SettleADebt.
Get debt help
Home/Debt topics

FIND THE EXPLANATION

Private student loan or school bill? Find the right path

Identify whether the demand is a private loan, school account, or another education obligation before borrowing or requesting relief.

Read the complete guide →

This address preserves a dated source document behind the guide. The complete explanation covers the questions, comparisons and next steps for this subject.

If you came here to check a specific citation, open the original archive below. It includes its source dates and recorded qualifications.

Original source archive (optional)Original working documents, complete tables and revision history
About this archive

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

Home / Research library / R018
DETAILED RESEARCH · EVIDENCE & LIMITS INCLUDED

First focused A018 component: US federal private education loan classification, disclosures, acceptance, and cancellation

R018 · pass-01Captured 2026-10-2715 tables · 86 claim records · 33 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 R018 PASS-01

First focused A018 component: US federal private education loan classification, disclosures, acceptance, and cancellation

The controlling regulatory sequence is classification → application or solicitation disclosure → approval disclosure and acceptance opportunity → acceptance → final disclosure → cancellation period → permissible disbursement. Each step has its own conditions. An education-related label does not establish coverage, approval does not itself establish acceptance, and acceptance does not eliminate the final disclosure or cancellation requirements. ecfr.gov+1

The most consequential timing distinction is that two different definitions of “business day” apply. The three-day rule for deemed receipt of mailed disclosures excludes Sundays and statutory public holidays. The three-day cancellation period uses the general definition based on when the creditor conducts substantially all its business functions. The acceptance opportunity is measured in calendar days. Consumer Financial Protection Bureau+2

Actual public-source check date: October 27, 2026, America/Los_Angeles. A verified clock checkpoint was 16:14:25 PDT, corresponding to 23:14:25 UTC. The source bodies and subsequent targeted checks described below were accessed on that date.

This is a fresh, generic primary-authority investigation. No prior report or chat supplies a foundation. No student, institution, lender, borrower, cosigner, account, property, entity, license, case record, or docket was searched. No identifier was entered to test a search. No personal deadline, eligibility, creditworthiness, liability, remedy, or compliance determination is made.

Reading and status conventions

  • L — statutory text.
  • R — regulatory text.
  • I — published official interpretation in Regulation Z’s Supplement I.
  • H — historical final-rule or transition material, used for its stated historical purpose.
  • G — official instructions or agency guidance, distinguished from statute and regulation.
  • INF — expressly identified analytical inference.
  • U — unresolved authority, version, visual, or factual issue.

All abbreviated references below—such as S006, C025, and E09—refer to the full R018-P1-S006, R018-P1-C025, and R018-P1-E09 identifiers.

The source table groups related sections and versions. Multiple presentations of the same statute, Regulation Z provision, or 2009 rule are not independent corroboration.

1. Provision-specific stage comparison

The recipient rule common to the three disclosure stages is important: where there are multiple consumers, disclosure may be made to any consumer primarily liable on the obligation. Delivery solely to a person who is merely a guarantor or surety does not satisfy that description. Multiple creditors arrange for one complete set at each required stage; this does not collapse three stages into one. See C063.

Stage and operative trigger Required recipient or actor Required content Timing and consequence Principal claims
Application or solicitation: a covered application, or an offer of credit that does not require an application Creditor provides to the prospective consumer; the multiple-consumer rule remains relevant §1026.47(a)(1)–(8): offered rates/ranges and variability; fees/default consequences; repayment and deferral terms; prescribed comparative cost examples; age/enrollment criteria; federal-aid alternatives; acceptance-right statement; applicable self-certification statement On or with the application or solicitation. Telephone and multipurpose-application exceptions are specific, not general exemptions from Subpart F C019–C020, C043–C050
Approval: any notice that the loan has been approved Creditor provides to the consumer Applicable §1026.18 disclosures plus §1026.47(b)(1)–(5): approved rate, fees, principal, repayment estimates, federal alternatives, and specific acceptance-expiration date/method Before consummation and on or with approval notice. In person: then. Mail: same mailing. Telephone: mail within three general business days. Electronic-only delivery requires applicable E-Sign compliance; otherwise mail within three general business days C021, C051–C057, C065
Acceptance opportunity: receipt of approval disclosures Consumer may accept by the disclosed permitted method The approval disclosure must identify the actual expiration date and acceptance methods At least 30 calendar days following receipt; creditor may allow longer. Consumer may accept earlier. Mailing an approval is not the receipt trigger. Acceptance by permitted mail is timely upon timely dispatch C024–C028
Acceptance and protection of disclosed terms Consumer communicates acceptance; creditor applies §1026.48(c) No substitute disclosure stage arises merely because the consumer accepts Required-disclosure terms remain protected until disbursement, subject to enumerated exceptions. The unaccepted offer may expire at the end of the 30-day period. Timely acceptance does not itself end the restriction C029–C035
Final disclosure: consumer has accepted Creditor provides to the consumer Applicable §1026.18 disclosures, §1026.47(b)(1)–(3) information, and the prominent cancellation notice specifying expiration date, methods, and no disbursement before the required period expires After acceptance. The regulation does not provide a universal fixed number of days after acceptance for sending it. Its receipt starts the cancellation period C022–C023, C058–C062
Cancellation: receipt of final disclosures Consumer may cancel using a permitted method; creditor must honor the right Notice must state the specific cancellation date and methods; permitted mailed cancellation is timely if mailed no later than that date Until midnight of the third general business day following receipt. No cancellation-specific penalty. Certain universally charged application fees need not be refunded under the commentary C036–C040
Disbursement Creditor No new fourth disclosure stage substitutes for the preceding requirements No funds before the required cancellation period expires. Creditor must be reasonably satisfied that the consumer has not canceled, including allowing for a timely mailed notice where appropriate C038–C039
Self-certification, where applicable Creditor obtains the applicant/consumer-signed ED form, directly or through the institution Required standardized form, cost/aid information, notices, and certification Before consummation, not merely before eventual disbursement. Applicability depends on attendance at an institution of higher education, which is narrower than the broader covered-institution category C068–C075

These stages implement 15 U.S.C. §1638(e), but the statute and regulation should not be described as using identical event language. The statute speaks of final disclosure at consummation and cancellation within three business days of consummation; the regulation expressly uses acceptance, final-disclosure receipt, and a prohibition on funding before the resulting cancellation period expires. The 2009 final rule addresses that implementation choice. Consummation remains a separate state-law-dependent event. uscode.house.gov+4

Each relevant clock

Period or event Actual unit and definition Trigger, endpoint, or condition What must not be assumed
Telephone application/solicitation fallback disclosure Three general business days: creditor’s offices open to the public for substantially all business functions After the consumer applies; the timely-denial or timely-approval-disclosure exception is separately specified Not automatically Monday–Friday; not the special mailing-receipt definition
Approval communicated by telephone, or electronic approval without qualifying electronic delivery Three general business days After approval communication, for mailing the approval disclosures Sending approval electronically does not dispense with E-Sign requirements
Deemed receipt of mailed application, approval, or final disclosures Three specific business days: all calendar days except Sundays and legal public holidays under 5 U.S.C. §6103(a) After mailing, under §1026.46(d)(4) Mailing day is not automatically receipt day; this rule is not automatically an email rule
Acceptance opportunity At least 30 calendar days Following receipt of approval disclosures; a longer disclosed period must be honored Not 30 business days; not a mandatory 30-day waiting period before acceptance
Cancellation Three general business days, ending at midnight of the third day following receipt Receipt of final disclosures under §1026.47(c) Do not import the special home-rescission definition or the mailing-receipt definition into this period
Mailed acceptance or cancellation Dispatch rule within the applicable period, if mail is a permitted method Acceptance placed in mail within the acceptance period; cancellation placed in mail no later than the disclosed cancellation date Actual arrival by the expiration date is not the stated mail rule
Application variable-rate freshness Direct mail: rates effective within 60 days before mailing; electronic: within 30 days before sending/public viewing; printed public applications: within 30 days before printing; telephone: currently available Comment 47(a)(1)(i)-1 These are unqualified “days,” not a separately designated business-day period; they concern offered-rate disclosure, not offer acceptance
Institutional exclusions Contractual term of 90 days or less, or one year or less with no interest rate applied to the balance §1026.46(b)(5)(iv), only where the covered institution is creditor These are loan-term tests, not disclosure clocks
Self-certification Event-based Before consummation “Before disbursement” wording on a form does not replace this requirement
Preferred-lender annual information Later of April 1 or 30 days after entering or learning of the arrangement; information concerns July 1–June 30 §1026.48(f) and comment 48(f)-1 The text does not call the 30 days “business days”; this is a school-information duty, not the consumer acceptance period

The specific definition incorporates all holidays in §6103(a), including Juneteenth National Independence Day. The current statutory list also includes New Year’s Day, Martin Luther King Jr.’s Birthday, Washington’s Birthday, Memorial Day, Independence Day, Labor Day, Columbus Day, Veterans Day, Thanksgiving Day, and Christmas Day. The older illustrative list in Regulation Z’s commentary does not mention Juneteenth; the operative cross-reference to §6103(a) must not be replaced by that older list. An observed substitute weekday is not automatically the statutory holiday for this special definition. Consumer Financial Protection Bureau+1

No calendar or amount illustration is necessary here. Numerical constants below are actual statutory/regulatory thresholds, terms, or prescribed disclosure assumptions—not an actual loan price, award, lawful APR, or deadline calculation.

2. Atomic claim table

A. Classification, actors, institutions, and expenses

Claim ID Precise claim, trigger, conditions, and exceptions Source and pinpoint Status and limits
R018-P1-C001 The statutory private-education-loan definition requires a loan provided by a private educational lender, not made/insured/guaranteed under Title IV, and issued expressly for postsecondary educational expenses. Whether proceeds pass through an institution or directly to the borrower is not determinative. Open-end and the specified real-property/dwelling-secured transactions are excluded. S002, 15 U.S.C. §1650(a)(7)–(8). uscode.house.gov L. No actual product classified.
R018-P1-C002 Statutory “private educational lender” includes the specified financial institutions, federal credit unions, and other persons engaged in the business of soliciting, making, or extending these loans. Section 1602(g) includes private educational lenders as creditors. Regulation Z nevertheless applies its general creditor framework; the 2009 rule expressly explains that regulatory implementation. S002 §1650(a)(7); S003 §1602(g); S024, 74 FR 41201–41202, PDF indices 7–8. uscode.house.gov+2 L/R/H. Statutory and regulatory formulations are not treated as identical. Full financial-charter cross-references were not independently audited.
R018-P1-C003 The ordinary Regulation Z creditor test requires regularly extending consumer credit subject to a finance charge or payable by written agreement in more than four installments, excluding a downpayment, with the obligation initially payable to that person. The ordinary regularity test is more than 25 covered extensions in the preceding calendar year; if not met then, the current-year test applies. S010, §§1026.1(c)(1), 1026.2(a)(17)(i), (v), and relevant comments. Consumer Financial Protection Bureau+1 R/I. Count is not limited to education loans. Special dwelling/high-cost-mortgage branches exist; no threshold is an all-purpose statutory immunity.
R018-P1-C004 Consumer credit ordinarily concerns a natural person and primarily personal, family, or household purposes. Credit includes a right to defer payment of debt or incur debt and defer payment. An unpaid bill, without establishing the relevant right and other conditions, is insufficient by itself to classify a transaction. S010, §1026.2(a)(11), (12), (14); §1026.3(a). Consumer Financial Protection Bureau+2 R/I; final sentence INF. No institutional receivable or contract examined.
R018-P1-C005 Regulation Z’s covered educational institution is an institution meeting the HEA institution-of-higher-education definition without regard to accreditation, and includes specified agents, officers, and employees. The separate “institution of higher education” definition incorporates HEA §§101–102 and ED implementing regulations. S006/S009, §1026.46(b)(1)–(2), comments; S013–S014. Statutory formulation: S002 §1650(a)(2), (4). ecfr.gov+1 L/R/I. Accreditation relaxation for “covered institution” must not automatically be carried into every IHE-dependent requirement. Elementary/secondary education is outside this definition.
R018-P1-C006 The incorporated HEA/ED definitions contain distinct public/nonprofit, proprietary, and vocational categories, with authorization, admissions, program, duration, accreditation, and other conditions. For the nonprofit subtype, ED’s definition includes tax treatment under §501(c)(3) and additional ownership/operation and state-law conditions. S013 §§1001–1002; S014 §§600.2, .4–.6; S015 §501(a), (b), (c)(3). uscode.house.gov+2 L/R. No actual school or tax status established. Unopened implementing cross-references remain listed below.
R018-P1-C007 Postsecondary educational expenses incorporate the statutory cost-of-attendance categories, subject to their conditions: tuition/fees; books, supplies, equipment and computer allowance; transportation; qualifying personal and living costs; restricted correspondence/incarceration categories; approved study abroad; dependent care; disability expenses not supplied by another agency; telecommunications treatment; cooperative-education costs; specified federal-loan fees; and first professional licensing/credential costs. S006 §1026.46(b)(3); S016, 20 U.S.C. §1087ll(a)(1)–(14), (b)–(c). ecfr.gov+1 L/R. Enrollment, living arrangement, reasonableness, program, and other statutory conditions matter. This is not an actual cost-of-attendance computation.
R018-P1-C008 A narrow text/version issue remains: §1026.46(b)(3)’s older illustrative wording includes any loan/origination/insurance fee, while current §1087ll(a)(13) expressly refers to fees for loans under Title IV or another federal law. Those texts do not support silently declaring every private-loan fee a current qualifying COA item. S006/S009 §1026.46(b)(3); S016 §1087ll(a)(13). ecfr.gov+1 U/INF. Fee-only classification and the precise integration of the amended cross-reference with the older illustration are held.
R018-P1-C009 The exclusion is specifically for loans made, insured, or guaranteed under Title IV of the HEA. Section 1026.3(f) separately exempts those programs from Regulation Z. “Federal connection” alone is not the wording of this exclusion. S002 §1650(a)(8); S006 §1026.46(b)(5)(i); S010 §1026.3(f). ecfr.gov+1 L/R. No ED collection, federal-loan servicing, or non-Title-IV program determination.
R018-P1-C010 Subpart F excludes open-end credit and any loan secured by real property or a dwelling. Open-end status requires the actual repeated-transaction, finance-charge, and replenishing-credit characteristics in §1026.2(a)(20); installments or a label alone are insufficient. A dwelling need not be the principal residence. Other personal-property collateral is not automatically within this exclusion. S006 §1026.46(b)(5)(iii); S010 §1026.2(a)(19)–(20), comments. ecfr.gov+2 R/I. Actual credit mechanics and security are held.
R018-P1-C011 If the covered educational institution itself is creditor and the credit term is 90 days or less, the transaction is excluded from the private-education-loan definition even if interest is charged. S006 §1026.46(b)(5)(iv)(A), comment 46(b)(5)-3. ecfr.gov+1 R/I. Both creditor identity and contractual term are necessary; a school connection alone is insufficient.
R018-P1-C012 If the covered institution is creditor, no interest rate will be applied to the credit balance, and the term is one year or less, the credit is excluded even if payable in more than four installments. S006 §1026.46(b)(5)(iv)(B), comment 46(b)(5)-4. ecfr.gov+1 R/I. “No interest” is the specific test; this does not automatically eliminate all other TILA questions about fees or installments.
R018-P1-C013 Institutional short-term loans and billing plans excluded from Subpart F may still be subject to ordinary closed-end disclosures under §§1026.17–.18. For a short-term obligation due upon receipt of specified funds, the commentary addresses estimating when those funds will arrive. S006, comments 46(b)(5)-3–4; S011. Consumer Financial Protection Bureau I. Exclusion from Subpart F is not exclusion from every consumer-credit law.
R018-P1-C014 A multipurpose application can be exempt from the application disclosures under §1026.46(d)(1)(iii). If the resulting credit is expressly for educational expenses in whole or part and meets the other definition elements, approval/final disclosures and §1026.48 apply to the entire loan. The commentary permits reliance on a purpose line or checkbox. S006 §1026.46(d)(1)(iii), comment 46(b)(5)-2. ecfr.gov+1 R/I. This is not a general multipurpose-loan exemption.
R018-P1-C015 The official definition commentary includes consolidation of existing private education loans. S006, comment 46(b)(5)-1. Consumer Financial Protection Bureau I. No reliance on the withdrawn 2020 CFPB advisory opinion; federal-loan refinancing is not resolved.
R018-P1-C016 A creditor may elect Subpart F for specified post-graduation relocation, examination-study, internship/residency, and similar expenses otherwise governed by §§1026.17–.18. If the credit actually covers qualifying postsecondary expenses, coverage is mandatory; if the optional route is chosen, applicable Subpart F requirements follow. S006 §1026.46(a), official coverage comments. ecfr.gov+1 R/I. No classification of an actual professional-school product.
R018-P1-C017 “Tuition arrears,” “payment plan,” “income-share agreement,” “scholarship repayment,” or “aid overpayment” does not itself establish a covered private education loan. The credit right, creditor, express purpose, institution, expenses, and exclusions must be established. S006 §1026.46(b)(5); S010 §1026.2(a)(14), (17), (20). ecfr.gov+1 INF/U. These additional A018 dimensions remain open; no generic conclusion that all or none are loans.
R018-P1-C018 The general amount-based Regulation Z exemption does not exclude a transaction that is a private education loan. This is not a credit ceiling or approval requirement. S004, 15 U.S.C. §1603(3); S010 §1026.3(b)(1)(i)(B). uscode.house.gov+1 L/R. No universal maximum loan, APR, or cost follows.

B. Triggers, clocks, acceptance, changes, cancellation, and disbursement

Claim ID Precise claim, trigger, conditions, and exceptions Source and pinpoint Status and limits
R018-P1-C019 Application disclosures are due on or with any covered application or solicitation. A solicitation is an offer not requiring an application, including a qualifying FCRA firm offer. A mere invitation to apply is not that trigger unless it includes a written, electronic, telephone, take-one, or in-person application. S006 §1026.46(d)(1)(i), comment 46(d)(1)-1; S023 §1681a(l)(1)–(3). ecfr.gov+2 R/I/L. No marketing communication or credit criteria were tested.
R018-P1-C020 For a telephone application/solicitation, the creditor may provide §1026.47(a) orally. Otherwise it must provide or mail those disclosures no later than three general business days after application, unless it denies the application or provides/mails approval disclosures within the specified three-day period. S006 §1026.46(d)(1)(ii); S010 §1026.2(a)(6). ecfr.gov+1 R. Telephone exception does not remove approval/final duties for a resulting covered loan.
R018-P1-C021 Approval disclosures must accompany any approval notice before consummation. Mail notice and disclosures travel together; in-person approval requires then-delivery; telephone approval requires mailing within three general business days. Electronic delivery is subject to the electronic-disclosure rules; absent qualifying delivery, the three-day mailing fallback applies. A request for additional information before approval is not itself approval. S006 §1026.46(d)(2), comment 46(d)(2)-1. ecfr.gov+1 R/I. Actual approval wording and delivery are held.
R018-P1-C022 Final disclosures are provided after acceptance under §1026.48(c)(1). The operative text does not impose a universal “immediately after acceptance” deadline; the cancellation and funding restrictions still govern. S006 §1026.46(d)(3); S007 §1026.47(c); S008 §1026.48(d). ecfr.gov+1 R. No actual event sequence established.
R018-P1-C023 Statutory final-disclosure/cancellation provisions use consummation; Regulation Z implements them through acceptance and receipt of final disclosures. Consummation is when the consumer becomes contractually obligated under applicable law, not a universally interchangeable synonym for approval, acceptance, or funding. S001 §1638(e)(4), (6)–(8); S010 §1026.2(a)(13); S024, 74 FR 41208, 41221–41222, PDF 14, 27–28. uscode.house.gov+2 L/R/H. State contract law and actual consummation remain held.
R018-P1-C024 The consumer has at least 30 calendar days following receipt of approval disclosures to accept. A longer period is allowed, and the consumer may accept before its end. S008 §1026.48(c)(1), comment 48(c)-1. ecfr.gov+1 R/I. No actual expiration date calculated.
R018-P1-C025 Mailed application, approval, and final disclosures are considered received three specific business days after mailing. The specific definition excludes Sundays and §6103(a) holidays. S006 §1026.46(d)(4), comment 46(d)-1; S010 §1026.2(a)(6). ecfr.gov+2 R/I. No automatic extension of this mailed-disclosure rule to email.
R018-P1-C026 The general creditor-business-functions definition governs the telephone/fallback mailing periods and §1026.48(d) cancellation period. The special-definition list includes §1026.46(d)(4), but not §1026.48(d). S010 §1026.2(a)(6), comments 1–2; S024, 74 FR 41198, PDF 4. Consumer Financial Protection Bureau+1 R/I/H. Actual office functions are unknown; no universal weekday calendar assumed.
R018-P1-C027 Section 6103(a), including Juneteenth, controls the holiday cross-reference. The commentary’s older fixed-holiday illustration is incomplete as a current holiday list, and an observed substitute weekday is not automatically excluded under the specific definition. S022 §6103(a); S010 comment 2(a)(6)-2. uscode.house.gov+1 L/I. No personal holiday calculation.
R018-P1-C028 Acceptance may be oral, written, or electronic as permitted and disclosed. Electronic communication cannot be the only method unless approval disclosures were provided electronically with applicable E-Sign compliance. If mail is allowed, timely placement in the mail is sufficient. S008, comment 48(c)-2; S007 §1026.47(b)(5). Consumer Financial Protection Bureau+1 I/R. Contractual authority of one borrower to bind another is not determined.
R018-P1-C029 The freeze covers terms required to be disclosed under §1026.47(b) and (c), until disbursement or expiration of the 30-day period if unaccepted, subject to exceptions. Timely acceptance leaves protection in place until disbursement. Changes not affecting required-disclosure terms are not prohibited by this particular restriction. S008 §1026.48(c)(2), comment 48(c)-3. ecfr.gov+1 R/I. Not a determination that every other contractual change is lawful.
R018-P1-C030 Before consummation, an offer may be withdrawn if extending credit would be prohibited by law or the creditor has reason to believe the consumer committed fraud in connection with the application. S008 §1026.48(c)(3)(i)(A). ecfr.gov R. No actual fraud, prohibited-credit, or evidentiary finding.
R018-P1-C031 An interest-rate change based on adjustment of the loan’s index is an enumerated exception. A discretionary margin increase or increased lender funding cost is not itself that index exception. S008 §1026.48(c)(3)(i)(B), comment 48(c)-4. ecfr.gov+1 R/I; distinction INF. Actual index, margin, and contract remain unknown.
R018-P1-C032 A change that unequivocally benefits the consumer is permitted under the stated exception. The reviewed clause contains no separate general exemption labeled “federally authorized loan-benefit changes.” A claimed authorization would require its own applicable authority or satisfaction of the actual exception. S008 §1026.48(c)(3)(i)(C), comment 48(c)-4. ecfr.gov+1 R/I/U. A “benefit” label does not establish unequivocal benefit.
R018-P1-C033 Loan amount may be reduced based on school/consumer certification or other information that COA decreased or other aid increased. Related rate/term changes are limited to those the consumer would have received on an original application for the reduced amount. Commentary also permits withdrawal based on school/consumer information that the student is not enrolled. S008 §1026.48(c)(3)(i)(D), comments 48(c)-4–5. ecfr.gov+1 R/I. These exceptions do not require new approval disclosures/new 30 days; final disclosures remain required.
R018-P1-C034 A creditor may accommodate a specific consumer request by changing terms, but then must provide new approval disclosures and a new 30-day acceptance opportunity. The prior offer remains protected unless the replacement is accepted or a separate §1026.48(c)(3) exception applies. S008 §1026.48(c)(4), comment 48(c)-6. ecfr.gov+1 R/I. Accommodation is optional; a consumer’s inquiry is not automatically acceptance of a replacement.
R018-P1-C035 No general lender “mistake,” changed-creditworthiness, or cost-of-funds exception appears in the reviewed §1026.48(c)(3) list. That list cannot be enlarged merely by describing a change as corrective. S008 §1026.48(c)(3)–(4), complete conditions and comments. ecfr.gov+2 INF. No determination of a statutory error defense, contract doctrine, remedy, or litigation outcome.
R018-P1-C036 The consumer may cancel without penalty until midnight of the third general business day following receipt of final disclosures. The final disclosure must specify the cancellation-expiration date. S008 §1026.48(d); S007 §1026.47(c)(4), comment 47(c)-1. ecfr.gov+2 R/I. Disclosure of a date and calculating an actual lawful date are separate tasks.
R018-P1-C037 The creditor must specify cancellation methods. Electronic cancellation cannot be the only method unless final disclosures were delivered electronically with applicable E-Sign compliance. If mail is allowed, the notice must identify the receiving address/agent and state the timely-dispatch rule. S007 §1026.47(c)(4); S008 comment 48(d)-2. ecfr.gov+1 R/I. No cancellation communication sent or assessed.
R018-P1-C038 No funds may be disbursed before the three-day period expires. The creditor must be reasonably satisfied cancellation was not exercised; permissible approaches include allowing reasonable time for mailed notice or obtaining a written nonexercise statement supplied and signed only at the end of the period. S008 §1026.48(d), comment 48(d)-2. ecfr.gov+1 R/I. No early-waiver mechanism is supplied by this comment.
R018-P1-C039 If the creditor voluntarily allows a longer cancellation period, the commentary permits disbursement after the statutory minimum period, but requires honoring a later timely cancellation within the longer period. S008, comment 48(d)-1. Consumer Financial Protection Bureau I. Resulting return/refund mechanics require the actual terms and other applicable authority; no universal free-use-and-return right established.
R018-P1-C040 Cancellation without penalty prohibits fees charged specifically for exercising cancellation. The commentary does not require refund of a fee, such as an application fee, charged to all consumers whether or not they cancel. S008, comment 48(d)-3. Consumer Financial Protection Bureau I. Not a conclusion that any particular fee is lawful or nonrefundable under every law.
R018-P1-C041 Separately, a private educational lender may not impose a fee or penalty for early repayment or prepayment of a private education loan. S002, 15 U.S.C. §1650(e). uscode.house.gov L. This is distinct from cancellation, principal forgiveness, accrued-charge treatment, and a refund calculation.
R018-P1-C042 The Subpart F cancellation right is distinct from §1026.23 principal-dwelling rescission. A loan secured by any dwelling is excluded from the Subpart F definition. Neither the education-loan cancellation rule nor a disclosure defect automatically establishes later discharge, settlement, refinancing, federal forgiveness, cosigner release, or invalidity. S006 §1026.46(b)(5)(iii); S012 §1026.23(a)(1); S008 §1026.48(d). ecfr.gov+2 R/INF. Full home-rescission and all remedies analyses remain outside this component.

C. Exact content, estimates, and presentation

Claim ID Precise claim, trigger, conditions, and exceptions Source and pinpoint Status and limits
R018-P1-C043 Application disclosures give only rates/ranges actually offered; applicable creditworthiness/other-factor qualification; fixed/variable status; adjustment frequency, increment/lifetime limits or absence; possible higher/lower actual rate; and any applicable-law limit statement. Variable-rate ranges reflect the actual index and margin. Default/delinquency/assumption/acceleration increases are addressed separately from the ordinary variable-rate characterization. S007 §1026.47(a)(1)(i)–(iii), comments 47(a)(1)(i)-1–3 and (iii)-1–2. Consumer Financial Protection Bureau R/I. Freshness periods are in the clock table. No actual rate or legal ceiling established.
R018-P1-C044 Application disclosures itemize required fees as a dollar amount or percentage; an estimated range is permitted where the exact fee is unknown. Required fees include finance charges and required non-finance-charge fees, including application fees charged regardless of credit extension. Default/late-payment fees, rate changes, and principal adjustments are disclosed. Later optional deferment/forbearance/modification fees are not required by this particular item. S007 §1026.47(a)(2), comments 1–2. Consumer Financial Protection Bureau R/I. Fee classification under the complete finance-charge rules remains held.
R018-P1-C045 Application repayment disclosures identify the maximum period for regularly scheduled principal/interest payments; deferral options or their absence; for each in-school option, interest accrual and possible capitalization; reference to contract information for later repayment-period deferrals; and the bankruptcy caution that repayment may still be required. S007 §1026.47(a)(3), comments 1–5. Consumer Financial Protection Bureau R/I. The bankruptcy warning is not an adjudication of nondischargeability.
R018-P1-C046 Application cost examples use total-of-payments methodology, the highest disclosed starting rate and applicable finance charges, and an amount financed of $10,000, or $5,000 where only smaller loans of that type are offered. Prepaid charges must be accounted for so the prescribed amount financed is actually represented; the percentage-fee commentary specifies a special gross-up assumption. S007 §1026.47(a)(4), comments 1–2; S011 §1026.18(h). ecfr.gov+1 R/I. These are prescribed disclosure-example inputs, not borrowing limits. No worked amount or APR validation performed.
R018-P1-C047 Examples must cover each in-school payment option using the actual capitalization method. Permitted deferral assumptions are four undergraduate years plus maximum applicable grace; for other loans, two years plus grace or the program’s shorter maximum; alternatively the full standard program duration plus grace. The alternative is not shortened to an individual student’s remaining enrollment. S007, comments 47(a)(4)-3–4. Consumer Financial Protection Bureau I. No actual enrollment or capitalization facts assumed.
R018-P1-C048 Application disclosures state applicable age/enrollment criteria concerning the consumer or cosigner and whether rates typically are higher without a cosigner/guarantor. A numerical estimate of the cosigner’s rate effect is not required by that comment. S007 §1026.47(a)(1)(iv), (5), comment 47(a)(1)(iv)-1; statutory context S001 §1638(e)(1)(D), (J). ecfr.gov+2 R/I/L. This does not authorize a cosigner requirement under other law or decide creditworthiness.
R018-P1-C049 Application alternatives disclosures say the consumer may qualify for Title IV aid, give applicable program rates and fixed/variable status, identify school/ED information and an appropriate ED website, and mention possible school-specific benefits. Where statutory rates vary by application/disbursement date, the commentary calls for the rate current when disclosure is provided. S007 §1026.47(a)(6), comments (a)(6)(ii)-1 and (iii)-1. ecfr.gov+1 R/I. No current federal-rate table or actual aid eligibility determination; underlying rate-program cross-references were not independently audited.
R018-P1-C050 Application disclosures also explain the 30-day availability/protection of approved terms subject to lawful changes and, when applicable, the requirement to complete self-certification before consummation and obtain the form through the institution. S007 §1026.47(a)(7)–(8), general comment 47-1. ecfr.gov+1 R/I. Inapplicable self-certification information may be omitted under the stated comment.
R018-P1-C051 Approval and final disclosures incorporate applicable §1026.18 items: creditor identity, amount financed/itemization, finance charge, APR, variable-rate information, payment schedule, total payments, and applicable demand/credit-sale/prepayment/late-charge/security/insurance/debt-cancellation/contract/deposit items. The express APR-disclosure exception is finance charge no more than $5 with amount financed no more than $75, or finance charge no more than $7.50 when amount financed exceeds $75. S007 §1026.47(b), (c); S011 §1026.18(a)–(r), especially (e). ecfr.gov+1 R. These APR exceptions are not rate or cost ceilings. Mortgage-only fields are not imported into an excluded secured transaction.
R018-P1-C052 Approval discloses actual rate, fixed/variable status and adjustment limits, itemized fees/default consequences, and principal equal to the note’s face amount at approval, labeled Total Loan Amount. That amount can differ from amount financed. Itemization can satisfy specified duplicate-placement requirements. S007 §1026.47(b)(1)–(3)(i), comments 47(b)(1)-1–3, (b)(2)-1, (b)(3)-1. Consumer Financial Protection Bureau R/I. No face amount, fee, or APR calculated.
R018-P1-C053 Approval repayment content includes term; chosen deferral and later options; required in-school payments; unpaid interest that will accrue; bankruptcy caution; and applicable payment schedule. The statute expressly mentions whether monthly payments are graduated; §1026.18(g) supplies the incorporated schedule requirement. S001 §1638(e)(2)(G)–(K); S007 §1026.47(b)(3)(ii)–(vi); S011 §1026.18(g). uscode.house.gov+2 L/R/I. No actual graduated-payment or repayment schedule assessed.
R018-P1-C054 Approval estimates total repayment at the actual approval rate and at the maximum contractual rate, or, absent a contractual maximum, an applicable legal ceiling. If no maximum can be determined, the prescribed assumption is 25%, with the required no-maximum/estimate warning. S007 §1026.47(b)(3)(vii), comment 47(b)(3)-6. Consumer Financial Protection Bureau R/I. 25% is not a universal lawful cap or actual rate. State/federal ceiling applicability is unresolved.
R018-P1-C055 Approval also gives maximum monthly payment using the prescribed maximum-rate approach or 25% assumption. The commentary permits reflecting contractual incremental rate-increase limits in the calculation; the no-maximum estimate warning remains required where applicable. A separate §1026.18(f)(1)(iv) variable-payment example is unnecessary because this education-loan disclosure supplies the specified maximum-payment information. S007 §1026.47(b)(3)(viii), comments 47(b)(3)-6(iii), -7 and 47(b)(1)-1. Consumer Financial Protection Bureau R/I. No calculation or lawful-price certification.
R018-P1-C056 Approval repeats the specified federal-aid possibility, rates, and information-source disclosures. The general “as applicable” comment allows omission of federal-alternative disclosures for private-loan consolidation and optional post-graduation transactions where inapplicable. S007 §1026.47(b)(4), comments 47-1 and 47(b)(4)-1. Consumer Financial Protection Bureau+1 R/I. No actual federal-aid availability finding.
R018-P1-C057 Approval must identify the specific acceptance-expiration date based on receipt, any longer period actually offered, permitted acceptance methods, and protection of terms subject to permitted changes. S007 §1026.47(b)(5), comment 47(b)(5)-1. Consumer Financial Protection Bureau R/I. A printed date is not proof that it was correctly calculated.
R018-P1-C058 Final content repeats applicable §1026.18 and §1026.47(b)(1)–(3) information and adds the cancellation notice. It does not repeat §1026.47(b)(4)’s federal-alternative or (b)(5)’s acceptance notice as final-stage requirements. The 2009 rule expressly addresses the statutory final-stage federal-aid wording and adopts the regulatory exception. S007 §1026.47(c); S001 §1638(e)(4); S005 §1604; S024, 74 FR 41221–41222, PDF 27–28. ecfr.gov+2 L/R/H. Statutory and regulatory content lists are not silently conflated.
R018-P1-C059 All Subpart F disclosures must be clear and conspicuous. Approval/final disclosures must be written and retainable, grouped and segregated, with only directly related information. Specified acknowledgments/date/consumer information are allowed; creditor identity, insurance/debt cancellation, and certain security-interest charges may appear separately. S006 §1026.46(c)(1)–(2), comment 46(c)-1; S011 §1026.17(a). ecfr.gov R/I. Text availability does not establish actual presentation compliance.
R018-P1-C060 The finance-charge term and amount and the interest rate receive special prominence, except for creditor identity. The final cancellation notice must be more conspicuous than other required disclosures except those specified items. For private education loans, APR is less conspicuous than finance charge, interest rate, and the cancellation notice. S006 §1026.46(c)(2)(iii); S007 §1026.47(c)(4), comment 47(c)-2; S011 §1026.17(a)(2). ecfr.gov+2 R/I. No universal mandatory 10-point Helvetica rule is inferred.
R018-P1-C061 Disclosures reflect the legal obligation. Unknown information is disclosed using the best information reasonably available and clearly identified as an estimate. This does not authorize inventing zero aid, a ceiling, or a known price. S006 §1026.46(e). ecfr.gov R; last sentence INF. Actual data and pricing rules remain held.
R018-P1-C062 A later event making an approval/final disclosure inaccurate is not itself a Regulation Z violation under §1026.46(g). This does not authorize a prohibited term change. Final disclosures remain required, and §1026.48(c)(4) can require new approval disclosures. The ordinary §1026.17(f) change rule is not substituted for the education-loan scheme. S006 §1026.46(g), comments 1–2; S011 §1026.17(f). ecfr.gov+2 R/I. No actual inaccuracy or violation determined.

D. Multiple parties, electronic delivery, self-certification, and models

Claim ID Precise claim, trigger, conditions, and exceptions Source and pinpoint Status and limits
R018-P1-C063 Multiple creditors select which will provide one complete set at each stage. With multiple consumers, delivery may be to any primarily liable consumer. Guarantors, endorsers, and sureties are not generally consumers under the ordinary definition; their status must not be assumed from “cosigner” alone. S006 §1026.46(f); S010 §1026.2(a)(11), comment 1; S011 §1026.17(d), comments. ecfr.gov+2 R/I. No universal separate-copy obligation to every cosigner established here; other-law duties and liability/release remain held.
R018-P1-C064 Application disclosures may accompany an electronically accessed application/solicitation without the E-Sign consent provisions. They qualify as “on or with” if automatically displayed; on the same page with a conspicuous location/cost-information reference; or linked so submission cannot bypass them. S006 §1026.46(c)(3), comment 46(c)(3)-1(i)–(iii). ecfr.gov+1 R/I. This special exception is not extended to approval/final disclosures.
R018-P1-C065 Electronic approval/final disclosure is subject to applicable E-Sign requirements: affirmative consent not withdrawn; prior clear disclosures of paper options, withdrawal conditions/consequences, scope, procedures/contact updates and paper-copy options/fees; hardware/software requirements; and electronic consent or confirmation reasonably demonstrating access to the form used. Material access-risk changes trigger additional information/consent requirements. S006 §1026.46(c)(3); S021, 15 U.S.C. §7001(c)(1)(A)–(D). ecfr.gov+1 L/R. Mere possession of an email address or agreement to loan terms is not established proof of these conditions.
R018-P1-C066 E-Sign preserves applicable substantive/timing obligations. An oral recording does not by itself satisfy the consumer-writing provision; electronic-consent defects do not, solely for that reason, automatically invalidate the contract under §7001(c)(3). Retention/accessibility provisions also matter. S021 §7001(b), (c)(2)–(6), (d)–(e). uscode.house.gov+1 L. No contract-validity or evidentiary ruling.
R018-P1-C067 Section 1026.46(d)(4) supplies a mailed-disclosure receipt rule. No automatic three-day electronic-receipt presumption appears in that provision. Actual electronic delivery, access, consent, and receipt evidence remain necessary unresolved categories. S006 §1026.46(d)(4); S021 §7001. ecfr.gov+1 R/INF/U. No electronic timestamp or actual receipt inferred.
R018-P1-C068 For a covered private loan intended for expenses while a student attends an IHE, the creditor must obtain the consumer/applicant-signed ED self-certification form before consummation, in written or permitted electronic form. S001 §1638(e)(3)(A); S008 §1026.48(e); S018 §1019d(a). uscode.house.gov+2 L/R. Actual form, signature, and consummation are held.
R018-P1-C069 The self-certification requirement is not coextensive with every covered institution. It applies to current or intended future IHE attendance; it does not apply where the loan is not intended for such attendance, such as post-graduation consolidation described in the comment. S008, comment 48(e)-1; S007, general comment 47-1. Consumer Financial Protection Bureau+1 I. No actual institution/attendance conclusion.
R018-P1-C070 Section 1638(e)(3)(B) limits the additional duty under that paragraph to collecting the required form. Obtaining a signed form is not proof of actual aid eligibility, lawful price, school eligibility, or accuracy of every underlying fact. S001 §1638(e)(3)(B); S008 comment 48(e)-1. uscode.house.gov+1 L/I; evidentiary distinction INF. Not a general exemption from other law.
R018-P1-C071 Participating institutions have request-based duties to provide the form and required information to the extent possessed; ED regulations address admitted/enrolled students and discussion of federal, state, and institutional aid upon request. S019 §1094(a)(28); S020 §§601.11(d), 668.14(b)(29); S018 §1019d(a)(2). uscode.house.gov+2 L/R. No school contact, record request, or aid determination.
R018-P1-C072 The form uses estimated COA and estimated financial assistance for the same covered period, with the difference C = A − B, plus aid-related notices and applicant certification/signature. A warning that borrowing above the difference may reduce aid is not a universal loan cap or actual eligibility finding. S018 §1019d(a)(3)–(5); S029 sections 1–5, document pp. 1–2/PDF 0–1; S031 self-certification discussion. uscode.house.gov+2 L/G/INF. No amount entered or calculation performed.
R018-P1-C073 The creditor may supply the form and information and receive the signed form directly or through the institution. Institutional certification does not replace the applicant’s required signed form. Electronic signatures are valid under this comment if they meet ED’s issued requirements. S008, comments 48(e)-1–2. Consumer Financial Protection Bureau I/U. The specific ED electronic-signature technical requirements referenced by the comment were not located/read.
R018-P1-C074 The official currently linked blank PDF located in this investigation is the 2023 form; its parsed text prints expiration August 31, 2025 and uses older expected-family-contribution language. Its introduction refers to obtaining the form before disbursement. None of that changes the statutory/regulatory before-consummation requirement or proves current OMB approval. S029 pp. 1–2/PDF 0–1; S030; S031; S001 §1638(e)(3); S018 current wording. fsapartners.ed.gov+3 G/U. No newer blank form or current approval status verified. Printed expiry does not repeal the statutory duty.
R018-P1-C075 The 2026–27 FSA Handbook explains the form’s information and printing/presentation requirements, including black ink/white paper and limited changes to the approved presentation. It uses current other-financial-assistance/SAI concepts and excludes the loan being certified from the assistance amount used for this purpose. S031, “Private Education Loans”/self-certification discussion, read bounds stated in source table. 2026-2027 Federal Student Aid Handbook+1 G. Handbook instructions are not a replacement statute or proof that the linked PDF has a current OMB approval.
R018-P1-C076 Use of H-series model disclosures is optional. Statutory safe harbor depends on a model accurately reflecting the lender’s practices; the official Appendix instructions govern permissible use/modification. Model use does not establish compliance with timing, recipient, consent, classification, or disbursement duties. S001 §1638(e)(5)(C); S026, Appendix H comment 25 and G/H commentary. uscode.house.gov+2 L/I/INF. No actual form receives safe-harbor certification.
R018-P1-C077 H-18–H-23 instructions restrict reordering headings, grouped disclosures, and sequencing. They allow specified inapplicable deletions, contact/date information, limited combinations and wording changes, appropriate page sizes, continuation references for two-sided presentation, and substantially similar readable design. Ten-point Helvetica is encouraged/model practice, not a universal mandatory font. S026, Appendix H comment 25(i)–(vi); general G/H comment 1’s special exception for these forms. Consumer Financial Protection Bureau+1 I. Permitted changes remain conditional; no actual layout inspected.
R018-P1-C078 H-18, H-19, H-20 and H-21, H-22, H-23 were read as parsed text across both PDF pages. The ED form was likewise parsed across both pages. Attempts to view the H-18–H-20 and ED-form pages returned noninspectable placeholders, not usable pixels. S027–S029; Appendix placeholders S026. federalreserve.gov+6 U, access finding. Parsed text is not visual verification. No full-form/layout compliance certified.
R018-P1-C079 Archived H-23 parsed text presents a no-maximum/25%-assumption statement on PDF page 0 but a statement that the rate will never exceed 25% on page 1. Without pixels and reconciliation, that artifact cannot establish a real contractual cap or current model compliance. Historical sample federal rates, programs, and benchmark references are not current pricing evidence. S028, H-23 pp. 1–2/PDF 0–1, especially page-1 extraction line 112; S007 §1026.47(b)(3). federalreserve.gov+1 U/INF. Apparent parsed-text inconsistency is reported, not adjudicated as a defect in current operative Appendix H.

E. Remaining §1026.48 provisions, history, and currentness

Claim ID Precise claim, trigger, conditions, and exceptions Source and pinpoint Status and limits
R018-P1-C080 A creditor other than the institution itself may not use school branding in a way implying endorsement. The rule provides specified equally prominent/proximate nonendorsement disclosures and a separate otherwise-lawful actual-endorsement arrangement route identifying the creditor as lender. Marketing includes transaction documents; commentary addresses creditor-name and authorized state-seal situations. S008 §1026.48(a)–(b), comments 1–3. ecfr.gov+1 R/I. No actual branding, endorsement, conflict-of-interest, or broader HEA compliance audit.
R018-P1-C081 A creditor aware it is party to a preferred-lender arrangement must provide the institution §1026.47(a)(1)–(5) information for each planned loan type for the next July–June period, annually by the later of April 1 or 30 days after entering/learning of the arrangement. Format is flexible under the comment. S008 §1026.48(f), comment 48(f)-1; S017 §1019(8); S001 §1638(e)(11). ecfr.gov+2 L/R/I. No preferred-lender list or arrangement searched.
R018-P1-C082 The 2008 enactment and its delayed-effect provisions must be distinguished from the 2009 regulation: final rule effective September 14, 2009; compliance optional until February 14, 2010. Mandatory loan application trigger was receipt on/after February 14, 2010; co-branding trigger was marketing on/after that date. Earlier applications could use specified optional disclosure stages, but applicable timing, acceptance/cancellation, and self-certification conditions accompanied that election. S001 effective-date notes; S024, 74 FR 41194 and 41248, PDF 0 and 54, comments 1(d)(6)-1–2. uscode.house.gov+2 H/L notes. Not retroactive treatment of an unidentified old loan.
R018-P1-C083 CFPB’s 2011 interim final rule republished Regulation Z as part 1026, effective December 30, 2011, with stated technical/conforming treatment rather than a substantive rewrite of these provisions. S025, 76 FR 79768–79769, dates and introductory discussion. federalregister.gov+2 H, interim final rule. The entire lengthy republication PDF was not read.
R018-P1-C084 Current HEA cross-references use amended COA and Student Aid Index terminology. Relevant statutory notes identify July 1, 2024/2024–25 award-year implementation, with authorized earlier implementation of specified COA provisions on or after July 1, 2023. S016 §1087ll and notes; S018 §1019d and notes. uscode.house.gov+1 L notes. No complete session-law implementation audit or award calculation.
R018-P1-C085 The CFPB’s December 2020 private-education-loan advisory opinion at 85 FR 79400 is listed as withdrawn effective May 12, 2025 in the official withdrawal materials. It is not used as operative authority here. Withdrawal does not repeal TILA or the separately published current regulation/official interpretations. S032 relevant register entry; S033, 90 FR 20084–20087, dates and Part III advisory-opinion item 13, PDF 0 and 2. Consumer Financial Protection Bureau+2 Withdrawn guidance; distinction L/R versus G. No other CFPB circular/bulletin/advisory is used as operative law.
R018-P1-C086 The accessed House pages report compilation through specified October 2026 public laws; eCFR Title 12/34 pages report their own October 23 currency. Those labels establish the retrieved version, not a complete annual-CFR, session-law, judicial-history, stay/vacatur, or later-amendment audit. S001–S025 version fields; S009 eCFR status statement. uscode.house.gov+2 U/currentness limit. No proposed/future rule, repealed text, or withdrawn guidance is substituted for the operative bodies read; unexamined later history remains unknown.

3. Model and self-certification comparison

Document family Function and content established by the text read Relevant conditions Actual read extent and unresolved visual/version issues
H-18 model / H-21 sample Application/solicitation: offered-rate range, fees, repayment options and comparative costs, federal alternatives, and next-step rights/information §1026.47(a), “as applicable” commentary, Appendix H comment 25 Both pages of each archived PDF parsed. H-18 image attempts did not provide inspectable pixels. Historical sample rates and names are not current product evidence
H-19 model / H-22 sample Approval: approved terms, loan amount and costs, payments, federal alternatives, acceptance date and methods §§1026.47(b), 1026.48(c); actual terms and receipt-based date required Both pages parsed. H-19 images unseen. No actual date, rate, or safe-harbor finding
H-20 model / H-23 sample Final: approved/updated transaction information and prominent cancellation date/method/no-funding notice §§1026.47(c), 1026.48(d); final disclosure after acceptance Both pages parsed. H-20 images unseen. H-23’s apparent 25% textual conflict remains unresolved
ED Private Education Loan Applicant Self-Certification Aid notices, estimated COA and assistance, difference, applicant certification, signature, definitions/instructions §1638(e)(3), §1026.48(e), §1019d; required before consummation where applicable Both pages of the 2023-linked PDF parsed; pixels unseen; printed expiration August 31, 2025; older EFC terminology; current OMB approval not verified
Appendix H instructions versus ED printing instructions Appendix H permits specified model adaptations; ED’s self-certification instructions constrain changes to its standardized form Different legal/form frameworks; their flexibility is not interchangeable Appendix H comments 25–28 and relevant 2026–27 Handbook instructions read. Neither substitutes for visual inspection of an actual delivered document

The source content supports the obligations and comparison above. It does not support a finding that an unseen document satisfies typography, grouping, continuation, contrast, sequencing, electronic-access, or safe-harbor conditions. See C059–C060 and C074–C079.

4. Clearly hypothetical qualitative branches

These are stipulated, generic branches without invented people, institutions, lenders, accounts, properties, or identifiers. “Evidence needed” identifies an abstract category for a possible audit; it is not a record request or authorization to investigate an actual matter.

Example Stipulated facts Provision-specific result versus unknown Generic evidence needed Adverse misclassification or failure
R018-P1-E01 — Title IV loan Credit is stipulated to be made under a Title IV program Excluded from the private-education-loan definition and covered by §1026.3(f)’s exemption. No federal collection conclusion Governing program authority and generic product terms Applying Subpart F’s private-loan cancellation scheme to a Title IV loan. C001, C009
R018-P1-E02 — Unknown purpose An unsecured closed-end loan is advertised near education content, but express use is unknown Coverage cannot be concluded from marketing context alone Generic purpose wording and relevant loan terms Treating any education-adjacent loan as expressly for postsecondary expenses. C004, C014, C017
R018-P1-E03 — Actual open-end structure All §1026.2(a)(20) open-end elements are stipulated Subpart F exclusion applies even if proceeds are used for tuition Generic repeated-credit, finance-charge, and replenishment terms Confusing repeated payments with closed-end private education credit. C010
R018-P1-E04 — Secured transaction The loan is stipulated to be secured by real property or a dwelling Excluded from Subpart F; no automatic conclusion about principal-dwelling rescission Generic security clause and transaction category Importing education-loan cancellation into an excluded secured transaction, or treating all personal-property security alike. C010, C042
R018-P1-E05 — Institutional short term Covered institution is creditor; term is at most 90 days; interest is charged Institutional exclusion applies; ordinary closed-end disclosure duties can remain Generic creditor/term/interest provisions Assuming interest alone defeats the 90-day exclusion, or that Subpart F exclusion eliminates TILA. C011, C013
R018-P1-E06 — Institutional zero-interest plan Institution is creditor; no interest rate applies; term is at most one year; more than four installments Subpart F exclusion applies; other TILA conditions still require separate analysis Generic installment, fee, term, and creditor provisions Treating more than four installments as automatically defeating the special exclusion. C012–C013
R018-P1-E07 — Institutional exception unavailable School-credit term exceeds the relevant limit or its interest condition fails That particular exclusion is unavailable; complete coverage still requires the remaining elements Generic legal obligation and creditor criteria Turning failure of one exclusion into automatic coverage without testing the other elements. C003, C011–C012
R018-P1-E08 — Missing application disclosure A covered education-specific application is provided; no §1026.47(a) disclosure; no telephone or multipurpose exception Failure branch: stipulated process does not meet the on-or-with application requirement Generic application and associated disclosure package Believing later approval disclosure always cures the application-stage omission. C019–C020, C043–C050
R018-P1-E09 — Mailing treated as receipt Approval notice calculates the acceptance period from mailing rather than the applicable receipt rule Failure branch: the stated trigger conflicts with the receipt-based rule Generic mailing method and date-calculation method Shortening the protected acceptance opportunity. C024–C025, C057
R018-P1-E10 — Wrong business-day definition A cancellation schedule automatically excludes every Saturday without examining creditor business functions Failure branch: the method is unsupported by the general definition Generic operating-functions calendar and final-receipt basis Producing an incorrect cancellation/funding date through an imported mortgage or mail-receipt calendar. C026–C027, C036
R018-P1-E11 — Margin increase called an index change During the protected period, the creditor increases margin solely because its funding costs rose Failure branch: the stipulated reason is not the index-adjustment exception Generic index/margin clauses and change explanation Treating every variable-rate increase as permitted. C029, C031, C035
R018-P1-E12 — Requested change without renewed opportunity Consumer asks for a different repayment option; creditor substitutes new terms and supplies neither new approval disclosure nor new acceptance period Failure branch: §1026.48(c)(4)’s conditions are not met on those facts Generic request, replacement-offer process, and disclosure sequence Treating a request as acceptance or permission to withdraw the original protected offer. C034
R018-P1-E13 — Acceptance treated as final disclosure Consumer accepts approval; creditor funds without issuing final disclosures and allowing cancellation Failure branch: acceptance does not satisfy final-disclosure/cancellation requirements Generic approval, acceptance, final-notice, and funding sequence Collapsing approval, acceptance, final disclosure, and funding into one event. C022, C036, C038
R018-P1-E14 — Timely cancellation and a cancellation charge Consumer uses an allowed method within the required period; creditor imposes a fee specifically for canceling Failure branch: the stipulated cancellation-specific fee conflicts with the rule Generic cancellation method and fee policy Confusing a permitted universally charged application fee with a prohibited cancellation penalty. C037, C040
R018-P1-E15 — Notice only to a surety Only recipient is stipulated to be a guarantor, not a primarily liable consumer Failure branch: that recipient does not satisfy the stated multiple-consumer rule Generic contractual role and recipient procedure Assuming every “cosigner” can replace disclosure to a primary obligor. C063
R018-P1-E16 — Missing self-certification IHE-attendance loan is consummated without the required signed form; obtaining it later is planned Failure branch: the before-consummation requirement is unmet on the stipulation Generic form/signature and event sequence Treating eventual collection before disbursement as the prescribed timing. C068–C074
R018-P1-E17 — Unknown aid entered as zero COA/aid are unknown, and a form or disclosure treats aid as zero without support The estimate cannot be justified merely by absence of knowledge; actual eligibility and amounts remain unknown Generic estimation basis and same-period information Converting an information gap into a favorable borrowing/aid conclusion. C061, C072
R018-P1-E18 — Electronic-only process without demonstrated consent Approval/final disclosure and sole acceptance/cancellation channels are electronic; applicable consent/access conditions are not established Failure branch if the stipulated conditions are absent; otherwise unresolved: the application-stage exception cannot validate the later stages Generic consent text, access demonstration, retention features, and delivery design Treating an online application or email address as universal E-Sign consent. C064–C067, C028, C037
R018-P1-E19 — Correct text, unseen layout A document’s text resembles H-series wording, but visual grouping/prominence is unknown No full-form or safe-harbor finding is supportable Inspectable blank-form pixels and actual presentation specifications Certifying compliance from extracted words alone. C059–C060, C076–C078
R018-P1-E20 — Official link treated as current approval A currently linked ED form prints an expired date and older terminology Link status alone does not establish current OMB approval or resolve the terminology discrepancy Official replacement/reapproval publication and current instructions Equating a current resource link with a complete form-version audit. C074–C075, C084
R018-P1-E21 — 25% treated as a lawful ceiling A reader interprets the prescribed no-maximum estimate or archived H-23 text as a universal rate cap No such cap follows; actual contractual/legal maximum remains unknown Generic contract and applicable public rate-ceiling authority Converting a disclosure assumption into legal pricing authorization. C054–C055, C079
R018-P1-E22 — ISA or scholarship label Only an income-share or scholarship-repayment label is known; operative obligations are unknown Classification and all further A018 consequences remain unresolved Generic published contract terms and applicable authority, without identifiers Automatically including or excluding an entire product family based on its name. C017
R018-P1-E23 — Claimed beneficial/federal change Creditor calls a change “federally authorized” or “beneficial,” but neither an applicable authority nor unequivocal benefit is stipulated No additional exception is established by that description Specific public authority and generic before/after terms Inventing a broad benefit or mistake exception. C030–C035
R018-P1-E24 — Tuition arrears alone Tuition is unpaid; no agreement establishing a right to defer, term, interest, or creditor status is supplied No complete private-loan classification is possible Generic receivable/payment-plan terms and governing credit definition Treating delinquency itself as proof of an originated covered loan. C003–C004, C013, C017

5. Blank generic document audit worksheet

No factual entries, identities, dates, amounts, or conclusions have been populated.

Audit question Governing reference / what the question distinguishes Document support or observation Finding / unresolved point
What legal obligation creates a right to defer payment? C004; §1026.2(a)(14) __________ __________
Does the ordinary regulatory creditor test apply? C002–C003; finance charge/installments, regularity, initial payee __________ __________
What establishes express educational purpose, in whole or part? C001, C014; §1026.46(b)(5)(ii) __________ __________
Is the loan made, insured, or guaranteed under Title IV? C009 __________ __________
Does the actual structure satisfy open-end criteria? C010 __________ __________
Is any real property or dwelling collateral involved? C010, C042 __________ __________
Is the institution within the incorporated covered-institution definition? C005–C006 __________ __________
Is the narrower IHE condition satisfied for self-certification? C068–C069 __________ __________
Which expenses fit the current COA cross-reference? C007–C008 __________ __________
Is the institution itself creditor, and does either special term/interest exclusion apply? C011–C013 __________ __________
Is the application education-specific or genuinely multipurpose? C014, C019 __________ __________
Is the communication an application, solicitation, or only invitation? C019 __________ __________
Were application disclosures supplied on or with the trigger document? C019–C020 __________ __________
Are rates/ranges actually offered and within the applicable freshness conditions? C043 __________ __________
Are required fees and default/late consequences itemized correctly? C044 __________ __________
Are all required repayment/deferral/capitalization options described? C045–C047 __________ __________
Are age/enrollment and cosigner rate-effect disclosures included as applicable? C048 __________ __________
Are current federal-alternative disclosures and appropriate information sources included? C049, C056 __________ __________
Do cost examples use the prescribed assumptions rather than an invented amount or cap? C046–C047, C054–C055 __________ __________
What communication first states approval? C021 __________ __________
Was the approval package delivered by the required channel and timing? C021, C025, C065 __________ __________
Who is primarily liable, and who received each disclosure stage? C063 __________ __________
What establishes receipt or the applicable mailed-receipt rule? C025, C067 __________ __________
Does the acceptance notice state the correct receipt-based period and methods? C024, C028, C057 __________ __________
Does any change fit a specific exception, with all conditions documented? C029–C035 __________ __________
If the consumer requested changes, were new approval disclosures and a new period supplied? C034 __________ __________
What constitutes acceptance under the permitted method? C028 __________ __________
Was the final disclosure supplied after acceptance? C022, C058 __________ __________
Are the final cancellation date, methods, mail rule, and no-funding statement present? C036–C038 __________ __________
Does the cancellation calculation use the creditor-business-functions definition? C026, C036 __________ __________
Was disbursement withheld through the required period and possible timely notice delivery? C038–C039 __________ __________
Is any fee specifically imposed for cancellation or prepayment? C040–C041 __________ __________
Was the required applicant-signed self-certification obtained before consummation? C068–C073 __________ __________
Do the COA/aid entries cover the same period and have a stated estimation basis? C061, C072 __________ __________
Is the blank self-certification version/current approval status established? C074–C075, C084 __________ __________
Is electronic consent separate from mere application/contract assent and demonstrably sufficient? C064–C067 __________ __________
Is the form retainable, grouped, segregated, and appropriately prominent? C059–C060 __________ __________
Are model changes within the actual Appendix conditions? C076–C077 __________ __________
Have pixels, continuation pages, contrast, type size, and electronic presentation actually been seen? C078–C079 __________ __________
Which conclusions remain outside this component? Parent holds below __________ __________

6. Source table — complete literal HTTPS URLs, read bounds, versions, and limits

Common metadata applicable to every row

Jurisdiction: US federal. Actual check date: October 27, 2026, America/Los_Angeles. Freshness: Every substantive body listed as read was freshly accessed in this assignment. Later internal reuse is reuse of that fresh reading, not a prior-report foundation.

Version abbreviations:

  • U120: House page states laws in effect through Public Law 119-120, October 7, 2026.
  • U121: House page states laws in effect through Public Law 119-121, October 9, 2026.
  • CZ: CFPB page labels itself the current regulation/interpretation; this is a publisher version label, not a complete annual-CFR audit.
  • E12: eCFR Title 12 displayed current through October 23, 2026, with that title last amended October 23.
  • E34: eCFR Title 34 displayed current through October 23, 2026, with that title last amended October 8.
  • HTML: no printed page or PDF index applies.
  • PDF index: zero-based. For model/form PDFs, document pages 1–2 correspond to indices 0–1; printed folios were not visually verified.
Source ID Issuer, title, and complete literal HTTPS URL(s) Exact body read / printed page / PDF index Version, effective predicate, and read/currentness limit
R018-P1-S001 US House OLRC, 15 U.S.C. §1638 — Transactions other than under an open end credit plan. https://uscode.house.gov/us/usc/119-118/t15/s1638/ Complete necessary §1638(e)(1)–(11); relevant subsection (a) disclosures and effective-date notes. HTML U120, despite older number in URL. Fresh body read; internal reuse. 2008 enactment/delayed-effect notes distinguished from 2009 rule dates. Not every unrelated mortgage clause/history audited
R018-P1-S002 US House OLRC, 15 U.S.C. §1650 — Preventing unfair and deceptive private educational lending practices and eliminating conflicts of interest. https://uscode.house.gov/us/usc/119-120/t15/s1650/ Entire (a)–(g) body and relevant notes read; reliance focuses on (a)(1)–(8) and (e). HTML U120. Other conflict/cosigner provisions were not developed into a complete component; later cosigner applicability remains held
R018-P1-S003 US House OLRC, 15 U.S.C. §1602 — Definitions and rules of construction. https://uscode.house.gov/us/usc/119-121/t15/s1602/ Relevant definitions (d)–(j), especially (g) creditor, (h) consumer, (i) open-end. HTML U121. Selected necessary body; not all definitions or historical amendments
R018-P1-S004 US House OLRC, 15 U.S.C. §1603 — Exempted transactions. https://uscode.house.gov/us/usc/119-121/t15/s1603/ Complete numbered exemptions (1)–(7) and relevant notes. HTML U121. No current annual amount threshold computed because private education loans are excepted from that amount exemption
R018-P1-S005 US House OLRC, 15 U.S.C. §1604 — Disclosure guidelines. https://uscode.house.gov/us/usc/119-121/t15/s1604/ (a)–(f), including adjustment/exception/model authority. HTML U121. Used for the rulemaking explanation, not an actual safe-harbor/remedy determination
R018-P1-S006 CFPB, §1026.46 and official interpretations. https://www.consumerfinance.gov/rules-policy/regulations/1026/46/ ; https://www.consumerfinance.gov/rules-policy/regulations/1026/interp-46/ Entire (a)–(g) and all section-specific official comments, including complete (b)(5) definition. HTML CZ. Fresh full substantive reading across retrievals; later navigation-heavy return not treated as operative body. Cross-checked against S009
R018-P1-S007 CFPB, §1026.47 and official interpretations. https://www.consumerfinance.gov/rules-policy/regulations/1026/47/ ; https://www.consumerfinance.gov/rules-policy/regulations/1026/interp-47/ Entire (a)–(c), every numbered content item, and all comments, including general “as applicable,” fee/example, maximum-payment, acceptance, and cancellation comments. HTML CZ. Entire focused body read; not all external computation/rate-law cross-references opened
R018-P1-S008 CFPB, §1026.48 and official interpretations. https://www.consumerfinance.gov/rules-policy/regulations/1026/48/ ; https://www.consumerfinance.gov/rules-policy/regulations/1026/interp-48/ Entire (a)–(f) and all comments, including every change exception, cancellation procedure, self-certification, co-branding, and preferred-lender condition. HTML CZ. Later main-page return supplied navigation; complete operative text independently retrieved in S009 and comments remained accessible
R018-P1-S009 OFR/GPO eCFR, 12 CFR part 1026, Subpart F. https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-F Complete operative §§1026.46–.48, read across body windows; no claim to a complete eCFR Supplement I reading through this URL. HTML E12. Page expressly describes eCFR as authoritative but unofficial; not an official annual edition. Same Regulation Z source family as S006–S008
R018-P1-S010 CFPB, Regulation Z scope, definitions, exemptions. https://www.consumerfinance.gov/rules-policy/regulations/1026/1/ ; https://www.consumerfinance.gov/rules-policy/regulations/1026/2/ ; https://www.consumerfinance.gov/rules-policy/regulations/1026/3/ §1(c)(1); §2(a)(3), (6), (10)–(14), (17)(i)/(v), (19)–(20), necessary comments; §3(a), (b)(1), (f), (g) and relevant comments. HTML CZ. Necessary gateway/clock bodies read; not all mortgage/card/retirement-plan cross-references
R018-P1-S011 CFPB/eCFR, §§1026.17–.18. https://www.consumerfinance.gov/rules-policy/regulations/1026/17/ ; https://www.consumerfinance.gov/rules-policy/regulations/1026/18/ ; https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-C/section-1026.18 §17(a), (b), (d), (e), relevant (f) and comments; complete §18(a)–(r) operative text, selected comments, mortgage (s)/(t) scope. HTML CZ/E12. Not complete finance-charge/APR computation, all §18 commentary, or full interim-credit/mortgage analysis
R018-P1-S012 CFPB, §1026.23 — Right of rescission. https://www.consumerfinance.gov/rules-policy/regulations/1026/23/ §23(a)(1) and relevant introductory comments only. HTML CZ. Read solely to distinguish principal-dwelling rescission; full exceptions, remedies, and history not audited
R018-P1-S013 US House OLRC, 20 U.S.C. §§1001–1002 — IHE definitions. https://uscode.house.gov/us/usc/119-121/t20/s1001/ ; https://uscode.house.gov/us/usc/119-120/t20/s1002/ Complete §1001(a)–(c), §1002(a)–(c), relevant effective note. HTML §1001 U121; §1002 U120. Full numbered definitions read, but not every incorporated eligibility/program rule
R018-P1-S014 ED/eCFR, 34 CFR §§600.2, .4, .5, .6. https://www.ecfr.gov/current/title-34/subtitle-B/chapter-VI/part-600/subpart-A/section-600.2 ; https://www.ecfr.gov/current/title-34/subtitle-B/chapter-VI/part-600/subpart-A/section-600.4 ; https://www.ecfr.gov/current/title-34/subtitle-B/chapter-VI/part-600/subpart-A/section-600.5 ; https://www.ecfr.gov/current/title-34/subtitle-B/chapter-VI/part-600/subpart-A/section-600.6 §600.2 selected educational-program, eligible-institution, nonprofit (1)–(4), regular-student, recognized-occupation definitions; complete .4(a)–(c), .5(a)–(e), .6(a)–(d). HTML E34. State authorization, program, accreditation, and foreign-school cross-references not comprehensively followed
R018-P1-S015 US House OLRC, 26 U.S.C. §501 — Exemption from tax. https://uscode.house.gov/us/usc/119-121/t26/s501/ (a), (b), and (c)(3). HTML U121. Limited nonprofit-definition cross-reference; no tax-status lookup, §221 classification, or complete tax analysis
R018-P1-S016 US House OLRC, 20 U.S.C. §1087ll — Cost of attendance. https://uscode.house.gov/us/usc/119-121/t20/s1087ll/ Complete (a)(1)–(14), (b), (c), and relevant amendment/effective notes. HTML U121. Updated COA language read; older Reg Z loan-fee illustration remains a bounded integration issue
R018-P1-S017 US House OLRC, 20 U.S.C. §1019 — Definitions. https://uscode.house.gov/us/usc/119-120/t20/s1019/ Complete numbered definitions (1)–(9), especially institution-affiliated organization and preferred-lender arrangement. HTML U120. No actual arrangement/entity inquiry
R018-P1-S018 US House OLRC, 20 U.S.C. §1019d — Self-certification form for private education loans. https://uscode.house.gov/us/usc/119-118/t20/s1019d/ Entire (a)–(b) and relevant notes; reliance principally (a)(1)–(5). HTML U120. Current SAI wording distinguished from older blank form; no actual remedy conclusion from subsection (b)
R018-P1-S019 US House OLRC, 20 U.S.C. §1094 — Program participation agreements. https://uscode.house.gov/us/usc/119-121/t20/s1094/ Subsection (a) opening and full (a)(28). HTML U121. No complete participation-agreement, school eligibility, or aid administration audit
R018-P1-S020 ED/eCFR, 34 CFR §§601.11, 668.14. https://www.ecfr.gov/current/title-34/subtitle-B/chapter-VI/part-601/subpart-B/section-601.11 ; https://www.ecfr.gov/current/title-34/subtitle-B/chapter-VI/part-668/subpart-B/section-668.14 Complete §601.11(a)–(d); full §668.14(b)(29). HTML E34. Whole-page future-rule notice not treated as proof of a change to these particular clauses; broader preferred-lender/participation duties held
R018-P1-S021 US House OLRC, 15 U.S.C. §7001 — E-Sign general validity rule. https://uscode.house.gov/us/usc/119-121/t15/s7001/ (a)–(c) complete; relevant retention/original provisions (d)–(e), effective notes. HTML U121. General effective date October 1, 2000; specified retention-related transitions separately noted in body. No actual consent/signature audit
R018-P1-S022 US House OLRC, 5 U.S.C. §6103 — Holidays. https://uscode.house.gov/us/usc/119-118/t5/s6103/ (a)–(d), especially complete (a) holiday list. HTML U120. Actual legal-holiday list, not an assumed business calendar
R018-P1-S023 US House OLRC, 15 U.S.C. §1681a — Definitions; rules of construction. https://uscode.house.gov/us/usc/119-121/t15/s1681a/ Complete (l)(1)–(3), firm offer of credit/insurance. HTML U121. Necessary solicitation cross-reference only; no consumer-report or prescreening inquiry
R018-P1-S024 Federal Reserve Board, Truth in Lending, final rule and official staff commentary, 74 FR 41194–41257, August 14, 2009. https://www.govinfo.gov/content/pkg/FR-2009-08-14/html/E9-18548.htm ; https://www.govinfo.gov/content/pkg/FR-2009-08-14/pdf/E9-18548.pdf ; issuance/discovery page https://www.federalreserve.gov/newsevents/pressreleases/bcreg20090730a.htm Material portions: 41194/PDF0 dates; 41198/4 business days; 41201–02/7–8 creditor/institution exceptions; 41208/14 timing; 41215–16/21–22 selected alternatives; 41221–22/27–28 final timing/content; 41226–28/32–34 selected cancellation/self-certification/effectivity; 41248/54 complete transition comments Historical final rule. Effective September 14, 2009; mandatory predicates detailed in C082. Selected body read, not all 64 PDF pages. Preamble distinguished from codified rule
R018-P1-S025 CFPB, Truth in Lending (Regulation Z), interim final rule, 76 FR 79768, December 22, 2011. https://www.federalregister.gov/documents/2011/12/22/2011-31715/truth-in-lending-regulation-z ; attempted PDF https://www.govinfo.gov/content/pkg/FR-2011-12-22/pdf/2011-31715.pdf HTML dates, summary, §§I and II.A–B; printed opening pp. 79768–79769. PDF body retrieval failed because file exceeded retrieval size; PDF indices not verified Historical interim final rule, effective December 30, 2011. No claim to reading the complete republication
R018-P1-S026 CFPB, Appendix H; official G/H and H interpretations. https://www.consumerfinance.gov/rules-policy/regulations/1026/h/ ; https://www.consumerfinance.gov/rules-policy/regulations/1026/interp-gh/ Appendix H comment 25(i)–(vi), comments 26–28; G/H comments 1–2; current H-18–H-23 labels/placeholders. HTML CZ. Applicable instructions read; current embedded model pixels not inspected
R018-P1-S027 Federal Reserve Board, H-18, H-19, H-20 model disclosures, issued with July 30, 2009 release. H-18 https://www.federalreserve.gov/newsevents/pressreleases/files/bcreg20090730a3.pdf ; H-19 https://www.federalreserve.gov/newsevents/pressreleases/files/bcreg20090730a4.pdf ; H-20 https://www.federalreserve.gov/newsevents/pressreleases/files/bcreg20090730a5.pdf All parsed text, both document pages/PDF indices 0–1 of each; extracted lines approximately 0–87, 0–131, 0–115 respectively Historical official models. Image attempts for all six pages supplied no inspectable pixels. Current visual identity/full-form compliance not established
R018-P1-S028 Federal Reserve Board, H-21, H-22, H-23 samples. H-21 https://www.federalreserve.gov/newsevents/pressreleases/files/bcreg20090730a6.pdf ; H-22 https://www.federalreserve.gov/newsevents/pressreleases/files/bcreg20090730a7.pdf ; H-23 https://www.federalreserve.gov/newsevents/pressreleases/files/bcreg20090730a8.pdf All parsed text, both pages/PDF 0–1 of each; approximately 111, 142, 126 extracted lines. H-23 conflict specifically page0 versus page1/line112 Historical official samples. No image inspection or current-rate inference; no sample identifiers reused
R018-P1-S029 ED/FSA, Private Education Loan Applicant Self-Certification. https://fsapartners.ed.gov/sites/default/files/2023-06/H450PrivateEducationLoanApplicantSelfCertificationForm.pdf Full parsed two-page form, sections 1–6, PDF indices 0–1; approximately 69 extracted lines Linked 2023 form; printed expiration August 31, 2025. Both page-image attempts unsuccessful. Current OMB approval and replacement status unresolved
R018-P1-S030 ED/FSA, Private Education Loans Form and Topics Page, July 6, 2023, GENERAL-23-55; current topic page. https://fsapartners.ed.gov/knowledge-center/library/electronic-announcements/2023-07-06/private-education-loans-form-and-topics-page ; https://fsapartners.ed.gov/knowledge-center/topics/private-education-loan-information Complete short announcement and topic/link page Official announcement/resource guidance. Establishes the located link path, not current OMB approval or statutory amendment
R018-P1-S031 ED/FSA, 2026–2027 FSA Handbook, Volume 2, Chapter 6 — Consumer Information and School Reporting. https://fsapartners.ed.gov/knowledge-center/fsa-handbook/2026-2027/vol2/ch6-consumer-information-and-school-reporting Private Education Loans/self-certification section, retrieved text around lines 986–1051 and related continuation; not entire chapter 2026–27 guidance edition. Read instructions and current form-link route; not legislative or full program-compliance authority
R018-P1-S032 CFPB, Withdrawn Guidance register. https://www.consumerfinance.gov/compliance/guidance/withdrawn-guidance/ Relevant December 2020 private-education-loan advisory entry, 85 FR 79400, and status Publisher withdrawal status, checked October 27, 2026. Underlying advisory not used as operative foundation
R018-P1-S033 CFPB, Interpretive Rules, Policy Statements, and Advisory Opinions; Withdrawal, May 12, 2025, 90 FR 20084–20087. https://www.federalregister.gov/documents/2025/05/12/2025-08286/interpretive-rules-policy-statements-and-advisory-opinions-withdrawal ; https://www.govinfo.gov/content/pkg/FR-2025-05-12/pdf/2025-08286.pdf CFPB summary/dates/relevant analysis and withdrawal list; effective-date text p.20084/PDF0; Part III item13 p.20086/PDF2. Unrelated material on first PDF page not relied on Withdrawal effective May 12, 2025. Status of the identified advisory verified; not a repeal of statute/regulation or a full litigation-history audit

7. Granular coverage table

“Answered” means the generic authority question was answered within the stated reading bounds. It does not mean an actual loan, institution, document, date, or parent component has been accepted.

Assigned subquestion or major branch Coverage status Claim/example links Exact missing authority or facts Next bounded permissible investigation
Complete statutory private-loan definition Answered C001–C002; E01–E04 Actual statutory actor/product facts held None needed for the stated generic definition
Regulatory creditor conditions and regularity Answered, bounded C002–C004; E07, E24 Actual extension counts, finance charge, installments, initial payee; full bank/credit-union charter definitions If necessary, read generic 12 U.S.C. §§1813/1752 definitions; no entity lookup
Consumer, borrower, student, guarantor distinctions Answered C004, C063; E15 Actual contractual roles and authority Generic published contract-language comparison only
Covered institution versus IHE Partial C005–C006, C069 Detailed §600.9, §668.8, accreditation and foreign-school cross-references Read only the specific generic subdefinition necessary for a further classification question
Tax-definition cross-reference Answered to necessary extent C006; S015 Further §501 exceptions and any tax-qualified-loan issue Separate tax component if needed; no status lookup
Postsecondary expenses and COA Answered with narrow gap C007–C008; E17 Actual expense/enrollment facts; integration of revised federal-fee wording Official amendment/interpretation addressing the fee cross-reference
Title IV exclusion Answered C009; E01 Actual program basis No ED collection research; generic program authority only if classification requires it
Other-purpose/unknown-purpose credit Answered as unresolved classification C004, C014, C017; E02 Express purpose and contract No actual fact investigation in this component
Open-end exclusion Answered C010; E03 Actual replenishment/repeated-transaction terms Generic contract structure only
Real-property/dwelling security exclusion Answered C010, C042; E04 Actual collateral terms No property query; separate generic secured-credit analysis if needed
Institutional ≤90-day credit Answered C011, C013; E05 Institution-as-creditor and actual term None needed for generic rule
Institutional ≤1-year/no-interest plan Answered C012–C013; E06–E07 Interest, term, fee, installment, creditor facts Generic plan terms only; ordinary TILA questions remain separate
Tuition arrears/receivables Partial; parent preserved C004, C017; E24 Right to defer and full obligation structure Separate generic tuition-receivable classification component
Unknown ISA/scholarship/overpayment Unresolved; parent preserved C017; E22 Operative contractual/legal features Separate public-authority/generic-contract component without identifiers
Mixed-purpose loans Answered C014; E02 Actual express-use indication None needed for generic rule
Private consolidation/optional postgraduate loans Answered, bounded C015–C016 Actual underlying loan and expense categories; federal refinancing not resolved Separate generic refinancing classification if authorized
Application versus invitation/solicitation Answered C019–C020; E08 Actual communication None needed for generic trigger
Approval trigger and channel timing Answered C021; E09 Approval wording, channel, mailing/delivery No actual notice audit
Final trigger and statutory/regulatory reconciliation Answered C022–C023, C058; E13 State-law consummation and actual sequence Generic state-law issue only in a separately bounded component
All three-stage content lists Answered, computation bounded C043–C058 Actual terms; full pricing calculations §1026.4/.22/Appendix J only if a later pricing component requires them
Rate ranges and permitted estimates Answered C043–C047, C054–C055, C061 Actual offered rates, fees, capitalization, ceilings Generic calculation rules; no actual lawful-APR finding
Federal-aid alternatives Answered as disclosure duty C049, C056 Actual current program rates and applicant eligibility; underlying rate-law cross-references Official generic Title IV rate provisions if a current rate table is separately required
Cosigner disclosures and recipient rules Answered, liability held C048, C063; E15 Primary versus secondary obligation; other-law notices Separate generic cosigner-liability/release component
Clear/conspicuous, segregation, prominence Answered as rule; visual unresolved C059–C060; E19 Actual pixels/layout Inspect official blank-form images when accessible; no unseen-layout certification
Electronic application exception Answered C064; E18 Actual on-screen placement/bypass behavior Generic interface specification only
Electronic approval/final consent Answered as statutory conditions C065–C067; E18 Consent, access, retention, delivery/receipt No actual account/browser inspection
Business-day definition for each period Answered C020–C027, C036; E10 Actual creditor business functions/calendar No personal calendar calculation
Mailed versus electronic receipt Answered / electronic facts unresolved C025, C067; E09, E18 Actual electronic receipt evidence Generic delivery-law interpretation if needed
Acceptance availability and methods Answered C024, C028–C029, C057; E09, E13 Actual receipt and acceptance No individual deadline
Index and beneficial changes Answered C031–C032; E11, E23 Actual index, margin, benefit, independent authority Read any specifically asserted generic federal authorization before relying on it
Aid/COA/enrollment change exception Answered C033 Actual source and substance of information No school/borrower records inquiry
Consumer-requested changes Answered C034; E12 Actual request, replacement acceptance None needed for generic conditions
Fraud/prohibited-law/mistake branches Answered within §48; other doctrines held C030, C035; E23 Actual fraud/legal prohibition; error-defense law outside scope Separate generic statutory-defense analysis only if assigned
Cancellation procedure and earliest funding Answered C036–C039; E13–E14 Actual notice, dispatch, end-of-period facts No actual cancellation or disbursement audit
Fee-free cancellation, return, prepayment Answered with return limits C039–C041; E14 Actual fee character, voluntary longer-period terms, return mechanics Separate generic refund/return provisions if necessary
Home rescission and later relief distinctions Answered as distinction; broader law excluded C042; E04 Full rescission/remedy/discharge facts and law Preserve for respective parent components
Self-certification statute/regulation Answered C068–C073; E16–E17 Actual attendance, form, signature, consummation No actual form completion
School provision/assistance duties Answered, bounded C071, C073 Actual request/information possessed No contacts or records requests
ED electronic-signature requirements Unresolved authority gap C073; E18 Specific ED-issued standards referenced by comment 48(e)-2 Locate official generic ED standards/instructions
Estimated aid/COA and form difference Answered as form function C061, C072, C075; E17 Actual estimates; current form integration Official generic instructions only; no award calculation
Current blank form/OMB status Partial C074–C075; E20 Official replacement/reapproval/current approval status Locate official blank replacement or published reapproval instructions without identifier testing
H-18–H-23 content and safe harbor Answered in text; visual partial C076–C079; E19, E21 Current embedded pixels and H-23 text reconciliation Public official image/form comparison only
Final-rule/transition history Answered for material transitions C082–C084 Full annual-CFR/session-law chain not audited Bounded official edition/session-law comparison if separately needed
Withdrawn CFPB guidance Answered for guidance mentioned C085 No other advisory used as operative law Recheck only any additional guidance actually proposed for use
Future/proposed/stayed/vacated/repealed status Bounded/unknown beyond checks C086 Complete amendment and judicial-history audit Published authority review only if material; no docket/status query
Ancillary co-branding/preferred-lender provisions Answered within §48 C080–C081 Other HEA conflict/arrangement obligations and actual facts Separate generic institutional-lending component
Numerical illustration Not needed C046, C054–C055, C072 No actual inputs None; no invented deadline, award, price, or APR
Blank worksheet and qualitative branches Delivered Worksheet; E01–E24 All worksheet factual entries intentionally blank No operational use or acceptance implied
Cases, standing, remedies, filing questions Excluded / not necessary here C035, C042, C086 No majority opinion or later history used Published majority opinion only if a future bounded interpretive issue makes it necessary
R017/T006 and ED federal collection Excluded by assignment C009 and parent holds No prior report or federal collection foundation No duplication or continuation inferred
Remaining A018 dimensions Preserved C017, C042 and holds below All unaddressed legal/product/contract/state/country facts Separate focused components; no parent closure

8. Question → claim/source crosswalk

User question Principal answer locations Main sources
1. Definitions, actors, covered institution, purpose, expenses, exclusions, institutional tests, labels C001–C018; E01–E07, E22, E24; classification coverage rows S002–S006, S009–S010, S013–S017
2. Complete necessary three-stage disclosure rules, timing, content, form, business days, electronic delivery, multiple parties Stage and clock tables; C019–C028, C043–C067; E08–E10, E15, E18–E19 S001, S006–S011, S021–S024, S026
3. Acceptance, changes, cancellation, fees, disbursement, distinct relief C024–C042, C057–C058; E09–E14, E23 S001–S002, S006–S010, S012, S024
4. Self-certification, official blank form/instructions, H-series models, history/currentness C068–C079, C082–C086; model table; E16–E21; source/read logs S001, S008, S018–S020, S024–S033
5. Comparison, worksheet, qualitative branches, gaps and parent holds All stage/clock/model tables; blank worksheet; E01–E24; granular coverage; self-check/holds Provision-specific sources above; no independent actual-record foundation

9. Read and failure log

Read or retrieval event Result and exact extent Consequence for this report
TILA education-loan statutory bodies §1638(e)(1)–(11) and §1650 definitions/restrictions read as bodies; necessary §1602/§1603/§1604 provisions and notes read Findings use operative text, not search snippets or headnotes
Regulation Z focused provisions Complete §§1026.46–.48 and all their section-specific official interpretations read across CFPB/eCFR retrievals Complete focused regulatory definition, conditions, exceptions, and disclosure lists were available
Necessary cross-references Selected scope/creditor/business-day/ordinary-disclosure/E-Sign/HEA/tax/holiday/FCRA bodies read to the extents in S010–S023 Unopened nested definitions and computation rules remain explicit gaps
2009 final rule Material body passages and transition comments read; exact printed/PDF pinpoints in S024 Historical implementation explanation used; no claim to reading all 64 pages
Early House preliminary routes Initial §1638 and §1650 requests returned 404 at https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title15-section1638&num=0&edition=prelim and https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title15-section1650&num=0&edition=prelim. Other preliminary-route attempts for definitions/E-Sign/holidays also failed; successful versioned body URLs are in the source table Recovered bodies supplied authority. Failed route does not imply no statute
Versioned HEA retrievals and malformed cross-link Some earlier-version §1001/§1002/§1087ll routes failed; successful bodies are S013/S016. A link led to https://uscode.house.gov/us/usc/119-120/t20/s1087/, which is not §1087ll Wrong-section destination was not used for COA or federal collection findings
ED short eCFR URL https://www.ecfr.gov/current/title-34/section-601.11 returned a retrieval error/rate-limit response; canonical S020 URL succeeded No substantive gap remains for §601.11’s read body
Legacy 2009 final-rule link https://edocket.access.gpo.gov/2009/E9-18548.htm redirected to a failing government redirect; direct GovInfo HTML/PDF succeeded S024 supplies the historical body
2011 republication GovInfo PDF retrieval failed because the roughly 40.9 MB file exceeded retrieval limits; GovInfo HTML route also failed. FederalRegister.gov introductory body succeeded Only stated HTML opening portions were read; full republication and PDF page indices remain unverified
Later CFPB main-page retrieval A final §1026.48 return supplied navigation rather than operative text; another §1026.46 return was navigation-heavy. Complete earlier bodies, current eCFR Subpart F, and separate interpretation pages remained available No main-page label or navigation text was substituted for substantive reading
Model/form parsed text All two-page H-18–H-23 PDFs and the two-page ED form were parsed and read Supports text-content comparison only
PDF image attempts H-18, H-19, H-20, and ED form: PDF indices 0 and 1 of each attempted; responses supplied placeholders without inspectable pixels Eight attempted page views did not produce visual verification. Samples H-21–H-23 were not visually inspected either
Current self-certification form search Official announcement/topic/2026–27 Handbook route led to the 2023 PDF with printed 2025 expiration. No newer official blank or reapproval was located in the bounded search Current OMB approval/replacement status remains unresolved; no claim that the statutory duty expired
ED electronic-signature cross-reference Comment 48(e)-2’s reference to ED-issued requirements was read; the specific technical standards were not located/read Electronic self-certification validity is not certified
Withdrawn guidance Official CFPB register and May 12, 2025 withdrawal publication checked for the 2020 advisory mentioned Advisory not used as operative law
Judicial authorities No case opinion was necessary to establish the focused rule text, and none was used No holding, disposition, later-history, stay/vacatur, standing, or remedy claim is made

Explicit unopened or incomplete cross-references

The following remain bounded gaps rather than assumed answers:

  • Full financial-institution/federal-credit-union definitions in 12 U.S.C. §§1813 and 1752.
  • Detailed ED state authorization, program, accreditation, and foreign-institution provisions, including 34 CFR §600.9, §668.8, relevant subpart O provisions, parts 602–603, and §600.51 et seq.
  • The entire finance-charge/APR framework, including 15 U.S.C. §§1605–1606, 12 CFR §§1026.4 and .22, and Appendix J.
  • Current federal-loan rate and award provisions referenced by the alternative-loan disclosures, including the relevant 20 U.S.C. §1077a cross-reference and any successor/applicable program provisions.
  • ED’s specific electronic-signature requirements referenced in comment 48(e)-2.
  • Official replacement/reapproval documentation for the currently linked self-certification form.
  • A complete annual-CFR/session-law comparison and any material published-opinion later-history review.
  • State contract/consummation, enforceability, usury, licensing, remedies, and all international law.

These limits do not negate the provisions whose complete necessary bodies were read.

10. Self-check — not independent review

This is an internal consistency and coverage check, not independent review, component acceptance, or a compliance certification.

Check Result
Fresh primary bodies rather than prior report/chat foundation Used fresh public statute, regulation, official interpretation, final-rule, and generic form/instruction readings
Complete private-education-loan regulatory definition Included all §1026.46(b)(5)(i)–(iv) conditions and both institutional exclusions
Three disclosure stages kept distinct Application, approval, and final triggers/content separated
Business-day definitions traced separately General delivery/cancellation definition distinguished from specific mailed-receipt definition and calendar-day acceptance
Statute versus regulation Consummation wording and regulatory acceptance/receipt implementation expressly distinguished
Change exceptions Index, unequivocal benefit, prohibited law/fraud, COA/aid reduction, nonenrollment comment, and consumer-requested changes addressed; no invented mistake exception
Cancellation versus refund/prepayment/other relief Distinctions expressly preserved
Self-certification Before-consummation requirement, narrower IHE scope, assistance, estimates, signature gap, form-version issue addressed
Model use and visuals Text read bounds stated; unseen pixels not certified; archived H-23 inconsistency reported
Currentness and withdrawal Exact accessed compilation/currency limits and 2025 advisory withdrawal identified
Qualitative branches Twenty-four branches supplied, including more than eight explicit stipulated failure branches
Worksheet Blank; no actual or fictitious identity, account, date, amount, or individualized finding
Numerical conclusions No personal calendar, actual price, award, universal APR, or invented credit ceiling
Operations and prohibited inquiries No record lookup, identifier testing, contact, filing, account change, purchase, site publication, or other person-directed action
Model/UI provenance No claim about an unseen UI model selection or provenance

11. Specific parent holds preserved

Actual facts remain held: purpose; product; actor and creditor status; institution and program; qualifying expenses; aid; thresholds; contract and consummation; notice content and delivery; receipt; electronic consent; acceptance; cancellation; self-certification; and disbursement.

The remaining A018 legal dimensions remain held: complete loan origination and pricing; servicing; delinquency/default; cosigner liability and release; state enforceability, usury, and licensing; settlement; collections; credit reporting; limitation periods; remedies; litigation; bankruptcy and tax; tuition receivables and plans beyond the focused classification rules; income-share arrangements; scholarship repayment; aid overpayments; transcripts; international/country law; and every other unaddressed A018 question.

R017/T006 and ED federal-loan collection are not researched or duplicated here. No comprehensive all-state, all-product, all-contract, or parent closure is implied.

No component, parent, operations, or publication acceptance is given.

END R018 PASS-01

Every captured table

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

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

How to read the research →

Captured table 01

Stage and operative trigger · Required recipient or actor · Required content · 8 data rows

Stage and operative triggerRequired recipient or actorRequired contentTiming and consequencePrincipal claims
Application or solicitation: a covered application, or an offer of credit that does not require an applicationCreditor provides to the prospective consumer; the multiple-consumer rule remains relevant§1026.47(a)(1)–(8): offered rates/ranges and variability; fees/default consequences; repayment and deferral terms; prescribed comparative cost examples; age/enrollment criteria; federal-aid alternatives; acceptance-right statement; applicable self-certification statementOn or with the application or solicitation. Telephone and multipurpose-application exceptions are specific, not general exemptions from Subpart FC019–C020, C043–C050
Approval: any notice that the loan has been approvedCreditor provides to the consumerApplicable §1026.18 disclosures plus §1026.47(b)(1)–(5): approved rate, fees, principal, repayment estimates, federal alternatives, and specific acceptance-expiration date/methodBefore consummation and on or with approval notice. In person: then. Mail: same mailing. Telephone: mail within three general business days. Electronic-only delivery requires applicable E-Sign compliance; otherwise mail within three general business daysC021, C051–C057, C065
Acceptance opportunity: receipt of approval disclosuresConsumer may accept by the disclosed permitted methodThe approval disclosure must identify the actual expiration date and acceptance methodsAt least 30 calendar days following receipt; creditor may allow longer. Consumer may accept earlier. Mailing an approval is not the receipt trigger. Acceptance by permitted mail is timely upon timely dispatchC024–C028
Acceptance and protection of disclosed termsConsumer communicates acceptance; creditor applies §1026.48(c)No substitute disclosure stage arises merely because the consumer acceptsRequired-disclosure terms remain protected until disbursement, subject to enumerated exceptions. The unaccepted offer may expire at the end of the 30-day period. Timely acceptance does not itself end the restrictionC029–C035
Final disclosure: consumer has acceptedCreditor provides to the consumerApplicable §1026.18 disclosures, §1026.47(b)(1)–(3) information, and the prominent cancellation notice specifying expiration date, methods, and no disbursement before the required period expiresAfter acceptance. The regulation does not provide a universal fixed number of days after acceptance for sending it. Its receipt starts the cancellation periodC022–C023, C058–C062
Cancellation: receipt of final disclosuresConsumer may cancel using a permitted method; creditor must honor the rightNotice must state the specific cancellation date and methods; permitted mailed cancellation is timely if mailed no later than that dateUntil midnight of the third general business day following receipt. No cancellation-specific penalty. Certain universally charged application fees need not be refunded under the commentaryC036–C040
DisbursementCreditorNo new fourth disclosure stage substitutes for the preceding requirementsNo funds before the required cancellation period expires. Creditor must be reasonably satisfied that the consumer has not canceled, including allowing for a timely mailed notice where appropriateC038–C039
Self-certification, where applicableCreditor obtains the applicant/consumer-signed ED form, directly or through the institutionRequired standardized form, cost/aid information, notices, and certificationBefore consummation, not merely before eventual disbursement. Applicability depends on attendance at an institution of higher education, which is narrower than the broader covered-institution categoryC068–C075

Captured table 02

Period or event · Actual unit and definition · Trigger, endpoint, or condition · 10 data rows

Period or eventActual unit and definitionTrigger, endpoint, or conditionWhat must not be assumed
Telephone application/solicitation fallback disclosureThree general business days: creditor’s offices open to the public for substantially all business functionsAfter the consumer applies; the timely-denial or timely-approval-disclosure exception is separately specifiedNot automatically Monday–Friday; not the special mailing-receipt definition
Approval communicated by telephone, or electronic approval without qualifying electronic deliveryThree general business daysAfter approval communication, for mailing the approval disclosuresSending approval electronically does not dispense with E-Sign requirements
Deemed receipt of mailed application, approval, or final disclosuresThree specific business days: all calendar days except Sundays and legal public holidays under 5 U.S.C. §6103(a)After mailing, under §1026.46(d)(4)Mailing day is not automatically receipt day; this rule is not automatically an email rule
Acceptance opportunityAt least 30 calendar daysFollowing receipt of approval disclosures; a longer disclosed period must be honoredNot 30 business days; not a mandatory 30-day waiting period before acceptance
CancellationThree general business days, ending at midnight of the third day following receiptReceipt of final disclosures under §1026.47(c)Do not import the special home-rescission definition or the mailing-receipt definition into this period
Mailed acceptance or cancellationDispatch rule within the applicable period, if mail is a permitted methodAcceptance placed in mail within the acceptance period; cancellation placed in mail no later than the disclosed cancellation dateActual arrival by the expiration date is not the stated mail rule
Application variable-rate freshnessDirect mail: rates effective within 60 days before mailing; electronic: within 30 days before sending/public viewing; printed public applications: within 30 days before printing; telephone: currently availableComment 47(a)(1)(i)-1These are unqualified “days,” not a separately designated business-day period; they concern offered-rate disclosure, not offer acceptance
Institutional exclusionsContractual term of 90 days or less, or one year or less with no interest rate applied to the balance§1026.46(b)(5)(iv), only where the covered institution is creditorThese are loan-term tests, not disclosure clocks
Self-certificationEvent-basedBefore consummation“Before disbursement” wording on a form does not replace this requirement
Preferred-lender annual informationLater of April 1 or 30 days after entering or learning of the arrangement; information concerns July 1–June 30§1026.48(f) and comment 48(f)-1The text does not call the 30 days “business days”; this is a school-information duty, not the consumer acceptance period

Captured table 03

Claim ID · Precise claim, trigger, conditions, and exceptions · Source and pinpoint · 18 data rows

Claim IDPrecise claim, trigger, conditions, and exceptionsSource and pinpointStatus and limits
R018-P1-C001The statutory private-education-loan definition requires a loan provided by a private educational lender, not made/insured/guaranteed under Title IV, and issued expressly for postsecondary educational expenses. Whether proceeds pass through an institution or directly to the borrower is not determinative. Open-end and the specified real-property/dwelling-secured transactions are excluded.S002, 15 U.S.C. §1650(a)(7)–(8). uscode.house.govL. No actual product classified.
R018-P1-C002Statutory “private educational lender” includes the specified financial institutions, federal credit unions, and other persons engaged in the business of soliciting, making, or extending these loans. Section 1602(g) includes private educational lenders as creditors. Regulation Z nevertheless applies its general creditor framework; the 2009 rule expressly explains that regulatory implementation.S002 §1650(a)(7); S003 §1602(g); S024, 74 FR 41201–41202, PDF indices 7–8. uscode.house.gov +2L/R/H. Statutory and regulatory formulations are not treated as identical. Full financial-charter cross-references were not independently audited.
R018-P1-C003The ordinary Regulation Z creditor test requires regularly extending consumer credit subject to a finance charge or payable by written agreement in more than four installments, excluding a downpayment, with the obligation initially payable to that person. The ordinary regularity test is more than 25 covered extensions in the preceding calendar year; if not met then, the current-year test applies.S010, §§1026.1(c)(1), 1026.2(a)(17)(i), (v), and relevant comments. Consumer Financial Protection Bureau +1R/I. Count is not limited to education loans. Special dwelling/high-cost-mortgage branches exist; no threshold is an all-purpose statutory immunity.
R018-P1-C004Consumer credit ordinarily concerns a natural person and primarily personal, family, or household purposes. Credit includes a right to defer payment of debt or incur debt and defer payment. An unpaid bill, without establishing the relevant right and other conditions, is insufficient by itself to classify a transaction.S010, §1026.2(a)(11), (12), (14); §1026.3(a). Consumer Financial Protection Bureau +2R/I; final sentence INF. No institutional receivable or contract examined.
R018-P1-C005Regulation Z’s covered educational institution is an institution meeting the HEA institution-of-higher-education definition without regard to accreditation, and includes specified agents, officers, and employees. The separate “institution of higher education” definition incorporates HEA §§101–102 and ED implementing regulations.S006/S009, §1026.46(b)(1)–(2), comments; S013–S014. Statutory formulation: S002 §1650(a)(2), (4). ecfr.gov +1L/R/I. Accreditation relaxation for “covered institution” must not automatically be carried into every IHE-dependent requirement. Elementary/secondary education is outside this definition.
R018-P1-C006The incorporated HEA/ED definitions contain distinct public/nonprofit, proprietary, and vocational categories, with authorization, admissions, program, duration, accreditation, and other conditions. For the nonprofit subtype, ED’s definition includes tax treatment under §501(c)(3) and additional ownership/operation and state-law conditions.S013 §§1001–1002; S014 §§600.2, .4–.6; S015 §501(a), (b), (c)(3). uscode.house.gov +2L/R. No actual school or tax status established. Unopened implementing cross-references remain listed below.
R018-P1-C007Postsecondary educational expenses incorporate the statutory cost-of-attendance categories, subject to their conditions: tuition/fees; books, supplies, equipment and computer allowance; transportation; qualifying personal and living costs; restricted correspondence/incarceration categories; approved study abroad; dependent care; disability expenses not supplied by another agency; telecommunications treatment; cooperative-education costs; specified federal-loan fees; and first professional licensing/credential costs.S006 §1026.46(b)(3); S016, 20 U.S.C. §1087ll(a)(1)–(14), (b)–(c). ecfr.gov +1L/R. Enrollment, living arrangement, reasonableness, program, and other statutory conditions matter. This is not an actual cost-of-attendance computation.
R018-P1-C008A narrow text/version issue remains: §1026.46(b)(3)’s older illustrative wording includes any loan/origination/insurance fee, while current §1087ll(a)(13) expressly refers to fees for loans under Title IV or another federal law. Those texts do not support silently declaring every private-loan fee a current qualifying COA item.S006/S009 §1026.46(b)(3); S016 §1087ll(a)(13). ecfr.gov +1U/INF. Fee-only classification and the precise integration of the amended cross-reference with the older illustration are held.
R018-P1-C009The exclusion is specifically for loans made, insured, or guaranteed under Title IV of the HEA. Section 1026.3(f) separately exempts those programs from Regulation Z. “Federal connection” alone is not the wording of this exclusion.S002 §1650(a)(8); S006 §1026.46(b)(5)(i); S010 §1026.3(f). ecfr.gov +1L/R. No ED collection, federal-loan servicing, or non-Title-IV program determination.
R018-P1-C010Subpart F excludes open-end credit and any loan secured by real property or a dwelling. Open-end status requires the actual repeated-transaction, finance-charge, and replenishing-credit characteristics in §1026.2(a)(20); installments or a label alone are insufficient. A dwelling need not be the principal residence. Other personal-property collateral is not automatically within this exclusion.S006 §1026.46(b)(5)(iii); S010 §1026.2(a)(19)–(20), comments. ecfr.gov +2R/I. Actual credit mechanics and security are held.
R018-P1-C011If the covered educational institution itself is creditor and the credit term is 90 days or less, the transaction is excluded from the private-education-loan definition even if interest is charged.S006 §1026.46(b)(5)(iv)(A), comment 46(b)(5)-3. ecfr.gov +1R/I. Both creditor identity and contractual term are necessary; a school connection alone is insufficient.
R018-P1-C012If the covered institution is creditor, no interest rate will be applied to the credit balance, and the term is one year or less, the credit is excluded even if payable in more than four installments.S006 §1026.46(b)(5)(iv)(B), comment 46(b)(5)-4. ecfr.gov +1R/I. “No interest” is the specific test; this does not automatically eliminate all other TILA questions about fees or installments.
R018-P1-C013Institutional short-term loans and billing plans excluded from Subpart F may still be subject to ordinary closed-end disclosures under §§1026.17–.18. For a short-term obligation due upon receipt of specified funds, the commentary addresses estimating when those funds will arrive.S006, comments 46(b)(5)-3–4; S011. Consumer Financial Protection BureauI. Exclusion from Subpart F is not exclusion from every consumer-credit law.
R018-P1-C014A multipurpose application can be exempt from the application disclosures under §1026.46(d)(1)(iii). If the resulting credit is expressly for educational expenses in whole or part and meets the other definition elements, approval/final disclosures and §1026.48 apply to the entire loan. The commentary permits reliance on a purpose line or checkbox.S006 §1026.46(d)(1)(iii), comment 46(b)(5)-2. ecfr.gov +1R/I. This is not a general multipurpose-loan exemption.
R018-P1-C015The official definition commentary includes consolidation of existing private education loans.S006, comment 46(b)(5)-1. Consumer Financial Protection BureauI. No reliance on the withdrawn 2020 CFPB advisory opinion; federal-loan refinancing is not resolved.
R018-P1-C016A creditor may elect Subpart F for specified post-graduation relocation, examination-study, internship/residency, and similar expenses otherwise governed by §§1026.17–.18. If the credit actually covers qualifying postsecondary expenses, coverage is mandatory; if the optional route is chosen, applicable Subpart F requirements follow.S006 §1026.46(a), official coverage comments. ecfr.gov +1R/I. No classification of an actual professional-school product.
R018-P1-C017“Tuition arrears,” “payment plan,” “income-share agreement,” “scholarship repayment,” or “aid overpayment” does not itself establish a covered private education loan. The credit right, creditor, express purpose, institution, expenses, and exclusions must be established.S006 §1026.46(b)(5); S010 §1026.2(a)(14), (17), (20). ecfr.gov +1INF/U. These additional A018 dimensions remain open; no generic conclusion that all or none are loans.
R018-P1-C018The general amount-based Regulation Z exemption does not exclude a transaction that is a private education loan. This is not a credit ceiling or approval requirement.S004, 15 U.S.C. §1603(3); S010 §1026.3(b)(1)(i)(B). uscode.house.gov +1L/R. No universal maximum loan, APR, or cost follows.
Source links captured in this table

Captured table 04

Claim ID · Precise claim, trigger, conditions, and exceptions · Source and pinpoint · 24 data rows

Claim IDPrecise claim, trigger, conditions, and exceptionsSource and pinpointStatus and limits
R018-P1-C019Application disclosures are due on or with any covered application or solicitation. A solicitation is an offer not requiring an application, including a qualifying FCRA firm offer. A mere invitation to apply is not that trigger unless it includes a written, electronic, telephone, take-one, or in-person application.S006 §1026.46(d)(1)(i), comment 46(d)(1)-1; S023 §1681a(l)(1)–(3). ecfr.gov +2R/I/L. No marketing communication or credit criteria were tested.
R018-P1-C020For a telephone application/solicitation, the creditor may provide §1026.47(a) orally. Otherwise it must provide or mail those disclosures no later than three general business days after application, unless it denies the application or provides/mails approval disclosures within the specified three-day period.S006 §1026.46(d)(1)(ii); S010 §1026.2(a)(6). ecfr.gov +1R. Telephone exception does not remove approval/final duties for a resulting covered loan.
R018-P1-C021Approval disclosures must accompany any approval notice before consummation. Mail notice and disclosures travel together; in-person approval requires then-delivery; telephone approval requires mailing within three general business days. Electronic delivery is subject to the electronic-disclosure rules; absent qualifying delivery, the three-day mailing fallback applies. A request for additional information before approval is not itself approval.S006 §1026.46(d)(2), comment 46(d)(2)-1. ecfr.gov +1R/I. Actual approval wording and delivery are held.
R018-P1-C022Final disclosures are provided after acceptance under §1026.48(c)(1). The operative text does not impose a universal “immediately after acceptance” deadline; the cancellation and funding restrictions still govern.S006 §1026.46(d)(3); S007 §1026.47(c); S008 §1026.48(d). ecfr.gov +1R. No actual event sequence established.
R018-P1-C023Statutory final-disclosure/cancellation provisions use consummation; Regulation Z implements them through acceptance and receipt of final disclosures. Consummation is when the consumer becomes contractually obligated under applicable law, not a universally interchangeable synonym for approval, acceptance, or funding.S001 §1638(e)(4), (6)–(8); S010 §1026.2(a)(13); S024, 74 FR 41208, 41221–41222, PDF 14, 27–28. uscode.house.gov +2L/R/H. State contract law and actual consummation remain held.
R018-P1-C024The consumer has at least 30 calendar days following receipt of approval disclosures to accept. A longer period is allowed, and the consumer may accept before its end.S008 §1026.48(c)(1), comment 48(c)-1. ecfr.gov +1R/I. No actual expiration date calculated.
R018-P1-C025Mailed application, approval, and final disclosures are considered received three specific business days after mailing. The specific definition excludes Sundays and §6103(a) holidays.S006 §1026.46(d)(4), comment 46(d)-1; S010 §1026.2(a)(6). ecfr.gov +2R/I. No automatic extension of this mailed-disclosure rule to email.
R018-P1-C026The general creditor-business-functions definition governs the telephone/fallback mailing periods and §1026.48(d) cancellation period. The special-definition list includes §1026.46(d)(4), but not §1026.48(d).S010 §1026.2(a)(6), comments 1–2; S024, 74 FR 41198, PDF 4. Consumer Financial Protection Bureau +1R/I/H. Actual office functions are unknown; no universal weekday calendar assumed.
R018-P1-C027Section 6103(a), including Juneteenth, controls the holiday cross-reference. The commentary’s older fixed-holiday illustration is incomplete as a current holiday list, and an observed substitute weekday is not automatically excluded under the specific definition.S022 §6103(a); S010 comment 2(a)(6)-2. uscode.house.gov +1L/I. No personal holiday calculation.
R018-P1-C028Acceptance may be oral, written, or electronic as permitted and disclosed. Electronic communication cannot be the only method unless approval disclosures were provided electronically with applicable E-Sign compliance. If mail is allowed, timely placement in the mail is sufficient.S008, comment 48(c)-2; S007 §1026.47(b)(5). Consumer Financial Protection Bureau +1I/R. Contractual authority of one borrower to bind another is not determined.
R018-P1-C029The freeze covers terms required to be disclosed under §1026.47(b) and (c), until disbursement or expiration of the 30-day period if unaccepted, subject to exceptions. Timely acceptance leaves protection in place until disbursement. Changes not affecting required-disclosure terms are not prohibited by this particular restriction.S008 §1026.48(c)(2), comment 48(c)-3. ecfr.gov +1R/I. Not a determination that every other contractual change is lawful.
R018-P1-C030Before consummation, an offer may be withdrawn if extending credit would be prohibited by law or the creditor has reason to believe the consumer committed fraud in connection with the application.S008 §1026.48(c)(3)(i)(A). ecfr.govR. No actual fraud, prohibited-credit, or evidentiary finding.
R018-P1-C031An interest-rate change based on adjustment of the loan’s index is an enumerated exception. A discretionary margin increase or increased lender funding cost is not itself that index exception.S008 §1026.48(c)(3)(i)(B), comment 48(c)-4. ecfr.gov +1R/I; distinction INF. Actual index, margin, and contract remain unknown.
R018-P1-C032A change that unequivocally benefits the consumer is permitted under the stated exception. The reviewed clause contains no separate general exemption labeled “federally authorized loan-benefit changes.” A claimed authorization would require its own applicable authority or satisfaction of the actual exception.S008 §1026.48(c)(3)(i)(C), comment 48(c)-4. ecfr.gov +1R/I/U. A “benefit” label does not establish unequivocal benefit.
R018-P1-C033Loan amount may be reduced based on school/consumer certification or other information that COA decreased or other aid increased. Related rate/term changes are limited to those the consumer would have received on an original application for the reduced amount. Commentary also permits withdrawal based on school/consumer information that the student is not enrolled.S008 §1026.48(c)(3)(i)(D), comments 48(c)-4–5. ecfr.gov +1R/I. These exceptions do not require new approval disclosures/new 30 days; final disclosures remain required.
R018-P1-C034A creditor may accommodate a specific consumer request by changing terms, but then must provide new approval disclosures and a new 30-day acceptance opportunity. The prior offer remains protected unless the replacement is accepted or a separate §1026.48(c)(3) exception applies.S008 §1026.48(c)(4), comment 48(c)-6. ecfr.gov +1R/I. Accommodation is optional; a consumer’s inquiry is not automatically acceptance of a replacement.
R018-P1-C035No general lender “mistake,” changed-creditworthiness, or cost-of-funds exception appears in the reviewed §1026.48(c)(3) list. That list cannot be enlarged merely by describing a change as corrective.S008 §1026.48(c)(3)–(4), complete conditions and comments. ecfr.gov +2INF. No determination of a statutory error defense, contract doctrine, remedy, or litigation outcome.
R018-P1-C036The consumer may cancel without penalty until midnight of the third general business day following receipt of final disclosures. The final disclosure must specify the cancellation-expiration date.S008 §1026.48(d); S007 §1026.47(c)(4), comment 47(c)-1. ecfr.gov +2R/I. Disclosure of a date and calculating an actual lawful date are separate tasks.
R018-P1-C037The creditor must specify cancellation methods. Electronic cancellation cannot be the only method unless final disclosures were delivered electronically with applicable E-Sign compliance. If mail is allowed, the notice must identify the receiving address/agent and state the timely-dispatch rule.S007 §1026.47(c)(4); S008 comment 48(d)-2. ecfr.gov +1R/I. No cancellation communication sent or assessed.
R018-P1-C038No funds may be disbursed before the three-day period expires. The creditor must be reasonably satisfied cancellation was not exercised; permissible approaches include allowing reasonable time for mailed notice or obtaining a written nonexercise statement supplied and signed only at the end of the period.S008 §1026.48(d), comment 48(d)-2. ecfr.gov +1R/I. No early-waiver mechanism is supplied by this comment.
R018-P1-C039If the creditor voluntarily allows a longer cancellation period, the commentary permits disbursement after the statutory minimum period, but requires honoring a later timely cancellation within the longer period.S008, comment 48(d)-1. Consumer Financial Protection BureauI. Resulting return/refund mechanics require the actual terms and other applicable authority; no universal free-use-and-return right established.
R018-P1-C040Cancellation without penalty prohibits fees charged specifically for exercising cancellation. The commentary does not require refund of a fee, such as an application fee, charged to all consumers whether or not they cancel.S008, comment 48(d)-3. Consumer Financial Protection BureauI. Not a conclusion that any particular fee is lawful or nonrefundable under every law.
R018-P1-C041Separately, a private educational lender may not impose a fee or penalty for early repayment or prepayment of a private education loan.S002, 15 U.S.C. §1650(e). uscode.house.govL. This is distinct from cancellation, principal forgiveness, accrued-charge treatment, and a refund calculation.
R018-P1-C042The Subpart F cancellation right is distinct from §1026.23 principal-dwelling rescission. A loan secured by any dwelling is excluded from the Subpart F definition. Neither the education-loan cancellation rule nor a disclosure defect automatically establishes later discharge, settlement, refinancing, federal forgiveness, cosigner release, or invalidity.S006 §1026.46(b)(5)(iii); S012 §1026.23(a)(1); S008 §1026.48(d). ecfr.gov +2R/INF. Full home-rescission and all remedies analyses remain outside this component.
Source links captured in this table

Captured table 05

Claim ID · Precise claim, trigger, conditions, and exceptions · Source and pinpoint · 20 data rows

Claim IDPrecise claim, trigger, conditions, and exceptionsSource and pinpointStatus and limits
R018-P1-C043Application disclosures give only rates/ranges actually offered; applicable creditworthiness/other-factor qualification; fixed/variable status; adjustment frequency, increment/lifetime limits or absence; possible higher/lower actual rate; and any applicable-law limit statement. Variable-rate ranges reflect the actual index and margin. Default/delinquency/assumption/acceleration increases are addressed separately from the ordinary variable-rate characterization.S007 §1026.47(a)(1)(i)–(iii), comments 47(a)(1)(i)-1–3 and (iii)-1–2. Consumer Financial Protection BureauR/I. Freshness periods are in the clock table. No actual rate or legal ceiling established.
R018-P1-C044Application disclosures itemize required fees as a dollar amount or percentage; an estimated range is permitted where the exact fee is unknown. Required fees include finance charges and required non-finance-charge fees, including application fees charged regardless of credit extension. Default/late-payment fees, rate changes, and principal adjustments are disclosed. Later optional deferment/forbearance/modification fees are not required by this particular item.S007 §1026.47(a)(2), comments 1–2. Consumer Financial Protection BureauR/I. Fee classification under the complete finance-charge rules remains held.
R018-P1-C045Application repayment disclosures identify the maximum period for regularly scheduled principal/interest payments; deferral options or their absence; for each in-school option, interest accrual and possible capitalization; reference to contract information for later repayment-period deferrals; and the bankruptcy caution that repayment may still be required.S007 §1026.47(a)(3), comments 1–5. Consumer Financial Protection BureauR/I. The bankruptcy warning is not an adjudication of nondischargeability.
R018-P1-C046Application cost examples use total-of-payments methodology, the highest disclosed starting rate and applicable finance charges, and an amount financed of $10,000, or $5,000 where only smaller loans of that type are offered. Prepaid charges must be accounted for so the prescribed amount financed is actually represented; the percentage-fee commentary specifies a special gross-up assumption.S007 §1026.47(a)(4), comments 1–2; S011 §1026.18(h). ecfr.gov +1R/I. These are prescribed disclosure-example inputs, not borrowing limits. No worked amount or APR validation performed.
R018-P1-C047Examples must cover each in-school payment option using the actual capitalization method. Permitted deferral assumptions are four undergraduate years plus maximum applicable grace; for other loans, two years plus grace or the program’s shorter maximum; alternatively the full standard program duration plus grace. The alternative is not shortened to an individual student’s remaining enrollment.S007, comments 47(a)(4)-3–4. Consumer Financial Protection BureauI. No actual enrollment or capitalization facts assumed.
R018-P1-C048Application disclosures state applicable age/enrollment criteria concerning the consumer or cosigner and whether rates typically are higher without a cosigner/guarantor. A numerical estimate of the cosigner’s rate effect is not required by that comment.S007 §1026.47(a)(1)(iv), (5), comment 47(a)(1)(iv)-1; statutory context S001 §1638(e)(1)(D), (J). ecfr.gov +2R/I/L. This does not authorize a cosigner requirement under other law or decide creditworthiness.
R018-P1-C049Application alternatives disclosures say the consumer may qualify for Title IV aid, give applicable program rates and fixed/variable status, identify school/ED information and an appropriate ED website, and mention possible school-specific benefits. Where statutory rates vary by application/disbursement date, the commentary calls for the rate current when disclosure is provided.S007 §1026.47(a)(6), comments (a)(6)(ii)-1 and (iii)-1. ecfr.gov +1R/I. No current federal-rate table or actual aid eligibility determination; underlying rate-program cross-references were not independently audited.
R018-P1-C050Application disclosures also explain the 30-day availability/protection of approved terms subject to lawful changes and, when applicable, the requirement to complete self-certification before consummation and obtain the form through the institution.S007 §1026.47(a)(7)–(8), general comment 47-1. ecfr.gov +1R/I. Inapplicable self-certification information may be omitted under the stated comment.
R018-P1-C051Approval and final disclosures incorporate applicable §1026.18 items: creditor identity, amount financed/itemization, finance charge, APR, variable-rate information, payment schedule, total payments, and applicable demand/credit-sale/prepayment/late-charge/security/insurance/debt-cancellation/contract/deposit items. The express APR-disclosure exception is finance charge no more than $5 with amount financed no more than $75, or finance charge no more than $7.50 when amount financed exceeds $75.S007 §1026.47(b), (c); S011 §1026.18(a)–(r), especially (e). ecfr.gov +1R. These APR exceptions are not rate or cost ceilings. Mortgage-only fields are not imported into an excluded secured transaction.
R018-P1-C052Approval discloses actual rate, fixed/variable status and adjustment limits, itemized fees/default consequences, and principal equal to the note’s face amount at approval, labeled Total Loan Amount. That amount can differ from amount financed. Itemization can satisfy specified duplicate-placement requirements.S007 §1026.47(b)(1)–(3)(i), comments 47(b)(1)-1–3, (b)(2)-1, (b)(3)-1. Consumer Financial Protection BureauR/I. No face amount, fee, or APR calculated.
R018-P1-C053Approval repayment content includes term; chosen deferral and later options; required in-school payments; unpaid interest that will accrue; bankruptcy caution; and applicable payment schedule. The statute expressly mentions whether monthly payments are graduated; §1026.18(g) supplies the incorporated schedule requirement.S001 §1638(e)(2)(G)–(K); S007 §1026.47(b)(3)(ii)–(vi); S011 §1026.18(g). uscode.house.gov +2L/R/I. No actual graduated-payment or repayment schedule assessed.
R018-P1-C054Approval estimates total repayment at the actual approval rate and at the maximum contractual rate, or, absent a contractual maximum, an applicable legal ceiling. If no maximum can be determined, the prescribed assumption is 25%, with the required no-maximum/estimate warning.S007 §1026.47(b)(3)(vii), comment 47(b)(3)-6. Consumer Financial Protection BureauR/I. 25% is not a universal lawful cap or actual rate. State/federal ceiling applicability is unresolved.
R018-P1-C055Approval also gives maximum monthly payment using the prescribed maximum-rate approach or 25% assumption. The commentary permits reflecting contractual incremental rate-increase limits in the calculation; the no-maximum estimate warning remains required where applicable. A separate §1026.18(f)(1)(iv) variable-payment example is unnecessary because this education-loan disclosure supplies the specified maximum-payment information.S007 §1026.47(b)(3)(viii), comments 47(b)(3)-6(iii), -7 and 47(b)(1)-1. Consumer Financial Protection BureauR/I. No calculation or lawful-price certification.
R018-P1-C056Approval repeats the specified federal-aid possibility, rates, and information-source disclosures. The general “as applicable” comment allows omission of federal-alternative disclosures for private-loan consolidation and optional post-graduation transactions where inapplicable.S007 §1026.47(b)(4), comments 47-1 and 47(b)(4)-1. Consumer Financial Protection Bureau +1R/I. No actual federal-aid availability finding.
R018-P1-C057Approval must identify the specific acceptance-expiration date based on receipt, any longer period actually offered, permitted acceptance methods, and protection of terms subject to permitted changes.S007 §1026.47(b)(5), comment 47(b)(5)-1. Consumer Financial Protection BureauR/I. A printed date is not proof that it was correctly calculated.
R018-P1-C058Final content repeats applicable §1026.18 and §1026.47(b)(1)–(3) information and adds the cancellation notice. It does not repeat §1026.47(b)(4)’s federal-alternative or (b)(5)’s acceptance notice as final-stage requirements. The 2009 rule expressly addresses the statutory final-stage federal-aid wording and adopts the regulatory exception.S007 §1026.47(c); S001 §1638(e)(4); S005 §1604; S024, 74 FR 41221–41222, PDF 27–28. ecfr.gov +2L/R/H. Statutory and regulatory content lists are not silently conflated.
R018-P1-C059All Subpart F disclosures must be clear and conspicuous. Approval/final disclosures must be written and retainable, grouped and segregated, with only directly related information. Specified acknowledgments/date/consumer information are allowed; creditor identity, insurance/debt cancellation, and certain security-interest charges may appear separately.S006 §1026.46(c)(1)–(2), comment 46(c)-1; S011 §1026.17(a). ecfr.govR/I. Text availability does not establish actual presentation compliance.
R018-P1-C060The finance-charge term and amount and the interest rate receive special prominence, except for creditor identity. The final cancellation notice must be more conspicuous than other required disclosures except those specified items. For private education loans, APR is less conspicuous than finance charge, interest rate, and the cancellation notice.S006 §1026.46(c)(2)(iii); S007 §1026.47(c)(4), comment 47(c)-2; S011 §1026.17(a)(2). ecfr.gov +2R/I. No universal mandatory 10-point Helvetica rule is inferred.
R018-P1-C061Disclosures reflect the legal obligation. Unknown information is disclosed using the best information reasonably available and clearly identified as an estimate. This does not authorize inventing zero aid, a ceiling, or a known price.S006 §1026.46(e). ecfr.govR; last sentence INF. Actual data and pricing rules remain held.
R018-P1-C062A later event making an approval/final disclosure inaccurate is not itself a Regulation Z violation under §1026.46(g). This does not authorize a prohibited term change. Final disclosures remain required, and §1026.48(c)(4) can require new approval disclosures. The ordinary §1026.17(f) change rule is not substituted for the education-loan scheme.S006 §1026.46(g), comments 1–2; S011 §1026.17(f). ecfr.gov +2R/I. No actual inaccuracy or violation determined.
Source links captured in this table

Captured table 06

Claim ID · Precise claim, trigger, conditions, and exceptions · Source and pinpoint · 17 data rows

Claim IDPrecise claim, trigger, conditions, and exceptionsSource and pinpointStatus and limits
R018-P1-C063Multiple creditors select which will provide one complete set at each stage. With multiple consumers, delivery may be to any primarily liable consumer. Guarantors, endorsers, and sureties are not generally consumers under the ordinary definition; their status must not be assumed from “cosigner” alone.S006 §1026.46(f); S010 §1026.2(a)(11), comment 1; S011 §1026.17(d), comments. ecfr.gov +2R/I. No universal separate-copy obligation to every cosigner established here; other-law duties and liability/release remain held.
R018-P1-C064Application disclosures may accompany an electronically accessed application/solicitation without the E-Sign consent provisions. They qualify as “on or with” if automatically displayed; on the same page with a conspicuous location/cost-information reference; or linked so submission cannot bypass them.S006 §1026.46(c)(3), comment 46(c)(3)-1(i)–(iii). ecfr.gov +1R/I. This special exception is not extended to approval/final disclosures.
R018-P1-C065Electronic approval/final disclosure is subject to applicable E-Sign requirements: affirmative consent not withdrawn; prior clear disclosures of paper options, withdrawal conditions/consequences, scope, procedures/contact updates and paper-copy options/fees; hardware/software requirements; and electronic consent or confirmation reasonably demonstrating access to the form used. Material access-risk changes trigger additional information/consent requirements.S006 §1026.46(c)(3); S021, 15 U.S.C. §7001(c)(1)(A)–(D). ecfr.gov +1L/R. Mere possession of an email address or agreement to loan terms is not established proof of these conditions.
R018-P1-C066E-Sign preserves applicable substantive/timing obligations. An oral recording does not by itself satisfy the consumer-writing provision; electronic-consent defects do not, solely for that reason, automatically invalidate the contract under §7001(c)(3). Retention/accessibility provisions also matter.S021 §7001(b), (c)(2)–(6), (d)–(e). uscode.house.gov +1L. No contract-validity or evidentiary ruling.
R018-P1-C067Section 1026.46(d)(4) supplies a mailed-disclosure receipt rule. No automatic three-day electronic-receipt presumption appears in that provision. Actual electronic delivery, access, consent, and receipt evidence remain necessary unresolved categories.S006 §1026.46(d)(4); S021 §7001. ecfr.gov +1R/INF/U. No electronic timestamp or actual receipt inferred.
R018-P1-C068For a covered private loan intended for expenses while a student attends an IHE, the creditor must obtain the consumer/applicant-signed ED self-certification form before consummation, in written or permitted electronic form.S001 §1638(e)(3)(A); S008 §1026.48(e); S018 §1019d(a). uscode.house.gov +2L/R. Actual form, signature, and consummation are held.
R018-P1-C069The self-certification requirement is not coextensive with every covered institution. It applies to current or intended future IHE attendance; it does not apply where the loan is not intended for such attendance, such as post-graduation consolidation described in the comment.S008, comment 48(e)-1; S007, general comment 47-1. Consumer Financial Protection Bureau +1I. No actual institution/attendance conclusion.
R018-P1-C070Section 1638(e)(3)(B) limits the additional duty under that paragraph to collecting the required form. Obtaining a signed form is not proof of actual aid eligibility, lawful price, school eligibility, or accuracy of every underlying fact.S001 §1638(e)(3)(B); S008 comment 48(e)-1. uscode.house.gov +1L/I; evidentiary distinction INF. Not a general exemption from other law.
R018-P1-C071Participating institutions have request-based duties to provide the form and required information to the extent possessed; ED regulations address admitted/enrolled students and discussion of federal, state, and institutional aid upon request.S019 §1094(a)(28); S020 §§601.11(d), 668.14(b)(29); S018 §1019d(a)(2). uscode.house.gov +2L/R. No school contact, record request, or aid determination.
R018-P1-C072The form uses estimated COA and estimated financial assistance for the same covered period, with the difference C = A − B, plus aid-related notices and applicant certification/signature. A warning that borrowing above the difference may reduce aid is not a universal loan cap or actual eligibility finding.S018 §1019d(a)(3)–(5); S029 sections 1–5, document pp. 1–2/PDF 0–1; S031 self-certification discussion. uscode.house.gov +2L/G/INF. No amount entered or calculation performed.
R018-P1-C073The creditor may supply the form and information and receive the signed form directly or through the institution. Institutional certification does not replace the applicant’s required signed form. Electronic signatures are valid under this comment if they meet ED’s issued requirements.S008, comments 48(e)-1–2. Consumer Financial Protection BureauI/U. The specific ED electronic-signature technical requirements referenced by the comment were not located/read.
R018-P1-C074The official currently linked blank PDF located in this investigation is the 2023 form; its parsed text prints expiration August 31, 2025 and uses older expected-family-contribution language. Its introduction refers to obtaining the form before disbursement. None of that changes the statutory/regulatory before-consummation requirement or proves current OMB approval.S029 pp. 1–2/PDF 0–1; S030; S031; S001 §1638(e)(3); S018 current wording. fsapartners.ed.gov +3G/U. No newer blank form or current approval status verified. Printed expiry does not repeal the statutory duty.
R018-P1-C075The 2026–27 FSA Handbook explains the form’s information and printing/presentation requirements, including black ink/white paper and limited changes to the approved presentation. It uses current other-financial-assistance/SAI concepts and excludes the loan being certified from the assistance amount used for this purpose.S031, “Private Education Loans”/self-certification discussion, read bounds stated in source table. 2026-2027 Federal Student Aid Handbook +1G. Handbook instructions are not a replacement statute or proof that the linked PDF has a current OMB approval.
R018-P1-C076Use of H-series model disclosures is optional. Statutory safe harbor depends on a model accurately reflecting the lender’s practices; the official Appendix instructions govern permissible use/modification. Model use does not establish compliance with timing, recipient, consent, classification, or disbursement duties.S001 §1638(e)(5)(C); S026, Appendix H comment 25 and G/H commentary. uscode.house.gov +2L/I/INF. No actual form receives safe-harbor certification.
R018-P1-C077H-18–H-23 instructions restrict reordering headings, grouped disclosures, and sequencing. They allow specified inapplicable deletions, contact/date information, limited combinations and wording changes, appropriate page sizes, continuation references for two-sided presentation, and substantially similar readable design. Ten-point Helvetica is encouraged/model practice, not a universal mandatory font.S026, Appendix H comment 25(i)–(vi); general G/H comment 1’s special exception for these forms. Consumer Financial Protection Bureau +1I. Permitted changes remain conditional; no actual layout inspected.
R018-P1-C078H-18, H-19, H-20 and H-21, H-22, H-23 were read as parsed text across both PDF pages. The ED form was likewise parsed across both pages. Attempts to view the H-18–H-20 and ED-form pages returned noninspectable placeholders, not usable pixels.S027–S029; Appendix placeholders S026. federalreserve.gov +6U, access finding. Parsed text is not visual verification. No full-form/layout compliance certified.
R018-P1-C079Archived H-23 parsed text presents a no-maximum/25%-assumption statement on PDF page 0 but a statement that the rate will never exceed 25% on page 1. Without pixels and reconciliation, that artifact cannot establish a real contractual cap or current model compliance. Historical sample federal rates, programs, and benchmark references are not current pricing evidence.S028, H-23 pp. 1–2/PDF 0–1, especially page-1 extraction line 112; S007 §1026.47(b)(3). federalreserve.gov +1U/INF. Apparent parsed-text inconsistency is reported, not adjudicated as a defect in current operative Appendix H.
Source links captured in this table

Captured table 07

Claim ID · Precise claim, trigger, conditions, and exceptions · Source and pinpoint · 7 data rows

Claim IDPrecise claim, trigger, conditions, and exceptionsSource and pinpointStatus and limits
R018-P1-C080A creditor other than the institution itself may not use school branding in a way implying endorsement. The rule provides specified equally prominent/proximate nonendorsement disclosures and a separate otherwise-lawful actual-endorsement arrangement route identifying the creditor as lender. Marketing includes transaction documents; commentary addresses creditor-name and authorized state-seal situations.S008 §1026.48(a)–(b), comments 1–3. ecfr.gov +1R/I. No actual branding, endorsement, conflict-of-interest, or broader HEA compliance audit.
R018-P1-C081A creditor aware it is party to a preferred-lender arrangement must provide the institution §1026.47(a)(1)–(5) information for each planned loan type for the next July–June period, annually by the later of April 1 or 30 days after entering/learning of the arrangement. Format is flexible under the comment.S008 §1026.48(f), comment 48(f)-1; S017 §1019(8); S001 §1638(e)(11). ecfr.gov +2L/R/I. No preferred-lender list or arrangement searched.
R018-P1-C082The 2008 enactment and its delayed-effect provisions must be distinguished from the 2009 regulation: final rule effective September 14, 2009; compliance optional until February 14, 2010. Mandatory loan application trigger was receipt on/after February 14, 2010; co-branding trigger was marketing on/after that date. Earlier applications could use specified optional disclosure stages, but applicable timing, acceptance/cancellation, and self-certification conditions accompanied that election.S001 effective-date notes; S024, 74 FR 41194 and 41248, PDF 0 and 54, comments 1(d)(6)-1–2. uscode.house.gov +2H/L notes. Not retroactive treatment of an unidentified old loan.
R018-P1-C083CFPB’s 2011 interim final rule republished Regulation Z as part 1026, effective December 30, 2011, with stated technical/conforming treatment rather than a substantive rewrite of these provisions.S025, 76 FR 79768–79769, dates and introductory discussion. federalregister.gov +2H, interim final rule. The entire lengthy republication PDF was not read.
R018-P1-C084Current HEA cross-references use amended COA and Student Aid Index terminology. Relevant statutory notes identify July 1, 2024/2024–25 award-year implementation, with authorized earlier implementation of specified COA provisions on or after July 1, 2023.S016 §1087ll and notes; S018 §1019d and notes. uscode.house.gov +1L notes. No complete session-law implementation audit or award calculation.
R018-P1-C085The CFPB’s December 2020 private-education-loan advisory opinion at 85 FR 79400 is listed as withdrawn effective May 12, 2025 in the official withdrawal materials. It is not used as operative authority here. Withdrawal does not repeal TILA or the separately published current regulation/official interpretations.S032 relevant register entry; S033, 90 FR 20084–20087, dates and Part III advisory-opinion item 13, PDF 0 and 2. Consumer Financial Protection Bureau +2Withdrawn guidance; distinction L/R versus G. No other CFPB circular/bulletin/advisory is used as operative law.
R018-P1-C086The accessed House pages report compilation through specified October 2026 public laws; eCFR Title 12/34 pages report their own October 23 currency. Those labels establish the retrieved version, not a complete annual-CFR, session-law, judicial-history, stay/vacatur, or later-amendment audit.S001–S025 version fields; S009 eCFR status statement. uscode.house.gov +2U/currentness limit. No proposed/future rule, repealed text, or withdrawn guidance is substituted for the operative bodies read; unexamined later history remains unknown.
Source links captured in this table

Captured table 08

Document family · Function and content established by the text read · Relevant conditions · 5 data rows

Document familyFunction and content established by the text readRelevant conditionsActual read extent and unresolved visual/version issues
H-18 model / H-21 sampleApplication/solicitation: offered-rate range, fees, repayment options and comparative costs, federal alternatives, and next-step rights/information§1026.47(a), “as applicable” commentary, Appendix H comment 25Both pages of each archived PDF parsed. H-18 image attempts did not provide inspectable pixels. Historical sample rates and names are not current product evidence
H-19 model / H-22 sampleApproval: approved terms, loan amount and costs, payments, federal alternatives, acceptance date and methods§§1026.47(b), 1026.48(c); actual terms and receipt-based date requiredBoth pages parsed. H-19 images unseen. No actual date, rate, or safe-harbor finding
H-20 model / H-23 sampleFinal: approved/updated transaction information and prominent cancellation date/method/no-funding notice§§1026.47(c), 1026.48(d); final disclosure after acceptanceBoth pages parsed. H-20 images unseen. H-23’s apparent 25% textual conflict remains unresolved
ED Private Education Loan Applicant Self-CertificationAid notices, estimated COA and assistance, difference, applicant certification, signature, definitions/instructions§1638(e)(3), §1026.48(e), §1019d; required before consummation where applicableBoth pages of the 2023-linked PDF parsed; pixels unseen; printed expiration August 31, 2025; older EFC terminology; current OMB approval not verified
Appendix H instructions versus ED printing instructionsAppendix H permits specified model adaptations; ED’s self-certification instructions constrain changes to its standardized formDifferent legal/form frameworks; their flexibility is not interchangeableAppendix H comments 25–28 and relevant 2026–27 Handbook instructions read. Neither substitutes for visual inspection of an actual delivered document

Captured table 09

Example · Stipulated facts · Provision-specific result versus unknown · 24 data rows

ExampleStipulated factsProvision-specific result versus unknownGeneric evidence neededAdverse misclassification or failure
R018-P1-E01 — Title IV loanCredit is stipulated to be made under a Title IV programExcluded from the private-education-loan definition and covered by §1026.3(f)’s exemption. No federal collection conclusionGoverning program authority and generic product termsApplying Subpart F’s private-loan cancellation scheme to a Title IV loan. C001, C009
R018-P1-E02 — Unknown purposeAn unsecured closed-end loan is advertised near education content, but express use is unknownCoverage cannot be concluded from marketing context aloneGeneric purpose wording and relevant loan termsTreating any education-adjacent loan as expressly for postsecondary expenses. C004, C014, C017
R018-P1-E03 — Actual open-end structureAll §1026.2(a)(20) open-end elements are stipulatedSubpart F exclusion applies even if proceeds are used for tuitionGeneric repeated-credit, finance-charge, and replenishment termsConfusing repeated payments with closed-end private education credit. C010
R018-P1-E04 — Secured transactionThe loan is stipulated to be secured by real property or a dwellingExcluded from Subpart F; no automatic conclusion about principal-dwelling rescissionGeneric security clause and transaction categoryImporting education-loan cancellation into an excluded secured transaction, or treating all personal-property security alike. C010, C042
R018-P1-E05 — Institutional short termCovered institution is creditor; term is at most 90 days; interest is chargedInstitutional exclusion applies; ordinary closed-end disclosure duties can remainGeneric creditor/term/interest provisionsAssuming interest alone defeats the 90-day exclusion, or that Subpart F exclusion eliminates TILA. C011, C013
R018-P1-E06 — Institutional zero-interest planInstitution is creditor; no interest rate applies; term is at most one year; more than four installmentsSubpart F exclusion applies; other TILA conditions still require separate analysisGeneric installment, fee, term, and creditor provisionsTreating more than four installments as automatically defeating the special exclusion. C012–C013
R018-P1-E07 — Institutional exception unavailableSchool-credit term exceeds the relevant limit or its interest condition failsThat particular exclusion is unavailable; complete coverage still requires the remaining elementsGeneric legal obligation and creditor criteriaTurning failure of one exclusion into automatic coverage without testing the other elements. C003, C011–C012
R018-P1-E08 — Missing application disclosureA covered education-specific application is provided; no §1026.47(a) disclosure; no telephone or multipurpose exceptionFailure branch: stipulated process does not meet the on-or-with application requirementGeneric application and associated disclosure packageBelieving later approval disclosure always cures the application-stage omission. C019–C020, C043–C050
R018-P1-E09 — Mailing treated as receiptApproval notice calculates the acceptance period from mailing rather than the applicable receipt ruleFailure branch: the stated trigger conflicts with the receipt-based ruleGeneric mailing method and date-calculation methodShortening the protected acceptance opportunity. C024–C025, C057
R018-P1-E10 — Wrong business-day definitionA cancellation schedule automatically excludes every Saturday without examining creditor business functionsFailure branch: the method is unsupported by the general definitionGeneric operating-functions calendar and final-receipt basisProducing an incorrect cancellation/funding date through an imported mortgage or mail-receipt calendar. C026–C027, C036
R018-P1-E11 — Margin increase called an index changeDuring the protected period, the creditor increases margin solely because its funding costs roseFailure branch: the stipulated reason is not the index-adjustment exceptionGeneric index/margin clauses and change explanationTreating every variable-rate increase as permitted. C029, C031, C035
R018-P1-E12 — Requested change without renewed opportunityConsumer asks for a different repayment option; creditor substitutes new terms and supplies neither new approval disclosure nor new acceptance periodFailure branch: §1026.48(c)(4)’s conditions are not met on those factsGeneric request, replacement-offer process, and disclosure sequenceTreating a request as acceptance or permission to withdraw the original protected offer. C034
R018-P1-E13 — Acceptance treated as final disclosureConsumer accepts approval; creditor funds without issuing final disclosures and allowing cancellationFailure branch: acceptance does not satisfy final-disclosure/cancellation requirementsGeneric approval, acceptance, final-notice, and funding sequenceCollapsing approval, acceptance, final disclosure, and funding into one event. C022, C036, C038
R018-P1-E14 — Timely cancellation and a cancellation chargeConsumer uses an allowed method within the required period; creditor imposes a fee specifically for cancelingFailure branch: the stipulated cancellation-specific fee conflicts with the ruleGeneric cancellation method and fee policyConfusing a permitted universally charged application fee with a prohibited cancellation penalty. C037, C040
R018-P1-E15 — Notice only to a suretyOnly recipient is stipulated to be a guarantor, not a primarily liable consumerFailure branch: that recipient does not satisfy the stated multiple-consumer ruleGeneric contractual role and recipient procedureAssuming every “cosigner” can replace disclosure to a primary obligor. C063
R018-P1-E16 — Missing self-certificationIHE-attendance loan is consummated without the required signed form; obtaining it later is plannedFailure branch: the before-consummation requirement is unmet on the stipulationGeneric form/signature and event sequenceTreating eventual collection before disbursement as the prescribed timing. C068–C074
R018-P1-E17 — Unknown aid entered as zeroCOA/aid are unknown, and a form or disclosure treats aid as zero without supportThe estimate cannot be justified merely by absence of knowledge; actual eligibility and amounts remain unknownGeneric estimation basis and same-period informationConverting an information gap into a favorable borrowing/aid conclusion. C061, C072
R018-P1-E18 — Electronic-only process without demonstrated consentApproval/final disclosure and sole acceptance/cancellation channels are electronic; applicable consent/access conditions are not establishedFailure branch if the stipulated conditions are absent; otherwise unresolved: the application-stage exception cannot validate the later stagesGeneric consent text, access demonstration, retention features, and delivery designTreating an online application or email address as universal E-Sign consent. C064–C067, C028, C037
R018-P1-E19 — Correct text, unseen layoutA document’s text resembles H-series wording, but visual grouping/prominence is unknownNo full-form or safe-harbor finding is supportableInspectable blank-form pixels and actual presentation specificationsCertifying compliance from extracted words alone. C059–C060, C076–C078
R018-P1-E20 — Official link treated as current approvalA currently linked ED form prints an expired date and older terminologyLink status alone does not establish current OMB approval or resolve the terminology discrepancyOfficial replacement/reapproval publication and current instructionsEquating a current resource link with a complete form-version audit. C074–C075, C084
R018-P1-E21 — 25% treated as a lawful ceilingA reader interprets the prescribed no-maximum estimate or archived H-23 text as a universal rate capNo such cap follows; actual contractual/legal maximum remains unknownGeneric contract and applicable public rate-ceiling authorityConverting a disclosure assumption into legal pricing authorization. C054–C055, C079
R018-P1-E22 — ISA or scholarship labelOnly an income-share or scholarship-repayment label is known; operative obligations are unknownClassification and all further A018 consequences remain unresolvedGeneric published contract terms and applicable authority, without identifiersAutomatically including or excluding an entire product family based on its name. C017
R018-P1-E23 — Claimed beneficial/federal changeCreditor calls a change “federally authorized” or “beneficial,” but neither an applicable authority nor unequivocal benefit is stipulatedNo additional exception is established by that descriptionSpecific public authority and generic before/after termsInventing a broad benefit or mistake exception. C030–C035
R018-P1-E24 — Tuition arrears aloneTuition is unpaid; no agreement establishing a right to defer, term, interest, or creditor status is suppliedNo complete private-loan classification is possibleGeneric receivable/payment-plan terms and governing credit definitionTreating delinquency itself as proof of an originated covered loan. C003–C004, C013, C017

Captured table 10

Audit question · Governing reference / what the question distinguishes · Document support or observation · 40 data rows

Audit questionGoverning reference / what the question distinguishesDocument support or observationFinding / unresolved point
What legal obligation creates a right to defer payment?C004; §1026.2(a)(14)____________________
Does the ordinary regulatory creditor test apply?C002–C003; finance charge/installments, regularity, initial payee____________________
What establishes express educational purpose, in whole or part?C001, C014; §1026.46(b)(5)(ii)____________________
Is the loan made, insured, or guaranteed under Title IV?C009____________________
Does the actual structure satisfy open-end criteria?C010____________________
Is any real property or dwelling collateral involved?C010, C042____________________
Is the institution within the incorporated covered-institution definition?C005–C006____________________
Is the narrower IHE condition satisfied for self-certification?C068–C069____________________
Which expenses fit the current COA cross-reference?C007–C008____________________
Is the institution itself creditor, and does either special term/interest exclusion apply?C011–C013____________________
Is the application education-specific or genuinely multipurpose?C014, C019____________________
Is the communication an application, solicitation, or only invitation?C019____________________
Were application disclosures supplied on or with the trigger document?C019–C020____________________
Are rates/ranges actually offered and within the applicable freshness conditions?C043____________________
Are required fees and default/late consequences itemized correctly?C044____________________
Are all required repayment/deferral/capitalization options described?C045–C047____________________
Are age/enrollment and cosigner rate-effect disclosures included as applicable?C048____________________
Are current federal-alternative disclosures and appropriate information sources included?C049, C056____________________
Do cost examples use the prescribed assumptions rather than an invented amount or cap?C046–C047, C054–C055____________________
What communication first states approval?C021____________________
Was the approval package delivered by the required channel and timing?C021, C025, C065____________________
Who is primarily liable, and who received each disclosure stage?C063____________________
What establishes receipt or the applicable mailed-receipt rule?C025, C067____________________
Does the acceptance notice state the correct receipt-based period and methods?C024, C028, C057____________________
Does any change fit a specific exception, with all conditions documented?C029–C035____________________
If the consumer requested changes, were new approval disclosures and a new period supplied?C034____________________
What constitutes acceptance under the permitted method?C028____________________
Was the final disclosure supplied after acceptance?C022, C058____________________
Are the final cancellation date, methods, mail rule, and no-funding statement present?C036–C038____________________
Does the cancellation calculation use the creditor-business-functions definition?C026, C036____________________
Was disbursement withheld through the required period and possible timely notice delivery?C038–C039____________________
Is any fee specifically imposed for cancellation or prepayment?C040–C041____________________
Was the required applicant-signed self-certification obtained before consummation?C068–C073____________________
Do the COA/aid entries cover the same period and have a stated estimation basis?C061, C072____________________
Is the blank self-certification version/current approval status established?C074–C075, C084____________________
Is electronic consent separate from mere application/contract assent and demonstrably sufficient?C064–C067____________________
Is the form retainable, grouped, segregated, and appropriately prominent?C059–C060____________________
Are model changes within the actual Appendix conditions?C076–C077____________________
Have pixels, continuation pages, contrast, type size, and electronic presentation actually been seen?C078–C079____________________
Which conclusions remain outside this component?Parent holds below____________________

Captured table 11

Source ID · Issuer, title, and complete literal HTTPS URL(s) · Exact body read / printed page / PDF index · 33 data rows

Source IDIssuer, title, and complete literal HTTPS URL(s)Exact body read / printed page / PDF indexVersion, effective predicate, and read/currentness limit
R018-P1-S001US House OLRC, 15 U.S.C. §1638 — Transactions other than under an open end credit plan. https://uscode.house.gov/us/usc/119-118/t15/s1638/Complete necessary §1638(e)(1)–(11); relevant subsection (a) disclosures and effective-date notes. HTMLU120, despite older number in URL. Fresh body read; internal reuse. 2008 enactment/delayed-effect notes distinguished from 2009 rule dates. Not every unrelated mortgage clause/history audited
R018-P1-S002US House OLRC, 15 U.S.C. §1650 — Preventing unfair and deceptive private educational lending practices and eliminating conflicts of interest. https://uscode.house.gov/us/usc/119-120/t15/s1650/Entire (a)–(g) body and relevant notes read; reliance focuses on (a)(1)–(8) and (e). HTMLU120. Other conflict/cosigner provisions were not developed into a complete component; later cosigner applicability remains held
R018-P1-S003US House OLRC, 15 U.S.C. §1602 — Definitions and rules of construction. https://uscode.house.gov/us/usc/119-121/t15/s1602/Relevant definitions (d)–(j), especially (g) creditor, (h) consumer, (i) open-end. HTMLU121. Selected necessary body; not all definitions or historical amendments
R018-P1-S004US House OLRC, 15 U.S.C. §1603 — Exempted transactions. https://uscode.house.gov/us/usc/119-121/t15/s1603/Complete numbered exemptions (1)–(7) and relevant notes. HTMLU121. No current annual amount threshold computed because private education loans are excepted from that amount exemption
R018-P1-S005US House OLRC, 15 U.S.C. §1604 — Disclosure guidelines. https://uscode.house.gov/us/usc/119-121/t15/s1604/(a)–(f), including adjustment/exception/model authority. HTMLU121. Used for the rulemaking explanation, not an actual safe-harbor/remedy determination
R018-P1-S006CFPB, §1026.46 and official interpretations. https://www.consumerfinance.gov/rules-policy/regulations/1026/46/ ; https://www.consumerfinance.gov/rules-policy/regulations/1026/interp-46/Entire (a)–(g) and all section-specific official comments, including complete (b)(5) definition. HTMLCZ. Fresh full substantive reading across retrievals; later navigation-heavy return not treated as operative body. Cross-checked against S009
R018-P1-S007CFPB, §1026.47 and official interpretations. https://www.consumerfinance.gov/rules-policy/regulations/1026/47/ ; https://www.consumerfinance.gov/rules-policy/regulations/1026/interp-47/Entire (a)–(c), every numbered content item, and all comments, including general “as applicable,” fee/example, maximum-payment, acceptance, and cancellation comments. HTMLCZ. Entire focused body read; not all external computation/rate-law cross-references opened
R018-P1-S008CFPB, §1026.48 and official interpretations. https://www.consumerfinance.gov/rules-policy/regulations/1026/48/ ; https://www.consumerfinance.gov/rules-policy/regulations/1026/interp-48/Entire (a)–(f) and all comments, including every change exception, cancellation procedure, self-certification, co-branding, and preferred-lender condition. HTMLCZ. Later main-page return supplied navigation; complete operative text independently retrieved in S009 and comments remained accessible
R018-P1-S009OFR/GPO eCFR, 12 CFR part 1026, Subpart F. https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-FComplete operative §§1026.46–.48, read across body windows; no claim to a complete eCFR Supplement I reading through this URL. HTMLE12. Page expressly describes eCFR as authoritative but unofficial; not an official annual edition. Same Regulation Z source family as S006–S008
R018-P1-S010CFPB, Regulation Z scope, definitions, exemptions. https://www.consumerfinance.gov/rules-policy/regulations/1026/1/ ; https://www.consumerfinance.gov/rules-policy/regulations/1026/2/ ; https://www.consumerfinance.gov/rules-policy/regulations/1026/3/§1(c)(1); §2(a)(3), (6), (10)–(14), (17)(i)/(v), (19)–(20), necessary comments; §3(a), (b)(1), (f), (g) and relevant comments. HTMLCZ. Necessary gateway/clock bodies read; not all mortgage/card/retirement-plan cross-references
R018-P1-S011CFPB/eCFR, §§1026.17–.18. https://www.consumerfinance.gov/rules-policy/regulations/1026/17/ ; https://www.consumerfinance.gov/rules-policy/regulations/1026/18/ ; https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-C/section-1026.18§17(a), (b), (d), (e), relevant (f) and comments; complete §18(a)–(r) operative text, selected comments, mortgage (s)/(t) scope. HTMLCZ/E12. Not complete finance-charge/APR computation, all §18 commentary, or full interim-credit/mortgage analysis
R018-P1-S012CFPB, §1026.23 — Right of rescission. https://www.consumerfinance.gov/rules-policy/regulations/1026/23/§23(a)(1) and relevant introductory comments only. HTMLCZ. Read solely to distinguish principal-dwelling rescission; full exceptions, remedies, and history not audited
R018-P1-S013US House OLRC, 20 U.S.C. §§1001–1002 — IHE definitions. https://uscode.house.gov/us/usc/119-121/t20/s1001/ ; https://uscode.house.gov/us/usc/119-120/t20/s1002/Complete §1001(a)–(c), §1002(a)–(c), relevant effective note. HTML§1001 U121; §1002 U120. Full numbered definitions read, but not every incorporated eligibility/program rule
R018-P1-S014ED/eCFR, 34 CFR §§600.2, .4, .5, .6. https://www.ecfr.gov/current/title-34/subtitle-B/chapter-VI/part-600/subpart-A/section-600.2 ; https://www.ecfr.gov/current/title-34/subtitle-B/chapter-VI/part-600/subpart-A/section-600.4 ; https://www.ecfr.gov/current/title-34/subtitle-B/chapter-VI/part-600/subpart-A/section-600.5 ; https://www.ecfr.gov/current/title-34/subtitle-B/chapter-VI/part-600/subpart-A/section-600.6§600.2 selected educational-program, eligible-institution, nonprofit (1)–(4), regular-student, recognized-occupation definitions; complete .4(a)–(c), .5(a)–(e), .6(a)–(d). HTMLE34. State authorization, program, accreditation, and foreign-school cross-references not comprehensively followed
R018-P1-S015US House OLRC, 26 U.S.C. §501 — Exemption from tax. https://uscode.house.gov/us/usc/119-121/t26/s501/(a), (b), and (c)(3). HTMLU121. Limited nonprofit-definition cross-reference; no tax-status lookup, §221 classification, or complete tax analysis
R018-P1-S016US House OLRC, 20 U.S.C. §1087ll — Cost of attendance. https://uscode.house.gov/us/usc/119-121/t20/s1087ll/Complete (a)(1)–(14), (b), (c), and relevant amendment/effective notes. HTMLU121. Updated COA language read; older Reg Z loan-fee illustration remains a bounded integration issue
R018-P1-S017US House OLRC, 20 U.S.C. §1019 — Definitions. https://uscode.house.gov/us/usc/119-120/t20/s1019/Complete numbered definitions (1)–(9), especially institution-affiliated organization and preferred-lender arrangement. HTMLU120. No actual arrangement/entity inquiry
R018-P1-S018US House OLRC, 20 U.S.C. §1019d — Self-certification form for private education loans. https://uscode.house.gov/us/usc/119-118/t20/s1019d/Entire (a)–(b) and relevant notes; reliance principally (a)(1)–(5). HTMLU120. Current SAI wording distinguished from older blank form; no actual remedy conclusion from subsection (b)
R018-P1-S019US House OLRC, 20 U.S.C. §1094 — Program participation agreements. https://uscode.house.gov/us/usc/119-121/t20/s1094/Subsection (a) opening and full (a)(28). HTMLU121. No complete participation-agreement, school eligibility, or aid administration audit
R018-P1-S020ED/eCFR, 34 CFR §§601.11, 668.14. https://www.ecfr.gov/current/title-34/subtitle-B/chapter-VI/part-601/subpart-B/section-601.11 ; https://www.ecfr.gov/current/title-34/subtitle-B/chapter-VI/part-668/subpart-B/section-668.14Complete §601.11(a)–(d); full §668.14(b)(29). HTMLE34. Whole-page future-rule notice not treated as proof of a change to these particular clauses; broader preferred-lender/participation duties held
R018-P1-S021US House OLRC, 15 U.S.C. §7001 — E-Sign general validity rule. https://uscode.house.gov/us/usc/119-121/t15/s7001/(a)–(c) complete; relevant retention/original provisions (d)–(e), effective notes. HTMLU121. General effective date October 1, 2000; specified retention-related transitions separately noted in body. No actual consent/signature audit
R018-P1-S022US House OLRC, 5 U.S.C. §6103 — Holidays. https://uscode.house.gov/us/usc/119-118/t5/s6103/(a)–(d), especially complete (a) holiday list. HTMLU120. Actual legal-holiday list, not an assumed business calendar
R018-P1-S023US House OLRC, 15 U.S.C. §1681a — Definitions; rules of construction. https://uscode.house.gov/us/usc/119-121/t15/s1681a/Complete (l)(1)–(3), firm offer of credit/insurance. HTMLU121. Necessary solicitation cross-reference only; no consumer-report or prescreening inquiry
R018-P1-S024Federal Reserve Board, Truth in Lending, final rule and official staff commentary, 74 FR 41194–41257, August 14, 2009. https://www.govinfo.gov/content/pkg/FR-2009-08-14/html/E9-18548.htm ; https://www.govinfo.gov/content/pkg/FR-2009-08-14/pdf/E9-18548.pdf ; issuance/discovery page https://www.federalreserve.gov/newsevents/pressreleases/bcreg20090730a.htmMaterial portions: 41194/PDF0 dates; 41198/4 business days; 41201–02/7–8 creditor/institution exceptions; 41208/14 timing; 41215–16/21–22 selected alternatives; 41221–22/27–28 final timing/content; 41226–28/32–34 selected cancellation/self-certification/effectivity; 41248/54 complete transition commentsHistorical final rule. Effective September 14, 2009; mandatory predicates detailed in C082. Selected body read, not all 64 PDF pages. Preamble distinguished from codified rule
R018-P1-S025CFPB, Truth in Lending (Regulation Z), interim final rule, 76 FR 79768, December 22, 2011. https://www.federalregister.gov/documents/2011/12/22/2011-31715/truth-in-lending-regulation-z ; attempted PDF https://www.govinfo.gov/content/pkg/FR-2011-12-22/pdf/2011-31715.pdfHTML dates, summary, §§I and II.A–B; printed opening pp. 79768–79769. PDF body retrieval failed because file exceeded retrieval size; PDF indices not verifiedHistorical interim final rule, effective December 30, 2011. No claim to reading the complete republication
R018-P1-S026CFPB, Appendix H; official G/H and H interpretations. https://www.consumerfinance.gov/rules-policy/regulations/1026/h/ ; https://www.consumerfinance.gov/rules-policy/regulations/1026/interp-gh/Appendix H comment 25(i)–(vi), comments 26–28; G/H comments 1–2; current H-18–H-23 labels/placeholders. HTMLCZ. Applicable instructions read; current embedded model pixels not inspected
R018-P1-S027Federal Reserve Board, H-18, H-19, H-20 model disclosures, issued with July 30, 2009 release. H-18 https://www.federalreserve.gov/newsevents/pressreleases/files/bcreg20090730a3.pdf ; H-19 https://www.federalreserve.gov/newsevents/pressreleases/files/bcreg20090730a4.pdf ; H-20 https://www.federalreserve.gov/newsevents/pressreleases/files/bcreg20090730a5.pdfAll parsed text, both document pages/PDF indices 0–1 of each; extracted lines approximately 0–87, 0–131, 0–115 respectivelyHistorical official models. Image attempts for all six pages supplied no inspectable pixels. Current visual identity/full-form compliance not established
R018-P1-S028Federal Reserve Board, H-21, H-22, H-23 samples. H-21 https://www.federalreserve.gov/newsevents/pressreleases/files/bcreg20090730a6.pdf ; H-22 https://www.federalreserve.gov/newsevents/pressreleases/files/bcreg20090730a7.pdf ; H-23 https://www.federalreserve.gov/newsevents/pressreleases/files/bcreg20090730a8.pdfAll parsed text, both pages/PDF 0–1 of each; approximately 111, 142, 126 extracted lines. H-23 conflict specifically page0 versus page1/line112Historical official samples. No image inspection or current-rate inference; no sample identifiers reused
R018-P1-S029ED/FSA, Private Education Loan Applicant Self-Certification. https://fsapartners.ed.gov/sites/default/files/2023-06/H450PrivateEducationLoanApplicantSelfCertificationForm.pdfFull parsed two-page form, sections 1–6, PDF indices 0–1; approximately 69 extracted linesLinked 2023 form; printed expiration August 31, 2025. Both page-image attempts unsuccessful. Current OMB approval and replacement status unresolved
R018-P1-S030ED/FSA, Private Education Loans Form and Topics Page, July 6, 2023, GENERAL-23-55; current topic page. https://fsapartners.ed.gov/knowledge-center/library/electronic-announcements/2023-07-06/private-education-loans-form-and-topics-page ; https://fsapartners.ed.gov/knowledge-center/topics/private-education-loan-informationComplete short announcement and topic/link pageOfficial announcement/resource guidance. Establishes the located link path, not current OMB approval or statutory amendment
R018-P1-S031ED/FSA, 2026–2027 FSA Handbook, Volume 2, Chapter 6 — Consumer Information and School Reporting. https://fsapartners.ed.gov/knowledge-center/fsa-handbook/2026-2027/vol2/ch6-consumer-information-and-school-reportingPrivate Education Loans/self-certification section, retrieved text around lines 986–1051 and related continuation; not entire chapter2026–27 guidance edition. Read instructions and current form-link route; not legislative or full program-compliance authority
R018-P1-S032CFPB, Withdrawn Guidance register. https://www.consumerfinance.gov/compliance/guidance/withdrawn-guidance/Relevant December 2020 private-education-loan advisory entry, 85 FR 79400, and statusPublisher withdrawal status, checked October 27, 2026. Underlying advisory not used as operative foundation
R018-P1-S033CFPB, Interpretive Rules, Policy Statements, and Advisory Opinions; Withdrawal, May 12, 2025, 90 FR 20084–20087. https://www.federalregister.gov/documents/2025/05/12/2025-08286/interpretive-rules-policy-statements-and-advisory-opinions-withdrawal ; https://www.govinfo.gov/content/pkg/FR-2025-05-12/pdf/2025-08286.pdfCFPB summary/dates/relevant analysis and withdrawal list; effective-date text p.20084/PDF0; Part III item13 p.20086/PDF2. Unrelated material on first PDF page not relied onWithdrawal effective May 12, 2025. Status of the identified advisory verified; not a repeal of statute/regulation or a full litigation-history audit
Source links captured in this table

Captured table 12

Assigned subquestion or major branch · Coverage status · Claim/example links · 51 data rows

Assigned subquestion or major branchCoverage statusClaim/example linksExact missing authority or factsNext bounded permissible investigation
Complete statutory private-loan definitionAnsweredC001–C002; E01–E04Actual statutory actor/product facts heldNone needed for the stated generic definition
Regulatory creditor conditions and regularityAnswered, boundedC002–C004; E07, E24Actual extension counts, finance charge, installments, initial payee; full bank/credit-union charter definitionsIf necessary, read generic 12 U.S.C. §§1813/1752 definitions; no entity lookup
Consumer, borrower, student, guarantor distinctionsAnsweredC004, C063; E15Actual contractual roles and authorityGeneric published contract-language comparison only
Covered institution versus IHEPartialC005–C006, C069Detailed §600.9, §668.8, accreditation and foreign-school cross-referencesRead only the specific generic subdefinition necessary for a further classification question
Tax-definition cross-referenceAnswered to necessary extentC006; S015Further §501 exceptions and any tax-qualified-loan issueSeparate tax component if needed; no status lookup
Postsecondary expenses and COAAnswered with narrow gapC007–C008; E17Actual expense/enrollment facts; integration of revised federal-fee wordingOfficial amendment/interpretation addressing the fee cross-reference
Title IV exclusionAnsweredC009; E01Actual program basisNo ED collection research; generic program authority only if classification requires it
Other-purpose/unknown-purpose creditAnswered as unresolved classificationC004, C014, C017; E02Express purpose and contractNo actual fact investigation in this component
Open-end exclusionAnsweredC010; E03Actual replenishment/repeated-transaction termsGeneric contract structure only
Real-property/dwelling security exclusionAnsweredC010, C042; E04Actual collateral termsNo property query; separate generic secured-credit analysis if needed
Institutional ≤90-day creditAnsweredC011, C013; E05Institution-as-creditor and actual termNone needed for generic rule
Institutional ≤1-year/no-interest planAnsweredC012–C013; E06–E07Interest, term, fee, installment, creditor factsGeneric plan terms only; ordinary TILA questions remain separate
Tuition arrears/receivablesPartial; parent preservedC004, C017; E24Right to defer and full obligation structureSeparate generic tuition-receivable classification component
Unknown ISA/scholarship/overpaymentUnresolved; parent preservedC017; E22Operative contractual/legal featuresSeparate public-authority/generic-contract component without identifiers
Mixed-purpose loansAnsweredC014; E02Actual express-use indicationNone needed for generic rule
Private consolidation/optional postgraduate loansAnswered, boundedC015–C016Actual underlying loan and expense categories; federal refinancing not resolvedSeparate generic refinancing classification if authorized
Application versus invitation/solicitationAnsweredC019–C020; E08Actual communicationNone needed for generic trigger
Approval trigger and channel timingAnsweredC021; E09Approval wording, channel, mailing/deliveryNo actual notice audit
Final trigger and statutory/regulatory reconciliationAnsweredC022–C023, C058; E13State-law consummation and actual sequenceGeneric state-law issue only in a separately bounded component
All three-stage content listsAnswered, computation boundedC043–C058Actual terms; full pricing calculations§1026.4/.22/Appendix J only if a later pricing component requires them
Rate ranges and permitted estimatesAnsweredC043–C047, C054–C055, C061Actual offered rates, fees, capitalization, ceilingsGeneric calculation rules; no actual lawful-APR finding
Federal-aid alternativesAnswered as disclosure dutyC049, C056Actual current program rates and applicant eligibility; underlying rate-law cross-referencesOfficial generic Title IV rate provisions if a current rate table is separately required
Cosigner disclosures and recipient rulesAnswered, liability heldC048, C063; E15Primary versus secondary obligation; other-law noticesSeparate generic cosigner-liability/release component
Clear/conspicuous, segregation, prominenceAnswered as rule; visual unresolvedC059–C060; E19Actual pixels/layoutInspect official blank-form images when accessible; no unseen-layout certification
Electronic application exceptionAnsweredC064; E18Actual on-screen placement/bypass behaviorGeneric interface specification only
Electronic approval/final consentAnswered as statutory conditionsC065–C067; E18Consent, access, retention, delivery/receiptNo actual account/browser inspection
Business-day definition for each periodAnsweredC020–C027, C036; E10Actual creditor business functions/calendarNo personal calendar calculation
Mailed versus electronic receiptAnswered / electronic facts unresolvedC025, C067; E09, E18Actual electronic receipt evidenceGeneric delivery-law interpretation if needed
Acceptance availability and methodsAnsweredC024, C028–C029, C057; E09, E13Actual receipt and acceptanceNo individual deadline
Index and beneficial changesAnsweredC031–C032; E11, E23Actual index, margin, benefit, independent authorityRead any specifically asserted generic federal authorization before relying on it
Aid/COA/enrollment change exceptionAnsweredC033Actual source and substance of informationNo school/borrower records inquiry
Consumer-requested changesAnsweredC034; E12Actual request, replacement acceptanceNone needed for generic conditions
Fraud/prohibited-law/mistake branchesAnswered within §48; other doctrines heldC030, C035; E23Actual fraud/legal prohibition; error-defense law outside scopeSeparate generic statutory-defense analysis only if assigned
Cancellation procedure and earliest fundingAnsweredC036–C039; E13–E14Actual notice, dispatch, end-of-period factsNo actual cancellation or disbursement audit
Fee-free cancellation, return, prepaymentAnswered with return limitsC039–C041; E14Actual fee character, voluntary longer-period terms, return mechanicsSeparate generic refund/return provisions if necessary
Home rescission and later relief distinctionsAnswered as distinction; broader law excludedC042; E04Full rescission/remedy/discharge facts and lawPreserve for respective parent components
Self-certification statute/regulationAnsweredC068–C073; E16–E17Actual attendance, form, signature, consummationNo actual form completion
School provision/assistance dutiesAnswered, boundedC071, C073Actual request/information possessedNo contacts or records requests
ED electronic-signature requirementsUnresolved authority gapC073; E18Specific ED-issued standards referenced by comment 48(e)-2Locate official generic ED standards/instructions
Estimated aid/COA and form differenceAnswered as form functionC061, C072, C075; E17Actual estimates; current form integrationOfficial generic instructions only; no award calculation
Current blank form/OMB statusPartialC074–C075; E20Official replacement/reapproval/current approval statusLocate official blank replacement or published reapproval instructions without identifier testing
H-18–H-23 content and safe harborAnswered in text; visual partialC076–C079; E19, E21Current embedded pixels and H-23 text reconciliationPublic official image/form comparison only
Final-rule/transition historyAnswered for material transitionsC082–C084Full annual-CFR/session-law chain not auditedBounded official edition/session-law comparison if separately needed
Withdrawn CFPB guidanceAnswered for guidance mentionedC085No other advisory used as operative lawRecheck only any additional guidance actually proposed for use
Future/proposed/stayed/vacated/repealed statusBounded/unknown beyond checksC086Complete amendment and judicial-history auditPublished authority review only if material; no docket/status query
Ancillary co-branding/preferred-lender provisionsAnswered within §48C080–C081Other HEA conflict/arrangement obligations and actual factsSeparate generic institutional-lending component
Numerical illustrationNot neededC046, C054–C055, C072No actual inputsNone; no invented deadline, award, price, or APR
Blank worksheet and qualitative branchesDeliveredWorksheet; E01–E24All worksheet factual entries intentionally blankNo operational use or acceptance implied
Cases, standing, remedies, filing questionsExcluded / not necessary hereC035, C042, C086No majority opinion or later history usedPublished majority opinion only if a future bounded interpretive issue makes it necessary
R017/T006 and ED federal collectionExcluded by assignmentC009 and parent holdsNo prior report or federal collection foundationNo duplication or continuation inferred
Remaining A018 dimensionsPreservedC017, C042 and holds belowAll unaddressed legal/product/contract/state/country factsSeparate focused components; no parent closure

Captured table 13

User question · Principal answer locations · Main sources · 5 data rows

User questionPrincipal answer locationsMain sources
1. Definitions, actors, covered institution, purpose, expenses, exclusions, institutional tests, labelsC001–C018; E01–E07, E22, E24; classification coverage rowsS002–S006, S009–S010, S013–S017
2. Complete necessary three-stage disclosure rules, timing, content, form, business days, electronic delivery, multiple partiesStage and clock tables; C019–C028, C043–C067; E08–E10, E15, E18–E19S001, S006–S011, S021–S024, S026
3. Acceptance, changes, cancellation, fees, disbursement, distinct reliefC024–C042, C057–C058; E09–E14, E23S001–S002, S006–S010, S012, S024
4. Self-certification, official blank form/instructions, H-series models, history/currentnessC068–C079, C082–C086; model table; E16–E21; source/read logsS001, S008, S018–S020, S024–S033
5. Comparison, worksheet, qualitative branches, gaps and parent holdsAll stage/clock/model tables; blank worksheet; E01–E24; granular coverage; self-check/holdsProvision-specific sources above; no independent actual-record foundation

Captured table 14

Read or retrieval event · Result and exact extent · Consequence for this report · 16 data rows

Read or retrieval eventResult and exact extentConsequence for this report
TILA education-loan statutory bodies§1638(e)(1)–(11) and §1650 definitions/restrictions read as bodies; necessary §1602/§1603/§1604 provisions and notes readFindings use operative text, not search snippets or headnotes
Regulation Z focused provisionsComplete §§1026.46–.48 and all their section-specific official interpretations read across CFPB/eCFR retrievalsComplete focused regulatory definition, conditions, exceptions, and disclosure lists were available
Necessary cross-referencesSelected scope/creditor/business-day/ordinary-disclosure/E-Sign/HEA/tax/holiday/FCRA bodies read to the extents in S010–S023Unopened nested definitions and computation rules remain explicit gaps
2009 final ruleMaterial body passages and transition comments read; exact printed/PDF pinpoints in S024Historical implementation explanation used; no claim to reading all 64 pages
Early House preliminary routesInitial §1638 and §1650 requests returned 404 at https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title15-section1638&num=0&edition=prelim and https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title15-section1650&num=0&edition=prelim. Other preliminary-route attempts for definitions/E-Sign/holidays also failed; successful versioned body URLs are in the source tableRecovered bodies supplied authority. Failed route does not imply no statute
Versioned HEA retrievals and malformed cross-linkSome earlier-version §1001/§1002/§1087ll routes failed; successful bodies are S013/S016. A link led to https://uscode.house.gov/us/usc/119-120/t20/s1087/, which is not §1087llWrong-section destination was not used for COA or federal collection findings
ED short eCFR URLhttps://www.ecfr.gov/current/title-34/section-601.11 returned a retrieval error/rate-limit response; canonical S020 URL succeededNo substantive gap remains for §601.11’s read body
Legacy 2009 final-rule linkhttps://edocket.access.gpo.gov/2009/E9-18548.htm redirected to a failing government redirect; direct GovInfo HTML/PDF succeededS024 supplies the historical body
2011 republicationGovInfo PDF retrieval failed because the roughly 40.9 MB file exceeded retrieval limits; GovInfo HTML route also failed. FederalRegister.gov introductory body succeededOnly stated HTML opening portions were read; full republication and PDF page indices remain unverified
Later CFPB main-page retrievalA final §1026.48 return supplied navigation rather than operative text; another §1026.46 return was navigation-heavy. Complete earlier bodies, current eCFR Subpart F, and separate interpretation pages remained availableNo main-page label or navigation text was substituted for substantive reading
Model/form parsed textAll two-page H-18–H-23 PDFs and the two-page ED form were parsed and readSupports text-content comparison only
PDF image attemptsH-18, H-19, H-20, and ED form: PDF indices 0 and 1 of each attempted; responses supplied placeholders without inspectable pixelsEight attempted page views did not produce visual verification. Samples H-21–H-23 were not visually inspected either
Current self-certification form searchOfficial announcement/topic/2026–27 Handbook route led to the 2023 PDF with printed 2025 expiration. No newer official blank or reapproval was located in the bounded searchCurrent OMB approval/replacement status remains unresolved; no claim that the statutory duty expired
ED electronic-signature cross-referenceComment 48(e)-2’s reference to ED-issued requirements was read; the specific technical standards were not located/readElectronic self-certification validity is not certified
Withdrawn guidanceOfficial CFPB register and May 12, 2025 withdrawal publication checked for the 2020 advisory mentionedAdvisory not used as operative law
Judicial authoritiesNo case opinion was necessary to establish the focused rule text, and none was usedNo holding, disposition, later-history, stay/vacatur, standing, or remedy claim is made
Source links captured in this table

Captured table 15

Check · Result · 15 data rows

CheckResult
Fresh primary bodies rather than prior report/chat foundationUsed fresh public statute, regulation, official interpretation, final-rule, and generic form/instruction readings
Complete private-education-loan regulatory definitionIncluded all §1026.46(b)(5)(i)–(iv) conditions and both institutional exclusions
Three disclosure stages kept distinctApplication, approval, and final triggers/content separated
Business-day definitions traced separatelyGeneral delivery/cancellation definition distinguished from specific mailed-receipt definition and calendar-day acceptance
Statute versus regulationConsummation wording and regulatory acceptance/receipt implementation expressly distinguished
Change exceptionsIndex, unequivocal benefit, prohibited law/fraud, COA/aid reduction, nonenrollment comment, and consumer-requested changes addressed; no invented mistake exception
Cancellation versus refund/prepayment/other reliefDistinctions expressly preserved
Self-certificationBefore-consummation requirement, narrower IHE scope, assistance, estimates, signature gap, form-version issue addressed
Model use and visualsText read bounds stated; unseen pixels not certified; archived H-23 inconsistency reported
Currentness and withdrawalExact accessed compilation/currency limits and 2025 advisory withdrawal identified
Qualitative branchesTwenty-four branches supplied, including more than eight explicit stipulated failure branches
WorksheetBlank; no actual or fictitious identity, account, date, amount, or individualized finding
Numerical conclusionsNo personal calendar, actual price, award, universal APR, or invented credit ceiling
Operations and prohibited inquiriesNo record lookup, identifier testing, contact, filing, account change, purchase, site publication, or other person-directed action
Model/UI provenanceNo claim about an unseen UI model selection or provenance

Find the assertion and its boundaries

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

How to read the research →

R018-P1-C001 Saved research record

The statutory private-education-loan definition requires a loan provided by a private educational lender, not made/insured/guaranteed under Title IV, and issued expressly for postsecondary educational expenses. Whether proceeds pass through an institution or directly to the borrower is not determinative. Open-end and the specified real-property/dwelling-secured transactions are excluded.

Recorded check status: fresh selected classification operative checked nested and comments held

Source and pinpoint
S002, 15 U.S.C. §1650(a)(7)–(8). uscode.house.gov
Status and limits
L. No actual product classified.

Recorded coordinator check boundaries

coordinator review
{"at": "2026-10-29T08:49:29.019966+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "atomic_reconciliation": "[internal evidence reference]", "disposition": "fresh_selected_classification_operative_checked_nested_and_comments_held", "scope": "Selected1650definitionandcomplete46operativechecked;gateway/HEA/tax/creditor/consumer/purpose/optionalcoveragecomments/rescissioncrossrefsnotfreshlycompleted;noactualclassificationoralllawexclusion.", "all_original_limits_retained": true, "entire_claim_currentness_or_actual_application_accepted": false}
R018-P1-C002 Saved research record

Statutory “private educational lender” includes the specified financial institutions, federal credit unions, and other persons engaged in the business of soliciting, making, or extending these loans. Section 1602(g) includes private educational lenders as creditors. Regulation Z nevertheless applies its general creditor framework; the 2009 rule expressly explains that regulatory implementation.

Recorded check status: fresh selected classification operative checked nested and comments held

Source and pinpoint
S002 §1650(a)(7); S003 §1602(g); S024, 74 FR 41201–41202, PDF indices 7–8. uscode.house.gov +2
Status and limits
L/R/H. Statutory and regulatory formulations are not treated as identical. Full financial-charter cross-references were not independently audited.

Recorded coordinator check boundaries

coordinator review
{"at": "2026-10-29T08:49:29.019966+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "atomic_reconciliation": "[internal evidence reference]", "disposition": "fresh_selected_classification_operative_checked_nested_and_comments_held", "scope": "Selected1650definitionandcomplete46operativechecked;gateway/HEA/tax/creditor/consumer/purpose/optionalcoveragecomments/rescissioncrossrefsnotfreshlycompleted;noactualclassificationoralllawexclusion.", "all_original_limits_retained": true, "entire_claim_currentness_or_actual_application_accepted": false}
R018-P1-C003 Saved research record

The ordinary Regulation Z creditor test requires regularly extending consumer credit subject to a finance charge or payable by written agreement in more than four installments, excluding a downpayment, with the obligation initially payable to that person. The ordinary regularity test is more than 25 covered extensions in the preceding calendar year; if not met then, the current-year test applies.

Recorded check status: material original comment or crossreference unreopened held

Source and pinpoint
S010, §§1026.1(c)(1), 1026.2(a)(17)(i), (v), and relevant comments. Consumer Financial Protection Bureau +1
Status and limits
R/I. Count is not limited to education loans. Special dwelling/high-cost-mortgage branches exist; no threshold is an all-purpose statutory immunity.

Recorded coordinator check boundaries

coordinator review
{"at": "2026-10-29T08:49:29.019966+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "atomic_reconciliation": "[internal evidence reference]", "disposition": "material_original_comment_or_crossreference_unreopened_held", "scope": "Somegenericoperativecontextfreshbutmaterialofficialcomment/statute/financecharge/APR/model/history/ESIGN/EDtechnical/pixelpremisesunreopened;originallimitsandcurrentnessremain.Noerrororwholeclaimacceptance. ", "all_original_limits_retained": true, "entire_claim_currentness_or_actual_application_accepted": false}
R018-P1-C004 Saved research record

Consumer credit ordinarily concerns a natural person and primarily personal, family, or household purposes. Credit includes a right to defer payment of debt or incur debt and defer payment. An unpaid bill, without establishing the relevant right and other conditions, is insufficient by itself to classify a transaction.

Recorded check status: material original comment or crossreference unreopened held

Source and pinpoint
S010, §1026.2(a)(11), (12), (14); §1026.3(a). Consumer Financial Protection Bureau +2
Status and limits
R/I; final sentence INF. No institutional receivable or contract examined.

Recorded coordinator check boundaries

coordinator review
{"at": "2026-10-29T08:49:29.019966+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "atomic_reconciliation": "[internal evidence reference]", "disposition": "material_original_comment_or_crossreference_unreopened_held", "scope": "Somegenericoperativecontextfreshbutmaterialofficialcomment/statute/financecharge/APR/model/history/ESIGN/EDtechnical/pixelpremisesunreopened;originallimitsandcurrentnessremain.Noerrororwholeclaimacceptance. ", "all_original_limits_retained": true, "entire_claim_currentness_or_actual_application_accepted": false}
R018-P1-C005 Saved research record

Regulation Z’s covered educational institution is an institution meeting the HEA institution-of-higher-education definition without regard to accreditation, and includes specified agents, officers, and employees. The separate “institution of higher education” definition incorporates HEA §§101–102 and ED implementing regulations.

Recorded check status: fresh regulatory institution definitions checked incorporated HEA held

Source and pinpoint
S006/S009, §1026.46(b)(1)–(2), comments; S013–S014. Statutory formulation: S002 §1650(a)(2), (4). ecfr.gov +1
Status and limits
L/R/I. Accreditation relaxation for “covered institution” must not automatically be carried into every IHE-dependent requirement. Elementary/secondary education is outside this definition.

Recorded coordinator check boundaries

coordinator review
{"at": "2026-10-29T08:49:29.019966+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "atomic_reconciliation": "[internal evidence reference]", "disposition": "fresh_regulatory_institution_definitions_checked_incorporated_HEA_held", "scope": "46b1–2creditor/institutionregulatorywordsfresh;HEA/EDfullcategoriesandtax/currentstatusnotfreshlyverified.", "all_original_limits_retained": true, "entire_claim_currentness_or_actual_application_accepted": false}
R018-P1-C006 Saved research record

The incorporated HEA/ED definitions contain distinct public/nonprofit, proprietary, and vocational categories, with authorization, admissions, program, duration, accreditation, and other conditions. For the nonprofit subtype, ED’s definition includes tax treatment under §501(c)(3) and additional ownership/operation and state-law conditions.

Recorded check status: material original comment or crossreference unreopened held

Source and pinpoint
S013 §§1001–1002; S014 §§600.2, .4–.6; S015 §501(a), (b), (c)(3). uscode.house.gov +2
Status and limits
L/R. No actual school or tax status established. Unopened implementing cross-references remain listed below.

Recorded coordinator check boundaries

coordinator review
{"at": "2026-10-29T08:49:29.019966+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "atomic_reconciliation": "[internal evidence reference]", "disposition": "material_original_comment_or_crossreference_unreopened_held", "scope": "Somegenericoperativecontextfreshbutmaterialofficialcomment/statute/financecharge/APR/model/history/ESIGN/EDtechnical/pixelpremisesunreopened;originallimitsandcurrentnessremain.Noerrororwholeclaimacceptance. ", "all_original_limits_retained": true, "entire_claim_currentness_or_actual_application_accepted": false}
R018-P1-C007 Saved research record

Postsecondary educational expenses incorporate the statutory cost-of-attendance categories, subject to their conditions: tuition/fees; books, supplies, equipment and computer allowance; transportation; qualifying personal and living costs; restricted correspondence/incarceration categories; approved study abroad; dependent care; disability expenses not supplied by another agency; telecommunications treatment; cooperative-education costs; specified federal-loan fees; and first professional licensing/credential costs.

Recorded check status: fresh COA fee wording selected other categories integration held

Source and pinpoint
S006 §1026.46(b)(3); S016, 20 U.S.C. §1087ll(a)(1)–(14), (b)–(c). ecfr.gov +1
Status and limits
L/R. Enrollment, living arrangement, reasonableness, program, and other statutory conditions matter. This is not an actual cost-of-attendance computation.

Recorded coordinator check boundaries

coordinator review
{"at": "2026-10-29T08:49:29.019966+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "atomic_reconciliation": "[internal evidence reference]", "disposition": "fresh_COA_fee_wording_selected_other_categories_integration_held", "scope": "46b3illustrationandcurrent1087lla13selectedconfirmdifferentwording;allCOAcategories/fee-onlyintegration/actualexpensesheld,nofavorableclassification.", "all_original_limits_retained": true, "entire_claim_currentness_or_actual_application_accepted": false}
R018-P1-C008 Saved research record

A narrow text/version issue remains: §1026.46(b)(3)’s older illustrative wording includes any loan/origination/insurance fee, while current §1087ll(a)(13) expressly refers to fees for loans under Title IV or another federal law. Those texts do not support silently declaring every private-loan fee a current qualifying COA item.

Recorded check status: fresh COA fee wording selected other categories integration held

Source and pinpoint
S006/S009 §1026.46(b)(3); S016 §1087ll(a)(13). ecfr.gov +1
Status and limits
U/INF. Fee-only classification and the precise integration of the amended cross-reference with the older illustration are held.

Recorded coordinator check boundaries

coordinator review
{"at": "2026-10-29T08:49:29.019966+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "atomic_reconciliation": "[internal evidence reference]", "disposition": "fresh_COA_fee_wording_selected_other_categories_integration_held", "scope": "46b3illustrationandcurrent1087lla13selectedconfirmdifferentwording;allCOAcategories/fee-onlyintegration/actualexpensesheld,nofavorableclassification.", "all_original_limits_retained": true, "entire_claim_currentness_or_actual_application_accepted": false}
R018-P1-C009 Saved research record

The exclusion is specifically for loans made, insured, or guaranteed under Title IV of the HEA. Section 1026.3(f) separately exempts those programs from Regulation Z. “Federal connection” alone is not the wording of this exclusion.

Recorded check status: fresh selected classification operative checked nested and comments held

Source and pinpoint
S002 §1650(a)(8); S006 §1026.46(b)(5)(i); S010 §1026.3(f). ecfr.gov +1
Status and limits
L/R. No ED collection, federal-loan servicing, or non-Title-IV program determination.

Recorded coordinator check boundaries

coordinator review
{"at": "2026-10-29T08:49:29.019966+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "atomic_reconciliation": "[internal evidence reference]", "disposition": "fresh_selected_classification_operative_checked_nested_and_comments_held", "scope": "Selected1650definitionandcomplete46operativechecked;gateway/HEA/tax/creditor/consumer/purpose/optionalcoveragecomments/rescissioncrossrefsnotfreshlycompleted;noactualclassificationoralllawexclusion.", "all_original_limits_retained": true, "entire_claim_currentness_or_actual_application_accepted": false}
R018-P1-C010 Saved research record

Subpart F excludes open-end credit and any loan secured by real property or a dwelling. Open-end status requires the actual repeated-transaction, finance-charge, and replenishing-credit characteristics in §1026.2(a)(20); installments or a label alone are insufficient. A dwelling need not be the principal residence. Other personal-property collateral is not automatically within this exclusion.

Recorded check status: fresh selected classification operative checked nested and comments held

Source and pinpoint
S006 §1026.46(b)(5)(iii); S010 §1026.2(a)(19)–(20), comments. ecfr.gov +2
Status and limits
R/I. Actual credit mechanics and security are held.

Recorded coordinator check boundaries

coordinator review
{"at": "2026-10-29T08:49:29.019966+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "atomic_reconciliation": "[internal evidence reference]", "disposition": "fresh_selected_classification_operative_checked_nested_and_comments_held", "scope": "Selected1650definitionandcomplete46operativechecked;gateway/HEA/tax/creditor/consumer/purpose/optionalcoveragecomments/rescissioncrossrefsnotfreshlycompleted;noactualclassificationoralllawexclusion.", "all_original_limits_retained": true, "entire_claim_currentness_or_actual_application_accepted": false}
R018-P1-C011 Saved research record

If the covered educational institution itself is creditor and the credit term is 90 days or less, the transaction is excluded from the private-education-loan definition even if interest is charged.

Recorded check status: fresh selected classification operative checked nested and comments held

Source and pinpoint
S006 §1026.46(b)(5)(iv)(A), comment 46(b)(5)-3. ecfr.gov +1
Status and limits
R/I. Both creditor identity and contractual term are necessary; a school connection alone is insufficient.

Recorded coordinator check boundaries

coordinator review
{"at": "2026-10-29T08:49:29.019966+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "atomic_reconciliation": "[internal evidence reference]", "disposition": "fresh_selected_classification_operative_checked_nested_and_comments_held", "scope": "Selected1650definitionandcomplete46operativechecked;gateway/HEA/tax/creditor/consumer/purpose/optionalcoveragecomments/rescissioncrossrefsnotfreshlycompleted;noactualclassificationoralllawexclusion.", "all_original_limits_retained": true, "entire_claim_currentness_or_actual_application_accepted": false}
R018-P1-C012 Saved research record

If the covered institution is creditor, no interest rate will be applied to the credit balance, and the term is one year or less, the credit is excluded even if payable in more than four installments.

Recorded check status: fresh selected classification operative checked nested and comments held

Source and pinpoint
S006 §1026.46(b)(5)(iv)(B), comment 46(b)(5)-4. ecfr.gov +1
Status and limits
R/I. “No interest” is the specific test; this does not automatically eliminate all other TILA questions about fees or installments.

Recorded coordinator check boundaries

coordinator review
{"at": "2026-10-29T08:49:29.019966+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "atomic_reconciliation": "[internal evidence reference]", "disposition": "fresh_selected_classification_operative_checked_nested_and_comments_held", "scope": "Selected1650definitionandcomplete46operativechecked;gateway/HEA/tax/creditor/consumer/purpose/optionalcoveragecomments/rescissioncrossrefsnotfreshlycompleted;noactualclassificationoralllawexclusion.", "all_original_limits_retained": true, "entire_claim_currentness_or_actual_application_accepted": false}
R018-P1-C013 Saved research record

Institutional short-term loans and billing plans excluded from Subpart F may still be subject to ordinary closed-end disclosures under §§1026.17–.18. For a short-term obligation due upon receipt of specified funds, the commentary addresses estimating when those funds will arrive.

Recorded check status: material original comment or crossreference unreopened held

Source and pinpoint
S006, comments 46(b)(5)-3–4; S011. Consumer Financial Protection Bureau
Status and limits
I. Exclusion from Subpart F is not exclusion from every consumer-credit law.

Recorded coordinator check boundaries

coordinator review
{"at": "2026-10-29T08:49:29.019966+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "atomic_reconciliation": "[internal evidence reference]", "disposition": "material_original_comment_or_crossreference_unreopened_held", "scope": "Somegenericoperativecontextfreshbutmaterialofficialcomment/statute/financecharge/APR/model/history/ESIGN/EDtechnical/pixelpremisesunreopened;originallimitsandcurrentnessremain.Noerrororwholeclaimacceptance. ", "all_original_limits_retained": true, "entire_claim_currentness_or_actual_application_accepted": false}
R018-P1-C014 Saved research record

A multipurpose application can be exempt from the application disclosures under §1026.46(d)(1)(iii). If the resulting credit is expressly for educational expenses in whole or part and meets the other definition elements, approval/final disclosures and §1026.48 apply to the entire loan. The commentary permits reliance on a purpose line or checkbox.

Recorded check status: fresh selected classification operative checked nested and comments held

Source and pinpoint
S006 §1026.46(d)(1)(iii), comment 46(b)(5)-2. ecfr.gov +1
Status and limits
R/I. This is not a general multipurpose-loan exemption.

Recorded coordinator check boundaries

coordinator review
{"at": "2026-10-29T08:49:29.019966+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "atomic_reconciliation": "[internal evidence reference]", "disposition": "fresh_selected_classification_operative_checked_nested_and_comments_held", "scope": "Selected1650definitionandcomplete46operativechecked;gateway/HEA/tax/creditor/consumer/purpose/optionalcoveragecomments/rescissioncrossrefsnotfreshlycompleted;noactualclassificationoralllawexclusion.", "all_original_limits_retained": true, "entire_claim_currentness_or_actual_application_accepted": false}
R018-P1-C015 Saved research record

The official definition commentary includes consolidation of existing private education loans.

Recorded check status: original consolidation comment unreopened withdrawn advisory not relied

Source and pinpoint
S006, comment 46(b)(5)-1. Consumer Financial Protection Bureau
Status and limits
I. No reliance on the withdrawn 2020 CFPB advisory opinion; federal-loan refinancing is not resolved.

Recorded coordinator check boundaries

coordinator review
{"at": "2026-10-29T08:49:29.019966+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "atomic_reconciliation": "[internal evidence reference]", "disposition": "original_consolidation_comment_unreopened_withdrawn_advisory_not_relied", "scope": "46commentconsolidationoriginalattributiononly;separatelydatedwithdrawalentrynotoperativeauthorityorfederalrefinancingfinding.", "all_original_limits_retained": true, "entire_claim_currentness_or_actual_application_accepted": false}
R018-P1-C016 Saved research record

A creditor may elect Subpart F for specified post-graduation relocation, examination-study, internship/residency, and similar expenses otherwise governed by §§1026.17–.18. If the credit actually covers qualifying postsecondary expenses, coverage is mandatory; if the optional route is chosen, applicable Subpart F requirements follow.

Recorded check status: fresh selected classification operative checked nested and comments held

Source and pinpoint
S006 §1026.46(a), official coverage comments. ecfr.gov +1
Status and limits
R/I. No classification of an actual professional-school product.

Recorded coordinator check boundaries

coordinator review
{"at": "2026-10-29T08:49:29.019966+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "atomic_reconciliation": "[internal evidence reference]", "disposition": "fresh_selected_classification_operative_checked_nested_and_comments_held", "scope": "Selected1650definitionandcomplete46operativechecked;gateway/HEA/tax/creditor/consumer/purpose/optionalcoveragecomments/rescissioncrossrefsnotfreshlycompleted;noactualclassificationoralllawexclusion.", "all_original_limits_retained": true, "entire_claim_currentness_or_actual_application_accepted": false}
R018-P1-C017 Saved research record

“Tuition arrears,” “payment plan,” “income-share agreement,” “scholarship repayment,” or “aid overpayment” does not itself establish a covered private education loan. The credit right, creditor, express purpose, institution, expenses, and exclusions must be established.

Recorded check status: fresh selected classification operative checked nested and comments held

Source and pinpoint
S006 §1026.46(b)(5); S010 §1026.2(a)(14), (17), (20). ecfr.gov +1
Status and limits
INF/U. These additional A018 dimensions remain open; no generic conclusion that all or none are loans.

Recorded coordinator check boundaries

coordinator review
{"at": "2026-10-29T08:49:29.019966+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "atomic_reconciliation": "[internal evidence reference]", "disposition": "fresh_selected_classification_operative_checked_nested_and_comments_held", "scope": "Selected1650definitionandcomplete46operativechecked;gateway/HEA/tax/creditor/consumer/purpose/optionalcoveragecomments/rescissioncrossrefsnotfreshlycompleted;noactualclassificationoralllawexclusion.", "all_original_limits_retained": true, "entire_claim_currentness_or_actual_application_accepted": false}
R018-P1-C018 Saved research record

The general amount-based Regulation Z exemption does not exclude a transaction that is a private education loan. This is not a credit ceiling or approval requirement.

Recorded check status: material original comment or crossreference unreopened held

Source and pinpoint
S004, 15 U.S.C. §1603(3); S010 §1026.3(b)(1)(i)(B). uscode.house.gov +1
Status and limits
L/R. No universal maximum loan, APR, or cost follows.

Recorded coordinator check boundaries

coordinator review
{"at": "2026-10-29T08:49:29.019966+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "atomic_reconciliation": "[internal evidence reference]", "disposition": "material_original_comment_or_crossreference_unreopened_held", "scope": "Somegenericoperativecontextfreshbutmaterialofficialcomment/statute/financecharge/APR/model/history/ESIGN/EDtechnical/pixelpremisesunreopened;originallimitsandcurrentnessremain.Noerrororwholeclaimacceptance. ", "all_original_limits_retained": true, "entire_claim_currentness_or_actual_application_accepted": false}
R018-P1-C019 Saved research record

Application disclosures are due on or with any covered application or solicitation. A solicitation is an offer not requiring an application, including a qualifying FCRA firm offer. A mere invitation to apply is not that trigger unless it includes a written, electronic, telephone, take-one, or in-person application.

Recorded check status: fresh complete46 operative and stage context checked comment ESIGN application held

Source and pinpoint
S006 §1026.46(d)(1)(i), comment 46(d)(1)-1; S023 §1681a(l)(1)–(3). ecfr.gov +2
Status and limits
R/I/L. No marketing communication or credit criteria were tested.

Recorded coordinator check boundaries

coordinator review
{"at": "2026-10-29T08:49:29.019966+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "atomic_reconciliation": "[internal evidence reference]", "disposition": "fresh_complete46_operative_and_stage_context_checked_comment_ESIGN_application_held", "scope": "46a–goperativeand47cnoticefresh;timing/primaryrecipient/retainability/segregation/applicationE-Signexception/estimates/subsequenteventslimitschecked;officialcommentextensions/ESIGNconditions/actualpixels/roles/consentnotfreshlyverified.", "all_original_limits_retained": true, "entire_claim_currentness_or_actual_application_accepted": false}
R018-P1-C020 Saved research record

For a telephone application/solicitation, the creditor may provide §1026.47(a) orally. Otherwise it must provide or mail those disclosures no later than three general business days after application, unless it denies the application or provides/mails approval disclosures within the specified three-day period.

Recorded check status: fresh complete46 operative and stage context checked comment ESIGN application held

Source and pinpoint
S006 §1026.46(d)(1)(ii); S010 §1026.2(a)(6). ecfr.gov +1
Status and limits
R. Telephone exception does not remove approval/final duties for a resulting covered loan.

Recorded coordinator check boundaries

coordinator review
{"at": "2026-10-29T08:49:29.019966+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "atomic_reconciliation": "[internal evidence reference]", "disposition": "fresh_complete46_operative_and_stage_context_checked_comment_ESIGN_application_held", "scope": "46a–goperativeand47cnoticefresh;timing/primaryrecipient/retainability/segregation/applicationE-Signexception/estimates/subsequenteventslimitschecked;officialcommentextensions/ESIGNconditions/actualpixels/roles/consentnotfreshlyverified.", "all_original_limits_retained": true, "entire_claim_currentness_or_actual_application_accepted": false}
R018-P1-C021 Saved research record

Approval disclosures must accompany any approval notice before consummation. Mail notice and disclosures travel together; in-person approval requires then-delivery; telephone approval requires mailing within three general business days. Electronic delivery is subject to the electronic-disclosure rules; absent qualifying delivery, the three-day mailing fallback applies. A request for additional information before approval is not itself approval.

Recorded check status: fresh complete46 operative and stage context checked comment ESIGN application held

Source and pinpoint
S006 §1026.46(d)(2), comment 46(d)(2)-1. ecfr.gov +1
Status and limits
R/I. Actual approval wording and delivery are held.

Recorded coordinator check boundaries

coordinator review
{"at": "2026-10-29T08:49:29.019966+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "atomic_reconciliation": "[internal evidence reference]", "disposition": "fresh_complete46_operative_and_stage_context_checked_comment_ESIGN_application_held", "scope": "46a–goperativeand47cnoticefresh;timing/primaryrecipient/retainability/segregation/applicationE-Signexception/estimates/subsequenteventslimitschecked;officialcommentextensions/ESIGNconditions/actualpixels/roles/consentnotfreshlyverified.", "all_original_limits_retained": true, "entire_claim_currentness_or_actual_application_accepted": false}
R018-P1-C022 Saved research record

Final disclosures are provided after acceptance under §1026.48(c)(1). The operative text does not impose a universal “immediately after acceptance” deadline; the cancellation and funding restrictions still govern.

Recorded check status: fresh complete46 operative and stage context checked comment ESIGN application held

Source and pinpoint
S006 §1026.46(d)(3); S007 §1026.47(c); S008 §1026.48(d). ecfr.gov +1
Status and limits
R. No actual event sequence established.

Recorded coordinator check boundaries

coordinator review
{"at": "2026-10-29T08:49:29.019966+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "atomic_reconciliation": "[internal evidence reference]", "disposition": "fresh_complete46_operative_and_stage_context_checked_comment_ESIGN_application_held", "scope": "46a–goperativeand47cnoticefresh;timing/primaryrecipient/retainability/segregation/applicationE-Signexception/estimates/subsequenteventslimitschecked;officialcommentextensions/ESIGNconditions/actualpixels/roles/consentnotfreshlyverified.", "all_original_limits_retained": true, "entire_claim_currentness_or_actual_application_accepted": false}
R018-P1-C023 Saved research record

Statutory final-disclosure/cancellation provisions use consummation; Regulation Z implements them through acceptance and receipt of final disclosures. Consummation is when the consumer becomes contractually obligated under applicable law, not a universally interchangeable synonym for approval, acceptance, or funding.

Recorded check status: fresh statutory regulatory wording distinguished historical implementation held

Source and pinpoint
S001 §1638(e)(4), (6)–(8); S010 §1026.2(a)(13); S024, 74 FR 41208, 41221–41222, PDF 14, 27–28. uscode.house.gov +2
Status and limits
L/R/H. State contract law and actual consummation remain held.

Recorded coordinator check boundaries

coordinator review
{"at": "2026-10-29T08:49:29.019966+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "atomic_reconciliation": "[internal evidence reference]", "disposition": "fresh_statutory_regulatory_wording_distinguished_historical_implementation_held", "scope": "Complete1638eand47c/48doperatewithdifferentconsummationversusacceptance/receiptevents/content;2009implementationpreambleunreopened,stateconsummationheld.", "all_original_limits_retained": true, "entire_claim_currentness_or_actual_application_accepted": false}
R018-P1-C024 Saved research record

The consumer has at least 30 calendar days following receipt of approval disclosures to accept. A longer period is allowed, and the consumer may accept before its end.

Recorded check status: fresh complete48 operative checked comment procedures and application held

Source and pinpoint
S008 §1026.48(c)(1), comment 48(c)-1. ecfr.gov +1
Status and limits
R/I. No actual expiration date calculated.

Recorded coordinator check boundaries

coordinator review
{"at": "2026-10-29T08:49:29.019966+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "atomic_reconciliation": "[internal evidence reference]", "disposition": "fresh_complete48_operative_checked_comment_procedures_and_application_held", "scope": "48c/dcompleteexceptions/termfreeze/30calendaracceptance/receipt3daycancel/nofunding/newrequestedtermschecked;noinventedmistakeorfederalbenefitexception.Othercomment-onlynonenrollment/mailreasonablesatisfaction/longerperiodproceduresnotfresh.", "all_original_limits_retained": true, "entire_claim_currentness_or_actual_application_accepted": false}
R018-P1-C025 Saved research record

Mailed application, approval, and final disclosures are considered received three specific business days after mailing. The specific definition excludes Sundays and §6103(a) holidays.

Recorded check status: fresh complete46 operative and stage context checked comment ESIGN application held

Source and pinpoint
S006 §1026.46(d)(4), comment 46(d)-1; S010 §1026.2(a)(6). ecfr.gov +2
Status and limits
R/I. No automatic extension of this mailed-disclosure rule to email.

Recorded coordinator check boundaries

coordinator review
{"at": "2026-10-29T08:49:29.019966+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "atomic_reconciliation": "[internal evidence reference]", "disposition": "fresh_complete46_operative_and_stage_context_checked_comment_ESIGN_application_held", "scope": "46a–goperativeand47cnoticefresh;timing/primaryrecipient/retainability/segregation/applicationE-Signexception/estimates/subsequenteventslimitschecked;officialcommentextensions/ESIGNconditions/actualpixels/roles/consentnotfreshlyverified.", "all_original_limits_retained": true, "entire_claim_currentness_or_actual_application_accepted": false}
R018-P1-C026 Saved research record

The general creditor-business-functions definition governs the telephone/fallback mailing periods and §1026.48(d) cancellation period. The special-definition list includes §1026.46(d)(4), but not §1026.48(d).

Recorded check status: fresh complete businessday definition comments checked historical explanation held

Source and pinpoint
S010 §1026.2(a)(6), comments 1–2; S024, 74 FR 41198, PDF 4. Consumer Financial Protection Bureau +1
Status and limits
R/I/H. Actual office functions are unknown; no universal weekday calendar assumed.

Recorded coordinator check boundaries

coordinator review
{"at": "2026-10-29T08:49:29.019966+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "atomic_reconciliation": "[internal evidence reference]", "disposition": "fresh_complete_businessday_definition_comments_checked_historical_explanation_held", "scope": "2a6includes46d4specificdefinition,not48d;generalfunctionsforcancellation;2009FRexplanationoriginalunreopenedandactualcalendarheld.", "all_original_limits_retained": true, "entire_claim_currentness_or_actual_application_accepted": false}
R018-P1-C027 Saved research record

Section 6103(a), including Juneteenth, controls the holiday cross-reference. The commentary’s older fixed-holiday illustration is incomplete as a current holiday list, and an observed substitute weekday is not automatically excluded under the specific definition.

Recorded check status: fresh definition crossreference only holiday statute failed unverified

Source and pinpoint
S022 §6103(a); S010 comment 2(a)(6)-2. uscode.house.gov +1
Status and limits
L/I. No personal holiday calculation.

Recorded coordinator check boundaries

coordinator review
{"at": "2026-10-29T08:49:29.019966+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "atomic_reconciliation": "[internal evidence reference]", "disposition": "fresh_definition_crossreference_only_holiday_statute_failed_unverified", "scope": "CFPBolderillustrativelist/commentsfresh;6103statutoryholidaylistoriginalattributionunreopenedafterownfind404/priorIA12open404.Nocurrentlist/holidaycalculationverification.", "all_original_limits_retained": true, "entire_claim_currentness_or_actual_application_accepted": false}
R018-P1-C028 Saved research record

Acceptance may be oral, written, or electronic as permitted and disclosed. Electronic communication cannot be the only method unless approval disclosures were provided electronically with applicable E-Sign compliance. If mail is allowed, timely placement in the mail is sufficient.

Recorded check status: material original comment or crossreference unreopened held

Source and pinpoint
S008, comment 48(c)-2; S007 §1026.47(b)(5). Consumer Financial Protection Bureau +1
Status and limits
I/R. Contractual authority of one borrower to bind another is not determined.

Recorded coordinator check boundaries

coordinator review
{"at": "2026-10-29T08:49:29.019966+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "atomic_reconciliation": "[internal evidence reference]", "disposition": "material_original_comment_or_crossreference_unreopened_held", "scope": "Somegenericoperativecontextfreshbutmaterialofficialcomment/statute/financecharge/APR/model/history/ESIGN/EDtechnical/pixelpremisesunreopened;originallimitsandcurrentnessremain.Noerrororwholeclaimacceptance. ", "all_original_limits_retained": true, "entire_claim_currentness_or_actual_application_accepted": false}
R018-P1-C029 Saved research record

The freeze covers terms required to be disclosed under §1026.47(b) and (c), until disbursement or expiration of the 30-day period if unaccepted, subject to exceptions. Timely acceptance leaves protection in place until disbursement. Changes not affecting required-disclosure terms are not prohibited by this particular restriction.

Recorded check status: fresh complete48 operative checked comment procedures and application held

Source and pinpoint
S008 §1026.48(c)(2), comment 48(c)-3. ecfr.gov +1
Status and limits
R/I. Not a determination that every other contractual change is lawful.

Recorded coordinator check boundaries

coordinator review
{"at": "2026-10-29T08:49:29.019966+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "atomic_reconciliation": "[internal evidence reference]", "disposition": "fresh_complete48_operative_checked_comment_procedures_and_application_held", "scope": "48c/dcompleteexceptions/termfreeze/30calendaracceptance/receipt3daycancel/nofunding/newrequestedtermschecked;noinventedmistakeorfederalbenefitexception.Othercomment-onlynonenrollment/mailreasonablesatisfaction/longerperiodproceduresnotfresh.", "all_original_limits_retained": true, "entire_claim_currentness_or_actual_application_accepted": false}
R018-P1-C030 Saved research record

Before consummation, an offer may be withdrawn if extending credit would be prohibited by law or the creditor has reason to believe the consumer committed fraud in connection with the application.

Recorded check status: fresh complete48 operative checked comment procedures and application held

Source and pinpoint
S008 §1026.48(c)(3)(i)(A). ecfr.gov
Status and limits
R. No actual fraud, prohibited-credit, or evidentiary finding.

Recorded coordinator check boundaries

coordinator review
{"at": "2026-10-29T08:49:29.019966+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "atomic_reconciliation": "[internal evidence reference]", "disposition": "fresh_complete48_operative_checked_comment_procedures_and_application_held", "scope": "48c/dcompleteexceptions/termfreeze/30calendaracceptance/receipt3daycancel/nofunding/newrequestedtermschecked;noinventedmistakeorfederalbenefitexception.Othercomment-onlynonenrollment/mailreasonablesatisfaction/longerperiodproceduresnotfresh.", "all_original_limits_retained": true, "entire_claim_currentness_or_actual_application_accepted": false}
R018-P1-C031 Saved research record

An interest-rate change based on adjustment of the loan’s index is an enumerated exception. A discretionary margin increase or increased lender funding cost is not itself that index exception.

Recorded check status: fresh complete48 operative checked comment procedures and application held

Source and pinpoint
S008 §1026.48(c)(3)(i)(B), comment 48(c)-4. ecfr.gov +1
Status and limits
R/I; distinction INF. Actual index, margin, and contract remain unknown.

Recorded coordinator check boundaries

coordinator review
{"at": "2026-10-29T08:49:29.019966+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "atomic_reconciliation": "[internal evidence reference]", "disposition": "fresh_complete48_operative_checked_comment_procedures_and_application_held", "scope": "48c/dcompleteexceptions/termfreeze/30calendaracceptance/receipt3daycancel/nofunding/newrequestedtermschecked;noinventedmistakeorfederalbenefitexception.Othercomment-onlynonenrollment/mailreasonablesatisfaction/longerperiodproceduresnotfresh.", "all_original_limits_retained": true, "entire_claim_currentness_or_actual_application_accepted": false}
R018-P1-C032 Saved research record

A change that unequivocally benefits the consumer is permitted under the stated exception. The reviewed clause contains no separate general exemption labeled “federally authorized loan-benefit changes.” A claimed authorization would require its own applicable authority or satisfaction of the actual exception.

Recorded check status: fresh complete48 operative checked comment procedures and application held

Source and pinpoint
S008 §1026.48(c)(3)(i)(C), comment 48(c)-4. ecfr.gov +1
Status and limits
R/I/U. A “benefit” label does not establish unequivocal benefit.

Recorded coordinator check boundaries

coordinator review
{"at": "2026-10-29T08:49:29.019966+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "atomic_reconciliation": "[internal evidence reference]", "disposition": "fresh_complete48_operative_checked_comment_procedures_and_application_held", "scope": "48c/dcompleteexceptions/termfreeze/30calendaracceptance/receipt3daycancel/nofunding/newrequestedtermschecked;noinventedmistakeorfederalbenefitexception.Othercomment-onlynonenrollment/mailreasonablesatisfaction/longerperiodproceduresnotfresh.", "all_original_limits_retained": true, "entire_claim_currentness_or_actual_application_accepted": false}
R018-P1-C033 Saved research record

Loan amount may be reduced based on school/consumer certification or other information that COA decreased or other aid increased. Related rate/term changes are limited to those the consumer would have received on an original application for the reduced amount. Commentary also permits withdrawal based on school/consumer information that the student is not enrolled.

Recorded check status: fresh complete48 operative checked comment procedures and application held

Source and pinpoint
S008 §1026.48(c)(3)(i)(D), comments 48(c)-4–5. ecfr.gov +1
Status and limits
R/I. These exceptions do not require new approval disclosures/new 30 days; final disclosures remain required.

Recorded coordinator check boundaries

coordinator review
{"at": "2026-10-29T08:49:29.019966+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "atomic_reconciliation": "[internal evidence reference]", "disposition": "fresh_complete48_operative_checked_comment_procedures_and_application_held", "scope": "48c/dcompleteexceptions/termfreeze/30calendaracceptance/receipt3daycancel/nofunding/newrequestedtermschecked;noinventedmistakeorfederalbenefitexception.Othercomment-onlynonenrollment/mailreasonablesatisfaction/longerperiodproceduresnotfresh.", "all_original_limits_retained": true, "entire_claim_currentness_or_actual_application_accepted": false}
R018-P1-C034 Saved research record

A creditor may accommodate a specific consumer request by changing terms, but then must provide new approval disclosures and a new 30-day acceptance opportunity. The prior offer remains protected unless the replacement is accepted or a separate §1026.48(c)(3) exception applies.

Recorded check status: fresh complete48 operative checked comment procedures and application held

Source and pinpoint
S008 §1026.48(c)(4), comment 48(c)-6. ecfr.gov +1
Status and limits
R/I. Accommodation is optional; a consumer’s inquiry is not automatically acceptance of a replacement.

Recorded coordinator check boundaries

coordinator review
{"at": "2026-10-29T08:49:29.019966+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "atomic_reconciliation": "[internal evidence reference]", "disposition": "fresh_complete48_operative_checked_comment_procedures_and_application_held", "scope": "48c/dcompleteexceptions/termfreeze/30calendaracceptance/receipt3daycancel/nofunding/newrequestedtermschecked;noinventedmistakeorfederalbenefitexception.Othercomment-onlynonenrollment/mailreasonablesatisfaction/longerperiodproceduresnotfresh.", "all_original_limits_retained": true, "entire_claim_currentness_or_actual_application_accepted": false}
R018-P1-C035 Saved research record

No general lender “mistake,” changed-creditworthiness, or cost-of-funds exception appears in the reviewed §1026.48(c)(3) list. That list cannot be enlarged merely by describing a change as corrective.

Recorded check status: fresh complete48 operative checked comment procedures and application held

Source and pinpoint
S008 §1026.48(c)(3)–(4), complete conditions and comments. ecfr.gov +2
Status and limits
INF. No determination of a statutory error defense, contract doctrine, remedy, or litigation outcome.

Recorded coordinator check boundaries

coordinator review
{"at": "2026-10-29T08:49:29.019966+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "atomic_reconciliation": "[internal evidence reference]", "disposition": "fresh_complete48_operative_checked_comment_procedures_and_application_held", "scope": "48c/dcompleteexceptions/termfreeze/30calendaracceptance/receipt3daycancel/nofunding/newrequestedtermschecked;noinventedmistakeorfederalbenefitexception.Othercomment-onlynonenrollment/mailreasonablesatisfaction/longerperiodproceduresnotfresh.", "all_original_limits_retained": true, "entire_claim_currentness_or_actual_application_accepted": false}
R018-P1-C036 Saved research record

The consumer may cancel without penalty until midnight of the third general business day following receipt of final disclosures. The final disclosure must specify the cancellation-expiration date.

Recorded check status: fresh complete48 operative checked comment procedures and application held

Source and pinpoint
S008 §1026.48(d); S007 §1026.47(c)(4), comment 47(c)-1. ecfr.gov +2
Status and limits
R/I. Disclosure of a date and calculating an actual lawful date are separate tasks.

Recorded coordinator check boundaries

coordinator review
{"at": "2026-10-29T08:49:29.019966+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "atomic_reconciliation": "[internal evidence reference]", "disposition": "fresh_complete48_operative_checked_comment_procedures_and_application_held", "scope": "48c/dcompleteexceptions/termfreeze/30calendaracceptance/receipt3daycancel/nofunding/newrequestedtermschecked;noinventedmistakeorfederalbenefitexception.Othercomment-onlynonenrollment/mailreasonablesatisfaction/longerperiodproceduresnotfresh.", "all_original_limits_retained": true, "entire_claim_currentness_or_actual_application_accepted": false}
R018-P1-C037 Saved research record

The creditor must specify cancellation methods. Electronic cancellation cannot be the only method unless final disclosures were delivered electronically with applicable E-Sign compliance. If mail is allowed, the notice must identify the receiving address/agent and state the timely-dispatch rule.

Recorded check status: fresh complete48 operative checked comment procedures and application held

Source and pinpoint
S007 §1026.47(c)(4); S008 comment 48(d)-2. ecfr.gov +1
Status and limits
R/I. No cancellation communication sent or assessed.

Recorded coordinator check boundaries

coordinator review
{"at": "2026-10-29T08:49:29.019966+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "atomic_reconciliation": "[internal evidence reference]", "disposition": "fresh_complete48_operative_checked_comment_procedures_and_application_held", "scope": "48c/dcompleteexceptions/termfreeze/30calendaracceptance/receipt3daycancel/nofunding/newrequestedtermschecked;noinventedmistakeorfederalbenefitexception.Othercomment-onlynonenrollment/mailreasonablesatisfaction/longerperiodproceduresnotfresh.", "all_original_limits_retained": true, "entire_claim_currentness_or_actual_application_accepted": false}
R018-P1-C038 Saved research record

No funds may be disbursed before the three-day period expires. The creditor must be reasonably satisfied cancellation was not exercised; permissible approaches include allowing reasonable time for mailed notice or obtaining a written nonexercise statement supplied and signed only at the end of the period.

Recorded check status: fresh complete48 operative checked comment procedures and application held

Source and pinpoint
S008 §1026.48(d), comment 48(d)-2. ecfr.gov +1
Status and limits
R/I. No early-waiver mechanism is supplied by this comment.

Recorded coordinator check boundaries

coordinator review
{"at": "2026-10-29T08:49:29.019966+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "atomic_reconciliation": "[internal evidence reference]", "disposition": "fresh_complete48_operative_checked_comment_procedures_and_application_held", "scope": "48c/dcompleteexceptions/termfreeze/30calendaracceptance/receipt3daycancel/nofunding/newrequestedtermschecked;noinventedmistakeorfederalbenefitexception.Othercomment-onlynonenrollment/mailreasonablesatisfaction/longerperiodproceduresnotfresh.", "all_original_limits_retained": true, "entire_claim_currentness_or_actual_application_accepted": false}
R018-P1-C039 Saved research record

If the creditor voluntarily allows a longer cancellation period, the commentary permits disbursement after the statutory minimum period, but requires honoring a later timely cancellation within the longer period.

Recorded check status: material original comment or crossreference unreopened held

Source and pinpoint
S008, comment 48(d)-1. Consumer Financial Protection Bureau
Status and limits
I. Resulting return/refund mechanics require the actual terms and other applicable authority; no universal free-use-and-return right established.

Recorded coordinator check boundaries

coordinator review
{"at": "2026-10-29T08:49:29.019966+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "atomic_reconciliation": "[internal evidence reference]", "disposition": "material_original_comment_or_crossreference_unreopened_held", "scope": "Somegenericoperativecontextfreshbutmaterialofficialcomment/statute/financecharge/APR/model/history/ESIGN/EDtechnical/pixelpremisesunreopened;originallimitsandcurrentnessremain.Noerrororwholeclaimacceptance. ", "all_original_limits_retained": true, "entire_claim_currentness_or_actual_application_accepted": false}
R018-P1-C040 Saved research record

Cancellation without penalty prohibits fees charged specifically for exercising cancellation. The commentary does not require refund of a fee, such as an application fee, charged to all consumers whether or not they cancel.

Recorded check status: material original comment or crossreference unreopened held

Source and pinpoint
S008, comment 48(d)-3. Consumer Financial Protection Bureau
Status and limits
I. Not a conclusion that any particular fee is lawful or nonrefundable under every law.

Recorded coordinator check boundaries

coordinator review
{"at": "2026-10-29T08:49:29.019966+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "atomic_reconciliation": "[internal evidence reference]", "disposition": "material_original_comment_or_crossreference_unreopened_held", "scope": "Somegenericoperativecontextfreshbutmaterialofficialcomment/statute/financecharge/APR/model/history/ESIGN/EDtechnical/pixelpremisesunreopened;originallimitsandcurrentnessremain.Noerrororwholeclaimacceptance. ", "all_original_limits_retained": true, "entire_claim_currentness_or_actual_application_accepted": false}
R018-P1-C041 Saved research record

Separately, a private educational lender may not impose a fee or penalty for early repayment or prepayment of a private education loan.

Recorded check status: fresh selected prepayment statute checked distinct cancel fees

Source and pinpoint
S002, 15 U.S.C. §1650(e). uscode.house.gov
Status and limits
L. This is distinct from cancellation, principal forgiveness, accrued-charge treatment, and a refund calculation.

Recorded coordinator check boundaries

coordinator review
{"at": "2026-10-29T08:49:29.019966+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "atomic_reconciliation": "[internal evidence reference]", "disposition": "fresh_selected_prepayment_statute_checked_distinct_cancel_fees", "scope": "1650eprepaymentfeepenaltybarselected;notprincipalforgiveness/actualfeelegality/refundorperiod.", "all_original_limits_retained": true, "entire_claim_currentness_or_actual_application_accepted": false}
R018-P1-C042 Saved research record

The Subpart F cancellation right is distinct from §1026.23 principal-dwelling rescission. A loan secured by any dwelling is excluded from the Subpart F definition. Neither the education-loan cancellation rule nor a disclosure defect automatically establishes later discharge, settlement, refinancing, federal forgiveness, cosigner release, or invalidity.

Recorded check status: fresh selected classification operative checked nested and comments held

Source and pinpoint
S006 §1026.46(b)(5)(iii); S012 §1026.23(a)(1); S008 §1026.48(d). ecfr.gov +2
Status and limits
R/INF. Full home-rescission and all remedies analyses remain outside this component.

Recorded coordinator check boundaries

coordinator review
{"at": "2026-10-29T08:49:29.019966+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "atomic_reconciliation": "[internal evidence reference]", "disposition": "fresh_selected_classification_operative_checked_nested_and_comments_held", "scope": "Selected1650definitionandcomplete46operativechecked;gateway/HEA/tax/creditor/consumer/purpose/optionalcoveragecomments/rescissioncrossrefsnotfreshlycompleted;noactualclassificationoralllawexclusion.", "all_original_limits_retained": true, "entire_claim_currentness_or_actual_application_accepted": false}
R018-P1-C043 Saved research record

Application disclosures give only rates/ranges actually offered; applicable creditworthiness/other-factor qualification; fixed/variable status; adjustment frequency, increment/lifetime limits or absence; possible higher/lower actual rate; and any applicable-law limit statement. Variable-rate ranges reflect the actual index and margin. Default/delinquency/assumption/acceleration increases are addressed separately from the ordinary variable-rate characterization.

Recorded check status: fresh47 operative content checked comment pricing inputs held

Source and pinpoint
S007 §1026.47(a)(1)(i)–(iii), comments 47(a)(1)(i)-1–3 and (iii)-1–2. Consumer Financial Protection Bureau
Status and limits
R/I. Freshness periods are in the clock table. No actual rate or legal ceiling established.

Recorded coordinator check boundaries

coordinator review
{"at": "2026-10-29T08:49:29.019966+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "atomic_reconciliation": "[internal evidence reference]", "disposition": "fresh47_operative_content_checked_comment_pricing_inputs_held", "scope": "Complete47contentlistfreshsupportsitem/triggers/25percentestimate/specifiedcostexample;commentfreshness/grossup/deferral/legalceiling/bankruptcy/aidprogram/actualrateandcalculationnotfreshlyverified.", "all_original_limits_retained": true, "entire_claim_currentness_or_actual_application_accepted": false}
R018-P1-C044 Saved research record

Application disclosures itemize required fees as a dollar amount or percentage; an estimated range is permitted where the exact fee is unknown. Required fees include finance charges and required non-finance-charge fees, including application fees charged regardless of credit extension. Default/late-payment fees, rate changes, and principal adjustments are disclosed. Later optional deferment/forbearance/modification fees are not required by this particular item.

Recorded check status: material original comment or crossreference unreopened held

Source and pinpoint
S007 §1026.47(a)(2), comments 1–2. Consumer Financial Protection Bureau
Status and limits
R/I. Fee classification under the complete finance-charge rules remains held.

Recorded coordinator check boundaries

coordinator review
{"at": "2026-10-29T08:49:29.019966+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "atomic_reconciliation": "[internal evidence reference]", "disposition": "material_original_comment_or_crossreference_unreopened_held", "scope": "Somegenericoperativecontextfreshbutmaterialofficialcomment/statute/financecharge/APR/model/history/ESIGN/EDtechnical/pixelpremisesunreopened;originallimitsandcurrentnessremain.Noerrororwholeclaimacceptance. ", "all_original_limits_retained": true, "entire_claim_currentness_or_actual_application_accepted": false}
R018-P1-C045 Saved research record

Application repayment disclosures identify the maximum period for regularly scheduled principal/interest payments; deferral options or their absence; for each in-school option, interest accrual and possible capitalization; reference to contract information for later repayment-period deferrals; and the bankruptcy caution that repayment may still be required.

Recorded check status: fresh47 operative content checked comment pricing inputs held

Source and pinpoint
S007 §1026.47(a)(3), comments 1–5. Consumer Financial Protection Bureau
Status and limits
R/I. The bankruptcy warning is not an adjudication of nondischargeability.

Recorded coordinator check boundaries

coordinator review
{"at": "2026-10-29T08:49:29.019966+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "atomic_reconciliation": "[internal evidence reference]", "disposition": "fresh47_operative_content_checked_comment_pricing_inputs_held", "scope": "Complete47contentlistfreshsupportsitem/triggers/25percentestimate/specifiedcostexample;commentfreshness/grossup/deferral/legalceiling/bankruptcy/aidprogram/actualrateandcalculationnotfreshlyverified.", "all_original_limits_retained": true, "entire_claim_currentness_or_actual_application_accepted": false}
R018-P1-C046 Saved research record

Application cost examples use total-of-payments methodology, the highest disclosed starting rate and applicable finance charges, and an amount financed of $10,000, or $5,000 where only smaller loans of that type are offered. Prepaid charges must be accounted for so the prescribed amount financed is actually represented; the percentage-fee commentary specifies a special gross-up assumption.

Recorded check status: fresh47 operative content checked comment pricing inputs held

Source and pinpoint
S007 §1026.47(a)(4), comments 1–2; S011 §1026.18(h). ecfr.gov +1
Status and limits
R/I. These are prescribed disclosure-example inputs, not borrowing limits. No worked amount or APR validation performed.

Recorded coordinator check boundaries

coordinator review
{"at": "2026-10-29T08:49:29.019966+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "atomic_reconciliation": "[internal evidence reference]", "disposition": "fresh47_operative_content_checked_comment_pricing_inputs_held", "scope": "Complete47contentlistfreshsupportsitem/triggers/25percentestimate/specifiedcostexample;commentfreshness/grossup/deferral/legalceiling/bankruptcy/aidprogram/actualrateandcalculationnotfreshlyverified.", "all_original_limits_retained": true, "entire_claim_currentness_or_actual_application_accepted": false}
R018-P1-C047 Saved research record

Examples must cover each in-school payment option using the actual capitalization method. Permitted deferral assumptions are four undergraduate years plus maximum applicable grace; for other loans, two years plus grace or the program’s shorter maximum; alternatively the full standard program duration plus grace. The alternative is not shortened to an individual student’s remaining enrollment.

Recorded check status: material original comment or crossreference unreopened held

Source and pinpoint
S007, comments 47(a)(4)-3–4. Consumer Financial Protection Bureau
Status and limits
I. No actual enrollment or capitalization facts assumed.

Recorded coordinator check boundaries

coordinator review
{"at": "2026-10-29T08:49:29.019966+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "atomic_reconciliation": "[internal evidence reference]", "disposition": "material_original_comment_or_crossreference_unreopened_held", "scope": "Somegenericoperativecontextfreshbutmaterialofficialcomment/statute/financecharge/APR/model/history/ESIGN/EDtechnical/pixelpremisesunreopened;originallimitsandcurrentnessremain.Noerrororwholeclaimacceptance. ", "all_original_limits_retained": true, "entire_claim_currentness_or_actual_application_accepted": false}
R018-P1-C048 Saved research record

Application disclosures state applicable age/enrollment criteria concerning the consumer or cosigner and whether rates typically are higher without a cosigner/guarantor. A numerical estimate of the cosigner’s rate effect is not required by that comment.

Recorded check status: fresh47 operative content checked comment pricing inputs held

Source and pinpoint
S007 §1026.47(a)(1)(iv), (5), comment 47(a)(1)(iv)-1; statutory context S001 §1638(e)(1)(D), (J). ecfr.gov +2
Status and limits
R/I/L. This does not authorize a cosigner requirement under other law or decide creditworthiness.

Recorded coordinator check boundaries

coordinator review
{"at": "2026-10-29T08:49:29.019966+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "atomic_reconciliation": "[internal evidence reference]", "disposition": "fresh47_operative_content_checked_comment_pricing_inputs_held", "scope": "Complete47contentlistfreshsupportsitem/triggers/25percentestimate/specifiedcostexample;commentfreshness/grossup/deferral/legalceiling/bankruptcy/aidprogram/actualrateandcalculationnotfreshlyverified.", "all_original_limits_retained": true, "entire_claim_currentness_or_actual_application_accepted": false}
R018-P1-C049 Saved research record

Application alternatives disclosures say the consumer may qualify for Title IV aid, give applicable program rates and fixed/variable status, identify school/ED information and an appropriate ED website, and mention possible school-specific benefits. Where statutory rates vary by application/disbursement date, the commentary calls for the rate current when disclosure is provided.

Recorded check status: fresh47 operative content checked comment pricing inputs held

Source and pinpoint
S007 §1026.47(a)(6), comments (a)(6)(ii)-1 and (iii)-1. ecfr.gov +1
Status and limits
R/I. No current federal-rate table or actual aid eligibility determination; underlying rate-program cross-references were not independently audited.

Recorded coordinator check boundaries

coordinator review
{"at": "2026-10-29T08:49:29.019966+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "atomic_reconciliation": "[internal evidence reference]", "disposition": "fresh47_operative_content_checked_comment_pricing_inputs_held", "scope": "Complete47contentlistfreshsupportsitem/triggers/25percentestimate/specifiedcostexample;commentfreshness/grossup/deferral/legalceiling/bankruptcy/aidprogram/actualrateandcalculationnotfreshlyverified.", "all_original_limits_retained": true, "entire_claim_currentness_or_actual_application_accepted": false}
R018-P1-C050 Saved research record

Application disclosures also explain the 30-day availability/protection of approved terms subject to lawful changes and, when applicable, the requirement to complete self-certification before consummation and obtain the form through the institution.

Recorded check status: fresh47 operative content checked comment pricing inputs held

Source and pinpoint
S007 §1026.47(a)(7)–(8), general comment 47-1. ecfr.gov +1
Status and limits
R/I. Inapplicable self-certification information may be omitted under the stated comment.

Recorded coordinator check boundaries

coordinator review
{"at": "2026-10-29T08:49:29.019966+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "atomic_reconciliation": "[internal evidence reference]", "disposition": "fresh47_operative_content_checked_comment_pricing_inputs_held", "scope": "Complete47contentlistfreshsupportsitem/triggers/25percentestimate/specifiedcostexample;commentfreshness/grossup/deferral/legalceiling/bankruptcy/aidprogram/actualrateandcalculationnotfreshlyverified.", "all_original_limits_retained": true, "entire_claim_currentness_or_actual_application_accepted": false}
R018-P1-C051 Saved research record

Approval and final disclosures incorporate applicable §1026.18 items: creditor identity, amount financed/itemization, finance charge, APR, variable-rate information, payment schedule, total payments, and applicable demand/credit-sale/prepayment/late-charge/security/insurance/debt-cancellation/contract/deposit items. The express APR-disclosure exception is finance charge no more than $5 with amount financed no more than $75, or finance charge no more than $7.50 when amount financed exceeds $75.

Recorded check status: material original comment or crossreference unreopened held

Source and pinpoint
S007 §1026.47(b), (c); S011 §1026.18(a)–(r), especially (e). ecfr.gov +1
Status and limits
R. These APR exceptions are not rate or cost ceilings. Mortgage-only fields are not imported into an excluded secured transaction.

Recorded coordinator check boundaries

coordinator review
{"at": "2026-10-29T08:49:29.019966+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "atomic_reconciliation": "[internal evidence reference]", "disposition": "material_original_comment_or_crossreference_unreopened_held", "scope": "Somegenericoperativecontextfreshbutmaterialofficialcomment/statute/financecharge/APR/model/history/ESIGN/EDtechnical/pixelpremisesunreopened;originallimitsandcurrentnessremain.Noerrororwholeclaimacceptance. ", "all_original_limits_retained": true, "entire_claim_currentness_or_actual_application_accepted": false}
R018-P1-C052 Saved research record

Approval discloses actual rate, fixed/variable status and adjustment limits, itemized fees/default consequences, and principal equal to the note’s face amount at approval, labeled Total Loan Amount. That amount can differ from amount financed. Itemization can satisfy specified duplicate-placement requirements.

Recorded check status: material original comment or crossreference unreopened held

Source and pinpoint
S007 §1026.47(b)(1)–(3)(i), comments 47(b)(1)-1–3, (b)(2)-1, (b)(3)-1. Consumer Financial Protection Bureau
Status and limits
R/I. No face amount, fee, or APR calculated.

Recorded coordinator check boundaries

coordinator review
{"at": "2026-10-29T08:49:29.019966+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "atomic_reconciliation": "[internal evidence reference]", "disposition": "material_original_comment_or_crossreference_unreopened_held", "scope": "Somegenericoperativecontextfreshbutmaterialofficialcomment/statute/financecharge/APR/model/history/ESIGN/EDtechnical/pixelpremisesunreopened;originallimitsandcurrentnessremain.Noerrororwholeclaimacceptance. ", "all_original_limits_retained": true, "entire_claim_currentness_or_actual_application_accepted": false}
R018-P1-C053 Saved research record

Approval repayment content includes term; chosen deferral and later options; required in-school payments; unpaid interest that will accrue; bankruptcy caution; and applicable payment schedule. The statute expressly mentions whether monthly payments are graduated; §1026.18(g) supplies the incorporated schedule requirement.

Recorded check status: fresh47 operative content checked comment pricing inputs held

Source and pinpoint
S001 §1638(e)(2)(G)–(K); S007 §1026.47(b)(3)(ii)–(vi); S011 §1026.18(g). uscode.house.gov +2
Status and limits
L/R/I. No actual graduated-payment or repayment schedule assessed.

Recorded coordinator check boundaries

coordinator review
{"at": "2026-10-29T08:49:29.019966+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "atomic_reconciliation": "[internal evidence reference]", "disposition": "fresh47_operative_content_checked_comment_pricing_inputs_held", "scope": "Complete47contentlistfreshsupportsitem/triggers/25percentestimate/specifiedcostexample;commentfreshness/grossup/deferral/legalceiling/bankruptcy/aidprogram/actualrateandcalculationnotfreshlyverified.", "all_original_limits_retained": true, "entire_claim_currentness_or_actual_application_accepted": false}
R018-P1-C054 Saved research record

Approval estimates total repayment at the actual approval rate and at the maximum contractual rate, or, absent a contractual maximum, an applicable legal ceiling. If no maximum can be determined, the prescribed assumption is 25%, with the required no-maximum/estimate warning.

Recorded check status: fresh47 operative content checked comment pricing inputs held

Source and pinpoint
S007 §1026.47(b)(3)(vii), comment 47(b)(3)-6. Consumer Financial Protection Bureau
Status and limits
R/I. 25% is not a universal lawful cap or actual rate. State/federal ceiling applicability is unresolved.

Recorded coordinator check boundaries

coordinator review
{"at": "2026-10-29T08:49:29.019966+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "atomic_reconciliation": "[internal evidence reference]", "disposition": "fresh47_operative_content_checked_comment_pricing_inputs_held", "scope": "Complete47contentlistfreshsupportsitem/triggers/25percentestimate/specifiedcostexample;commentfreshness/grossup/deferral/legalceiling/bankruptcy/aidprogram/actualrateandcalculationnotfreshlyverified.", "all_original_limits_retained": true, "entire_claim_currentness_or_actual_application_accepted": false}
R018-P1-C055 Saved research record

Approval also gives maximum monthly payment using the prescribed maximum-rate approach or 25% assumption. The commentary permits reflecting contractual incremental rate-increase limits in the calculation; the no-maximum estimate warning remains required where applicable. A separate §1026.18(f)(1)(iv) variable-payment example is unnecessary because this education-loan disclosure supplies the specified maximum-payment information.

Recorded check status: material original comment or crossreference unreopened held

Source and pinpoint
S007 §1026.47(b)(3)(viii), comments 47(b)(3)-6(iii), -7 and 47(b)(1)-1. Consumer Financial Protection Bureau
Status and limits
R/I. No calculation or lawful-price certification.

Recorded coordinator check boundaries

coordinator review
{"at": "2026-10-29T08:49:29.019966+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "atomic_reconciliation": "[internal evidence reference]", "disposition": "material_original_comment_or_crossreference_unreopened_held", "scope": "Somegenericoperativecontextfreshbutmaterialofficialcomment/statute/financecharge/APR/model/history/ESIGN/EDtechnical/pixelpremisesunreopened;originallimitsandcurrentnessremain.Noerrororwholeclaimacceptance. ", "all_original_limits_retained": true, "entire_claim_currentness_or_actual_application_accepted": false}
R018-P1-C056 Saved research record

Approval repeats the specified federal-aid possibility, rates, and information-source disclosures. The general “as applicable” comment allows omission of federal-alternative disclosures for private-loan consolidation and optional post-graduation transactions where inapplicable.

Recorded check status: material original comment or crossreference unreopened held

Source and pinpoint
S007 §1026.47(b)(4), comments 47-1 and 47(b)(4)-1. Consumer Financial Protection Bureau +1
Status and limits
R/I. No actual federal-aid availability finding.

Recorded coordinator check boundaries

coordinator review
{"at": "2026-10-29T08:49:29.019966+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "atomic_reconciliation": "[internal evidence reference]", "disposition": "material_original_comment_or_crossreference_unreopened_held", "scope": "Somegenericoperativecontextfreshbutmaterialofficialcomment/statute/financecharge/APR/model/history/ESIGN/EDtechnical/pixelpremisesunreopened;originallimitsandcurrentnessremain.Noerrororwholeclaimacceptance. ", "all_original_limits_retained": true, "entire_claim_currentness_or_actual_application_accepted": false}
R018-P1-C057 Saved research record

Approval must identify the specific acceptance-expiration date based on receipt, any longer period actually offered, permitted acceptance methods, and protection of terms subject to permitted changes.

Recorded check status: fresh47 operative content checked comment pricing inputs held

Source and pinpoint
S007 §1026.47(b)(5), comment 47(b)(5)-1. Consumer Financial Protection Bureau
Status and limits
R/I. A printed date is not proof that it was correctly calculated.

Recorded coordinator check boundaries

coordinator review
{"at": "2026-10-29T08:49:29.019966+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "atomic_reconciliation": "[internal evidence reference]", "disposition": "fresh47_operative_content_checked_comment_pricing_inputs_held", "scope": "Complete47contentlistfreshsupportsitem/triggers/25percentestimate/specifiedcostexample;commentfreshness/grossup/deferral/legalceiling/bankruptcy/aidprogram/actualrateandcalculationnotfreshlyverified.", "all_original_limits_retained": true, "entire_claim_currentness_or_actual_application_accepted": false}
R018-P1-C058 Saved research record

Final content repeats applicable §1026.18 and §1026.47(b)(1)–(3) information and adds the cancellation notice. It does not repeat §1026.47(b)(4)’s federal-alternative or (b)(5)’s acceptance notice as final-stage requirements. The 2009 rule expressly addresses the statutory final-stage federal-aid wording and adopts the regulatory exception.

Recorded check status: fresh statutory regulatory wording distinguished historical implementation held

Source and pinpoint
S007 §1026.47(c); S001 §1638(e)(4); S005 §1604; S024, 74 FR 41221–41222, PDF 27–28. ecfr.gov +2
Status and limits
L/R/H. Statutory and regulatory content lists are not silently conflated.

Recorded coordinator check boundaries

coordinator review
{"at": "2026-10-29T08:49:29.019966+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "atomic_reconciliation": "[internal evidence reference]", "disposition": "fresh_statutory_regulatory_wording_distinguished_historical_implementation_held", "scope": "Complete1638eand47c/48doperatewithdifferentconsummationversusacceptance/receiptevents/content;2009implementationpreambleunreopened,stateconsummationheld.", "all_original_limits_retained": true, "entire_claim_currentness_or_actual_application_accepted": false}
R018-P1-C059 Saved research record

All Subpart F disclosures must be clear and conspicuous. Approval/final disclosures must be written and retainable, grouped and segregated, with only directly related information. Specified acknowledgments/date/consumer information are allowed; creditor identity, insurance/debt cancellation, and certain security-interest charges may appear separately.

Recorded check status: fresh complete46 operative and stage context checked comment ESIGN application held

Source and pinpoint
S006 §1026.46(c)(1)–(2), comment 46(c)-1; S011 §1026.17(a). ecfr.gov
Status and limits
R/I. Text availability does not establish actual presentation compliance.

Recorded coordinator check boundaries

coordinator review
{"at": "2026-10-29T08:49:29.019966+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "atomic_reconciliation": "[internal evidence reference]", "disposition": "fresh_complete46_operative_and_stage_context_checked_comment_ESIGN_application_held", "scope": "46a–goperativeand47cnoticefresh;timing/primaryrecipient/retainability/segregation/applicationE-Signexception/estimates/subsequenteventslimitschecked;officialcommentextensions/ESIGNconditions/actualpixels/roles/consentnotfreshlyverified.", "all_original_limits_retained": true, "entire_claim_currentness_or_actual_application_accepted": false}
R018-P1-C060 Saved research record

The finance-charge term and amount and the interest rate receive special prominence, except for creditor identity. The final cancellation notice must be more conspicuous than other required disclosures except those specified items. For private education loans, APR is less conspicuous than finance charge, interest rate, and the cancellation notice.

Recorded check status: fresh complete46 operative and stage context checked comment ESIGN application held

Source and pinpoint
S006 §1026.46(c)(2)(iii); S007 §1026.47(c)(4), comment 47(c)-2; S011 §1026.17(a)(2). ecfr.gov +2
Status and limits
R/I. No universal mandatory 10-point Helvetica rule is inferred.

Recorded coordinator check boundaries

coordinator review
{"at": "2026-10-29T08:49:29.019966+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "atomic_reconciliation": "[internal evidence reference]", "disposition": "fresh_complete46_operative_and_stage_context_checked_comment_ESIGN_application_held", "scope": "46a–goperativeand47cnoticefresh;timing/primaryrecipient/retainability/segregation/applicationE-Signexception/estimates/subsequenteventslimitschecked;officialcommentextensions/ESIGNconditions/actualpixels/roles/consentnotfreshlyverified.", "all_original_limits_retained": true, "entire_claim_currentness_or_actual_application_accepted": false}
R018-P1-C061 Saved research record

Disclosures reflect the legal obligation. Unknown information is disclosed using the best information reasonably available and clearly identified as an estimate. This does not authorize inventing zero aid, a ceiling, or a known price.

Recorded check status: fresh complete46 operative and stage context checked comment ESIGN application held

Source and pinpoint
S006 §1026.46(e). ecfr.gov
Status and limits
R; last sentence INF. Actual data and pricing rules remain held.

Recorded coordinator check boundaries

coordinator review
{"at": "2026-10-29T08:49:29.019966+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "atomic_reconciliation": "[internal evidence reference]", "disposition": "fresh_complete46_operative_and_stage_context_checked_comment_ESIGN_application_held", "scope": "46a–goperativeand47cnoticefresh;timing/primaryrecipient/retainability/segregation/applicationE-Signexception/estimates/subsequenteventslimitschecked;officialcommentextensions/ESIGNconditions/actualpixels/roles/consentnotfreshlyverified.", "all_original_limits_retained": true, "entire_claim_currentness_or_actual_application_accepted": false}
R018-P1-C062 Saved research record

A later event making an approval/final disclosure inaccurate is not itself a Regulation Z violation under §1026.46(g). This does not authorize a prohibited term change. Final disclosures remain required, and §1026.48(c)(4) can require new approval disclosures. The ordinary §1026.17(f) change rule is not substituted for the education-loan scheme.

Recorded check status: fresh complete46 operative and stage context checked comment ESIGN application held

Source and pinpoint
S006 §1026.46(g), comments 1–2; S011 §1026.17(f). ecfr.gov +2
Status and limits
R/I. No actual inaccuracy or violation determined.

Recorded coordinator check boundaries

coordinator review
{"at": "2026-10-29T08:49:29.019966+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "atomic_reconciliation": "[internal evidence reference]", "disposition": "fresh_complete46_operative_and_stage_context_checked_comment_ESIGN_application_held", "scope": "46a–goperativeand47cnoticefresh;timing/primaryrecipient/retainability/segregation/applicationE-Signexception/estimates/subsequenteventslimitschecked;officialcommentextensions/ESIGNconditions/actualpixels/roles/consentnotfreshlyverified.", "all_original_limits_retained": true, "entire_claim_currentness_or_actual_application_accepted": false}
R018-P1-C063 Saved research record

Multiple creditors select which will provide one complete set at each stage. With multiple consumers, delivery may be to any primarily liable consumer. Guarantors, endorsers, and sureties are not generally consumers under the ordinary definition; their status must not be assumed from “cosigner” alone.

Recorded check status: fresh complete46 operative and stage context checked comment ESIGN application held

Source and pinpoint
S006 §1026.46(f); S010 §1026.2(a)(11), comment 1; S011 §1026.17(d), comments. ecfr.gov +2
Status and limits
R/I. No universal separate-copy obligation to every cosigner established here; other-law duties and liability/release remain held.

Recorded coordinator check boundaries

coordinator review
{"at": "2026-10-29T08:49:29.019966+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "atomic_reconciliation": "[internal evidence reference]", "disposition": "fresh_complete46_operative_and_stage_context_checked_comment_ESIGN_application_held", "scope": "46a–goperativeand47cnoticefresh;timing/primaryrecipient/retainability/segregation/applicationE-Signexception/estimates/subsequenteventslimitschecked;officialcommentextensions/ESIGNconditions/actualpixels/roles/consentnotfreshlyverified.", "all_original_limits_retained": true, "entire_claim_currentness_or_actual_application_accepted": false}
R018-P1-C064 Saved research record

Application disclosures may accompany an electronically accessed application/solicitation without the E-Sign consent provisions. They qualify as “on or with” if automatically displayed; on the same page with a conspicuous location/cost-information reference; or linked so submission cannot bypass them.

Recorded check status: fresh complete46 operative and stage context checked comment ESIGN application held

Source and pinpoint
S006 §1026.46(c)(3), comment 46(c)(3)-1(i)–(iii). ecfr.gov +1
Status and limits
R/I. This special exception is not extended to approval/final disclosures.

Recorded coordinator check boundaries

coordinator review
{"at": "2026-10-29T08:49:29.019966+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "atomic_reconciliation": "[internal evidence reference]", "disposition": "fresh_complete46_operative_and_stage_context_checked_comment_ESIGN_application_held", "scope": "46a–goperativeand47cnoticefresh;timing/primaryrecipient/retainability/segregation/applicationE-Signexception/estimates/subsequenteventslimitschecked;officialcommentextensions/ESIGNconditions/actualpixels/roles/consentnotfreshlyverified.", "all_original_limits_retained": true, "entire_claim_currentness_or_actual_application_accepted": false}
R018-P1-C065 Saved research record

Electronic approval/final disclosure is subject to applicable E-Sign requirements: affirmative consent not withdrawn; prior clear disclosures of paper options, withdrawal conditions/consequences, scope, procedures/contact updates and paper-copy options/fees; hardware/software requirements; and electronic consent or confirmation reasonably demonstrating access to the form used. Material access-risk changes trigger additional information/consent requirements.

Recorded check status: fresh complete46 operative and stage context checked comment ESIGN application held

Source and pinpoint
S006 §1026.46(c)(3); S021, 15 U.S.C. §7001(c)(1)(A)–(D). ecfr.gov +1
Status and limits
L/R. Mere possession of an email address or agreement to loan terms is not established proof of these conditions.

Recorded coordinator check boundaries

coordinator review
{"at": "2026-10-29T08:49:29.019966+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "atomic_reconciliation": "[internal evidence reference]", "disposition": "fresh_complete46_operative_and_stage_context_checked_comment_ESIGN_application_held", "scope": "46a–goperativeand47cnoticefresh;timing/primaryrecipient/retainability/segregation/applicationE-Signexception/estimates/subsequenteventslimitschecked;officialcommentextensions/ESIGNconditions/actualpixels/roles/consentnotfreshlyverified.", "all_original_limits_retained": true, "entire_claim_currentness_or_actual_application_accepted": false}
R018-P1-C066 Saved research record

E-Sign preserves applicable substantive/timing obligations. An oral recording does not by itself satisfy the consumer-writing provision; electronic-consent defects do not, solely for that reason, automatically invalidate the contract under §7001(c)(3). Retention/accessibility provisions also matter.

Recorded check status: material original comment or crossreference unreopened held

Source and pinpoint
S021 §7001(b), (c)(2)–(6), (d)–(e). uscode.house.gov +1
Status and limits
L. No contract-validity or evidentiary ruling.

Recorded coordinator check boundaries

coordinator review
{"at": "2026-10-29T08:49:29.019966+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "atomic_reconciliation": "[internal evidence reference]", "disposition": "material_original_comment_or_crossreference_unreopened_held", "scope": "Somegenericoperativecontextfreshbutmaterialofficialcomment/statute/financecharge/APR/model/history/ESIGN/EDtechnical/pixelpremisesunreopened;originallimitsandcurrentnessremain.Noerrororwholeclaimacceptance. ", "all_original_limits_retained": true, "entire_claim_currentness_or_actual_application_accepted": false}
R018-P1-C067 Saved research record

Section 1026.46(d)(4) supplies a mailed-disclosure receipt rule. No automatic three-day electronic-receipt presumption appears in that provision. Actual electronic delivery, access, consent, and receipt evidence remain necessary unresolved categories.

Recorded check status: fresh complete46 operative and stage context checked comment ESIGN application held

Source and pinpoint
S006 §1026.46(d)(4); S021 §7001. ecfr.gov +1
Status and limits
R/INF/U. No electronic timestamp or actual receipt inferred.

Recorded coordinator check boundaries

coordinator review
{"at": "2026-10-29T08:49:29.019966+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "atomic_reconciliation": "[internal evidence reference]", "disposition": "fresh_complete46_operative_and_stage_context_checked_comment_ESIGN_application_held", "scope": "46a–goperativeand47cnoticefresh;timing/primaryrecipient/retainability/segregation/applicationE-Signexception/estimates/subsequenteventslimitschecked;officialcommentextensions/ESIGNconditions/actualpixels/roles/consentnotfreshlyverified.", "all_original_limits_retained": true, "entire_claim_currentness_or_actual_application_accepted": false}
R018-P1-C068 Saved research record

For a covered private loan intended for expenses while a student attends an IHE, the creditor must obtain the consumer/applicant-signed ED self-certification form before consummation, in written or permitted electronic form.

Recorded check status: fresh selfcert statute regulation checked attendance comment application held

Source and pinpoint
S001 §1638(e)(3)(A); S008 §1026.48(e); S018 §1019d(a). uscode.house.gov +2
Status and limits
L/R. Actual form, signature, and consummation are held.

Recorded coordinator check boundaries

coordinator review
{"at": "2026-10-29T08:49:29.019966+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "atomic_reconciliation": "[internal evidence reference]", "disposition": "fresh_selfcert_statute_regulation_checked_attendance_comment_application_held", "scope": "1638e3and48ebeforeconsummation/applicantsignature/formcollectionread;narrowattendancescopefromtextwithcommentoriginalunreopened,noactualIHE/eligibility/accuracypresumption.", "all_original_limits_retained": true, "entire_claim_currentness_or_actual_application_accepted": false}
R018-P1-C069 Saved research record

The self-certification requirement is not coextensive with every covered institution. It applies to current or intended future IHE attendance; it does not apply where the loan is not intended for such attendance, such as post-graduation consolidation described in the comment.

Recorded check status: fresh selfcert statute regulation checked attendance comment application held

Source and pinpoint
S008, comment 48(e)-1; S007, general comment 47-1. Consumer Financial Protection Bureau +1
Status and limits
I. No actual institution/attendance conclusion.

Recorded coordinator check boundaries

coordinator review
{"at": "2026-10-29T08:49:29.019966+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "atomic_reconciliation": "[internal evidence reference]", "disposition": "fresh_selfcert_statute_regulation_checked_attendance_comment_application_held", "scope": "1638e3and48ebeforeconsummation/applicantsignature/formcollectionread;narrowattendancescopefromtextwithcommentoriginalunreopened,noactualIHE/eligibility/accuracypresumption.", "all_original_limits_retained": true, "entire_claim_currentness_or_actual_application_accepted": false}
R018-P1-C070 Saved research record

Section 1638(e)(3)(B) limits the additional duty under that paragraph to collecting the required form. Obtaining a signed form is not proof of actual aid eligibility, lawful price, school eligibility, or accuracy of every underlying fact.

Recorded check status: fresh selfcert statute regulation checked attendance comment application held

Source and pinpoint
S001 §1638(e)(3)(B); S008 comment 48(e)-1. uscode.house.gov +1
Status and limits
L/I; evidentiary distinction INF. Not a general exemption from other law.

Recorded coordinator check boundaries

coordinator review
{"at": "2026-10-29T08:49:29.019966+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "atomic_reconciliation": "[internal evidence reference]", "disposition": "fresh_selfcert_statute_regulation_checked_attendance_comment_application_held", "scope": "1638e3and48ebeforeconsummation/applicantsignature/formcollectionread;narrowattendancescopefromtextwithcommentoriginalunreopened,noactualIHE/eligibility/accuracypresumption.", "all_original_limits_retained": true, "entire_claim_currentness_or_actual_application_accepted": false}
R018-P1-C071 Saved research record

Participating institutions have request-based duties to provide the form and required information to the extent possessed; ED regulations address admitted/enrolled students and discussion of federal, state, and institutional aid upon request.

Recorded check status: material original comment or crossreference unreopened held

Source and pinpoint
S019 §1094(a)(28); S020 §§601.11(d), 668.14(b)(29); S018 §1019d(a)(2). uscode.house.gov +2
Status and limits
L/R. No school contact, record request, or aid determination.

Recorded coordinator check boundaries

coordinator review
{"at": "2026-10-29T08:49:29.019966+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "atomic_reconciliation": "[internal evidence reference]", "disposition": "material_original_comment_or_crossreference_unreopened_held", "scope": "Somegenericoperativecontextfreshbutmaterialofficialcomment/statute/financecharge/APR/model/history/ESIGN/EDtechnical/pixelpremisesunreopened;originallimitsandcurrentnessremain.Noerrororwholeclaimacceptance. ", "all_original_limits_retained": true, "entire_claim_currentness_or_actual_application_accepted": false}
R018-P1-C072 Saved research record

The form uses estimated COA and estimated financial assistance for the same covered period, with the difference C = A − B, plus aid-related notices and applicant certification/signature. A warning that borrowing above the difference may reduce aid is not a universal loan cap or actual eligibility finding.

Recorded check status: fresh symbolic form elements and instructions checked amounts held

Source and pinpoint
S018 §1019d(a)(3)–(5); S029 sections 1–5, document pp. 1–2/PDF 0–1; S031 self-certification discussion. uscode.house.gov +2
Status and limits
L/G/INF. No amount entered or calculation performed.

Recorded coordinator check boundaries

coordinator review
{"at": "2026-10-29T08:49:29.019966+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "atomic_reconciliation": "[internal evidence reference]", "disposition": "fresh_symbolic_form_elements_and_instructions_checked_amounts_held", "scope": "FormC=A-Band1019d/HandbookOFA/SAIsameperiodread;noaid/COAamountorloanlimitinvented.", "all_original_limits_retained": true, "entire_claim_currentness_or_actual_application_accepted": false}
R018-P1-C073 Saved research record

The creditor may supply the form and information and receive the signed form directly or through the institution. Institutional certification does not replace the applicant’s required signed form. Electronic signatures are valid under this comment if they meet ED’s issued requirements.

Recorded check status: material original comment or crossreference unreopened held

Source and pinpoint
S008, comments 48(e)-1–2. Consumer Financial Protection Bureau
Status and limits
I/U. The specific ED electronic-signature technical requirements referenced by the comment were not located/read.

Recorded coordinator check boundaries

coordinator review
{"at": "2026-10-29T08:49:29.019966+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "atomic_reconciliation": "[internal evidence reference]", "disposition": "material_original_comment_or_crossreference_unreopened_held", "scope": "Somegenericoperativecontextfreshbutmaterialofficialcomment/statute/financecharge/APR/model/history/ESIGN/EDtechnical/pixelpremisesunreopened;originallimitsandcurrentnessremain.Noerrororwholeclaimacceptance. ", "all_original_limits_retained": true, "entire_claim_currentness_or_actual_application_accepted": false}
R018-P1-C074 Saved research record

The official currently linked blank PDF located in this investigation is the 2023 form; its parsed text prints expiration August 31, 2025 and uses older expected-family-contribution language. Its introduction refers to obtaining the form before disbursement. None of that changes the statutory/regulatory before-consummation requirement or proves current OMB approval.

Recorded check status: fresh ED form printed version checked current link OMB unverified

Source and pinpoint
S029 pp. 1–2/PDF 0–1; S030; S031; S001 §1638(e)(3); S018 current wording. fsapartners.ed.gov +3
Status and limits
G/U. No newer blank form or current approval status verified. Printed expiry does not repeal the statutory duty.

Recorded coordinator check boundaries

coordinator review
{"at": "2026-10-29T08:49:29.019966+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "atomic_reconciliation": "[internal evidence reference]", "disposition": "fresh_ED_form_printed_version_checked_current_link_OMB_unverified", "scope": "2023literalPDFstillprints2025expiry/EFCandbefore-disbursement;resourcecurrentlinkstatusandreapprovalnotrefreshedoraccepted;statutorypreconsummationdoesnotchange.", "all_original_limits_retained": true, "entire_claim_currentness_or_actual_application_accepted": false}
R018-P1-C075 Saved research record

The 2026–27 FSA Handbook explains the form’s information and printing/presentation requirements, including black ink/white paper and limited changes to the approved presentation. It uses current other-financial-assistance/SAI concepts and excludes the loan being certified from the assistance amount used for this purpose.

Recorded check status: fresh selected handbook OFA printing instructions checked

Source and pinpoint
S031, “Private Education Loans”/self-certification discussion, read bounds stated in source table. 2026-2027 Federal Student Aid Handbook +1
Status and limits
G. Handbook instructions are not a replacement statute or proof that the linked PDF has a current OMB approval.

Recorded coordinator check boundaries

coordinator review
{"at": "2026-10-29T08:49:29.019966+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "atomic_reconciliation": "[internal evidence reference]", "disposition": "fresh_selected_handbook_OFA_printing_instructions_checked", "scope": "Selected2026–27guidanceusesSAI/OFA/excludesloanbeingcertified/blackwhite/presentationrestrictions;notstatute/fullapprovedformpixelorOMBstatusfinding.", "all_original_limits_retained": true, "entire_claim_currentness_or_actual_application_accepted": false}
R018-P1-C076 Saved research record

Use of H-series model disclosures is optional. Statutory safe harbor depends on a model accurately reflecting the lender’s practices; the official Appendix instructions govern permissible use/modification. Model use does not establish compliance with timing, recipient, consent, classification, or disbursement duties.

Recorded check status: material original comment or crossreference unreopened held

Source and pinpoint
S001 §1638(e)(5)(C); S026, Appendix H comment 25 and G/H commentary. uscode.house.gov +2
Status and limits
L/I/INF. No actual form receives safe-harbor certification.

Recorded coordinator check boundaries

coordinator review
{"at": "2026-10-29T08:49:29.019966+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "atomic_reconciliation": "[internal evidence reference]", "disposition": "material_original_comment_or_crossreference_unreopened_held", "scope": "Somegenericoperativecontextfreshbutmaterialofficialcomment/statute/financecharge/APR/model/history/ESIGN/EDtechnical/pixelpremisesunreopened;originallimitsandcurrentnessremain.Noerrororwholeclaimacceptance. ", "all_original_limits_retained": true, "entire_claim_currentness_or_actual_application_accepted": false}
R018-P1-C077 Saved research record

H-18–H-23 instructions restrict reordering headings, grouped disclosures, and sequencing. They allow specified inapplicable deletions, contact/date information, limited combinations and wording changes, appropriate page sizes, continuation references for two-sided presentation, and substantially similar readable design. Ten-point Helvetica is encouraged/model practice, not a universal mandatory font.

Recorded check status: material original comment or crossreference unreopened held

Source and pinpoint
S026, Appendix H comment 25(i)–(vi); general G/H comment 1’s special exception for these forms. Consumer Financial Protection Bureau +1
Status and limits
I. Permitted changes remain conditional; no actual layout inspected.

Recorded coordinator check boundaries

coordinator review
{"at": "2026-10-29T08:49:29.019966+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "atomic_reconciliation": "[internal evidence reference]", "disposition": "material_original_comment_or_crossreference_unreopened_held", "scope": "Somegenericoperativecontextfreshbutmaterialofficialcomment/statute/financecharge/APR/model/history/ESIGN/EDtechnical/pixelpremisesunreopened;originallimitsandcurrentnessremain.Noerrororwholeclaimacceptance. ", "all_original_limits_retained": true, "entire_claim_currentness_or_actual_application_accepted": false}
R018-P1-C078 Saved research record

H-18, H-19, H-20 and H-21, H-22, H-23 were read as parsed text across both PDF pages. The ED form was likewise parsed across both pages. Attempts to view the H-18–H-20 and ED-form pages returned noninspectable placeholders, not usable pixels.

Recorded check status: material original comment or crossreference unreopened held

Source and pinpoint
S027–S029; Appendix placeholders S026. federalreserve.gov +6
Status and limits
U, access finding. Parsed text is not visual verification. No full-form/layout compliance certified.

Recorded coordinator check boundaries

coordinator review
{"at": "2026-10-29T08:49:29.019966+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "atomic_reconciliation": "[internal evidence reference]", "disposition": "material_original_comment_or_crossreference_unreopened_held", "scope": "Somegenericoperativecontextfreshbutmaterialofficialcomment/statute/financecharge/APR/model/history/ESIGN/EDtechnical/pixelpremisesunreopened;originallimitsandcurrentnessremain.Noerrororwholeclaimacceptance. ", "all_original_limits_retained": true, "entire_claim_currentness_or_actual_application_accepted": false}
R018-P1-C079 Saved research record

Archived H-23 parsed text presents a no-maximum/25%-assumption statement on PDF page 0 but a statement that the rate will never exceed 25% on page 1. Without pixels and reconciliation, that artifact cannot establish a real contractual cap or current model compliance. Historical sample federal rates, programs, and benchmark references are not current pricing evidence.

Recorded check status: material original comment or crossreference unreopened held

Source and pinpoint
S028, H-23 pp. 1–2/PDF 0–1, especially page-1 extraction line 112; S007 §1026.47(b)(3). federalreserve.gov +1
Status and limits
U/INF. Apparent parsed-text inconsistency is reported, not adjudicated as a defect in current operative Appendix H.

Recorded coordinator check boundaries

coordinator review
{"at": "2026-10-29T08:49:29.019966+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "atomic_reconciliation": "[internal evidence reference]", "disposition": "material_original_comment_or_crossreference_unreopened_held", "scope": "Somegenericoperativecontextfreshbutmaterialofficialcomment/statute/financecharge/APR/model/history/ESIGN/EDtechnical/pixelpremisesunreopened;originallimitsandcurrentnessremain.Noerrororwholeclaimacceptance. ", "all_original_limits_retained": true, "entire_claim_currentness_or_actual_application_accepted": false}
R018-P1-C080 Saved research record

A creditor other than the institution itself may not use school branding in a way implying endorsement. The rule provides specified equally prominent/proximate nonendorsement disclosures and a separate otherwise-lawful actual-endorsement arrangement route identifying the creditor as lender. Marketing includes transaction documents; commentary addresses creditor-name and authorized state-seal situations.

Recorded check status: fresh48 branding preferred lender operative checked comments HEA held

Source and pinpoint
S008 §1026.48(a)–(b), comments 1–3. ecfr.gov +1
Status and limits
R/I. No actual branding, endorsement, conflict-of-interest, or broader HEA compliance audit.

Recorded coordinator check boundaries

coordinator review
{"at": "2026-10-29T08:49:29.019966+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "atomic_reconciliation": "[internal evidence reference]", "disposition": "fresh48_branding_preferred_lender_operative_checked_comments_HEA_held", "scope": "48a/b/foperativeconditions/proximity/annualperiodtimingfresh;notcompleteHEAarrangementdefinitions/actualbranding/lenderrosterorcommentdetailacceptance.", "all_original_limits_retained": true, "entire_claim_currentness_or_actual_application_accepted": false}
R018-P1-C081 Saved research record

A creditor aware it is party to a preferred-lender arrangement must provide the institution §1026.47(a)(1)–(5) information for each planned loan type for the next July–June period, annually by the later of April 1 or 30 days after entering/learning of the arrangement. Format is flexible under the comment.

Recorded check status: fresh48 branding preferred lender operative checked comments HEA held

Source and pinpoint
S008 §1026.48(f), comment 48(f)-1; S017 §1019(8); S001 §1638(e)(11). ecfr.gov +2
Status and limits
L/R/I. No preferred-lender list or arrangement searched.

Recorded coordinator check boundaries

coordinator review
{"at": "2026-10-29T08:49:29.019966+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "atomic_reconciliation": "[internal evidence reference]", "disposition": "fresh48_branding_preferred_lender_operative_checked_comments_HEA_held", "scope": "48a/b/foperativeconditions/proximity/annualperiodtimingfresh;notcompleteHEAarrangementdefinitions/actualbranding/lenderrosterorcommentdetailacceptance.", "all_original_limits_retained": true, "entire_claim_currentness_or_actual_application_accepted": false}
R018-P1-C082 Saved research record

The 2008 enactment and its delayed-effect provisions must be distinguished from the 2009 regulation: final rule effective September 14, 2009; compliance optional until February 14, 2010. Mandatory loan application trigger was receipt on/after February 14, 2010; co-branding trigger was marketing on/after that date. Earlier applications could use specified optional disclosure stages, but applicable timing, acceptance/cancellation, and self-certification conditions accompanied that election.

Recorded check status: fresh statutory effective notes only transition final rule unreopened

Source and pinpoint
S001 effective-date notes; S024, 74 FR 41194 and 41248, PDF 0 and 54, comments 1(d)(6)-1–2. uscode.house.gov +2
Status and limits
H/L notes. Not retroactive treatment of an unidentified old loan.

Recorded coordinator check boundaries

coordinator review
{"at": "2026-10-29T08:49:29.019966+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "atomic_reconciliation": "[internal evidence reference]", "disposition": "fresh_statutory_effective_notes_only_transition_final_rule_unreopened", "scope": "1638e2008notesread;exact2009finalruleapplication/marketingoptionaltransitionandcompletehistoryremainoriginalattribution/unreopened.", "all_original_limits_retained": true, "entire_claim_currentness_or_actual_application_accepted": false}
R018-P1-C083 Saved research record

CFPB’s 2011 interim final rule republished Regulation Z as part 1026, effective December 30, 2011, with stated technical/conforming treatment rather than a substantive rewrite of these provisions.

Recorded check status: material original comment or crossreference unreopened held

Source and pinpoint
S025, 76 FR 79768–79769, dates and introductory discussion. federalregister.gov +2
Status and limits
H, interim final rule. The entire lengthy republication PDF was not read.

Recorded coordinator check boundaries

coordinator review
{"at": "2026-10-29T08:49:29.019966+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "atomic_reconciliation": "[internal evidence reference]", "disposition": "material_original_comment_or_crossreference_unreopened_held", "scope": "Somegenericoperativecontextfreshbutmaterialofficialcomment/statute/financecharge/APR/model/history/ESIGN/EDtechnical/pixelpremisesunreopened;originallimitsandcurrentnessremain.Noerrororwholeclaimacceptance. ", "all_original_limits_retained": true, "entire_claim_currentness_or_actual_application_accepted": false}
R018-P1-C084 Saved research record

Current HEA cross-references use amended COA and Student Aid Index terminology. Relevant statutory notes identify July 1, 2024/2024–25 award-year implementation, with authorized earlier implementation of specified COA provisions on or after July 1, 2023.

Recorded check status: fresh selected current COA SAI notes checked full implementation held

Source and pinpoint
S016 §1087ll and notes; S018 §1019d and notes. uscode.house.gov +1
Status and limits
L notes. No complete session-law implementation audit or award calculation.

Recorded coordinator check boundaries

coordinator review
{"at": "2026-10-29T08:49:29.019966+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "atomic_reconciliation": "[internal evidence reference]", "disposition": "fresh_selected_current_COA_SAI_notes_checked_full_implementation_held", "scope": "CurrentSAIreplacementandCOA2024/2023notesread;notwholeimplementation/sessionlaw/awardyearapplicationaudit.", "all_original_limits_retained": true, "entire_claim_currentness_or_actual_application_accepted": false}
R018-P1-C085 Saved research record

The CFPB’s December 2020 private-education-loan advisory opinion at 85 FR 79400 is listed as withdrawn effective May 12, 2025 in the official withdrawal materials. It is not used as operative authority here. Withdrawal does not repeal TILA or the separately published current regulation/official interpretations.

Recorded check status: dated positive advisory withdrawal entry only publication unreopened

Source and pinpoint
S032 relevant register entry; S033, 90 FR 20084–20087, dates and Part III advisory-opinion item 13, PDF 0 and 2. Consumer Financial Protection Bureau +2
Status and limits
Withdrawn guidance; distinction L/R versus G. No other CFPB circular/bulletin/advisory is used as operative law.

Recorded coordinator check boundaries

coordinator review
{"at": "2026-10-29T08:49:29.019966+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "atomic_reconciliation": "[internal evidence reference]", "disposition": "dated_positive_advisory_withdrawal_entry_only_publication_unreopened", "scope": "ExactR003genericregisterL54–56datedreuse;withdrawalMay12,2025positiveentry,notfull90FRpublicationfreshoroperativeadvisory.", "all_original_limits_retained": true, "entire_claim_currentness_or_actual_application_accepted": false}
R018-P1-C086 Saved research record

The accessed House pages report compilation through specified October 2026 public laws; eCFR Title 12/34 pages report their own October 23 currency. Those labels establish the retrieved version, not a complete annual-CFR, session-law, judicial-history, stay/vacatur, or later-amendment audit.

Recorded check status: dated compilation currency limit preserved not all later authority

Source and pinpoint
S001–S025 version fields; S009 eCFR status statement. uscode.house.gov +2
Status and limits
U/currentness limit. No proposed/future rule, repealed text, or withdrawn guidance is substituted for the operative bodies read; unexamined later history remains unknown.

Recorded coordinator check boundaries

coordinator review
{"at": "2026-10-29T08:49:29.019966+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "atomic_reconciliation": "[internal evidence reference]", "disposition": "dated_compilation_currency_limit_preserved_not_all_later_authority", "scope": "eCFR10/23displayfresh;otheroriginalpageboundarynotesnotallfreshheaders;noannual/sessionlaw/citator/stay/currentnesscertificate.", "all_original_limits_retained": true, "entire_claim_currentness_or_actual_application_accepted": false}

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.

R018-P1-S001 Saved research record

US House OLRC, 15 U.S.C. §1638 — Transactions other than under an open end credit plan. https://uscode.house.gov/us/usc/119-118/t15/s1638/

Recorded check status: fresh complete1638e checked selected effective notes

Exact body read / printed page / PDF index
Complete necessary §1638(e)(1)–(11); relevant subsection (a) disclosures and effective-date notes. HTML
Version, effective predicate, and read/currentness limit
U120, despite older number in URL. Fresh body read; internal reuse. 2008 enactment/delayed-effect notes distinguished from 2009 rule dates. Not every unrelated mortgage clause/history audited
Direct source URLs
https://uscode.house.gov/us/usc/119-118/t15/s1638/
https://uscode.house.gov/us/usc/119-118/t15/s1638/?utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review
{"at": "2026-10-29T08:49:29.019966+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "source_check": "[internal evidence reference]", "disposition": "fresh_complete1638e_checked_selected_effective_notes", "scope": "Completee1–11/read111–253andselected2008notes330–333;othera/2009implementationpreamble/allhistoryunreopened.", "selected_evidence_keys": ["1638e_early", "1638e_tail", "1638_effective_date_notes"], "all_original_limits_retained": true}
R018-P1-S002 Saved research record

US House OLRC, 15 U.S.C. §1650 — Preventing unfair and deceptive private educational lending practices and eliminating conflicts of interest. https://uscode.house.gov/us/usc/119-120/t15/s1650/

Recorded check status: fresh selected1650 lender loan prepayment checked

Exact body read / printed page / PDF index
Entire (a)–(g) body and relevant notes read; reliance focuses on (a)(1)–(8) and (e). HTML
Version, effective predicate, and read/currentness limit
U120. Other conflict/cosigner provisions were not developed into a complete component; later cosigner applicability remains held
Direct source URLs
https://uscode.house.gov/us/usc/119-120/t15/s1650/
https://uscode.house.gov/us/usc/119-120/t15/s1650/?utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review
{"at": "2026-10-29T08:49:29.019966+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "source_check": "[internal evidence reference]", "disposition": "fresh_selected1650_lender_loan_prepayment_checked", "scope": "a7–8andeprepaymentselected;notwholea–g/charter/actualcosignerregimeor2018applicationdecision.", "selected_evidence_keys": ["1650_private_lender_loan_definitions_and_prepayment"], "all_original_limits_retained": true}
R018-P1-S003 Saved research record

US House OLRC, 15 U.S.C. §1602 — Definitions and rules of construction. https://uscode.house.gov/us/usc/119-121/t15/s1602/

Recorded check status: original attribution unreopened all limits retained

Exact body read / printed page / PDF index
Relevant definitions (d)–(j), especially (g) creditor, (h) consumer, (i) open-end. HTML
Version, effective predicate, and read/currentness limit
U121. Selected necessary body; not all definitions or historical amendments
Direct source URLs
https://uscode.house.gov/us/usc/119-121/t15/s1602/
https://uscode.house.gov/us/usc/119-121/t15/s1602/?utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review
{"at": "2026-10-29T08:49:29.019966+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "source_check": "[internal evidence reference]", "disposition": "original_attribution_unreopened_all_limits_retained", "scope": "Originalresearcherbody/statusrecordretained;nofreshmaterialbodyorversionacceptance. Allnested/history/pixel/pricing/aid/signature/currentness/applicationlimitsremain.", "selected_evidence_keys": [], "all_original_limits_retained": true}
R018-P1-S004 Saved research record

US House OLRC, 15 U.S.C. §1603 — Exempted transactions. https://uscode.house.gov/us/usc/119-121/t15/s1603/

Recorded check status: original attribution unreopened all limits retained

Exact body read / printed page / PDF index
Complete numbered exemptions (1)–(7) and relevant notes. HTML
Version, effective predicate, and read/currentness limit
U121. No current annual amount threshold computed because private education loans are excepted from that amount exemption
Direct source URLs
https://uscode.house.gov/us/usc/119-121/t15/s1603/
https://uscode.house.gov/us/usc/119-121/t15/s1603/?utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review
{"at": "2026-10-29T08:49:29.019966+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "source_check": "[internal evidence reference]", "disposition": "original_attribution_unreopened_all_limits_retained", "scope": "Originalresearcherbody/statusrecordretained;nofreshmaterialbodyorversionacceptance. Allnested/history/pixel/pricing/aid/signature/currentness/applicationlimitsremain.", "selected_evidence_keys": [], "all_original_limits_retained": true}
R018-P1-S005 Saved research record

US House OLRC, 15 U.S.C. §1604 — Disclosure guidelines. https://uscode.house.gov/us/usc/119-121/t15/s1604/

Recorded check status: original attribution unreopened all limits retained

Exact body read / printed page / PDF index
(a)–(f), including adjustment/exception/model authority. HTML
Version, effective predicate, and read/currentness limit
U121. Used for the rulemaking explanation, not an actual safe-harbor/remedy determination
Direct source URLs
https://uscode.house.gov/us/usc/119-121/t15/s1604/
https://uscode.house.gov/us/usc/119-121/t15/s1604/?utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review
{"at": "2026-10-29T08:49:29.019966+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "source_check": "[internal evidence reference]", "disposition": "original_attribution_unreopened_all_limits_retained", "scope": "Originalresearcherbody/statusrecordretained;nofreshmaterialbodyorversionacceptance. Allnested/history/pixel/pricing/aid/signature/currentness/applicationlimitsremain.", "selected_evidence_keys": [], "all_original_limits_retained": true}
R018-P1-S006 Saved research record

CFPB, §1026.46 and official interpretations. https://www.consumerfinance.gov/rules-policy/regulations/1026/46/ ; https://www.consumerfinance.gov/rules-policy/regulations/1026/interp-46/

Recorded check status: fresh46 operative via same family eCFR comments unreopened

Exact body read / printed page / PDF index
Entire (a)–(g) and all section-specific official comments, including complete (b)(5) definition. HTML
Version, effective predicate, and read/currentness limit
CZ. Fresh full substantive reading across retrievals; later navigation-heavy return not treated as operative body. Cross-checked against S009
Direct source URLs
https://www.consumerfinance.gov/rules-policy/regulations/1026/46/
https://www.consumerfinance.gov/rules-policy/regulations/1026/interp-46/
https://www.consumerfinance.gov/rules-policy/regulations/1026/46/?utm_source=chatgpt.com
https://www.consumerfinance.gov/rules-policy/regulations/1026/interp-46/?utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review
{"at": "2026-10-29T08:49:29.019966+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "source_check": "[internal evidence reference]", "disposition": "fresh46_operative_via_same_family_eCFR_comments_unreopened", "scope": "Complete46a–goperativeviaS009,notindependentcorroboration;original46allcommentreadingattributed/unreopened,knownmainnavigationrouteunretried.", "selected_evidence_keys": ["SubpartF46_coverage_definition_form_timing", "SubpartF46_estimates_multiple_parties_subsequent_events"], "all_original_limits_retained": true}
R018-P1-S007 Saved research record

CFPB, §1026.47 and official interpretations. https://www.consumerfinance.gov/rules-policy/regulations/1026/47/ ; https://www.consumerfinance.gov/rules-policy/regulations/1026/interp-47/

Recorded check status: fresh47 operative via same family eCFR comments unreopened

Exact body read / printed page / PDF index
Entire (a)–(c), every numbered content item, and all comments, including general “as applicable,” fee/example, maximum-payment, acceptance, and cancellation comments. HTML
Version, effective predicate, and read/currentness limit
CZ. Entire focused body read; not all external computation/rate-law cross-references opened
Direct source URLs
https://www.consumerfinance.gov/rules-policy/regulations/1026/47/
https://www.consumerfinance.gov/rules-policy/regulations/1026/interp-47/
https://www.consumerfinance.gov/rules-policy/regulations/1026/47/?utm_source=chatgpt.com
https://www.consumerfinance.gov/rules-policy/regulations/1026/interp-47/?utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review
{"at": "2026-10-29T08:49:29.019966+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "source_check": "[internal evidence reference]", "disposition": "fresh47_operative_via_same_family_eCFR_comments_unreopened", "scope": "Complete47a–coperative;full47comments/18/APR/pricing/examplesnotfreshlyreopened;noactualrate/math/formfinding.", "selected_evidence_keys": ["SubpartF47_start", "SubpartF47_middle", "SubpartF47_final_and48_complete"], "all_original_limits_retained": true}
R018-P1-S008 Saved research record

CFPB, §1026.48 and official interpretations. https://www.consumerfinance.gov/rules-policy/regulations/1026/48/ ; https://www.consumerfinance.gov/rules-policy/regulations/1026/interp-48/

Recorded check status: fresh48 operative via eCFR fresh interp navigation only

Exact body read / printed page / PDF index
Entire (a)–(f) and all comments, including every change exception, cancellation procedure, self-certification, co-branding, and preferred-lender condition. HTML
Version, effective predicate, and read/currentness limit
CZ. Later main-page return supplied navigation; complete operative text independently retrieved in S009 and comments remained accessible
Direct source URLs
https://www.consumerfinance.gov/rules-policy/regulations/1026/48/
https://www.consumerfinance.gov/rules-policy/regulations/1026/interp-48/
https://www.consumerfinance.gov/rules-policy/regulations/1026/48/?utm_source=chatgpt.com
https://www.consumerfinance.gov/rules-policy/regulations/1026/interp-48/?utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review
{"at": "2026-10-29T08:49:29.019966+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "source_check": "[internal evidence reference]", "disposition": "fresh48_operative_via_eCFR_fresh_interp_navigation_only", "scope": "Complete48a–foperativeviaS009;freshinterp48returnednavigationonly,commentbodyunreopened;noquota/lawabsenceorvariantrecovery.", "selected_evidence_keys": ["SubpartF47_final_and48_complete"], "all_original_limits_retained": true}
R018-P1-S009 Saved research record

OFR/GPO eCFR, 12 CFR part 1026, Subpart F. https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-F

Recorded check status: fresh complete SubpartF operative checked no whole SupplementI

Exact body read / printed page / PDF index
Complete operative §§1026.46–.48, read across body windows; no claim to a complete eCFR Supplement I reading through this URL. HTML
Version, effective predicate, and read/currentness limit
E12. Page expressly describes eCFR as authoritative but unofficial; not an official annual edition. Same Regulation Z source family as S006–S008
Direct source URLs
https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-F
https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-F?utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review
{"at": "2026-10-29T08:49:29.019966+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "source_check": "[internal evidence reference]", "disposition": "fresh_complete_SubpartF_operative_checked_no_whole_SupplementI", "scope": "Entireoperative107–308unionread;noeCFRSupplementI/globalCFRorannualeditionread.10/23displayretained.", "selected_evidence_keys": ["SubpartF46_coverage_definition_form_timing", "SubpartF46_estimates_multiple_parties_subsequent_events", "SubpartF47_start", "SubpartF47_middle", "SubpartF47_final_and48_complete", "eCFR_currency_and_status"], "all_original_limits_retained": true}
R018-P1-S010 Saved research record

CFPB, Regulation Z scope, definitions, exemptions. https://www.consumerfinance.gov/rules-policy/regulations/1026/1/ ; https://www.consumerfinance.gov/rules-policy/regulations/1026/2/ ; https://www.consumerfinance.gov/rules-policy/regulations/1026/3/

Recorded check status: fresh selected businessday definition comments only

Exact body read / printed page / PDF index
§1(c)(1); §2(a)(3), (6), (10)–(14), (17)(i)/(v), (19)–(20), necessary comments; §3(a), (b)(1), (f), (g) and relevant comments. HTML
Version, effective predicate, and read/currentness limit
CZ. Necessary gateway/clock bodies read; not all mortgage/card/retirement-plan cross-references
Direct source URLs
https://www.consumerfinance.gov/rules-policy/regulations/1026/1/
https://www.consumerfinance.gov/rules-policy/regulations/1026/2/
https://www.consumerfinance.gov/rules-policy/regulations/1026/3/
https://www.consumerfinance.gov/rules-policy/regulations/1026/1/?utm_source=chatgpt.com
https://www.consumerfinance.gov/rules-policy/regulations/1026/2/?utm_source=chatgpt.com
https://www.consumerfinance.gov/rules-policy/regulations/1026/3/?utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review
{"at": "2026-10-29T08:49:29.019966+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "source_check": "[internal evidence reference]", "disposition": "fresh_selected_businessday_definition_comments_only", "scope": "2a6definition/comments132–140fresh;remaininggatewaycreditor/consumer/openend/exemptionsoriginalunreopened. Statutoryholidaylistnotverified.", "selected_evidence_keys": ["businessday_complete_definition_comments"], "all_original_limits_retained": true}
R018-P1-S011 Saved research record

CFPB/eCFR, §§1026.17–.18. https://www.consumerfinance.gov/rules-policy/regulations/1026/17/ ; https://www.consumerfinance.gov/rules-policy/regulations/1026/18/ ; https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-C/section-1026.18

Recorded check status: original attribution unreopened all limits retained

Exact body read / printed page / PDF index
§17(a), (b), (d), (e), relevant (f) and comments; complete §18(a)–(r) operative text, selected comments, mortgage (s)/(t) scope. HTML
Version, effective predicate, and read/currentness limit
CZ/E12. Not complete finance-charge/APR computation, all §18 commentary, or full interim-credit/mortgage analysis
Direct source URLs
https://www.consumerfinance.gov/rules-policy/regulations/1026/17/
https://www.consumerfinance.gov/rules-policy/regulations/1026/18/
https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-C/section-1026.18
https://www.consumerfinance.gov/rules-policy/regulations/1026/17/?utm_source=chatgpt.com
https://www.consumerfinance.gov/rules-policy/regulations/1026/18/?utm_source=chatgpt.com
https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-C/section-1026.18?utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review
{"at": "2026-10-29T08:49:29.019966+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "source_check": "[internal evidence reference]", "disposition": "original_attribution_unreopened_all_limits_retained", "scope": "Originalresearcherbody/statusrecordretained;nofreshmaterialbodyorversionacceptance. Allnested/history/pixel/pricing/aid/signature/currentness/applicationlimitsremain.", "selected_evidence_keys": [], "all_original_limits_retained": true}
R018-P1-S012 Saved research record

CFPB, §1026.23 — Right of rescission. https://www.consumerfinance.gov/rules-policy/regulations/1026/23/

Recorded check status: original attribution unreopened all limits retained

Exact body read / printed page / PDF index
§23(a)(1) and relevant introductory comments only. HTML
Version, effective predicate, and read/currentness limit
CZ. Read solely to distinguish principal-dwelling rescission; full exceptions, remedies, and history not audited
Direct source URLs
https://www.consumerfinance.gov/rules-policy/regulations/1026/23/
https://www.consumerfinance.gov/rules-policy/regulations/1026/23/?utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review
{"at": "2026-10-29T08:49:29.019966+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "source_check": "[internal evidence reference]", "disposition": "original_attribution_unreopened_all_limits_retained", "scope": "Originalresearcherbody/statusrecordretained;nofreshmaterialbodyorversionacceptance. Allnested/history/pixel/pricing/aid/signature/currentness/applicationlimitsremain.", "selected_evidence_keys": [], "all_original_limits_retained": true}
R018-P1-S013 Saved research record

US House OLRC, 20 U.S.C. §§1001–1002 — IHE definitions. https://uscode.house.gov/us/usc/119-121/t20/s1001/ ; https://uscode.house.gov/us/usc/119-120/t20/s1002/

Recorded check status: original attribution unreopened all limits retained

Exact body read / printed page / PDF index
Complete §1001(a)–(c), §1002(a)–(c), relevant effective note. HTML
Version, effective predicate, and read/currentness limit
§1001 U121; §1002 U120. Full numbered definitions read, but not every incorporated eligibility/program rule
Direct source URLs
https://uscode.house.gov/us/usc/119-121/t20/s1001/
https://uscode.house.gov/us/usc/119-120/t20/s1002/
https://uscode.house.gov/us/usc/119-121/t20/s1001/?utm_source=chatgpt.com
https://uscode.house.gov/us/usc/119-120/t20/s1002/?utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review
{"at": "2026-10-29T08:49:29.019966+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "source_check": "[internal evidence reference]", "disposition": "original_attribution_unreopened_all_limits_retained", "scope": "Originalresearcherbody/statusrecordretained;nofreshmaterialbodyorversionacceptance. Allnested/history/pixel/pricing/aid/signature/currentness/applicationlimitsremain.", "selected_evidence_keys": [], "all_original_limits_retained": true}
R018-P1-S014 Saved research record

ED/eCFR, 34 CFR §§600.2, .4, .5, .6. https://www.ecfr.gov/current/title-34/subtitle-B/chapter-VI/part-600/subpart-A/section-600.2 ; https://www.ecfr.gov/current/title-34/subtitle-B/chapter-VI/part-600/subpart-A/section-600.4 ; https://www.ecfr.gov/current/title-34/subtitle-B/chapter-VI/part-600/subpart-A/section-600.5 ; https://www.ecfr.gov/current/title-34/subtitle-B/chapter-VI/part-600/subpart-A/section-600.6

Recorded check status: original attribution unreopened all limits retained

Exact body read / printed page / PDF index
§600.2 selected educational-program, eligible-institution, nonprofit (1)–(4), regular-student, recognized-occupation definitions; complete .4(a)–(c), .5(a)–(e), .6(a)–(d). HTML
Version, effective predicate, and read/currentness limit
E34. State authorization, program, accreditation, and foreign-school cross-references not comprehensively followed
Direct source URLs
https://www.ecfr.gov/current/title-34/subtitle-B/chapter-VI/part-600/subpart-A/section-600.2
https://www.ecfr.gov/current/title-34/subtitle-B/chapter-VI/part-600/subpart-A/section-600.4
https://www.ecfr.gov/current/title-34/subtitle-B/chapter-VI/part-600/subpart-A/section-600.5
https://www.ecfr.gov/current/title-34/subtitle-B/chapter-VI/part-600/subpart-A/section-600.6
https://www.ecfr.gov/current/title-34/subtitle-B/chapter-VI/part-600/subpart-A/section-600.2?utm_source=chatgpt.com
https://www.ecfr.gov/current/title-34/subtitle-B/chapter-VI/part-600/subpart-A/section-600.4?utm_source=chatgpt.com
https://www.ecfr.gov/current/title-34/subtitle-B/chapter-VI/part-600/subpart-A/section-600.5?utm_source=chatgpt.com
https://www.ecfr.gov/current/title-34/subtitle-B/chapter-VI/part-600/subpart-A/section-600.6?utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review
{"at": "2026-10-29T08:49:29.019966+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "source_check": "[internal evidence reference]", "disposition": "original_attribution_unreopened_all_limits_retained", "scope": "Originalresearcherbody/statusrecordretained;nofreshmaterialbodyorversionacceptance. Allnested/history/pixel/pricing/aid/signature/currentness/applicationlimitsremain.", "selected_evidence_keys": [], "all_original_limits_retained": true}
R018-P1-S015 Saved research record

US House OLRC, 26 U.S.C. §501 — Exemption from tax. https://uscode.house.gov/us/usc/119-121/t26/s501/

Recorded check status: original attribution unreopened all limits retained

Exact body read / printed page / PDF index
(a), (b), and (c)(3). HTML
Version, effective predicate, and read/currentness limit
U121. Limited nonprofit-definition cross-reference; no tax-status lookup, §221 classification, or complete tax analysis
Direct source URLs
https://uscode.house.gov/us/usc/119-121/t26/s501/
https://uscode.house.gov/us/usc/119-121/t26/s501/?utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review
{"at": "2026-10-29T08:49:29.019966+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "source_check": "[internal evidence reference]", "disposition": "original_attribution_unreopened_all_limits_retained", "scope": "Originalresearcherbody/statusrecordretained;nofreshmaterialbodyorversionacceptance. Allnested/history/pixel/pricing/aid/signature/currentness/applicationlimitsremain.", "selected_evidence_keys": [], "all_original_limits_retained": true}
R018-P1-S016 Saved research record

US House OLRC, 20 U.S.C. §1087ll — Cost of attendance. https://uscode.house.gov/us/usc/119-121/t20/s1087ll/

Recorded check status: fresh selected COA fee clause and notes only

Exact body read / printed page / PDF index
Complete (a)(1)–(14), (b), (c), and relevant amendment/effective notes. HTML
Version, effective predicate, and read/currentness limit
U121. Updated COA language read; older Reg Z loan-fee illustration remains a bounded integration issue
Direct source URLs
https://uscode.house.gov/us/usc/119-121/t20/s1087ll/
https://uscode.house.gov/us/usc/119-121/t20/s1087ll/?utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review
{"at": "2026-10-29T08:49:29.019966+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "source_check": "[internal evidence reference]", "disposition": "fresh_selected_COA_fee_clause_and_notes_only", "scope": "Currenta13federalloanfeequalification/nearbya10–14andb/c/notes;earliercategoriesnotfreshlycompleted;olderRegZfeecrossreferenceintegrationheld.", "selected_evidence_keys": ["COA_federal_loan_fee_and_later_notes"], "all_original_limits_retained": true}
R018-P1-S017 Saved research record

US House OLRC, 20 U.S.C. §1019 — Definitions. https://uscode.house.gov/us/usc/119-120/t20/s1019/

Recorded check status: original attribution unreopened all limits retained

Exact body read / printed page / PDF index
Complete numbered definitions (1)–(9), especially institution-affiliated organization and preferred-lender arrangement. HTML
Version, effective predicate, and read/currentness limit
U120. No actual arrangement/entity inquiry
Direct source URLs
https://uscode.house.gov/us/usc/119-120/t20/s1019/
https://uscode.house.gov/us/usc/119-120/t20/s1019/?utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review
{"at": "2026-10-29T08:49:29.019966+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "source_check": "[internal evidence reference]", "disposition": "original_attribution_unreopened_all_limits_retained", "scope": "Originalresearcherbody/statusrecordretained;nofreshmaterialbodyorversionacceptance. Allnested/history/pixel/pricing/aid/signature/currentness/applicationlimitsremain.", "selected_evidence_keys": [], "all_original_limits_retained": true}
R018-P1-S018 Saved research record

US House OLRC, 20 U.S.C. §1019d — Self-certification form for private education loans. https://uscode.house.gov/us/usc/119-118/t20/s1019d/

Recorded check status: fresh selected current SAI form elements notes only

Exact body read / printed page / PDF index
Entire (a)–(b) and relevant notes; reliance principally (a)(1)–(5). HTML
Version, effective predicate, and read/currentness limit
U120. Current SAI wording distinguished from older blank form; no actual remedy conclusion from subsection (b)
Direct source URLs
https://uscode.house.gov/us/usc/119-118/t20/s1019d/
https://uscode.house.gov/us/usc/119-118/t20/s1019d/?utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review
{"at": "2026-10-29T08:49:29.019966+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "source_check": "[internal evidence reference]", "disposition": "fresh_selected_current_SAI_form_elements_notes_only", "scope": "a2–5andbcurrentSAIdifference/signatureselected;openingSecretarydutynotreturned,furtherinstitution/implementationsystemheld.", "selected_evidence_keys": ["1019d_current_SAI_form_elements_notes"], "all_original_limits_retained": true}
R018-P1-S019 Saved research record

US House OLRC, 20 U.S.C. §1094 — Program participation agreements. https://uscode.house.gov/us/usc/119-121/t20/s1094/

Recorded check status: original attribution unreopened all limits retained

Exact body read / printed page / PDF index
Subsection (a) opening and full (a)(28). HTML
Version, effective predicate, and read/currentness limit
U121. No complete participation-agreement, school eligibility, or aid administration audit
Direct source URLs
https://uscode.house.gov/us/usc/119-121/t20/s1094/
https://uscode.house.gov/us/usc/119-121/t20/s1094/?utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review
{"at": "2026-10-29T08:49:29.019966+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "source_check": "[internal evidence reference]", "disposition": "original_attribution_unreopened_all_limits_retained", "scope": "Originalresearcherbody/statusrecordretained;nofreshmaterialbodyorversionacceptance. Allnested/history/pixel/pricing/aid/signature/currentness/applicationlimitsremain.", "selected_evidence_keys": [], "all_original_limits_retained": true}
R018-P1-S020 Saved research record

ED/eCFR, 34 CFR §§601.11, 668.14. https://www.ecfr.gov/current/title-34/subtitle-B/chapter-VI/part-601/subpart-B/section-601.11 ; https://www.ecfr.gov/current/title-34/subtitle-B/chapter-VI/part-668/subpart-B/section-668.14

Recorded check status: original attribution unreopened all limits retained

Exact body read / printed page / PDF index
Complete §601.11(a)–(d); full §668.14(b)(29). HTML
Version, effective predicate, and read/currentness limit
E34. Whole-page future-rule notice not treated as proof of a change to these particular clauses; broader preferred-lender/participation duties held
Direct source URLs
https://www.ecfr.gov/current/title-34/subtitle-B/chapter-VI/part-601/subpart-B/section-601.11
https://www.ecfr.gov/current/title-34/subtitle-B/chapter-VI/part-668/subpart-B/section-668.14
https://www.ecfr.gov/current/title-34/subtitle-B/chapter-VI/part-601/subpart-B/section-601.11?utm_source=chatgpt.com
https://www.ecfr.gov/current/title-34/subtitle-B/chapter-VI/part-668/subpart-B/section-668.14?utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review
{"at": "2026-10-29T08:49:29.019966+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "source_check": "[internal evidence reference]", "disposition": "original_attribution_unreopened_all_limits_retained", "scope": "Originalresearcherbody/statusrecordretained;nofreshmaterialbodyorversionacceptance. Allnested/history/pixel/pricing/aid/signature/currentness/applicationlimitsremain.", "selected_evidence_keys": [], "all_original_limits_retained": true}
R018-P1-S021 Saved research record

US House OLRC, 15 U.S.C. §7001 — E-Sign general validity rule. https://uscode.house.gov/us/usc/119-121/t15/s7001/

Recorded check status: original ESIGN body attribution prior known failure held

Exact body read / printed page / PDF index
(a)–(c) complete; relevant retention/original provisions (d)–(e), effective notes. HTML
Version, effective predicate, and read/currentness limit
U121. General effective date October 1, 2000; specified retention-related transitions separately noted in body. No actual consent/signature audit
Direct source URLs
https://uscode.house.gov/us/usc/119-121/t15/s7001/
https://uscode.house.gov/us/usc/119-121/t15/s7001/?utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review
{"at": "2026-10-29T08:49:29.019966+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "source_check": "[internal evidence reference]", "disposition": "original_ESIGN_body_attribution_prior_known_failure_held", "scope": "119-1217001priorprogramfailedoperationprotected;norequest/currentbodyacceptancehere.Originalcconsent/retention/invalidationlimitsretained.", "selected_evidence_keys": [], "all_original_limits_retained": true}
R018-P1-S022 Saved research record

US House OLRC, 5 U.S.C. §6103 — Holidays. https://uscode.house.gov/us/usc/119-118/t5/s6103/

Recorded check status: fresh find404 prior same URL open404 attributed holiday list unverified

Exact body read / printed page / PDF index
(a)–(d), especially complete (a) holiday list. HTML
Version, effective predicate, and read/currentness limit
U120. Actual legal-holiday list, not an assumed business calendar
Direct source URLs
https://uscode.house.gov/us/usc/119-118/t5/s6103/
https://uscode.house.gov/us/usc/119-118/t5/s6103/?utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review
{"at": "2026-10-29T08:49:29.019966+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "source_check": "[internal evidence reference]", "disposition": "fresh_find404_prior_same_URL_open404_attributed_holiday_list_unverified", "scope": "OwnfindJuneteenth404once;rootprovidesIA12earlieropen404sameURL.Distinctoperations,notnewuniqueURLfailureorrecovery;originalholidaylistunreopened.", "selected_evidence_keys": [], "all_original_limits_retained": true}
R018-P1-S023 Saved research record

US House OLRC, 15 U.S.C. §1681a — Definitions; rules of construction. https://uscode.house.gov/us/usc/119-121/t15/s1681a/

Recorded check status: original attribution unreopened all limits retained

Exact body read / printed page / PDF index
Complete (l)(1)–(3), firm offer of credit/insurance. HTML
Version, effective predicate, and read/currentness limit
U121. Necessary solicitation cross-reference only; no consumer-report or prescreening inquiry
Direct source URLs
https://uscode.house.gov/us/usc/119-121/t15/s1681a/
https://uscode.house.gov/us/usc/119-121/t15/s1681a/?utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review
{"at": "2026-10-29T08:49:29.019966+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "source_check": "[internal evidence reference]", "disposition": "original_attribution_unreopened_all_limits_retained", "scope": "Originalresearcherbody/statusrecordretained;nofreshmaterialbodyorversionacceptance. Allnested/history/pixel/pricing/aid/signature/currentness/applicationlimitsremain.", "selected_evidence_keys": [], "all_original_limits_retained": true}
R018-P1-S024 Saved research record

Federal Reserve Board, Truth in Lending, final rule and official staff commentary, 74 FR 41194–41257, August 14, 2009. https://www.govinfo.gov/content/pkg/FR-2009-08-14/html/E9-18548.htm ; https://www.govinfo.gov/content/pkg/FR-2009-08-14/pdf/E9-18548.pdf ; issuance/discovery page https://www.federalreserve.gov/newsevents/pressreleases/bcreg20090730a.htm

Recorded check status: original attribution unreopened all limits retained

Exact body read / printed page / PDF index
Material portions: 41194/PDF0 dates; 41198/4 business days; 41201–02/7–8 creditor/institution exceptions; 41208/14 timing; 41215–16/21–22 selected alternatives; 41221–22/27–28 final timing/content; 41226–28/32–34 selected cancellation/self-certification/effectivity; 41248/54 complete transition comments
Version, effective predicate, and read/currentness limit
Historical final rule. Effective September 14, 2009; mandatory predicates detailed in C082. Selected body read, not all 64 PDF pages. Preamble distinguished from codified rule
Direct source URLs
https://www.govinfo.gov/content/pkg/FR-2009-08-14/html/E9-18548.htm
https://www.govinfo.gov/content/pkg/FR-2009-08-14/pdf/E9-18548.pdf
https://www.federalreserve.gov/newsevents/pressreleases/bcreg20090730a.htm
https://www.govinfo.gov/content/pkg/FR-2009-08-14/html/E9-18548.htm?utm_source=chatgpt.com
https://www.govinfo.gov/content/pkg/FR-2009-08-14/pdf/E9-18548.pdf?utm_source=chatgpt.com
https://www.federalreserve.gov/newsevents/pressreleases/bcreg20090730a.htm?utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review
{"at": "2026-10-29T08:49:29.019966+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "source_check": "[internal evidence reference]", "disposition": "original_attribution_unreopened_all_limits_retained", "scope": "Originalresearcherbody/statusrecordretained;nofreshmaterialbodyorversionacceptance. Allnested/history/pixel/pricing/aid/signature/currentness/applicationlimitsremain.", "selected_evidence_keys": [], "all_original_limits_retained": true}
R018-P1-S025 Saved research record

CFPB, Truth in Lending (Regulation Z), interim final rule, 76 FR 79768, December 22, 2011. https://www.federalregister.gov/documents/2011/12/22/2011-31715/truth-in-lending-regulation-z ; attempted PDF https://www.govinfo.gov/content/pkg/FR-2011-12-22/pdf/2011-31715.pdf

Recorded check status: original attribution unreopened all limits retained

Exact body read / printed page / PDF index
HTML dates, summary, §§I and II.A–B; printed opening pp. 79768–79769. PDF body retrieval failed because file exceeded retrieval size; PDF indices not verified
Version, effective predicate, and read/currentness limit
Historical interim final rule, effective December 30, 2011. No claim to reading the complete republication
Direct source URLs
https://www.federalregister.gov/documents/2011/12/22/2011-31715/truth-in-lending-regulation-z
https://www.govinfo.gov/content/pkg/FR-2011-12-22/pdf/2011-31715.pdf
https://www.federalregister.gov/documents/2011/12/22/2011-31715/truth-in-lending-regulation-z?utm_source=chatgpt.com
https://www.govinfo.gov/content/pkg/FR-2011-12-22/pdf/2011-31715.pdf?utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review
{"at": "2026-10-29T08:49:29.019966+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "source_check": "[internal evidence reference]", "disposition": "original_attribution_unreopened_all_limits_retained", "scope": "Originalresearcherbody/statusrecordretained;nofreshmaterialbodyorversionacceptance. Allnested/history/pixel/pricing/aid/signature/currentness/applicationlimitsremain.", "selected_evidence_keys": [], "all_original_limits_retained": true}
R018-P1-S026 Saved research record

CFPB, Appendix H; official G/H and H interpretations. https://www.consumerfinance.gov/rules-policy/regulations/1026/h/ ; https://www.consumerfinance.gov/rules-policy/regulations/1026/interp-gh/

Recorded check status: original attribution unreopened all limits retained

Exact body read / printed page / PDF index
Appendix H comment 25(i)–(vi), comments 26–28; G/H comments 1–2; current H-18–H-23 labels/placeholders. HTML
Version, effective predicate, and read/currentness limit
CZ. Applicable instructions read; current embedded model pixels not inspected
Direct source URLs
https://www.consumerfinance.gov/rules-policy/regulations/1026/h/
https://www.consumerfinance.gov/rules-policy/regulations/1026/interp-gh/
https://www.consumerfinance.gov/rules-policy/regulations/1026/h/?utm_source=chatgpt.com
https://www.consumerfinance.gov/rules-policy/regulations/1026/interp-gh/?utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review
{"at": "2026-10-29T08:49:29.019966+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "source_check": "[internal evidence reference]", "disposition": "original_attribution_unreopened_all_limits_retained", "scope": "Originalresearcherbody/statusrecordretained;nofreshmaterialbodyorversionacceptance. Allnested/history/pixel/pricing/aid/signature/currentness/applicationlimitsremain.", "selected_evidence_keys": [], "all_original_limits_retained": true}
R018-P1-S027 Saved research record

Federal Reserve Board, H-18, H-19, H-20 model disclosures, issued with July 30, 2009 release. H-18 https://www.federalreserve.gov/newsevents/pressreleases/files/bcreg20090730a3.pdf ; H-19 https://www.federalreserve.gov/newsevents/pressreleases/files/bcreg20090730a4.pdf ; H-20 https://www.federalreserve.gov/newsevents/pressreleases/files/bcreg20090730a5.pdf

Recorded check status: original attribution unreopened all limits retained

Exact body read / printed page / PDF index
All parsed text, both document pages/PDF indices 0–1 of each; extracted lines approximately 0–87, 0–131, 0–115 respectively
Version, effective predicate, and read/currentness limit
Historical official models. Image attempts for all six pages supplied no inspectable pixels. Current visual identity/full-form compliance not established
Direct source URLs
https://www.federalreserve.gov/newsevents/pressreleases/files/bcreg20090730a3.pdf
https://www.federalreserve.gov/newsevents/pressreleases/files/bcreg20090730a4.pdf
https://www.federalreserve.gov/newsevents/pressreleases/files/bcreg20090730a5.pdf
https://www.federalreserve.gov/newsevents/pressreleases/files/bcreg20090730a3.pdf?utm_source=chatgpt.com
https://www.federalreserve.gov/newsevents/pressreleases/files/bcreg20090730a4.pdf?utm_source=chatgpt.com
https://www.federalreserve.gov/newsevents/pressreleases/files/bcreg20090730a5.pdf?utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review
{"at": "2026-10-29T08:49:29.019966+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "source_check": "[internal evidence reference]", "disposition": "original_attribution_unreopened_all_limits_retained", "scope": "Originalresearcherbody/statusrecordretained;nofreshmaterialbodyorversionacceptance. Allnested/history/pixel/pricing/aid/signature/currentness/applicationlimitsremain.", "selected_evidence_keys": [], "all_original_limits_retained": true}
R018-P1-S028 Saved research record

Federal Reserve Board, H-21, H-22, H-23 samples. H-21 https://www.federalreserve.gov/newsevents/pressreleases/files/bcreg20090730a6.pdf ; H-22 https://www.federalreserve.gov/newsevents/pressreleases/files/bcreg20090730a7.pdf ; H-23 https://www.federalreserve.gov/newsevents/pressreleases/files/bcreg20090730a8.pdf

Recorded check status: original attribution unreopened all limits retained

Exact body read / printed page / PDF index
All parsed text, both pages/PDF 0–1 of each; approximately 111, 142, 126 extracted lines. H-23 conflict specifically page0 versus page1/line112
Version, effective predicate, and read/currentness limit
Historical official samples. No image inspection or current-rate inference; no sample identifiers reused
Direct source URLs
https://www.federalreserve.gov/newsevents/pressreleases/files/bcreg20090730a6.pdf
https://www.federalreserve.gov/newsevents/pressreleases/files/bcreg20090730a7.pdf
https://www.federalreserve.gov/newsevents/pressreleases/files/bcreg20090730a8.pdf
https://www.federalreserve.gov/newsevents/pressreleases/files/bcreg20090730a6.pdf?utm_source=chatgpt.com
https://www.federalreserve.gov/newsevents/pressreleases/files/bcreg20090730a7.pdf?utm_source=chatgpt.com
https://www.federalreserve.gov/newsevents/pressreleases/files/bcreg20090730a8.pdf?utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review
{"at": "2026-10-29T08:49:29.019966+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "source_check": "[internal evidence reference]", "disposition": "original_attribution_unreopened_all_limits_retained", "scope": "Originalresearcherbody/statusrecordretained;nofreshmaterialbodyorversionacceptance. Allnested/history/pixel/pricing/aid/signature/currentness/applicationlimitsremain.", "selected_evidence_keys": [], "all_original_limits_retained": true}
R018-P1-S029 Saved research record

ED/FSA, Private Education Loan Applicant Self-Certification. https://fsapartners.ed.gov/sites/default/files/2023-06/H450PrivateEducationLoanApplicantSelfCertificationForm.pdf

Recorded check status: fresh complete blank ED form parsed checked no pixels OMB held

Exact body read / printed page / PDF index
Full parsed two-page form, sections 1–6, PDF indices 0–1; approximately 69 extracted lines
Version, effective predicate, and read/currentness limit
Linked 2023 form; printed expiration August 31, 2025. Both page-image attempts unsuccessful. Current OMB approval and replacement status unresolved
Direct source URLs
https://fsapartners.ed.gov/sites/default/files/2023-06/H450PrivateEducationLoanApplicantSelfCertificationForm.pdf
https://fsapartners.ed.gov/sites/default/files/2023-06/H450PrivateEducationLoanApplicantSelfCertificationForm.pdf?utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review
{"at": "2026-10-29T08:49:29.019966+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "source_check": "[internal evidence reference]", "disposition": "fresh_complete_blank_ED_form_parsed_checked_no_pixels_OMB_held", "scope": "All69parsedlines/twopagesreadincluding2025expiry/EFC/aidformula/prior-disbursementintro;nofill/pixels/currentOMBreapprovaloractualformcompliance.", "selected_evidence_keys": ["ED_form_early", "ED_form_tail"], "all_original_limits_retained": true}
R018-P1-S030 Saved research record

ED/FSA, Private Education Loans Form and Topics Page, July 6, 2023, GENERAL-23-55; current topic page. https://fsapartners.ed.gov/knowledge-center/library/electronic-announcements/2023-07-06/private-education-loans-form-and-topics-page ; https://fsapartners.ed.gov/knowledge-center/topics/private-education-loan-information

Recorded check status: original attribution unreopened all limits retained

Exact body read / printed page / PDF index
Complete short announcement and topic/link page
Version, effective predicate, and read/currentness limit
Official announcement/resource guidance. Establishes the located link path, not current OMB approval or statutory amendment
Direct source URLs
https://fsapartners.ed.gov/knowledge-center/library/electronic-announcements/2023-07-06/private-education-loans-form-and-topics-page
https://fsapartners.ed.gov/knowledge-center/topics/private-education-loan-information
https://fsapartners.ed.gov/knowledge-center/library/electronic-announcements/2023-07-06/private-education-loans-form-and-topics-page?utm_source=chatgpt.com
https://fsapartners.ed.gov/knowledge-center/topics/private-education-loan-information?utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review
{"at": "2026-10-29T08:49:29.019966+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "source_check": "[internal evidence reference]", "disposition": "original_attribution_unreopened_all_limits_retained", "scope": "Originalresearcherbody/statusrecordretained;nofreshmaterialbodyorversionacceptance. Allnested/history/pixel/pricing/aid/signature/currentness/applicationlimitsremain.", "selected_evidence_keys": [], "all_original_limits_retained": true}
R018-P1-S031 Saved research record

ED/FSA, 2026–2027 FSA Handbook, Volume 2, Chapter 6 — Consumer Information and School Reporting. https://fsapartners.ed.gov/knowledge-center/fsa-handbook/2026-2027/vol2/ch6-consumer-information-and-school-reporting

Recorded check status: fresh selected 2026 27 handbook selfcert instructions

Exact body read / printed page / PDF index
Private Education Loans/self-certification section, retrieved text around lines 986–1051 and related continuation; not entire chapter
Version, effective predicate, and read/currentness limit
2026–27 guidance edition. Read instructions and current form-link route; not legislative or full program-compliance authority
Direct source URLs
https://fsapartners.ed.gov/knowledge-center/fsa-handbook/2026-2027/vol2/ch6-consumer-information-and-school-reporting
https://fsapartners.ed.gov/knowledge-center/fsa-handbook/2026-2027/vol2/ch6-consumer-information-and-school-reporting?utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review
{"at": "2026-10-29T08:49:29.019966+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "source_check": "[internal evidence reference]", "disposition": "fresh_selected_2026_27_handbook_selfcert_instructions", "scope": "1015–1047selectedOFA/SAI/sameperiod/excludescertifiedloan/presentationrestrictions;noentirechapter/currentapprovedformornewISAclassification.", "selected_evidence_keys": ["handbook_selfcert_and_form_instructions"], "all_original_limits_retained": true}
R018-P1-S032 Saved research record

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

Recorded check status: explicit dated positive withdrawal entry reused only

Exact body read / printed page / PDF index
Relevant December 2020 private-education-loan advisory entry, 85 FR 79400, and status
Version, effective predicate, and read/currentness limit
Publisher withdrawal status, checked October 27, 2026. Underlying advisory not used as operative foundation
Direct source URLs
https://www.consumerfinance.gov/compliance/guidance/withdrawn-guidance/
https://www.consumerfinance.gov/compliance/guidance/withdrawn-guidance/?utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review
{"at": "2026-10-29T08:49:29.019966+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "source_check": "[internal evidence reference]", "disposition": "explicit_dated_positive_withdrawal_entry_reused_only", "scope": "R003sameprogramgenericbyteexactpacket4onlyL54–56positiveprivate-education2020advisorywithdrawalMay12,2025;notfreshregister/allpublication/merits.", "selected_evidence_keys": [], "all_original_limits_retained": true}
R018-P1-S033 Saved research record

CFPB, Interpretive Rules, Policy Statements, and Advisory Opinions; Withdrawal, May 12, 2025, 90 FR 20084–20087. https://www.federalregister.gov/documents/2025/05/12/2025-08286/interpretive-rules-policy-statements-and-advisory-opinions-withdrawal ; https://www.govinfo.gov/content/pkg/FR-2025-05-12/pdf/2025-08286.pdf

Recorded check status: original attribution unreopened all limits retained

Exact body read / printed page / PDF index
CFPB summary/dates/relevant analysis and withdrawal list; effective-date text p.20084/PDF0; Part III item13 p.20086/PDF2. Unrelated material on first PDF page not relied on
Version, effective predicate, and read/currentness limit
Withdrawal effective May 12, 2025. Status of the identified advisory verified; not a repeal of statute/regulation or a full litigation-history audit
Direct source URLs
https://www.federalregister.gov/documents/2025/05/12/2025-08286/interpretive-rules-policy-statements-and-advisory-opinions-withdrawal
https://www.govinfo.gov/content/pkg/FR-2025-05-12/pdf/2025-08286.pdf
https://www.federalregister.gov/documents/2025/05/12/2025-08286/interpretive-rules-policy-statements-and-advisory-opinions-withdrawal?utm_source=chatgpt.com
https://www.govinfo.gov/content/pkg/FR-2025-05-12/pdf/2025-08286.pdf?utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review
{"at": "2026-10-29T08:49:29.019966+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "source_check": "[internal evidence reference]", "disposition": "original_attribution_unreopened_all_limits_retained", "scope": "Originalresearcherbody/statusrecordretained;nofreshmaterialbodyorversionacceptance. Allnested/history/pixel/pricing/aid/signature/currentness/applicationlimitsremain.", "selected_evidence_keys": [], "all_original_limits_retained": true}

What was examined—and what is still missing

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

coverage-1 Saved research record

Complete statutory private-loan definition

Recorded check status: recorded; no individual primary acceptance inferred

Coverage status
Answered
Claim/example links
C001–C002; E01–E04
Exact missing authority or facts
Actual statutory actor/product facts held
Next bounded permissible investigation
None needed for the stated generic definition

Recorded coordinator check boundaries

coordinator acceptance
scoped_partial_not_accepted
coordinator review
{"at": "2026-10-29T08:49:29.019966+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "coverage_reconciliation": "[internal evidence reference]", "row": 1, "all_original_missing_evidence_retained": true, "parent_or_publication_acceptance": false}
coverage-2 Saved research record

Regulatory creditor conditions and regularity

Recorded check status: recorded; no individual primary acceptance inferred

Coverage status
Answered, bounded
Claim/example links
C002–C004; E07, E24
Exact missing authority or facts
Actual extension counts, finance charge, installments, initial payee; full bank/credit-union charter definitions
Next bounded permissible investigation
If necessary, read generic 12 U.S.C. §§1813/1752 definitions; no entity lookup

Recorded coordinator check boundaries

coordinator acceptance
scoped_partial_not_accepted
coordinator review
{"at": "2026-10-29T08:49:29.019966+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "coverage_reconciliation": "[internal evidence reference]", "row": 2, "all_original_missing_evidence_retained": true, "parent_or_publication_acceptance": false}
coverage-3 Saved research record

Consumer, borrower, student, guarantor distinctions

Recorded check status: recorded; no individual primary acceptance inferred

Coverage status
Answered
Claim/example links
C004, C063; E15
Exact missing authority or facts
Actual contractual roles and authority
Next bounded permissible investigation
Generic published contract-language comparison only

Recorded coordinator check boundaries

coordinator acceptance
scoped_partial_not_accepted
coordinator review
{"at": "2026-10-29T08:49:29.019966+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "coverage_reconciliation": "[internal evidence reference]", "row": 3, "all_original_missing_evidence_retained": true, "parent_or_publication_acceptance": false}
coverage-4 Saved research record

Covered institution versus IHE

Recorded check status: recorded; no individual primary acceptance inferred

Coverage status
Partial
Claim/example links
C005–C006, C069
Exact missing authority or facts
Detailed §600.9, §668.8, accreditation and foreign-school cross-references
Next bounded permissible investigation
Read only the specific generic subdefinition necessary for a further classification question

Recorded coordinator check boundaries

coordinator acceptance
scoped_partial_not_accepted
coordinator review
{"at": "2026-10-29T08:49:29.019966+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "coverage_reconciliation": "[internal evidence reference]", "row": 4, "all_original_missing_evidence_retained": true, "parent_or_publication_acceptance": false}
coverage-5 Saved research record

Tax-definition cross-reference

Recorded check status: recorded; no individual primary acceptance inferred

Coverage status
Answered to necessary extent
Claim/example links
C006; S015
Exact missing authority or facts
Further §501 exceptions and any tax-qualified-loan issue
Next bounded permissible investigation
Separate tax component if needed; no status lookup

Recorded coordinator check boundaries

coordinator acceptance
scoped_partial_not_accepted
coordinator review
{"at": "2026-10-29T08:49:29.019966+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "coverage_reconciliation": "[internal evidence reference]", "row": 5, "all_original_missing_evidence_retained": true, "parent_or_publication_acceptance": false}
coverage-6 Saved research record

Postsecondary expenses and COA

Recorded check status: recorded; no individual primary acceptance inferred

Coverage status
Answered with narrow gap
Claim/example links
C007–C008; E17
Exact missing authority or facts
Actual expense/enrollment facts; integration of revised federal-fee wording
Next bounded permissible investigation
Official amendment/interpretation addressing the fee cross-reference

Recorded coordinator check boundaries

coordinator acceptance
scoped_partial_not_accepted
coordinator review
{"at": "2026-10-29T08:49:29.019966+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "coverage_reconciliation": "[internal evidence reference]", "row": 6, "all_original_missing_evidence_retained": true, "parent_or_publication_acceptance": false}
coverage-7 Saved research record

Title IV exclusion

Recorded check status: recorded; no individual primary acceptance inferred

Coverage status
Answered
Claim/example links
C009; E01
Exact missing authority or facts
Actual program basis
Next bounded permissible investigation
No ED collection research; generic program authority only if classification requires it

Recorded coordinator check boundaries

coordinator acceptance
scoped_partial_not_accepted
coordinator review
{"at": "2026-10-29T08:49:29.019966+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "coverage_reconciliation": "[internal evidence reference]", "row": 7, "all_original_missing_evidence_retained": true, "parent_or_publication_acceptance": false}
coverage-8 Saved research record

Other-purpose/unknown-purpose credit

Recorded check status: recorded; no individual primary acceptance inferred

Coverage status
Answered as unresolved classification
Claim/example links
C004, C014, C017; E02
Exact missing authority or facts
Express purpose and contract
Next bounded permissible investigation
No actual fact investigation in this component

Recorded coordinator check boundaries

coordinator acceptance
scoped_partial_not_accepted
coordinator review
{"at": "2026-10-29T08:49:29.019966+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "coverage_reconciliation": "[internal evidence reference]", "row": 8, "all_original_missing_evidence_retained": true, "parent_or_publication_acceptance": false}
coverage-9 Saved research record

Open-end exclusion

Recorded check status: recorded; no individual primary acceptance inferred

Coverage status
Answered
Claim/example links
C010; E03
Exact missing authority or facts
Actual replenishment/repeated-transaction terms
Next bounded permissible investigation
Generic contract structure only

Recorded coordinator check boundaries

coordinator acceptance
scoped_partial_not_accepted
coordinator review
{"at": "2026-10-29T08:49:29.019966+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "coverage_reconciliation": "[internal evidence reference]", "row": 9, "all_original_missing_evidence_retained": true, "parent_or_publication_acceptance": false}
coverage-10 Saved research record

Real-property/dwelling security exclusion

Recorded check status: recorded; no individual primary acceptance inferred

Coverage status
Answered
Claim/example links
C010, C042; E04
Exact missing authority or facts
Actual collateral terms
Next bounded permissible investigation
No property query; separate generic secured-credit analysis if needed

Recorded coordinator check boundaries

coordinator acceptance
scoped_partial_not_accepted
coordinator review
{"at": "2026-10-29T08:49:29.019966+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "coverage_reconciliation": "[internal evidence reference]", "row": 10, "all_original_missing_evidence_retained": true, "parent_or_publication_acceptance": false}
coverage-11 Saved research record

Institutional ≤90-day credit

Recorded check status: recorded; no individual primary acceptance inferred

Coverage status
Answered
Claim/example links
C011, C013; E05
Exact missing authority or facts
Institution-as-creditor and actual term
Next bounded permissible investigation
None needed for generic rule

Recorded coordinator check boundaries

coordinator acceptance
scoped_partial_not_accepted
coordinator review
{"at": "2026-10-29T08:49:29.019966+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "coverage_reconciliation": "[internal evidence reference]", "row": 11, "all_original_missing_evidence_retained": true, "parent_or_publication_acceptance": false}
coverage-12 Saved research record

Institutional ≤1-year/no-interest plan

Recorded check status: recorded; no individual primary acceptance inferred

Coverage status
Answered
Claim/example links
C012–C013; E06–E07
Exact missing authority or facts
Interest, term, fee, installment, creditor facts
Next bounded permissible investigation
Generic plan terms only; ordinary TILA questions remain separate

Recorded coordinator check boundaries

coordinator acceptance
scoped_partial_not_accepted
coordinator review
{"at": "2026-10-29T08:49:29.019966+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "coverage_reconciliation": "[internal evidence reference]", "row": 12, "all_original_missing_evidence_retained": true, "parent_or_publication_acceptance": false}
coverage-13 Saved research record

Tuition arrears/receivables

Recorded check status: recorded; no individual primary acceptance inferred

Coverage status
Partial; parent preserved
Claim/example links
C004, C017; E24
Exact missing authority or facts
Right to defer and full obligation structure
Next bounded permissible investigation
Separate generic tuition-receivable classification component

Recorded coordinator check boundaries

coordinator acceptance
scoped_partial_not_accepted
coordinator review
{"at": "2026-10-29T08:49:29.019966+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "coverage_reconciliation": "[internal evidence reference]", "row": 13, "all_original_missing_evidence_retained": true, "parent_or_publication_acceptance": false}
coverage-14 Saved research record

Unknown ISA/scholarship/overpayment

Recorded check status: recorded; no individual primary acceptance inferred

Coverage status
Unresolved; parent preserved
Claim/example links
C017; E22
Exact missing authority or facts
Operative contractual/legal features
Next bounded permissible investigation
Separate public-authority/generic-contract component without identifiers

Recorded coordinator check boundaries

coordinator acceptance
scoped_partial_not_accepted
coordinator review
{"at": "2026-10-29T08:49:29.019966+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "coverage_reconciliation": "[internal evidence reference]", "row": 14, "all_original_missing_evidence_retained": true, "parent_or_publication_acceptance": false}
coverage-15 Saved research record

Mixed-purpose loans

Recorded check status: recorded; no individual primary acceptance inferred

Coverage status
Answered
Claim/example links
C014; E02
Exact missing authority or facts
Actual express-use indication
Next bounded permissible investigation
None needed for generic rule

Recorded coordinator check boundaries

coordinator acceptance
scoped_partial_not_accepted
coordinator review
{"at": "2026-10-29T08:49:29.019966+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "coverage_reconciliation": "[internal evidence reference]", "row": 15, "all_original_missing_evidence_retained": true, "parent_or_publication_acceptance": false}
coverage-16 Saved research record

Private consolidation/optional postgraduate loans

Recorded check status: recorded; no individual primary acceptance inferred

Coverage status
Answered, bounded
Claim/example links
C015–C016
Exact missing authority or facts
Actual underlying loan and expense categories; federal refinancing not resolved
Next bounded permissible investigation
Separate generic refinancing classification if authorized

Recorded coordinator check boundaries

coordinator acceptance
scoped_partial_not_accepted
coordinator review
{"at": "2026-10-29T08:49:29.019966+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "coverage_reconciliation": "[internal evidence reference]", "row": 16, "all_original_missing_evidence_retained": true, "parent_or_publication_acceptance": false}
coverage-17 Saved research record

Application versus invitation/solicitation

Recorded check status: recorded; no individual primary acceptance inferred

Coverage status
Answered
Claim/example links
C019–C020; E08
Exact missing authority or facts
Actual communication
Next bounded permissible investigation
None needed for generic trigger

Recorded coordinator check boundaries

coordinator acceptance
scoped_partial_not_accepted
coordinator review
{"at": "2026-10-29T08:49:29.019966+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "coverage_reconciliation": "[internal evidence reference]", "row": 17, "all_original_missing_evidence_retained": true, "parent_or_publication_acceptance": false}
coverage-18 Saved research record

Approval trigger and channel timing

Recorded check status: recorded; no individual primary acceptance inferred

Coverage status
Answered
Claim/example links
C021; E09
Exact missing authority or facts
Approval wording, channel, mailing/delivery
Next bounded permissible investigation
No actual notice audit

Recorded coordinator check boundaries

coordinator acceptance
scoped_partial_not_accepted
coordinator review
{"at": "2026-10-29T08:49:29.019966+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "coverage_reconciliation": "[internal evidence reference]", "row": 18, "all_original_missing_evidence_retained": true, "parent_or_publication_acceptance": false}
coverage-19 Saved research record

Final trigger and statutory/regulatory reconciliation

Recorded check status: recorded; no individual primary acceptance inferred

Coverage status
Answered
Claim/example links
C022–C023, C058; E13
Exact missing authority or facts
State-law consummation and actual sequence
Next bounded permissible investigation
Generic state-law issue only in a separately bounded component

Recorded coordinator check boundaries

coordinator acceptance
scoped_partial_not_accepted
coordinator review
{"at": "2026-10-29T08:49:29.019966+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "coverage_reconciliation": "[internal evidence reference]", "row": 19, "all_original_missing_evidence_retained": true, "parent_or_publication_acceptance": false}
coverage-20 Saved research record

All three-stage content lists

Recorded check status: recorded; no individual primary acceptance inferred

Coverage status
Answered, computation bounded
Claim/example links
C043–C058
Exact missing authority or facts
Actual terms; full pricing calculations
Next bounded permissible investigation
§1026.4/.22/Appendix J only if a later pricing component requires them

Recorded coordinator check boundaries

coordinator acceptance
scoped_partial_not_accepted
coordinator review
{"at": "2026-10-29T08:49:29.019966+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "coverage_reconciliation": "[internal evidence reference]", "row": 20, "all_original_missing_evidence_retained": true, "parent_or_publication_acceptance": false}
coverage-21 Saved research record

Rate ranges and permitted estimates

Recorded check status: recorded; no individual primary acceptance inferred

Coverage status
Answered
Claim/example links
C043–C047, C054–C055, C061
Exact missing authority or facts
Actual offered rates, fees, capitalization, ceilings
Next bounded permissible investigation
Generic calculation rules; no actual lawful-APR finding

Recorded coordinator check boundaries

coordinator acceptance
scoped_partial_not_accepted
coordinator review
{"at": "2026-10-29T08:49:29.019966+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "coverage_reconciliation": "[internal evidence reference]", "row": 21, "all_original_missing_evidence_retained": true, "parent_or_publication_acceptance": false}
coverage-22 Saved research record

Federal-aid alternatives

Recorded check status: recorded; no individual primary acceptance inferred

Coverage status
Answered as disclosure duty
Claim/example links
C049, C056
Exact missing authority or facts
Actual current program rates and applicant eligibility; underlying rate-law cross-references
Next bounded permissible investigation
Official generic Title IV rate provisions if a current rate table is separately required

Recorded coordinator check boundaries

coordinator acceptance
scoped_partial_not_accepted
coordinator review
{"at": "2026-10-29T08:49:29.019966+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "coverage_reconciliation": "[internal evidence reference]", "row": 22, "all_original_missing_evidence_retained": true, "parent_or_publication_acceptance": false}
coverage-23 Saved research record

Cosigner disclosures and recipient rules

Recorded check status: recorded; no individual primary acceptance inferred

Coverage status
Answered, liability held
Claim/example links
C048, C063; E15
Exact missing authority or facts
Primary versus secondary obligation; other-law notices
Next bounded permissible investigation
Separate generic cosigner-liability/release component

Recorded coordinator check boundaries

coordinator acceptance
scoped_partial_not_accepted
coordinator review
{"at": "2026-10-29T08:49:29.019966+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "coverage_reconciliation": "[internal evidence reference]", "row": 23, "all_original_missing_evidence_retained": true, "parent_or_publication_acceptance": false}
coverage-24 Saved research record

Clear/conspicuous, segregation, prominence

Recorded check status: recorded; no individual primary acceptance inferred

Coverage status
Answered as rule; visual unresolved
Claim/example links
C059–C060; E19
Exact missing authority or facts
Actual pixels/layout
Next bounded permissible investigation
Inspect official blank-form images when accessible; no unseen-layout certification

Recorded coordinator check boundaries

coordinator acceptance
scoped_partial_not_accepted
coordinator review
{"at": "2026-10-29T08:49:29.019966+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "coverage_reconciliation": "[internal evidence reference]", "row": 24, "all_original_missing_evidence_retained": true, "parent_or_publication_acceptance": false}
coverage-25 Saved research record

Electronic application exception

Recorded check status: recorded; no individual primary acceptance inferred

Coverage status
Answered
Claim/example links
C064; E18
Exact missing authority or facts
Actual on-screen placement/bypass behavior
Next bounded permissible investigation
Generic interface specification only

Recorded coordinator check boundaries

coordinator acceptance
scoped_partial_not_accepted
coordinator review
{"at": "2026-10-29T08:49:29.019966+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "coverage_reconciliation": "[internal evidence reference]", "row": 25, "all_original_missing_evidence_retained": true, "parent_or_publication_acceptance": false}
coverage-26 Saved research record

Electronic approval/final consent

Recorded check status: recorded; no individual primary acceptance inferred

Coverage status
Answered as statutory conditions
Claim/example links
C065–C067; E18
Exact missing authority or facts
Consent, access, retention, delivery/receipt
Next bounded permissible investigation
No actual account/browser inspection

Recorded coordinator check boundaries

coordinator acceptance
scoped_partial_not_accepted
coordinator review
{"at": "2026-10-29T08:49:29.019966+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "coverage_reconciliation": "[internal evidence reference]", "row": 26, "all_original_missing_evidence_retained": true, "parent_or_publication_acceptance": false}
coverage-27 Saved research record

Business-day definition for each period

Recorded check status: recorded; no individual primary acceptance inferred

Coverage status
Answered
Claim/example links
C020–C027, C036; E10
Exact missing authority or facts
Actual creditor business functions/calendar
Next bounded permissible investigation
No personal calendar calculation

Recorded coordinator check boundaries

coordinator acceptance
scoped_partial_not_accepted
coordinator review
{"at": "2026-10-29T08:49:29.019966+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "coverage_reconciliation": "[internal evidence reference]", "row": 27, "all_original_missing_evidence_retained": true, "parent_or_publication_acceptance": false}
coverage-28 Saved research record

Mailed versus electronic receipt

Recorded check status: recorded; no individual primary acceptance inferred

Coverage status
Answered / electronic facts unresolved
Claim/example links
C025, C067; E09, E18
Exact missing authority or facts
Actual electronic receipt evidence
Next bounded permissible investigation
Generic delivery-law interpretation if needed

Recorded coordinator check boundaries

coordinator acceptance
scoped_partial_not_accepted
coordinator review
{"at": "2026-10-29T08:49:29.019966+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "coverage_reconciliation": "[internal evidence reference]", "row": 28, "all_original_missing_evidence_retained": true, "parent_or_publication_acceptance": false}
coverage-29 Saved research record

Acceptance availability and methods

Recorded check status: recorded; no individual primary acceptance inferred

Coverage status
Answered
Claim/example links
C024, C028–C029, C057; E09, E13
Exact missing authority or facts
Actual receipt and acceptance
Next bounded permissible investigation
No individual deadline

Recorded coordinator check boundaries

coordinator acceptance
scoped_partial_not_accepted
coordinator review
{"at": "2026-10-29T08:49:29.019966+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "coverage_reconciliation": "[internal evidence reference]", "row": 29, "all_original_missing_evidence_retained": true, "parent_or_publication_acceptance": false}
coverage-30 Saved research record

Index and beneficial changes

Recorded check status: recorded; no individual primary acceptance inferred

Coverage status
Answered
Claim/example links
C031–C032; E11, E23
Exact missing authority or facts
Actual index, margin, benefit, independent authority
Next bounded permissible investigation
Read any specifically asserted generic federal authorization before relying on it

Recorded coordinator check boundaries

coordinator acceptance
scoped_partial_not_accepted
coordinator review
{"at": "2026-10-29T08:49:29.019966+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "coverage_reconciliation": "[internal evidence reference]", "row": 30, "all_original_missing_evidence_retained": true, "parent_or_publication_acceptance": false}
coverage-31 Saved research record

Aid/COA/enrollment change exception

Recorded check status: recorded; no individual primary acceptance inferred

Coverage status
Answered
Claim/example links
C033
Exact missing authority or facts
Actual source and substance of information
Next bounded permissible investigation
No school/borrower records inquiry

Recorded coordinator check boundaries

coordinator acceptance
scoped_partial_not_accepted
coordinator review
{"at": "2026-10-29T08:49:29.019966+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "coverage_reconciliation": "[internal evidence reference]", "row": 31, "all_original_missing_evidence_retained": true, "parent_or_publication_acceptance": false}
coverage-32 Saved research record

Consumer-requested changes

Recorded check status: recorded; no individual primary acceptance inferred

Coverage status
Answered
Claim/example links
C034; E12
Exact missing authority or facts
Actual request, replacement acceptance
Next bounded permissible investigation
None needed for generic conditions

Recorded coordinator check boundaries

coordinator acceptance
scoped_partial_not_accepted
coordinator review
{"at": "2026-10-29T08:49:29.019966+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "coverage_reconciliation": "[internal evidence reference]", "row": 32, "all_original_missing_evidence_retained": true, "parent_or_publication_acceptance": false}
coverage-33 Saved research record

Fraud/prohibited-law/mistake branches

Recorded check status: recorded; no individual primary acceptance inferred

Coverage status
Answered within §48; other doctrines held
Claim/example links
C030, C035; E23
Exact missing authority or facts
Actual fraud/legal prohibition; error-defense law outside scope
Next bounded permissible investigation
Separate generic statutory-defense analysis only if assigned

Recorded coordinator check boundaries

coordinator acceptance
scoped_partial_not_accepted
coordinator review
{"at": "2026-10-29T08:49:29.019966+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "coverage_reconciliation": "[internal evidence reference]", "row": 33, "all_original_missing_evidence_retained": true, "parent_or_publication_acceptance": false}
coverage-34 Saved research record

Cancellation procedure and earliest funding

Recorded check status: recorded; no individual primary acceptance inferred

Coverage status
Answered
Claim/example links
C036–C039; E13–E14
Exact missing authority or facts
Actual notice, dispatch, end-of-period facts
Next bounded permissible investigation
No actual cancellation or disbursement audit

Recorded coordinator check boundaries

coordinator acceptance
scoped_partial_not_accepted
coordinator review
{"at": "2026-10-29T08:49:29.019966+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "coverage_reconciliation": "[internal evidence reference]", "row": 34, "all_original_missing_evidence_retained": true, "parent_or_publication_acceptance": false}
coverage-35 Saved research record

Fee-free cancellation, return, prepayment

Recorded check status: recorded; no individual primary acceptance inferred

Coverage status
Answered with return limits
Claim/example links
C039–C041; E14
Exact missing authority or facts
Actual fee character, voluntary longer-period terms, return mechanics
Next bounded permissible investigation
Separate generic refund/return provisions if necessary

Recorded coordinator check boundaries

coordinator acceptance
scoped_partial_not_accepted
coordinator review
{"at": "2026-10-29T08:49:29.019966+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "coverage_reconciliation": "[internal evidence reference]", "row": 35, "all_original_missing_evidence_retained": true, "parent_or_publication_acceptance": false}
coverage-36 Saved research record

Home rescission and later relief distinctions

Recorded check status: recorded; no individual primary acceptance inferred

Coverage status
Answered as distinction; broader law excluded
Claim/example links
C042; E04
Exact missing authority or facts
Full rescission/remedy/discharge facts and law
Next bounded permissible investigation
Preserve for respective parent components

Recorded coordinator check boundaries

coordinator acceptance
scoped_partial_not_accepted
coordinator review
{"at": "2026-10-29T08:49:29.019966+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "coverage_reconciliation": "[internal evidence reference]", "row": 36, "all_original_missing_evidence_retained": true, "parent_or_publication_acceptance": false}
coverage-37 Saved research record

Self-certification statute/regulation

Recorded check status: recorded; no individual primary acceptance inferred

Coverage status
Answered
Claim/example links
C068–C073; E16–E17
Exact missing authority or facts
Actual attendance, form, signature, consummation
Next bounded permissible investigation
No actual form completion

Recorded coordinator check boundaries

coordinator acceptance
scoped_partial_not_accepted
coordinator review
{"at": "2026-10-29T08:49:29.019966+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "coverage_reconciliation": "[internal evidence reference]", "row": 37, "all_original_missing_evidence_retained": true, "parent_or_publication_acceptance": false}
coverage-38 Saved research record

School provision/assistance duties

Recorded check status: recorded; no individual primary acceptance inferred

Coverage status
Answered, bounded
Claim/example links
C071, C073
Exact missing authority or facts
Actual request/information possessed
Next bounded permissible investigation
No contacts or records requests

Recorded coordinator check boundaries

coordinator acceptance
scoped_partial_not_accepted
coordinator review
{"at": "2026-10-29T08:49:29.019966+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "coverage_reconciliation": "[internal evidence reference]", "row": 38, "all_original_missing_evidence_retained": true, "parent_or_publication_acceptance": false}
coverage-39 Saved research record

ED electronic-signature requirements

Recorded check status: recorded; no individual primary acceptance inferred

Coverage status
Unresolved authority gap
Claim/example links
C073; E18
Exact missing authority or facts
Specific ED-issued standards referenced by comment 48(e)-2
Next bounded permissible investigation
Locate official generic ED standards/instructions

Recorded coordinator check boundaries

coordinator acceptance
scoped_partial_not_accepted
coordinator review
{"at": "2026-10-29T08:49:29.019966+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "coverage_reconciliation": "[internal evidence reference]", "row": 39, "all_original_missing_evidence_retained": true, "parent_or_publication_acceptance": false}
coverage-40 Saved research record

Estimated aid/COA and form difference

Recorded check status: recorded; no individual primary acceptance inferred

Coverage status
Answered as form function
Claim/example links
C061, C072, C075; E17
Exact missing authority or facts
Actual estimates; current form integration
Next bounded permissible investigation
Official generic instructions only; no award calculation

Recorded coordinator check boundaries

coordinator acceptance
scoped_partial_not_accepted
coordinator review
{"at": "2026-10-29T08:49:29.019966+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "coverage_reconciliation": "[internal evidence reference]", "row": 40, "all_original_missing_evidence_retained": true, "parent_or_publication_acceptance": false}
coverage-41 Saved research record

Current blank form/OMB status

Recorded check status: recorded; no individual primary acceptance inferred

Coverage status
Partial
Claim/example links
C074–C075; E20
Exact missing authority or facts
Official replacement/reapproval/current approval status
Next bounded permissible investigation
Locate official blank replacement or published reapproval instructions without identifier testing

Recorded coordinator check boundaries

coordinator acceptance
scoped_partial_not_accepted
coordinator review
{"at": "2026-10-29T08:49:29.019966+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "coverage_reconciliation": "[internal evidence reference]", "row": 41, "all_original_missing_evidence_retained": true, "parent_or_publication_acceptance": false}
coverage-42 Saved research record

H-18–H-23 content and safe harbor

Recorded check status: recorded; no individual primary acceptance inferred

Coverage status
Answered in text; visual partial
Claim/example links
C076–C079; E19, E21
Exact missing authority or facts
Current embedded pixels and H-23 text reconciliation
Next bounded permissible investigation
Public official image/form comparison only

Recorded coordinator check boundaries

coordinator acceptance
scoped_partial_not_accepted
coordinator review
{"at": "2026-10-29T08:49:29.019966+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "coverage_reconciliation": "[internal evidence reference]", "row": 42, "all_original_missing_evidence_retained": true, "parent_or_publication_acceptance": false}
coverage-43 Saved research record

Final-rule/transition history

Recorded check status: recorded; no individual primary acceptance inferred

Coverage status
Answered for material transitions
Claim/example links
C082–C084
Exact missing authority or facts
Full annual-CFR/session-law chain not audited
Next bounded permissible investigation
Bounded official edition/session-law comparison if separately needed

Recorded coordinator check boundaries

coordinator acceptance
scoped_partial_not_accepted
coordinator review
{"at": "2026-10-29T08:49:29.019966+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "coverage_reconciliation": "[internal evidence reference]", "row": 43, "all_original_missing_evidence_retained": true, "parent_or_publication_acceptance": false}
coverage-44 Saved research record

Withdrawn CFPB guidance

Recorded check status: recorded; no individual primary acceptance inferred

Coverage status
Answered for guidance mentioned
Claim/example links
C085
Exact missing authority or facts
No other advisory used as operative law
Next bounded permissible investigation
Recheck only any additional guidance actually proposed for use

Recorded coordinator check boundaries

coordinator acceptance
scoped_partial_not_accepted
coordinator review
{"at": "2026-10-29T08:49:29.019966+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "coverage_reconciliation": "[internal evidence reference]", "row": 44, "all_original_missing_evidence_retained": true, "parent_or_publication_acceptance": false}
coverage-45 Saved research record

Future/proposed/stayed/vacated/repealed status

Recorded check status: recorded; no individual primary acceptance inferred

Coverage status
Bounded/unknown beyond checks
Claim/example links
C086
Exact missing authority or facts
Complete amendment and judicial-history audit
Next bounded permissible investigation
Published authority review only if material; no docket/status query

Recorded coordinator check boundaries

coordinator acceptance
scoped_partial_not_accepted
coordinator review
{"at": "2026-10-29T08:49:29.019966+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "coverage_reconciliation": "[internal evidence reference]", "row": 45, "all_original_missing_evidence_retained": true, "parent_or_publication_acceptance": false}
coverage-46 Saved research record

Ancillary co-branding/preferred-lender provisions

Recorded check status: recorded; no individual primary acceptance inferred

Coverage status
Answered within §48
Claim/example links
C080–C081
Exact missing authority or facts
Other HEA conflict/arrangement obligations and actual facts
Next bounded permissible investigation
Separate generic institutional-lending component

Recorded coordinator check boundaries

coordinator acceptance
scoped_partial_not_accepted
coordinator review
{"at": "2026-10-29T08:49:29.019966+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "coverage_reconciliation": "[internal evidence reference]", "row": 46, "all_original_missing_evidence_retained": true, "parent_or_publication_acceptance": false}
coverage-47 Saved research record

Numerical illustration

Recorded check status: recorded; no individual primary acceptance inferred

Coverage status
Not needed
Claim/example links
C046, C054–C055, C072
Exact missing authority or facts
No actual inputs
Next bounded permissible investigation
None; no invented deadline, award, price, or APR

Recorded coordinator check boundaries

coordinator acceptance
scoped_partial_not_accepted
coordinator review
{"at": "2026-10-29T08:49:29.019966+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "coverage_reconciliation": "[internal evidence reference]", "row": 47, "all_original_missing_evidence_retained": true, "parent_or_publication_acceptance": false}
coverage-48 Saved research record

Blank worksheet and qualitative branches

Recorded check status: recorded; no individual primary acceptance inferred

Coverage status
Delivered
Claim/example links
Worksheet; E01–E24
Exact missing authority or facts
All worksheet factual entries intentionally blank
Next bounded permissible investigation
No operational use or acceptance implied

Recorded coordinator check boundaries

coordinator acceptance
scoped_partial_not_accepted
coordinator review
{"at": "2026-10-29T08:49:29.019966+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "coverage_reconciliation": "[internal evidence reference]", "row": 48, "all_original_missing_evidence_retained": true, "parent_or_publication_acceptance": false}
coverage-49 Saved research record

Cases, standing, remedies, filing questions

Recorded check status: recorded; no individual primary acceptance inferred

Coverage status
Excluded / not necessary here
Claim/example links
C035, C042, C086
Exact missing authority or facts
No majority opinion or later history used
Next bounded permissible investigation
Published majority opinion only if a future bounded interpretive issue makes it necessary

Recorded coordinator check boundaries

coordinator acceptance
scoped_partial_not_accepted
coordinator review
{"at": "2026-10-29T08:49:29.019966+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "coverage_reconciliation": "[internal evidence reference]", "row": 49, "all_original_missing_evidence_retained": true, "parent_or_publication_acceptance": false}
coverage-50 Saved research record

R017/T006 and ED federal collection

Recorded check status: recorded; no individual primary acceptance inferred

Coverage status
Excluded by assignment
Claim/example links
C009 and parent holds
Exact missing authority or facts
No prior report or federal collection foundation
Next bounded permissible investigation
No duplication or continuation inferred

Recorded coordinator check boundaries

coordinator acceptance
scoped_partial_not_accepted
coordinator review
{"at": "2026-10-29T08:49:29.019966+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "coverage_reconciliation": "[internal evidence reference]", "row": 50, "all_original_missing_evidence_retained": true, "parent_or_publication_acceptance": false}
coverage-51 Saved research record

Remaining A018 dimensions

Recorded check status: recorded; no individual primary acceptance inferred

Coverage status
Preserved
Claim/example links
C017, C042 and holds below
Exact missing authority or facts
All unaddressed legal/product/contract/state/country facts
Next bounded permissible investigation
Separate focused components; no parent closure

Recorded coordinator check boundaries

coordinator acceptance
scoped_partial_not_accepted
coordinator review
{"at": "2026-10-29T08:49:29.019966+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "coverage_reconciliation": "[internal evidence reference]", "row": 51, "all_original_missing_evidence_retained": true, "parent_or_publication_acceptance": false}

Corrections, review and scope

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

How to read the research →

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

Recorded review disposition

reviewed scoped partial with holds

Other components in this research series

Download this complete public research record (JSON)
Record integrity

Original saved Markdown SHA-256: e0f5350220a5ea19b13ab3318f4c8503968ae2f8fb3d1426d0d0c94603cf755c. Public formatting, private-reference removal and correction annotations are separate from that immutable original.

Get debt settlement help