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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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DETAILED RESEARCH · EVIDENCE & LIMITS INCLUDED

Bounded rent-charge unit and comment-pinpoint correction

R015 · pass-02Captured 2026-10-2810 tables · 23 claim records · 5 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-02

Bounded rent-charge unit and comment-pinpoint correction

The supplied corrections are confirmed by fresh primary-source reads. PASS-01 used an overbroad unit in C025, C026, and C063: the relevant provisions say rent charge, a distinct component, rather than rent or the periodic payment generally. C034’s disposition/pickup examples belong to comment 4(d)-5, with optional/location-dependent disposition charges addressed in 4(d)-6. C035’s purchase-option price-certainty proposition belongs to comment 4(i)-5. Consumer Financial Protection Bureau+4

This addendum supplies replacements for those five claims and their bounded dependencies. The original raw answer remains the original record. The supplied response provenance, capture information, character count, and coordinator-review description are treated as supplied context—not as proof that I accessed a saved file or independently reviewed the entire original answer.

Actual verification date: October 27, 2026, America/Los_Angeles. The last research clock check was 17:07:50 PDT, corresponding to October 28, 2026, 00:07:50 UTC. All fresh accesses below occurred on that Los Angeles date.

No numerical model, actual charge calculation, contract determination, or new legal deadline is included.

1. Source table and precise read boundaries

Status convention: “Current agency presentation” describes what the CFPB webpage publishes and labels current. It does not establish a complete intervening amendment or litigation-history audit. “Historical annual codification” describes the 2025 annual CFR, not a 2026 edition.

All sources concern United States federal law. Sections, commentary pages, and annual-CFR presentations of the same Regulation M provisions are grouped as the same authority family, not counted as independent legal corroboration.

Source ID	Issuer/title and complete literal HTTPS URLs	Fresh read bounds and pinpoint information	Version, effectiveness, access, and currentness limits
R015-P2-S001	CFPB — §1013.4, Content of disclosures; Supplement I commentary to §1013.4. https://www.consumerfinance.gov/rules-policy/regulations/1013/4/ https://www.consumerfinance.gov/rules-policy/regulations/1013/interp-4/	Fresh complete material reads: §4(d) and comments 4(d)-1–6; §4(f)(6), with necessary surrounding §4(f)(5), (7)–(11); §4(i), including (1)–(2), and comments 4(i)-1–5; §4(q) and complete comments 4(q)-3–5. Comment 4(q)-2 was also read to preserve the default/early-termination dependency. HTML; printed page/PDF index not applicable.	Accessed 2026-10-27 PDT. Pages label the presentation current. Section 4 applies to consumer leases subject to the part. This pass does not independently establish the original effective date of every clause or a complete amendment history. Integrated and standalone commentary are two presentations of the same official interpretations. Consumer Financial Protection Bureau+6
R015-P2-S002	CFPB — §1013.5, Renegotiations, extensions, and assumptions; Supplement I commentary to §1013.5. https://www.consumerfinance.gov/rules-policy/regulations/1013/5/ https://www.consumerfinance.gov/rules-policy/regulations/1013/interp-5/	Fresh complete §5(a)–(d), including the introductory language and all six §5(d)(1)–(6) exceptions. Fresh comment 5-1 establishes existing-covered-lease scope. The displayed extension/renegotiation comments were read for dependency context; no numerical example was adopted. HTML.	Accessed 2026-10-27 PDT; labeled current. The exceptions operate even where the event meets the definition of renegotiation or extension. Existing coverage, transaction classification, and exception predicates remain necessary. No transaction-specific redisclosure conclusion. Consumer Financial Protection Bureau+1
R015-P2-S003	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: §4(d), printed pp.507–508, zero-based PDF indices 2–3; §4(f)(5)–(11), p.508/index3; §4(i), p.509/index4; §4(q), pp.509–510/indices4–5; §5(a)–(d), p.510/index5. Commentary: 4(d)-1–6, pp.524–525/indices19–20; 4(i)-1–5, p.526/index21; 4(q)-2–5 and 5-1, p.528/index23.	January 1, 2025 annual edition, accessed 2026-10-27 PDT. The selected words and comment numbers agree with the current agency presentation on this correction. Historical codification only; no inference that the entire part is unchanged through the verification date. No pixels, full-form review, or whole-PDF review claimed. govinfo.gov+4
R015-P2-S004	CFPB — Regulation M index and publisher notice. https://www.consumerfinance.gov/rules-policy/regulations/1013/	Fresh metadata read: “Most recently amended Jan. 1, 2026” and the notice distinguishing the resource from official legal editions of the CFR/Federal Register. HTML.	Accessed 2026-10-27 PDT. This is publication metadata, not proof that the corrected clauses themselves became effective January 1, 2026, and not a complete section-history audit. Consumer Financial Protection Bureau
R015-P2-S005	Carried-forward unavailable official routes; not retried in PASS-02. https://www.ecfr.gov/current/title-12/chapter-X/part-1013 https://www.govinfo.gov/content/pkg/CFR-2026-title12-vol8/pdf/CFR-2026-title12-vol8-part1013.pdf https://www.govinfo.gov/content/pkg/CFR-2026-title12-vol3/pdf/CFR-2026-title12-vol3-part213.pdf	No PASS-02 body read or access attempt. These identify the original eCFR/2026 annual-edition retrieval holds.	Original failures remain failures as recorded in PASS-01; this correction does not resolve them. No access-gate workaround, no inference of nonexistence, and no fresh part 213 counterpart verification.

Verification result: I found no substantive difference between the supplied correction observations and the specified bodies freshly read here. The differences requiring correction are in the PASS-01 terminology and pinpoints. The selected 2025 annual text supplies a historical textual check, not a new currentness certification.

2. Corrected atomic-claim table

References such as S001 below mean R015-P2-S001. R = regulation; I = official interpretation; INF = expressly identified inference; U = unresolved limit.

Claim ID	Precise corrected claim	Exact source pinpoint	Trigger, conditions, exceptions, and limits
R015-P2-C001	The rent charge is a separately identified component of the motor-vehicle payment calculation.	S001 §1013.4(f)(6), with (5), (7), (9)–(11); S003 p.508/index3	R. Section 4(f)(6) identifies the difference between total base periodic payments over the lease term and depreciation plus any amortized amounts. Base and total periodic payments are separately described. “Rent charge” is therefore not interchangeable with the entire periodic payment or every financing-related cost.
R015-P2-C002	In a simple-interest accounting lease, additional rent charge accruing on the lease balance because a periodic payment is made after its due date is not a penalty or other late-payment charge under the comment.	S001 comment 4(q)-3, first sentence; S003 p.528/index23	I. Preserve the specified accounting method, lease-balance accrual, and late-payment cause. The higher-rate qualification in C004 must also be applied.
R015-P2-C003	Continued accrual of the rent charge after termination because the lessee fails to return the property is not characterized as a default charge under the same comment.	S001 comment 4(q)-3, second sentence; S003 p.528/index23	I. This is the specified nonreturn scenario, not a universal classification of every post-termination amount. C004 remains relevant.
R015-P2-C004	In either C002 or C003, an additional charge accruing at a rate higher than the normal rent charge requires disclosure of its amount or determining method under §4(q).	S001 comment 4(q)-3, final sentence; S003 p.528/index23	I. The comparison concerns the normal rent-charge accrual rate. It is not a comparison against the entire periodic-payment amount. No actual rate or lawful charge is determined.
R015-P2-C005	Extension charges that exceed the rent charge in a simple-interest accounting lease or are added separately are disclosed under §4(q).	S001 comment 4(q)-4; S003 p.528/index23	I. Preserve both stated alternatives. Do not turn “or” into a requirement that a separately added charge also exceed rent charge or the total periodic payment.
R015-P2-C006	The charge-reasonableness boundary remains intact.	S001 §4(q), comment 4(q)-5; S003 pp.509–510 and p.528	R/I. The comment restates the statutory considerations: anticipated or actual harm from the event, difficulties proving loss, and inconvenience or nonfeasibility of otherwise obtaining an adequate remedy. Disclosure classification does not decide substantive lawfulness.
R015-P2-C007	Section 5 applies to existing leases covered by Regulation M; renegotiation and extension have their own predicates.	S002 §5(a)–(b), comment 5-1; S003 p.510 and p.528	R/I. Satisfaction/replacement is determined under state or other applicable law. Comment 5-1 excludes renegotiation/extension of initially four-month-or-shorter leases from §5. No actual classification is made.
R015-P2-C008	Section 5(d)(1) exempts a reduction in the rent charge from new disclosures, even if the change meets the renegotiation/extension definition.	S002 §5(d) introductory text and (d)(1); S003 p.510/index5	R; limited INF. A lower periodic payment alone does not establish this particular predicate, because the payment includes distinct components. Failure to establish this exception alone also does not establish that new disclosures are required.
R015-P2-C009	Deferment of one or more payments is a specified new-disclosure exception, whether or not a fee is charged.	S002 §5(d)(2); S003 p.510/index5	R. This preserves the exact fee/no-fee condition; it does not approve the fee.
R015-P2-C010	An extension of no more than six months, month-to-month or otherwise, is a specified exception.	S002 §5(d)(3); S003 p.510/index5	R. Existing coverage and the actual extension remain necessary; no actual calendar calculation.
R015-P2-C011	Substituting property of substantially equivalent or greater economic value is a specified exception provided no other lease terms change.	S002 §5(d)(4); S003 p.510/index5	R. Both the value condition and the no-other-term-change condition must be preserved.
R015-P2-C012	Adding, deleting, or substituting property in a multiple-item lease is a specified exception if the average periodic payment changes by no more than 25 percent.	S002 §5(d)(5); S003 p.510/index5	R. The unit here remains average periodic payment. It must not be globally replaced by rent charge. The text addresses change, not only increases.
R015-P2-C013	An agreement resulting from a court proceeding is the sixth specified exception.	S002 §5(d)(6); S003 p.510/index5	R. No proceeding, agreement, case record, or application is investigated.
R015-P2-C014	A §4(q) charge-disclosure classification and a §5 new-disclosure determination are separate inquiries.	S001 comment 4(q)-4; S002 §5(a)–(d), comment 5-1	INF from the provisions’ distinct functions. A separately added extension charge does not alone establish that an entirely new disclosure package is required. A §5 exception does not independently authorize that charge.
R015-P2-C015	Section 4(d) addresses itemized other charges payable to the lessor that are outside periodic payments and anticipated in normal operation.	S001 §4(d), comment 4(d)-1; S003 pp.507–508, p.524/index19	R/I. The potential residual/realized-value differential is excluded by §4(d)’s text and cross-reference to §4(k). Comment 1 also addresses disclosure when the lessor is unsure whether a fee belongs in this category.
R015-P2-C016	The exclusions and allocation qualifications for §4(d) are in comments 2–4.	S001 comments 4(d)-2–4; S003 pp.524–525/indices19–20	I. Comment 2 concerns late/default/early-termination/deferment/extension events; comment 3 concerns third-party collections; comment 4 concerns charges required elsewhere. These comments do not supply the disposition/pickup examples.
R015-P2-C017	Scheduled-end disposition and pickup charges are the examples in comment 4(d)-5.	S001 comment 4(d)-5; S003 p.525/index20	I. Corrects the supporting pinpoint. It does not establish any actual fee’s validity.
R015-P2-C018	Optional/location-dependent disposition charges are addressed in comment 4(d)-6.	S001 comment 4(d)-6; S003 p.525/index20	I. For the described normal-operation return-location choice, disclose the highest fee; a brief explanation may be added. If the lease treats an out-of-service-area return as default, the charge is not an “other charge” under this comment and may require §4(q) disclosure.
R015-P2-C019	Purchase-option existence and an affirmative no-option disclosure have their own predicates.	S001 §4(i), comments 4(i)-1–2; S003 p.509 and p.526/index21	R/I. Applicable law determines existence. The comment’s bid example requires both that the lessor need not accept the bid and that the lessee receives no preferential treatment.
R015-P2-C020	Section 4(i)(1)–(2) separately specifies end-of-term and during-term purchase-option disclosures.	S001 §4(i)(1)–(2); S003 p.509/index4	R. End: purchase price. During term: price or method for determining it and when exercisable. No purchase right or actual price is created here.
R015-P2-C021	Purchase-option price certainty is governed by comment 4(i)-5.	S001 comment 4(i)-5; S003 p.526/index21	I. State a sum certain or a future sum certain determined through a readily available independent source, with enough information to determine the actual price when the option becomes available. Bare negotiated-price or fair-market-value labels do not satisfy that rule.
R015-P2-C022	Purchase-option fees and exercise-related official fees/taxes are addressed in comments 3 and 4, respectively.	S001 comments 4(i)-3–4; S003 p.526/index21	I. These are disclosure-allocation provisions, not the source of price certainty. Their complete alternatives are mapped below; no tax or fee-enforceability analysis is added.
R015-P2-C023	The correction establishes the specified text and pinpoint repairs, not whole-answer or whole-source verification.	S001–S005 and this pass’s read log	U. Currentness, annual-edition, pixel, application, and parent holds remain. “Unchanged” below means unaffected by these corrections, not independently reapproved.

The key distinction is between the rent-charge component, its accrual rate, the periodic payment, and a separately added extension charge. Those are not interchangeable units. Consumer Financial Protection Bureau+3

3. Five complete replacement claim rows

These are the bounded replacement texts for the supplied PASS-01 rows. The original claim identifiers are retained for traceability; fresh support is in the PASS-02 source and atomic-claim tables above.

Original row	Corrected precise claim and complete conditions/limits	Corrected source pinpoint and status
R015-P1-C025	Additional rent-charge accrual in a simple-interest accounting lease has the specific classification stated in comment 4(q)-3. Additional rent charge accruing on the lease balance because a periodic payment is made after the due date does not constitute a penalty or other late-payment charge under that comment. Continued accrual of the rent charge after termination because the lessee fails to return the property does not constitute a default charge under the comment. In either case, if the additional charge accrues at a rate higher than the normal rent charge, its amount or determining method must be disclosed under §1013.4(q). These statements concern the rent-charge component and its accrual—not the entire periodic payment. They do not establish contractual authorization, substantive lawfulness, or compliance with every other disclosure requirement. Applicable reasonableness requirements remain preserved.	Original source family R015-P1-S005, §1013.4(q), comment 4(q)-3; component distinction §4(f)(6); reasonableness comment 4(q)-5. Fresh verification: P2-S001/S003; P2-C001–C004, C006. I/R.
R015-P1-C026	Extension charges that exceed the rent charge in a simple-interest accounting lease, or that are added separately, are disclosed under §1013.4(q). The first alternative uses the precise rent-charge component; the separately-added alternative must not be conditioned on also exceeding that component or the total periodic payment. This classification does not alone establish a duty to issue an entirely new disclosure package. Section 1013.5’s existing-covered-lease, renegotiation/extension, and exception conditions must be evaluated separately. Neither disclosure nor a new-disclosure exception independently authorizes the charge or resolves reasonableness.	Original P1-S005, comment 4(q)-4; related §5(a)–(d), comment 5-1; reasonableness §4(q), comment 4(q)-5. Fresh: P2-S001–S003; P2-C005–C007, C014. I/R; limited functional inference.
R015-P1-C063	Section 1013.5(d) contains six specified exceptions to new disclosures, even if the event meets the definition of renegotiation or extension: (1) a reduction in the rent charge; (2) deferment of one or more payments, whether or not a fee is charged; (3) extension for not more than six months, month-to-month or otherwise; (4) substitution of property having substantially equivalent or greater economic value, provided no other lease terms change; (5) addition, deletion, or substitution of property in a multiple-item lease, provided the average periodic payment does not change by more than 25 percent; (6) an agreement resulting from a court proceeding. Section 5 applies only to existing covered leases. The first exception concerns the rent-charge financing-cost component; a decrease in any lease payment is not automatically proof of that condition. Conversely, failure to establish the first exception does not alone establish a redisclosure duty; the actual transaction and other exceptions still matter. These exceptions do not approve fees or enforceability.	Original P1-S005, §5(d) introductory text and (1)–(6), with comment 5-1 and §5(a)–(b); component context §4(f)(6). Fresh: P2-S001–S003; P2-C001, C007–C014. R/I; limited unit inference.
R015-P1-C034	Ordinary anticipated end-of-term charges have a distinct disclosure location under §1013.4(d). Scheduled-end disposition and pickup examples are supported by comment 4(d)-5. The normal-operation scope is comment 4(d)-1; the specified late/default/early-termination/deferment/extension exclusions are comment 4(d)-2. The potential residual/realized-value differential is excluded by §4(d)’s text, which refers to §4(k). If discussing optional/location-dependent disposition charges, use comment 4(d)-6, preserving its highest-fee rule, permitted explanatory disclosure, and out-of-service-area default distinction. These pinpoint corrections do not decide any actual charge’s validity.	Original P1-S005, §4(d); comments 4(d)-1, -2, -5, and -6 only for the optional/location-dependent proposition. Comments -3 and -4 supply their separate third-party/allocation qualifications, not the disposition examples. Fresh: P2-S001/S003; P2-C015–C018. R/I.
R015-P1-C035	A purchase option is separately disclosed and is not interchangeable with return/termination liability. Disclose whether an option exists, affirmatively disclose its absence where applicable, and provide the end-of-term price or the during-term price/method and exercise timing as required by §4(i). Comment 4(i)-2 assigns existence to state or other applicable law and supplies the conditional nonbinding-bid example. Comment 4(i)-5 requires a sum certain or a future sum certain determinable by a sufficiently informative reference to a readily available independent source; bare negotiated-price or fair-market-value descriptions do not satisfy it. No actual option, price, or enforceability determination is made.	Original P1-S005, §4(i), (i)(1)–(2); comments 4(i)-1, -2, and -5. Comments -3 and -4 concern fees/taxes, not price certainty. Fresh: P2-S001/S003; P2-C019–C022. R/I.

These replacements preserve the original distinction between disclosure duties and substantive validity while correcting the unit and attribution errors. Consumer Financial Protection Bureau+4

4. Exact comment-to-proposition map

This map records the complete requested comment groups without extending the investigation into the underlying contracts, insurance products, tax law, or state-law merits.

Exact comment	Proposition actually located there	Correction consequence
4(d)-1	Charges anticipated incident to normal operation; if uncertain whether a fee is an “other charge,” the lessor may disclose it as such without violating the cited provision/segregation rule.	Retain as the normal-operation support for C034.
4(d)-2	This subsection does not require the listed charges arising from early termination, nonperformance, or modification: late payment, default, early termination, payment deferral, lease extension.	Retain as the event-charge exclusion support. This is not an exemption from every other disclosure provision.
4(d)-3	Collections on behalf of third parties, such as taxes, are not disclosed under §4(d).	Separate allocation proposition; not the disposition/pickup example.
4(d)-4	The category concerns charges not required under another §4 provision; the comment illustrates allocation to periodic-payment or insurance disclosures.	Preserve the allocation qualification without adding an insurance-product analysis.
4(d)-5	Liabilities imposed at the scheduled end include disposition and pickup charges.	Correct source for those examples.
4(d)-6	Normal-operation disposition charges; highest amount for the specified location-dependent return choices; optional brief explanation; different treatment where an out-of-service-area return is contractually treated as default.	Correct source for the optional-disposition proposition and all its qualifications.
4(i)-1	Affirmative disclosure that no purchase option exists when inapplicable.	Retain the affirmative no-option condition.
4(i)-2	Applicable-law existence question; a bid right is not an option under the stated no-required-acceptance and no-preferential-treatment conditions.	Preserve both conditions; do not convert the example into a universal bid rule.
4(i)-3	Purchase-option fee belongs under §4(i), not §4(d); separately itemized or included in option price.	Fee allocation only.
4(i)-4	Exercise-related official fees/taxes may be included in option price, with or without mentioning inclusion; separately itemized by category; or addressed through a statement excluding tags, taxes, and registration from the option price.	Preserve all stated disclosure alternatives; no fee/tax validity finding.
4(i)-5	Sum-certain or sufficiently determinable future price through a readily available independent source; insufficient negotiated-price/FMV labels.	Correct source for price certainty.

The current agency commentary and the selected annual-CFR passages agree on these locations. Consumer Financial Protection Bureau+3

No global word substitution is warranted. For example, §5(d)(5) deliberately uses average periodic payment, and comment 4(c)-1 uses rent within its broader description of periodic payments. Those expressions remain as written. The corrections target the exact rent-charge propositions identified here. Consumer Financial Protection Bureau+1

5. Issue → original row → dependent replacement/effect

“Unchanged” in this table means that the identified correction does not alter the row’s substance. It is not a fresh certification of every authority underlying that row.

Issue	Original row or location	Bounded replacement or explicit unchanged effect
Normal accrual unit	P1-C025	Replace with the complete row in §3. Use rent charge and normal rent-charge accrual rate, including the late-payment and post-termination nonreturn branches.
Extension-charge comparison	P1-C026	Replace with §3. Preserve the two alternatives in comment 4(q)-4 and the independent §5 inquiry.
Reduction exception	P1-C063	Replace with §3. Change “rent reduction” to reduction in the rent charge; preserve all other exception conditions and their own units.
Disposition examples	P1-C034	Correct the example pinpoint to 4(d)-5; optional/location-dependent rule to 4(d)-6. Normal-operation and exclusion findings remain.
Option price certainty	P1-C035	Correct certainty to 4(i)-5, keeping existence/no-option/timing propositions separately attributed.
Event comparison: Late payment without termination	PASS-01 provision-specific comparison	Replace the distinction cell with: “Apply §4(q) and comment 4(q)-3’s treatment of additional rent charge in a simple-interest accounting lease; an above-normal rent-charge accrual rate triggers amount/method disclosure. This does not classify the entire periodic payment as a penalty or approve an actual charge.”
Event comparison: Lessor terminates for default	Same comparison	Core dual §4(g)(1)/§4(q) result remains unchanged. Add only this clarification if accrued amounts are discussed: “The specific rent-charge classification in comment 4(q)-3 remains a separate question; neither normal accrual nor a disclosed increased charge establishes enforcement authority.” No repossession/cure analysis is reopened.
Event comparison: Extension or replacement	Same comparison	Replace the explanatory cell with: “Classify the covered transaction under §5 and apply its exact exceptions, including a reduction in rent charge—not any lower payment. Separately assess extension charges exceeding rent charge in a simple-interest accounting lease or added separately under comment 4(q)-4. Neither inquiry automatically decides the other.”
Event comparison: Ordinary end of closed-end lease	Same comparison	Ordinary end-charge substance unchanged. When disposition/pickup examples are stated, append comment 4(d)-5; optional/location-dependent qualifications use 4(d)-6.
Event comparison: Ordinary end of open-end lease	Same comparison	Residual-liability analysis unchanged. Any §4(d) disposition/pickup reference receives the corrected pinpoint only. The rent-charge correction does not alter the ordinary-expiration residual rules.
Event comparison: Purchase instead of return	Same comparison	Retain §4(i) distinction; specify (i)(1)–(2) for price/timing, comment -2 for existence, and comment -5 for certainty. No actual purchase right or price conclusion.
Event comparison: other rows	Voluntary early termination; named method; closed-end realized-value termination; electronic delivery	Unchanged by these five corrections. No new method, appraisal, consent, or enforcement result.
Request table	Named-method requests at/after consummation; capitalized-cost itemization; appraisal; English; advertising writing; electronic-consent withdrawal; state requests	Unchanged. The corrected component and comment citations do not add a request mechanism, change a recipient, or change those timing rules. Their original source/currentness limits remain; no new request deadline is inferred.
Blank worksheet	Separate charge categories	Replace with the first blank row in §6. Explicitly distinguish rent charge, depreciation/amortization, periodic-payment amounts, and separately added charges.
Blank worksheet	Extension/renegotiation/assumption	Replace with the second blank row in §6. Preserve covered-lease scope, transaction classification, every exception, and separate extension-charge disclosure.
Blank worksheet	Method variables; ordinary-charge/purchase-option references; source-history field	Use the limited terminology/pinpoint instructions in §6. No actual entry is supplied.
E12	Extension versus renegotiation example	Replace with the revised E12 in §7, including the lower-periodic-payment versus rent-charge-reduction distinction.
E18	Normal versus increased rent example	Replace with revised “Normal versus increased rent-charge accrual” in §7.
Other original examples	Especially E06, E09, E10, E11, E16, E17; remaining branches	No substantive replacement required by these errors. E09’s reasonableness hold remains; E17’s collection-fee distinction remains; E10/E11/E16’s expiration/value/appraisal issues are not reopened. Corrected claim citations travel wherever C025/C026/C034/C035/C063 are referenced.
Original coverage: Q2 simple-interest/extension charges	C025–C026/E18 coverage row	Replace the answer with: “Generic rule answered using the precise rent-charge component and the separate-charge alternative; actual accounting, normal rate, charge, and §5 predicates remain unresolved.” Link P2-C001–C007, C014 and revised E18.
Original coverage: Q3 ordinary charges/purchase option	C034–C035 coverage row	Preserve status and fact holds; replace pinpoints with 4(d)-5/-6 and 4(i)-5, respectively, with surrounding qualifications from §4.
Original coverage: Q4 extension timing and all six exceptions	C062–C063/E12 coverage row	Preserve the existing timing analysis; replace the first exception’s unit with rent charge, retain the other five exact conditions, and add the no-automatic-redisclosure qualification.
Source ledger	P1-S005 and P1-S008	Append the PASS-02 bounded reads and repaired pinpoints. Do not rewrite the original source-access history or retroactively claim PASS-01 read additional annual-CFR pages.
Read/failure log	Original fresh-read/currentness/pixel assertions	Append §9 below. Original failed routes and pixel limits remain; new successful selected reads do not turn prior failures into successful accesses.
Crosswalk	Original Q2/Q3/Q4/Q5 links	Q2: C025/C026 → P2-C001–C006, C014. Q3: C034/C035 → P2-C015–C022. Q4: C063 → P2-C007–C014. Q5: affected worksheet and E12/E18 → §§6–7. Other mappings unchanged by this correction.
Self-check	Original “all six exceptions included,” source-read integrity, and outcome limits	Qualify the original exception check: all six categories were listed, but the first exception’s unit required correction; it is now rent charge. Correct the pinpoint check as recorded here. Do not convert this self-check into independent review or whole-answer acceptance.

6. Bounded blank-worksheet replacements

All entry cells remain blank. These rows identify distinctions for a generic audit; they do not authorize obtaining contracts, records, values, or identifiers.

Worksheet field	Replacement audit instruction	Support
Separate charge categories	Distinguish depreciation/other amortized amounts; rent charge and its normal accrual rate; base periodic payment; other periodic-payment components; total periodic payment; above-normal additional accrual; separately added extension charge; late/default/termination charge; ordinary disposition/pickup charge; purchase-option price/fee; and other previously listed categories as applicable. A shared payment date or a label such as “rent” does not make the categories interchangeable.	P2-C001–C006, C015–C022
Extension/renegotiation/assumption	Establish existing covered-lease status and whether the event is continuation, satisfaction/replacement, or assumption. Apply §5’s relevant conditions and all six exceptions. For §5(d)(1), identify whether rent charge decreased; for §5(d)(5), retain average periodic payment. Separately identify the comment 4(q)-4 extension-charge alternatives.	P2-C007–C014
Method variables and timing conventions	Original field retained. When recording comment 4(q)-3 accrual, use rent-charge accrual rate and distinguish it from a periodic-payment amount. Do not rename unrelated contract terms or assume a formula.	P2-C001–C005
Ordinary-charge/purchase-option source references	Attach 4(d)-5 to disposition/pickup examples, 4(d)-6 to optional/location-dependent disposition, and 4(i)-5 to price certainty. Keep charge allocation, option existence, and actual enforceability separate.	P2-C015–C022
Source/version/application gaps	Add the PASS-02 selected-read record. Retain all original annual-CFR, eCFR, history, form-pixel, contract, and application holds.	P2-C023

7. Revised original examples and bounded qualitative checks

The following are stipulated qualitative branches. They introduce no actual or invented transaction identifiers and do not determine actual liability.

Example	Stipulated facts	Correct rule-specific result versus unknown	Needed audit evidence / adverse error
Replacement R015-P1-E12 — Extension versus renegotiation	An existing covered lease continues beyond its original end; whether it was satisfied/replaced and what components changed are unknown. A lower periodic payment may be present.	Classify the event under §5 before deciding new-disclosure duties. A lower periodic payment alone does not establish a rent-charge reduction under §5(d)(1). Failure to establish that exception alone does not establish a duty either: the triggering definitions and all other exceptions remain relevant.	Needed: transaction classification, duration, changes, and the component actually reduced. Error: treating any lower payment as the rent-charge exception, or treating its absence as automatic redisclosure. P2-C007–C014.
Replacement R015-P1-E18 — Normal versus increased rent-charge accrual	In a simple-interest accounting lease, additional rent charge accrues because payment is late; alternatively, it continues after termination because property is not returned. A further branch uses an above-normal accrual rate.	Apply comment 4(q)-3’s specified normal-accrual classifications. In either above-normal-rate branch, disclose the additional amount or method under §4(q). The entire periodic payment is not the comparison unit. No amount’s lawfulness is established.	Needed: accounting terms, normal rent-charge rate, additional rate, cause of accrual, and charge classification. Error: treating all periodic payments as rent charge or all accrual as a penalty. P2-C001–C004, C006.
R015-P2-E001 — Lower payment, unchanged rent charge	The total periodic payment decreases solely because another periodic-payment component decreases; rent charge is stipulated unchanged.	That fact does not satisfy the rent-charge-reduction condition in §5(d)(1). Whether new disclosures are required remains dependent on the actual §5 event and other exceptions.	Needed: component breakdown and change classification. Error: using the payment total as the statutory/regulatory unit. P2-C001, C007–C014.
R015-P2-E002 — Rent-charge reduction	The stipulated change to an existing covered lease is a reduction in its rent-charge component.	Section 5(d)(1) supplies the stated exception to new disclosures, even if the change meets the renegotiation/extension definition. This does not approve any separate charge or establish all actual facts.	Needed: evidence that the changed component is rent charge. Error: confusing this limited exception with approval of every modification or fee. P2-C008, C014.
R015-P2-E003 — Separately added extension charge	An extension charge is added separately. No comparison showing it exceeds the total periodic payment is stipulated.	The separately-added alternative in comment 4(q)-4 does not require that comparison. Its §4(q) disclosure classification does not alone establish a new §5 disclosure package or a lawful fee.	Needed: charge trigger and separate-addition treatment, plus independent §5 predicates. Error: adding an unwritten “must exceed the whole payment” requirement. P2-C005–C007, C014.
R015-P2-E004 — Disposition pinpoint	A generic description discusses scheduled-end pickup/disposition and a normal-operation choice among return locations with different fees.	Cite 4(d)-5 for the basic examples and 4(d)-6 for the location rule, highest-fee disclosure, permitted explanation, and default-location qualification.	Needed: correct proposition-to-comment mapping; actual fee facts remain absent. Error: citing comments 1–3 as the examples’ location or treating every location fee as ordinary. P2-C015–C018.
R015-P2-E005 — Purchase-price pinpoint	A generic disclosure states only that option price will be a negotiated price or fair market value, without a sufficiently informative independent-source reference.	The price-certainty issue belongs to 4(i)-5. Comments 3–4 address fee/tax allocation and do not supply the missing certainty rule. This example does not decide an actual option’s existence.	Needed: actual price/reference wording if application were authorized. Error: attributing certainty to comments 1–4 or equating a bid opportunity with an option without the comment’s conditions. P2-C019–C022.

The differences above are supported by the payment-component text, extension exceptions, and exact commentary—not by a calculated example. Consumer Financial Protection Bureau+4

8. Granular coverage of all four requests and dependencies

Requested item or dependency	Status	Answer/replacement location	Remaining limitation
1 — Complete comment 4(q)-3	Answered	P2-C002–C004; replacement C025; revised E18	Accounting method, accrual cause/rate, and actual charge remain unknown
1 — Complete comment 4(q)-4	Answered	P2-C005; replacement C026	Separate-charge and excess-rent-charge alternatives preserved; no actual application
1 — Complete §4(f)(6) and component distinction	Answered	P2-C001; S001/S003	No numerical model or total-financing-cost/APR inference
1 — §5(d)(1)	Answered	P2-C008; replacement C063	Lower periodic payment alone is insufficient to establish this exception
1 — Other five §5(d) exceptions	Answered individually	P2-C009–C013; complete C063 replacement	Every condition retained; no court or contract inquiry
1 — Existing-covered-lease condition	Answered	P2-C007; fresh comment 5-1	Actual original coverage and replacement/continuation remain unresolved
1 — Reasonableness preserved	Answered as boundary	P2-C006; C025/C026 replacements	No charge approval or actual harm/loss/remedy finding
1 — No automatic redisclosure inference	Answered	P2-C014; E12/P2-E001–E003	Actual §5 trigger and every applicable exception still required
2 — Complete §4(d), comments 1–6	Answered	S001/S003; P2-C015–C018; §4 map	No actual fee classification or validity determination
2 — Complete §4(i), comments 1–5	Answered	S001/S003; P2-C019–C022; §4 map	Option existence, price, and applicable law remain held
2 — Disposition/pickup pinpoint	Corrected	C034 replacement; comment 4(d)-5	Substantive original distinction retained
2 — Optional-disposition pinpoint/conditions	Corrected	C034 qualification; comment 4(d)-6	Highest-fee and default-location conditions retained
2 — Purchase-price certainty pinpoint	Corrected	C035 replacement; comment 4(i)-5	No new state-law or enforceability conclusion
2 — No global “rent” substitution	Answered	§4 concluding note; P2-C001/C012	Average periodic payment and other distinct expressions remain intact
3 — Late/default event-comparison rows	Corrected/qualified	§5 dependency ledger	Original enforcement holds unaffected
3 — Extension/replacement comparison	Corrected	§5 dependency ledger	Disclosure classification and new-disclosure determination remain separate
3 — Ordinary-end charge comparisons	Pinpoints corrected	§5 dependency ledger	Open/closed-end and residual analyses not reopened
3 — Purchase-option comparison	Pinpoints corrected	§5 dependency ledger	No actual purchase right/price conclusion
3 — Request table	Explicitly unchanged	§5 dependency ledger	No new request trigger, recipient, response period, or deadline
3 — Worksheet separate-charge field	Replaced, blank	§6 first row	No actual amounts entered
3 — Worksheet extension field	Replaced, blank	§6 second row	All classification/exception facts remain blank
3 — Other affected worksheet references	Limited terminology/pinpoint updates	§6 remaining rows	No generalized contract-word replacement
3 — E12	Replaced	§7	No automatic exception or redisclosure conclusion
3 — E18	Replaced	§7	Rent charge/rate separated from periodic payment
3 — Relevant other original examples	Explicitly unchanged in substance	§5 example-dependency row	Unchanged is not whole-example/source reapproval
3 — Q2 simple-interest/extension coverage	Corrected	§5 coverage-effect row	Actual accounting and charge facts remain held
3 — Q3 ordinary charges/purchase option	Pinpoints corrected	§5 coverage-effect row	Original fact/state holds preserved
3 — Q4 six-exception coverage	Corrected	§5 coverage-effect row	First exception’s unit corrected; other conditions retained
3 — Source ledger/read log	Addendum supplied	§§1 and 9	Original access history is not rewritten
3 — Crosswalk	Bounded mapping supplied	§5 crosswalk row	Other original mappings outside this correction
3 — Self-check assertions	Corrected/qualified	§§5 and 10	No independent-review claim
4 — Required sources, atomic claims, issue/effect table	Supplied	§§1–5	Same-document presentations grouped; status travels with replacements
4 — Qualitative branches	Supplied	§7	No identifiers, amounts, deadlines, or actual outcomes
4 — Currentness/pixel/application/parent holds	Preserved	S005; §§9–11	Not resolved or accepted by this correction

9. Read/failure log

Item	PASS-02 execution and evidence status	What is not established
Supplied five claim cells	Used to identify exact correction targets; compared with fresh primary text.	No saved-file access, hash, import, or capture validation.
CFPB §4 and commentary	Complete requested clauses/comment groups freshly read, including the final higher-rate sentence in 4(q)-3 and both alternatives in 4(q)-4.	Not a whole-part or whole-source review.
CFPB §5 and coverage comment	All six exceptions and the existing-covered-lease comment freshly read.	No actual renegotiation, extension, assumption, or redisclosure decision.
2025 official annual CFR	Selected operative passages and comments freshly read at the printed pages and zero-based indices listed in S003.	Historical edition, not current 2026 annual verification. Newly selected pages are not retroactively attributed to PASS-01.
Comparison with supplied correction context	Fresh text agrees on the rent-charge unit and corrected comment numbers.	No substantive disagreement requiring a contrary quotation was found.
New retrieval failures	None in the bounded successful reads recorded in S001–S004.	This does not cure earlier failures or establish universal availability.
Original eCFR/2026 annual failures	Carried forward; not retried in PASS-02.	No claim to have read their bodies, bypassed an access gate, or resolved the gap.
Publication metadata	Current-page labels and index date/disclaimer read.	January 1, 2026 is not asserted to be the effective date of these particular correction clauses.
Pixels/forms	No screenshots or form-image inspection undertaken in PASS-02.	Parsed PDF text is not pixels; all original form/pixel limits remain.
Other authorities	No new final-rule history, Board counterpart, guidance, opinion, or state-law investigation was necessary for this correction.	No new amendment-history, guidance-status, case-history, or jurisdictional conclusion.
External/private activity	No contract/record query, identifier entry, contact, filing, purchase, account change, publication, local file, or coordinator-record operation.	No individualized result or execution beyond this visible correction.

10. Self-check — not independent review

Check	Bounded result
Correct legal unit	Rent charge retained in comments 4(q)-3/-4 and §5(d)(1); periodic-payment terms preserved where the rule uses them.
Normal versus above-normal accrual	Both normal-accrual scenarios and the final higher-rate qualification retained.
Extension alternatives	“Exceeds rent charge” and “added separately” remain alternative predicates.
Six exceptions	All six reproduced with their complete material conditions; the first is corrected from broad rent reduction to rent-charge reduction.
Existing coverage and actual facts	Comment 5-1 and transaction-classification conditions preserved.
Reasonableness and lawfulness	All three considerations retained through comment 4(q)-5; no actual charge validated.
C034 attribution	Normal-operation/exclusions separated from disposition/pickup 4(d)-5 and optional disposition 4(d)-6.
C035 attribution	Existence/no-option and price/timing separated from certainty 4(i)-5 and fee/tax comments -3/-4.
Dependencies	Affected comparisons, worksheet fields, E12/E18, coverage, source/read log, crosswalk, and self-check statements addressed.
Unchanged material	Marked unchanged because these corrections do not affect it—not because the entire original answer was reverified.
Provenance and visual limits	No saved-file, whole-source, independent-review, or unseen-pixel claim.
Acceptance	No component, parent, operations, or publication acceptance.

11. Preserved holds and correction boundary

All original 2026 annual-CFR, eCFR, intervening amendment/session-law/judicial-history, source-access, and form-pixel holds remain. This pass does not refresh or resolve unrelated original threshold, transition, dealer-jurisdiction, Board part 213, appraisal, residual-liability, advertising, electronic-consent, or remedy findings.

All actual product, purpose, property, term, threshold, lessor/lessee/arranger/assignee role, contract, disclosure, consent, event, default, method, variables, residual/realized value, charge, notice/request, state, and application facts remain unresolved.

All other A015 and parent dimensions remain held, including vehicle-credit origination/APR/usury; title/security/priority; acceleration, repossession, sale, surplus and deficiency; insurance/GAP/warranty; hardship/settlement; credit reporting and collections; limitations, remedies, litigation, tax and insolvency; other asset financing; and state, local, tribal, international, and country law.

The correction is confined to the five identified claims and the dependent wording and citations enumerated above.

END R015 PASS-02

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

Source ID · Issuer/title and complete literal HTTPS URLs · Fresh read bounds and pinpoint information · 5 data rows

Source ID	Issuer/title and complete literal HTTPS URLs	Fresh read bounds and pinpoint information	Version, effectiveness, access, and currentness limits
R015-P2-S001	CFPB — §1013.4, Content of disclosures; Supplement I commentary to §1013.4. https://www.consumerfinance.gov/rules-policy/regulations/1013/4/ https://www.consumerfinance.gov/rules-policy/regulations/1013/interp-4/	Fresh complete material reads: §4(d) and comments 4(d)-1–6; §4(f)(6), with necessary surrounding §4(f)(5), (7)–(11); §4(i), including (1)–(2), and comments 4(i)-1–5; §4(q) and complete comments 4(q)-3–5. Comment 4(q)-2 was also read to preserve the default/early-termination dependency. HTML; printed page/PDF index not applicable.	Accessed 2026-10-27 PDT. Pages label the presentation current. Section 4 applies to consumer leases subject to the part. This pass does not independently establish the original effective date of every clause or a complete amendment history. Integrated and standalone commentary are two presentations of the same official interpretations. Consumer Financial Protection Bureau +6
R015-P2-S002	CFPB — §1013.5, Renegotiations, extensions, and assumptions; Supplement I commentary to §1013.5. https://www.consumerfinance.gov/rules-policy/regulations/1013/5/ https://www.consumerfinance.gov/rules-policy/regulations/1013/interp-5/	Fresh complete §5(a)–(d), including the introductory language and all six §5(d)(1)–(6) exceptions. Fresh comment 5-1 establishes existing-covered-lease scope. The displayed extension/renegotiation comments were read for dependency context; no numerical example was adopted. HTML.	Accessed 2026-10-27 PDT; labeled current. The exceptions operate even where the event meets the definition of renegotiation or extension. Existing coverage, transaction classification, and exception predicates remain necessary. No transaction-specific redisclosure conclusion. Consumer Financial Protection Bureau +1
R015-P2-S003	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: §4(d), printed pp.507–508, zero-based PDF indices 2–3; §4(f)(5)–(11), p.508/index3; §4(i), p.509/index4; §4(q), pp.509–510/indices4–5; §5(a)–(d), p.510/index5. Commentary: 4(d)-1–6, pp.524–525/indices19–20; 4(i)-1–5, p.526/index21; 4(q)-2–5 and 5-1, p.528/index23.	January 1, 2025 annual edition, accessed 2026-10-27 PDT. The selected words and comment numbers agree with the current agency presentation on this correction. Historical codification only; no inference that the entire part is unchanged through the verification date. No pixels, full-form review, or whole-PDF review claimed. govinfo.gov +4
R015-P2-S004	CFPB — Regulation M index and publisher notice. https://www.consumerfinance.gov/rules-policy/regulations/1013/	Fresh metadata read: “Most recently amended Jan. 1, 2026” and the notice distinguishing the resource from official legal editions of the CFR/Federal Register. HTML.	Accessed 2026-10-27 PDT. This is publication metadata, not proof that the corrected clauses themselves became effective January 1, 2026, and not a complete section-history audit. Consumer Financial Protection Bureau
R015-P2-S005	Carried-forward unavailable official routes; not retried in PASS-02. https://www.ecfr.gov/current/title-12/chapter-X/part-1013 https://www.govinfo.gov/content/pkg/CFR-2026-title12-vol8/pdf/CFR-2026-title12-vol8-part1013.pdf https://www.govinfo.gov/content/pkg/CFR-2026-title12-vol3/pdf/CFR-2026-title12-vol3-part213.pdf	No PASS-02 body read or access attempt. These identify the original eCFR/2026 annual-edition retrieval holds.	Original failures remain failures as recorded in PASS-01; this correction does not resolve them. No access-gate workaround, no inference of nonexistence, and no fresh part 213 counterpart verification.

Source links captured in this table

Captured table 02

Claim ID · Precise corrected claim · Exact source pinpoint · 23 data rows

Claim ID	Precise corrected claim	Exact source pinpoint	Trigger, conditions, exceptions, and limits
R015-P2-C001	The rent charge is a separately identified component of the motor-vehicle payment calculation.	S001 §1013.4(f)(6), with (5), (7), (9)–(11); S003 p.508/index3	R. Section 4(f)(6) identifies the difference between total base periodic payments over the lease term and depreciation plus any amortized amounts. Base and total periodic payments are separately described. “Rent charge” is therefore not interchangeable with the entire periodic payment or every financing-related cost.
R015-P2-C002	In a simple-interest accounting lease, additional rent charge accruing on the lease balance because a periodic payment is made after its due date is not a penalty or other late-payment charge under the comment.	S001 comment 4(q)-3, first sentence; S003 p.528/index23	I. Preserve the specified accounting method, lease-balance accrual, and late-payment cause. The higher-rate qualification in C004 must also be applied.
R015-P2-C003	Continued accrual of the rent charge after termination because the lessee fails to return the property is not characterized as a default charge under the same comment.	S001 comment 4(q)-3, second sentence; S003 p.528/index23	I. This is the specified nonreturn scenario, not a universal classification of every post-termination amount. C004 remains relevant.
R015-P2-C004	In either C002 or C003, an additional charge accruing at a rate higher than the normal rent charge requires disclosure of its amount or determining method under §4(q).	S001 comment 4(q)-3, final sentence; S003 p.528/index23	I. The comparison concerns the normal rent-charge accrual rate. It is not a comparison against the entire periodic-payment amount. No actual rate or lawful charge is determined.
R015-P2-C005	Extension charges that exceed the rent charge in a simple-interest accounting lease or are added separately are disclosed under §4(q).	S001 comment 4(q)-4; S003 p.528/index23	I. Preserve both stated alternatives. Do not turn “or” into a requirement that a separately added charge also exceed rent charge or the total periodic payment.
R015-P2-C006	The charge-reasonableness boundary remains intact.	S001 §4(q), comment 4(q)-5; S003 pp.509–510 and p.528	R/I. The comment restates the statutory considerations: anticipated or actual harm from the event, difficulties proving loss, and inconvenience or nonfeasibility of otherwise obtaining an adequate remedy. Disclosure classification does not decide substantive lawfulness.
R015-P2-C007	Section 5 applies to existing leases covered by Regulation M; renegotiation and extension have their own predicates.	S002 §5(a)–(b), comment 5-1; S003 p.510 and p.528	R/I. Satisfaction/replacement is determined under state or other applicable law. Comment 5-1 excludes renegotiation/extension of initially four-month-or-shorter leases from §5. No actual classification is made.
R015-P2-C008	Section 5(d)(1) exempts a reduction in the rent charge from new disclosures, even if the change meets the renegotiation/extension definition.	S002 §5(d) introductory text and (d)(1); S003 p.510/index5	R; limited INF. A lower periodic payment alone does not establish this particular predicate, because the payment includes distinct components. Failure to establish this exception alone also does not establish that new disclosures are required.
R015-P2-C009	Deferment of one or more payments is a specified new-disclosure exception, whether or not a fee is charged.	S002 §5(d)(2); S003 p.510/index5	R. This preserves the exact fee/no-fee condition; it does not approve the fee.
R015-P2-C010	An extension of no more than six months, month-to-month or otherwise, is a specified exception.	S002 §5(d)(3); S003 p.510/index5	R. Existing coverage and the actual extension remain necessary; no actual calendar calculation.
R015-P2-C011	Substituting property of substantially equivalent or greater economic value is a specified exception provided no other lease terms change.	S002 §5(d)(4); S003 p.510/index5	R. Both the value condition and the no-other-term-change condition must be preserved.
R015-P2-C012	Adding, deleting, or substituting property in a multiple-item lease is a specified exception if the average periodic payment changes by no more than 25 percent.	S002 §5(d)(5); S003 p.510/index5	R. The unit here remains average periodic payment. It must not be globally replaced by rent charge. The text addresses change, not only increases.
R015-P2-C013	An agreement resulting from a court proceeding is the sixth specified exception.	S002 §5(d)(6); S003 p.510/index5	R. No proceeding, agreement, case record, or application is investigated.
R015-P2-C014	A §4(q) charge-disclosure classification and a §5 new-disclosure determination are separate inquiries.	S001 comment 4(q)-4; S002 §5(a)–(d), comment 5-1	INF from the provisions’ distinct functions. A separately added extension charge does not alone establish that an entirely new disclosure package is required. A §5 exception does not independently authorize that charge.
R015-P2-C015	Section 4(d) addresses itemized other charges payable to the lessor that are outside periodic payments and anticipated in normal operation.	S001 §4(d), comment 4(d)-1; S003 pp.507–508, p.524/index19	R/I. The potential residual/realized-value differential is excluded by §4(d)’s text and cross-reference to §4(k). Comment 1 also addresses disclosure when the lessor is unsure whether a fee belongs in this category.
R015-P2-C016	The exclusions and allocation qualifications for §4(d) are in comments 2–4.	S001 comments 4(d)-2–4; S003 pp.524–525/indices19–20	I. Comment 2 concerns late/default/early-termination/deferment/extension events; comment 3 concerns third-party collections; comment 4 concerns charges required elsewhere. These comments do not supply the disposition/pickup examples.
R015-P2-C017	Scheduled-end disposition and pickup charges are the examples in comment 4(d)-5.	S001 comment 4(d)-5; S003 p.525/index20	I. Corrects the supporting pinpoint. It does not establish any actual fee’s validity.
R015-P2-C018	Optional/location-dependent disposition charges are addressed in comment 4(d)-6.	S001 comment 4(d)-6; S003 p.525/index20	I. For the described normal-operation return-location choice, disclose the highest fee; a brief explanation may be added. If the lease treats an out-of-service-area return as default, the charge is not an “other charge” under this comment and may require §4(q) disclosure.
R015-P2-C019	Purchase-option existence and an affirmative no-option disclosure have their own predicates.	S001 §4(i), comments 4(i)-1–2; S003 p.509 and p.526/index21	R/I. Applicable law determines existence. The comment’s bid example requires both that the lessor need not accept the bid and that the lessee receives no preferential treatment.
R015-P2-C020	Section 4(i)(1)–(2) separately specifies end-of-term and during-term purchase-option disclosures.	S001 §4(i)(1)–(2); S003 p.509/index4	R. End: purchase price. During term: price or method for determining it and when exercisable. No purchase right or actual price is created here.
R015-P2-C021	Purchase-option price certainty is governed by comment 4(i)-5.	S001 comment 4(i)-5; S003 p.526/index21	I. State a sum certain or a future sum certain determined through a readily available independent source, with enough information to determine the actual price when the option becomes available. Bare negotiated-price or fair-market-value labels do not satisfy that rule.
R015-P2-C022	Purchase-option fees and exercise-related official fees/taxes are addressed in comments 3 and 4, respectively.	S001 comments 4(i)-3–4; S003 p.526/index21	I. These are disclosure-allocation provisions, not the source of price certainty. Their complete alternatives are mapped below; no tax or fee-enforceability analysis is added.
R015-P2-C023	The correction establishes the specified text and pinpoint repairs, not whole-answer or whole-source verification.	S001–S005 and this pass’s read log	U. Currentness, annual-edition, pixel, application, and parent holds remain. “Unchanged” below means unaffected by these corrections, not independently reapproved.

Captured table 03

Original row · Corrected precise claim and complete conditions/limits · Corrected source pinpoint and status · 5 data rows

Original row	Corrected precise claim and complete conditions/limits	Corrected source pinpoint and status
R015-P1-C025	Additional rent-charge accrual in a simple-interest accounting lease has the specific classification stated in comment 4(q)-3. Additional rent charge accruing on the lease balance because a periodic payment is made after the due date does not constitute a penalty or other late-payment charge under that comment. Continued accrual of the rent charge after termination because the lessee fails to return the property does not constitute a default charge under the comment. In either case, if the additional charge accrues at a rate higher than the normal rent charge, its amount or determining method must be disclosed under §1013.4(q). These statements concern the rent-charge component and its accrual—not the entire periodic payment. They do not establish contractual authorization, substantive lawfulness, or compliance with every other disclosure requirement. Applicable reasonableness requirements remain preserved.	Original source family R015-P1-S005, §1013.4(q), comment 4(q)-3; component distinction §4(f)(6); reasonableness comment 4(q)-5. Fresh verification: P2-S001/S003; P2-C001–C004, C006. I/R.
R015-P1-C026	Extension charges that exceed the rent charge in a simple-interest accounting lease, or that are added separately, are disclosed under §1013.4(q). The first alternative uses the precise rent-charge component; the separately-added alternative must not be conditioned on also exceeding that component or the total periodic payment. This classification does not alone establish a duty to issue an entirely new disclosure package. Section 1013.5’s existing-covered-lease, renegotiation/extension, and exception conditions must be evaluated separately. Neither disclosure nor a new-disclosure exception independently authorizes the charge or resolves reasonableness.	Original P1-S005, comment 4(q)-4; related §5(a)–(d), comment 5-1; reasonableness §4(q), comment 4(q)-5. Fresh: P2-S001–S003; P2-C005–C007, C014. I/R; limited functional inference.
R015-P1-C063	Section 1013.5(d) contains six specified exceptions to new disclosures, even if the event meets the definition of renegotiation or extension: (1) a reduction in the rent charge; (2) deferment of one or more payments, whether or not a fee is charged; (3) extension for not more than six months, month-to-month or otherwise; (4) substitution of property having substantially equivalent or greater economic value, provided no other lease terms change; (5) addition, deletion, or substitution of property in a multiple-item lease, provided the average periodic payment does not change by more than 25 percent; (6) an agreement resulting from a court proceeding. Section 5 applies only to existing covered leases. The first exception concerns the rent-charge financing-cost component; a decrease in any lease payment is not automatically proof of that condition. Conversely, failure to establish the first exception does not alone establish a redisclosure duty; the actual transaction and other exceptions still matter. These exceptions do not approve fees or enforceability.	Original P1-S005, §5(d) introductory text and (1)–(6), with comment 5-1 and §5(a)–(b); component context §4(f)(6). Fresh: P2-S001–S003; P2-C001, C007–C014. R/I; limited unit inference.
R015-P1-C034	Ordinary anticipated end-of-term charges have a distinct disclosure location under §1013.4(d). Scheduled-end disposition and pickup examples are supported by comment 4(d)-5. The normal-operation scope is comment 4(d)-1; the specified late/default/early-termination/deferment/extension exclusions are comment 4(d)-2. The potential residual/realized-value differential is excluded by §4(d)’s text, which refers to §4(k). If discussing optional/location-dependent disposition charges, use comment 4(d)-6, preserving its highest-fee rule, permitted explanatory disclosure, and out-of-service-area default distinction. These pinpoint corrections do not decide any actual charge’s validity.	Original P1-S005, §4(d); comments 4(d)-1, -2, -5, and -6 only for the optional/location-dependent proposition. Comments -3 and -4 supply their separate third-party/allocation qualifications, not the disposition examples. Fresh: P2-S001/S003; P2-C015–C018. R/I.
R015-P1-C035	A purchase option is separately disclosed and is not interchangeable with return/termination liability. Disclose whether an option exists, affirmatively disclose its absence where applicable, and provide the end-of-term price or the during-term price/method and exercise timing as required by §4(i). Comment 4(i)-2 assigns existence to state or other applicable law and supplies the conditional nonbinding-bid example. Comment 4(i)-5 requires a sum certain or a future sum certain determinable by a sufficiently informative reference to a readily available independent source; bare negotiated-price or fair-market-value descriptions do not satisfy it. No actual option, price, or enforceability determination is made.	Original P1-S005, §4(i), (i)(1)–(2); comments 4(i)-1, -2, and -5. Comments -3 and -4 concern fees/taxes, not price certainty. Fresh: P2-S001/S003; P2-C019–C022. R/I.

Captured table 04

Exact comment · Proposition actually located there · Correction consequence · 11 data rows

Exact comment	Proposition actually located there	Correction consequence
4(d)-1	Charges anticipated incident to normal operation; if uncertain whether a fee is an “other charge,” the lessor may disclose it as such without violating the cited provision/segregation rule.	Retain as the normal-operation support for C034.
4(d)-2	This subsection does not require the listed charges arising from early termination, nonperformance, or modification: late payment, default, early termination, payment deferral, lease extension.	Retain as the event-charge exclusion support. This is not an exemption from every other disclosure provision.
4(d)-3	Collections on behalf of third parties, such as taxes, are not disclosed under §4(d).	Separate allocation proposition; not the disposition/pickup example.
4(d)-4	The category concerns charges not required under another §4 provision; the comment illustrates allocation to periodic-payment or insurance disclosures.	Preserve the allocation qualification without adding an insurance-product analysis.
4(d)-5	Liabilities imposed at the scheduled end include disposition and pickup charges.	Correct source for those examples.
4(d)-6	Normal-operation disposition charges; highest amount for the specified location-dependent return choices; optional brief explanation; different treatment where an out-of-service-area return is contractually treated as default.	Correct source for the optional-disposition proposition and all its qualifications.
4(i)-1	Affirmative disclosure that no purchase option exists when inapplicable.	Retain the affirmative no-option condition.
4(i)-2	Applicable-law existence question; a bid right is not an option under the stated no-required-acceptance and no-preferential-treatment conditions.	Preserve both conditions; do not convert the example into a universal bid rule.
4(i)-3	Purchase-option fee belongs under §4(i), not §4(d); separately itemized or included in option price.	Fee allocation only.
4(i)-4	Exercise-related official fees/taxes may be included in option price, with or without mentioning inclusion; separately itemized by category; or addressed through a statement excluding tags, taxes, and registration from the option price.	Preserve all stated disclosure alternatives; no fee/tax validity finding.
4(i)-5	Sum-certain or sufficiently determinable future price through a readily available independent source; insufficient negotiated-price/FMV labels.	Correct source for price certainty.

Captured table 05

Issue · Original row or location · Bounded replacement or explicit unchanged effect · 26 data rows

Issue	Original row or location	Bounded replacement or explicit unchanged effect
Normal accrual unit	P1-C025	Replace with the complete row in §3. Use rent charge and normal rent-charge accrual rate, including the late-payment and post-termination nonreturn branches.
Extension-charge comparison	P1-C026	Replace with §3. Preserve the two alternatives in comment 4(q)-4 and the independent §5 inquiry.
Reduction exception	P1-C063	Replace with §3. Change “rent reduction” to reduction in the rent charge; preserve all other exception conditions and their own units.
Disposition examples	P1-C034	Correct the example pinpoint to 4(d)-5; optional/location-dependent rule to 4(d)-6. Normal-operation and exclusion findings remain.
Option price certainty	P1-C035	Correct certainty to 4(i)-5, keeping existence/no-option/timing propositions separately attributed.
Event comparison: Late payment without termination	PASS-01 provision-specific comparison	Replace the distinction cell with: “Apply §4(q) and comment 4(q)-3’s treatment of additional rent charge in a simple-interest accounting lease; an above-normal rent-charge accrual rate triggers amount/method disclosure. This does not classify the entire periodic payment as a penalty or approve an actual charge.”
Event comparison: Lessor terminates for default	Same comparison	Core dual §4(g)(1)/§4(q) result remains unchanged. Add only this clarification if accrued amounts are discussed: “The specific rent-charge classification in comment 4(q)-3 remains a separate question; neither normal accrual nor a disclosed increased charge establishes enforcement authority.” No repossession/cure analysis is reopened.
Event comparison: Extension or replacement	Same comparison	Replace the explanatory cell with: “Classify the covered transaction under §5 and apply its exact exceptions, including a reduction in rent charge—not any lower payment. Separately assess extension charges exceeding rent charge in a simple-interest accounting lease or added separately under comment 4(q)-4. Neither inquiry automatically decides the other.”
Event comparison: Ordinary end of closed-end lease	Same comparison	Ordinary end-charge substance unchanged. When disposition/pickup examples are stated, append comment 4(d)-5; optional/location-dependent qualifications use 4(d)-6.
Event comparison: Ordinary end of open-end lease	Same comparison	Residual-liability analysis unchanged. Any §4(d) disposition/pickup reference receives the corrected pinpoint only. The rent-charge correction does not alter the ordinary-expiration residual rules.
Event comparison: Purchase instead of return	Same comparison	Retain §4(i) distinction; specify (i)(1)–(2) for price/timing, comment -2 for existence, and comment -5 for certainty. No actual purchase right or price conclusion.
Event comparison: other rows	Voluntary early termination; named method; closed-end realized-value termination; electronic delivery	Unchanged by these five corrections. No new method, appraisal, consent, or enforcement result.
Request table	Named-method requests at/after consummation; capitalized-cost itemization; appraisal; English; advertising writing; electronic-consent withdrawal; state requests	Unchanged. The corrected component and comment citations do not add a request mechanism, change a recipient, or change those timing rules. Their original source/currentness limits remain; no new request deadline is inferred.
Blank worksheet	Separate charge categories	Replace with the first blank row in §6. Explicitly distinguish rent charge, depreciation/amortization, periodic-payment amounts, and separately added charges.
Blank worksheet	Extension/renegotiation/assumption	Replace with the second blank row in §6. Preserve covered-lease scope, transaction classification, every exception, and separate extension-charge disclosure.
Blank worksheet	Method variables; ordinary-charge/purchase-option references; source-history field	Use the limited terminology/pinpoint instructions in §6. No actual entry is supplied.
E12	Extension versus renegotiation example	Replace with the revised E12 in §7, including the lower-periodic-payment versus rent-charge-reduction distinction.
E18	Normal versus increased rent example	Replace with revised “Normal versus increased rent-charge accrual” in §7.
Other original examples	Especially E06, E09, E10, E11, E16, E17; remaining branches	No substantive replacement required by these errors. E09’s reasonableness hold remains; E17’s collection-fee distinction remains; E10/E11/E16’s expiration/value/appraisal issues are not reopened. Corrected claim citations travel wherever C025/C026/C034/C035/C063 are referenced.
Original coverage: Q2 simple-interest/extension charges	C025–C026/E18 coverage row	Replace the answer with: “Generic rule answered using the precise rent-charge component and the separate-charge alternative; actual accounting, normal rate, charge, and §5 predicates remain unresolved.” Link P2-C001–C007, C014 and revised E18.
Original coverage: Q3 ordinary charges/purchase option	C034–C035 coverage row	Preserve status and fact holds; replace pinpoints with 4(d)-5/-6 and 4(i)-5, respectively, with surrounding qualifications from §4.
Original coverage: Q4 extension timing and all six exceptions	C062–C063/E12 coverage row	Preserve the existing timing analysis; replace the first exception’s unit with rent charge, retain the other five exact conditions, and add the no-automatic-redisclosure qualification.
Source ledger	P1-S005 and P1-S008	Append the PASS-02 bounded reads and repaired pinpoints. Do not rewrite the original source-access history or retroactively claim PASS-01 read additional annual-CFR pages.
Read/failure log	Original fresh-read/currentness/pixel assertions	Append §9 below. Original failed routes and pixel limits remain; new successful selected reads do not turn prior failures into successful accesses.
Crosswalk	Original Q2/Q3/Q4/Q5 links	Q2: C025/C026 → P2-C001–C006, C014. Q3: C034/C035 → P2-C015–C022. Q4: C063 → P2-C007–C014. Q5: affected worksheet and E12/E18 → §§6–7. Other mappings unchanged by this correction.
Self-check	Original “all six exceptions included,” source-read integrity, and outcome limits	Qualify the original exception check: all six categories were listed, but the first exception’s unit required correction; it is now rent charge. Correct the pinpoint check as recorded here. Do not convert this self-check into independent review or whole-answer acceptance.

Captured table 06

Worksheet field · Blank entry · Replacement audit instruction · 5 data rows

Worksheet field	Replacement audit instruction	Support
Separate charge categories	Distinguish depreciation/other amortized amounts; rent charge and its normal accrual rate; base periodic payment; other periodic-payment components; total periodic payment; above-normal additional accrual; separately added extension charge; late/default/termination charge; ordinary disposition/pickup charge; purchase-option price/fee; and other previously listed categories as applicable. A shared payment date or a label such as “rent” does not make the categories interchangeable.	P2-C001–C006, C015–C022
Extension/renegotiation/assumption	Establish existing covered-lease status and whether the event is continuation, satisfaction/replacement, or assumption. Apply §5’s relevant conditions and all six exceptions. For §5(d)(1), identify whether rent charge decreased; for §5(d)(5), retain average periodic payment. Separately identify the comment 4(q)-4 extension-charge alternatives.	P2-C007–C014
Method variables and timing conventions	Original field retained. When recording comment 4(q)-3 accrual, use rent-charge accrual rate and distinguish it from a periodic-payment amount. Do not rename unrelated contract terms or assume a formula.	P2-C001–C005
Ordinary-charge/purchase-option source references	Attach 4(d)-5 to disposition/pickup examples, 4(d)-6 to optional/location-dependent disposition, and 4(i)-5 to price certainty. Keep charge allocation, option existence, and actual enforceability separate.	P2-C015–C022
Source/version/application gaps	Add the PASS-02 selected-read record. Retain all original annual-CFR, eCFR, history, form-pixel, contract, and application holds.	P2-C023

Captured table 07

Example · Stipulated facts · Correct rule-specific result versus unknown · 7 data rows

Example	Stipulated facts	Correct rule-specific result versus unknown	Needed audit evidence / adverse error
Replacement R015-P1-E12 — Extension versus renegotiation	An existing covered lease continues beyond its original end; whether it was satisfied/replaced and what components changed are unknown. A lower periodic payment may be present.	Classify the event under §5 before deciding new-disclosure duties. A lower periodic payment alone does not establish a rent-charge reduction under §5(d)(1). Failure to establish that exception alone does not establish a duty either: the triggering definitions and all other exceptions remain relevant.	Needed: transaction classification, duration, changes, and the component actually reduced. Error: treating any lower payment as the rent-charge exception, or treating its absence as automatic redisclosure. P2-C007–C014.
Replacement R015-P1-E18 — Normal versus increased rent-charge accrual	In a simple-interest accounting lease, additional rent charge accrues because payment is late; alternatively, it continues after termination because property is not returned. A further branch uses an above-normal accrual rate.	Apply comment 4(q)-3’s specified normal-accrual classifications. In either above-normal-rate branch, disclose the additional amount or method under §4(q). The entire periodic payment is not the comparison unit. No amount’s lawfulness is established.	Needed: accounting terms, normal rent-charge rate, additional rate, cause of accrual, and charge classification. Error: treating all periodic payments as rent charge or all accrual as a penalty. P2-C001–C004, C006.
R015-P2-E001 — Lower payment, unchanged rent charge	The total periodic payment decreases solely because another periodic-payment component decreases; rent charge is stipulated unchanged.	That fact does not satisfy the rent-charge-reduction condition in §5(d)(1). Whether new disclosures are required remains dependent on the actual §5 event and other exceptions.	Needed: component breakdown and change classification. Error: using the payment total as the statutory/regulatory unit. P2-C001, C007–C014.
R015-P2-E002 — Rent-charge reduction	The stipulated change to an existing covered lease is a reduction in its rent-charge component.	Section 5(d)(1) supplies the stated exception to new disclosures, even if the change meets the renegotiation/extension definition. This does not approve any separate charge or establish all actual facts.	Needed: evidence that the changed component is rent charge. Error: confusing this limited exception with approval of every modification or fee. P2-C008, C014.
R015-P2-E003 — Separately added extension charge	An extension charge is added separately. No comparison showing it exceeds the total periodic payment is stipulated.	The separately-added alternative in comment 4(q)-4 does not require that comparison. Its §4(q) disclosure classification does not alone establish a new §5 disclosure package or a lawful fee.	Needed: charge trigger and separate-addition treatment, plus independent §5 predicates. Error: adding an unwritten “must exceed the whole payment” requirement. P2-C005–C007, C014.
R015-P2-E004 — Disposition pinpoint	A generic description discusses scheduled-end pickup/disposition and a normal-operation choice among return locations with different fees.	Cite 4(d)-5 for the basic examples and 4(d)-6 for the location rule, highest-fee disclosure, permitted explanation, and default-location qualification.	Needed: correct proposition-to-comment mapping; actual fee facts remain absent. Error: citing comments 1–3 as the examples’ location or treating every location fee as ordinary. P2-C015–C018.
R015-P2-E005 — Purchase-price pinpoint	A generic disclosure states only that option price will be a negotiated price or fair market value, without a sufficiently informative independent-source reference.	The price-certainty issue belongs to 4(i)-5. Comments 3–4 address fee/tax allocation and do not supply the missing certainty rule. This example does not decide an actual option’s existence.	Needed: actual price/reference wording if application were authorized. Error: attributing certainty to comments 1–4 or equating a bid opportunity with an option without the comment’s conditions. P2-C019–C022.

Captured table 08

Requested item or dependency · Status · Answer/replacement location · 34 data rows

Requested item or dependency	Status	Answer/replacement location	Remaining limitation
1 — Complete comment 4(q)-3	Answered	P2-C002–C004; replacement C025; revised E18	Accounting method, accrual cause/rate, and actual charge remain unknown
1 — Complete comment 4(q)-4	Answered	P2-C005; replacement C026	Separate-charge and excess-rent-charge alternatives preserved; no actual application
1 — Complete §4(f)(6) and component distinction	Answered	P2-C001; S001/S003	No numerical model or total-financing-cost/APR inference
1 — §5(d)(1)	Answered	P2-C008; replacement C063	Lower periodic payment alone is insufficient to establish this exception
1 — Other five §5(d) exceptions	Answered individually	P2-C009–C013; complete C063 replacement	Every condition retained; no court or contract inquiry
1 — Existing-covered-lease condition	Answered	P2-C007; fresh comment 5-1	Actual original coverage and replacement/continuation remain unresolved
1 — Reasonableness preserved	Answered as boundary	P2-C006; C025/C026 replacements	No charge approval or actual harm/loss/remedy finding
1 — No automatic redisclosure inference	Answered	P2-C014; E12/P2-E001–E003	Actual §5 trigger and every applicable exception still required
2 — Complete §4(d), comments 1–6	Answered	S001/S003; P2-C015–C018; §4 map	No actual fee classification or validity determination
2 — Complete §4(i), comments 1–5	Answered	S001/S003; P2-C019–C022; §4 map	Option existence, price, and applicable law remain held
2 — Disposition/pickup pinpoint	Corrected	C034 replacement; comment 4(d)-5	Substantive original distinction retained
2 — Optional-disposition pinpoint/conditions	Corrected	C034 qualification; comment 4(d)-6	Highest-fee and default-location conditions retained
2 — Purchase-price certainty pinpoint	Corrected	C035 replacement; comment 4(i)-5	No new state-law or enforceability conclusion
2 — No global “rent” substitution	Answered	§4 concluding note; P2-C001/C012	Average periodic payment and other distinct expressions remain intact
3 — Late/default event-comparison rows	Corrected/qualified	§5 dependency ledger	Original enforcement holds unaffected
3 — Extension/replacement comparison	Corrected	§5 dependency ledger	Disclosure classification and new-disclosure determination remain separate
3 — Ordinary-end charge comparisons	Pinpoints corrected	§5 dependency ledger	Open/closed-end and residual analyses not reopened
3 — Purchase-option comparison	Pinpoints corrected	§5 dependency ledger	No actual purchase right/price conclusion
3 — Request table	Explicitly unchanged	§5 dependency ledger	No new request trigger, recipient, response period, or deadline
3 — Worksheet separate-charge field	Replaced, blank	§6 first row	No actual amounts entered
3 — Worksheet extension field	Replaced, blank	§6 second row	All classification/exception facts remain blank
3 — Other affected worksheet references	Limited terminology/pinpoint updates	§6 remaining rows	No generalized contract-word replacement
3 — E12	Replaced	§7	No automatic exception or redisclosure conclusion
3 — E18	Replaced	§7	Rent charge/rate separated from periodic payment
3 — Relevant other original examples	Explicitly unchanged in substance	§5 example-dependency row	Unchanged is not whole-example/source reapproval
3 — Q2 simple-interest/extension coverage	Corrected	§5 coverage-effect row	Actual accounting and charge facts remain held
3 — Q3 ordinary charges/purchase option	Pinpoints corrected	§5 coverage-effect row	Original fact/state holds preserved
3 — Q4 six-exception coverage	Corrected	§5 coverage-effect row	First exception’s unit corrected; other conditions retained
3 — Source ledger/read log	Addendum supplied	§§1 and 9	Original access history is not rewritten
3 — Crosswalk	Bounded mapping supplied	§5 crosswalk row	Other original mappings outside this correction
3 — Self-check assertions	Corrected/qualified	§§5 and 10	No independent-review claim
4 — Required sources, atomic claims, issue/effect table	Supplied	§§1–5	Same-document presentations grouped; status travels with replacements
4 — Qualitative branches	Supplied	§7	No identifiers, amounts, deadlines, or actual outcomes
4 — Currentness/pixel/application/parent holds	Preserved	S005; §§9–11	Not resolved or accepted by this correction

Captured table 09

Item · PASS-02 execution and evidence status · What is not established · 11 data rows

Item	PASS-02 execution and evidence status	What is not established
Supplied five claim cells	Used to identify exact correction targets; compared with fresh primary text.	No saved-file access, hash, import, or capture validation.
CFPB §4 and commentary	Complete requested clauses/comment groups freshly read, including the final higher-rate sentence in 4(q)-3 and both alternatives in 4(q)-4.	Not a whole-part or whole-source review.
CFPB §5 and coverage comment	All six exceptions and the existing-covered-lease comment freshly read.	No actual renegotiation, extension, assumption, or redisclosure decision.
2025 official annual CFR	Selected operative passages and comments freshly read at the printed pages and zero-based indices listed in S003.	Historical edition, not current 2026 annual verification. Newly selected pages are not retroactively attributed to PASS-01.
Comparison with supplied correction context	Fresh text agrees on the rent-charge unit and corrected comment numbers.	No substantive disagreement requiring a contrary quotation was found.
New retrieval failures	None in the bounded successful reads recorded in S001–S004.	This does not cure earlier failures or establish universal availability.
Original eCFR/2026 annual failures	Carried forward; not retried in PASS-02.	No claim to have read their bodies, bypassed an access gate, or resolved the gap.
Publication metadata	Current-page labels and index date/disclaimer read.	January 1, 2026 is not asserted to be the effective date of these particular correction clauses.
Pixels/forms	No screenshots or form-image inspection undertaken in PASS-02.	Parsed PDF text is not pixels; all original form/pixel limits remain.
Other authorities	No new final-rule history, Board counterpart, guidance, opinion, or state-law investigation was necessary for this correction.	No new amendment-history, guidance-status, case-history, or jurisdictional conclusion.
External/private activity	No contract/record query, identifier entry, contact, filing, purchase, account change, publication, local file, or coordinator-record operation.	No individualized result or execution beyond this visible correction.

Captured table 10

Check · Bounded result · 12 data rows

Check	Bounded result
Correct legal unit	Rent charge retained in comments 4(q)-3/-4 and §5(d)(1); periodic-payment terms preserved where the rule uses them.
Normal versus above-normal accrual	Both normal-accrual scenarios and the final higher-rate qualification retained.
Extension alternatives	“Exceeds rent charge” and “added separately” remain alternative predicates.
Six exceptions	All six reproduced with their complete material conditions; the first is corrected from broad rent reduction to rent-charge reduction.
Existing coverage and actual facts	Comment 5-1 and transaction-classification conditions preserved.
Reasonableness and lawfulness	All three considerations retained through comment 4(q)-5; no actual charge validated.
C034 attribution	Normal-operation/exclusions separated from disposition/pickup 4(d)-5 and optional disposition 4(d)-6.
C035 attribution	Existence/no-option and price/timing separated from certainty 4(i)-5 and fee/tax comments -3/-4.
Dependencies	Affected comparisons, worksheet fields, E12/E18, coverage, source/read log, crosswalk, and self-check statements addressed.
Unchanged material	Marked unchanged because these corrections do not affect it—not because the entire original answer was reverified.
Provenance and visual limits	No saved-file, whole-source, independent-review, or unseen-pixel claim.
Acceptance	No component, parent, operations, or publication acceptance.

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R015-P2-C001 Saved research record

The rent charge is a separately identified component of the motor-vehicle payment calculation.

Recorded check status: separately checked with stated source currentness and application limits

Exact source pinpoint: S001 §1013.4(f)(6), with (5), (7), (9)–(11); S003 p.508/index3
Trigger, conditions, exceptions, and limits: R. Section 4(f)(6) identifies the difference between total base periodic payments over the lease term and depreciation plus any amortized amounts. Base and total periodic payments are separately described. “Rent charge” is therefore not interchangeable with the entire periodic payment or every financing-related cost.

Recorded coordinator check boundaries

coordinator review status: accepted_with_limits

R015-P2-C002 Saved research record

In a simple-interest accounting lease, additional rent charge accruing on the lease balance because a periodic payment is made after its due date is not a penalty or other late-payment charge under the comment.

Recorded check status: separately checked with stated source currentness and application limits

Exact source pinpoint: S001 comment 4(q)-3, first sentence; S003 p.528/index23
Trigger, conditions, exceptions, and limits: I. Preserve the specified accounting method, lease-balance accrual, and late-payment cause. The higher-rate qualification in C004 must also be applied.

Recorded coordinator check boundaries

coordinator review status: accepted_with_limits

R015-P2-C003 Saved research record

Continued accrual of the rent charge after termination because the lessee fails to return the property is not characterized as a default charge under the same comment.

Recorded check status: separately checked with stated source currentness and application limits

Exact source pinpoint: S001 comment 4(q)-3, second sentence; S003 p.528/index23
Trigger, conditions, exceptions, and limits: I. This is the specified nonreturn scenario, not a universal classification of every post-termination amount. C004 remains relevant.

Recorded coordinator check boundaries

coordinator review status: accepted_with_limits

R015-P2-C004 Saved research record

In either C002 or C003, an additional charge accruing at a rate higher than the normal rent charge requires disclosure of its amount or determining method under §4(q).

Recorded check status: separately checked with stated source currentness and application limits

Exact source pinpoint: S001 comment 4(q)-3, final sentence; S003 p.528/index23
Trigger, conditions, exceptions, and limits: I. The comparison concerns the normal rent-charge accrual rate. It is not a comparison against the entire periodic-payment amount. No actual rate or lawful charge is determined.

Recorded coordinator check boundaries

coordinator review status: accepted_with_limits

R015-P2-C005 Saved research record

Extension charges that exceed the rent charge in a simple-interest accounting lease or are added separately are disclosed under §4(q).

Recorded check status: separately checked with stated source currentness and application limits

Exact source pinpoint: S001 comment 4(q)-4; S003 p.528/index23
Trigger, conditions, exceptions, and limits: I. Preserve both stated alternatives. Do not turn “or” into a requirement that a separately added charge also exceed rent charge or the total periodic payment.

Recorded coordinator check boundaries

coordinator review status: accepted_with_limits

R015-P2-C006 Saved research record

The charge-reasonableness boundary remains intact.

Recorded check status: separately checked with stated source currentness and application limits

Exact source pinpoint: S001 §4(q), comment 4(q)-5; S003 pp.509–510 and p.528
Trigger, conditions, exceptions, and limits: R/I. The comment restates the statutory considerations: anticipated or actual harm from the event, difficulties proving loss, and inconvenience or nonfeasibility of otherwise obtaining an adequate remedy. Disclosure classification does not decide substantive lawfulness.

Recorded coordinator check boundaries

coordinator review status: accepted_with_limits

R015-P2-C007 Saved research record

Section 5 applies to existing leases covered by Regulation M; renegotiation and extension have their own predicates.

Recorded check status: separately checked with stated source currentness and application limits

Exact source pinpoint: S002 §5(a)–(b), comment 5-1; S003 p.510 and p.528
Trigger, conditions, exceptions, and limits: R/I. Satisfaction/replacement is determined under state or other applicable law. Comment 5-1 excludes renegotiation/extension of initially four-month-or-shorter leases from §5. No actual classification is made.

Recorded coordinator check boundaries

coordinator review status: accepted_with_limits

R015-P2-C008 Saved research record

Section 5(d)(1) exempts a reduction in the rent charge from new disclosures, even if the change meets the renegotiation/extension definition.

Recorded check status: separately checked with stated source currentness and application limits

Exact source pinpoint: S002 §5(d) introductory text and (d)(1); S003 p.510/index5
Trigger, conditions, exceptions, and limits: R; limited INF. A lower periodic payment alone does not establish this particular predicate, because the payment includes distinct components. Failure to establish this exception alone also does not establish that new disclosures are required.

Recorded coordinator check boundaries

coordinator review status: accepted_with_limits

R015-P2-C009 Saved research record

Deferment of one or more payments is a specified new-disclosure exception, whether or not a fee is charged.

Recorded check status: separately checked with stated source currentness and application limits

Exact source pinpoint: S002 §5(d)(2); S003 p.510/index5
Trigger, conditions, exceptions, and limits: R. This preserves the exact fee/no-fee condition; it does not approve the fee.

Recorded coordinator check boundaries

coordinator review status: accepted_with_limits

R015-P2-C010 Saved research record

An extension of no more than six months, month-to-month or otherwise, is a specified exception.

Recorded check status: separately checked with stated source currentness and application limits

Exact source pinpoint: S002 §5(d)(3); S003 p.510/index5
Trigger, conditions, exceptions, and limits: R. Existing coverage and the actual extension remain necessary; no actual calendar calculation.

Recorded coordinator check boundaries

coordinator review status: accepted_with_limits

R015-P2-C011 Saved research record

Substituting property of substantially equivalent or greater economic value is a specified exception provided no other lease terms change.

Recorded check status: separately checked with stated source currentness and application limits

Exact source pinpoint: S002 §5(d)(4); S003 p.510/index5
Trigger, conditions, exceptions, and limits: R. Both the value condition and the no-other-term-change condition must be preserved.

Recorded coordinator check boundaries

coordinator review status: accepted_with_limits

R015-P2-C012 Saved research record

Adding, deleting, or substituting property in a multiple-item lease is a specified exception if the average periodic payment changes by no more than 25 percent.

Recorded check status: separately checked with stated source currentness and application limits

Exact source pinpoint: S002 §5(d)(5); S003 p.510/index5
Trigger, conditions, exceptions, and limits: R. The unit here remains average periodic payment. It must not be globally replaced by rent charge. The text addresses change, not only increases.

Recorded coordinator check boundaries

coordinator review status: accepted_with_limits

R015-P2-C013 Saved research record

An agreement resulting from a court proceeding is the sixth specified exception.

Recorded check status: separately checked with stated source currentness and application limits

Exact source pinpoint: S002 §5(d)(6); S003 p.510/index5
Trigger, conditions, exceptions, and limits: R. No proceeding, agreement, case record, or application is investigated.

Recorded coordinator check boundaries

coordinator review status: accepted_with_limits

R015-P2-C014 Saved research record

A §4(q) charge-disclosure classification and a §5 new-disclosure determination are separate inquiries.

Recorded check status: separately checked with stated source currentness and application limits

Exact source pinpoint: S001 comment 4(q)-4; S002 §5(a)–(d), comment 5-1
Trigger, conditions, exceptions, and limits: INF from the provisions’ distinct functions. A separately added extension charge does not alone establish that an entirely new disclosure package is required. A §5 exception does not independently authorize that charge.

Recorded coordinator check boundaries

coordinator review status: accepted_with_limits

R015-P2-C015 Saved research record

Section 4(d) addresses itemized other charges payable to the lessor that are outside periodic payments and anticipated in normal operation.

Recorded check status: separately checked with stated source currentness and application limits

Exact source pinpoint: S001 §4(d), comment 4(d)-1; S003 pp.507–508, p.524/index19
Trigger, conditions, exceptions, and limits: R/I. The potential residual/realized-value differential is excluded by §4(d)’s text and cross-reference to §4(k). Comment 1 also addresses disclosure when the lessor is unsure whether a fee belongs in this category.

Recorded coordinator check boundaries

coordinator review status: accepted_with_limits

R015-P2-C016 Saved research record

The exclusions and allocation qualifications for §4(d) are in comments 2–4.

Recorded check status: separately checked with stated source currentness and application limits

Exact source pinpoint: S001 comments 4(d)-2–4; S003 pp.524–525/indices19–20
Trigger, conditions, exceptions, and limits: I. Comment 2 concerns late/default/early-termination/deferment/extension events; comment 3 concerns third-party collections; comment 4 concerns charges required elsewhere. These comments do not supply the disposition/pickup examples.

Recorded coordinator check boundaries

coordinator review status: accepted_with_limits

R015-P2-C017 Saved research record

Scheduled-end disposition and pickup charges are the examples in comment 4(d)-5.

Recorded check status: separately checked with stated source currentness and application limits

Exact source pinpoint: S001 comment 4(d)-5; S003 p.525/index20
Trigger, conditions, exceptions, and limits: I. Corrects the supporting pinpoint. It does not establish any actual fee’s validity.

Recorded coordinator check boundaries

coordinator review status: accepted_with_limits

R015-P2-C018 Saved research record

Optional/location-dependent disposition charges are addressed in comment 4(d)-6.

Recorded check status: separately checked with stated source currentness and application limits

Exact source pinpoint: S001 comment 4(d)-6; S003 p.525/index20
Trigger, conditions, exceptions, and limits: I. For the described normal-operation return-location choice, disclose the highest fee; a brief explanation may be added. If the lease treats an out-of-service-area return as default, the charge is not an “other charge” under this comment and may require §4(q) disclosure.

Recorded coordinator check boundaries

coordinator review status: accepted_with_limits

R015-P2-C019 Saved research record

Purchase-option existence and an affirmative no-option disclosure have their own predicates.

Recorded check status: separately checked with stated source currentness and application limits

Exact source pinpoint: S001 §4(i), comments 4(i)-1–2; S003 p.509 and p.526/index21
Trigger, conditions, exceptions, and limits: R/I. Applicable law determines existence. The comment’s bid example requires both that the lessor need not accept the bid and that the lessee receives no preferential treatment.

Recorded coordinator check boundaries

coordinator review status: accepted_with_limits

R015-P2-C020 Saved research record

Section 4(i)(1)–(2) separately specifies end-of-term and during-term purchase-option disclosures.

Recorded check status: separately checked with stated source currentness and application limits

Exact source pinpoint: S001 §4(i)(1)–(2); S003 p.509/index4
Trigger, conditions, exceptions, and limits: R. End: purchase price. During term: price or method for determining it and when exercisable. No purchase right or actual price is created here.

Recorded coordinator check boundaries

coordinator review status: accepted_with_limits

R015-P2-C021 Saved research record

Purchase-option price certainty is governed by comment 4(i)-5.

Recorded check status: separately checked with stated source currentness and application limits

Exact source pinpoint: S001 comment 4(i)-5; S003 p.526/index21
Trigger, conditions, exceptions, and limits: I. State a sum certain or a future sum certain determined through a readily available independent source, with enough information to determine the actual price when the option becomes available. Bare negotiated-price or fair-market-value labels do not satisfy that rule.

Recorded coordinator check boundaries

coordinator review status: accepted_with_limits

R015-P2-C022 Saved research record

Purchase-option fees and exercise-related official fees/taxes are addressed in comments 3 and 4, respectively.

Recorded check status: separately checked with stated source currentness and application limits

Exact source pinpoint: S001 comments 4(i)-3–4; S003 p.526/index21
Trigger, conditions, exceptions, and limits: I. These are disclosure-allocation provisions, not the source of price certainty. Their complete alternatives are mapped below; no tax or fee-enforceability analysis is added.

Recorded coordinator check boundaries

coordinator review status: accepted_with_limits

R015-P2-C023 Saved research record

The correction establishes the specified text and pinpoint repairs, not whole-answer or whole-source verification.

Recorded check status: separately checked with stated source currentness and application limits

Exact source pinpoint: S001–S005 and this pass’s read log
Trigger, conditions, exceptions, and limits: U. Currentness, annual-edition, pixel, application, and parent holds remain. “Unchanged” below means unaffected by these corrections, not independently reapproved.

Recorded coordinator check boundaries

coordinator review status: accepted_with_limits

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-P2-S001 Saved research record

CFPB — §1013.4, Content of disclosures; Supplement I commentary to §1013.4. https://www.consumerfinance.gov/rules-policy/regulations/1013/4/ https://www.consumerfinance.gov/rules-policy/regulations/1013/interp-4/

Recorded check status: not yet checked

Fresh read bounds and pinpoint information: Fresh complete material reads: §4(d) and comments 4(d)-1–6; §4(f)(6), with necessary surrounding §4(f)(5), (7)–(11); §4(i), including (1)–(2), and comments 4(i)-1–5; §4(q) and complete comments 4(q)-3–5. Comment 4(q)-2 was also read to preserve the default/early-termination dependency. HTML; printed page/PDF index not applicable.
Version, effectiveness, access, and currentness limits: Accessed 2026-10-27 PDT. Pages label the presentation current. Section 4 applies to consumer leases subject to the part. This pass does not independently establish the original effective date of every clause or a complete amendment history. Integrated and standalone commentary are two presentations of the same official interpretations. Consumer Financial Protection Bureau +6
Direct source URLs: 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/1013/4/?utm_source=chatgpt.com
https://www.consumerfinance.gov/rules-policy/regulations/1013/interp-4/?utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review status: accepted_with_limits

R015-P2-S002 Saved research record

CFPB — §1013.5, Renegotiations, extensions, and assumptions; Supplement I commentary to §1013.5. https://www.consumerfinance.gov/rules-policy/regulations/1013/5/ https://www.consumerfinance.gov/rules-policy/regulations/1013/interp-5/

Recorded check status: not yet checked

Fresh read bounds and pinpoint information: Fresh complete §5(a)–(d), including the introductory language and all six §5(d)(1)–(6) exceptions. Fresh comment 5-1 establishes existing-covered-lease scope. The displayed extension/renegotiation comments were read for dependency context; no numerical example was adopted. HTML.
Version, effectiveness, access, and currentness limits: Accessed 2026-10-27 PDT; labeled current. The exceptions operate even where the event meets the definition of renegotiation or extension. Existing coverage, transaction classification, and exception predicates remain necessary. No transaction-specific redisclosure conclusion. Consumer Financial Protection Bureau +1
Direct source URLs: 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/1013/5/?utm_source=chatgpt.com
https://www.consumerfinance.gov/rules-policy/regulations/1013/interp-5/?utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review status: accepted_with_limits

R015-P2-S003 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: not yet checked

Fresh read bounds and pinpoint information: Fresh selected parsed text: §4(d), printed pp.507–508, zero-based PDF indices 2–3; §4(f)(5)–(11), p.508/index3; §4(i), p.509/index4; §4(q), pp.509–510/indices4–5; §5(a)–(d), p.510/index5. Commentary: 4(d)-1–6, pp.524–525/indices19–20; 4(i)-1–5, p.526/index21; 4(q)-2–5 and 5-1, p.528/index23.
Version, effectiveness, access, and currentness limits: January 1, 2025 annual edition, accessed 2026-10-27 PDT. The selected words and comment numbers agree with the current agency presentation on this correction. Historical codification only; no inference that the entire part is unchanged through the verification date. No pixels, full-form review, or whole-PDF review claimed. govinfo.gov +4
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

Recorded coordinator check boundaries

coordinator review status: accepted_with_limits

R015-P2-S004 Saved research record

CFPB — Regulation M index and publisher notice. https://www.consumerfinance.gov/rules-policy/regulations/1013/

Recorded check status: not yet checked

Fresh read bounds and pinpoint information: Fresh metadata read: “Most recently amended Jan. 1, 2026” and the notice distinguishing the resource from official legal editions of the CFR/Federal Register. HTML.
Version, effectiveness, access, and currentness limits: Accessed 2026-10-27 PDT. This is publication metadata, not proof that the corrected clauses themselves became effective January 1, 2026, and not a complete section-history audit. Consumer Financial Protection Bureau
Direct source URLs: https://www.consumerfinance.gov/rules-policy/regulations/1013/
https://www.consumerfinance.gov/rules-policy/regulations/1013/?utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review status: accepted_with_limits

R015-P2-S005 Saved research record

Carried-forward unavailable official routes; not retried in PASS-02. https://www.ecfr.gov/current/title-12/chapter-X/part-1013 https://www.govinfo.gov/content/pkg/CFR-2026-title12-vol8/pdf/CFR-2026-title12-vol8-part1013.pdf https://www.govinfo.gov/content/pkg/CFR-2026-title12-vol3/pdf/CFR-2026-title12-vol3-part213.pdf

Recorded check status: not yet checked

Fresh read bounds and pinpoint information: No PASS-02 body read or access attempt. These identify the original eCFR/2026 annual-edition retrieval holds.
Version, effectiveness, access, and currentness limits: Original failures remain failures as recorded in PASS-01; this correction does not resolve them. No access-gate workaround, no inference of nonexistence, and no fresh part 213 counterpart verification.
Direct source URLs: https://www.ecfr.gov/current/title-12/chapter-X/part-1013
https://www.govinfo.gov/content/pkg/CFR-2026-title12-vol8/pdf/CFR-2026-title12-vol8-part1013.pdf
https://www.govinfo.gov/content/pkg/CFR-2026-title12-vol3/pdf/CFR-2026-title12-vol3-part213.pdf
https://www.ecfr.gov/current/title-12/chapter-X/part-1013?utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review status: preserved_unresolved_source_hold

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