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What will you owe after selling or returning a financed vehicle?

Compare keeping, selling, returning, or losing the asset by the balance that could remain afterward.

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

DETAILED RESEARCH · EVIDENCE & LIMITS INCLUDED

Federal consumer vehicle-lease early termination and default charges

R015 · pass-01Captured 2026-10-2716 tables · 73 claim records · 18 source recordsScoped coordinator review completed

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

How to read the research →

SettleADebt R015 PASS-01

Focused finding and research boundary

For a covered consumer vehicle lease, federal law requires disclosure of the conditions and charges for early termination and independently limits delinquency, default, and early-termination charges to reasonable amounts. Disclosure of a charge, use of a recognized calculation method, or delivery of a model disclosure does not by itself establish that the charge is reasonable, contractually authorized, or enforceable under applicable state law. The governing provisions do not create a universal cancellation right, payoff formula, cure period, acceleration right, or repossession right. uscode.house.gov+3

The verified annual threshold for a lease consummated during January 1–December 31, 2026 is $73,400. That is a threshold for the defined total contractual obligation, not automatically the vehicle’s price, capitalized cost, residual value, or total disclosed payments. Coverage also requires the other product, purpose, property, term, lessee, and lessor conditions below. govinfo.gov+2

This is a fresh, bounded investigation of published federal law and official interpretations. No saved report or earlier R004/R008/R010/R012/R013 analysis was used as a foundation. No actual contract, person, business, vehicle, account, license, property, record, or docket was queried. No public generic contract was necessary to establish this framework.

Actual research check: October 27, 2026, America/Los_Angeles. A clock check during the investigation returned 15:55:29 PDT / 22:55:29 UTC. Access dates below are research dates, not enactment or effective dates. No independently verified claim is made about the application’s model-picker label or UI provenance.

All periods below describe statutory or regulatory triggers. No actual calendar deadline, vehicle value, collectible balance, lawful APR, lease payoff, eligibility, or liability has been calculated.

1. Version, effectiveness, and currentness findings

Material	Version or effective predicate actually established	Treatment in this report	Remaining limit
Consumer Leasing Act, 15 U.S.C. §§1667–1667f, selected sections	OLRC bodies displayed laws in effect through Public Law 119-120, October 7, 2026, including where the literal URL contains 119-118. The CLA’s original effective-date note specifies one year after March 23, 1976.	Statutory text, distinguished from regulations and interpretations.	The compilation banner does not establish a complete session-law review through October 27, 2026.
Annual inflation authority	Pub. L. 111-203 §1100E(b), reproduced in the §1603 inflation note, directs annual adjustment on and after December 31, 2011.	Statutory authority for annual adjustments; not a substitute for the applicable year’s published amount.	No independent reconstruction of every historical inflation calculation.
CFPB Regulation M republication	76 FR 78500, December 19, 2011; effective December 30, 2011. A December 29 correction supplied the 2012 threshold entry.	Historical transfer/republication and correction, read within the bounds recorded below.	The original republication is not treated as the complete current regulation.
CFPB adoption of interim rules	81 FR 25323, April 28, 2016; effective April 28, 2016. The issuance provision adopted the Regulation M interim rule subject to intervening amendments.	Historical final-rule status.	Selected Regulation M adoption language read; not every regulation addressed by that omnibus rule.
2025 annual CFR	Title 12, volume 8, part 1013, January 1, 2025 edition, printed pp. 505–531.	Official historical annual codification used to check selected operative clauses and commentary.	It is not the 2026 annual edition.
2026 threshold final rule	90 FR 57878–57882, published December 15, 2025; effective January 1, 2026; threshold $73,400 for January 1–December 31, 2026.	Final rule and official-interpretation amendment, including both parts 213 and 1013.	Not a 2027 threshold determination.
Agency regulation webpages	CFPB pages identify their versions as current; the part index identifies January 1, 2026 as the most recent amendment. Board materials retain part 213 for the relevant dealer jurisdiction.	Official publisher presentations of the working operative bodies.	An agency “current” label is not an official annual-CFR, List of CFR Sections Affected, session-law, or complete litigation-history audit. CFPB itself distinguishes its web presentation from the official legal edition.
eCFR and 2026 annual CFR	eCFR access encountered an access gate; the attempted 2026 annual part 1013 and part 213 PDFs were not retrievable.	Explicit retrieval gaps.	No inference that the provisions do not exist, were repealed, or have no amendments.
Proposed, future-effective, stayed, vacated, repealed, or withdrawn materials	No such material was used as an operative substitute.	Separate from the operative bodies and historical final rules above.	A complete intervening amendment, stay, vacatur, and later judicial-history audit remains unestablished.
CFPB circulars, bulletins, advisories; published opinions	None relied upon.	No guidance-based or opinion-based holding asserted.	The Withdrawn Guidance register was not needed or checked for this report. No implication that withdrawal repeals a statute or regulation. A case citation appearing inside an official comment was not treated as a separately read opinion.

The annual threshold, historical adoption dates, and continuing Board/CFPB jurisdictional division are supported by the actual final rules and statutory bodies, rather than by a general overview or a renamed-regulation assumption. uscode.house.gov+6

2. Source table

Reading conventions

Every entry was accessed or attempted on 2026-10-27 PDT and concerns United States federal law. Those common date and jurisdiction fields apply to every row.

Fresh: body read during this investigation.
Discovery: index, metadata, or a limited opening used to locate material, not substantive corroboration.
Failure: the requested body was not obtained.
HTML: printed page and zero-based PDF index are not applicable unless Federal Register printed-page markers are identified.
Sections and alternative presentations of the same legal document are grouped. They are not counted as independent corroboration.
PDF statements below describe parsed text. No successful pixel inspection is claimed.

Source ID	Issuer, title, and complete literal HTTPS URLs	Exact clauses/comments and read bounds	Version/effective predicate; status and limits
R015-P1-S001	OLRC — Consumer Leasing Act statutory family. https://uscode.house.gov/us/usc/119-118/t15/s1667/ https://uscode.house.gov/us/usc/119-118/t15/s1667a/ https://uscode.house.gov/us/usc/119-118/t15/s1667b/ https://uscode.house.gov/us/usc/119-118/t15/s1667c/ https://uscode.house.gov/us/usc/119-118/t15/s1667e/ https://uscode.house.gov/us/usc/119-118/t15/s1667f/	Fresh complete operative bodies: §1667 definitions (1)–(5); §1667a opening, (1)–(11), closing; §1667b(a)–(c); §1667c(a)–(c); §1667e(a)–(b); §1667f(a)–(b). Selected effective-date/editorial notes also read. HTML; no PDF index.	Displayed compilation through P.L. 119-120, October 7, 2026. Statutory text and editorial notes distinguished. No §1667d remedies investigation or complete subsequent session-law audit. uscode.house.gov+5
R015-P1-S002	OLRC — TILA credit-sale definition and inflation authority. https://uscode.house.gov/us/usc/119-118/t15/s1602/ https://uscode.house.gov/us/usc/119-118/t15/s1603/	Fresh §1602(h); §1603 “Adjustments for Inflation” note, P.L. 111-203 §1100E(b), and relevant 2010 effective-date note. Other visible §1603 exclusions were not used to complete vehicle-credit analysis. HTML.	Same displayed statutory-compilation limit. §1667’s older cross-reference to §1602(g) is explained by the editorial redesignation to (h). uscode.house.gov+1
R015-P1-S003	OLRC — 12 U.S.C. §5519, Exclusion for auto dealers. https://uscode.house.gov/us/usc/119-120/t12/s5519/	Fresh complete (a)–(f), including all three functional exceptions, preservation of other-agency authority, and statutory vehicle/dealer definitions; effective-date note. HTML.	Dodd-Frank §1029; displayed compilation through October 7, 2026. No actual dealer, license, business-line, or assignment-practice determination. uscode.house.gov
R015-P1-S004	OLRC — 15 U.S.C. §7001, E-SIGN general rule of validity. https://uscode.house.gov/us/usc/119-118/t15/s7001/	Fresh (a)–(f), including consumer consent, access demonstration, changed-system requirements, withdrawal, preservation of other law, retention, and proximity; selected effective-date notes. HTML.	General E-SIGN effective date October 1, 2000; retention provisions have separate transition dates in the notes. No actual consent or legacy-consent conclusion. uscode.house.gov+2
R015-P1-S005	CFPB — 12 CFR part 1013 and Supplement I, grouped agency presentation. https://www.consumerfinance.gov/rules-policy/regulations/1013/1/ https://www.consumerfinance.gov/rules-policy/regulations/1013/interp-1/ https://www.consumerfinance.gov/rules-policy/regulations/1013/2/ https://www.consumerfinance.gov/rules-policy/regulations/1013/3/ https://www.consumerfinance.gov/rules-policy/regulations/1013/4/ https://www.consumerfinance.gov/rules-policy/regulations/1013/interp-4/ https://www.consumerfinance.gov/rules-policy/regulations/1013/5/ https://www.consumerfinance.gov/rules-policy/regulations/1013/interp-5/ https://www.consumerfinance.gov/rules-policy/regulations/1013/7/ https://www.consumerfinance.gov/rules-policy/regulations/1013/9/ https://www.consumerfinance.gov/rules-policy/regulations/1013/a/	Fresh §§1, 2, 3, 5, 7, 9 operative bodies and necessary integrated comments; standalone comment 1-1 and comment 5-1; §4(a)–(m), (q)–(t) and necessary comments. Relevant §4 comments were also checked in the standalone interpretation presentation. Appendix A comments 1–4 only; model-form images were not inspected. Incidental insurance/security/warranty text appearing in retrievals was not developed into those parent components. HTML.	Pages say current; operative rules distinguished from official interpretations. Subject to S008/S009 checks and currentness limits. Multiple pages remain one regulation/commentary family. Consumer Financial Protection Bureau+7
R015-P1-S006	CFPB and Federal Reserve — Regulation Z credit-sale definition. https://www.consumerfinance.gov/rules-policy/regulations/1026/2/ https://www.federalreserve.gov/frrs/regulations/section-2262-definitions-and-rules-of-construction.htm	Fresh §1026.2(a)(16) and relevant comments, especially comments 1–2; Board §226.2(a)(16). Selected provisions only, not whole Regulation Z. HTML.	Used to follow Regulation M’s credit-sale cross-reference and distinguish a direct loan. Actual Regulation Z coverage and credit-origination compliance remain held. Consumer Financial Protection Bureau+1
R015-P1-S007	Federal Reserve — continuing Regulation M, part 213. https://www.federalreserve.gov/frrs/regulations/section-2131-authority-scope-purpose-and-enforcement.htm https://www.federalreserve.gov/frrs/regulations/section-2134-content-of-disclosures.htm https://www.federalreserve.gov/frrs/regulations/official-staff-commentary-on-regulation-m.htm	Fresh §213.1; selected complete §213.4(g), (k)–(m), (q), related provisions; comments 4(g)(1)-1–5, 4(l), 4(m), 4(q)-1–5, 5-1, and current threshold commentary. HTML; long navigation portions not substantive reads.	Continuing dealer jurisdiction corroborated by S009. Website headers are not a full amendment history; this is not dismissed as merely an obsolete former number. federalreserve.gov+5
R015-P1-S008	GPO/GovInfo — 2025 annual CFR, title 12, volume 8, part 1013. https://www.govinfo.gov/content/pkg/CFR-2025-title12-vol8/pdf/CFR-2025-title12-vol8-part1013.pdf	Fresh selected parsed text from printed 505–531, PDF indices 0–26. Selected reads: p.505/index0; pp.508–510/indices3–5; pp.521–522/indices16–17; pp.525–528/indices20–23; selected Appendix A commentary at p.531/index26. Material included §§4(g), (k)–(m), (q), realized-value comments, named-method comments, appraisal and excess-liability comments.	Edition January 1, 2025; historical annual codification. Not all 27 pages read, no full-form or pixel-review claim. Screenshot attempts did not yield usable visual inspection; two timed out. govinfo.gov+5
R015-P1-S009	Federal Reserve/CFPB — Consumer Leasing (Regulation M), 2026 threshold final rule. https://www.govinfo.gov/content/pkg/FR-2025-12-15/html/2025-22813.htm https://www.federalregister.gov/documents/2025/12/15/2025-22813/consumer-leasing-regulation-m https://www.consumerfinance.gov/rules-policy/final-rules/consumer-leasing-regulation-m-adjustments/	Fresh GovInfo HTML: 90 FR 57878–57882; summary/dates, jurisdiction/adjustment background, complete relevant part 1013 amendatory comments 2(e)-1–11, selected Board counterpart including threshold. CFPB and FederalRegister.gov landing material used as same-rule metadata/discovery. No PDF index.	Published December 15, 2025; effective January 1, 2026; 2026 threshold $73,400. Historical threshold list and no-increase mechanics read. Same final rule, not three independent authorities. govinfo.gov+4
R015-P1-S010	CFPB — 2011 republication and correction. https://www.govinfo.gov/content/pkg/FR-2011-12-19/pdf/2011-31723.pdf https://www.govinfo.gov/content/pkg/FR-2011-12-29/pdf/2011-33354.pdf https://www.federalregister.gov/documents/2011/12/19/2011-31723/consumer-leasing-regulation-m	Fresh selected parsed PDF text: 76 FR 78500–78520, especially p.78500/index0 summary/dates and p.78503/index3 operative §§1013.1–.2 material; selected parsed lines 611–777. Correction: 76 FR 81789–81790, PDF indices0–1, Regulation M portion only. FR webpage metadata only.	Historical interim rule and correction, effective December 30, 2011. No whole-PDF or pixel claim. Parsed preamble/operative threshold wording discrepancy preserved in the log below. govinfo.gov+2
R015-P1-S011	CFPB — final adoption of interim rules. https://www.govinfo.gov/content/pkg/FR-2016-04-28/html/2016-09431.htm	Fresh selected summary/dates and Authority and Issuance, item H, adopting Regulation M. 81 FR 25323–25326, selected p.25323 and item H on p.25325. HTML; no PDF index.	Effective April 28, 2016, subject to intervening amendments. Not a read of all regulations in the omnibus rule. govinfo.gov+1
R015-P1-S012	CFPB/Board regulation indexes. https://www.consumerfinance.gov/rules-policy/regulations/1013/ https://www.federalreserve.gov/frrs/regulations/regulation-m-consumer-leasing.htm	Fresh metadata/discovery only: CFPB amendment label and official-edition disclaimer; Board part index. HTML.	Publication labels, not complete effectiveness or amendment-history proof. Consumer Financial Protection Bureau+1
R015-P1-S013	eCFR — attempted current part 1013. https://www.ecfr.gov/current/title-12/chapter-X/part-1013 Observed access-gate destination: https://unblock.federalregister.gov/	Failure: no operative body obtained from this route; access gate encountered.	No bypass attempted. Agency text, official annual CFR, and final rules supplied the reads described above.
R015-P1-S014	GovInfo — attempted 2026 annual CFR. https://www.govinfo.gov/content/pkg/CFR-2026-title12-vol3/pdf/CFR-2026-title12-vol3-part213.pdf https://www.govinfo.gov/content/pkg/CFR-2026-title12-vol8/pdf/CFR-2026-title12-vol8-part1013.pdf	Failure: neither requested PDF body obtained. Printed pages/PDF indices unavailable.	Exact 2026 annual-edition verification remains unresolved; failed retrieval does not establish nonexistence.
R015-P1-S015	OLRC — attempted preliminary routes. https://uscode.house.gov/view.xhtml?edition=prelim&num=0&req=granuleid%3AUSC-prelim-title15-section1667 https://uscode.house.gov/view.xhtml?edition=prelim&num=0&req=granuleid%3AUSC-prelim-title15-section1667a https://uscode.house.gov/view.xhtml?edition=prelim&num=0&req=granuleid%3AUSC-prelim-title15-section1667b https://uscode.house.gov/view.xhtml?edition=prelim&num=0&req=granuleid%3AUSC-prelim-title12-section5519 https://uscode.house.gov/view.xhtml?edition=prelim&path=%2Fprelim%40title15%2Fchapter41%2Fsubchapter1%2FpartE	Failures: 404/page-not-found or maintenance responses; no relied-on operative bodies from these URLs.	Recovered through the exact versioned OLRC URLs in S001/S003; their displayed compilation limit remains controlling for the read record.
R015-P1-S016	OLRC — attempted unversioned routes. https://uscode.house.gov/us/usc/t15/s1667/ https://uscode.house.gov/us/usc/t15/s1667a/ https://uscode.house.gov/us/usc/t15/s1667b/ https://uscode.house.gov/us/usc/t12/s5519/	Failures: access/403/not-accessible responses.	Not substantive evidence; versioned recoveries are separately recorded.
R015-P1-S017	Other failed body routes. https://www.consumerfinance.gov/rules-policy/regulations/1013/appendix-a/ https://www.govinfo.gov/content/pkg/FR-2011-12-19/html/2011-31723.htm https://www.govinfo.gov/content/pkg/FR-2011-12-29/html/2011-33354.htm	Failures: requested bodies unavailable. Correct Appendix A route was /a/; historical rules recovered as PDFs.	Recovery did not include inspection of model-form images.
R015-P1-S018	GovInfo — 2024 annual CFR discovery. https://www.govinfo.gov/content/pkg/CFR-2024-title12-vol8/pdf/CFR-2024-title12-vol8-part1013.pdf	Discovery only: opening parsed page, printed p.504/index0.	Historical; not used as the substantive foundation or a currentness substitute.

3. Atomic claim table

Status key: S = statutory text; R = regulation; I = official interpretation; INF = expressly identified inference; U = unresolved application or source limit.

Source references such as S005 mean the complete identifier R015-P1-S005 above. The same convention applies to shortened claim and example references later.

A. Product, coverage, exclusions, and actors

Claim ID	Precise claim and area	Source pinpoint	Trigger, conditions, exceptions, and status/limits
R015-P1-C001	A consumer lease requires a bailment/lease of personal property to a natural person, primarily for personal/family/household purposes, for an initial term exceeding four months, within the applicable contractual-obligation threshold.	S001 §1667(1); S005 §1013.2(e)(1), comments 2(e)-1–3, 9–11	S/R/I. All gates matter. A purchase option does not alone remove coverage. A product label or supplied disclosure does not establish the underlying facts.
R015-P1-C002	Primary purpose is determined before or at consummation.	S005 comment 2(e)-1	I. Later changed use does not itself create an original Regulation M disclosure duty. Business/commercial/agricultural purpose is excluded; no actual purpose finding is made.
R015-P1-C003	Personal-property classification follows the law of the property’s location when offered or made available for lease; motor-vehicle classification for the vehicle disclosures also depends on applicable law.	S005 §2(l), comment 2(l)-1; comment 4(f)-1	R/I. A vehicle-like object is not classified solely by its marketing name. Actual location and classification law remain unknown.
R015-P1-C004	An initial four-month, three-month, month-to-month, or week-to-week term is ordinarily outside the consumer-lease definition, even if use continues beyond four months. A penalty for not continuing beyond four months changes that analysis.	S005 comment 2(e)-2	I. Official examples: a three-month lease continued monthly for a year remains excluded; a nominal monthly lease with deposit forfeiture for stopping before a year is treated as exceeding four months, subject to other gates.
R015-P1-C005	An organization lease is excluded even if an employee uses the property personally, a natural person guarantees it, or it is later assigned to a natural person.	S001 §1667(1)–(2); S005 §2(e)(2), (j), comments 2(e)-6, 2(j)-1	S/R/I. Organization includes corporation, trust, estate, partnership, cooperative, association, government entity/instrumentality; commentary includes joint ventures and persons operating under a business name. Actual legal capacity remains held.
R015-P1-C006	A purported lease meeting the credit-sale definition is excluded from Regulation M.	S002 §1602(h); S005 §2(e)(2), comment 2(e)-4; S006 §§226.2(a)(16), 1026.2(a)(16)	S/R/I. Relevant lease/bailment test combines substantially equivalent-or-greater compensation for property/services with automatic or nominal/no-extra-consideration ownership. Regulation Z’s definition excepts a lease terminable without penalty at any time by the consumer. Actual classification requires the agreement.
R015-P1-C007	A financed purchase may be a loan rather than a seller credit sale; neither label makes it a consumer lease.	S006 comment 2(a)(16)-2; S005 §2(e)	I/INF. A seller-arranged loan payable to the financial institution is the comment’s loan example. Regulation Z coverage, APR, usury, and loan remedies are not resolved here.
R015-P1-C008	Total contractual obligation is not necessarily total disclosed payments.	S005 comment 2(e)-3; S009 revised comment 2(e)-3	I. Includes nonrefundable amounts contractually owed to the lessor; excludes residual/purchase-option amounts and amounts collected for payment to third parties, such as taxes, licenses, and registration. No actual total has been computed.
R015-P1-C009	The 2026 threshold is $73,400, for January 1–December 31, 2026.	S009, comments 2(e)-11(xvii) for parts 213/1013	Final rule/I. “Not exceeding” includes equality. Published transition entries include $25,000 before July 21, 2011; $50,000 July 21–December 31, 2011; $51,800 for 2012; $71,900 for 2025. These are sourced historical amounts, not present eligibility findings.
R015-P1-C010	The threshold in effect at consummation controls; a lease exempt because it exceeded that threshold remains exempt despite a later annual increase.	S005 comments 2(e)-9–11; S009; S002 inflation note	I/S. Annual changes take effect January 1 using the specified CPI-W mechanism and rounding. A non-increase does not reduce the operative threshold; the commentary supplies later catch-up mechanics. Extension, replacement, and a genuinely new transaction must be distinguished.
R015-P1-C011	A lessee is a natural person entering or offered a consumer lease; a guarantor is not a lessee. A lessor regularly leases, offers, or arranges covered leases.	S005 §2(g)–(h), comment 2(g)-1	R/I. Regularity means more than five leases/offers/arrangements in the preceding calendar year or more than five in the current calendar year. Actual roles and frequency are unestablished.
R015-P1-C012	Arranger status requires the defined relationship and either compensation/actual consideration or knowledge of terms plus participation in contract preparation.	S005 comments 2(h)-1–2	I. Mere unpaid referral without document preparation is the contrary example. Intangible increased-business benefit is not the required “other consideration.”
R015-P1-C013	An assignee may be a lessor when substantially involved in the lease transaction.	S005 comment 2(h)-3	I. Assignment alone is not a universal lessor-status conclusion. The opinion cited within the comment was not independently read or used as a separate holding.
R015-P1-C014	CFPB part 1013 excludes persons within the statutory auto-dealer exclusion, subject to its functional exceptions.	S003 §5519(a)–(b), (f); S005 §1013.1(b)	S/R. Predicate: qualifying dealer predominantly engaged in sale-and-servicing or leasing-and-servicing. Exceptions apply to the extent of mortgage/real-property self-financing services; direct retail credit/leases not routinely assigned to unaffiliated finance/leasing sources; or unrelated consumer financial products/services. Dealer definition requires the statutory licensing and title/ownership/custody conditions. No actual license inquiry occurred.
R015-P1-C015	Part 213 remains material for dealers excluded from CFPB authority; it is not universally obsolete.	S003 §5519(c); S007; S009 jurisdiction discussion and dual amendments	S/R/final rule. The 2026 rule amended both parts. Section 5519’s vehicle definition includes road vehicles, recreational boats/marine equipment, motorcycles, specified recreational vehicles/campers, and other vehicles titled and sold through dealers. That jurisdictional definition does not resolve every asset’s Regulation M classification.
R015-P1-C016	Additional exclusions have specific conditions.	S005 §2(e)(3), comments 2(e)-7–8	R/I. Personal property incidental to a real-property lease is excluded only with no end-value liability except abnormal wear and no purchase option. Listed service-incidental examples are programming-reception equipment, home-security equipment, and propane tanks. Safe-deposit-box leases are excluded. No general exclusion for every bundled service is inferred.
R015-P1-C017	The official interpretation distinguishes U.S.-branch/resident transactions from specified foreign-branch transactions.	S005 comment 1-1; §2(p)	I. U.S. branches offering leases to residents of a defined “State,” including foreign nationals, are within the stated scope subject to the dealer exception. Specified foreign-branch transactions abroad are excluded. International, tribal, choice-of-law, and actual residence questions remain held.
R015-P1-C018	The statute requires advance disclosure of termination conditions and charge amounts or methods.	S001 §1667a opening and (11)	S. Applies to the lessor and covered lease; identifies both lessee- and lessor-initiated termination conditions. It is a disclosure obligation, not an independent grant of every described contractual power.

The coverage conditions, term examples, and actor distinctions above come from the operative definitions and official commentary. Consumer Financial Protection Bureau+4

B. Early termination, default, and substantive charge limits

Claim ID	Precise claim and area	Source pinpoint	Trigger, conditions, exceptions, and status/limits
R015-P1-C019	Penalties or other charges for delinquency, default, or early termination may be specified only in a reasonable amount.	S001 §1667b(b); S005 comment 4(q)-5	S/I. Complete enumerated factors: anticipated or actual harm caused by the event; difficulties of proving loss; inconvenience or nonfeasibility of otherwise obtaining an adequate remedy. Neither actual loss alone nor disclosure alone is the entire statutory test.
R015-P1-C020	Early-termination disclosure must state the conditions under which either party may terminate before the scheduled end, and the charge amount or method.	S005 §4(g)(1), comments 1–2	R/I. Charges must be reasonable. A full, accurate description not intended to mislead can comply even if complex. That disclosure standard does not adjudicate substantive reasonableness.
R015-P1-C021	Delinquency, default, and late-payment penalties or charges require disclosure of their amount or determining method.	S005 §4(q)	R. Reasonableness is expressly required. Ordinary contractual payment obligations and event-related charges must first be correctly classified.
R015-P1-C022	Default that is a condition for early termination engages both §4(g)(1) and §4(q).	S005 comments 4(g)(1)-4, 4(q)-2	I. The disclosures may be combined but need not be. A default label does not remove the early-termination disclosure requirement.
R015-P1-C023	Motor-vehicle leases require the prescribed substantially similar early-termination warning.	S005 §4(g)(2)	R. It warns of a potentially substantial charge, timing dependence, and the likelihood of a greater charge earlier in the term. It is an advance disclosure, not an event-specific default notice or cure deadline.
R015-P1-C024	Automatic collection costs or attorney fees upon default must be disclosed under §4(q); specified contingent costs need not be.	S005 comment 4(q)-1	I. The exception concerns costs contingent on actual collection-related expenditures or employment of an attorney to collect. It is a disclosure exception, not permission to recover any fee.
R015-P1-C025	Normal additional rent in a simple-interest accounting lease is treated differently from an increased default rate.	S005 comment 4(q)-3	I. Normal rent accruing because payment is late, or after termination because property is not returned, is not characterized there as a late/default charge. A rate above normal requires disclosure of the additional amount or method. Lawfulness remains separate.
R015-P1-C026	Certain extension charges belong in the delinquency-charge disclosure.	S005 comment 4(q)-4	I. Applies to extension charges exceeding rent in a simple-interest accounting lease or added separately. Section 5’s new-disclosure exceptions do not independently authorize the fee.
R015-P1-C027	These disclosure provisions do not establish a universal right to cancel, accelerate, repossess, obtain cure, or collect a particular payoff.	S001 §§1667a(11), 1667b(b), 1667e; S005 §§4(g), 4(q), 9	INF from the provisions’ function. Contractual entitlement, conditions precedent, other federal law, and state enforceability require separate authority and facts. No actual rights determination is made.

The statute’s three reasonableness considerations are cumulative considerations within one standard; they are not replaced by a calculator output or a charge’s appearance in a signed document. uscode.house.gov+2

C. Named methods, contract variables, and valuation

Claim ID	Precise claim and area	Source pinpoint	Trigger, conditions, exceptions, and status/limits
R015-P1-C028	A generally accepted method may be named for the unamortized-cost/adjusted-lease-balance portion of the early-termination calculation.	S005 comment 4(g)(1)-2	I. “Constant yield” is the official example. The lessor must still specify how that figure and every other term or figure are used in the total charge. Naming it does not supply the entire contract formula.
R015-P1-C029	Using that named-method option creates a duty to provide its written explanation on the consumer’s request.	S005 comment 4(g)(1)-2	I. Lessor is the responding actor; consumer is the requester/recipient. The explanation may instead be supplied routinely in the lease or a separate document. The comment does not require the request itself to be written.
R015-P1-C030	A request at consummation requires the written explanation then; a later request requires it within a reasonable time after the request.	S005 comment 4(g)(1)-3	I. An address or telephone number may be supplied for requests, but does not postpone the at-consummation duty. No fixed number of days is supplied.
R015-P1-C031	A named method alone does not establish its inputs, timing conventions, credits, valuation choice, ancillary charges, or resulting lawful amount.	S005 comments 4(g)(1)-2–3	INF/U. No contract method or equation was adopted here. “Actuarial” was not found in the retrieved §4 text/comments; no universal equivalence between actuarial and constant-yield terminology is asserted.
R015-P1-C032	When liability is based on unamortized cost minus realized value, the method for that difference must be disclosed. Scheduled-payment disclosures are not a universal early-termination payoff formula.	S005 comment 4(g)(1)-5; §4(f)	I/INF. The subtraction is conditional on the actual lease method. Other charge components and legal limits remain separate. No numerical illustration is supplied.
R015-P1-C033	A requested gross-capitalized-cost itemization must be supplied before consummation.	S005 §4(f)(1), comment 4(f)(1)-2	R/I. Itemize by type and amount; provide with the other required disclosures, outside the segregated disclosures. Routine provision removes the need to state the option to request it. This is a different request from a named-method explanation.
R015-P1-C034	Ordinary anticipated end-of-term charges have a distinct disclosure location.	S005 §4(d), comments 4(d)-1–3	R/I. Examples include disposition/pickup charges. Early-termination, default, deferment, and extension charges are not collapsed into this category. Residual-value liability is separately addressed in §4(k).
R015-P1-C035	A purchase option is separately disclosed and is not interchangeable with return/termination liability.	S005 §4(i), comments 4(i)-1–4	R/I. Disclose its existence or absence; end-of-term price; during-term price or method and when exercisable. Whether an option exists depends on applicable law. A mere opportunity to bid is not necessarily an option; an unspecified negotiated price or bare fair-market-value reference does not satisfy the stated certainty rule.
R015-P1-C036	Adjusted capitalized cost, residual value, and adjusted lease balance are different concepts.	S005 §2(f), (n); §4(f); comment 4(g)(1)-2	R/I. Adjusted capitalized cost is gross capitalized cost less capitalized-cost reduction, used for base payments. Residual is the end value estimated/assigned at consummation for that calculation. Adjusted lease balance is the unamortized-cost component addressed by the termination method.
R015-P1-C037	Realized value has defined alternatives, constrained by contract and applicable law.	S005 §2(m), comments 2(m)-1–2	R/I. Sold before liability determination: sale price or fair market value. Unsold then: highest offer or fair market value. Retail or wholesale valuation may be relevant. The realized amount itself is not a required advance disclosure; the applicable method/liability disclosures remain required.
R015-P1-C038	Disposition costs are not deducted in determining realized value; tax amounts may be.	S005 comments 2(m)-3–4	I. Withdrawn offers and offers from an unwilling/unable performer may be disregarded when finding the highest offer. This does not independently establish a right to a separate disposition fee.
R015-P1-C039	Open-end and closed-end describe ordinary end-of-term residual-value exposure.	S005 §2(d), (i), comment 2(d)-1	R/I. Open-end liability is based on residual minus realized value at the end. Closed-end means other than open-end. “Walk-away” does not establish zero mileage, wear, default, disposition, or early-termination charges.
R015-P1-C040	Residual-versus-realized liability, if any, must be disclosed for early termination or ordinary end.	S005 §4(k); S001 §1667a(4)–(5)	R/S. The phrase “if any” matters. This provision does not create the liability or establish that a shortfall is immediately collectible.

The distinction between an unamortized balance and the total termination charge is express in the official interpretation. The valuation alternatives likewise remain subject to the agreement and applicable law. Consumer Financial Protection Bureau+2

D. Appraisal and ordinary-expiration residual liability

Claim ID	Precise claim and area	Source pinpoint	Trigger, conditions, exceptions, and status/limits
R015-P1-C041	A residual-value provision at termination carries the statutory independent-appraisal right; Regulation M requires its disclosure when liability at early termination or end depends on realized value.	S001 §1667b(c); S005 §4(l)	S/R. Lessee pays; professional independent third party must be agreed to by both parties; appraisal is final and binding. The regulation describes the value realizable at sale.
R015-P1-C042	The lessor’s own appraisal does not substitute for disclosure of the lessee’s independent-appraisal right.	S005 comments 4(l)-2–3	I. Disclose whether wholesale or retail appraisal value is used. Binding valuation does not, by itself, resolve every separate contractual or legal challenge to the total charge.
R015-P1-C043	Regulation M gives no fixed period for exercising the appraisal right.	S005 comment 4(l)-4	I. A lessor may require appraisal within a reasonable time after termination. No actual period’s reasonableness or deadline is decided.
R015-P1-C044	Wear/use liability alone does not trigger the independent-appraisal disclosure; a closed-end lease may nevertheless need it for an early realized-value calculation.	S005 comment 4(l)-1; Appendix A comment 3	I. The official wear example compares damaged condition with reasonably maintained condition. The Appendix A comment identifies the closed-end model’s early-termination appraisal context; the image itself was not inspected.
R015-P1-C045	When expiration liability is based on estimated residual value, the estimate must reasonably approximate anticipated actual fair market value at expiration.	S001 §1667b(a), first sentence	S. This is an ordinary-expiration residual-liability rule, not an invented valuation of any vehicle.
R015-P1-C046	The statute creates rebuttable presumptions of unreasonableness and lack of good faith for the specified excess residual estimate.	S001 §1667b(a); S005 §4(m)(2)	S/R. Statutory benchmark: more than three times the average payment allocable to a month. Regulatory disclosure: more than three base monthly payments, or the stated average for nonmonthly payments. It is not a universal early-termination cap.
R015-P1-C047	Collection of the specified excess residual liability is subject to the statutory successful-action requirement and attorney-fee provision.	S001 §1667b(a); S005 §4(m)(2), comment 4(m)-2	S/R/I. The interpretation says the lessor pays the lessee’s reasonable attorney fees in all actions under this residual-liability provision, successful or not. No actual standing, filing, award, or remedy conclusion follows.
R015-P1-C048	The residual presumptions do not apply to the extent the excess is caused by physical damage beyond reasonable wear/use or excessive use.	S001 §1667b(a); S005 §4(m)(2)	S/R. Contractual wear/use standards must not be unreasonable. The causation and “to the extent” qualifications prevent treating every shortfall as either exempt or presumptively unlawful.
R015-P1-C049	A willing lessee and lessor may make a mutually agreeable final adjustment of excess residual liability after termination.	S001 §1667b(a), final sentence; S005 §4(m)(3)	S/R. This is not approval of an advance waiver, compelled settlement, or actual agreement.
R015-P1-C050	The §4(m)(2) limitation disclosure does not apply to early termination or the alternative minimum term; its presumption does not govern every end charge.	S005 comments 4(m)(2)-1–3	I. Listed other charges include disposition, excess mileage, late/default charges, and certain simple-interest unamortized balances caused by untimely payments. Their exclusion from this presumption does not make them automatically lawful.
R015-P1-C051	Open-end leases require the specified rent-and-other-charges disclosure; nonvehicle open-end leases retain a statutory end-liability cross-reference.	S005 §4(m)(1), comment 4(m)(1)-1; §4(t); S001 §1667a(10)	R/I/S. Required acquisition/disposition/assignment charges may be included; nonrequired third-party services such as voluntary insurance are excluded from this particular financing-cost disclosure. Other asset-financing analysis remains held.

The ordinary-expiration presumption, independent-appraisal right, and early-termination charge limitation are distinct protections with different triggers. uscode.house.gov+3

E. Delivery, consent, estimates, and changed transactions

Claim ID	Precise claim and area	Source pinpoint	Trigger, conditions, exceptions, and status/limits
R015-P1-C052	Required disclosures must be clear/conspicuous, in a retainable written form, together in the prescribed dated presentation, before consummation.	S001 §1667a opening/closing; S005 §3(a), (a)(1), (a)(3) and comments	S/R/I. They may be in the contract or a separate statement; permitted split presentation still requires contemporaneous delivery. Contract formation/consummation depends on state or other applicable law. Reasonably understandable and legible are the stated standards.
R015-P1-C053	The mandatory segregated group is exact, not every lease term.	S005 §3(a)(2)	R. §§4(b)–(f), (g)(2), (h)(3), (i)(1), (j), and (m)(1); only directly related/permitted information; headings/content/format substantially similar to the applicable model. Detailed §4(g)(1) and §4(q) terms are not in that enumerated group.
R015-P1-C054	One lessor may disclose on behalf of multiple lessors, and delivery may be to any primarily liable lessee.	S005 §3(c); comments 3(a)(1)-4–5, 3(c)-1	R/I. Identify all lessors/lessees and provide all required transaction disclosures. Regulation M does not itself require the lessee’s signature on the disclosure statement.
R015-P1-C055	Non-English disclosures are permitted if English is available on the lessee’s request; additional information must not obscure required disclosures.	S005 §3(a)(4), (b)	R. No fixed post-request day count is supplied here. Nonsegregated state disclosures may be included consistently with these standards.
R015-P1-C056	Proper use of an applicable model form can satisfy corresponding disclosure requirements.	S001 §1667f(b)(4); S005 Appendix A comments 1–4	S/I. This is bounded disclosure protection, not approval of every contract term or amount. No unseen form layout is certified.
R015-P1-C057	Estimates require reasonable efforts, best reasonably available information, appropriate identification, and no evasion.	S005 §3(d), comments 1–5	R/I. Open-end residual estimates must be reasonable; accepted trade publications or better experience-based information may be used. Retail/wholesale choice must fit the lessor’s general practice and be identified. No actual valuation source was queried.
R015-P1-C058	A subsequent event making an originally accurate disclosure inaccurate does not itself violate Regulation M.	S005 §3(e), comments 1–3	R/I. New disclosures may still be required by §5. Commentary about necessary/proper protective action after nonperformance is not an independent repossession or security-right grant.
R015-P1-C059	Electronic lease disclosures are subject to E-SIGN consumer-consent and other applicable requirements.	S005 §3(a); S004 §7001(c)(1)	R/S. Affirmative unwithdrawn consent; advance disclosure of paper option, withdrawal procedures/consequences/fees, consent scope, contact-update procedure, and paper-copy procedure/fee; hardware/software information; electronic consent/confirmation reasonably demonstrating access. Material system changes risking access require revised information, renewed access confirmation, and the specified fee-free withdrawal protection.
R015-P1-C060	E-SIGN does not erase substantive content/timing duties or every paper/retention protection.	S004 §7001(b), (c)(2)–(6), (d)–(f); S005 §3(a)	S/R. Preserve applicable verification, accessibility, retention/reproduction, and proximity requirements. Withdrawal operates prospectively within a reasonable processing period. The narrow rule against invalidating a contract solely for failure of §7001(c)(1)(C)(ii) does not establish disclosure compliance. Legacy-consent and oral-communication qualifications are not assumed satisfied. Electronic advertising has its own §3(a) exception; it is not blanket consent for lease disclosures.
R015-P1-C061	A covered lease satisfied and replaced by a new lease with the same consumer is a renegotiation requiring new disclosures unless §5(d) applies.	S005 §5(a); comment 5-1; comment 5(a)-1	R/I. State/other law determines satisfaction and replacement. Section 5 applies only to existing covered leases; it does not turn an originally short rental into coverage merely through continuation. A genuinely new transaction still requires its own classification. Disclosures must reflect the renegotiated legal obligation.
R015-P1-C062	An agreed continuation beyond the original end is an extension unless it is a renegotiation; extensions exceeding six months ordinarily require new disclosures.	S005 §5(b), comments 5(b)-1–3	R/I. Fixed term over six months: when agreed. Monthly continuation: start of seventh month and each seventh month thereafter. Varying terms: start of the term crossing six months beyond the original end. Disclose the extension period, upfront costs, and monthly nature where applicable.
R015-P1-C063	Section 5(d) contains six specified new-disclosure exceptions.	S005 §5(d)(1)–(6)	R. Rent reduction; deferment of one or more payments with or without fee; extension no longer than six months; substantially equivalent-or-greater-value replacement property with no other term changed; multiple-item changes where average periodic payment changes no more than 25%; agreement resulting from a court proceeding. These are disclosure exceptions, not fee/enforceability approvals.
R015-P1-C064	Assumption by another person does not require new Regulation M disclosures, with or without an assumption fee.	S005 §5(c)	R. Does not determine release of the original lessee, assignment validity, or fee lawfulness.
R015-P1-C065	Disclosures follow the full legal obligation, not an optional minimum period alone.	S005 comment 3(a)-1	I. Official example: a three-year lease permitting penalty-free termination after one year is disclosed over three years; the minimum matters to the early-termination provisions. No universal minimum term or cancellation entitlement is inferred.

These timing rules are different legal triggers. They cannot be merged into a single “lease notice deadline.” Consumer Financial Protection Bureau+5

F. Advertising, state law, and unresolved application

Claim ID	Precise claim and area	Source pinpoint	Trigger, conditions, exceptions, and status/limits
R015-P1-C066	Specified advertised payment terms trigger additional clear/conspicuous disclosures.	S001 §1667c(a); S005 §7(a), (b), (d), comments 7(a), 7(d)	S/R/I. Trigger: any payment amount, capitalized-cost reduction/other initial payment, or no-payment statement. Required terms: lease status; total due by consummation/delivery as applicable; number/amount/timing of payments; security-deposit status; conditional end residual-liability warning. Terms must actually be usually/customarily available. Advertising scope is not limited simply to contractual lessors.
R015-P1-C067	Catalog/electronic and merchandise-tag alternatives have specific conditions.	S005 §7(c), (e), comments 7(c)-1–2, 7(e)-1	R/I. A triggering term must clearly direct to the required table/schedule; a direct electronic link is an example. Separate flyers in one envelope are not automatically one multipage ad. A merchandise tag may refer to a prominently posted in-business sign/display containing the required table; the alternative includes multiple-item leases.
R015-P1-C068	TV/radio alternative disclosure requires core on-air terms plus the specified telephone or print route.	S005 §7(f)(1)–(2), comments 7(f)(1)-1–4	R/I. On-air §§7(d)(2)(i)–(iii); toll-free number with explanation of its purpose, or identified general-circulation publication/date and required information. The regulation specifies publication beginning at least three days before and ending at least ten days after broadcast. Number available at least ten days beginning broadcast; information oral or written on request. Nonlocal toll-free/reverse-charge and early recorded-menu access conditions are explained in comments.
R015-P1-C069	The statutory radio alternative must be kept distinct from the regulation’s TV/radio wording.	S001 §1667c(c)(1)–(3)	S. Statute expressly includes total scheduled payments in addition to number/amount/dates; states the publication window and name/dates; requires the number by broadcast, maintained at least ten days, information to callers, and writing if requested. No advertised campaign or reconciliation of every historical regulatory modification is adjudicated here.
R015-P1-C070	A lease percentage rate is not a validated APR.	S005 §§4(s), 7(b)(2), comments 4(s)-1, 7(b)(2)-1	R/I. Required notice says the percentage may not measure overall financing cost; “annual percentage rate,” “annual lease rate,” or equivalent is prohibited. Rate is outside segregated disclosures; advertising notice must be proximate, not an asterisk elsewhere, with the prescribed prominence limit.
R015-P1-C071	State consumer-lease law is preserved except to the extent of inconsistency; greater protection is not treated as inconsistent.	S001 §1667e(a)–(b); S005 §9(a)–(b)	S/R. A state official may seek a preemption determination. State-class exemption requires substantially similar/greater protection and adequate enforcement; no exemption extends to the listed federal civil-liability provisions. No actual state exemption or state restriction was surveyed.
R015-P1-C072	Avoided costs, mitigation, reletting, and disposition evidence may matter to a reasonableness inquiry, but are not additional enumerated federal factors in §1667b(b).	S001 §1667b(b); S005 comments 2(m)-2–4, 4(q)-5	INF. They may inform anticipated/actual harm or other applicable law. This report does not establish a universal federal duty to relet, a particular disposition procedure, or an automatic avoided-cost deduction.
R015-P1-C073	Neither a lawful amount nor a complete currentness/remedy conclusion can be derived from this record.	S001–S017; application holds below	U. Contract, charge classification, variables, consent, termination event, value evidence, jurisdiction, state law, and complete intervening history remain unresolved. No actual liability, standing, collection, filing, or remedial outcome is decided.

The advertising exceptions are presentation-specific; they do not substitute for the disclosures required before entering a lease. State law remains a separate enforceability layer. Consumer Financial Protection Bureau+4

4. Provision-specific comparison

Event or issue	Applicable federal disclosure track	Separate substantive constraint or right	What the provision does not establish	Claims
Lessee seeks voluntary early termination	§4(g)(1): conditions, amount/method; §4(g)(2) motor-vehicle warning; §§4(k), (l) if applicable	§1667b(b) reasonableness; conditional appraisal right	A universal right to return property and end all payments, a universal payoff, or a universal notice period	C019–C023, C027–C032, C040–C043
Lessor terminates for default	Both §§4(g)(1) and 4(q); may combine	Same reasonableness standard; other applicable law remains relevant	Acceleration, repossession, cure, sale, or deficiency authority	C021–C027
Late payment without termination	§4(q), with simple-interest distinctions	Reasonableness for qualifying penalties/charges	That every normal rent accrual is a penalty, or every disclosed late fee is enforceable	C019, C021, C024–C026
Named “constant yield” method	Full explanation of how balance and other terms produce total charge; written method explanation on request	Reasonableness still separate	The contract’s rate, time basis, credits, realized value, ancillary fees, or total lawful amount	C028–C032
Ordinary end of closed-end lease	Applicable ordinary end charges, purchase option, other required terms	Contract/state limits; appraisal only if its actual trigger exists	Zero liability for every charge, or ordinary-end residual risk identical to open-end risk	C034–C044
Ordinary end of open-end lease	§§4(k), (l), (m)	Reasonable original residual estimate; specified presumptions, excess-collection conditions, fee provision, and damage/use qualifications	That every shortfall is immediately collectible or that every end charge receives the three-payment presumption	C039–C051
Early termination of a closed-end lease using realized value	§§4(g), (k), (l), depending on actual method	Conditional independent appraisal; §1667b(b)	That “closed-end” eliminates early-termination valuation exposure	C028–C044
Purchase instead of return	§4(i) purchase option and price/method/timing	Existence and enforceability under contract/applicable law	That the purchase price equals the return charge or lease balance	C035–C036
Extension or replacement	§5 classification and exceptions; §4(q) extension-fee disclosure where applicable	Existing substantive limits continue to matter	That no new disclosure means a new fee is lawful; that every continuation is a new lease	C026, C061–C065
Electronic delivery	§3(a) plus E-SIGN	Consent/access/retention and preserved content/timing rules	That electronic signature alone proves compliant disclosure delivery	C052, C059–C060

Requests, recipients, and timing must remain separate

Trigger/request	Responsible actor → recipient	Required response or availability	Timing stated in the read authority	Boundary
Named method used; consumer requests explanation at consummation	Lessor → requesting consumer	Written explanation of named method	At that time	Optional contact address/number does not defer it.
Same request after consummation	Lessor → requesting consumer	Written explanation	Within a reasonable time after request	No fixed day count; request itself need not be written under the comment.
Lessee requests gross-capitalized-cost itemization	Lessor → lessee	Separate written itemization by type/amount	Before consummation, with the other disclosures	Outside segregated disclosures; routine delivery is an alternative.
Realized-value liability triggers appraisal right	Lessee obtains; independent professional agreed by both parties	Professional appraisal at lessee’s expense	No specified regulatory period; lessor may require reasonable time after termination	Lessor’s appraisal is not the substitute; wear-only liability differs.
Non-English disclosure; lessee requests English	Lessor → lessee	English disclosures available	No numerical period specified in §3(a)(4)	Not a substitute for the general advance-disclosure duty.
Advertising telephone alternative; consumer requests writing	Lessor → caller/requesting consumer	Required advertising information orally, or in writing on request	Telephone available for the specified broadcast-related period	The named-method “reasonable time” comment is not imported into this separate rule.
Consumer withdraws electronic consent	Provider processes consumer withdrawal	Prospective withdrawal under E-SIGN; paper procedures governed by required disclosures	Reasonable period after receipt	Does not retroactively invalidate previously provided records under the statute.
State seeks preemption determination or class exemption	Authorized state official/state → Bureau	Formal determination/application process	No actual request or filing made here	This is not a lessee-specific permission or remedy process undertaken by this report.

Sources: S004; S005 §3(a)(4), §4(f)(1), comments 4(g)(1)-2–3 and 4(l)-4, §§7(f), 9. Consumer Financial Protection Bureau+5

5. Blank generic document-audit worksheet

All entry fields below are intentionally blank. The worksheet identifies evidence categories; it does not authorize retrieving private contracts, records, identifiers, or valuations.

Audit field	What must be distinguished or established	Claim links
Legal product classification	Lease/bailment, credit sale, financed purchase/direct loan, rental, or unresolved	C001, C006–C007
Primary purpose at consummation	Personal/family/household versus agricultural/business/commercial; label versus evidence	C002
Property classification and relevant jurisdiction	Personal property under applicable location law; separate motor-vehicle classification	C003
Initial contractual term	Initial term versus actual use; continuation penalties or deposit forfeiture	C004
Lessee legal capacity	Natural person, organization, guarantor, later assignee	C005, C011
Lessor/arranger/assignee roles	Contract role, regularity, compensation, document participation, substantial involvement	C011–C013
Dealer jurisdictional conditions	Statutory dealer definition, predominant business, functional exceptions, assignment practice	C014–C015
Incidental-lease exclusions	Both real-property-incidental conditions; only applicable service examples	C016
Geographic scope	Relevant branch, residence, defined State; unresolved cross-border law	C017
Contract formation/consummation	Applicable legal formation event and governing threshold year	C009–C010, C052
Total contractual obligation	Nonrefundable lessor payments; excluded residual, option price, third-party amounts	C008
Applicable threshold and transition	Exact consummation-year amount; prior exemption; replacement versus continuation	C009–C010, C061
Contract/disclosure version	Agreed terms, supplements, amendments, and relationship between documents	C018, C052
Termination event and initiating actor	Voluntary return, default action, agreed termination, ordinary expiration, purchase	C020–C027, C034–C035
Contractual termination conditions	Permitted events, minimum term, required notice, conditions precedent	C020, C027, C065
Disclosure timing and retainability	Before consummation; together; dated; clear/conspicuous; retainable	C052
Segregated versus other disclosure location	Exact §3(a)(2) list and permitted related information	C053
Multiple-party delivery	All parties identified; disclosure provider; primarily liable recipient	C054
Language and requested English version	Original language and request/availability evidence	C055
Electronic consent and access	Affirmative consent, access demonstration, scope, hardware/software, withdrawal, paper copy	C059–C060
Termination method and incorporation	Full agreed method; named standard; version or definition incorporated	C028–C032
Method variables and timing conventions	Contract-specific balance inputs, accrual basis, payment timing, credits, offsets	C031–C032
Capitalized costs and itemization	Gross cost, reductions, adjusted cost; requested itemization	C033, C036
Residual value	Original assigned estimate, valuation basis, role in scheduled payments versus termination	C036, C045, C057
Realized value	Sold/unsold at liability determination; sale price/highest offer/fair market value	C037
Value adjustments	Disposition-cost exclusion from realized value; taxes; disregarded offers	C038
Separate charge categories	Rent, late/default penalty, termination charge, disposition, mileage, wear, collection fee	C019–C026, C034, C050
Reasonableness: anticipated/actual harm	Evidentiary basis and causal connection; no automatic actual-loss-only test	C019
Reasonableness: proof difficulties	Stated difficulty of proving loss	C019
Reasonableness: alternative remedy	Inconvenience/nonfeasibility of otherwise obtaining adequate remedy	C019
Avoided costs/mitigation/reletting/disposition	Factual relevance versus an actually sourced contractual/state-law duty	C072
Named-method request and response	At-consummation versus later request; written response; elapsed-time facts	C029–C030
Appraisal trigger and process	Realized-value liability, agreed independent professional, expense, retail/wholesale basis	C041–C044
Ordinary-end residual exposure	Open/closed-end; original estimate; actual realized value; applicable presumption	C039, C045–C050
Damage/use causation	Reasonable standards and extent to which damage/use caused residual excess	C048
Post-termination adjustment	Timing, willingness, and mutual agreement	C049
Extension/renegotiation/assumption	Replacement under applicable law; duration; exceptions; new-disclosure basis	C061–C065
Advertising cross-reference, if material	Actual trigger, medium, alternate route, required information and availability	C066–C070
State/other-law restrictions	Applicable law, conflict analysis, contract enforceability, unresolved exemption	C071
Remedies and source-history gaps	No actual standing, deadline, filing, damages, or collection conclusion; version gaps	C073

6. Clearly hypothetical qualitative failure branches

These are stipulated analytical situations, not invented people, contracts, vehicles, or identifiers. “Evidence needed” describes a category for an audit; no record request or search is authorized or performed.

Example	Stipulated facts	Statute/regulation-specific result versus unknown	Evidence needed	Adverse misclassification
R015-P1-E01 — Financed purchase	A document called a lease requires substantially equivalent compensation and nominal-price ownership; penalty-free termination is unavailable.	Credit-sale exclusion must be tested under C006. If it is a loan instead, C007 applies. Actual Regulation Z obligations remain unknown.	Operative ownership, consideration, termination, and creditor terms	Applying Regulation M to a credit transaction and overlooking credit-law questions
R015-P1-E02 — Short rental	Initial term is month-to-month; there is no penalty requiring continuation beyond four months.	Later long use alone does not satisfy the initial-term condition.	Initial term and all continuation/forfeiture provisions	Treating elapsed possession as the contractual initial term
R015-P1-E03 — Business purpose	Primary use at consummation is stipulated to be business use.	Consumer-purpose gate fails; later personal use does not retroactively establish initial coverage.	Contemporaneous purpose and actual agreement category	Assuming a natural-person signature proves consumer purpose
R015-P1-E04 — Threshold uncertain	Contractual-obligation components or consummation year are unknown.	Coverage remains unresolved; the 2026 amount cannot be applied automatically.	Year, nonrefundable obligations, excluded components, prior exemption/replacement facts	Using vehicle price or current threshold as a universal shortcut
R015-P1-E05 — Covered voluntary early termination	Coverage is stipulated; the lessee wishes to return before scheduled expiration.	§§4(g), potentially (k)/(l), and §1667b(b) matter. A right to terminate and the charge remain contract/state questions.	Termination conditions, complete method, charge justification	Treating return as automatic cancellation of all liability
R015-P1-E06 — Lessor default action	Coverage and default-triggered early termination are stipulated.	Both §4(g)(1) and §4(q) disclosures apply. Repossession, cure, acceleration, and collection authority remain unknown.	Default/termination provisions and separately applicable law	Treating disclosure as a grant of repossessory power
R015-P1-E07 — Named method, missing variables	Disclosure says “constant yield” but omits how the resulting balance enters total charges.	Naming the method does not satisfy the required full total-charge description by itself.	Incorporated method and every operative variable/charge relationship	Accepting a recognized name as a universal payoff formula
R015-P1-E08 — Written explanation request	A consumer requests the named-method explanation at consummation; alternatively, after consummation.	First branch: writing then. Second: writing within reasonable time. No fixed day count follows.	Request timing and actual written response	Deferring an at-consummation request or inventing a numerical deadline
R015-P1-E09 — Disclosed charge, reasonableness unknown	A charge is clearly disclosed but its harm/loss/remedy basis is unknown.	Disclosure compliance does not resolve §1667b(b).	Evidence addressing all three statutory considerations	Treating disclosure or signature as substantive approval
R015-P1-E10 — Ordinary end versus early termination	A residual shortfall arises, but event classification is disputed.	Ordinary-expiration presumptions cannot simply be applied to early termination; neither branch proves immediate collectibility.	Original end, event/termination terms, liability basis, wear/use causation	Applying a three-payment cap to every early termination
R015-P1-E11 — Residual realization unknown	A charge uses realized value, but sale status and valuation basis are unknown.	Permitted alternatives depend on whether disposition preceded liability determination and on contract/law.	Value method, sale/offer status, tax/cost treatment	Treating assigned residual, sale proceeds, and net proceeds as interchangeable
R015-P1-E12 — Extension versus renegotiation	A covered lease continues after its scheduled end; whether it was satisfied/replaced is unknown.	Classify under §5 before applying the six-month timing rules or exceptions.	Legal replacement/continuation terms, durations, changes, exception conditions	Calling every continuation a new lease, or every replacement an exempt extension
R015-P1-E13 — Electronic delivery unknown	Disclosures were emailed or presented online; consent/access evidence is absent.	E-SIGN compliance remains unresolved. An electronic signature alone does not establish it.	Consent disclosures, affirmative consent/access confirmation, retainable record	Importing the electronic-advertising exception into contract delivery
R015-P1-E14 — State restriction	Federal disclosures appear complete, but applicable state law has not been read.	Enforceability remains unresolved; greater state protection is not automatically displaced.	Applicable jurisdiction and published state authority in a separately bounded review	Treating federal disclosure compliance as preemption of all restrictions
R015-P1-E15 — Organization lessee	An organization leases property for an employee’s personal use; an individual guarantees it.	Organization exclusion remains; the guarantee does not make the guarantor a Regulation M lessee.	Actual contracting capacity and role	Treating personal use by an employee as a natural-person lease
R015-P1-E16 — Closed-end appraisal distinction	A closed-end lease uses realized value for early termination; alternative branch involves only excess wear.	First branch may trigger §4(l); wear-only liability does not by itself trigger it.	Actual liability formula and appraisal language	Denying all closed-end appraisal rights or granting them for every wear charge
R015-P1-E17 — Collection-fee distinction	One fee is automatic on default; another is contingent on collection expenditure.	First must be disclosed under §4(q); second fits the specified disclosure exception if its conditions hold. Neither is thereby approved for collection.	Fee trigger and contractual conditions	Treating a disclosure exception as substantive fee authorization
R015-P1-E18 — Normal versus increased rent	A simple-interest lease continues normal rent after late payment; alternative branch increases the accrual rate.	Normal accrual has the comment’s distinct treatment; above-normal additional charge requires amount/method disclosure.	Normal rate, changed rate, event and accounting terms	Calling every accrual a default penalty, or hiding an increased rate as ordinary rent
R015-P1-E19 — Dealer jurisdiction unresolved	An actor is described commercially as a dealer; statutory dealer and assignment-practice conditions are unknown.	Part 1013 versus retained part 213 jurisdiction remains unresolved.	Legal role and statutory business-line predicates, without any identifier/license query here	Assuming all dealer leases are outside federal Regulation M or that part 213 is obsolete

7. Granular coverage table

Status: Answered means the generic federal rule was established within the stated source bounds. Partial means the rule is established but a specified authority/version issue remains. Unresolved means an application fact or legal classification is deliberately not decided. Excluded means outside this component or unnecessary.

For fact-dependent rows, the permissible next step in this assignment is to retain the blank audit field. The table does not authorize actual-record collection. Any later contract illustration must use a public generic contract and retain unresolved binding/applicability status.

Assigned subquestion or major branch	Status and claim/example links	Exact missing authority or facts	Next bounded permissible investigation
Q1 — Consumer-lease definition	Answered as law; application unresolved. C001	Actual product, purpose, term, threshold, actors	Retain gates in worksheet
Q1 — Lease versus credit sale	Answered/Unresolved. C006; E01	Complete ownership, consideration, and termination terms	Public generic form only if needed to illustrate classification
Q1 — Financed purchase/direct loan	Answered as distinction; excluded credit analysis. C007; E01	Actual loan/credit-sale classification and credit law	Preserve vehicle-credit parent hold
Q1 — Consumer purpose	Answered/Unresolved. C002; E03	Purpose before/at consummation	Retain blank; no purpose decision
Q1 — Personal property and motor vehicle	Answered/Unresolved. C003	Situs and applicable classification law	Preserve state/property hold
Q1 — Initial term and short rental	Answered/Unresolved. C004; E02	Initial obligation and continuation penalty	Retain exact term/penalty fields
Q1 — Organization and guarantor exclusions	Answered/Unresolved. C005, C011; E15	Contracting capacity and actual roles	Retain role fields
Q1 — Total contractual obligation	Answered/Unresolved. C008; E04	Included/excluded contractual amounts	No amount computation
Q1 — Actual annual threshold	Answered for 2026. C009	Actual consummation year	Use the year-specific published rule if a later bounded assignment requires another year
Q1 — Transition and continuing exemption	Answered/Unresolved. C010	Original coverage and whether later transaction is genuinely new	Keep continuation/replacement separate
Q1 — Lessor frequency and lessee status	Answered/Unresolved. C011	Frequency and actual contractual role	No actor/roster inquiry
Q1 — Arranger and assignee	Answered/Unresolved. C012–C013	Compensation, preparation, substantial involvement	Retain role predicates; no opinion expansion necessary now
Q1 — Auto-dealer exclusion/exceptions	Answered/Unresolved. C014; E19	Statutory dealer and functional conditions	No license/entity query
Q1 — Continuing Board part 213	Answered; annual-edition gap retained. C015	2026 annual part 213 body unavailable	Reattempt only a lawful public official source if necessary
Q1 — Incidental real-property/service exclusions	Answered as conditions. C016	Whether any actual arrangement meets them	Preserve other-asset/real-property hold
Q1 — Geographic scope	Answered at comment level; broader law excluded. C017	Branch, residence, choice-of-law facts	Preserve country/tribal/international hold
Q2 — Complete statutory reasonableness standard	Answered. C019; E09	Actual charge and evidentiary justification	No actual reasonableness determination
Q2 — Both parties’ early-termination conditions	Answered. C018, C020; E05	Agreed termination rights and conditions	Retain contract field
Q2 — Default/delinquency disclosure	Answered. C021	Actual charge classification	Retain charge categories
Q2 — Default triggering early termination	Answered. C022; E06	Actual trigger and disclosure package	Keep both provisions in audit
Q2 — Vehicle early-termination warning	Answered. C023	Actual supplied warning/presentation	No unseen-form compliance finding
Q2 — Collection-cost exception	Answered. C024; E17	Automatic versus contingent trigger	Keep disclosure and fee entitlement separate
Q2 — Simple-interest and extension charges	Answered. C025–C026; E18	Accounting terms and charge/rate	No calculation
Q2 — Cancellation, cure, acceleration, repossession	Federal disclosure boundary answered; rights unresolved/excluded. C027	Contract and other federal/state authority	Preserve parent enforcement holds
Q3 — Named-method allowance	Answered. C028; E07	Actual method incorporation and total-charge relationship	Generic public method/contract only if needed
Q3 — Written explanation and timing	Answered. C029–C030; E08	Request/response timing and content	No actual deadline calculation
Q3 — Actuarial/constant-yield equation	Unresolved and unnecessary to instantiate. C031	Actual incorporated equation and assumptions	Do not invent a calculator or equivalence
Q3 — Balance versus payment calculation	Answered distinction. C032, C036	Actual balance variables/credits	Preserve formula/application hold
Q3 — Capitalized-cost itemization request	Answered. C033	Request and delivery facts	Keep separate from method request
Q3 — Ordinary charges and purchase option	Answered. C034–C035	Actual option, price/method, ordinary charges	Preserve contract/state hold
Q3 — Realized value alternatives/adjustments	Answered. C037–C038; E11	Sale/offer/FMV facts; agreed basis	No vehicle-value or disposition-record inquiry
Q3 — Open/closed-end and conditional liability	Answered. C039–C040; E10	Actual end-liability allocation	No immediate-debt conclusion
Q3 — Appraisal right and exceptions	Answered. C041–C044; E16	Actual trigger, valuation basis, agreed professional, timing	Preserve blank appraisal fields
Q3 — Ordinary-expiration residual protections	Answered. C045–C050; E10	Estimate, realization, wear/use causation, event type	No court filing/remedy advice
Q3 — Other-asset residual cross-reference	Boundary answered; broader component excluded. C051	Other asset’s complete legal framework	Preserve other-asset financing
Q4 — Timing/form/clear conspicuousness	Answered. C052	Actual formation/delivery/presentation	No unseen-document compliance finding
Q4 — Exact segregation and multiple parties	Answered. C053–C054	Actual package and recipient status	Retain presentation/role fields
Q4 — Language/model/additional information	Answered. C055–C056	Actual request and form use	Pixel review only if a later authorized generic form review needs it
Q4 — Estimates and later events	Answered. C057–C058	Reasonable-effort evidence and subsequent event	No valuation inquiry
Q4 — Electronic delivery/consent	Answered framework; application unresolved. C059–C060; E13	Consent/access/withdrawal/retention facts	Retain electronic-delivery fields
Q4 — Renegotiation and initial coverage	Answered. C061, C065; E12	Satisfaction/replacement under applicable law	Do not equate continuation with a new contract
Q4 — Extension timing and all six exceptions	Answered. C062–C063; E12	Durations and exception predicates	No actual calendar computation
Q4 — Assumption	Answered disclosure rule only. C064	Release/assignment/fee enforceability	Preserve contract/state holds
Q4 — Necessary advertising cross-reference	Answered rule/text comparison; campaign compliance excluded. C066–C070	Actual medium, wording, availability; complete historical reconciliation if consequential	No ad creation/publication; further generic rule history only if necessary
Q4 — Final-rule dates/history	Answered within selected reads. S009–S011; C073	Complete intervening amendment history	Official section-history/annual-CFR follow-up only
Q4 — Current official codification	Partial. S008, S013–S016	Unretrieved 2026 annual editions/eCFR; post-compilation session-law audit	Preserve explicit currentness gap
Q4 — Guidance withdrawal	Excluded as unnecessary	No circular/bulletin/advisory relied upon	Check official register only if such guidance is later relied upon
Q4 — Published opinions	Excluded as unnecessary	No consequential opinion relied upon	No case-record or docket search
Q5 — Provision comparison and blank audit	Answered as generic tools	All actual application fields remain blank	Retain as generic worksheet
Q5 — Required failure branches	Answered: E01–E19	No actual facts assumed	Use only as qualitative analytical examples
Q5 — Avoided costs/mitigation/reletting	Answered as inference boundary. C072	Any actual contract/state duty and supporting facts	Preserve state/contract gap
Q5 — State enforceability and remedies	Federal boundary answered; substantive application excluded. C071–C073; E14	Applicable state law, actual claim/remedy prerequisites	Separately bounded published-law component only
Parent — Other A015 dimensions and acceptance	Excluded/preserved	Complete parent work remains outstanding	No parent/component/operations/publication acceptance

8. Read and failure log

Log item	What was actually read or attempted	Consequence for this report
Fresh statutory reading	Complete necessary CLA operative clauses, credit-sale definition, annual-adjustment note, dealer exclusion, and E-SIGN clauses were read from official OLRC bodies.	No reliance on search snippets as statutory body text.
Regulation and interpretation reading	Necessary operative sections and official comments were read in CFPB’s integrated and selected standalone presentations; selected Board counterparts were also read.	Statute, regulation, and interpretation remain separately labeled. Duplicate presentations are not independent review.
Preliminary/unversioned OLRC failures	Specified preliminary and unversioned URLs returned failures/maintenance/access errors.	Versioned official bodies were used; their displayed October 7 compilation limit remains explicit.
eCFR access failure	Current part 1013 route encountered an access gate.	No workaround; no claim to have read the current eCFR body through that route.
Annual-edition failure	Requested 2026 part 1013 and part 213 PDFs were unavailable.	The 2025 annual text is historical; the 2026 threshold comes from the actual effective final rule. Full 2026 annual-codification confirmation remains open.
PDF read bounds	Selected parsed text from 2025 CFR and 2011 rules, at pages/indices listed in S008/S010.	Parsed text is not pixel inspection. No complete-PDF or unseen-form claim.
Screenshot attempts	Selected 2025 CFR screenshot requests produced unusable placeholders; requests for indices 21 and 23 timed out.	No screenshot was counted as a successful visual read.
Appendix route failure	/appendix-a/ failed; /a/ supplied commentary.	Only Appendix A comments were relied upon, not unseen model-form images.
Historical HTML failures	2011 GovInfo HTML routes failed; PDFs were obtained.	Historical dates and operative definitions were read from selected PDF text.
Historical parsed-text discrepancy	The retrieved 2011 preamble rendering used “exceeds” in a coverage description, while operative §1013.2(e)(1) uses not exceeding.	The operative clause, current agency body, and 2026 final-rule commentary control this report’s coverage statement. No pixel/errata investigation of the preamble discrepancy is claimed.
Terminology check	“Actuarial” was not found in the retrieved §4 text/comments; the named-method comment expressly uses constant yield as an example.	No inferred universal actuarial equation or synonym rule.
Search/discovery material	Indexes, search results, and nonprimary summaries helped locate primary bodies but were not used as operative law.	No FAQ, vendor calculator, private contract, or headnote foundation.
Contracts and calculations	No contract was needed or read; no worked charge/deadline illustration was undertaken.	No unsupported assumption set, payoff validation, APR validation, or individualized outcome.
Guidance and opinions	No circular/bulletin/advisory or separately read published opinion relied upon.	No withdrawal-register or later-case-history verification claimed; no docket/status inquiry.

9. Question → claim/source crosswalk

User question	Principal claims	Source families	Visible deliverable
1. Definitions, scope, actors, term, purpose, threshold, exclusions	C001–C018	S001–S003, S005–S007, S009	Coverage claim table; worksheet coverage fields; E01–E04, E15, E19
2. Complete charge limitation; early/default disclosures; rights boundaries	C019–C027	S001, S005, S007–S008	Charge table; event comparison; E05–E06, E09, E17–E18
3. Named methods, explanation requests, values, appraisal, ordinary end	C028–C051	S001, S005, S007–S008	Method/valuation and residual tables; request table; E07–E11, E16
4. Timing, form, electronic delivery, changed transactions, ads, currentness	C052–C071, C073	S001, S004–S017	Delivery/change table; currentness/source/read logs; E12–E14
5. Comparison, blank audit, qualitative failure branches, gaps	C001–C073	All relied-on source families	Sections 4–8, including nineteen branches
Owner limits, no actual determinations, no parent closure	C073; parent holds below	Research execution record and bounded source ledger	Self-check and explicit holds

10. Self-check — not independent review

This is a self-check of this investigation, not independent review or acceptance.

Check	Result
Necessary charge statute read completely	§1667b(a)–(c) read; all §1667b(b) factors included
Necessary scope and exclusion conditions preserved	Product, purpose, personal property, initial term, threshold, organization, actor, dealer, incidental-lease, and geographic distinctions retained
Actual applicable annual threshold sourced	2026 final rule read; $73,400 and effective period stated; historical and consummation predicates retained
Disclosure separated from substantive validity	Explicit throughout claims and comparisons
Named method separated from total formula	Constant yield limited to the named balance-method allowance; contract variables unresolved
Requests and timing separated	At-consummation explanation, later reasonable-time explanation, itemization, appraisal, English, electronic withdrawal, and advertising requests distinguished
Ordinary expiration separated from early termination	Three-payment presumption not treated as a universal early-termination cap
Appraisal boundaries preserved	Realized-value trigger, independence/agreement/expense, retail-wholesale basis, reasonable-time qualification, and wear-only exclusion included
All six §5(d) exceptions included	Included in C063
Electronic delivery not assumed compliant	Consent, access, retention, content/timing, and narrow statutory exceptions preserved
Currentness limitations visible	2026 annual/eCFR failures and statutory compilation lag explicitly retained
Source-read integrity	Primary bodies read; PDF text not called pixels; unseen forms not certified
Actual persons/records/identifiers	No actual or invented identifier queries or entries
External actions	No contacts, filings, purchases, account changes, site publication, or record requests
Foundation	No prior saved report or unreviewed earlier component used
Outcome limits	No actual amount, deadline, eligibility, liability, standing, remedy, or filing decision

11. Specific parent holds

The following remain unresolved and preserved for the parent assignment:

Actual application facts: purpose, product, property, initial term, threshold year and components, actor roles, contract, disclosures, consent, termination/default event, agreed method and variables, residual and realized value, charges, notice/request history, jurisdiction, and all application facts.
Vehicle-credit and property rights: origination, APR, usury, title, security interests, priority, acceleration, repossession, disposition/sale, surplus, deficiency, and any actual enforcement rights.
Related products and later dealings: insurance, GAP, warranties, hardship, settlement, credit reporting, collections, limitations, remedies, litigation, tax, and insolvency.
Other assets and other law: all unaddressed asset financing; state, local, tribal, international, and country law; actual choice-of-law and enforceability.
Source and contract gaps: complete intervening amendment/session-law/case-history audit; unavailable 2026 annual codifications; any actual contract’s binding terms; any public generic contract’s binding or factual applicability.
Acceptance: no component, parent, operations, or publication acceptance is stated.

END R015 PASS-01

Every captured table

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

How to read the research →

Captured table 01

Material · Version or effective predicate actually established · Treatment in this report · 10 data rows

Material	Version or effective predicate actually established	Treatment in this report	Remaining limit
Consumer Leasing Act, 15 U.S.C. §§1667–1667f, selected sections	OLRC bodies displayed laws in effect through Public Law 119-120, October 7, 2026, including where the literal URL contains 119-118. The CLA’s original effective-date note specifies one year after March 23, 1976.	Statutory text, distinguished from regulations and interpretations.	The compilation banner does not establish a complete session-law review through October 27, 2026.
Annual inflation authority	Pub. L. 111-203 §1100E(b), reproduced in the §1603 inflation note, directs annual adjustment on and after December 31, 2011.	Statutory authority for annual adjustments; not a substitute for the applicable year’s published amount.	No independent reconstruction of every historical inflation calculation.
CFPB Regulation M republication	76 FR 78500, December 19, 2011; effective December 30, 2011. A December 29 correction supplied the 2012 threshold entry.	Historical transfer/republication and correction, read within the bounds recorded below.	The original republication is not treated as the complete current regulation.
CFPB adoption of interim rules	81 FR 25323, April 28, 2016; effective April 28, 2016. The issuance provision adopted the Regulation M interim rule subject to intervening amendments.	Historical final-rule status.	Selected Regulation M adoption language read; not every regulation addressed by that omnibus rule.
2025 annual CFR	Title 12, volume 8, part 1013, January 1, 2025 edition, printed pp. 505–531.	Official historical annual codification used to check selected operative clauses and commentary.	It is not the 2026 annual edition.
2026 threshold final rule	90 FR 57878–57882, published December 15, 2025; effective January 1, 2026; threshold $73,400 for January 1–December 31, 2026.	Final rule and official-interpretation amendment, including both parts 213 and 1013.	Not a 2027 threshold determination.
Agency regulation webpages	CFPB pages identify their versions as current; the part index identifies January 1, 2026 as the most recent amendment. Board materials retain part 213 for the relevant dealer jurisdiction.	Official publisher presentations of the working operative bodies.	An agency “current” label is not an official annual-CFR, List of CFR Sections Affected, session-law, or complete litigation-history audit. CFPB itself distinguishes its web presentation from the official legal edition.
eCFR and 2026 annual CFR	eCFR access encountered an access gate; the attempted 2026 annual part 1013 and part 213 PDFs were not retrievable.	Explicit retrieval gaps.	No inference that the provisions do not exist, were repealed, or have no amendments.
Proposed, future-effective, stayed, vacated, repealed, or withdrawn materials	No such material was used as an operative substitute.	Separate from the operative bodies and historical final rules above.	A complete intervening amendment, stay, vacatur, and later judicial-history audit remains unestablished.
CFPB circulars, bulletins, advisories; published opinions	None relied upon.	No guidance-based or opinion-based holding asserted.	The Withdrawn Guidance register was not needed or checked for this report. No implication that withdrawal repeals a statute or regulation. A case citation appearing inside an official comment was not treated as a separately read opinion.

Captured table 02

Source ID · Issuer, title, and complete literal HTTPS URLs · Exact clauses/comments and read bounds · 18 data rows

Source ID	Issuer, title, and complete literal HTTPS URLs	Exact clauses/comments and read bounds	Version/effective predicate; status and limits
R015-P1-S001	OLRC — Consumer Leasing Act statutory family. https://uscode.house.gov/us/usc/119-118/t15/s1667/ https://uscode.house.gov/us/usc/119-118/t15/s1667a/ https://uscode.house.gov/us/usc/119-118/t15/s1667b/ https://uscode.house.gov/us/usc/119-118/t15/s1667c/ https://uscode.house.gov/us/usc/119-118/t15/s1667e/ https://uscode.house.gov/us/usc/119-118/t15/s1667f/	Fresh complete operative bodies: §1667 definitions (1)–(5); §1667a opening, (1)–(11), closing; §1667b(a)–(c); §1667c(a)–(c); §1667e(a)–(b); §1667f(a)–(b). Selected effective-date/editorial notes also read. HTML; no PDF index.	Displayed compilation through P.L. 119-120, October 7, 2026. Statutory text and editorial notes distinguished. No §1667d remedies investigation or complete subsequent session-law audit. uscode.house.gov +5
R015-P1-S002	OLRC — TILA credit-sale definition and inflation authority. https://uscode.house.gov/us/usc/119-118/t15/s1602/ https://uscode.house.gov/us/usc/119-118/t15/s1603/	Fresh §1602(h); §1603 “Adjustments for Inflation” note, P.L. 111-203 §1100E(b), and relevant 2010 effective-date note. Other visible §1603 exclusions were not used to complete vehicle-credit analysis. HTML.	Same displayed statutory-compilation limit. §1667’s older cross-reference to §1602(g) is explained by the editorial redesignation to (h). uscode.house.gov +1
R015-P1-S003	OLRC — 12 U.S.C. §5519, Exclusion for auto dealers. https://uscode.house.gov/us/usc/119-120/t12/s5519/	Fresh complete (a)–(f), including all three functional exceptions, preservation of other-agency authority, and statutory vehicle/dealer definitions; effective-date note. HTML.	Dodd-Frank §1029; displayed compilation through October 7, 2026. No actual dealer, license, business-line, or assignment-practice determination. uscode.house.gov
R015-P1-S004	OLRC — 15 U.S.C. §7001, E-SIGN general rule of validity. https://uscode.house.gov/us/usc/119-118/t15/s7001/	Fresh (a)–(f), including consumer consent, access demonstration, changed-system requirements, withdrawal, preservation of other law, retention, and proximity; selected effective-date notes. HTML.	General E-SIGN effective date October 1, 2000; retention provisions have separate transition dates in the notes. No actual consent or legacy-consent conclusion. uscode.house.gov +2
R015-P1-S005	CFPB — 12 CFR part 1013 and Supplement I, grouped agency presentation. https://www.consumerfinance.gov/rules-policy/regulations/1013/1/ https://www.consumerfinance.gov/rules-policy/regulations/1013/interp-1/ https://www.consumerfinance.gov/rules-policy/regulations/1013/2/ https://www.consumerfinance.gov/rules-policy/regulations/1013/3/ https://www.consumerfinance.gov/rules-policy/regulations/1013/4/ https://www.consumerfinance.gov/rules-policy/regulations/1013/interp-4/ https://www.consumerfinance.gov/rules-policy/regulations/1013/5/ https://www.consumerfinance.gov/rules-policy/regulations/1013/interp-5/ https://www.consumerfinance.gov/rules-policy/regulations/1013/7/ https://www.consumerfinance.gov/rules-policy/regulations/1013/9/ https://www.consumerfinance.gov/rules-policy/regulations/1013/a/	Fresh §§1, 2, 3, 5, 7, 9 operative bodies and necessary integrated comments; standalone comment 1-1 and comment 5-1; §4(a)–(m), (q)–(t) and necessary comments. Relevant §4 comments were also checked in the standalone interpretation presentation. Appendix A comments 1–4 only; model-form images were not inspected. Incidental insurance/security/warranty text appearing in retrievals was not developed into those parent components. HTML.	Pages say current; operative rules distinguished from official interpretations. Subject to S008/S009 checks and currentness limits. Multiple pages remain one regulation/commentary family. Consumer Financial Protection Bureau +7
R015-P1-S006	CFPB and Federal Reserve — Regulation Z credit-sale definition. https://www.consumerfinance.gov/rules-policy/regulations/1026/2/ https://www.federalreserve.gov/frrs/regulations/section-2262-definitions-and-rules-of-construction.htm	Fresh §1026.2(a)(16) and relevant comments, especially comments 1–2; Board §226.2(a)(16). Selected provisions only, not whole Regulation Z. HTML.	Used to follow Regulation M’s credit-sale cross-reference and distinguish a direct loan. Actual Regulation Z coverage and credit-origination compliance remain held. Consumer Financial Protection Bureau +1
R015-P1-S007	Federal Reserve — continuing Regulation M, part 213. https://www.federalreserve.gov/frrs/regulations/section-2131-authority-scope-purpose-and-enforcement.htm https://www.federalreserve.gov/frrs/regulations/section-2134-content-of-disclosures.htm https://www.federalreserve.gov/frrs/regulations/official-staff-commentary-on-regulation-m.htm	Fresh §213.1; selected complete §213.4(g), (k)–(m), (q), related provisions; comments 4(g)(1)-1–5, 4(l), 4(m), 4(q)-1–5, 5-1, and current threshold commentary. HTML; long navigation portions not substantive reads.	Continuing dealer jurisdiction corroborated by S009. Website headers are not a full amendment history; this is not dismissed as merely an obsolete former number. federalreserve.gov +5
R015-P1-S008	GPO/GovInfo — 2025 annual CFR, title 12, volume 8, part 1013. https://www.govinfo.gov/content/pkg/CFR-2025-title12-vol8/pdf/CFR-2025-title12-vol8-part1013.pdf	Fresh selected parsed text from printed 505–531, PDF indices 0–26. Selected reads: p.505/index0; pp.508–510/indices3–5; pp.521–522/indices16–17; pp.525–528/indices20–23; selected Appendix A commentary at p.531/index26. Material included §§4(g), (k)–(m), (q), realized-value comments, named-method comments, appraisal and excess-liability comments.	Edition January 1, 2025; historical annual codification. Not all 27 pages read, no full-form or pixel-review claim. Screenshot attempts did not yield usable visual inspection; two timed out. govinfo.gov +5
R015-P1-S009	Federal Reserve/CFPB — Consumer Leasing (Regulation M), 2026 threshold final rule. https://www.govinfo.gov/content/pkg/FR-2025-12-15/html/2025-22813.htm https://www.federalregister.gov/documents/2025/12/15/2025-22813/consumer-leasing-regulation-m https://www.consumerfinance.gov/rules-policy/final-rules/consumer-leasing-regulation-m-adjustments/	Fresh GovInfo HTML: 90 FR 57878–57882; summary/dates, jurisdiction/adjustment background, complete relevant part 1013 amendatory comments 2(e)-1–11, selected Board counterpart including threshold. CFPB and FederalRegister.gov landing material used as same-rule metadata/discovery. No PDF index.	Published December 15, 2025; effective January 1, 2026; 2026 threshold $73,400. Historical threshold list and no-increase mechanics read. Same final rule, not three independent authorities. govinfo.gov +4
R015-P1-S010	CFPB — 2011 republication and correction. https://www.govinfo.gov/content/pkg/FR-2011-12-19/pdf/2011-31723.pdf https://www.govinfo.gov/content/pkg/FR-2011-12-29/pdf/2011-33354.pdf https://www.federalregister.gov/documents/2011/12/19/2011-31723/consumer-leasing-regulation-m	Fresh selected parsed PDF text: 76 FR 78500–78520, especially p.78500/index0 summary/dates and p.78503/index3 operative §§1013.1–.2 material; selected parsed lines 611–777. Correction: 76 FR 81789–81790, PDF indices0–1, Regulation M portion only. FR webpage metadata only.	Historical interim rule and correction, effective December 30, 2011. No whole-PDF or pixel claim. Parsed preamble/operative threshold wording discrepancy preserved in the log below. govinfo.gov +2
R015-P1-S011	CFPB — final adoption of interim rules. https://www.govinfo.gov/content/pkg/FR-2016-04-28/html/2016-09431.htm	Fresh selected summary/dates and Authority and Issuance, item H, adopting Regulation M. 81 FR 25323–25326, selected p.25323 and item H on p.25325. HTML; no PDF index.	Effective April 28, 2016, subject to intervening amendments. Not a read of all regulations in the omnibus rule. govinfo.gov +1
R015-P1-S012	CFPB/Board regulation indexes. https://www.consumerfinance.gov/rules-policy/regulations/1013/ https://www.federalreserve.gov/frrs/regulations/regulation-m-consumer-leasing.htm	Fresh metadata/discovery only: CFPB amendment label and official-edition disclaimer; Board part index. HTML.	Publication labels, not complete effectiveness or amendment-history proof. Consumer Financial Protection Bureau +1
R015-P1-S013	eCFR — attempted current part 1013. https://www.ecfr.gov/current/title-12/chapter-X/part-1013 Observed access-gate destination: https://unblock.federalregister.gov/	Failure: no operative body obtained from this route; access gate encountered.	No bypass attempted. Agency text, official annual CFR, and final rules supplied the reads described above.
R015-P1-S014	GovInfo — attempted 2026 annual CFR. https://www.govinfo.gov/content/pkg/CFR-2026-title12-vol3/pdf/CFR-2026-title12-vol3-part213.pdf https://www.govinfo.gov/content/pkg/CFR-2026-title12-vol8/pdf/CFR-2026-title12-vol8-part1013.pdf	Failure: neither requested PDF body obtained. Printed pages/PDF indices unavailable.	Exact 2026 annual-edition verification remains unresolved; failed retrieval does not establish nonexistence.
R015-P1-S015	OLRC — attempted preliminary routes. https://uscode.house.gov/view.xhtml?edition=prelim&num=0&req=granuleid%3AUSC-prelim-title15-section1667 https://uscode.house.gov/view.xhtml?edition=prelim&num=0&req=granuleid%3AUSC-prelim-title15-section1667a https://uscode.house.gov/view.xhtml?edition=prelim&num=0&req=granuleid%3AUSC-prelim-title15-section1667b https://uscode.house.gov/view.xhtml?edition=prelim&num=0&req=granuleid%3AUSC-prelim-title12-section5519 https://uscode.house.gov/view.xhtml?edition=prelim&path=%2Fprelim%40title15%2Fchapter41%2Fsubchapter1%2FpartE	Failures: 404/page-not-found or maintenance responses; no relied-on operative bodies from these URLs.	Recovered through the exact versioned OLRC URLs in S001/S003; their displayed compilation limit remains controlling for the read record.
R015-P1-S016	OLRC — attempted unversioned routes. https://uscode.house.gov/us/usc/t15/s1667/ https://uscode.house.gov/us/usc/t15/s1667a/ https://uscode.house.gov/us/usc/t15/s1667b/ https://uscode.house.gov/us/usc/t12/s5519/	Failures: access/403/not-accessible responses.	Not substantive evidence; versioned recoveries are separately recorded.
R015-P1-S017	Other failed body routes. https://www.consumerfinance.gov/rules-policy/regulations/1013/appendix-a/ https://www.govinfo.gov/content/pkg/FR-2011-12-19/html/2011-31723.htm https://www.govinfo.gov/content/pkg/FR-2011-12-29/html/2011-33354.htm	Failures: requested bodies unavailable. Correct Appendix A route was /a/; historical rules recovered as PDFs.	Recovery did not include inspection of model-form images.
R015-P1-S018	GovInfo — 2024 annual CFR discovery. https://www.govinfo.gov/content/pkg/CFR-2024-title12-vol8/pdf/CFR-2024-title12-vol8-part1013.pdf	Discovery only: opening parsed page, printed p.504/index0.	Historical; not used as the substantive foundation or a currentness substitute.

Source links captured in this table

Captured table 03

Claim ID · Precise claim and area · Source pinpoint · 18 data rows

Claim ID	Precise claim and area	Source pinpoint	Trigger, conditions, exceptions, and status/limits
R015-P1-C001	A consumer lease requires a bailment/lease of personal property to a natural person, primarily for personal/family/household purposes, for an initial term exceeding four months, within the applicable contractual-obligation threshold.	S001 §1667(1); S005 §1013.2(e)(1), comments 2(e)-1–3, 9–11	S/R/I. All gates matter. A purchase option does not alone remove coverage. A product label or supplied disclosure does not establish the underlying facts.
R015-P1-C002	Primary purpose is determined before or at consummation.	S005 comment 2(e)-1	I. Later changed use does not itself create an original Regulation M disclosure duty. Business/commercial/agricultural purpose is excluded; no actual purpose finding is made.
R015-P1-C003	Personal-property classification follows the law of the property’s location when offered or made available for lease; motor-vehicle classification for the vehicle disclosures also depends on applicable law.	S005 §2(l), comment 2(l)-1; comment 4(f)-1	R/I. A vehicle-like object is not classified solely by its marketing name. Actual location and classification law remain unknown.
R015-P1-C004	An initial four-month, three-month, month-to-month, or week-to-week term is ordinarily outside the consumer-lease definition, even if use continues beyond four months. A penalty for not continuing beyond four months changes that analysis.	S005 comment 2(e)-2	I. Official examples: a three-month lease continued monthly for a year remains excluded; a nominal monthly lease with deposit forfeiture for stopping before a year is treated as exceeding four months, subject to other gates.
R015-P1-C005	An organization lease is excluded even if an employee uses the property personally, a natural person guarantees it, or it is later assigned to a natural person.	S001 §1667(1)–(2); S005 §2(e)(2), (j), comments 2(e)-6, 2(j)-1	S/R/I. Organization includes corporation, trust, estate, partnership, cooperative, association, government entity/instrumentality; commentary includes joint ventures and persons operating under a business name. Actual legal capacity remains held.
R015-P1-C006	A purported lease meeting the credit-sale definition is excluded from Regulation M.	S002 §1602(h); S005 §2(e)(2), comment 2(e)-4; S006 §§226.2(a)(16), 1026.2(a)(16)	S/R/I. Relevant lease/bailment test combines substantially equivalent-or-greater compensation for property/services with automatic or nominal/no-extra-consideration ownership. Regulation Z’s definition excepts a lease terminable without penalty at any time by the consumer. Actual classification requires the agreement.
R015-P1-C007	A financed purchase may be a loan rather than a seller credit sale; neither label makes it a consumer lease.	S006 comment 2(a)(16)-2; S005 §2(e)	I/INF. A seller-arranged loan payable to the financial institution is the comment’s loan example. Regulation Z coverage, APR, usury, and loan remedies are not resolved here.
R015-P1-C008	Total contractual obligation is not necessarily total disclosed payments.	S005 comment 2(e)-3; S009 revised comment 2(e)-3	I. Includes nonrefundable amounts contractually owed to the lessor; excludes residual/purchase-option amounts and amounts collected for payment to third parties, such as taxes, licenses, and registration. No actual total has been computed.
R015-P1-C009	The 2026 threshold is $73,400, for January 1–December 31, 2026.	S009, comments 2(e)-11(xvii) for parts 213/1013	Final rule/I. “Not exceeding” includes equality. Published transition entries include $25,000 before July 21, 2011; $50,000 July 21–December 31, 2011; $51,800 for 2012; $71,900 for 2025. These are sourced historical amounts, not present eligibility findings.
R015-P1-C010	The threshold in effect at consummation controls; a lease exempt because it exceeded that threshold remains exempt despite a later annual increase.	S005 comments 2(e)-9–11; S009; S002 inflation note	I/S. Annual changes take effect January 1 using the specified CPI-W mechanism and rounding. A non-increase does not reduce the operative threshold; the commentary supplies later catch-up mechanics. Extension, replacement, and a genuinely new transaction must be distinguished.
R015-P1-C011	A lessee is a natural person entering or offered a consumer lease; a guarantor is not a lessee. A lessor regularly leases, offers, or arranges covered leases.	S005 §2(g)–(h), comment 2(g)-1	R/I. Regularity means more than five leases/offers/arrangements in the preceding calendar year or more than five in the current calendar year. Actual roles and frequency are unestablished.
R015-P1-C012	Arranger status requires the defined relationship and either compensation/actual consideration or knowledge of terms plus participation in contract preparation.	S005 comments 2(h)-1–2	I. Mere unpaid referral without document preparation is the contrary example. Intangible increased-business benefit is not the required “other consideration.”
R015-P1-C013	An assignee may be a lessor when substantially involved in the lease transaction.	S005 comment 2(h)-3	I. Assignment alone is not a universal lessor-status conclusion. The opinion cited within the comment was not independently read or used as a separate holding.
R015-P1-C014	CFPB part 1013 excludes persons within the statutory auto-dealer exclusion, subject to its functional exceptions.	S003 §5519(a)–(b), (f); S005 §1013.1(b)	S/R. Predicate: qualifying dealer predominantly engaged in sale-and-servicing or leasing-and-servicing. Exceptions apply to the extent of mortgage/real-property self-financing services; direct retail credit/leases not routinely assigned to unaffiliated finance/leasing sources; or unrelated consumer financial products/services. Dealer definition requires the statutory licensing and title/ownership/custody conditions. No actual license inquiry occurred.
R015-P1-C015	Part 213 remains material for dealers excluded from CFPB authority; it is not universally obsolete.	S003 §5519(c); S007; S009 jurisdiction discussion and dual amendments	S/R/final rule. The 2026 rule amended both parts. Section 5519’s vehicle definition includes road vehicles, recreational boats/marine equipment, motorcycles, specified recreational vehicles/campers, and other vehicles titled and sold through dealers. That jurisdictional definition does not resolve every asset’s Regulation M classification.
R015-P1-C016	Additional exclusions have specific conditions.	S005 §2(e)(3), comments 2(e)-7–8	R/I. Personal property incidental to a real-property lease is excluded only with no end-value liability except abnormal wear and no purchase option. Listed service-incidental examples are programming-reception equipment, home-security equipment, and propane tanks. Safe-deposit-box leases are excluded. No general exclusion for every bundled service is inferred.
R015-P1-C017	The official interpretation distinguishes U.S.-branch/resident transactions from specified foreign-branch transactions.	S005 comment 1-1; §2(p)	I. U.S. branches offering leases to residents of a defined “State,” including foreign nationals, are within the stated scope subject to the dealer exception. Specified foreign-branch transactions abroad are excluded. International, tribal, choice-of-law, and actual residence questions remain held.
R015-P1-C018	The statute requires advance disclosure of termination conditions and charge amounts or methods.	S001 §1667a opening and (11)	S. Applies to the lessor and covered lease; identifies both lessee- and lessor-initiated termination conditions. It is a disclosure obligation, not an independent grant of every described contractual power.

Captured table 04

Claim ID · Precise claim and area · Source pinpoint · 9 data rows

Claim ID	Precise claim and area	Source pinpoint	Trigger, conditions, exceptions, and status/limits
R015-P1-C019	Penalties or other charges for delinquency, default, or early termination may be specified only in a reasonable amount.	S001 §1667b(b); S005 comment 4(q)-5	S/I. Complete enumerated factors: anticipated or actual harm caused by the event; difficulties of proving loss; inconvenience or nonfeasibility of otherwise obtaining an adequate remedy. Neither actual loss alone nor disclosure alone is the entire statutory test.
R015-P1-C020	Early-termination disclosure must state the conditions under which either party may terminate before the scheduled end, and the charge amount or method.	S005 §4(g)(1), comments 1–2	R/I. Charges must be reasonable. A full, accurate description not intended to mislead can comply even if complex. That disclosure standard does not adjudicate substantive reasonableness.
R015-P1-C021	Delinquency, default, and late-payment penalties or charges require disclosure of their amount or determining method.	S005 §4(q)	R. Reasonableness is expressly required. Ordinary contractual payment obligations and event-related charges must first be correctly classified.
R015-P1-C022	Default that is a condition for early termination engages both §4(g)(1) and §4(q).	S005 comments 4(g)(1)-4, 4(q)-2	I. The disclosures may be combined but need not be. A default label does not remove the early-termination disclosure requirement.
R015-P1-C023	Motor-vehicle leases require the prescribed substantially similar early-termination warning.	S005 §4(g)(2)	R. It warns of a potentially substantial charge, timing dependence, and the likelihood of a greater charge earlier in the term. It is an advance disclosure, not an event-specific default notice or cure deadline.
R015-P1-C024	Automatic collection costs or attorney fees upon default must be disclosed under §4(q); specified contingent costs need not be.	S005 comment 4(q)-1	I. The exception concerns costs contingent on actual collection-related expenditures or employment of an attorney to collect. It is a disclosure exception, not permission to recover any fee.
R015-P1-C025	Normal additional rent in a simple-interest accounting lease is treated differently from an increased default rate.	S005 comment 4(q)-3	I. Normal rent accruing because payment is late, or after termination because property is not returned, is not characterized there as a late/default charge. A rate above normal requires disclosure of the additional amount or method. Lawfulness remains separate.
R015-P1-C026	Certain extension charges belong in the delinquency-charge disclosure.	S005 comment 4(q)-4	I. Applies to extension charges exceeding rent in a simple-interest accounting lease or added separately. Section 5’s new-disclosure exceptions do not independently authorize the fee.
R015-P1-C027	These disclosure provisions do not establish a universal right to cancel, accelerate, repossess, obtain cure, or collect a particular payoff.	S001 §§1667a(11), 1667b(b), 1667e; S005 §§4(g), 4(q), 9	INF from the provisions’ function. Contractual entitlement, conditions precedent, other federal law, and state enforceability require separate authority and facts. No actual rights determination is made.

Captured table 05

Claim ID · Precise claim and area · Source pinpoint · 13 data rows

Claim ID	Precise claim and area	Source pinpoint	Trigger, conditions, exceptions, and status/limits
R015-P1-C028	A generally accepted method may be named for the unamortized-cost/adjusted-lease-balance portion of the early-termination calculation.	S005 comment 4(g)(1)-2	I. “Constant yield” is the official example. The lessor must still specify how that figure and every other term or figure are used in the total charge. Naming it does not supply the entire contract formula.
R015-P1-C029	Using that named-method option creates a duty to provide its written explanation on the consumer’s request.	S005 comment 4(g)(1)-2	I. Lessor is the responding actor; consumer is the requester/recipient. The explanation may instead be supplied routinely in the lease or a separate document. The comment does not require the request itself to be written.
R015-P1-C030	A request at consummation requires the written explanation then; a later request requires it within a reasonable time after the request.	S005 comment 4(g)(1)-3	I. An address or telephone number may be supplied for requests, but does not postpone the at-consummation duty. No fixed number of days is supplied.
R015-P1-C031	A named method alone does not establish its inputs, timing conventions, credits, valuation choice, ancillary charges, or resulting lawful amount.	S005 comments 4(g)(1)-2–3	INF/U. No contract method or equation was adopted here. “Actuarial” was not found in the retrieved §4 text/comments; no universal equivalence between actuarial and constant-yield terminology is asserted.
R015-P1-C032	When liability is based on unamortized cost minus realized value, the method for that difference must be disclosed. Scheduled-payment disclosures are not a universal early-termination payoff formula.	S005 comment 4(g)(1)-5; §4(f)	I/INF. The subtraction is conditional on the actual lease method. Other charge components and legal limits remain separate. No numerical illustration is supplied.
R015-P1-C033	A requested gross-capitalized-cost itemization must be supplied before consummation.	S005 §4(f)(1), comment 4(f)(1)-2	R/I. Itemize by type and amount; provide with the other required disclosures, outside the segregated disclosures. Routine provision removes the need to state the option to request it. This is a different request from a named-method explanation.
R015-P1-C034	Ordinary anticipated end-of-term charges have a distinct disclosure location.	S005 §4(d), comments 4(d)-1–3	R/I. Examples include disposition/pickup charges. Early-termination, default, deferment, and extension charges are not collapsed into this category. Residual-value liability is separately addressed in §4(k).
R015-P1-C035	A purchase option is separately disclosed and is not interchangeable with return/termination liability.	S005 §4(i), comments 4(i)-1–4	R/I. Disclose its existence or absence; end-of-term price; during-term price or method and when exercisable. Whether an option exists depends on applicable law. A mere opportunity to bid is not necessarily an option; an unspecified negotiated price or bare fair-market-value reference does not satisfy the stated certainty rule.
R015-P1-C036	Adjusted capitalized cost, residual value, and adjusted lease balance are different concepts.	S005 §2(f), (n); §4(f); comment 4(g)(1)-2	R/I. Adjusted capitalized cost is gross capitalized cost less capitalized-cost reduction, used for base payments. Residual is the end value estimated/assigned at consummation for that calculation. Adjusted lease balance is the unamortized-cost component addressed by the termination method.
R015-P1-C037	Realized value has defined alternatives, constrained by contract and applicable law.	S005 §2(m), comments 2(m)-1–2	R/I. Sold before liability determination: sale price or fair market value. Unsold then: highest offer or fair market value. Retail or wholesale valuation may be relevant. The realized amount itself is not a required advance disclosure; the applicable method/liability disclosures remain required.
R015-P1-C038	Disposition costs are not deducted in determining realized value; tax amounts may be.	S005 comments 2(m)-3–4	I. Withdrawn offers and offers from an unwilling/unable performer may be disregarded when finding the highest offer. This does not independently establish a right to a separate disposition fee.
R015-P1-C039	Open-end and closed-end describe ordinary end-of-term residual-value exposure.	S005 §2(d), (i), comment 2(d)-1	R/I. Open-end liability is based on residual minus realized value at the end. Closed-end means other than open-end. “Walk-away” does not establish zero mileage, wear, default, disposition, or early-termination charges.
R015-P1-C040	Residual-versus-realized liability, if any, must be disclosed for early termination or ordinary end.	S005 §4(k); S001 §1667a(4)–(5)	R/S. The phrase “if any” matters. This provision does not create the liability or establish that a shortfall is immediately collectible.

Captured table 06

Claim ID · Precise claim and area · Source pinpoint · 11 data rows

Claim ID	Precise claim and area	Source pinpoint	Trigger, conditions, exceptions, and status/limits
R015-P1-C041	A residual-value provision at termination carries the statutory independent-appraisal right; Regulation M requires its disclosure when liability at early termination or end depends on realized value.	S001 §1667b(c); S005 §4(l)	S/R. Lessee pays; professional independent third party must be agreed to by both parties; appraisal is final and binding. The regulation describes the value realizable at sale.
R015-P1-C042	The lessor’s own appraisal does not substitute for disclosure of the lessee’s independent-appraisal right.	S005 comments 4(l)-2–3	I. Disclose whether wholesale or retail appraisal value is used. Binding valuation does not, by itself, resolve every separate contractual or legal challenge to the total charge.
R015-P1-C043	Regulation M gives no fixed period for exercising the appraisal right.	S005 comment 4(l)-4	I. A lessor may require appraisal within a reasonable time after termination. No actual period’s reasonableness or deadline is decided.
R015-P1-C044	Wear/use liability alone does not trigger the independent-appraisal disclosure; a closed-end lease may nevertheless need it for an early realized-value calculation.	S005 comment 4(l)-1; Appendix A comment 3	I. The official wear example compares damaged condition with reasonably maintained condition. The Appendix A comment identifies the closed-end model’s early-termination appraisal context; the image itself was not inspected.
R015-P1-C045	When expiration liability is based on estimated residual value, the estimate must reasonably approximate anticipated actual fair market value at expiration.	S001 §1667b(a), first sentence	S. This is an ordinary-expiration residual-liability rule, not an invented valuation of any vehicle.
R015-P1-C046	The statute creates rebuttable presumptions of unreasonableness and lack of good faith for the specified excess residual estimate.	S001 §1667b(a); S005 §4(m)(2)	S/R. Statutory benchmark: more than three times the average payment allocable to a month. Regulatory disclosure: more than three base monthly payments, or the stated average for nonmonthly payments. It is not a universal early-termination cap.
R015-P1-C047	Collection of the specified excess residual liability is subject to the statutory successful-action requirement and attorney-fee provision.	S001 §1667b(a); S005 §4(m)(2), comment 4(m)-2	S/R/I. The interpretation says the lessor pays the lessee’s reasonable attorney fees in all actions under this residual-liability provision, successful or not. No actual standing, filing, award, or remedy conclusion follows.
R015-P1-C048	The residual presumptions do not apply to the extent the excess is caused by physical damage beyond reasonable wear/use or excessive use.	S001 §1667b(a); S005 §4(m)(2)	S/R. Contractual wear/use standards must not be unreasonable. The causation and “to the extent” qualifications prevent treating every shortfall as either exempt or presumptively unlawful.
R015-P1-C049	A willing lessee and lessor may make a mutually agreeable final adjustment of excess residual liability after termination.	S001 §1667b(a), final sentence; S005 §4(m)(3)	S/R. This is not approval of an advance waiver, compelled settlement, or actual agreement.
R015-P1-C050	The §4(m)(2) limitation disclosure does not apply to early termination or the alternative minimum term; its presumption does not govern every end charge.	S005 comments 4(m)(2)-1–3	I. Listed other charges include disposition, excess mileage, late/default charges, and certain simple-interest unamortized balances caused by untimely payments. Their exclusion from this presumption does not make them automatically lawful.
R015-P1-C051	Open-end leases require the specified rent-and-other-charges disclosure; nonvehicle open-end leases retain a statutory end-liability cross-reference.	S005 §4(m)(1), comment 4(m)(1)-1; §4(t); S001 §1667a(10)	R/I/S. Required acquisition/disposition/assignment charges may be included; nonrequired third-party services such as voluntary insurance are excluded from this particular financing-cost disclosure. Other asset-financing analysis remains held.

Captured table 07

Claim ID · Precise claim and area · Source pinpoint · 14 data rows

Claim ID	Precise claim and area	Source pinpoint	Trigger, conditions, exceptions, and status/limits
R015-P1-C052	Required disclosures must be clear/conspicuous, in a retainable written form, together in the prescribed dated presentation, before consummation.	S001 §1667a opening/closing; S005 §3(a), (a)(1), (a)(3) and comments	S/R/I. They may be in the contract or a separate statement; permitted split presentation still requires contemporaneous delivery. Contract formation/consummation depends on state or other applicable law. Reasonably understandable and legible are the stated standards.
R015-P1-C053	The mandatory segregated group is exact, not every lease term.	S005 §3(a)(2)	R. §§4(b)–(f), (g)(2), (h)(3), (i)(1), (j), and (m)(1); only directly related/permitted information; headings/content/format substantially similar to the applicable model. Detailed §4(g)(1) and §4(q) terms are not in that enumerated group.
R015-P1-C054	One lessor may disclose on behalf of multiple lessors, and delivery may be to any primarily liable lessee.	S005 §3(c); comments 3(a)(1)-4–5, 3(c)-1	R/I. Identify all lessors/lessees and provide all required transaction disclosures. Regulation M does not itself require the lessee’s signature on the disclosure statement.
R015-P1-C055	Non-English disclosures are permitted if English is available on the lessee’s request; additional information must not obscure required disclosures.	S005 §3(a)(4), (b)	R. No fixed post-request day count is supplied here. Nonsegregated state disclosures may be included consistently with these standards.
R015-P1-C056	Proper use of an applicable model form can satisfy corresponding disclosure requirements.	S001 §1667f(b)(4); S005 Appendix A comments 1–4	S/I. This is bounded disclosure protection, not approval of every contract term or amount. No unseen form layout is certified.
R015-P1-C057	Estimates require reasonable efforts, best reasonably available information, appropriate identification, and no evasion.	S005 §3(d), comments 1–5	R/I. Open-end residual estimates must be reasonable; accepted trade publications or better experience-based information may be used. Retail/wholesale choice must fit the lessor’s general practice and be identified. No actual valuation source was queried.
R015-P1-C058	A subsequent event making an originally accurate disclosure inaccurate does not itself violate Regulation M.	S005 §3(e), comments 1–3	R/I. New disclosures may still be required by §5. Commentary about necessary/proper protective action after nonperformance is not an independent repossession or security-right grant.
R015-P1-C059	Electronic lease disclosures are subject to E-SIGN consumer-consent and other applicable requirements.	S005 §3(a); S004 §7001(c)(1)	R/S. Affirmative unwithdrawn consent; advance disclosure of paper option, withdrawal procedures/consequences/fees, consent scope, contact-update procedure, and paper-copy procedure/fee; hardware/software information; electronic consent/confirmation reasonably demonstrating access. Material system changes risking access require revised information, renewed access confirmation, and the specified fee-free withdrawal protection.
R015-P1-C060	E-SIGN does not erase substantive content/timing duties or every paper/retention protection.	S004 §7001(b), (c)(2)–(6), (d)–(f); S005 §3(a)	S/R. Preserve applicable verification, accessibility, retention/reproduction, and proximity requirements. Withdrawal operates prospectively within a reasonable processing period. The narrow rule against invalidating a contract solely for failure of §7001(c)(1)(C)(ii) does not establish disclosure compliance. Legacy-consent and oral-communication qualifications are not assumed satisfied. Electronic advertising has its own §3(a) exception; it is not blanket consent for lease disclosures.
R015-P1-C061	A covered lease satisfied and replaced by a new lease with the same consumer is a renegotiation requiring new disclosures unless §5(d) applies.	S005 §5(a); comment 5-1; comment 5(a)-1	R/I. State/other law determines satisfaction and replacement. Section 5 applies only to existing covered leases; it does not turn an originally short rental into coverage merely through continuation. A genuinely new transaction still requires its own classification. Disclosures must reflect the renegotiated legal obligation.
R015-P1-C062	An agreed continuation beyond the original end is an extension unless it is a renegotiation; extensions exceeding six months ordinarily require new disclosures.	S005 §5(b), comments 5(b)-1–3	R/I. Fixed term over six months: when agreed. Monthly continuation: start of seventh month and each seventh month thereafter. Varying terms: start of the term crossing six months beyond the original end. Disclose the extension period, upfront costs, and monthly nature where applicable.
R015-P1-C063	Section 5(d) contains six specified new-disclosure exceptions.	S005 §5(d)(1)–(6)	R. Rent reduction; deferment of one or more payments with or without fee; extension no longer than six months; substantially equivalent-or-greater-value replacement property with no other term changed; multiple-item changes where average periodic payment changes no more than 25%; agreement resulting from a court proceeding. These are disclosure exceptions, not fee/enforceability approvals.
R015-P1-C064	Assumption by another person does not require new Regulation M disclosures, with or without an assumption fee.	S005 §5(c)	R. Does not determine release of the original lessee, assignment validity, or fee lawfulness.
R015-P1-C065	Disclosures follow the full legal obligation, not an optional minimum period alone.	S005 comment 3(a)-1	I. Official example: a three-year lease permitting penalty-free termination after one year is disclosed over three years; the minimum matters to the early-termination provisions. No universal minimum term or cancellation entitlement is inferred.

Captured table 08

Claim ID · Precise claim and area · Source pinpoint · 8 data rows

Claim ID	Precise claim and area	Source pinpoint	Trigger, conditions, exceptions, and status/limits
R015-P1-C066	Specified advertised payment terms trigger additional clear/conspicuous disclosures.	S001 §1667c(a); S005 §7(a), (b), (d), comments 7(a), 7(d)	S/R/I. Trigger: any payment amount, capitalized-cost reduction/other initial payment, or no-payment statement. Required terms: lease status; total due by consummation/delivery as applicable; number/amount/timing of payments; security-deposit status; conditional end residual-liability warning. Terms must actually be usually/customarily available. Advertising scope is not limited simply to contractual lessors.
R015-P1-C067	Catalog/electronic and merchandise-tag alternatives have specific conditions.	S005 §7(c), (e), comments 7(c)-1–2, 7(e)-1	R/I. A triggering term must clearly direct to the required table/schedule; a direct electronic link is an example. Separate flyers in one envelope are not automatically one multipage ad. A merchandise tag may refer to a prominently posted in-business sign/display containing the required table; the alternative includes multiple-item leases.
R015-P1-C068	TV/radio alternative disclosure requires core on-air terms plus the specified telephone or print route.	S005 §7(f)(1)–(2), comments 7(f)(1)-1–4	R/I. On-air §§7(d)(2)(i)–(iii); toll-free number with explanation of its purpose, or identified general-circulation publication/date and required information. The regulation specifies publication beginning at least three days before and ending at least ten days after broadcast. Number available at least ten days beginning broadcast; information oral or written on request. Nonlocal toll-free/reverse-charge and early recorded-menu access conditions are explained in comments.
R015-P1-C069	The statutory radio alternative must be kept distinct from the regulation’s TV/radio wording.	S001 §1667c(c)(1)–(3)	S. Statute expressly includes total scheduled payments in addition to number/amount/dates; states the publication window and name/dates; requires the number by broadcast, maintained at least ten days, information to callers, and writing if requested. No advertised campaign or reconciliation of every historical regulatory modification is adjudicated here.
R015-P1-C070	A lease percentage rate is not a validated APR.	S005 §§4(s), 7(b)(2), comments 4(s)-1, 7(b)(2)-1	R/I. Required notice says the percentage may not measure overall financing cost; “annual percentage rate,” “annual lease rate,” or equivalent is prohibited. Rate is outside segregated disclosures; advertising notice must be proximate, not an asterisk elsewhere, with the prescribed prominence limit.
R015-P1-C071	State consumer-lease law is preserved except to the extent of inconsistency; greater protection is not treated as inconsistent.	S001 §1667e(a)–(b); S005 §9(a)–(b)	S/R. A state official may seek a preemption determination. State-class exemption requires substantially similar/greater protection and adequate enforcement; no exemption extends to the listed federal civil-liability provisions. No actual state exemption or state restriction was surveyed.
R015-P1-C072	Avoided costs, mitigation, reletting, and disposition evidence may matter to a reasonableness inquiry, but are not additional enumerated federal factors in §1667b(b).	S001 §1667b(b); S005 comments 2(m)-2–4, 4(q)-5	INF. They may inform anticipated/actual harm or other applicable law. This report does not establish a universal federal duty to relet, a particular disposition procedure, or an automatic avoided-cost deduction.
R015-P1-C073	Neither a lawful amount nor a complete currentness/remedy conclusion can be derived from this record.	S001–S017; application holds below	U. Contract, charge classification, variables, consent, termination event, value evidence, jurisdiction, state law, and complete intervening history remain unresolved. No actual liability, standing, collection, filing, or remedial outcome is decided.

Captured table 09

Event or issue · Applicable federal disclosure track · Separate substantive constraint or right · 10 data rows

Event or issue	Applicable federal disclosure track	Separate substantive constraint or right	What the provision does not establish	Claims
Lessee seeks voluntary early termination	§4(g)(1): conditions, amount/method; §4(g)(2) motor-vehicle warning; §§4(k), (l) if applicable	§1667b(b) reasonableness; conditional appraisal right	A universal right to return property and end all payments, a universal payoff, or a universal notice period	C019–C023, C027–C032, C040–C043
Lessor terminates for default	Both §§4(g)(1) and 4(q); may combine	Same reasonableness standard; other applicable law remains relevant	Acceleration, repossession, cure, sale, or deficiency authority	C021–C027
Late payment without termination	§4(q), with simple-interest distinctions	Reasonableness for qualifying penalties/charges	That every normal rent accrual is a penalty, or every disclosed late fee is enforceable	C019, C021, C024–C026
Named “constant yield” method	Full explanation of how balance and other terms produce total charge; written method explanation on request	Reasonableness still separate	The contract’s rate, time basis, credits, realized value, ancillary fees, or total lawful amount	C028–C032
Ordinary end of closed-end lease	Applicable ordinary end charges, purchase option, other required terms	Contract/state limits; appraisal only if its actual trigger exists	Zero liability for every charge, or ordinary-end residual risk identical to open-end risk	C034–C044
Ordinary end of open-end lease	§§4(k), (l), (m)	Reasonable original residual estimate; specified presumptions, excess-collection conditions, fee provision, and damage/use qualifications	That every shortfall is immediately collectible or that every end charge receives the three-payment presumption	C039–C051
Early termination of a closed-end lease using realized value	§§4(g), (k), (l), depending on actual method	Conditional independent appraisal; §1667b(b)	That “closed-end” eliminates early-termination valuation exposure	C028–C044
Purchase instead of return	§4(i) purchase option and price/method/timing	Existence and enforceability under contract/applicable law	That the purchase price equals the return charge or lease balance	C035–C036
Extension or replacement	§5 classification and exceptions; §4(q) extension-fee disclosure where applicable	Existing substantive limits continue to matter	That no new disclosure means a new fee is lawful; that every continuation is a new lease	C026, C061–C065
Electronic delivery	§3(a) plus E-SIGN	Consent/access/retention and preserved content/timing rules	That electronic signature alone proves compliant disclosure delivery	C052, C059–C060

Captured table 10

Trigger/request · Responsible actor → recipient · Required response or availability · 8 data rows

Trigger/request	Responsible actor → recipient	Required response or availability	Timing stated in the read authority	Boundary
Named method used; consumer requests explanation at consummation	Lessor → requesting consumer	Written explanation of named method	At that time	Optional contact address/number does not defer it.
Same request after consummation	Lessor → requesting consumer	Written explanation	Within a reasonable time after request	No fixed day count; request itself need not be written under the comment.
Lessee requests gross-capitalized-cost itemization	Lessor → lessee	Separate written itemization by type/amount	Before consummation, with the other disclosures	Outside segregated disclosures; routine delivery is an alternative.
Realized-value liability triggers appraisal right	Lessee obtains; independent professional agreed by both parties	Professional appraisal at lessee’s expense	No specified regulatory period; lessor may require reasonable time after termination	Lessor’s appraisal is not the substitute; wear-only liability differs.
Non-English disclosure; lessee requests English	Lessor → lessee	English disclosures available	No numerical period specified in §3(a)(4)	Not a substitute for the general advance-disclosure duty.
Advertising telephone alternative; consumer requests writing	Lessor → caller/requesting consumer	Required advertising information orally, or in writing on request	Telephone available for the specified broadcast-related period	The named-method “reasonable time” comment is not imported into this separate rule.
Consumer withdraws electronic consent	Provider processes consumer withdrawal	Prospective withdrawal under E-SIGN; paper procedures governed by required disclosures	Reasonable period after receipt	Does not retroactively invalidate previously provided records under the statute.
State seeks preemption determination or class exemption	Authorized state official/state → Bureau	Formal determination/application process	No actual request or filing made here	This is not a lessee-specific permission or remedy process undertaken by this report.

Captured table 11

Audit field · Blank entry · What must be distinguished or established · 40 data rows

Audit field	What must be distinguished or established	Claim links
Legal product classification	Lease/bailment, credit sale, financed purchase/direct loan, rental, or unresolved	C001, C006–C007
Primary purpose at consummation	Personal/family/household versus agricultural/business/commercial; label versus evidence	C002
Property classification and relevant jurisdiction	Personal property under applicable location law; separate motor-vehicle classification	C003
Initial contractual term	Initial term versus actual use; continuation penalties or deposit forfeiture	C004
Lessee legal capacity	Natural person, organization, guarantor, later assignee	C005, C011
Lessor/arranger/assignee roles	Contract role, regularity, compensation, document participation, substantial involvement	C011–C013
Dealer jurisdictional conditions	Statutory dealer definition, predominant business, functional exceptions, assignment practice	C014–C015
Incidental-lease exclusions	Both real-property-incidental conditions; only applicable service examples	C016
Geographic scope	Relevant branch, residence, defined State; unresolved cross-border law	C017
Contract formation/consummation	Applicable legal formation event and governing threshold year	C009–C010, C052
Total contractual obligation	Nonrefundable lessor payments; excluded residual, option price, third-party amounts	C008
Applicable threshold and transition	Exact consummation-year amount; prior exemption; replacement versus continuation	C009–C010, C061
Contract/disclosure version	Agreed terms, supplements, amendments, and relationship between documents	C018, C052
Termination event and initiating actor	Voluntary return, default action, agreed termination, ordinary expiration, purchase	C020–C027, C034–C035
Contractual termination conditions	Permitted events, minimum term, required notice, conditions precedent	C020, C027, C065
Disclosure timing and retainability	Before consummation; together; dated; clear/conspicuous; retainable	C052
Segregated versus other disclosure location	Exact §3(a)(2) list and permitted related information	C053
Multiple-party delivery	All parties identified; disclosure provider; primarily liable recipient	C054
Language and requested English version	Original language and request/availability evidence	C055
Electronic consent and access	Affirmative consent, access demonstration, scope, hardware/software, withdrawal, paper copy	C059–C060
Termination method and incorporation	Full agreed method; named standard; version or definition incorporated	C028–C032
Method variables and timing conventions	Contract-specific balance inputs, accrual basis, payment timing, credits, offsets	C031–C032
Capitalized costs and itemization	Gross cost, reductions, adjusted cost; requested itemization	C033, C036
Residual value	Original assigned estimate, valuation basis, role in scheduled payments versus termination	C036, C045, C057
Realized value	Sold/unsold at liability determination; sale price/highest offer/fair market value	C037
Value adjustments	Disposition-cost exclusion from realized value; taxes; disregarded offers	C038
Separate charge categories	Rent, late/default penalty, termination charge, disposition, mileage, wear, collection fee	C019–C026, C034, C050
Reasonableness: anticipated/actual harm	Evidentiary basis and causal connection; no automatic actual-loss-only test	C019
Reasonableness: proof difficulties	Stated difficulty of proving loss	C019
Reasonableness: alternative remedy	Inconvenience/nonfeasibility of otherwise obtaining adequate remedy	C019
Avoided costs/mitigation/reletting/disposition	Factual relevance versus an actually sourced contractual/state-law duty	C072
Named-method request and response	At-consummation versus later request; written response; elapsed-time facts	C029–C030
Appraisal trigger and process	Realized-value liability, agreed independent professional, expense, retail/wholesale basis	C041–C044
Ordinary-end residual exposure	Open/closed-end; original estimate; actual realized value; applicable presumption	C039, C045–C050
Damage/use causation	Reasonable standards and extent to which damage/use caused residual excess	C048
Post-termination adjustment	Timing, willingness, and mutual agreement	C049
Extension/renegotiation/assumption	Replacement under applicable law; duration; exceptions; new-disclosure basis	C061–C065
Advertising cross-reference, if material	Actual trigger, medium, alternate route, required information and availability	C066–C070
State/other-law restrictions	Applicable law, conflict analysis, contract enforceability, unresolved exemption	C071
Remedies and source-history gaps	No actual standing, deadline, filing, damages, or collection conclusion; version gaps	C073

Captured table 12

Example · Stipulated facts · Statute/regulation-specific result versus unknown · 19 data rows

Example	Stipulated facts	Statute/regulation-specific result versus unknown	Evidence needed	Adverse misclassification
R015-P1-E01 — Financed purchase	A document called a lease requires substantially equivalent compensation and nominal-price ownership; penalty-free termination is unavailable.	Credit-sale exclusion must be tested under C006. If it is a loan instead, C007 applies. Actual Regulation Z obligations remain unknown.	Operative ownership, consideration, termination, and creditor terms	Applying Regulation M to a credit transaction and overlooking credit-law questions
R015-P1-E02 — Short rental	Initial term is month-to-month; there is no penalty requiring continuation beyond four months.	Later long use alone does not satisfy the initial-term condition.	Initial term and all continuation/forfeiture provisions	Treating elapsed possession as the contractual initial term
R015-P1-E03 — Business purpose	Primary use at consummation is stipulated to be business use.	Consumer-purpose gate fails; later personal use does not retroactively establish initial coverage.	Contemporaneous purpose and actual agreement category	Assuming a natural-person signature proves consumer purpose
R015-P1-E04 — Threshold uncertain	Contractual-obligation components or consummation year are unknown.	Coverage remains unresolved; the 2026 amount cannot be applied automatically.	Year, nonrefundable obligations, excluded components, prior exemption/replacement facts	Using vehicle price or current threshold as a universal shortcut
R015-P1-E05 — Covered voluntary early termination	Coverage is stipulated; the lessee wishes to return before scheduled expiration.	§§4(g), potentially (k)/(l), and §1667b(b) matter. A right to terminate and the charge remain contract/state questions.	Termination conditions, complete method, charge justification	Treating return as automatic cancellation of all liability
R015-P1-E06 — Lessor default action	Coverage and default-triggered early termination are stipulated.	Both §4(g)(1) and §4(q) disclosures apply. Repossession, cure, acceleration, and collection authority remain unknown.	Default/termination provisions and separately applicable law	Treating disclosure as a grant of repossessory power
R015-P1-E07 — Named method, missing variables	Disclosure says “constant yield” but omits how the resulting balance enters total charges.	Naming the method does not satisfy the required full total-charge description by itself.	Incorporated method and every operative variable/charge relationship	Accepting a recognized name as a universal payoff formula
R015-P1-E08 — Written explanation request	A consumer requests the named-method explanation at consummation; alternatively, after consummation.	First branch: writing then. Second: writing within reasonable time. No fixed day count follows.	Request timing and actual written response	Deferring an at-consummation request or inventing a numerical deadline
R015-P1-E09 — Disclosed charge, reasonableness unknown	A charge is clearly disclosed but its harm/loss/remedy basis is unknown.	Disclosure compliance does not resolve §1667b(b).	Evidence addressing all three statutory considerations	Treating disclosure or signature as substantive approval
R015-P1-E10 — Ordinary end versus early termination	A residual shortfall arises, but event classification is disputed.	Ordinary-expiration presumptions cannot simply be applied to early termination; neither branch proves immediate collectibility.	Original end, event/termination terms, liability basis, wear/use causation	Applying a three-payment cap to every early termination
R015-P1-E11 — Residual realization unknown	A charge uses realized value, but sale status and valuation basis are unknown.	Permitted alternatives depend on whether disposition preceded liability determination and on contract/law.	Value method, sale/offer status, tax/cost treatment	Treating assigned residual, sale proceeds, and net proceeds as interchangeable
R015-P1-E12 — Extension versus renegotiation	A covered lease continues after its scheduled end; whether it was satisfied/replaced is unknown.	Classify under §5 before applying the six-month timing rules or exceptions.	Legal replacement/continuation terms, durations, changes, exception conditions	Calling every continuation a new lease, or every replacement an exempt extension
R015-P1-E13 — Electronic delivery unknown	Disclosures were emailed or presented online; consent/access evidence is absent.	E-SIGN compliance remains unresolved. An electronic signature alone does not establish it.	Consent disclosures, affirmative consent/access confirmation, retainable record	Importing the electronic-advertising exception into contract delivery
R015-P1-E14 — State restriction	Federal disclosures appear complete, but applicable state law has not been read.	Enforceability remains unresolved; greater state protection is not automatically displaced.	Applicable jurisdiction and published state authority in a separately bounded review	Treating federal disclosure compliance as preemption of all restrictions
R015-P1-E15 — Organization lessee	An organization leases property for an employee’s personal use; an individual guarantees it.	Organization exclusion remains; the guarantee does not make the guarantor a Regulation M lessee.	Actual contracting capacity and role	Treating personal use by an employee as a natural-person lease
R015-P1-E16 — Closed-end appraisal distinction	A closed-end lease uses realized value for early termination; alternative branch involves only excess wear.	First branch may trigger §4(l); wear-only liability does not by itself trigger it.	Actual liability formula and appraisal language	Denying all closed-end appraisal rights or granting them for every wear charge
R015-P1-E17 — Collection-fee distinction	One fee is automatic on default; another is contingent on collection expenditure.	First must be disclosed under §4(q); second fits the specified disclosure exception if its conditions hold. Neither is thereby approved for collection.	Fee trigger and contractual conditions	Treating a disclosure exception as substantive fee authorization
R015-P1-E18 — Normal versus increased rent	A simple-interest lease continues normal rent after late payment; alternative branch increases the accrual rate.	Normal accrual has the comment’s distinct treatment; above-normal additional charge requires amount/method disclosure.	Normal rate, changed rate, event and accounting terms	Calling every accrual a default penalty, or hiding an increased rate as ordinary rent
R015-P1-E19 — Dealer jurisdiction unresolved	An actor is described commercially as a dealer; statutory dealer and assignment-practice conditions are unknown.	Part 1013 versus retained part 213 jurisdiction remains unresolved.	Legal role and statutory business-line predicates, without any identifier/license query here	Assuming all dealer leases are outside federal Regulation M or that part 213 is obsolete

Captured table 13

Assigned subquestion or major branch · Status and claim/example links · Exact missing authority or facts · 53 data rows

Assigned subquestion or major branch	Status and claim/example links	Exact missing authority or facts	Next bounded permissible investigation
Q1 — Consumer-lease definition	Answered as law; application unresolved. C001	Actual product, purpose, term, threshold, actors	Retain gates in worksheet
Q1 — Lease versus credit sale	Answered/Unresolved. C006; E01	Complete ownership, consideration, and termination terms	Public generic form only if needed to illustrate classification
Q1 — Financed purchase/direct loan	Answered as distinction; excluded credit analysis. C007; E01	Actual loan/credit-sale classification and credit law	Preserve vehicle-credit parent hold
Q1 — Consumer purpose	Answered/Unresolved. C002; E03	Purpose before/at consummation	Retain blank; no purpose decision
Q1 — Personal property and motor vehicle	Answered/Unresolved. C003	Situs and applicable classification law	Preserve state/property hold
Q1 — Initial term and short rental	Answered/Unresolved. C004; E02	Initial obligation and continuation penalty	Retain exact term/penalty fields
Q1 — Organization and guarantor exclusions	Answered/Unresolved. C005, C011; E15	Contracting capacity and actual roles	Retain role fields
Q1 — Total contractual obligation	Answered/Unresolved. C008; E04	Included/excluded contractual amounts	No amount computation
Q1 — Actual annual threshold	Answered for 2026. C009	Actual consummation year	Use the year-specific published rule if a later bounded assignment requires another year
Q1 — Transition and continuing exemption	Answered/Unresolved. C010	Original coverage and whether later transaction is genuinely new	Keep continuation/replacement separate
Q1 — Lessor frequency and lessee status	Answered/Unresolved. C011	Frequency and actual contractual role	No actor/roster inquiry
Q1 — Arranger and assignee	Answered/Unresolved. C012–C013	Compensation, preparation, substantial involvement	Retain role predicates; no opinion expansion necessary now
Q1 — Auto-dealer exclusion/exceptions	Answered/Unresolved. C014; E19	Statutory dealer and functional conditions	No license/entity query
Q1 — Continuing Board part 213	Answered; annual-edition gap retained. C015	2026 annual part 213 body unavailable	Reattempt only a lawful public official source if necessary
Q1 — Incidental real-property/service exclusions	Answered as conditions. C016	Whether any actual arrangement meets them	Preserve other-asset/real-property hold
Q1 — Geographic scope	Answered at comment level; broader law excluded. C017	Branch, residence, choice-of-law facts	Preserve country/tribal/international hold
Q2 — Complete statutory reasonableness standard	Answered. C019; E09	Actual charge and evidentiary justification	No actual reasonableness determination
Q2 — Both parties’ early-termination conditions	Answered. C018, C020; E05	Agreed termination rights and conditions	Retain contract field
Q2 — Default/delinquency disclosure	Answered. C021	Actual charge classification	Retain charge categories
Q2 — Default triggering early termination	Answered. C022; E06	Actual trigger and disclosure package	Keep both provisions in audit
Q2 — Vehicle early-termination warning	Answered. C023	Actual supplied warning/presentation	No unseen-form compliance finding
Q2 — Collection-cost exception	Answered. C024; E17	Automatic versus contingent trigger	Keep disclosure and fee entitlement separate
Q2 — Simple-interest and extension charges	Answered. C025–C026; E18	Accounting terms and charge/rate	No calculation
Q2 — Cancellation, cure, acceleration, repossession	Federal disclosure boundary answered; rights unresolved/excluded. C027	Contract and other federal/state authority	Preserve parent enforcement holds
Q3 — Named-method allowance	Answered. C028; E07	Actual method incorporation and total-charge relationship	Generic public method/contract only if needed
Q3 — Written explanation and timing	Answered. C029–C030; E08	Request/response timing and content	No actual deadline calculation
Q3 — Actuarial/constant-yield equation	Unresolved and unnecessary to instantiate. C031	Actual incorporated equation and assumptions	Do not invent a calculator or equivalence
Q3 — Balance versus payment calculation	Answered distinction. C032, C036	Actual balance variables/credits	Preserve formula/application hold
Q3 — Capitalized-cost itemization request	Answered. C033	Request and delivery facts	Keep separate from method request
Q3 — Ordinary charges and purchase option	Answered. C034–C035	Actual option, price/method, ordinary charges	Preserve contract/state hold
Q3 — Realized value alternatives/adjustments	Answered. C037–C038; E11	Sale/offer/FMV facts; agreed basis	No vehicle-value or disposition-record inquiry
Q3 — Open/closed-end and conditional liability	Answered. C039–C040; E10	Actual end-liability allocation	No immediate-debt conclusion
Q3 — Appraisal right and exceptions	Answered. C041–C044; E16	Actual trigger, valuation basis, agreed professional, timing	Preserve blank appraisal fields
Q3 — Ordinary-expiration residual protections	Answered. C045–C050; E10	Estimate, realization, wear/use causation, event type	No court filing/remedy advice
Q3 — Other-asset residual cross-reference	Boundary answered; broader component excluded. C051	Other asset’s complete legal framework	Preserve other-asset financing
Q4 — Timing/form/clear conspicuousness	Answered. C052	Actual formation/delivery/presentation	No unseen-document compliance finding
Q4 — Exact segregation and multiple parties	Answered. C053–C054	Actual package and recipient status	Retain presentation/role fields
Q4 — Language/model/additional information	Answered. C055–C056	Actual request and form use	Pixel review only if a later authorized generic form review needs it
Q4 — Estimates and later events	Answered. C057–C058	Reasonable-effort evidence and subsequent event	No valuation inquiry
Q4 — Electronic delivery/consent	Answered framework; application unresolved. C059–C060; E13	Consent/access/withdrawal/retention facts	Retain electronic-delivery fields
Q4 — Renegotiation and initial coverage	Answered. C061, C065; E12	Satisfaction/replacement under applicable law	Do not equate continuation with a new contract
Q4 — Extension timing and all six exceptions	Answered. C062–C063; E12	Durations and exception predicates	No actual calendar computation
Q4 — Assumption	Answered disclosure rule only. C064	Release/assignment/fee enforceability	Preserve contract/state holds
Q4 — Necessary advertising cross-reference	Answered rule/text comparison; campaign compliance excluded. C066–C070	Actual medium, wording, availability; complete historical reconciliation if consequential	No ad creation/publication; further generic rule history only if necessary
Q4 — Final-rule dates/history	Answered within selected reads. S009–S011; C073	Complete intervening amendment history	Official section-history/annual-CFR follow-up only
Q4 — Current official codification	Partial. S008, S013–S016	Unretrieved 2026 annual editions/eCFR; post-compilation session-law audit	Preserve explicit currentness gap
Q4 — Guidance withdrawal	Excluded as unnecessary	No circular/bulletin/advisory relied upon	Check official register only if such guidance is later relied upon
Q4 — Published opinions	Excluded as unnecessary	No consequential opinion relied upon	No case-record or docket search
Q5 — Provision comparison and blank audit	Answered as generic tools	All actual application fields remain blank	Retain as generic worksheet
Q5 — Required failure branches	Answered: E01–E19	No actual facts assumed	Use only as qualitative analytical examples
Q5 — Avoided costs/mitigation/reletting	Answered as inference boundary. C072	Any actual contract/state duty and supporting facts	Preserve state/contract gap
Q5 — State enforceability and remedies	Federal boundary answered; substantive application excluded. C071–C073; E14	Applicable state law, actual claim/remedy prerequisites	Separately bounded published-law component only
Parent — Other A015 dimensions and acceptance	Excluded/preserved	Complete parent work remains outstanding	No parent/component/operations/publication acceptance

Captured table 14

Log item · What was actually read or attempted · Consequence for this report · 14 data rows

Log item	What was actually read or attempted	Consequence for this report
Fresh statutory reading	Complete necessary CLA operative clauses, credit-sale definition, annual-adjustment note, dealer exclusion, and E-SIGN clauses were read from official OLRC bodies.	No reliance on search snippets as statutory body text.
Regulation and interpretation reading	Necessary operative sections and official comments were read in CFPB’s integrated and selected standalone presentations; selected Board counterparts were also read.	Statute, regulation, and interpretation remain separately labeled. Duplicate presentations are not independent review.
Preliminary/unversioned OLRC failures	Specified preliminary and unversioned URLs returned failures/maintenance/access errors.	Versioned official bodies were used; their displayed October 7 compilation limit remains explicit.
eCFR access failure	Current part 1013 route encountered an access gate.	No workaround; no claim to have read the current eCFR body through that route.
Annual-edition failure	Requested 2026 part 1013 and part 213 PDFs were unavailable.	The 2025 annual text is historical; the 2026 threshold comes from the actual effective final rule. Full 2026 annual-codification confirmation remains open.
PDF read bounds	Selected parsed text from 2025 CFR and 2011 rules, at pages/indices listed in S008/S010.	Parsed text is not pixel inspection. No complete-PDF or unseen-form claim.
Screenshot attempts	Selected 2025 CFR screenshot requests produced unusable placeholders; requests for indices 21 and 23 timed out.	No screenshot was counted as a successful visual read.
Appendix route failure	/appendix-a/ failed; /a/ supplied commentary.	Only Appendix A comments were relied upon, not unseen model-form images.
Historical HTML failures	2011 GovInfo HTML routes failed; PDFs were obtained.	Historical dates and operative definitions were read from selected PDF text.
Historical parsed-text discrepancy	The retrieved 2011 preamble rendering used “exceeds” in a coverage description, while operative §1013.2(e)(1) uses not exceeding.	The operative clause, current agency body, and 2026 final-rule commentary control this report’s coverage statement. No pixel/errata investigation of the preamble discrepancy is claimed.
Terminology check	“Actuarial” was not found in the retrieved §4 text/comments; the named-method comment expressly uses constant yield as an example.	No inferred universal actuarial equation or synonym rule.
Search/discovery material	Indexes, search results, and nonprimary summaries helped locate primary bodies but were not used as operative law.	No FAQ, vendor calculator, private contract, or headnote foundation.
Contracts and calculations	No contract was needed or read; no worked charge/deadline illustration was undertaken.	No unsupported assumption set, payoff validation, APR validation, or individualized outcome.
Guidance and opinions	No circular/bulletin/advisory or separately read published opinion relied upon.	No withdrawal-register or later-case-history verification claimed; no docket/status inquiry.

Captured table 15

User question · Principal claims · Source families · 6 data rows

User question	Principal claims	Source families	Visible deliverable
1. Definitions, scope, actors, term, purpose, threshold, exclusions	C001–C018	S001–S003, S005–S007, S009	Coverage claim table; worksheet coverage fields; E01–E04, E15, E19
2. Complete charge limitation; early/default disclosures; rights boundaries	C019–C027	S001, S005, S007–S008	Charge table; event comparison; E05–E06, E09, E17–E18
3. Named methods, explanation requests, values, appraisal, ordinary end	C028–C051	S001, S005, S007–S008	Method/valuation and residual tables; request table; E07–E11, E16
4. Timing, form, electronic delivery, changed transactions, ads, currentness	C052–C071, C073	S001, S004–S017	Delivery/change table; currentness/source/read logs; E12–E14
5. Comparison, blank audit, qualitative failure branches, gaps	C001–C073	All relied-on source families	Sections 4–8, including nineteen branches
Owner limits, no actual determinations, no parent closure	C073; parent holds below	Research execution record and bounded source ledger	Self-check and explicit holds

Captured table 16

Check · Result · 16 data rows

Check	Result
Necessary charge statute read completely	§1667b(a)–(c) read; all §1667b(b) factors included
Necessary scope and exclusion conditions preserved	Product, purpose, personal property, initial term, threshold, organization, actor, dealer, incidental-lease, and geographic distinctions retained
Actual applicable annual threshold sourced	2026 final rule read; $73,400 and effective period stated; historical and consummation predicates retained
Disclosure separated from substantive validity	Explicit throughout claims and comparisons
Named method separated from total formula	Constant yield limited to the named balance-method allowance; contract variables unresolved
Requests and timing separated	At-consummation explanation, later reasonable-time explanation, itemization, appraisal, English, electronic withdrawal, and advertising requests distinguished
Ordinary expiration separated from early termination	Three-payment presumption not treated as a universal early-termination cap
Appraisal boundaries preserved	Realized-value trigger, independence/agreement/expense, retail-wholesale basis, reasonable-time qualification, and wear-only exclusion included
All six §5(d) exceptions included	Included in C063
Electronic delivery not assumed compliant	Consent, access, retention, content/timing, and narrow statutory exceptions preserved
Currentness limitations visible	2026 annual/eCFR failures and statutory compilation lag explicitly retained
Source-read integrity	Primary bodies read; PDF text not called pixels; unseen forms not certified
Actual persons/records/identifiers	No actual or invented identifier queries or entries
External actions	No contacts, filings, purchases, account changes, site publication, or record requests
Foundation	No prior saved report or unreviewed earlier component used
Outcome limits	No actual amount, deadline, eligibility, liability, standing, remedy, or filing decision

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R015-P1-C001 Saved research record

A consumer lease requires a bailment/lease of personal property to a natural person, primarily for personal/family/household purposes, for an initial term exceeding four months, within the applicable contractual-obligation threshold.

Recorded check status: conditional framework reviewed source application parent holds preserved

Source pinpoint: S001 §1667(1); S005 §1013.2(e)(1), comments 2(e)-1–3, 9–11
Trigger, conditions, exceptions, and status/limits: S/R/I. All gates matter. A purchase option does not alone remove coverage. A product label or supplied disclosure does not establish the underlying facts.

R015-P1-C002 Saved research record

Primary purpose is determined before or at consummation.

Recorded check status: conditional framework reviewed source application parent holds preserved

Source pinpoint: S005 comment 2(e)-1
Trigger, conditions, exceptions, and status/limits: I. Later changed use does not itself create an original Regulation M disclosure duty. Business/commercial/agricultural purpose is excluded; no actual purpose finding is made.

R015-P1-C003 Saved research record

Personal-property classification follows the law of the property’s location when offered or made available for lease; motor-vehicle classification for the vehicle disclosures also depends on applicable law.

Recorded check status: conditional framework reviewed source application parent holds preserved

Source pinpoint: S005 §2(l), comment 2(l)-1; comment 4(f)-1
Trigger, conditions, exceptions, and status/limits: R/I. A vehicle-like object is not classified solely by its marketing name. Actual location and classification law remain unknown.

R015-P1-C004 Saved research record

An initial four-month, three-month, month-to-month, or week-to-week term is ordinarily outside the consumer-lease definition, even if use continues beyond four months. A penalty for not continuing beyond four months changes that analysis.

Recorded check status: conditional framework reviewed source application parent holds preserved

Source pinpoint: S005 comment 2(e)-2
Trigger, conditions, exceptions, and status/limits: I. Official examples: a three-month lease continued monthly for a year remains excluded; a nominal monthly lease with deposit forfeiture for stopping before a year is treated as exceeding four months, subject to other gates.

R015-P1-C005 Saved research record

An organization lease is excluded even if an employee uses the property personally, a natural person guarantees it, or it is later assigned to a natural person.

Recorded check status: conditional framework reviewed source application parent holds preserved

Source pinpoint: S001 §1667(1)–(2); S005 §2(e)(2), (j), comments 2(e)-6, 2(j)-1
Trigger, conditions, exceptions, and status/limits: S/R/I. Organization includes corporation, trust, estate, partnership, cooperative, association, government entity/instrumentality; commentary includes joint ventures and persons operating under a business name. Actual legal capacity remains held.

R015-P1-C006 Saved research record

A purported lease meeting the credit-sale definition is excluded from Regulation M.

Recorded check status: conditional framework reviewed source application parent holds preserved

Source pinpoint: S002 §1602(h); S005 §2(e)(2), comment 2(e)-4; S006 §§226.2(a)(16), 1026.2(a)(16)
Trigger, conditions, exceptions, and status/limits: S/R/I. Relevant lease/bailment test combines substantially equivalent-or-greater compensation for property/services with automatic or nominal/no-extra-consideration ownership. Regulation Z’s definition excepts a lease terminable without penalty at any time by the consumer. Actual classification requires the agreement.

R015-P1-C007 Saved research record

A financed purchase may be a loan rather than a seller credit sale; neither label makes it a consumer lease.

Recorded check status: conditional framework reviewed source application parent holds preserved

Source pinpoint: S006 comment 2(a)(16)-2; S005 §2(e)
Trigger, conditions, exceptions, and status/limits: I/INF. A seller-arranged loan payable to the financial institution is the comment’s loan example. Regulation Z coverage, APR, usury, and loan remedies are not resolved here.

R015-P1-C008 Saved research record

Total contractual obligation is not necessarily total disclosed payments.

Recorded check status: conditional framework reviewed source application parent holds preserved

Source pinpoint: S005 comment 2(e)-3; S009 revised comment 2(e)-3
Trigger, conditions, exceptions, and status/limits: I. Includes nonrefundable amounts contractually owed to the lessor; excludes residual/purchase-option amounts and amounts collected for payment to third parties, such as taxes, licenses, and registration. No actual total has been computed.

R015-P1-C009 Saved research record

The 2026 threshold is $73,400, for January 1–December 31, 2026.

Recorded check status: conditional framework reviewed source application parent holds preserved

Source pinpoint: S009, comments 2(e)-11(xvii) for parts 213/1013
Trigger, conditions, exceptions, and status/limits: Final rule/I. “Not exceeding” includes equality. Published transition entries include $25,000 before July 21, 2011; $50,000 July 21–December 31, 2011; $51,800 for 2012; $71,900 for 2025. These are sourced historical amounts, not present eligibility findings.

R015-P1-C010 Saved research record

The threshold in effect at consummation controls; a lease exempt because it exceeded that threshold remains exempt despite a later annual increase.

Recorded check status: conditional framework reviewed source application parent holds preserved

Source pinpoint: S005 comments 2(e)-9–11; S009; S002 inflation note
Trigger, conditions, exceptions, and status/limits: I/S. Annual changes take effect January 1 using the specified CPI-W mechanism and rounding. A non-increase does not reduce the operative threshold; the commentary supplies later catch-up mechanics. Extension, replacement, and a genuinely new transaction must be distinguished.

R015-P1-C011 Saved research record

A lessee is a natural person entering or offered a consumer lease; a guarantor is not a lessee. A lessor regularly leases, offers, or arranges covered leases.

Recorded check status: conditional framework reviewed source application parent holds preserved

Source pinpoint: S005 §2(g)–(h), comment 2(g)-1
Trigger, conditions, exceptions, and status/limits: R/I. Regularity means more than five leases/offers/arrangements in the preceding calendar year or more than five in the current calendar year. Actual roles and frequency are unestablished.

R015-P1-C012 Saved research record

Arranger status requires the defined relationship and either compensation/actual consideration or knowledge of terms plus participation in contract preparation.

Recorded check status: conditional framework reviewed source application parent holds preserved

Source pinpoint: S005 comments 2(h)-1–2
Trigger, conditions, exceptions, and status/limits: I. Mere unpaid referral without document preparation is the contrary example. Intangible increased-business benefit is not the required “other consideration.”

R015-P1-C013 Saved research record

An assignee may be a lessor when substantially involved in the lease transaction.

Recorded check status: conditional framework reviewed source application parent holds preserved

Source pinpoint: S005 comment 2(h)-3
Trigger, conditions, exceptions, and status/limits: I. Assignment alone is not a universal lessor-status conclusion. The opinion cited within the comment was not independently read or used as a separate holding.

R015-P1-C014 Saved research record

CFPB part 1013 excludes persons within the statutory auto-dealer exclusion, subject to its functional exceptions.

Recorded check status: conditional framework reviewed source application parent holds preserved

Source pinpoint: S003 §5519(a)–(b), (f); S005 §1013.1(b)
Trigger, conditions, exceptions, and status/limits: S/R. Predicate: qualifying dealer predominantly engaged in sale-and-servicing or leasing-and-servicing. Exceptions apply to the extent of mortgage/real-property self-financing services; direct retail credit/leases not routinely assigned to unaffiliated finance/leasing sources; or unrelated consumer financial products/services. Dealer definition requires the statutory licensing and title/ownership/custody conditions. No actual license inquiry occurred.

R015-P1-C015 Saved research record

Part 213 remains material for dealers excluded from CFPB authority; it is not universally obsolete.

Recorded check status: conditional framework reviewed source application parent holds preserved

Source pinpoint: S003 §5519(c); S007; S009 jurisdiction discussion and dual amendments
Trigger, conditions, exceptions, and status/limits: S/R/final rule. The 2026 rule amended both parts. Section 5519’s vehicle definition includes road vehicles, recreational boats/marine equipment, motorcycles, specified recreational vehicles/campers, and other vehicles titled and sold through dealers. That jurisdictional definition does not resolve every asset’s Regulation M classification.

R015-P1-C016 Saved research record

Additional exclusions have specific conditions.

Recorded check status: conditional framework reviewed source application parent holds preserved

Source pinpoint: S005 §2(e)(3), comments 2(e)-7–8
Trigger, conditions, exceptions, and status/limits: R/I. Personal property incidental to a real-property lease is excluded only with no end-value liability except abnormal wear and no purchase option. Listed service-incidental examples are programming-reception equipment, home-security equipment, and propane tanks. Safe-deposit-box leases are excluded. No general exclusion for every bundled service is inferred.

R015-P1-C017 Saved research record

The official interpretation distinguishes U.S.-branch/resident transactions from specified foreign-branch transactions.

Recorded check status: conditional framework reviewed source application parent holds preserved

Source pinpoint: S005 comment 1-1; §2(p)
Trigger, conditions, exceptions, and status/limits: I. U.S. branches offering leases to residents of a defined “State,” including foreign nationals, are within the stated scope subject to the dealer exception. Specified foreign-branch transactions abroad are excluded. International, tribal, choice-of-law, and actual residence questions remain held.

R015-P1-C018 Saved research record

The statute requires advance disclosure of termination conditions and charge amounts or methods.

Recorded check status: conditional framework reviewed source application parent holds preserved

Source pinpoint: S001 §1667a opening and (11)
Trigger, conditions, exceptions, and status/limits: S. Applies to the lessor and covered lease; identifies both lessee- and lessor-initiated termination conditions. It is a disclosure obligation, not an independent grant of every described contractual power.

R015-P1-C019 Saved research record

Penalties or other charges for delinquency, default, or early termination may be specified only in a reasonable amount.

Recorded check status: conditional framework reviewed source application parent holds preserved

Source pinpoint: S001 §1667b(b); S005 comment 4(q)-5
Trigger, conditions, exceptions, and status/limits: S/I. Complete enumerated factors: anticipated or actual harm caused by the event; difficulties of proving loss; inconvenience or nonfeasibility of otherwise obtaining an adequate remedy. Neither actual loss alone nor disclosure alone is the entire statutory test.

R015-P1-C020 Saved research record

Early-termination disclosure must state the conditions under which either party may terminate before the scheduled end, and the charge amount or method.

Recorded check status: conditional framework reviewed source application parent holds preserved

Source pinpoint: S005 §4(g)(1), comments 1–2
Trigger, conditions, exceptions, and status/limits: R/I. Charges must be reasonable. A full, accurate description not intended to mislead can comply even if complex. That disclosure standard does not adjudicate substantive reasonableness.

R015-P1-C021 Saved research record

Delinquency, default, and late-payment penalties or charges require disclosure of their amount or determining method.

Recorded check status: conditional framework reviewed source application parent holds preserved

Source pinpoint: S005 §4(q)
Trigger, conditions, exceptions, and status/limits: R. Reasonableness is expressly required. Ordinary contractual payment obligations and event-related charges must first be correctly classified.

R015-P1-C022 Saved research record

Default that is a condition for early termination engages both §4(g)(1) and §4(q).

Recorded check status: conditional framework reviewed source application parent holds preserved

Source pinpoint: S005 comments 4(g)(1)-4, 4(q)-2
Trigger, conditions, exceptions, and status/limits: I. The disclosures may be combined but need not be. A default label does not remove the early-termination disclosure requirement.

R015-P1-C023 Saved research record

Motor-vehicle leases require the prescribed substantially similar early-termination warning.

Recorded check status: conditional framework reviewed source application parent holds preserved

Source pinpoint: S005 §4(g)(2)
Trigger, conditions, exceptions, and status/limits: R. It warns of a potentially substantial charge, timing dependence, and the likelihood of a greater charge earlier in the term. It is an advance disclosure, not an event-specific default notice or cure deadline.

R015-P1-C024 Saved research record

Automatic collection costs or attorney fees upon default must be disclosed under §4(q); specified contingent costs need not be.

Recorded check status: conditional framework reviewed source application parent holds preserved

Source pinpoint: S005 comment 4(q)-1
Trigger, conditions, exceptions, and status/limits: I. The exception concerns costs contingent on actual collection-related expenditures or employment of an attorney to collect. It is a disclosure exception, not permission to recover any fee.

R015-P1-C025 Saved research record

Normal additional rent in a simple-interest accounting lease is treated differently from an increased default rate.

Recorded check status: requires bounded rent charge unit or comment pinpoint precision

Source pinpoint: S005 comment 4(q)-3
Trigger, conditions, exceptions, and status/limits: I. Normal rent accruing because payment is late, or after termination because property is not returned, is not characterized there as a late/default charge. A rate above normal requires disclosure of the additional amount or method. Lawfulness remains separate.

R015-P1-C026 Saved research record

Certain extension charges belong in the delinquency-charge disclosure.

Recorded check status: requires bounded rent charge unit or comment pinpoint precision

Source pinpoint: S005 comment 4(q)-4
Trigger, conditions, exceptions, and status/limits: I. Applies to extension charges exceeding rent in a simple-interest accounting lease or added separately. Section 5’s new-disclosure exceptions do not independently authorize the fee.

R015-P1-C027 Saved research record

These disclosure provisions do not establish a universal right to cancel, accelerate, repossess, obtain cure, or collect a particular payoff.

Recorded check status: conditional framework reviewed source application parent holds preserved

Source pinpoint: S001 §§1667a(11), 1667b(b), 1667e; S005 §§4(g), 4(q), 9
Trigger, conditions, exceptions, and status/limits: INF from the provisions’ function. Contractual entitlement, conditions precedent, other federal law, and state enforceability require separate authority and facts. No actual rights determination is made.

R015-P1-C028 Saved research record

A generally accepted method may be named for the unamortized-cost/adjusted-lease-balance portion of the early-termination calculation.

Recorded check status: conditional framework reviewed source application parent holds preserved

Source pinpoint: S005 comment 4(g)(1)-2
Trigger, conditions, exceptions, and status/limits: I. “Constant yield” is the official example. The lessor must still specify how that figure and every other term or figure are used in the total charge. Naming it does not supply the entire contract formula.

R015-P1-C029 Saved research record

Using that named-method option creates a duty to provide its written explanation on the consumer’s request.

Recorded check status: conditional framework reviewed source application parent holds preserved

Source pinpoint: S005 comment 4(g)(1)-2
Trigger, conditions, exceptions, and status/limits: I. Lessor is the responding actor; consumer is the requester/recipient. The explanation may instead be supplied routinely in the lease or a separate document. The comment does not require the request itself to be written.

R015-P1-C030 Saved research record

A request at consummation requires the written explanation then; a later request requires it within a reasonable time after the request.

Recorded check status: conditional framework reviewed source application parent holds preserved

Source pinpoint: S005 comment 4(g)(1)-3
Trigger, conditions, exceptions, and status/limits: I. An address or telephone number may be supplied for requests, but does not postpone the at-consummation duty. No fixed number of days is supplied.

R015-P1-C031 Saved research record

A named method alone does not establish its inputs, timing conventions, credits, valuation choice, ancillary charges, or resulting lawful amount.

Recorded check status: conditional framework reviewed source application parent holds preserved

Source pinpoint: S005 comments 4(g)(1)-2–3
Trigger, conditions, exceptions, and status/limits: INF/U. No contract method or equation was adopted here. “Actuarial” was not found in the retrieved §4 text/comments; no universal equivalence between actuarial and constant-yield terminology is asserted.

R015-P1-C032 Saved research record

When liability is based on unamortized cost minus realized value, the method for that difference must be disclosed. Scheduled-payment disclosures are not a universal early-termination payoff formula.

Recorded check status: conditional framework reviewed source application parent holds preserved

Source pinpoint: S005 comment 4(g)(1)-5; §4(f)
Trigger, conditions, exceptions, and status/limits: I/INF. The subtraction is conditional on the actual lease method. Other charge components and legal limits remain separate. No numerical illustration is supplied.

R015-P1-C033 Saved research record

A requested gross-capitalized-cost itemization must be supplied before consummation.

Recorded check status: conditional framework reviewed source application parent holds preserved

Source pinpoint: S005 §4(f)(1), comment 4(f)(1)-2
Trigger, conditions, exceptions, and status/limits: R/I. Itemize by type and amount; provide with the other required disclosures, outside the segregated disclosures. Routine provision removes the need to state the option to request it. This is a different request from a named-method explanation.

R015-P1-C034 Saved research record

Ordinary anticipated end-of-term charges have a distinct disclosure location.

Recorded check status: requires bounded rent charge unit or comment pinpoint precision

Source pinpoint: S005 §4(d), comments 4(d)-1–3
Trigger, conditions, exceptions, and status/limits: R/I. Examples include disposition/pickup charges. Early-termination, default, deferment, and extension charges are not collapsed into this category. Residual-value liability is separately addressed in §4(k).

R015-P1-C035 Saved research record

A purchase option is separately disclosed and is not interchangeable with return/termination liability.

Recorded check status: requires bounded rent charge unit or comment pinpoint precision

Source pinpoint: S005 §4(i), comments 4(i)-1–4
Trigger, conditions, exceptions, and status/limits: R/I. Disclose its existence or absence; end-of-term price; during-term price or method and when exercisable. Whether an option exists depends on applicable law. A mere opportunity to bid is not necessarily an option; an unspecified negotiated price or bare fair-market-value reference does not satisfy the stated certainty rule.

R015-P1-C036 Saved research record

Adjusted capitalized cost, residual value, and adjusted lease balance are different concepts.

Recorded check status: conditional framework reviewed source application parent holds preserved

Source pinpoint: S005 §2(f), (n); §4(f); comment 4(g)(1)-2
Trigger, conditions, exceptions, and status/limits: R/I. Adjusted capitalized cost is gross capitalized cost less capitalized-cost reduction, used for base payments. Residual is the end value estimated/assigned at consummation for that calculation. Adjusted lease balance is the unamortized-cost component addressed by the termination method.

R015-P1-C037 Saved research record

Realized value has defined alternatives, constrained by contract and applicable law.

Recorded check status: conditional framework reviewed source application parent holds preserved

Source pinpoint: S005 §2(m), comments 2(m)-1–2
Trigger, conditions, exceptions, and status/limits: R/I. Sold before liability determination: sale price or fair market value. Unsold then: highest offer or fair market value. Retail or wholesale valuation may be relevant. The realized amount itself is not a required advance disclosure; the applicable method/liability disclosures remain required.

R015-P1-C038 Saved research record

Disposition costs are not deducted in determining realized value; tax amounts may be.

Recorded check status: conditional framework reviewed source application parent holds preserved

Source pinpoint: S005 comments 2(m)-3–4
Trigger, conditions, exceptions, and status/limits: I. Withdrawn offers and offers from an unwilling/unable performer may be disregarded when finding the highest offer. This does not independently establish a right to a separate disposition fee.

R015-P1-C039 Saved research record

Open-end and closed-end describe ordinary end-of-term residual-value exposure.

Recorded check status: conditional framework reviewed source application parent holds preserved

Source pinpoint: S005 §2(d), (i), comment 2(d)-1
Trigger, conditions, exceptions, and status/limits: R/I. Open-end liability is based on residual minus realized value at the end. Closed-end means other than open-end. “Walk-away” does not establish zero mileage, wear, default, disposition, or early-termination charges.

R015-P1-C040 Saved research record

Residual-versus-realized liability, if any, must be disclosed for early termination or ordinary end.

Recorded check status: conditional framework reviewed source application parent holds preserved

Source pinpoint: S005 §4(k); S001 §1667a(4)–(5)
Trigger, conditions, exceptions, and status/limits: R/S. The phrase “if any” matters. This provision does not create the liability or establish that a shortfall is immediately collectible.

R015-P1-C041 Saved research record

A residual-value provision at termination carries the statutory independent-appraisal right; Regulation M requires its disclosure when liability at early termination or end depends on realized value.

Recorded check status: conditional framework reviewed source application parent holds preserved

Source pinpoint: S001 §1667b(c); S005 §4(l)
Trigger, conditions, exceptions, and status/limits: S/R. Lessee pays; professional independent third party must be agreed to by both parties; appraisal is final and binding. The regulation describes the value realizable at sale.

R015-P1-C042 Saved research record

The lessor’s own appraisal does not substitute for disclosure of the lessee’s independent-appraisal right.

Recorded check status: conditional framework reviewed source application parent holds preserved

Source pinpoint: S005 comments 4(l)-2–3
Trigger, conditions, exceptions, and status/limits: I. Disclose whether wholesale or retail appraisal value is used. Binding valuation does not, by itself, resolve every separate contractual or legal challenge to the total charge.

R015-P1-C043 Saved research record

Regulation M gives no fixed period for exercising the appraisal right.

Recorded check status: conditional framework reviewed source application parent holds preserved

Source pinpoint: S005 comment 4(l)-4
Trigger, conditions, exceptions, and status/limits: I. A lessor may require appraisal within a reasonable time after termination. No actual period’s reasonableness or deadline is decided.

R015-P1-C044 Saved research record

Wear/use liability alone does not trigger the independent-appraisal disclosure; a closed-end lease may nevertheless need it for an early realized-value calculation.

Recorded check status: conditional framework reviewed source application parent holds preserved

Source pinpoint: S005 comment 4(l)-1; Appendix A comment 3
Trigger, conditions, exceptions, and status/limits: I. The official wear example compares damaged condition with reasonably maintained condition. The Appendix A comment identifies the closed-end model’s early-termination appraisal context; the image itself was not inspected.

R015-P1-C045 Saved research record

When expiration liability is based on estimated residual value, the estimate must reasonably approximate anticipated actual fair market value at expiration.

Recorded check status: conditional framework reviewed source application parent holds preserved

Source pinpoint: S001 §1667b(a), first sentence
Trigger, conditions, exceptions, and status/limits: S. This is an ordinary-expiration residual-liability rule, not an invented valuation of any vehicle.

R015-P1-C046 Saved research record

The statute creates rebuttable presumptions of unreasonableness and lack of good faith for the specified excess residual estimate.

Recorded check status: conditional framework reviewed source application parent holds preserved

Source pinpoint: S001 §1667b(a); S005 §4(m)(2)
Trigger, conditions, exceptions, and status/limits: S/R. Statutory benchmark: more than three times the average payment allocable to a month. Regulatory disclosure: more than three base monthly payments, or the stated average for nonmonthly payments. It is not a universal early-termination cap.

R015-P1-C047 Saved research record

Collection of the specified excess residual liability is subject to the statutory successful-action requirement and attorney-fee provision.

Recorded check status: conditional framework reviewed source application parent holds preserved

Source pinpoint: S001 §1667b(a); S005 §4(m)(2), comment 4(m)-2
Trigger, conditions, exceptions, and status/limits: S/R/I. The interpretation says the lessor pays the lessee’s reasonable attorney fees in all actions under this residual-liability provision, successful or not. No actual standing, filing, award, or remedy conclusion follows.

R015-P1-C048 Saved research record

The residual presumptions do not apply to the extent the excess is caused by physical damage beyond reasonable wear/use or excessive use.

Recorded check status: conditional framework reviewed source application parent holds preserved

Source pinpoint: S001 §1667b(a); S005 §4(m)(2)
Trigger, conditions, exceptions, and status/limits: S/R. Contractual wear/use standards must not be unreasonable. The causation and “to the extent” qualifications prevent treating every shortfall as either exempt or presumptively unlawful.

R015-P1-C049 Saved research record

A willing lessee and lessor may make a mutually agreeable final adjustment of excess residual liability after termination.

Recorded check status: conditional framework reviewed source application parent holds preserved

Source pinpoint: S001 §1667b(a), final sentence; S005 §4(m)(3)
Trigger, conditions, exceptions, and status/limits: S/R. This is not approval of an advance waiver, compelled settlement, or actual agreement.

R015-P1-C050 Saved research record

The §4(m)(2) limitation disclosure does not apply to early termination or the alternative minimum term; its presumption does not govern every end charge.

Recorded check status: conditional framework reviewed source application parent holds preserved

Source pinpoint: S005 comments 4(m)(2)-1–3
Trigger, conditions, exceptions, and status/limits: I. Listed other charges include disposition, excess mileage, late/default charges, and certain simple-interest unamortized balances caused by untimely payments. Their exclusion from this presumption does not make them automatically lawful.

R015-P1-C051 Saved research record

Open-end leases require the specified rent-and-other-charges disclosure; nonvehicle open-end leases retain a statutory end-liability cross-reference.

Recorded check status: conditional framework reviewed source application parent holds preserved

Source pinpoint: S005 §4(m)(1), comment 4(m)(1)-1; §4(t); S001 §1667a(10)
Trigger, conditions, exceptions, and status/limits: R/I/S. Required acquisition/disposition/assignment charges may be included; nonrequired third-party services such as voluntary insurance are excluded from this particular financing-cost disclosure. Other asset-financing analysis remains held.

R015-P1-C052 Saved research record

Required disclosures must be clear/conspicuous, in a retainable written form, together in the prescribed dated presentation, before consummation.

Recorded check status: conditional framework reviewed source application parent holds preserved

Source pinpoint: S001 §1667a opening/closing; S005 §3(a), (a)(1), (a)(3) and comments
Trigger, conditions, exceptions, and status/limits: S/R/I. They may be in the contract or a separate statement; permitted split presentation still requires contemporaneous delivery. Contract formation/consummation depends on state or other applicable law. Reasonably understandable and legible are the stated standards.

R015-P1-C053 Saved research record

The mandatory segregated group is exact, not every lease term.

Recorded check status: conditional framework reviewed source application parent holds preserved

Source pinpoint: S005 §3(a)(2)
Trigger, conditions, exceptions, and status/limits: R. §§4(b)–(f), (g)(2), (h)(3), (i)(1), (j), and (m)(1); only directly related/permitted information; headings/content/format substantially similar to the applicable model. Detailed §4(g)(1) and §4(q) terms are not in that enumerated group.

R015-P1-C054 Saved research record

One lessor may disclose on behalf of multiple lessors, and delivery may be to any primarily liable lessee.

Recorded check status: conditional framework reviewed source application parent holds preserved

Source pinpoint: S005 §3(c); comments 3(a)(1)-4–5, 3(c)-1
Trigger, conditions, exceptions, and status/limits: R/I. Identify all lessors/lessees and provide all required transaction disclosures. Regulation M does not itself require the lessee’s signature on the disclosure statement.

R015-P1-C055 Saved research record

Non-English disclosures are permitted if English is available on the lessee’s request; additional information must not obscure required disclosures.

Recorded check status: conditional framework reviewed source application parent holds preserved

Source pinpoint: S005 §3(a)(4), (b)
Trigger, conditions, exceptions, and status/limits: R. No fixed post-request day count is supplied here. Nonsegregated state disclosures may be included consistently with these standards.

R015-P1-C056 Saved research record

Proper use of an applicable model form can satisfy corresponding disclosure requirements.

Recorded check status: conditional framework reviewed source application parent holds preserved

Source pinpoint: S001 §1667f(b)(4); S005 Appendix A comments 1–4
Trigger, conditions, exceptions, and status/limits: S/I. This is bounded disclosure protection, not approval of every contract term or amount. No unseen form layout is certified.

R015-P1-C057 Saved research record

Estimates require reasonable efforts, best reasonably available information, appropriate identification, and no evasion.

Recorded check status: conditional framework reviewed source application parent holds preserved

Source pinpoint: S005 §3(d), comments 1–5
Trigger, conditions, exceptions, and status/limits: R/I. Open-end residual estimates must be reasonable; accepted trade publications or better experience-based information may be used. Retail/wholesale choice must fit the lessor’s general practice and be identified. No actual valuation source was queried.

R015-P1-C058 Saved research record

A subsequent event making an originally accurate disclosure inaccurate does not itself violate Regulation M.

Recorded check status: conditional framework reviewed source application parent holds preserved

Source pinpoint: S005 §3(e), comments 1–3
Trigger, conditions, exceptions, and status/limits: R/I. New disclosures may still be required by §5. Commentary about necessary/proper protective action after nonperformance is not an independent repossession or security-right grant.

R015-P1-C059 Saved research record

Electronic lease disclosures are subject to E-SIGN consumer-consent and other applicable requirements.

Recorded check status: conditional framework reviewed source application parent holds preserved

Source pinpoint: S005 §3(a); S004 §7001(c)(1)
Trigger, conditions, exceptions, and status/limits: R/S. Affirmative unwithdrawn consent; advance disclosure of paper option, withdrawal procedures/consequences/fees, consent scope, contact-update procedure, and paper-copy procedure/fee; hardware/software information; electronic consent/confirmation reasonably demonstrating access. Material system changes risking access require revised information, renewed access confirmation, and the specified fee-free withdrawal protection.

R015-P1-C060 Saved research record

E-SIGN does not erase substantive content/timing duties or every paper/retention protection.

Recorded check status: conditional framework reviewed source application parent holds preserved

Source pinpoint: S004 §7001(b), (c)(2)–(6), (d)–(f); S005 §3(a)
Trigger, conditions, exceptions, and status/limits: S/R. Preserve applicable verification, accessibility, retention/reproduction, and proximity requirements. Withdrawal operates prospectively within a reasonable processing period. The narrow rule against invalidating a contract solely for failure of §7001(c)(1)(C)(ii) does not establish disclosure compliance. Legacy-consent and oral-communication qualifications are not assumed satisfied. Electronic advertising has its own §3(a) exception; it is not blanket consent for lease disclosures.

R015-P1-C061 Saved research record

A covered lease satisfied and replaced by a new lease with the same consumer is a renegotiation requiring new disclosures unless §5(d) applies.

Recorded check status: conditional framework reviewed source application parent holds preserved

Source pinpoint: S005 §5(a); comment 5-1; comment 5(a)-1
Trigger, conditions, exceptions, and status/limits: R/I. State/other law determines satisfaction and replacement. Section 5 applies only to existing covered leases; it does not turn an originally short rental into coverage merely through continuation. A genuinely new transaction still requires its own classification. Disclosures must reflect the renegotiated legal obligation.

R015-P1-C062 Saved research record

An agreed continuation beyond the original end is an extension unless it is a renegotiation; extensions exceeding six months ordinarily require new disclosures.

Recorded check status: conditional framework reviewed source application parent holds preserved

Source pinpoint: S005 §5(b), comments 5(b)-1–3
Trigger, conditions, exceptions, and status/limits: R/I. Fixed term over six months: when agreed. Monthly continuation: start of seventh month and each seventh month thereafter. Varying terms: start of the term crossing six months beyond the original end. Disclose the extension period, upfront costs, and monthly nature where applicable.

R015-P1-C063 Saved research record

Section 5(d) contains six specified new-disclosure exceptions.

Recorded check status: requires bounded rent charge unit or comment pinpoint precision

Source pinpoint: S005 §5(d)(1)–(6)
Trigger, conditions, exceptions, and status/limits: R. Rent reduction; deferment of one or more payments with or without fee; extension no longer than six months; substantially equivalent-or-greater-value replacement property with no other term changed; multiple-item changes where average periodic payment changes no more than 25%; agreement resulting from a court proceeding. These are disclosure exceptions, not fee/enforceability approvals.

R015-P1-C064 Saved research record

Assumption by another person does not require new Regulation M disclosures, with or without an assumption fee.

Recorded check status: conditional framework reviewed source application parent holds preserved

Source pinpoint: S005 §5(c)
Trigger, conditions, exceptions, and status/limits: R. Does not determine release of the original lessee, assignment validity, or fee lawfulness.

R015-P1-C065 Saved research record

Disclosures follow the full legal obligation, not an optional minimum period alone.

Recorded check status: conditional framework reviewed source application parent holds preserved

Source pinpoint: S005 comment 3(a)-1
Trigger, conditions, exceptions, and status/limits: I. Official example: a three-year lease permitting penalty-free termination after one year is disclosed over three years; the minimum matters to the early-termination provisions. No universal minimum term or cancellation entitlement is inferred.

R015-P1-C066 Saved research record

Specified advertised payment terms trigger additional clear/conspicuous disclosures.

Recorded check status: conditional framework reviewed source application parent holds preserved

Source pinpoint: S001 §1667c(a); S005 §7(a), (b), (d), comments 7(a), 7(d)
Trigger, conditions, exceptions, and status/limits: S/R/I. Trigger: any payment amount, capitalized-cost reduction/other initial payment, or no-payment statement. Required terms: lease status; total due by consummation/delivery as applicable; number/amount/timing of payments; security-deposit status; conditional end residual-liability warning. Terms must actually be usually/customarily available. Advertising scope is not limited simply to contractual lessors.

R015-P1-C067 Saved research record

Catalog/electronic and merchandise-tag alternatives have specific conditions.

Recorded check status: conditional framework reviewed source application parent holds preserved

Source pinpoint: S005 §7(c), (e), comments 7(c)-1–2, 7(e)-1
Trigger, conditions, exceptions, and status/limits: R/I. A triggering term must clearly direct to the required table/schedule; a direct electronic link is an example. Separate flyers in one envelope are not automatically one multipage ad. A merchandise tag may refer to a prominently posted in-business sign/display containing the required table; the alternative includes multiple-item leases.

R015-P1-C068 Saved research record

TV/radio alternative disclosure requires core on-air terms plus the specified telephone or print route.

Recorded check status: conditional framework reviewed source application parent holds preserved

Source pinpoint: S005 §7(f)(1)–(2), comments 7(f)(1)-1–4
Trigger, conditions, exceptions, and status/limits: R/I. On-air §§7(d)(2)(i)–(iii); toll-free number with explanation of its purpose, or identified general-circulation publication/date and required information. The regulation specifies publication beginning at least three days before and ending at least ten days after broadcast. Number available at least ten days beginning broadcast; information oral or written on request. Nonlocal toll-free/reverse-charge and early recorded-menu access conditions are explained in comments.

R015-P1-C069 Saved research record

The statutory radio alternative must be kept distinct from the regulation’s TV/radio wording.

Recorded check status: conditional framework reviewed source application parent holds preserved

Source pinpoint: S001 §1667c(c)(1)–(3)
Trigger, conditions, exceptions, and status/limits: S. Statute expressly includes total scheduled payments in addition to number/amount/dates; states the publication window and name/dates; requires the number by broadcast, maintained at least ten days, information to callers, and writing if requested. No advertised campaign or reconciliation of every historical regulatory modification is adjudicated here.

R015-P1-C070 Saved research record

A lease percentage rate is not a validated APR.

Recorded check status: conditional framework reviewed source application parent holds preserved

Source pinpoint: S005 §§4(s), 7(b)(2), comments 4(s)-1, 7(b)(2)-1
Trigger, conditions, exceptions, and status/limits: R/I. Required notice says the percentage may not measure overall financing cost; “annual percentage rate,” “annual lease rate,” or equivalent is prohibited. Rate is outside segregated disclosures; advertising notice must be proximate, not an asterisk elsewhere, with the prescribed prominence limit.

R015-P1-C071 Saved research record

State consumer-lease law is preserved except to the extent of inconsistency; greater protection is not treated as inconsistent.

Recorded check status: conditional framework reviewed source application parent holds preserved

Source pinpoint: S001 §1667e(a)–(b); S005 §9(a)–(b)
Trigger, conditions, exceptions, and status/limits: S/R. A state official may seek a preemption determination. State-class exemption requires substantially similar/greater protection and adequate enforcement; no exemption extends to the listed federal civil-liability provisions. No actual state exemption or state restriction was surveyed.

R015-P1-C072 Saved research record

Avoided costs, mitigation, reletting, and disposition evidence may matter to a reasonableness inquiry, but are not additional enumerated federal factors in §1667b(b).

Recorded check status: conditional framework reviewed source application parent holds preserved

Source pinpoint: S001 §1667b(b); S005 comments 2(m)-2–4, 4(q)-5
Trigger, conditions, exceptions, and status/limits: INF. They may inform anticipated/actual harm or other applicable law. This report does not establish a universal federal duty to relet, a particular disposition procedure, or an automatic avoided-cost deduction.

R015-P1-C073 Saved research record

Neither a lawful amount nor a complete currentness/remedy conclusion can be derived from this record.

Recorded check status: conditional framework reviewed source application parent holds preserved

Source pinpoint: S001–S017; application holds below
Trigger, conditions, exceptions, and status/limits: U. Contract, charge classification, variables, consent, termination event, value evidence, jurisdiction, state law, and complete intervening history remain unresolved. No actual liability, standing, collection, filing, or remedial outcome is decided.

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.

Search this report’s sources

R015-P1-S001 Saved research record

OLRC — Consumer Leasing Act statutory family. https://uscode.house.gov/us/usc/119-118/t15/s1667/ https://uscode.house.gov/us/usc/119-118/t15/s1667a/ https://uscode.house.gov/us/usc/119-118/t15/s1667b/ https://uscode.house.gov/us/usc/119-118/t15/s1667c/ https://uscode.house.gov/us/usc/119-118/t15/s1667e/ https://uscode.house.gov/us/usc/119-118/t15/s1667f/

Recorded check status: fresh selected body

Exact clauses/comments and read bounds: Fresh complete operative bodies: §1667 definitions (1)–(5); §1667a opening, (1)–(11), closing; §1667b(a)–(c); §1667c(a)–(c); §1667e(a)–(b); §1667f(a)–(b). Selected effective-date/editorial notes also read. HTML; no PDF index.
Version/effective predicate; status and limits: Displayed compilation through P.L. 119-120, October 7, 2026. Statutory text and editorial notes distinguished. No §1667d remedies investigation or complete subsequent session-law audit. uscode.house.gov +5
Direct source URLs: https://uscode.house.gov/us/usc/119-118/t15/s1667/
https://uscode.house.gov/us/usc/119-118/t15/s1667a/
https://uscode.house.gov/us/usc/119-118/t15/s1667b/
https://uscode.house.gov/us/usc/119-118/t15/s1667c/
https://uscode.house.gov/us/usc/119-118/t15/s1667e/
https://uscode.house.gov/us/usc/119-118/t15/s1667f/
https://uscode.house.gov/us/usc/119-118/t15/s1667/?utm_source=chatgpt.com
https://uscode.house.gov/us/usc/119-118/t15/s1667a/?utm_source=chatgpt.com
https://uscode.house.gov/us/usc/119-118/t15/s1667b/?utm_source=chatgpt.com
https://uscode.house.gov/us/usc/119-118/t15/s1667c/?utm_source=chatgpt.com
https://uscode.house.gov/us/usc/119-118/t15/s1667e/?utm_source=chatgpt.com
https://uscode.house.gov/us/usc/119-118/t15/s1667f/?utm_source=chatgpt.com

R015-P1-S002 Saved research record

OLRC — TILA credit-sale definition and inflation authority. https://uscode.house.gov/us/usc/119-118/t15/s1602/ https://uscode.house.gov/us/usc/119-118/t15/s1603/

Recorded check status: fresh selected body

Exact clauses/comments and read bounds: Fresh §1602(h); §1603 “Adjustments for Inflation” note, P.L. 111-203 §1100E(b), and relevant 2010 effective-date note. Other visible §1603 exclusions were not used to complete vehicle-credit analysis. HTML.
Version/effective predicate; status and limits: Same displayed statutory-compilation limit. §1667’s older cross-reference to §1602(g) is explained by the editorial redesignation to (h). uscode.house.gov +1
Direct source URLs: https://uscode.house.gov/us/usc/119-118/t15/s1602/
https://uscode.house.gov/us/usc/119-118/t15/s1603/
https://uscode.house.gov/us/usc/119-118/t15/s1602/?utm_source=chatgpt.com
https://uscode.house.gov/us/usc/119-118/t15/s1603/?utm_source=chatgpt.com

R015-P1-S003 Saved research record

OLRC — 12 U.S.C. §5519, Exclusion for auto dealers. https://uscode.house.gov/us/usc/119-120/t12/s5519/

Recorded check status: fresh selected body

Exact clauses/comments and read bounds: Fresh complete (a)–(f), including all three functional exceptions, preservation of other-agency authority, and statutory vehicle/dealer definitions; effective-date note. HTML.
Version/effective predicate; status and limits: Dodd-Frank §1029; displayed compilation through October 7, 2026. No actual dealer, license, business-line, or assignment-practice determination. uscode.house.gov
Direct source URLs: https://uscode.house.gov/us/usc/119-120/t12/s5519/
https://uscode.house.gov/us/usc/119-120/t12/s5519/?utm_source=chatgpt.com

R015-P1-S004 Saved research record

OLRC — 15 U.S.C. §7001, E-SIGN general rule of validity. https://uscode.house.gov/us/usc/119-118/t15/s7001/

Recorded check status: fresh selected body

Exact clauses/comments and read bounds: Fresh (a)–(f), including consumer consent, access demonstration, changed-system requirements, withdrawal, preservation of other law, retention, and proximity; selected effective-date notes. HTML.
Version/effective predicate; status and limits: General E-SIGN effective date October 1, 2000; retention provisions have separate transition dates in the notes. No actual consent or legacy-consent conclusion. uscode.house.gov +2
Direct source URLs: https://uscode.house.gov/us/usc/119-118/t15/s7001/
https://uscode.house.gov/us/usc/119-118/t15/s7001/?utm_source=chatgpt.com

R015-P1-S005 Saved research record

CFPB — 12 CFR part 1013 and Supplement I, grouped agency presentation. https://www.consumerfinance.gov/rules-policy/regulations/1013/1/ https://www.consumerfinance.gov/rules-policy/regulations/1013/interp-1/ https://www.consumerfinance.gov/rules-policy/regulations/1013/2/ https://www.consumerfinance.gov/rules-policy/regulations/1013/3/ https://www.consumerfinance.gov/rules-policy/regulations/1013/4/ https://www.consumerfinance.gov/rules-policy/regulations/1013/interp-4/ https://www.consumerfinance.gov/rules-policy/regulations/1013/5/ https://www.consumerfinance.gov/rules-policy/regulations/1013/interp-5/ https://www.consumerfinance.gov/rules-policy/regulations/1013/7/ https://www.consumerfinance.gov/rules-policy/regulations/1013/9/ https://www.consumerfinance.gov/rules-policy/regulations/1013/a/

Recorded check status: fresh selected body requires bounded precision

Exact clauses/comments and read bounds: Fresh §§1, 2, 3, 5, 7, 9 operative bodies and necessary integrated comments; standalone comment 1-1 and comment 5-1; §4(a)–(m), (q)–(t) and necessary comments. Relevant §4 comments were also checked in the standalone interpretation presentation. Appendix A comments 1–4 only; model-form images were not inspected. Incidental insurance/security/warranty text appearing in retrievals was not developed into those parent components. HTML.
Version/effective predicate; status and limits: Pages say current; operative rules distinguished from official interpretations. Subject to S008/S009 checks and currentness limits. Multiple pages remain one regulation/commentary family. Consumer Financial Protection Bureau +7
Direct source URLs: https://www.consumerfinance.gov/rules-policy/regulations/1013/1/
https://www.consumerfinance.gov/rules-policy/regulations/1013/interp-1/
https://www.consumerfinance.gov/rules-policy/regulations/1013/2/
https://www.consumerfinance.gov/rules-policy/regulations/1013/3/
https://www.consumerfinance.gov/rules-policy/regulations/1013/4/
https://www.consumerfinance.gov/rules-policy/regulations/1013/interp-4/
https://www.consumerfinance.gov/rules-policy/regulations/1013/5/
https://www.consumerfinance.gov/rules-policy/regulations/1013/interp-5/
https://www.consumerfinance.gov/rules-policy/regulations/1013/7/
https://www.consumerfinance.gov/rules-policy/regulations/1013/9/
https://www.consumerfinance.gov/rules-policy/regulations/1013/a/
https://www.consumerfinance.gov/rules-policy/regulations/1013/1/?utm_source=chatgpt.com
https://www.consumerfinance.gov/rules-policy/regulations/1013/interp-1/?utm_source=chatgpt.com
https://www.consumerfinance.gov/rules-policy/regulations/1013/2/?utm_source=chatgpt.com
https://www.consumerfinance.gov/rules-policy/regulations/1013/3/?utm_source=chatgpt.com
https://www.consumerfinance.gov/rules-policy/regulations/1013/4/?utm_source=chatgpt.com
https://www.consumerfinance.gov/rules-policy/regulations/1013/interp-4/?utm_source=chatgpt.com
https://www.consumerfinance.gov/rules-policy/regulations/1013/5/?utm_source=chatgpt.com
https://www.consumerfinance.gov/rules-policy/regulations/1013/interp-5/?utm_source=chatgpt.com
https://www.consumerfinance.gov/rules-policy/regulations/1013/7/?utm_source=chatgpt.com
https://www.consumerfinance.gov/rules-policy/regulations/1013/9/?utm_source=chatgpt.com
https://www.consumerfinance.gov/rules-policy/regulations/1013/a/?utm_source=chatgpt.com

R015-P1-S006 Saved research record

CFPB and Federal Reserve — Regulation Z credit-sale definition. https://www.consumerfinance.gov/rules-policy/regulations/1026/2/ https://www.federalreserve.gov/frrs/regulations/section-2262-definitions-and-rules-of-construction.htm

Recorded check status: fresh selected partial body

Exact clauses/comments and read bounds: Fresh §1026.2(a)(16) and relevant comments, especially comments 1–2; Board §226.2(a)(16). Selected provisions only, not whole Regulation Z. HTML.
Version/effective predicate; status and limits: Used to follow Regulation M’s credit-sale cross-reference and distinguish a direct loan. Actual Regulation Z coverage and credit-origination compliance remain held. Consumer Financial Protection Bureau +1
Direct source URLs: https://www.consumerfinance.gov/rules-policy/regulations/1026/2/
https://www.federalreserve.gov/frrs/regulations/section-2262-definitions-and-rules-of-construction.htm
https://www.consumerfinance.gov/rules-policy/regulations/1026/2/?utm_source=chatgpt.com
https://www.federalreserve.gov/frrs/regulations/section-2262-definitions-and-rules-of-construction.htm?utm_source=chatgpt.com

R015-P1-S007 Saved research record

Federal Reserve — continuing Regulation M, part 213. https://www.federalreserve.gov/frrs/regulations/section-2131-authority-scope-purpose-and-enforcement.htm https://www.federalreserve.gov/frrs/regulations/section-2134-content-of-disclosures.htm https://www.federalreserve.gov/frrs/regulations/official-staff-commentary-on-regulation-m.htm

Recorded check status: fresh selected partial body

Exact clauses/comments and read bounds: Fresh §213.1; selected complete §213.4(g), (k)–(m), (q), related provisions; comments 4(g)(1)-1–5, 4(l), 4(m), 4(q)-1–5, 5-1, and current threshold commentary. HTML; long navigation portions not substantive reads.
Version/effective predicate; status and limits: Continuing dealer jurisdiction corroborated by S009. Website headers are not a full amendment history; this is not dismissed as merely an obsolete former number. federalreserve.gov +5
Direct source URLs: https://www.federalreserve.gov/frrs/regulations/section-2131-authority-scope-purpose-and-enforcement.htm
https://www.federalreserve.gov/frrs/regulations/section-2134-content-of-disclosures.htm
https://www.federalreserve.gov/frrs/regulations/official-staff-commentary-on-regulation-m.htm
https://www.federalreserve.gov/frrs/regulations/section-2131-authority-scope-purpose-and-enforcement.htm?utm_source=chatgpt.com
https://www.federalreserve.gov/frrs/regulations/section-2134-content-of-disclosures.htm?utm_source=chatgpt.com
https://www.federalreserve.gov/frrs/regulations/official-staff-commentary-on-regulation-m.htm?utm_source=chatgpt.com

R015-P1-S008 Saved research record

GPO/GovInfo — 2025 annual CFR, title 12, volume 8, part 1013. https://www.govinfo.gov/content/pkg/CFR-2025-title12-vol8/pdf/CFR-2025-title12-vol8-part1013.pdf

Recorded check status: fresh selected partial historical body

Exact clauses/comments and read bounds: Fresh selected parsed text from printed 505–531, PDF indices 0–26. Selected reads: p.505/index0; pp.508–510/indices3–5; pp.521–522/indices16–17; pp.525–528/indices20–23; selected Appendix A commentary at p.531/index26. Material included §§4(g), (k)–(m), (q), realized-value comments, named-method comments, appraisal and excess-liability comments.
Version/effective predicate; status and limits: Edition January 1, 2025; historical annual codification. Not all 27 pages read, no full-form or pixel-review claim. Screenshot attempts did not yield usable visual inspection; two timed out. govinfo.gov +5
Direct source URLs: https://www.govinfo.gov/content/pkg/CFR-2025-title12-vol8/pdf/CFR-2025-title12-vol8-part1013.pdf
https://www.govinfo.gov/content/pkg/CFR-2025-title12-vol8/pdf/CFR-2025-title12-vol8-part1013.pdf?utm_source=chatgpt.com

R015-P1-S009 Saved research record

Federal Reserve/CFPB — Consumer Leasing (Regulation M), 2026 threshold final rule. https://www.govinfo.gov/content/pkg/FR-2025-12-15/html/2025-22813.htm https://www.federalregister.gov/documents/2025/12/15/2025-22813/consumer-leasing-regulation-m https://www.consumerfinance.gov/rules-policy/final-rules/consumer-leasing-regulation-m-adjustments/

Recorded check status: fresh selected body

Exact clauses/comments and read bounds: Fresh GovInfo HTML: 90 FR 57878–57882; summary/dates, jurisdiction/adjustment background, complete relevant part 1013 amendatory comments 2(e)-1–11, selected Board counterpart including threshold. CFPB and FederalRegister.gov landing material used as same-rule metadata/discovery. No PDF index.
Version/effective predicate; status and limits: Published December 15, 2025; effective January 1, 2026; 2026 threshold $73,400. Historical threshold list and no-increase mechanics read. Same final rule, not three independent authorities. govinfo.gov +4
Direct source URLs: https://www.govinfo.gov/content/pkg/FR-2025-12-15/html/2025-22813.htm
https://www.federalregister.gov/documents/2025/12/15/2025-22813/consumer-leasing-regulation-m
https://www.consumerfinance.gov/rules-policy/final-rules/consumer-leasing-regulation-m-adjustments/
https://www.govinfo.gov/content/pkg/FR-2025-12-15/html/2025-22813.htm?utm_source=chatgpt.com
https://www.federalregister.gov/documents/2025/12/15/2025-22813/consumer-leasing-regulation-m?utm_source=chatgpt.com
https://www.consumerfinance.gov/rules-policy/final-rules/consumer-leasing-regulation-m-adjustments/?utm_source=chatgpt.com

R015-P1-S010 Saved research record

CFPB — 2011 republication and correction. https://www.govinfo.gov/content/pkg/FR-2011-12-19/pdf/2011-31723.pdf https://www.govinfo.gov/content/pkg/FR-2011-12-29/pdf/2011-33354.pdf https://www.federalregister.gov/documents/2011/12/19/2011-31723/consumer-leasing-regulation-m

Recorded check status: fresh selected partial historical body

Exact clauses/comments and read bounds: Fresh selected parsed PDF text: 76 FR 78500–78520, especially p.78500/index0 summary/dates and p.78503/index3 operative §§1013.1–.2 material; selected parsed lines 611–777. Correction: 76 FR 81789–81790, PDF indices0–1, Regulation M portion only. FR webpage metadata only.
Version/effective predicate; status and limits: Historical interim rule and correction, effective December 30, 2011. No whole-PDF or pixel claim. Parsed preamble/operative threshold wording discrepancy preserved in the log below. govinfo.gov +2
Direct source URLs: https://www.govinfo.gov/content/pkg/FR-2011-12-19/pdf/2011-31723.pdf
https://www.govinfo.gov/content/pkg/FR-2011-12-29/pdf/2011-33354.pdf
https://www.federalregister.gov/documents/2011/12/19/2011-31723/consumer-leasing-regulation-m
https://www.govinfo.gov/content/pkg/FR-2011-12-19/pdf/2011-31723.pdf?utm_source=chatgpt.com
https://www.govinfo.gov/content/pkg/FR-2011-12-29/pdf/2011-33354.pdf?utm_source=chatgpt.com
https://www.federalregister.gov/documents/2011/12/19/2011-31723/consumer-leasing-regulation-m?utm_source=chatgpt.com

R015-P1-S011 Saved research record

CFPB — final adoption of interim rules. https://www.govinfo.gov/content/pkg/FR-2016-04-28/html/2016-09431.htm

Recorded check status: fresh selected historical body

Exact clauses/comments and read bounds: Fresh selected summary/dates and Authority and Issuance, item H, adopting Regulation M. 81 FR 25323–25326, selected p.25323 and item H on p.25325. HTML; no PDF index.
Version/effective predicate; status and limits: Effective April 28, 2016, subject to intervening amendments. Not a read of all regulations in the omnibus rule. govinfo.gov +1
Direct source URLs: https://www.govinfo.gov/content/pkg/FR-2016-04-28/html/2016-09431.htm
https://www.govinfo.gov/content/pkg/FR-2016-04-28/html/2016-09431.htm?utm_source=chatgpt.com

R015-P1-S012 Saved research record

CFPB/Board regulation indexes. https://www.consumerfinance.gov/rules-policy/regulations/1013/ https://www.federalreserve.gov/frrs/regulations/regulation-m-consumer-leasing.htm

Recorded check status: fresh selected metadata

Exact clauses/comments and read bounds: Fresh metadata/discovery only: CFPB amendment label and official-edition disclaimer; Board part index. HTML.
Version/effective predicate; status and limits: Publication labels, not complete effectiveness or amendment-history proof. Consumer Financial Protection Bureau +1
Direct source URLs: https://www.consumerfinance.gov/rules-policy/regulations/1013/
https://www.federalreserve.gov/frrs/regulations/regulation-m-consumer-leasing.htm
https://www.consumerfinance.gov/rules-policy/regulations/1013/?utm_source=chatgpt.com
https://www.federalreserve.gov/frrs/regulations/regulation-m-consumer-leasing.htm?utm_source=chatgpt.com

R015-P1-S013 Saved research record

eCFR — attempted current part 1013. https://www.ecfr.gov/current/title-12/chapter-X/part-1013 Observed access-gate destination: https://unblock.federalregister.gov/

Recorded check status: unreopened failure or unused discovery

Exact clauses/comments and read bounds: Failure: no operative body obtained from this route; access gate encountered.
Version/effective predicate; status and limits: No bypass attempted. Agency text, official annual CFR, and final rules supplied the reads described above.
Direct source URLs: https://www.ecfr.gov/current/title-12/chapter-X/part-1013
https://unblock.federalregister.gov/
https://www.ecfr.gov/current/title-12/chapter-X/part-1013?utm_source=chatgpt.com

R015-P1-S014 Saved research record

GovInfo — attempted 2026 annual CFR. https://www.govinfo.gov/content/pkg/CFR-2026-title12-vol3/pdf/CFR-2026-title12-vol3-part213.pdf https://www.govinfo.gov/content/pkg/CFR-2026-title12-vol8/pdf/CFR-2026-title12-vol8-part1013.pdf

Recorded check status: unreopened failure or unused discovery

Exact clauses/comments and read bounds: Failure: neither requested PDF body obtained. Printed pages/PDF indices unavailable.
Version/effective predicate; status and limits: Exact 2026 annual-edition verification remains unresolved; failed retrieval does not establish nonexistence.
Direct source URLs: https://www.govinfo.gov/content/pkg/CFR-2026-title12-vol3/pdf/CFR-2026-title12-vol3-part213.pdf
https://www.govinfo.gov/content/pkg/CFR-2026-title12-vol8/pdf/CFR-2026-title12-vol8-part1013.pdf

R015-P1-S015 Saved research record

OLRC — attempted preliminary routes. https://uscode.house.gov/view.xhtml?edition=prelim&num=0&req=granuleid%3AUSC-prelim-title15-section1667 https://uscode.house.gov/view.xhtml?edition=prelim&num=0&req=granuleid%3AUSC-prelim-title15-section1667a https://uscode.house.gov/view.xhtml?edition=prelim&num=0&req=granuleid%3AUSC-prelim-title15-section1667b https://uscode.house.gov/view.xhtml?edition=prelim&num=0&req=granuleid%3AUSC-prelim-title12-section5519 https://uscode.house.gov/view.xhtml?edition=prelim&path=%2Fprelim%40title15%2Fchapter41%2Fsubchapter1%2FpartE

Recorded check status: unreopened failure or unused discovery

Exact clauses/comments and read bounds: Failures: 404/page-not-found or maintenance responses; no relied-on operative bodies from these URLs.
Version/effective predicate; status and limits: Recovered through the exact versioned OLRC URLs in S001/S003; their displayed compilation limit remains controlling for the read record.
Direct source URLs: https://uscode.house.gov/view.xhtml?edition=prelim&num=0&req=granuleid%3AUSC-prelim-title15-section1667
https://uscode.house.gov/view.xhtml?edition=prelim&num=0&req=granuleid%3AUSC-prelim-title15-section1667a
https://uscode.house.gov/view.xhtml?edition=prelim&num=0&req=granuleid%3AUSC-prelim-title15-section1667b
https://uscode.house.gov/view.xhtml?edition=prelim&num=0&req=granuleid%3AUSC-prelim-title12-section5519
https://uscode.house.gov/view.xhtml?edition=prelim&path=%2Fprelim%40title15%2Fchapter41%2Fsubchapter1%2FpartE
https://uscode.house.gov/view.xhtml?edition=prelim&num=0&req=granuleid:USC-prelim-title15-section1667a&utm_source=chatgpt.com
https://uscode.house.gov/view.xhtml?edition=prelim&num=0&req=granuleid:USC-prelim-title15-section1667b&utm_source=chatgpt.com
https://uscode.house.gov/view.xhtml?edition=prelim&num=0&req=granuleid:USC-prelim-title12-section5519&utm_source=chatgpt.com
https://uscode.house.gov/view.xhtml?edition=prelim&path=%2Fprelim@title15%2Fchapter41%2Fsubchapter1%2FpartE&utm_source=chatgpt.com

R015-P1-S016 Saved research record

OLRC — attempted unversioned routes. https://uscode.house.gov/us/usc/t15/s1667/ https://uscode.house.gov/us/usc/t15/s1667a/ https://uscode.house.gov/us/usc/t15/s1667b/ https://uscode.house.gov/us/usc/t12/s5519/

Recorded check status: unreopened failure or unused discovery

Exact clauses/comments and read bounds: Failures: access/403/not-accessible responses.
Version/effective predicate; status and limits: Not substantive evidence; versioned recoveries are separately recorded.
Direct source URLs: https://uscode.house.gov/us/usc/t15/s1667/
https://uscode.house.gov/us/usc/t15/s1667a/
https://uscode.house.gov/us/usc/t15/s1667b/
https://uscode.house.gov/us/usc/t12/s5519/
https://uscode.house.gov/us/usc/t15/s1667b/?utm_source=chatgpt.com

R015-P1-S017 Saved research record

Other failed body routes. https://www.consumerfinance.gov/rules-policy/regulations/1013/appendix-a/ https://www.govinfo.gov/content/pkg/FR-2011-12-19/html/2011-31723.htm https://www.govinfo.gov/content/pkg/FR-2011-12-29/html/2011-33354.htm

Recorded check status: unreopened failure or unused discovery

Exact clauses/comments and read bounds: Failures: requested bodies unavailable. Correct Appendix A route was /a/; historical rules recovered as PDFs.
Version/effective predicate; status and limits: Recovery did not include inspection of model-form images.
Direct source URLs: https://www.consumerfinance.gov/rules-policy/regulations/1013/appendix-a/
https://www.govinfo.gov/content/pkg/FR-2011-12-19/html/2011-31723.htm
https://www.govinfo.gov/content/pkg/FR-2011-12-29/html/2011-33354.htm

R015-P1-S018 Saved research record

GovInfo — 2024 annual CFR discovery. https://www.govinfo.gov/content/pkg/CFR-2024-title12-vol8/pdf/CFR-2024-title12-vol8-part1013.pdf

Recorded check status: unreopened failure or unused discovery

Exact clauses/comments and read bounds: Discovery only: opening parsed page, printed p.504/index0.
Version/effective predicate; status and limits: Historical; not used as the substantive foundation or a currentness substitute.
Direct source URLs: https://www.govinfo.gov/content/pkg/CFR-2024-title12-vol8/pdf/CFR-2024-title12-vol8-part1013.pdf
https://www.govinfo.gov/content/pkg/CFR-2024-title12-vol8/pdf/CFR-2024-title12-vol8-part1013.pdf?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.

Search this report’s coverage and gaps

coverage-1 Saved research record

Q1 — Consumer-lease definition

Recorded check status: recorded; no individual primary acceptance inferred

Status and claim/example links: Answered as law; application unresolved. C001
Exact missing authority or facts: Actual product, purpose, term, threshold, actors
Next bounded permissible investigation: Retain gates in worksheet

Recorded coordinator check boundaries

coordinator acceptance: first_scoped_review_complete_bounded_precision_correction_and_parent_holds_open

coverage-2 Saved research record

Q1 — Lease versus credit sale

Recorded check status: recorded; no individual primary acceptance inferred

Status and claim/example links: Answered/Unresolved. C006; E01
Exact missing authority or facts: Complete ownership, consideration, and termination terms
Next bounded permissible investigation: Public generic form only if needed to illustrate classification

Recorded coordinator check boundaries

coordinator acceptance: first_scoped_review_complete_bounded_precision_correction_and_parent_holds_open

coverage-3 Saved research record

Q1 — Financed purchase/direct loan

Recorded check status: recorded; no individual primary acceptance inferred

Status and claim/example links: Answered as distinction; excluded credit analysis. C007; E01
Exact missing authority or facts: Actual loan/credit-sale classification and credit law
Next bounded permissible investigation: Preserve vehicle-credit parent hold

Recorded coordinator check boundaries

coordinator acceptance: first_scoped_review_complete_bounded_precision_correction_and_parent_holds_open

coverage-4 Saved research record

Q1 — Consumer purpose

Recorded check status: recorded; no individual primary acceptance inferred

Status and claim/example links: Answered/Unresolved. C002; E03
Exact missing authority or facts: Purpose before/at consummation
Next bounded permissible investigation: Retain blank; no purpose decision

Recorded coordinator check boundaries

coordinator acceptance: first_scoped_review_complete_bounded_precision_correction_and_parent_holds_open

coverage-5 Saved research record

Q1 — Personal property and motor vehicle

Recorded check status: recorded; no individual primary acceptance inferred

Status and claim/example links: Answered/Unresolved. C003
Exact missing authority or facts: Situs and applicable classification law
Next bounded permissible investigation: Preserve state/property hold

Recorded coordinator check boundaries

coordinator acceptance: first_scoped_review_complete_bounded_precision_correction_and_parent_holds_open

coverage-6 Saved research record

Q1 — Initial term and short rental

Recorded check status: recorded; no individual primary acceptance inferred

Status and claim/example links: Answered/Unresolved. C004; E02
Exact missing authority or facts: Initial obligation and continuation penalty
Next bounded permissible investigation: Retain exact term/penalty fields

Recorded coordinator check boundaries

coordinator acceptance: first_scoped_review_complete_bounded_precision_correction_and_parent_holds_open

coverage-7 Saved research record

Q1 — Organization and guarantor exclusions

Recorded check status: recorded; no individual primary acceptance inferred

Status and claim/example links: Answered/Unresolved. C005, C011; E15
Exact missing authority or facts: Contracting capacity and actual roles
Next bounded permissible investigation: Retain role fields

Recorded coordinator check boundaries

coordinator acceptance: first_scoped_review_complete_bounded_precision_correction_and_parent_holds_open

coverage-8 Saved research record

Q1 — Total contractual obligation

Recorded check status: recorded; no individual primary acceptance inferred

Status and claim/example links: Answered/Unresolved. C008; E04
Exact missing authority or facts: Included/excluded contractual amounts
Next bounded permissible investigation: No amount computation

Recorded coordinator check boundaries

coordinator acceptance: first_scoped_review_complete_bounded_precision_correction_and_parent_holds_open

coverage-9 Saved research record

Q1 — Actual annual threshold

Recorded check status: recorded; no individual primary acceptance inferred

Status and claim/example links: Answered for 2026. C009
Exact missing authority or facts: Actual consummation year
Next bounded permissible investigation: Use the year-specific published rule if a later bounded assignment requires another year

Recorded coordinator check boundaries

coordinator acceptance: first_scoped_review_complete_bounded_precision_correction_and_parent_holds_open

coverage-10 Saved research record

Q1 — Transition and continuing exemption

Recorded check status: recorded; no individual primary acceptance inferred

Status and claim/example links: Answered/Unresolved. C010
Exact missing authority or facts: Original coverage and whether later transaction is genuinely new
Next bounded permissible investigation: Keep continuation/replacement separate

Recorded coordinator check boundaries

coordinator acceptance: first_scoped_review_complete_bounded_precision_correction_and_parent_holds_open

coverage-11 Saved research record

Q1 — Lessor frequency and lessee status

Recorded check status: recorded; no individual primary acceptance inferred

Status and claim/example links: Answered/Unresolved. C011
Exact missing authority or facts: Frequency and actual contractual role
Next bounded permissible investigation: No actor/roster inquiry

Recorded coordinator check boundaries

coordinator acceptance: first_scoped_review_complete_bounded_precision_correction_and_parent_holds_open

coverage-12 Saved research record

Q1 — Arranger and assignee

Recorded check status: recorded; no individual primary acceptance inferred

Status and claim/example links: Answered/Unresolved. C012–C013
Exact missing authority or facts: Compensation, preparation, substantial involvement
Next bounded permissible investigation: Retain role predicates; no opinion expansion necessary now

Recorded coordinator check boundaries

coordinator acceptance: first_scoped_review_complete_bounded_precision_correction_and_parent_holds_open

coverage-13 Saved research record

Q1 — Auto-dealer exclusion/exceptions

Recorded check status: recorded; no individual primary acceptance inferred

Status and claim/example links: Answered/Unresolved. C014; E19
Exact missing authority or facts: Statutory dealer and functional conditions
Next bounded permissible investigation: No license/entity query

Recorded coordinator check boundaries

coordinator acceptance: first_scoped_review_complete_bounded_precision_correction_and_parent_holds_open

coverage-14 Saved research record

Q1 — Continuing Board part 213

Recorded check status: recorded; no individual primary acceptance inferred

Status and claim/example links: Answered; annual-edition gap retained. C015
Exact missing authority or facts: 2026 annual part 213 body unavailable
Next bounded permissible investigation: Reattempt only a lawful public official source if necessary

Recorded coordinator check boundaries

coordinator acceptance: first_scoped_review_complete_bounded_precision_correction_and_parent_holds_open

coverage-15 Saved research record

Q1 — Incidental real-property/service exclusions

Recorded check status: recorded; no individual primary acceptance inferred

Status and claim/example links: Answered as conditions. C016
Exact missing authority or facts: Whether any actual arrangement meets them
Next bounded permissible investigation: Preserve other-asset/real-property hold

Recorded coordinator check boundaries

coordinator acceptance: first_scoped_review_complete_bounded_precision_correction_and_parent_holds_open

coverage-16 Saved research record

Q1 — Geographic scope

Recorded check status: recorded; no individual primary acceptance inferred

Status and claim/example links: Answered at comment level; broader law excluded. C017
Exact missing authority or facts: Branch, residence, choice-of-law facts
Next bounded permissible investigation: Preserve country/tribal/international hold

Recorded coordinator check boundaries

coordinator acceptance: first_scoped_review_complete_bounded_precision_correction_and_parent_holds_open

coverage-17 Saved research record

Q2 — Complete statutory reasonableness standard

Recorded check status: recorded; no individual primary acceptance inferred

Status and claim/example links: Answered. C019; E09
Exact missing authority or facts: Actual charge and evidentiary justification
Next bounded permissible investigation: No actual reasonableness determination

Recorded coordinator check boundaries

coordinator acceptance: first_scoped_review_complete_bounded_precision_correction_and_parent_holds_open

coverage-18 Saved research record

Q2 — Both parties’ early-termination conditions

Recorded check status: recorded; no individual primary acceptance inferred

Status and claim/example links: Answered. C018, C020; E05
Exact missing authority or facts: Agreed termination rights and conditions
Next bounded permissible investigation: Retain contract field

Recorded coordinator check boundaries

coordinator acceptance: first_scoped_review_complete_bounded_precision_correction_and_parent_holds_open

coverage-19 Saved research record

Q2 — Default/delinquency disclosure

Recorded check status: recorded; no individual primary acceptance inferred

Status and claim/example links: Answered. C021
Exact missing authority or facts: Actual charge classification
Next bounded permissible investigation: Retain charge categories

Recorded coordinator check boundaries

coordinator acceptance: first_scoped_review_complete_bounded_precision_correction_and_parent_holds_open

coverage-20 Saved research record

Q2 — Default triggering early termination

Recorded check status: recorded; no individual primary acceptance inferred

Status and claim/example links: Answered. C022; E06
Exact missing authority or facts: Actual trigger and disclosure package
Next bounded permissible investigation: Keep both provisions in audit

Recorded coordinator check boundaries

coordinator acceptance: first_scoped_review_complete_bounded_precision_correction_and_parent_holds_open

coverage-21 Saved research record

Q2 — Vehicle early-termination warning

Recorded check status: recorded; no individual primary acceptance inferred

Status and claim/example links: Answered. C023
Exact missing authority or facts: Actual supplied warning/presentation
Next bounded permissible investigation: No unseen-form compliance finding

Recorded coordinator check boundaries

coordinator acceptance: first_scoped_review_complete_bounded_precision_correction_and_parent_holds_open

coverage-22 Saved research record

Q2 — Collection-cost exception

Recorded check status: recorded; no individual primary acceptance inferred

Status and claim/example links: Answered. C024; E17
Exact missing authority or facts: Automatic versus contingent trigger
Next bounded permissible investigation: Keep disclosure and fee entitlement separate

Recorded coordinator check boundaries

coordinator acceptance: first_scoped_review_complete_bounded_precision_correction_and_parent_holds_open

coverage-23 Saved research record

Q2 — Simple-interest and extension charges

Recorded check status: recorded; no individual primary acceptance inferred

Status and claim/example links: Answered. C025–C026; E18
Exact missing authority or facts: Accounting terms and charge/rate
Next bounded permissible investigation: No calculation

Recorded coordinator check boundaries

coordinator acceptance: first_scoped_review_complete_bounded_precision_correction_and_parent_holds_open

coverage-24 Saved research record

Q2 — Cancellation, cure, acceleration, repossession

Recorded check status: recorded; no individual primary acceptance inferred

Status and claim/example links: Federal disclosure boundary answered; rights unresolved/excluded. C027
Exact missing authority or facts: Contract and other federal/state authority
Next bounded permissible investigation: Preserve parent enforcement holds

Recorded coordinator check boundaries

coordinator acceptance: first_scoped_review_complete_bounded_precision_correction_and_parent_holds_open

coverage-25 Saved research record

Q3 — Named-method allowance

Recorded check status: recorded; no individual primary acceptance inferred

Status and claim/example links: Answered. C028; E07
Exact missing authority or facts: Actual method incorporation and total-charge relationship
Next bounded permissible investigation: Generic public method/contract only if needed

Recorded coordinator check boundaries

coordinator acceptance: first_scoped_review_complete_bounded_precision_correction_and_parent_holds_open

coverage-26 Saved research record

Q3 — Written explanation and timing

Recorded check status: recorded; no individual primary acceptance inferred

Status and claim/example links: Answered. C029–C030; E08
Exact missing authority or facts: Request/response timing and content
Next bounded permissible investigation: No actual deadline calculation

Recorded coordinator check boundaries

coordinator acceptance: first_scoped_review_complete_bounded_precision_correction_and_parent_holds_open

coverage-27 Saved research record

Q3 — Actuarial/constant-yield equation

Recorded check status: recorded; no individual primary acceptance inferred

Status and claim/example links: Unresolved and unnecessary to instantiate. C031
Exact missing authority or facts: Actual incorporated equation and assumptions
Next bounded permissible investigation: Do not invent a calculator or equivalence

Recorded coordinator check boundaries

coordinator acceptance: first_scoped_review_complete_bounded_precision_correction_and_parent_holds_open

coverage-28 Saved research record

Q3 — Balance versus payment calculation

Recorded check status: recorded; no individual primary acceptance inferred

Status and claim/example links: Answered distinction. C032, C036
Exact missing authority or facts: Actual balance variables/credits
Next bounded permissible investigation: Preserve formula/application hold

Recorded coordinator check boundaries

coordinator acceptance: first_scoped_review_complete_bounded_precision_correction_and_parent_holds_open

coverage-29 Saved research record

Q3 — Capitalized-cost itemization request

Recorded check status: recorded; no individual primary acceptance inferred

Status and claim/example links: Answered. C033
Exact missing authority or facts: Request and delivery facts
Next bounded permissible investigation: Keep separate from method request

Recorded coordinator check boundaries

coordinator acceptance: first_scoped_review_complete_bounded_precision_correction_and_parent_holds_open

coverage-30 Saved research record

Q3 — Ordinary charges and purchase option

Recorded check status: recorded; no individual primary acceptance inferred

Status and claim/example links: Answered. C034–C035
Exact missing authority or facts: Actual option, price/method, ordinary charges
Next bounded permissible investigation: Preserve contract/state hold

Recorded coordinator check boundaries

coordinator acceptance: first_scoped_review_complete_bounded_precision_correction_and_parent_holds_open

coverage-31 Saved research record

Q3 — Realized value alternatives/adjustments

Recorded check status: recorded; no individual primary acceptance inferred

Status and claim/example links: Answered. C037–C038; E11
Exact missing authority or facts: Sale/offer/FMV facts; agreed basis
Next bounded permissible investigation: No vehicle-value or disposition-record inquiry

Recorded coordinator check boundaries

coordinator acceptance: first_scoped_review_complete_bounded_precision_correction_and_parent_holds_open

coverage-32 Saved research record

Q3 — Open/closed-end and conditional liability

Recorded check status: recorded; no individual primary acceptance inferred

Status and claim/example links: Answered. C039–C040; E10
Exact missing authority or facts: Actual end-liability allocation
Next bounded permissible investigation: No immediate-debt conclusion

Recorded coordinator check boundaries

coordinator acceptance: first_scoped_review_complete_bounded_precision_correction_and_parent_holds_open

coverage-33 Saved research record

Q3 — Appraisal right and exceptions

Recorded check status: recorded; no individual primary acceptance inferred

Status and claim/example links: Answered. C041–C044; E16
Exact missing authority or facts: Actual trigger, valuation basis, agreed professional, timing
Next bounded permissible investigation: Preserve blank appraisal fields

Recorded coordinator check boundaries

coordinator acceptance: first_scoped_review_complete_bounded_precision_correction_and_parent_holds_open

coverage-34 Saved research record

Q3 — Ordinary-expiration residual protections

Recorded check status: recorded; no individual primary acceptance inferred

Status and claim/example links: Answered. C045–C050; E10
Exact missing authority or facts: Estimate, realization, wear/use causation, event type
Next bounded permissible investigation: No court filing/remedy advice

Recorded coordinator check boundaries

coordinator acceptance: first_scoped_review_complete_bounded_precision_correction_and_parent_holds_open

coverage-35 Saved research record

Q3 — Other-asset residual cross-reference

Recorded check status: recorded; no individual primary acceptance inferred

Status and claim/example links: Boundary answered; broader component excluded. C051
Exact missing authority or facts: Other asset’s complete legal framework
Next bounded permissible investigation: Preserve other-asset financing

Recorded coordinator check boundaries

coordinator acceptance: first_scoped_review_complete_bounded_precision_correction_and_parent_holds_open

coverage-36 Saved research record

Q4 — Timing/form/clear conspicuousness

Recorded check status: recorded; no individual primary acceptance inferred

Status and claim/example links: Answered. C052
Exact missing authority or facts: Actual formation/delivery/presentation
Next bounded permissible investigation: No unseen-document compliance finding

Recorded coordinator check boundaries

coordinator acceptance: first_scoped_review_complete_bounded_precision_correction_and_parent_holds_open

coverage-37 Saved research record

Q4 — Exact segregation and multiple parties

Recorded check status: recorded; no individual primary acceptance inferred

Status and claim/example links: Answered. C053–C054
Exact missing authority or facts: Actual package and recipient status
Next bounded permissible investigation: Retain presentation/role fields

Recorded coordinator check boundaries

coordinator acceptance: first_scoped_review_complete_bounded_precision_correction_and_parent_holds_open

coverage-38 Saved research record

Q4 — Language/model/additional information

Recorded check status: recorded; no individual primary acceptance inferred

Status and claim/example links: Answered. C055–C056
Exact missing authority or facts: Actual request and form use
Next bounded permissible investigation: Pixel review only if a later authorized generic form review needs it

Recorded coordinator check boundaries

coordinator acceptance: first_scoped_review_complete_bounded_precision_correction_and_parent_holds_open

coverage-39 Saved research record

Q4 — Estimates and later events

Recorded check status: recorded; no individual primary acceptance inferred

Status and claim/example links: Answered. C057–C058
Exact missing authority or facts: Reasonable-effort evidence and subsequent event
Next bounded permissible investigation: No valuation inquiry

Recorded coordinator check boundaries

coordinator acceptance: first_scoped_review_complete_bounded_precision_correction_and_parent_holds_open

coverage-40 Saved research record

Q4 — Electronic delivery/consent

Recorded check status: recorded; no individual primary acceptance inferred

Status and claim/example links: Answered framework; application unresolved. C059–C060; E13
Exact missing authority or facts: Consent/access/withdrawal/retention facts
Next bounded permissible investigation: Retain electronic-delivery fields

Recorded coordinator check boundaries

coordinator acceptance: first_scoped_review_complete_bounded_precision_correction_and_parent_holds_open

coverage-41 Saved research record

Q4 — Renegotiation and initial coverage

Recorded check status: recorded; no individual primary acceptance inferred

Status and claim/example links: Answered. C061, C065; E12
Exact missing authority or facts: Satisfaction/replacement under applicable law
Next bounded permissible investigation: Do not equate continuation with a new contract

Recorded coordinator check boundaries

coordinator acceptance: first_scoped_review_complete_bounded_precision_correction_and_parent_holds_open

coverage-42 Saved research record

Q4 — Extension timing and all six exceptions

Recorded check status: recorded; no individual primary acceptance inferred

Status and claim/example links: Answered. C062–C063; E12
Exact missing authority or facts: Durations and exception predicates
Next bounded permissible investigation: No actual calendar computation

Recorded coordinator check boundaries

coordinator acceptance: first_scoped_review_complete_bounded_precision_correction_and_parent_holds_open

coverage-43 Saved research record

Q4 — Assumption

Recorded check status: recorded; no individual primary acceptance inferred

Status and claim/example links: Answered disclosure rule only. C064
Exact missing authority or facts: Release/assignment/fee enforceability
Next bounded permissible investigation: Preserve contract/state holds

Recorded coordinator check boundaries

coordinator acceptance: first_scoped_review_complete_bounded_precision_correction_and_parent_holds_open

coverage-44 Saved research record

Q4 — Necessary advertising cross-reference

Recorded check status: recorded; no individual primary acceptance inferred

Status and claim/example links: Answered rule/text comparison; campaign compliance excluded. C066–C070
Exact missing authority or facts: Actual medium, wording, availability; complete historical reconciliation if consequential
Next bounded permissible investigation: No ad creation/publication; further generic rule history only if necessary

Recorded coordinator check boundaries

coordinator acceptance: first_scoped_review_complete_bounded_precision_correction_and_parent_holds_open

coverage-45 Saved research record

Q4 — Final-rule dates/history

Recorded check status: recorded; no individual primary acceptance inferred

Status and claim/example links: Answered within selected reads. S009–S011; C073
Exact missing authority or facts: Complete intervening amendment history
Next bounded permissible investigation: Official section-history/annual-CFR follow-up only

Recorded coordinator check boundaries

coordinator acceptance: first_scoped_review_complete_bounded_precision_correction_and_parent_holds_open

coverage-46 Saved research record

Q4 — Current official codification

Recorded check status: recorded; no individual primary acceptance inferred

Status and claim/example links: Partial. S008, S013–S016
Exact missing authority or facts: Unretrieved 2026 annual editions/eCFR; post-compilation session-law audit
Next bounded permissible investigation: Preserve explicit currentness gap

Recorded coordinator check boundaries

coordinator acceptance: first_scoped_review_complete_bounded_precision_correction_and_parent_holds_open

coverage-47 Saved research record

Q4 — Guidance withdrawal

Recorded check status: recorded; no individual primary acceptance inferred

Status and claim/example links: Excluded as unnecessary
Exact missing authority or facts: No circular/bulletin/advisory relied upon
Next bounded permissible investigation: Check official register only if such guidance is later relied upon

Recorded coordinator check boundaries

coordinator acceptance: first_scoped_review_complete_bounded_precision_correction_and_parent_holds_open

coverage-48 Saved research record

Q4 — Published opinions

Recorded check status: recorded; no individual primary acceptance inferred

Status and claim/example links: Excluded as unnecessary
Exact missing authority or facts: No consequential opinion relied upon
Next bounded permissible investigation: No case-record or docket search

Recorded coordinator check boundaries

coordinator acceptance: first_scoped_review_complete_bounded_precision_correction_and_parent_holds_open

coverage-49 Saved research record

Q5 — Provision comparison and blank audit

Recorded check status: recorded; no individual primary acceptance inferred

Status and claim/example links: Answered as generic tools
Exact missing authority or facts: All actual application fields remain blank
Next bounded permissible investigation: Retain as generic worksheet

Recorded coordinator check boundaries

coordinator acceptance: first_scoped_review_complete_bounded_precision_correction_and_parent_holds_open

coverage-50 Saved research record

Q5 — Required failure branches

Recorded check status: recorded; no individual primary acceptance inferred

Status and claim/example links: Answered: E01–E19
Exact missing authority or facts: No actual facts assumed
Next bounded permissible investigation: Use only as qualitative analytical examples

Recorded coordinator check boundaries

coordinator acceptance: first_scoped_review_complete_bounded_precision_correction_and_parent_holds_open

coverage-51 Saved research record

Q5 — Avoided costs/mitigation/reletting

Recorded check status: recorded; no individual primary acceptance inferred

Status and claim/example links: Answered as inference boundary. C072
Exact missing authority or facts: Any actual contract/state duty and supporting facts
Next bounded permissible investigation: Preserve state/contract gap

Recorded coordinator check boundaries

coordinator acceptance: first_scoped_review_complete_bounded_precision_correction_and_parent_holds_open

coverage-52 Saved research record

Q5 — State enforceability and remedies

Recorded check status: recorded; no individual primary acceptance inferred

Status and claim/example links: Federal boundary answered; substantive application excluded. C071–C073; E14
Exact missing authority or facts: Applicable state law, actual claim/remedy prerequisites
Next bounded permissible investigation: Separately bounded published-law component only

Recorded coordinator check boundaries

coordinator acceptance: first_scoped_review_complete_bounded_precision_correction_and_parent_holds_open

coverage-53 Saved research record

Parent — Other A015 dimensions and acceptance

Recorded check status: recorded; no individual primary acceptance inferred

Status and claim/example links: Excluded/preserved
Exact missing authority or facts: Complete parent work remains outstanding
Next bounded permissible investigation: No parent/component/operations/publication acceptance

Recorded coordinator check boundaries

coordinator acceptance: first_scoped_review_complete_bounded_precision_correction_and_parent_holds_open

Corrections, review and scope

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

revise resolved by additive pass02 with limits

Other components in this research series

R015pass-02

Bounded rent-charge unit and comment-pinpoint correction

Inside: Bounded rent-charge unit and comment-pinpoint correction · 1. Source table and precise read boundaries · 2. Corrected atomic-claim table

10 tables23 claim records5 source recordsScoped review · limits applyCaptured 2026-10-28

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Record integrity

Original saved Markdown SHA-256: fb6e3380e757872eeda8c4ddd042a8627e7af38f1a24d74f48c22bf73a6eaaa4. Public formatting, private-reference removal and correction annotations are separate from that immutable original.