
The government-priority ground has a specific causation and numerical condition.
Source pinpoint
S003 §40(f)(3)(vi)(E); S001 §1647(c)(2)(E)(ii).
Status / limits
R/S; U. This is not a universal loan-to-value ratio or a rule requiring 20% homeowner equity.
R013-P1-C034 Saved research record

The notification must state that continued advances constitute an unsafe and unsound practice.

Recorded check status: Whole atomic claim and limitations read; selected consequential primary checks only, not all-claim current-law or actual-application acceptance.

Area and precise claim
The unsafe-and-unsound ground requires notification from the creditor’s regulatory agency.
Source pinpoint
S003 §40(f)(3)(vi)(F).
Status / limits
R; U. An internal risk memorandum is not the stated agency notification.
R013-P1-C035 Saved research record

The initial agreement must reserve freeze/reduction during the period the maximum is reached.

Recorded check status: Whole atomic claim and limitations read; selected consequential primary checks only, not all-claim current-law or actual-application acceptance.

Area and precise claim
Reaching the maximum APR supports restriction only through the specified initial contractual reservation.
Source pinpoint
S003 §40(f)(3)(i); S004 comments 40(f)(3)(i)-1, 40(f)(2)-1.
Status / limits
R/I; U. Reaching the cap does not itself permit acceleration.
R013-P1-C036 Saved research record

Credit privileges must be restored as soon as reasonably possible under the applicable reinstatement process.

Recorded check status: Whole atomic claim and limitations read; selected consequential primary checks only, not all-claim current-law or actual-application acceptance.

Area and precise claim
The ordinary temporary restriction must end when its supporting condition ends, absent another qualifying condition.
Source pinpoint
S004 comments 40(f)(3)(vi)-2, -4.
Status / limits
I; U. Distinguish the valid-(f)(2) permanent-suspension alternative and an expired scheduled draw period.
R013-P1-C037 Saved research record

Monitoring frequency must be adequate for the particular condition. Alternatively, §9(c)(1)(iii) notice may shift the duty to request reinstatement to the consumer; a writing requirement must be disclosed. On request, investigation must be prompt; under that alternative investigation is required upon request.

Recorded check status: Whole atomic claim and limitations read; selected consequential primary checks only, not all-claim current-law or actual-application acceptance.

Area and precise claim
The creditor can monitor or use the properly noticed consumer-request alternative.
Source pinpoint
S004 comment 40(f)(3)(vi)-4; S010 comment 9(c)(1)(iii)-1.
Status / limits
I; U. No fixed 30-day reinstatement investigation period is supplied here.
R013-P1-C038 Saved research record

If state law permits, only bona fide, reasonable appraisal/credit-report fees actually incurred in investigating continued existence of the condition may be collected. No reinstatement fee may be imposed once the condition is determined not to exist.

Recorded check status: Whole atomic claim and limitations read; selected consequential primary checks only, not all-claim current-law or actual-application acceptance.

Area and precise claim
Reinstatement investigation fees are narrowly limited.
Source pinpoint
S004 comment 40(f)(3)(vi)-3.
Status / limits
I; U. No blanket administrative, processing, or reopening fee authorization.
R013-P1-C039 Saved research record

Reinstate on later request unless another ground exists. With multiple obligated consumers who can draw, the agreement may permit any to stop advances; the creditor may require all obligated persons to request reinstatement.

Recorded check status: Whole atomic claim and limitations read; selected consequential primary checks only, not all-claim current-law or actual-application acceptance.

Area and precise claim
A specific consumer-requested suspension has a separate reinstatement rule.
Source pinpoint
S004 comment 40(f)(3)(vi)-5.
Status / limits
I; U. No joint-party instructions or consent inferred.
R013-P1-C040 Saved research record

§25(a) generally requires compliance evidence for two years after required disclosure/action, with agency extension possible. Comments cover evidence of actions and permit accurate reconstruction; the HELOC comment identifies written procedures and sample disclosure/contract as adequate evidence.

Recorded check status: Whole atomic claim and limitations read; selected consequential primary checks only, not all-claim current-law or actual-application acceptance.

Area and precise claim
General evidence-retention duties exist, but the rule does not prescribe a universal new-appraisal dossier.
Source pinpoint
S013 §25(a), comments 1–4; C027.
Status / limits
R/I; U. No consumer document-demand right or case-specific evidentiary sufficiency finding established.
R013-P1-C041 Saved research record

Ordinarily no new/increased fee, including a third-party fee, after opening. The comment separately permits passing through taxes and specified insurance-premium increases where the cited finance-charge exclusions apply.

Recorded check status: Whole atomic claim and limitations read; selected consequential primary checks only, not all-claim current-law or actual-application acceptance.

Area and precise claim
The general term-change prohibition reaches all plan features, not only required disclosures.
Source pinpoint
S003 §40(f)(3); S004 comments 40(f)(3)-1–2; S001 §1647(c)(1).
Status / limits
R/I/S; U. Complete fee/APR/insurance classification is held.
R013-P1-C042 Saved research record

General reservations to change any term are insufficient. The contract cannot substitute an expressly disallowed response—such as a margin increase for material financial deterioration or a freeze for insignificant value decline.

Recorded check status: Whole atomic claim and limitations read; selected consequential primary checks only, not all-claim current-law or actual-application acceptance.

Area and precise claim
An initial event-based change must specify both event and response.
Source pinpoint
S004 comments 40(f)(3)(i)-1–2.
Status / limits
I; U. A signed boilerplate clause is not independent federal authority.
R013-P1-C043 Saved research record

Additional options can be offered while existing options remain. The comment also permits temporary rate/fee reductions, with possible notice when original terms resume.

Recorded check status: Whole atomic claim and limitations read; selected consequential primary checks only, not all-claim current-law or actual-application acceptance.

Area and precise claim
A change may unequivocally benefit the consumer throughout the remaining plan.
Source pinpoint
S003 §40(f)(3)(iv); S004 comment 40(f)(3)(iv)-1; S001 §1647(c)(4).
Status / limits
R/I/S; U. A creditor’s characterization of a restriction as beneficial is not dispositive.
R013-P1-C044 Saved research record

Examples include specified minor billing/index-measurement changes, subject to the comment’s qualifications; changing a late fee is not an insignificant change.

Recorded check status: Whole atomic claim and limitations read; selected consequential primary checks only, not all-claim current-law or actual-application acceptance.

Area and precise claim
Insignificant operational changes are permitted; substantive fee increases are not thereby permitted.
Source pinpoint
S003 §40(f)(3)(v); S004 comments 40(f)(3)(v)-1–2.
Status / limits
R/I; U. No actual operational change assessed.
R013-P1-C045 Saved research record

Continued account use is not assumed written consent. Even mutual agreement cannot authorize forbidden future index control or extra acceleration events. A new agreed limit does not confer unrestricted future reduction discretion.

Recorded check status: Whole atomic claim and limitations read; selected consequential primary checks only, not all-claim current-law or actual-application acceptance.

Area and precise claim
A specified change may be made through specific written agreement at the time of change.
Source pinpoint
S003 §40(f)(3)(iii); S004 comments 40(f)(3)(iii)-1–2.
Status / limits
R/I; U. Actual agreement and electronic-signature validity held.
R013-P1-C046 Saved research record

The creditor’s own prime/cost-of-funds discretion is insufficient. A published prime rate can qualify even if the creditor contributes to it. Specifically agreed stepped/preferred-rate changes are separately recognized.

Recorded check status: Whole atomic claim and limitations read; selected consequential primary checks only, not all-claim current-law or actual-application acceptance.

Area and precise claim
Variable-rate changes ordinarily require a public index outside the creditor’s control.
Source pinpoint
S003 §40(f)(1); S004 comments 40(f)(1)-1–3; S001 §1647(a).
Status / limits
R/I/S; U. No actual index or margin approved.
R013-P1-C047 Saved research record

Original index unavailable; replacement historical fluctuations substantially similar; replacement index plus margin produces a substantially similar APR at unavailability. A newly established index lacks the history requirement but retains the rate comparison. Updated LIBOR comments specify comparison dates, including the prior common publication day where applicable and the Board-selected exception.

Recorded check status: Whole atomic claim and limitations read; selected consequential primary checks only, not all-claim current-law or actual-application acceptance.

Area and precise claim
The general unavailable-index replacement route has cumulative conditions.
Source pinpoint
S003 §40(f)(3)(ii)(A); S019 comments 40(f)(3)(ii)(A)-1–3.
Status / limits
R/I; U. No free-standing repricing power or actual benchmark computation.
R013-P1-C048 Saved research record

§40(f)(3)(ii)(B) permits qualifying replacement on/after April 1, 2022. It uses October 18, 2021 comparison values, or generally the next common publication day if needed; the Board-selected 1-, 3-, 6-, or 12-month replacement exception uses June 30, 2023 LIBOR and the replacement’s first publication value. Newly established-index and similar-APR conditions remain.

Recorded check status: Whole atomic claim and limitations read; selected consequential primary checks only, not all-claim current-law or actual-application acceptance.

Area and precise claim
The LIBOR-specific route carries its own date predicates.
Source pinpoint
S003 §40(f)(3)(ii)(B); S019 operative amendment, printed 30622.
Status / limits
R/H; U. These benchmark dates are not consumer payment or cure deadlines.
R013-P1-C049 Saved research record

Specified published-prime replacements and Board-selected replacements receive the stated historical-fluctuation treatment. Board-selected replacement with the unchanged margin receives the stated rate-comparison treatment. Under the (B) comment, the relevant prior margin is determined immediately before the replacement notice; equality on the effective day is not required. Neither route excuses contractual noncompliance.

Recorded check status: Whole atomic claim and limitations read; selected consequential primary checks only, not all-claim current-law or actual-application acceptance.

Area and precise claim
Updated replacement comments contain specified similarity determinations while preserving contract limits.
Source pinpoint
S019 comments 40(f)(3)(ii)-1, (A)-2–3, (B)-1–3, printed 30625–30628.
Status / limits
I; U. Updated 2023 text used, not stale wording in S004.
R013-P1-C050 Saved research record

§30 and its comments govern; increasing a credit limit or entering repayment does not itself permit raising the ceiling. Specified initial terms, qualifying new obligations, and renewal circumstances require their own analysis.

Recorded check status: Whole atomic claim and limitations read; selected consequential primary checks only, not all-claim current-law or actual-application acceptance.

Area and precise claim
Covered variable-rate dwelling credit must state a lifetime maximum interest rate in the contract.
Source pinpoint
S011 §30 and comments, especially 11–12; S003 §40(d)(12)(ix), (f)(3)(i).
Status / limits
R/I; U. This is not a universal federal usury ceiling.
R013-P1-C051 Saved research record

§40(d)(4) requires the possible termination/acceleration, freeze/reduction, and specified-change statements; the conditions may be supplied instead of the on-request statement.

Recorded check status: Whole atomic claim and limitations read; selected consequential primary checks only, not all-claim current-law or actual-application acceptance.

Area and precise claim
Early application disclosures identify possible creditor actions, but can offer the detailed conditions on request.
Source pinpoint
S003 §40(d)(4)(i)–(iii); S004 related comments; S002 §1637a(a)(7).
Status / limits
R/I/S; U. Disclosure of a possibility is not proof that its condition occurred.
R013-P1-C052 Saved research record

§6(a)(3)(i) and comment 1 require the list; it must be retainable. A highlighted contract or substantially similar regulatory description can serve as specified. The executive-officer condition in (f)(2)(iv) need not be stated under the cited disclosure comment.

Recorded check status: Whole atomic claim and limitations read; selected consequential primary checks only, not all-claim current-law or actual-application acceptance.

Area and precise claim
Account-opening disclosures require the actual list of applicable restriction/change conditions.
Source pinpoint
S009 §6(a)(3), comments 1–4; S004 comment 40(d)(4)(iii)-1; S008 §5(a)(1), (b)(1)(i).
Status / limits
R/I; U. Before-first-transaction/obligation timing must be applied to actual events.
R013-P1-C053 Saved research record

§40(b) allows the specified three-business-day mail/delivery alternative after receipt for telephone, publication, and intermediary applications. Denial or withdrawal within that permitted interval has the comment’s exception.

Recorded check status: Whole atomic claim and limitations read; selected consequential primary checks only, not all-claim current-law or actual-application acceptance.

Area and precise claim
Application disclosures and brochure generally accompany provision of the application.
Source pinpoint
S003 §40(a)–(b), (e); S004 comments 40(b)-1–6.
Status / limits
R/I; U. Complete origination timing is outside this component.
R013-P1-C054 Saved research record

They provide the brochure and the plan disclosures when they have them; they need not obtain or create the creditor’s disclosures. The comment allocates these third-party duties separately.

Recorded check status: Whole atomic claim and limitations read; selected consequential primary checks only, not all-claim current-law or actual-application acceptance.

Area and precise claim
Certain noncreditor application distributors have their own duties.
Source pinpoint
S003 §40(c); S004 comment 40(c)-1; S005 §1(c)(3).
Status / limits
R/I; U. No distributor or agency relationship assumed.
R013-P1-C055 Saved research record

Clear, conspicuous writing and applicable grouping/segregation rules apply. Electronic application access requires electronic provision on/with the application as specified; this stage has the stated E-Sign exception.

Recorded check status: Whole atomic claim and limitations read; selected consequential primary checks only, not all-claim current-law or actual-application acceptance.

Area and precise claim
Early §40 disclosures have specific written/electronic presentation rules.
Source pinpoint
S003 §40(a)(1)–(3); S004 comments 40(a); S008 §5(a)(1)(iii).
Status / limits
R/I; U. This exception does not automatically govern later restriction notices.
R013-P1-C056 Saved research record

§40(d)(2)(i) permits a date or determinable period for obtaining disclosed terms and permits disclosure that terms may change. It does not require the creditor to guarantee all terms.

Recorded check status: Whole atomic claim and limitations read; selected consequential primary checks only, not all-claim current-law or actual-application acceptance.

Area and precise claim
A disclosed application-terms availability period is not a personal cure deadline or credit promise.
Source pinpoint
S003 §40(d)(2); S004 comments 40(d)(2)(i)-1–2.
Status / limits
R/I; U. No actual calendar calculation or availability assurance.
R013-P1-C057 Saved research record

Creditor must mail or deliver notice to affected consumers, stating specific reasons. This is a post-action outer timing rule, not a universal advance waiting period.

Recorded check status: Whole atomic claim and limitations read; selected consequential primary checks only, not all-claim current-law or actual-application acceptance.

Area and precise claim
Covered (f)(3)(i)/(vi) restrictions require a written notice within three business days after action.
Source pinpoint
S010 §9(c)(1)(iii).
Status / limits
R; U. No actual mailing, delivery, or deadline determination.
R013-P1-C058 Saved research record

If reinstatement must be requested, say so; if the request must be written, the notice must also say so.

Recorded check status: Whole atomic claim and limitations read; selected consequential primary checks only, not all-claim current-law or actual-application acceptance.

Area and precise claim
The restriction notice must disclose a consumer reinstatement-request requirement.
Source pinpoint
S010 §9(c)(1)(iii), comment 1; S004 comment 40(f)(3)(vi)-4.
Status / limits
R/I; U. A request requirement is not inferred from silence.
R013-P1-C059 Saved research record

Comment 9(c)(1)(iii)-2 says notice under that paragraph is unnecessary when freezing/reducing instead of otherwise permitted termination and acceleration.

Recorded check status: Whole atomic claim and limitations read; selected consequential primary checks only, not all-claim current-law or actual-application acceptance.

Area and precise claim
The (f)(2) lesser-action freeze has a specific §9(c)(1)(iii) notice exception.
Source pinpoint
S010 comment 9(c)(1)(iii)-2; C024.
Status / limits
I; U. Does not excuse Regulation B, another term-change notice, contract, or state law.
R013-P1-C060 Saved research record

§9(c)(1)(i) applies to changes in §6(a) terms or increased minimum payments. For agreed changes, its text removes the 15-day requirement but says notice before effectiveness. Comment 3 permits delivery as late as effectiveness in its specified default-charge or particular agreed-change circumstances.

Recorded check status: Whole atomic claim and limitations read; selected consequential primary checks only, not all-claim current-law or actual-application acceptance.

Area and precise claim
Other covered term changes normally use the 15-day advance rule.
Source pinpoint
S010 §9(c)(1)(i), comments 2–3, 6.
Status / limits
R/I; U. The text/comment timing distinction is preserved; no universal advance-notice waiver inferred.
R013-P1-C061 Saved research record

Specified initially disclosed changes, charge reductions, and court-proceeding agreements have stated exceptions. General examples mentioning credit-limit/suspension changes do not erase §9(c)(1)(iii). On/after October 1, 2022, LIBOR margin reductions are not exempt from the specified replacement notice.

Recorded check status: Whole atomic claim and limitations read; selected consequential primary checks only, not all-claim current-law or actual-application acceptance.

Area and precise claim
Notice exceptions must be read with the express freeze-notice requirement.
Source pinpoint
S010 comments 9(c)(1)-1; §9(c)(1)(ii)–(iii), comment (ii)-3.
Status / limits
R/I; U. No notice exception supplies substantive restriction authority.
R013-P1-C062 Saved research record

General §5(a)(1)(iii) treatment includes E-Sign consent/other applicable requirements; the early §40 exception cannot simply be transplanted.

Recorded check status: Whole atomic claim and limitations read; selected consequential primary checks only, not all-claim current-law or actual-application acceptance.

Area and precise claim
Later written Regulation Z notices can be electronic only under applicable electronic-delivery requirements.
Source pinpoint
S008 §5(a)(1)(iii); S010 §9(c)(1)(iii).
Status / limits
R; U. No consent, delivery medium, or receipt facts.
R013-P1-C063 Saved research record

For these §40/§9 requirements, §2(a)(6)’s general definition concerns days when offices are open for substantially all business functions. The special all-calendar-days-except-Sundays/holidays definition applies only to its enumerated provisions.

Recorded check status: Whole atomic claim and limitations read; selected consequential primary checks only, not all-claim current-law or actual-application acceptance.

Area and precise claim
“Business day” here uses the creditor-business-functions definition.
Source pinpoint
S006 §2(a)(6), comments.
Status / limits
R/I; U. No automatic weekend/holiday count.
R013-P1-C064 Saved research record

Section 9 speaks to affected consumers; §5(d) generally permits disclosure to a primarily liable consumer when multiple consumers exist, with separate rescission treatment.

Recorded check status: Whole atomic claim and limitations read; selected consequential primary checks only, not all-claim current-law or actual-application acceptance.

Area and precise claim
Recipient analysis must combine the specific affected-consumer rule with general multiple-consumer rules.
Source pinpoint
S010 §9(c)(1); S008 §5(d).
Status / limits
R; U. No conclusion about any actual co-obligor’s notice entitlement.
R013-P1-C065 Saved research record

A timely, accurate letter can still describe an unsupported restriction; a valid substantive ground can still be accompanied by a notice defect. State/instrument enforceability is another inquiry.

Recorded check status: Whole atomic claim and limitations read; selected consequential primary checks only, not all-claim current-law or actual-application acceptance.

Area and precise claim
Notice compliance and restriction authority are separate inquiries.
Source pinpoint
S003 §40(f); S010 §9(c)(1), comment 9(c)(1)-2.
Status / limits
INF; U. No “notice legalizes the action” conclusion.
R013-P1-C066 Saved research record

“Applicant” includes someone who has received credit; creditor includes regular participation in credit decisions and participating assignees. Its credit scope is broader than Regulation Z.

Recorded check status: Whole atomic claim and limitations read; selected consequential primary checks only, not all-claim current-law or actual-application acceptance.

Area and precise claim
Regulation B uses its own coverage and actor definitions and includes existing credit.
Source pinpoint
S014 §§1002.2(e), (j), (l), (m), comments.
Status / limits
R/I; U. Regulation Z exclusion does not establish Regulation B exclusion.
R013-P1-C067 Saved research record

§1002.2(c)(1)(ii) excludes from that definition changes affecting all or substantially all of a class. Refusal of an applied-for increase is separately covered. An ordinary within-limit draw is not itself a new application under §2(f).

Recorded check status: Whole atomic claim and limitations read; selected consequential primary checks only, not all-claim current-law or actual-application acceptance.

Area and precise claim
A qualifying individual account termination or unfavorable change can be adverse action.
Source pinpoint
S014 §§2(c)(1)(ii)–(iii), 2(f).
Status / limits
R/I; U. Classification requires the actual action and exception analysis.
R013-P1-C068 Saved research record

They include expressly agreed changes; action tied to inactivity/default/delinquency of that account; the qualified point-of-sale/loan transaction exception; law-prohibited extensions; and credit types not offered. Paragraph (c)(2) governs overlap. Past default generally does not equal current default for the comment’s exception.

Recorded check status: Whole atomic claim and limitations read; selected consequential primary checks only, not all-claim current-law or actual-application acceptance.

Area and precise claim
Regulation B’s adverse-action exclusions are specific.
Source pinpoint
S014 §2(c)(2)–(3), comments 2(c)(2)(ii)-1–2.
Status / limits
R/I; U. Another debt’s default or a class-wide policy does not itself supply §40 authority.
R013-P1-C069 Saved research record

Written content under §9(a)(2): action, creditor and enforcement-agency information, ECOA statement, plus reasons or the right to obtain reasons. Under the latter route, request within 60 days and statement within 30 days; oral reasons carry the stated written-confirmation right.

Recorded check status: Whole atomic claim and limitations read; selected consequential primary checks only, not all-claim current-law or actual-application acceptance.

Area and precise claim
Qualifying existing-account adverse action ordinarily requires notice within 30 days after action.
Source pinpoint
S015 §9(a)(1)(iii), (a)(2)(i)–(ii).
Status / limits
R; U. These are separate triggers, not a 30-day advance freeze notice or reinstatement deadline.
R013-P1-C070 Saved research record

Merely invoking internal policy or failure to reach a qualifying score is insufficient under §9(b)(2). Credit-score factors or a report-use notice do not themselves satisfy the ECOA reasons requirement.

Recorded check status: Whole atomic claim and limitations read; selected consequential primary checks only, not all-claim current-law or actual-application acceptance.

Area and precise claim
Reasons must identify actual principal reasons with adequate specificity.
Source pinpoint
S015 §9(b)(2), comments 1–9.
Status / limits
R/I; U. No score or underwriting decision reviewed.
R013-P1-C071 Saved research record

Section 9(d) permits oral notifications for creditors receiving no more than 150 applications in the preceding calendar year. Section 9(f) allows notice to one applicant, the primary applicant where readily apparent.

Recorded check status: Whole atomic claim and limitations read; selected consequential primary checks only, not all-claim current-law or actual-application acceptance.

Area and precise claim
Regulation B has relevant form/recipient exceptions.
Source pinpoint
S015 §9(d), (f).
Status / limits
R; U. “Every adverse-action notice must always be written to every person” would be overbroad.
R013-P1-C072 Saved research record

Section 4(a) independently prohibits discrimination on a prohibited basis in any aspect of a credit transaction. Required written disclosures follow §4(d), including applicable electronic requirements.

Recorded check status: Whole atomic claim and limitations read; selected consequential primary checks only, not all-claim current-law or actual-application acceptance.

Area and precise claim
Regulation B disclosure compliance does not establish nondiscrimination compliance.
Source pinpoint
S016 §4(a), (d); S014 §2(m).
Status / limits
R/I; U. No actual discriminatory treatment or liability finding.
R013-P1-C073 Saved research record

A freeze addresses future extensions; it does not itself cancel the existing repayment obligation. Timely payments defeat reliance on actual missed payments as a ground but do not resolve a different, adequately supported restriction ground.

Recorded check status: Whole atomic claim and limitations read; selected consequential primary checks only, not all-claim current-law or actual-application acceptance.

Area and precise claim
Draw rights and payment obligations must be analyzed separately.
Source pinpoint
S003 §40(f)(2)–(3); S004 comments 40-5 and 40(f)(2)(ii)-1.
Status / limits
INF; U. No available-credit promise, debt discharge, or amount-due determination.
R013-P1-C074 Saved research record

The inspected eCFR currency date was October 23, 2026; access occurred October 27.

Recorded check status: Whole atomic claim and limitations read; selected consequential primary checks only, not all-claim current-law or actual-application acceptance.

Trigger / conditions / exceptions
Title-level currency is not the section’s legal effective date.
Source pinpoint
S003 displayed metadata; S022 same title metadata.
Status / limits
OBS. Complete intervening amendment audit not claimed.
R013-P1-C075 Saved research record

The statutory compilation reported coverage through Pub. L. 119-120, October 7, 2026.

Recorded check status: Whole atomic claim and limitations read; selected consequential primary checks only, not all-claim current-law or actual-application acceptance.

Trigger / conditions / exceptions
That compilation statement is not a full later session-law check.
Source pinpoint
S001–S002 displayed version statements.
Status / limits
OBS. October 8–27 statutory lag audit held.
R013-P1-C076 Saved research record

The 2011 CFPB republication took effect December 30, 2011.

Recorded check status: Whole atomic claim and limitations read; selected consequential primary checks only, not all-claim current-law or actual-application acceptance.

Trigger / conditions / exceptions
Publication was December 22; the preamble describes transfer/republication with technical changes.
Source pinpoint
S017 Dates and introductory explanation, 76 FR 79768.
Status / limits
H. Does not replace the earlier plan-date transition in C011.
R013-P1-C077 Saved research record

The 2021 LIBOR rule separated effective and mandatory-compliance dates.

Recorded check status: Whole atomic claim and limitations read; selected consequential primary checks only, not all-claim current-law or actual-application acceptance.

Trigger / conditions / exceptions
April 1, 2022 general effectiveness; October 1, 2022 specified notice compliance; October 1, 2023 identified Appendix H amendment.
Source pinpoint
S018 Dates, 86 FR 69716, PDF index 0.
Status / limits
H. The Appendix H branch is not a HELOC freeze deadline.
R013-P1-C078 Saved research record

The 2023 LIBOR amendment became effective May 15, 2023.

Recorded check status: Whole atomic claim and limitations read; selected consequential primary checks only, not all-claim current-law or actual-application acceptance.

Trigger / conditions / exceptions
Its request for comments did not make the adopted text merely proposed. It revised Board-selected benchmark and 12-month language.
Source pinpoint
S019 Dates; §2(a)(28), §40(f)(3)(ii)(B), revised comments.
Status / limits
H/current incorporated text, subject to source limits.
R013-P1-C079 Saved research record

The relevant 2022 existing-account advisory is listed as withdrawn May 12, 2025.

Recorded check status: Whole atomic claim and limitations read; selected consequential primary checks only, not all-claim current-law or actual-application acceptance.

Trigger / conditions / exceptions
Relevant adverse-action circulars are also listed as withdrawn. No substantive reliance on those documents occurs here.
Source pinpoint
S020 relevant register entries.
Status / limits
Withdrawn guidance status. Underlying rules were separately read; withdrawal is not treated as repeal.
R013-P1-C080 Saved research record

Two source-access/version issues remain bounded and visible.

Recorded check status: Whole atomic claim and limitations read; selected consequential primary checks only, not all-claim current-law or actual-application acceptance.

Trigger / conditions / exceptions
Complete consolidated eCFR Supplement I could not be retrieved; CFPB’s §40 LIBOR comments showed older wording. The necessary 2023 amended comments were read directly, but this is not a full supplement amendment comparison.
Source pinpoint
S004 and S019.
Status / limits
OBS / partial currentness verification. No inference that failed retrieval means no rule.
R013-P1-C081 Saved research record

The 2022 LIBOR correction fixed two preamble references.

Recorded check status: Whole atomic claim and limitations read; selected consequential primary checks only, not all-claim current-law or actual-application acceptance.

Trigger / conditions / exceptions
Effective February 16, 2022; the correction’s body addresses hyperlinks/document identification.
Source pinpoint
S021 complete relevant correction body, 87 FR 8733.
Status / limits
H. No new freeze or acceleration ground derived from it.

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.

R013-P1-S001 Saved research record

House Office of the Law Revision Counsel, 15 U.S.C. §1647, Home equity plans. https://uscode.house.gov/us/usc/119-120/t15/s1647/

Recorded check status: Whole original source usage reviewed; operative body not reopened in this scoped review, original access/version/pixel claims source-attributed and all currentness/application holds retained.

Exact provisions and read bounds
Fresh HTML: subsections (a)–(e), source and amendment/effective-date notes. Especially (b), (c)(1)–(4). No PDF pages.
Version, effective predicate, and limits
Compilation through Pub. L. 119-120, October 7, 2026. Statutory text, not regulatory commentary. No complete October 8–27 session-law audit. uscode.house.gov +1
Direct source URLs
https://uscode.house.gov/us/usc/119-120/t15/s1647/
https://uscode.house.gov/us/usc/119-120/t15/s1647/?utm_source=chatgpt.com
R013-P1-S002 Saved research record

OLRC, 15 U.S.C. §1637a, Disclosure requirements for open end consumer credit plans secured by consumer’s principal dwelling. https://uscode.house.gov/us/usc/119-120/t15/s1637a/

Recorded check status: Whole original source usage reviewed; operative body not reopened in this scoped review, original access/version/pixel claims source-attributed and all currentness/application holds retained.

Exact provisions and read bounds
Fresh HTML: application-disclosure body, particularly (a)(5)–(8), (b)–(e), including the special definition in (d); effective-date notes. No PDF pages.
Version, effective predicate, and limits
Same October 7 compilation limit. The special statutory treatment of second/vacation homes is confined to the provisions identified in (d); it does not redefine principal dwelling throughout Regulation Z. uscode.house.gov +1
Direct source URLs
https://uscode.house.gov/us/usc/119-120/t15/s1637a/
https://uscode.house.gov/us/usc/119-120/t15/s1637a/?utm_source=chatgpt.com
R013-P1-S003 Saved research record

OFR/GPO eCFR, 12 CFR §1026.40. https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-E/section-1026.40. CFPB mirror: https://www.consumerfinance.gov/rules-policy/regulations/1026/40/

Recorded check status: Fresh selected current eCFR40(f)(1)-(4) including all4termination/6temporarygrounds, replacementindex and reverse clauses read; eCFRtitlecurrency10/26/2026,lastamended10/23, authoritativeunofficial. Other40coverage/disclosures/stayhistorynotreopened.

Exact provisions and read bounds
Fresh: complete operative eCFR section, introduction and (a)–(h), with complete (f)(1)–(4). Selected mirror comparison. HTML; no PDF index.
Version, effective predicate, and limits
eCFR Title 12 currency October 23, 2026. Section’s amendment citation lists 2011, 2021, and 2023 publications. eCFR describes itself as authoritative but unofficial, not the official legal CFR edition. ecfr.gov +2
Direct source URLs
https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-E/section-1026.40
https://www.consumerfinance.gov/rules-policy/regulations/1026/40/
https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-E/section-1026.40?utm_source=chatgpt.com
https://www.consumerfinance.gov/rules-policy/regulations/1026/40/?utm_source=chatgpt.com
https://www.ecfr.gov/current/title-12/chapter-X/part-1026/section-1026.40?utm_source=chatgpt.com
R013-P1-S004 Saved research record

CFPB, Official interpretations of §1026.40. https://www.consumerfinance.gov/rules-policy/regulations/1026/interp-40/. Attempted consolidated eCFR supplement: https://www.ecfr.gov/current/title-12/chapter-X/part-1026/appendix-Supplement%20I%20to%20Part%201026

Recorded check status: Fresh selected270-312,373-400,317-330,401-409 comments read: f2/termchanges/f3iii-v/vi1-9 and staleLIBORwording. Missing316notcredited; notwholecommentary/consolidatedSupplementI/current-amendmentaudit.

Exact provisions and read bounds
Fresh: general comments 40-1–7; necessary form, timing, third-party, and (d)(4) comments; 40(f)-1; complete relevant (f)(1), (f)(2), (f)(3) introductory, (i), (iii)–(vi) comments; selected (g) comments. LIBOR wording compared with S019.
Version, effective predicate, and limits
CFPB page labeled current, but its displayed (f)(3)(ii) comments retain older ARRC/“1-year” wording. Updated 2023 text was read in S019 instead. Consolidated eCFR Supplement I retrieval failed because of response size. No full consolidated-supplement audit claimed.
Direct source URLs
https://www.consumerfinance.gov/rules-policy/regulations/1026/interp-40/
https://www.ecfr.gov/current/title-12/chapter-X/part-1026/appendix-Supplement%20I%20to%20Part%201026
https://www.consumerfinance.gov/rules-policy/regulations/1026/interp-40/?utm_source=chatgpt.com
R013-P1-S005 Saved research record

CFPB, §1026.1—Authority, purpose, coverage, organization, enforcement, and liability. https://www.consumerfinance.gov/rules-policy/regulations/1026/1/

Recorded check status: Whole original source usage reviewed; operative body not reopened in this scoped review, original access/version/pixel claims source-attributed and all currentness/application holds retained.

Exact provisions and read bounds
Fresh: (b), (c)(1)–(3), necessary coverage interpretation. HTML; no pages.
Version, effective predicate, and limits
Current agency presentation. General coverage and application-distributor extension examined; no independent audit of every special actor exclusion. Consumer Financial Protection Bureau
Direct source URLs
https://www.consumerfinance.gov/rules-policy/regulations/1026/1/
https://www.consumerfinance.gov/rules-policy/regulations/1026/1/?utm_source=chatgpt.com
R013-P1-S006 Saved research record

CFPB, §1026.2—Definitions and rules of construction. https://www.consumerfinance.gov/rules-policy/regulations/1026/2/

Recorded check status: Whole original source usage reviewed; operative body not reopened in this scoped review, original access/version/pixel claims source-attributed and all currentness/application holds retained.

Exact provisions and read bounds
Fresh: (a)(6), (10)–(15), (17), (19), (20), (25), necessary related comments; relevant distinction in (24); updated (28) also checked through S019. HTML; no pages.
Version, effective predicate, and limits
Current agency presentation. Definitions read for this component; no consumer, creditor, security, or consummation fact established. Consumer Financial Protection Bureau +4
Direct source URLs
https://www.consumerfinance.gov/rules-policy/regulations/1026/2/
https://www.consumerfinance.gov/rules-policy/regulations/1026/2/?utm_source=chatgpt.com
R013-P1-S007 Saved research record

CFPB, §1026.3—Exempt transactions. https://www.consumerfinance.gov/rules-policy/regulations/1026/3/

Recorded check status: Whole original source usage reviewed; operative body not reopened in this scoped review, original access/version/pixel claims source-attributed and all currentness/application holds retained.

Exact provisions and read bounds
Fresh: complete relevant (a), (b), business/organizational/trust and open-end threshold comments; comment 3(b)-3.xvii. HTML; no pages.
Version, effective predicate, and limits
Current agency text specifies $73,400 for January 1–December 31, 2026. Amount exemption’s real-property/principal-dwelling exceptions are critical. Other exemption categories were not comprehensively investigated. Consumer Financial Protection Bureau +3
Direct source URLs
https://www.consumerfinance.gov/rules-policy/regulations/1026/3/
https://www.consumerfinance.gov/rules-policy/regulations/1026/3/?utm_source=chatgpt.com
R013-P1-S008 Saved research record

CFPB, §1026.5—General disclosure requirements. https://www.consumerfinance.gov/rules-policy/regulations/1026/5/

Recorded check status: Whole original source usage reviewed; operative body not reopened in this scoped review, original access/version/pixel claims source-attributed and all currentness/application holds retained.

Exact provisions and read bounds
Fresh: (a)(1), (b)(1)(i), (c), (d), necessary comments on writing, electronic delivery, initial timing, and multiple consumers. HTML.
Version, effective predicate, and limits
Current presentation. No actual electronic-consent or delivery finding. Consumer Financial Protection Bureau +2
Direct source URLs
https://www.consumerfinance.gov/rules-policy/regulations/1026/5/
https://www.consumerfinance.gov/rules-policy/regulations/1026/5/?utm_source=chatgpt.com
R013-P1-S009 Saved research record

CFPB, §1026.6—Account-opening disclosures, and separate interpretation page. https://www.consumerfinance.gov/rules-policy/regulations/1026/6/; https://www.consumerfinance.gov/rules-policy/regulations/1026/interp-6/

Recorded check status: Whole original source usage reviewed; operative body not reopened in this scoped review, original access/version/pixel claims source-attributed and all currentness/application holds retained.

Exact provisions and read bounds
Fresh: (a)(3)(i)–(vii), (a)(4), comments 6(a)(3)-1–4 and relevant security comments. HTML.
Version, effective predicate, and limits
Embedded comment 6(a)(3)-1 appeared as a placeholder; actual text recovered from the separate interpretation page. That particular retrieval gap was repaired. Consumer Financial Protection Bureau +1
Direct source URLs
https://www.consumerfinance.gov/rules-policy/regulations/1026/6/
https://www.consumerfinance.gov/rules-policy/regulations/1026/interp-6/
https://www.consumerfinance.gov/rules-policy/regulations/1026/6/?utm_source=chatgpt.com
https://www.consumerfinance.gov/rules-policy/regulations/1026/interp-6/?utm_source=chatgpt.com
R013-P1-S010 Saved research record

CFPB, §1026.9—Subsequent disclosure requirements. https://www.consumerfinance.gov/rules-policy/regulations/1026/9/

Recorded check status: Fresh selected9c1notice/body/exceptionandLIBORcontext192-227read; othernotice/application/basis/RegBgroupsnotfreshlyauthenticated.

Exact provisions and read bounds
Fresh: complete relevant (c)(1)(i)–(iii), comments 9(c)(1)-1–4, 9(c)(1)(i)-1–6, (ii)-1–3, and (iii)-1–2. HTML.
Version, effective predicate, and limits
Current presentation includes the LIBOR margin-notice provision operative for notices on/after October 1, 2022. Non-home-secured card rules were not imported. Consumer Financial Protection Bureau +2
Direct source URLs
https://www.consumerfinance.gov/rules-policy/regulations/1026/9/
https://www.consumerfinance.gov/rules-policy/regulations/1026/9/?utm_source=chatgpt.com
R013-P1-S011 Saved research record

CFPB, §1026.30—Limitation on rates. https://www.consumerfinance.gov/rules-policy/regulations/1026/30/

Recorded check status: Whole original source usage reviewed; operative body not reopened in this scoped review, original access/version/pixel claims source-attributed and all currentness/application holds retained.

Exact provisions and read bounds
Fresh: operative section and comments 1–12. HTML.
Version, effective predicate, and limits
Lifetime contractual maximum-rate requirement and restrictions on changing the ceiling examined. No actual rate, usury, or renewal determination. Consumer Financial Protection Bureau +1
Direct source URLs
https://www.consumerfinance.gov/rules-policy/regulations/1026/30/
https://www.consumerfinance.gov/rules-policy/regulations/1026/30/?utm_source=chatgpt.com
R013-P1-S012 Saved research record

CFPB, §1026.33—Requirements for reverse mortgages. https://www.consumerfinance.gov/rules-policy/regulations/1026/33/

Recorded check status: Whole original source usage reviewed; operative body not reopened in this scoped review, original access/version/pixel claims source-attributed and all currentness/application holds retained.

Exact provisions and read bounds
Fresh: complete (a) definition and necessary comments, including default treatment. HTML.
Version, effective predicate, and limits
Classification boundary only. No comprehensive reverse-mortgage disclosure, HUD/HECM, spouse, servicing, or program analysis. Consumer Financial Protection Bureau
Direct source URLs
https://www.consumerfinance.gov/rules-policy/regulations/1026/33/
https://www.consumerfinance.gov/rules-policy/regulations/1026/33/?utm_source=chatgpt.com
R013-P1-S013 Saved research record

CFPB, §1026.25—Record retention. https://www.consumerfinance.gov/rules-policy/regulations/1026/25/

Recorded check status: Whole original source usage reviewed; operative body not reopened in this scoped review, original access/version/pixel claims source-attributed and all currentness/application holds retained.

Exact provisions and read bounds
Fresh: (a), (b), comments 25(a)-1–4. HTML.
Version, effective predicate, and limits
General two-year evidence rule and HELOC-specific evidence comment. Other mortgage-retention regimes are held. Consumer Financial Protection Bureau
Direct source URLs
https://www.consumerfinance.gov/rules-policy/regulations/1026/25/
https://www.consumerfinance.gov/rules-policy/regulations/1026/25/?utm_source=chatgpt.com
R013-P1-S014 Saved research record

CFPB, Regulation B §1002.2—Definitions. https://www.consumerfinance.gov/rules-policy/regulations/1002/2/

Recorded check status: Whole original source usage reviewed; operative body not reopened in this scoped review, original access/version/pixel claims source-attributed and all currentness/application holds retained.

Exact provisions and read bounds
Fresh: (c)(1)–(3), (e), (f), (j), (l), (m), necessary interpretations. HTML.
Version, effective predicate, and limits
Current presentation. Existing-account adverse-action branch bounded; complete origination and business-credit procedures not redone. Consumer Financial Protection Bureau +1
Direct source URLs
https://www.consumerfinance.gov/rules-policy/regulations/1002/2/
https://www.consumerfinance.gov/rules-policy/regulations/1002/2/?utm_source=chatgpt.com
R013-P1-S015 Saved research record

CFPB, Regulation B §1002.9—Notifications. https://www.consumerfinance.gov/rules-policy/regulations/1002/9/

Recorded check status: Whole original source usage reviewed; operative body not reopened in this scoped review, original access/version/pixel claims source-attributed and all currentness/application holds retained.

Exact provisions and read bounds
Fresh: relevant (a)(1), (a)(2), (b), (d), (f), necessary comments including 9(b)(2)-9; business/incomplete-application provisions read only to bound adjacent branches. HTML.
Version, effective predicate, and limits
Current presentation. Existing-account timing, content, reasons, oral exception, and multiple-applicant rules examined. FCRA not independently audited. Consumer Financial Protection Bureau +2
Direct source URLs
https://www.consumerfinance.gov/rules-policy/regulations/1002/9/
https://www.consumerfinance.gov/rules-policy/regulations/1002/9/?utm_source=chatgpt.com
R013-P1-S016 Saved research record

CFPB, Regulation B §1002.4—General rules. https://www.consumerfinance.gov/rules-policy/regulations/1002/4/

Recorded check status: Whole original source usage reviewed; operative body not reopened in this scoped review, original access/version/pixel claims source-attributed and all currentness/application holds retained.

Exact provisions and read bounds
Fresh: (a), necessary comment, and (d) form/electronic disclosure provisions. HTML.
Version, effective predicate, and limits
Current presentation. Independent nondiscrimination and disclosure duties; no actual discrimination or creditworthiness decision. Consumer Financial Protection Bureau +1
Direct source URLs
https://www.consumerfinance.gov/rules-policy/regulations/1002/4/
https://www.consumerfinance.gov/rules-policy/regulations/1002/4/?utm_source=chatgpt.com
R013-P1-S017 Saved research record

CFPB/OFR, Truth in Lending (Regulation Z), 2011 interim final rule. https://www.federalregister.gov/documents/2011/12/22/2011-31715/truth-in-lending-regulation-z. Attempted official PDF: https://www.govinfo.gov/content/pkg/FR-2011-12-22/pdf/2011-31715.pdf

Recorded check status: Whole original source usage reviewed; operative body not reopened in this scoped review, original access/version/pixel claims source-attributed and all currentness/application holds retained.

Exact provisions, printed page, PDF index, and read bounds
Fresh HTML: action, summary, Dates, transfer/republication explanation; selected §40 material. Printed start 76 FR 79768; eCFR source citation 79772. PDF retrieval failed; no PDF index read.
Version, effective predicate, and limits
Published December 22, 2011; effective December 30, 2011. Historical republication, subsequently amended. HTML is the publisher’s XML rendition, not the official legal PDF. No full-document read claimed.
Direct source URLs
https://www.federalregister.gov/documents/2011/12/22/2011-31715/truth-in-lending-regulation-z
https://www.govinfo.gov/content/pkg/FR-2011-12-22/pdf/2011-31715.pdf
https://www.federalregister.gov/documents/2011/12/22/2011-31715/truth-in-lending-regulation-z?utm_source=chatgpt.com
R013-P1-S018 Saved research record

CFPB/OFR/GPO, Facilitating the LIBOR Transition (Regulation Z), 2021 final rule. https://www.federalregister.gov/documents/2021/12/08/2021-25825/facilitating-the-libor-transition-regulation-z; https://www.govinfo.gov/content/pkg/FR-2021-12-08/pdf/2021-25825.pdf

Recorded check status: Whole original source usage reviewed; operative body not reopened in this scoped review, original access/version/pixel claims source-attributed and all currentness/application holds retained.

Exact provisions, printed page, PDF index, and read bounds
Fresh HTML: Dates and selected HELOC/index/notice discussion. Official PDF parsed first-page text, printed 69716, zero-based index 0. No claim to reading all 85 PDF pages.
Version, effective predicate, and limits
Effective April 1, 2022, except identified Appendix H amendment effective October 1, 2023. Mandatory §9 change-notice compliance October 1, 2022; other provisions April 1, 2022. Historical text must be read with S019 and S021. federalregister.gov +1
Direct source URLs
https://www.federalregister.gov/documents/2021/12/08/2021-25825/facilitating-the-libor-transition-regulation-z
https://www.govinfo.gov/content/pkg/FR-2021-12-08/pdf/2021-25825.pdf
https://www.federalregister.gov/documents/2021/12/08/2021-25825/facilitating-the-libor-transition-regulation-z?utm_source=chatgpt.com
https://www.govinfo.gov/content/pkg/FR-2021-12-08/pdf/2021-25825.pdf?utm_source=chatgpt.com
R013-P1-S019 Saved research record

CFPB/OFR/GPO, Facilitating the LIBOR Transition Consistent With the LIBOR Act, 2023 interim final rule. https://www.federalregister.gov/documents/2023/05/11/2023-09129/facilitating-the-libor-transition-consistent-with-the-libor-act-regulation-z; https://www.govinfo.gov/content/pkg/FR-2023-05-11/pdf/2023-09129.pdf

Recorded check status: Whole original source usage reviewed; operative body not reopened in this scoped review, original access/version/pixel claims source-attributed and all currentness/application holds retained.

Exact provisions, printed page, PDF index, and read bounds
Fresh HTML: Dates; amendments to §2(a)(28), §40(f)(3)(ii)(B); complete revised §40(f)(3)(ii), (A), (B) comments. Printed 30598, 30622, 30625–30628. PDF parsed checks: index 0, 24, and portions of 27–30 covering those provisions; not every intervening PDF line independently re-read.
Version, effective predicate, and limits
Effective May 15, 2023; comment deadline June 12, 2023 was not an effective-date delay. An interim final rule, not merely a proposal. Updated terminology and 12-month branch used to address S004’s mismatch. federalregister.gov +7
Direct source URLs
https://www.federalregister.gov/documents/2023/05/11/2023-09129/facilitating-the-libor-transition-consistent-with-the-libor-act-regulation-z
https://www.govinfo.gov/content/pkg/FR-2023-05-11/pdf/2023-09129.pdf
https://www.federalregister.gov/documents/2023/05/11/2023-09129/facilitating-the-libor-transition-consistent-with-the-libor-act-regulation-z?utm_source=chatgpt.com
https://www.govinfo.gov/content/pkg/FR-2023-05-11/pdf/2023-09129.pdf?utm_source=chatgpt.com
R013-P1-S020 Saved research record

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

Recorded check status: Whole original source usage reviewed; operative body not reopened in this scoped review, original access/version/pixel claims source-attributed and all currentness/application holds retained.

Exact provisions, printed page, PDF index, and read bounds
Fresh HTML: relevant advisory-opinion and circular entries, including existing-account revocations and adverse-action guidance; read relevant register portion, not every entry. No PDF pages.
Version, effective predicate, and limits
Relevant entries list withdrawal on May 12, 2025. Used for publisher status only. No circular, bulletin, or advisory supplies a substantive conclusion here. Consumer Financial Protection Bureau +1
Direct source URLs
https://www.consumerfinance.gov/compliance/guidance/withdrawn-guidance/
https://www.consumerfinance.gov/compliance/guidance/withdrawn-guidance/?utm_source=chatgpt.com
R013-P1-S021 Saved research record

CFPB/OFR, Facilitating the LIBOR Transition; Correction. https://www.federalregister.gov/documents/2022/02/16/2022-03344/facilitating-the-libor-transition-regulation-z-correction

Recorded check status: Whole original source usage reviewed; operative body not reopened in this scoped review, original access/version/pixel claims source-attributed and all currentness/application holds retained.

Exact provisions, printed page, PDF index, and read bounds
Fresh complete relevant HTML body: summary, Dates, corrections to two preamble footnotes. 87 FR 8733. PDF not opened; index not applicable.
Version, effective predicate, and limits
Effective February 16, 2022. Corrects hyperlinks/document reference in the 2021 preamble, not the focused freeze grounds. federalregister.gov
Direct source URLs
https://www.federalregister.gov/documents/2022/02/16/2022-03344/facilitating-the-libor-transition-regulation-z-correction
https://www.federalregister.gov/d/2022-03344?utm_source=chatgpt.com
R013-P1-S022 Saved research record

Federal Reserve/OFR/GPO, 12 CFR §215.5—Additional restrictions on loans to executive officers of member banks. https://www.ecfr.gov/current/title-12/chapter-II/subchapter-A/part-215/section-215.5

Recorded check status: Whole original source usage reviewed; operative body not reopened in this scoped review, original access/version/pixel claims source-attributed and all currentness/application holds retained.

Exact provisions, printed page, PDF index, and read bounds
Fresh complete section, particularly opening scope and (d)(4), with (c) read for the cross-reference. HTML.
Version, effective predicate, and limits
eCFR currency October 23, 2026. Bounded example of a particular federal written demand-condition requirement. Not a complete Regulation O analysis or an actual executive-officer determination. ecfr.gov +1
Direct source URLs
https://www.ecfr.gov/current/title-12/chapter-II/subchapter-A/part-215/section-215.5
https://www.ecfr.gov/current/title-12/chapter-II/subchapter-A/part-215/section-215.5?utm_source=chatgpt.com

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-credit purpose

Recorded check status: recorded; no individual primary acceptance inferred

Disposition and claim/example links
Answered conditionally — C001–C002, C007; E002
Exact missing authority or facts
Actual use/purpose and mixed-purpose facts
Next bounded permissible investigation
Generic §3(a) analysis of a supplied, de-identified product description

Recorded coordinator check boundaries

coordinator acceptance
scoped_review_complete_with_open_missing_evidence_no_component_state_or_parent_acceptance
coverage-2 Saved research record

Open-end versus closed-end

Recorded check status: recorded; no individual primary acceptance inferred

Disposition and claim/example links
Answered — C004, C013; E001
Exact missing authority or facts
Actual legal replenishment and advance conditions
Next bounded permissible investigation
Compare generic plan terms to §2(a)(20)

Recorded coordinator check boundaries

coordinator acceptance
scoped_review_complete_with_open_missing_evidence_no_component_state_or_parent_acceptance
coverage-3 Saved research record

Dwelling versus principal dwelling

Recorded check status: recorded; no individual primary acceptance inferred

Disposition and claim/example links
Answered — C005
Exact missing authority or facts
Residential-use facts; which separate principal-dwelling rule matters
Next bounded permissible investigation
Examine only the relevant generic definition branch

Recorded coordinator check boundaries

coordinator acceptance
scoped_review_complete_with_open_missing_evidence_no_component_state_or_parent_acceptance
coverage-4 Saved research record

First versus second lien

Recorded check status: recorded; no individual primary acceptance inferred

Disposition and claim/example links
Answered for §40 coverage — C005–C006
Exact missing authority or facts
Actual security and priority facts
Next bounded permissible investigation
Generic instrument/security classification; no priority adjudication

Recorded coordinator check boundaries

coordinator acceptance
scoped_review_complete_with_open_missing_evidence_no_component_state_or_parent_acceptance
coverage-5 Saved research record

Manufactured/mobile/boat residence

Recorded check status: recorded; no individual primary acceptance inferred

Disposition and claim/example links
Answered at definition level — C005, C009
Exact missing authority or facts
Residential use, attachment, principal use, amount-exemption facts
Next bounded permissible investigation
Bound a later product-specific definition inquiry

Recorded coordinator check boundaries

coordinator acceptance
scoped_review_complete_with_open_missing_evidence_no_component_state_or_parent_acceptance
coverage-6 Saved research record

Legally recognized security; incidental interests

Recorded check status: recorded; no individual primary acceptance inferred

Disposition and claim/example links
Partial / facts held — C006
Exact missing authority or facts
Applicable state/federal recognition and instrument scope
Next bounded permissible investigation
Published jurisdiction-specific law if separately assigned

Recorded coordinator check boundaries

coordinator acceptance
scoped_review_complete_with_open_missing_evidence_no_component_state_or_parent_acceptance
coverage-7 Saved research record

Dragnet / cross-collateralization

Recorded check status: recorded; no individual primary acceptance inferred

Disposition and claim/example links
Answered conditionally — C006
Exact missing authority or facts
Whether clause applies or was effectively waived
Next bounded permissible investigation
Generic contract-clause comparison

Recorded coordinator check boundaries

coordinator acceptance
scoped_review_complete_with_open_missing_evidence_no_component_state_or_parent_acceptance
coverage-8 Saved research record

Ordinary creditor and special card roles

Recorded check status: recorded; no individual primary acceptance inferred

Disposition and claim/example links
Answered at federal definition level — C003, C010
Exact missing authority or facts
Initial payee, regularity, special class, statutory actor exclusion
Next bounded permissible investigation
Read only an identified generic actor-class exception if necessary

Recorded coordinator check boundaries

coordinator acceptance
scoped_review_complete_with_open_missing_evidence_no_component_state_or_parent_acceptance
coverage-9 Saved research record

Business credit

Recorded check status: recorded; no individual primary acceptance inferred

Disposition and claim/example links
Excluded from this §40 consumer branch when established — C007; E002
Exact missing authority or facts
Actual primary purpose
Next bounded permissible investigation
Separate generic business-credit assignment

Recorded coordinator check boundaries

coordinator acceptance
scoped_review_complete_with_open_missing_evidence_no_component_state_or_parent_acceptance
coverage-10 Saved research record

Organization / trust

Recorded check status: recorded; no individual primary acceptance inferred

Disposition and claim/example links
Answered with exceptions — C008
Exact missing authority or facts
Legal structure and consumer substance
Next bounded permissible investigation
Generic trust/organizational classification

Recorded coordinator check boundaries

coordinator acceptance
scoped_review_complete_with_open_missing_evidence_no_component_state_or_parent_acceptance
coverage-11 Saved research record

Amount exemption

Recorded check status: recorded; no individual primary acceptance inferred

Disposition and claim/example links
Answered conditionally — C009
Exact missing authority or facts
Relevant period, security type, initial extension/commitment
Next bounded permissible investigation
Period-specific official threshold and commitment analysis

Recorded coordinator check boundaries

coordinator acceptance
scoped_review_complete_with_open_missing_evidence_no_component_state_or_parent_acceptance
coverage-12 Saved research record

Card-access HELOC versus non-home-secured card

Recorded check status: recorded; no individual primary acceptance inferred

Disposition and claim/example links
Answered — C010
Exact missing authority or facts
Actual account structure
Next bounded permissible investigation
No complete credit-card regime investigation in this pass

Recorded coordinator check boundaries

coordinator acceptance
scoped_review_complete_with_open_missing_evidence_no_component_state_or_parent_acceptance
coverage-13 Saved research record

Historical plan and security-addition dates

Recorded check status: recorded; no individual primary acceptance inferred

Disposition and claim/example links
Answered conditionally — C011
Exact missing authority or facts
Original entry, renewal, security-addition dates
Next bounded permissible investigation
Historical official version for a stipulated date category

Recorded coordinator check boundaries

coordinator acceptance
scoped_review_complete_with_open_missing_evidence_no_component_state_or_parent_acceptance
coverage-14 Saved research record

Draw/repayment phases and later conversion

Recorded check status: recorded; no individual primary acceptance inferred

Disposition and claim/example links
Answered — C012–C013
Exact missing authority or facts
Original versus later terms; replenishment
Next bounded permissible investigation
Generic clause-level classification

Recorded coordinator check boundaries

coordinator acceptance
scoped_review_complete_with_open_missing_evidence_no_component_state_or_parent_acceptance
coverage-15 Saved research record

Reverse-mortgage definition

Recorded check status: recorded; no individual primary acceptance inferred

Disposition and claim/example links
Answered at boundary level — C014; E016
Exact missing authority or facts
Nonrecourse, principal security, payment-event structure
Next bounded permissible investigation
Product-specific §33 study if separately assigned

Recorded coordinator check boundaries

coordinator acceptance
scoped_review_complete_with_open_missing_evidence_no_component_state_or_parent_acceptance
coverage-16 Saved research record

Reverse termination / government program

Recorded check status: recorded; no individual primary acceptance inferred

Disposition and claim/example links
Partial — C015; E016
Exact missing authority or facts
Applicable HUD/HECM or other program; spouse/occupancy/cure facts
Next bounded permissible investigation
Official program rules only after a bounded program assignment

Recorded coordinator check boundaries

coordinator acceptance
scoped_review_complete_with_open_missing_evidence_no_component_state_or_parent_acceptance
coverage-17 Saved research record

Fraud/material misrepresentation

Recorded check status: recorded; no individual primary acceptance inferred

Disposition and claim/example links
Answered federal condition; state elements held — C018; E018
Exact missing authority or facts
Required state elements, intent, materiality, actual conduct
Next bounded permissible investigation
Published law of a specified jurisdiction, without case-record searches

Recorded coordinator check boundaries

coordinator acceptance
scoped_review_complete_with_open_missing_evidence_no_component_state_or_parent_acceptance
coverage-18 Saved research record

Actual repayment failure

Recorded check status: recorded; no individual primary acceptance inferred

Disposition and claim/example links
Answered — C019; E019
Exact missing authority or facts
Actual obligation and payment facts
Next bounded permissible investigation
Generic payment/default clause analysis

Recorded coordinator check boundaries

coordinator acceptance
scoped_review_complete_with_open_missing_evidence_no_component_state_or_parent_acceptance
coverage-19 Saved research record

Cure and timing before acceleration

Recorded check status: recorded; no individual primary acceptance inferred

Disposition and claim/example links
Partial / held — C020
Exact missing authority or facts
State, instrument, insolvency, other-law duties
Next bounded permissible investigation
Separate jurisdiction/product cure research; no personal deadline

Recorded coordinator check boundaries

coordinator acceptance
scoped_review_complete_with_open_missing_evidence_no_component_state_or_parent_acceptance
coverage-20 Saved research record

Security impairment and actor

Recorded check status: recorded; no individual primary acceptance inferred

Disposition and claim/example links
Answered federal test — C021–C022; E022
Exact missing authority or facts
Causation, collateral/right affected, actual impairment
Next bounded permissible investigation
Generic legal-effect analysis under identified applicable law

Recorded coordinator check boundaries

coordinator acceptance
scoped_review_complete_with_open_missing_evidence_no_component_state_or_parent_acceptance
coverage-21 Saved research record

Third-party events and official examples

Recorded check status: recorded; no individual primary acceptance inferred

Disposition and claim/example links
Answered with preserved qualifications — C021–C022
Exact missing authority or facts
Actual fit with an express example and other law
Next bounded permissible investigation
No expansion beyond the published examples without authority

Recorded coordinator check boundaries

coordinator acceptance
scoped_review_complete_with_open_missing_evidence_no_component_state_or_parent_acceptance
coverage-22 Saved research record

Executive-officer federal demand condition

Recorded check status: recorded; no individual primary acceptance inferred

Disposition and claim/example links
Partial, bounded — C023
Exact missing authority or facts
Actor/program coverage, category, required condition, initial clause
Next bounded permissible investigation
Complete generic Regulation O branch only if needed

Recorded coordinator check boundaries

coordinator acceptance
scoped_review_complete_with_open_missing_evidence_no_component_state_or_parent_acceptance
coverage-23 Saved research record

Lesser action instead of acceleration

Recorded check status: recorded; no individual primary acceptance inferred

Disposition and claim/example links
Answered — C024; E013
Exact missing authority or facts
Valid ground existing at action time
Next bounded permissible investigation
Compare stipulated grounds and action; preserve notice branches

Recorded coordinator check boundaries

coordinator acceptance
scoped_review_complete_with_open_missing_evidence_no_component_state_or_parent_acceptance
coverage-24 Saved research record

Unsupported versus significant value decline

Recorded check status: recorded; no individual primary acceptance inferred

Disposition and claim/example links
Answered — C027–C028; E003–E004
Exact missing authority or facts
Baseline, reliable changed value, significance facts
Next bounded permissible investigation
Generic methodology only; no property lookup

Recorded coordinator check boundaries

coordinator acceptance
scoped_review_complete_with_open_missing_evidence_no_component_state_or_parent_acceptance
coverage-25 Saved research record

Financial change plus reasonable inability belief

Recorded check status: recorded; no individual primary acceptance inferred

Disposition and claim/example links
Answered — C029–C030; E005–E006
Exact missing authority or facts
Material change and contemporaneous causal reasoning
Next bounded permissible investigation
Generic evidence-category review, no score/report query

Recorded coordinator check boundaries

coordinator acceptance
scoped_review_complete_with_open_missing_evidence_no_component_state_or_parent_acceptance
coverage-26 Saved research record

Material-obligation default

Recorded check status: recorded; no individual primary acceptance inferred

Disposition and claim/example links
Answered conditionally — C031; E007
Exact missing authority or facts
Material agreement term, breach, required category disclosure
Next bounded permissible investigation
Generic obligation and disclosure comparison

Recorded coordinator check boundaries

coordinator acceptance
scoped_review_complete_with_open_missing_evidence_no_component_state_or_parent_acceptance
coverage-27 Saved research record

Government APR restriction

Recorded check status: recorded; no individual primary acceptance inferred

Disposition and claim/example links
Answered conditionally — C032; E008
Exact missing authority or facts
Operative applicable law, preclusion, duration
Next bounded permissible investigation
Published government-action text only

Recorded coordinator check boundaries

coordinator acceptance
scoped_review_complete_with_open_missing_evidence_no_component_state_or_parent_acceptance
coverage-28 Saved research record

Government priority impairment

Recorded check status: recorded; no individual primary acceptance inferred

Disposition and claim/example links
Answered conditionally — C033; E009
Exact missing authority or facts
Government causation, priority effect, security-value/line predicate
Next bounded permissible investigation
Separate generic priority-law study; no title/record search

Recorded coordinator check boundaries

coordinator acceptance
scoped_review_complete_with_open_missing_evidence_no_component_state_or_parent_acceptance
coverage-29 Saved research record

Regulatory unsafe-and-unsound direction

Recorded check status: recorded; no individual primary acceptance inferred

Disposition and claim/example links
Answered conditionally — C034; E010
Exact missing authority or facts
Applicable regulator notification and continuing scope
Next bounded permissible investigation
Public generic regulatory text if relevant; no institution query

Recorded coordinator check boundaries

coordinator acceptance
scoped_review_complete_with_open_missing_evidence_no_component_state_or_parent_acceptance
coverage-30 Saved research record

Creditor-policy-only restriction

Recorded check status: recorded; no individual primary acceptance inferred

Disposition and claim/example links
Answered — C025, C042; E011
Exact missing authority or facts
Any genuinely separate permitted ground
Next bounded permissible investigation
No general policy exception inferred

Recorded coordinator check boundaries

coordinator acceptance
scoped_review_complete_with_open_missing_evidence_no_component_state_or_parent_acceptance
coverage-31 Saved research record

Maximum-rate condition

Recorded check status: recorded; no individual primary acceptance inferred

Disposition and claim/example links
Answered — C035, C050; E017
Exact missing authority or facts
Initial reservation, maximum, event and duration
Next bounded permissible investigation
Generic rate-cap clause analysis

Recorded coordinator check boundaries

coordinator acceptance
scoped_review_complete_with_open_missing_evidence_no_component_state_or_parent_acceptance
coverage-32 Saved research record

Temporary duration and cessation

Recorded check status: recorded; no individual primary acceptance inferred

Disposition and claim/example links
Answered — C036; E012
Exact missing authority or facts
When condition ended; other grounds; draw-period status
Next bounded permissible investigation
Generic reinstatement sequencing

Recorded coordinator check boundaries

coordinator acceptance
scoped_review_complete_with_open_missing_evidence_no_component_state_or_parent_acceptance
coverage-33 Saved research record

Monitoring/request alternatives

Recorded check status: recorded; no individual primary acceptance inferred

Disposition and claim/example links
Answered — C037, C058
Exact missing authority or facts
Proper notice, request, investigation sequence
Next bounded permissible investigation
Compare blank/generic notice wording

Recorded coordinator check boundaries

coordinator acceptance
scoped_review_complete_with_open_missing_evidence_no_component_state_or_parent_acceptance
coverage-34 Saved research record

Reinstatement charges

Recorded check status: recorded; no individual primary acceptance inferred

Disposition and claim/example links
Answered — C038; E021
Exact missing authority or facts
Actual incurred cost, fee purpose, state law
Next bounded permissible investigation
Separate generic state fee rule if assigned

Recorded coordinator check boundaries

coordinator acceptance
scoped_review_complete_with_open_missing_evidence_no_component_state_or_parent_acceptance
coverage-35 Saved research record

Consumer-requested/multiple-consumer freeze

Recorded check status: recorded; no individual primary acceptance inferred

Disposition and claim/example links
Answered — C039
Exact missing authority or facts
Agreement permissions and request requirements
Next bounded permissible investigation
Generic joint-obligation clause analysis

Recorded coordinator check boundaries

coordinator acceptance
scoped_review_complete_with_open_missing_evidence_no_component_state_or_parent_acceptance
coverage-36 Saved research record

Documentation and retention

Recorded check status: recorded; no individual primary acceptance inferred

Disposition and claim/example links
Answered within §25(a) — C040
Exact missing authority or facts
Actual compliance evidence; other applicable retention rules
Next bounded permissible investigation
No broad discovery or records-request branch in this pass

Recorded coordinator check boundaries

coordinator acceptance
scoped_review_complete_with_open_missing_evidence_no_component_state_or_parent_acceptance
coverage-37 Saved research record

Contractual change limits

Recorded check status: recorded; no individual primary acceptance inferred

Disposition and claim/example links
Answered — C041–C045; E020
Exact missing authority or facts
Exact existing and proposed clauses
Next bounded permissible investigation
Generic clause comparison

Recorded coordinator check boundaries

coordinator acceptance
scoped_review_complete_with_open_missing_evidence_no_component_state_or_parent_acceptance
coverage-38 Saved research record

Variable index and replacement

Recorded check status: recorded; no individual primary acceptance inferred

Disposition and claim/example links
Answered to necessary conditions — C046–C049
Exact missing authority or facts
Actual index, contract, margin, replacement date
Next bounded permissible investigation
Separate numerical transition audit only if expressly assigned

Recorded coordinator check boundaries

coordinator acceptance
scoped_review_complete_with_open_missing_evidence_no_component_state_or_parent_acceptance
coverage-39 Saved research record

Lifetime maximum rate

Recorded check status: recorded; no individual primary acceptance inferred

Disposition and claim/example links
Answered at governing-rule level — C050
Exact missing authority or facts
Initial cap and permitted-change facts
Next bounded permissible investigation
No APR/points/usury calculation here

Recorded coordinator check boundaries

coordinator acceptance
scoped_review_complete_with_open_missing_evidence_no_component_state_or_parent_acceptance
coverage-40 Saved research record

Early application disclosure

Recorded check status: recorded; no individual primary acceptance inferred

Disposition and claim/example links
Answered to focused content/timing — C051, C053–C056
Exact missing authority or facts
Distribution method and application event
Next bounded permissible investigation
Blank disclosure review, without full underwriting redo

Recorded coordinator check boundaries

coordinator acceptance
scoped_review_complete_with_open_missing_evidence_no_component_state_or_parent_acceptance
coverage-41 Saved research record

Opening condition list

Recorded check status: recorded; no individual primary acceptance inferred

Disposition and claim/example links
Answered — C052
Exact missing authority or facts
Actual list, retainability, timing
Next bounded permissible investigation
Generic account-opening document review

Recorded coordinator check boundaries

coordinator acceptance
scoped_review_complete_with_open_missing_evidence_no_component_state_or_parent_acceptance
coverage-42 Saved research record

Later restriction notice

Recorded check status: recorded; no individual primary acceptance inferred

Disposition and claim/example links
Answered — C057–C059; E014
Exact missing authority or facts
Ground, action date, dispatch, content, recipient
Next bounded permissible investigation
Blank notice comparison; no actual deadline

Recorded coordinator check boundaries

coordinator acceptance
scoped_review_complete_with_open_missing_evidence_no_component_state_or_parent_acceptance
coverage-43 Saved research record

Other changes / 15-day rule

Recorded check status: recorded; no individual primary acceptance inferred

Disposition and claim/example links
Answered with text/comment qualification — C060–C061
Exact missing authority or facts
Change type, agreement, exception
Next bounded permissible investigation
Narrow clause-specific notice analysis

Recorded coordinator check boundaries

coordinator acceptance
scoped_review_complete_with_open_missing_evidence_no_component_state_or_parent_acceptance
coverage-44 Saved research record

Electronic delivery / recipients / business days

Recorded check status: recorded; no individual primary acceptance inferred

Disposition and claim/example links
Answered conditionally — C062–C064
Exact missing authority or facts
Consent, medium, liable-party roles, business schedule
Next bounded permissible investigation
Generic delivery requirements only

Recorded coordinator check boundaries

coordinator acceptance
scoped_review_complete_with_open_missing_evidence_no_component_state_or_parent_acceptance
coverage-45 Saved research record

Regulation B adverse-action classification

Recorded check status: recorded; no individual primary acceptance inferred

Disposition and claim/example links
Answered, bounded — C066–C068
Exact missing authority or facts
Class-wide effect, exception, application versus account action
Next bounded permissible investigation
Separate classification of stipulated generic facts

Recorded coordinator check boundaries

coordinator acceptance
scoped_review_complete_with_open_missing_evidence_no_component_state_or_parent_acceptance
coverage-46 Saved research record

Regulation B content, timing, exceptions

Recorded check status: recorded; no individual primary acceptance inferred

Disposition and claim/example links
Answered, bounded — C069–C071
Exact missing authority or facts
Applicable actor exception and notice path
Next bounded permissible investigation
Blank notice review; no complete origination investigation

Recorded coordinator check boundaries

coordinator acceptance
scoped_review_complete_with_open_missing_evidence_no_component_state_or_parent_acceptance
coverage-47 Saved research record

Nondiscrimination / FCRA

Recorded check status: recorded; no individual primary acceptance inferred

Disposition and claim/example links
Partial / held — C070, C072
Exact missing authority or facts
Actual discrimination evidence; complete FCRA authority and facts
Next bounded permissible investigation
Separate official-source assignment; no report or person query

Recorded coordinator check boundaries

coordinator acceptance
scoped_review_complete_with_open_missing_evidence_no_component_state_or_parent_acceptance
coverage-48 Saved research record

Draw rights versus payments

Recorded check status: recorded; no individual primary acceptance inferred

Disposition and claim/example links
Answered — C073; E015
Exact missing authority or facts
Actual repayment and draw terms
Next bounded permissible investigation
No balance, credit-availability, or discharge determination

Recorded coordinator check boundaries

coordinator acceptance
scoped_review_complete_with_open_missing_evidence_no_component_state_or_parent_acceptance
coverage-49 Saved research record

Currentness and selected history

Recorded check status: recorded; no individual primary acceptance inferred

Disposition and claim/example links
Answered with explicit gaps — C074–C081
Exact missing authority or facts
Full intervening law audit and complete supplement comparison
Next bounded permissible investigation
Additional public primary version comparison, if assigned

Recorded coordinator check boundaries

coordinator acceptance
scoped_review_complete_with_open_missing_evidence_no_component_state_or_parent_acceptance
coverage-50 Saved research record

Guidance withdrawal

Recorded check status: recorded; no individual primary acceptance inferred

Disposition and claim/example links
Answered for materials identified — C079
Exact missing authority or facts
No substantive reliance on advisory/circular content
Next bounded permissible investigation
Recheck register and publisher if a future assignment would use guidance

Recorded coordinator check boundaries

coordinator acceptance
scoped_review_complete_with_open_missing_evidence_no_component_state_or_parent_acceptance
coverage-51 Saved research record

Opinions, standing, remedies, litigation

Recorded check status: recorded; no individual primary acceptance inferred

Disposition and claim/example links
Excluded / preserved
Exact missing authority or facts
No consequential opinion was necessary here; actual jurisdiction/remedy facts absent
Next bounded permissible investigation
Separate published-opinion research only if material; no dockets

Recorded coordinator check boundaries

coordinator acceptance
scoped_review_complete_with_open_missing_evidence_no_component_state_or_parent_acceptance
coverage-52 Saved research record

Remaining A013 dimensions

Recorded check status: recorded; no individual primary acceptance inferred

Disposition and claim/example links
Unresolved by design
Exact missing authority or facts
All broader product, servicing, foreclosure, deficiency, loss-mitigation, and other parent matters
Next bounded permissible investigation
Separate focused component; no parent closure

Recorded coordinator check boundaries

coordinator acceptance
scoped_review_complete_with_open_missing_evidence_no_component_state_or_parent_acceptance

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 complete with holds

Other components in this research series

Download this complete public research record (JSON)
Record integrity

Original saved Markdown SHA-256: 20ec60317b49831f48b3af0e877828dfc6a7a7c38c7499e813ca7a3b1e377dca. Public formatting, private-reference removal and correction annotations are separate from that immutable original.

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