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The current selected text has a narrower jurisdictional boundary than the general term “financial institution” might suggest. Sections 313.1 and 313.3 require attention both to qualifying financial activities and to the FTC’s particular rulemaking jurisdiction. The latter points to the motor-vehicle-dealer category in 12 U.S.C. §5519, with its qualifications. Financial involvement, debt-related work, information brokerage, or accepting payment does not, by itself, establish coverage under this FTC rule. R072-P1-C004–C012, C025–C041 below state the separate predicates. ecfr.gov+3
The selected definitions also distinguish consumer status from a continuing customer relationship, and information classification from permission to collect, use, or disclose information. An unsuccessful credit application can fall within a consumer example. A grouping containing public fields can qualify as nonpublic personal information because of its derivation. Neither conclusion, standing alone, resolves a downstream notice, opt-out, sharing, confidentiality, or representation question. C050–C064 and C065–C083 provide the conditions. ecfr.gov+2
This investigation independently opened the public sources identified below. It does not adopt any R032, R040, or R049 conclusion. Actual access was October 27, 2026, America/Los_Angeles (PDT); the corresponding UTC session checks were on October 28. The dates displayed by the sources are separately recorded. No actual institution, relationship, transaction, information set, consent, or business practice has been classified.
| Source ID; issuer/title; jurisdiction | Complete literal HTTPS URL(s) | Exact read bounds | Displayed version, legal status, effective/application information | Access and limits |
|---|---|---|---|---|
| R072-P1-S001 — FTC; 16 CFR Part 313, Privacy of Consumer Financial Information, selected §§313.1–313.3; U.S. federal | https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-313 https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-313/section-313.1 https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-313/section-313.2 https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-313/section-313.3 | Complete §313.1(a)–(b); complete §313.2(a)–(b); complete §313.3 opening qualification and (a)–(q), including all examples. Part heading, authority, source credits, and organization read. Downstream locations were identified; their full operative rules were not analyzed. | Part page and individual §§313.1/.3 displayed 10/26/2026 currency; the individual §313.2 page displayed 10/22/2026. Its complete text was also read in the Part page displaying 10/26. Title 16 “last amended 10/19/2026” is a title-wide label. Source credits identify 2000, 2009, and 2021 instruments below. Current regulatory text as compiled; eCFR is not the official legal edition. | 2026-10-27 PDT. Complete selected bodies, not complete Part 313. Appendix A was not visually inspected or treated as a completed form. ecfr.gov+4 |
| R072-P1-S002 — Congress/OLRC; 15 U.S.C. §6804, Rulemaking; U.S. federal | https://uscode.house.gov/us/usc/119-121/t15/s6804/ | Complete §6804(a)(1)(A)–(D), (a)(2)–(3), (b), source credit, amendment and effective-date notes. | PL119-121/October 9, 2026 compilation. Source credits: 1999 enactment and 2010 §1093(3) amendment. 2010 amendment tied to designated transfer date; actual amendatory text and trigger read in S012–S013. | 2026-10-27 PDT. Authority allocation read; full enforcement-jurisdiction regime under §6805 and other regulators’ rules held. uscode.house.gov |
| R072-P1-S003 — Congress/OLRC; 12 U.S.C. §5519, Exclusion for auto dealers; U.S. federal | https://uscode.house.gov/us/usc/119-121/t12/s5519/ | Complete (a)–(f), including all three (b) qualifications, preservation/FTC-authority clauses, coordination provision, vehicle and dealer definitions, source and effective-date notes. | PL119-121/October 9, 2026 compilation. Enacted July 21, 2010, §1029; effective on designated transfer date under §1029A. | 2026-10-27 PDT. No actual licensing, assignment practice, business mix, or dealer determination. uscode.house.gov+1 |
| R072-P1-S004 — Congress/OLRC; 12 U.S.C. §1843, Interests in nonbanking organizations; U.S. federal | https://uscode.house.gov/us/usc/119-121/t12/s1843/ | Selected §1843(k)(1)–(7) read, including complete (4)(A)–(I), complete merchant/investment-banking and insurance-investment conditions, and (7)’s qualifications. Reliance concentrates on financial-activity categories and the references used by §313.3. | PL119-121/October 9, 2026 compilation. Current statutory body as displayed. Historical activity-reference dates occur in (4)(F)–(G). | 2026-10-27 PDT. Not a complete Bank Holding Company Act investigation; no holding-company eligibility, authorization, acquisition, or regulatory-order determination. uscode.house.gov+1 |
| R072-P1-S005 — Congress/OLRC; 15 U.S.C. §6809, Definitions; U.S. federal | https://uscode.house.gov/us/usc/119-121/t15/s6809/ | Definition body (1)–(11) read. Reliance limited to (2)–(6), (8)–(9), and (11), with statutory exclusions preserved. The transaction-exception definition and joint-agreement definition were not used to authorize sharing. | PL119-121/October 9, 2026 compilation; source credit to GLBA §509, November 12, 1999. | 2026-10-27 PDT. No entire GLBA or statutory exceptions dossier. uscode.house.gov+2 |
| R072-P1-S006 — Congress/OLRC; 15 U.S.C. §1681a, Definitions; rules of construction; U.S. federal | https://uscode.house.gov/us/usc/119-121/t15/s1681a/ | Complete §1681a(f), incorporated by §313.3(f), and compilation header. Other returned text was not used for a broader FCRA conclusion. | PL119-121/October 9, 2026 compilation. Current incorporated definition as displayed. | 2026-10-27 PDT. Full consumer-report classification, FCRA exceptions, permissible purposes, duties, and remedies remain unexamined. uscode.house.gov |
| R072-P1-S007 — Federal Reserve Board; Regulation Y, selected activity provisions; U.S. federal | https://www.ecfr.gov/current/title-12/chapter-II/subchapter-A/part-225/subpart-C/section-225.28 https://www.ecfr.gov/current/title-12/chapter-II/subchapter-A/part-225/subpart-I/section-225.86 | §225.28(a); selected (b)(2) activity context, particularly (iv); complete (b)(3) and footnote 6; (b)(6) advisory category and examples. §225.86(a)–(e) body read, with reliance on incorporation structure, complete finder provision (d)(1), and (e)’s determination requirement. | Both displayed Title 12 current through 10/26/2026, title last amended 10/23/2026. §225.28 source credits include 1997 and 2003; §225.86 credits 2001. Those credits were not treated as a complete amendment history. | 2026-10-27 PDT. Selected cross-reference reading; no underlying institution-specific orders, registrations, or complete banking-authorization dossier. ecfr.gov+5 |
| R072-P1-S008 — NHTSA; incorporated vehicle-category definitions; U.S. federal | https://www.ecfr.gov/current/title-49/subtitle-B/chapter-V/part-571/subpart-A/section-571.3 https://www.ecfr.gov/current/title-49/subtitle-B/chapter-V/part-575/subpart-B/section-575.103 | §571.3(b), selected definitions of motor home, multipurpose passenger vehicle, recreation vehicle trailer, trailer, and truck; §575.103(d), camper and slide-in camper definitions. | Displayed Title 49 current through 10/26/2026, title last amended 10/13/2026. Current definitions as displayed. | 2026-10-27 PDT. Only the category cross-reference in §5519(f)(1)(D) was traced. Vehicle safety, technical classification, and complete successor history held. ecfr.gov+3 |
| R072-P1-S009 — FTC; Privacy of Consumer Financial Information Rule Under the Gramm-Leach-Bliley Act, 2021 final rule; U.S. federal | https://www.federalregister.gov/documents/2021/12/09/2021-25735/privacy-of-consumer-financial-information-rule-under-the-gramm-leach-bliley-act https://www.govinfo.gov/content/pkg/FR-2021-12-09/pdf/2021-25735.pdf | Dates; selected scope/definition explanations in II.A and II.C; §313.18 explanation; complete amendatory instructions 1–3 and 7. PDF: printed 70020, index 0, dates; printed 70025–70026, indices 5–6, selected amendments; printed 70027, index 7, removal. HTML explanation includes printed 70021–70023 locations. | Published December 9, 2021; amendments effective January 10, 2022. Final rule reflected in current selected eCFR bodies. Preamble explanations distinguished from regulatory text. | 2026-10-27 PDT. Selected reading of an 8-page PDF, not whole-file review. Annual-notice and sharing amendments outside selected scope were not fully analyzed. govinfo.gov+5 |
| R072-P1-S010 — FTC and other issuing agencies; Final Model Privacy Form Under the GLBA, 2009 final rule; FTC portion only | https://www.govinfo.gov/content/pkg/FR-2009-12-01/html/E9-27882.htm https://www.federalregister.gov/documents/2009/12/01/E9-27882/final-model-privacy-form-under-the-gramm-leach-bliley-act https://www.govinfo.gov/content/pkg/FR-2009-12-01/pdf/E9-27882.pdf | GovInfo text: publication/dates and complete FTC instructions 36–37, including replacement §313.2. Printed-page markers 62890 and 62965. PDF retrieval failed; no PDF index or pixel claim. | Published December 1, 2009; general effective date December 31, 2009. Specified other removal instructions were delayed to January 1, 2012; instruction 37 was not among them. | 2026-10-27 PDT. Official-host text alternate succeeded. PDF failed with retrieval message “Content length is too large: 35798204”. Model-form graphics/instructions were not fully reviewed. |
| R072-P1-S011 — FTC; Privacy of Consumer Financial Information, 2000 original final rule; U.S. federal | https://www.govinfo.gov/content/pkg/FR-2000-05-24/pdf/00-12755.pdf | Dates, original organization and §§313.1–313.2, and complete historical §313.18(a)–(c). PDF body begins printed 33646, index 0; selected original text printed 33677–33678, indices 31–32; transition text printed 33687–33688, indices 41–42. | Published May 24, 2000; effective November 13, 2000, full compliance July 1, 2001. Original scope and original §313.2 are historical where replaced; §313.18 was removed by S009. | 2026-10-27 PDT. Selected parsed reading, not complete 44-page file or all original definitions. The source’s initial body page differs from the commonly cited cover/start reference 65 FR33645. govinfo.gov+2 |
| R072-P1-S012 — Congress/GovInfo; Public Law 111-203, selected enactment/amendment provisions; U.S. federal | https://www.govinfo.gov/content/pkg/PLAW-111publ203/pdf/PLAW-111publ203.pdf | Complete selected §1093(3); §1029A; §1100H. Printed 124 Stat. 2095–2096, indices 720–721; 124 Stat. 2005, index 630; 124 Stat. 2113, index 738. | Enacted July 21, 2010. Selected provisions establish the statutory authority amendment and designated-transfer-date triggers, including stated exceptions. | 2026-10-27 PDT. Not the entire 849-page Act. Same statutory history underlying S002/S003, not independent corroboration of unrelated propositions. govinfo.gov+2 |
| R072-P1-S013 — Treasury Secretary designation published under Bureau of Consumer Financial Protection heading; Designated Transfer Date; U.S. federal | https://www.govinfo.gov/content/pkg/FR-2010-09-20/pdf/2010-23487.pdf | Notice’s identifying heading, designation, Dates clause, and relevant statutory-transfer explanation. Printed 57252, index 0, with selected continuation on printed 57253, index 1. | Published September 20, 2010; designates July 21, 2011 for the Title X transfer. | 2026-10-27 PDT. No full transfer-of-functions dossier. Unrelated notices sharing the PDF pages were not evidence. govinfo.gov+1 |
| R072-P1-S014 — Congress/OLRC; 12 U.S.C. §§5411, 5413, transfer-date/OTS abolition boundary; U.S. federal | https://uscode.house.gov/us/usc/119-121/t12/s5411/ https://uscode.house.gov/us/usc/119-121/t12/s5413/ | Complete operative §5411(a)–(b) and §5413. | PL119-121/October 9, 2026 compilation. Title III transfer-date provisions and abolition trigger; not silently equated with Title X’s designated-transfer-date provision. | 2026-10-27 PDT. Read only to preserve the statutory/regulatory regulator-list distinction. No calculated abolition date or complete successor-authority mapping. uscode.house.gov+1 |
| R072-P1-S015 — Congress/OLRC; 15 U.S.C. §6802, narrow incorporated transaction category; U.S. federal | https://uscode.house.gov/us/usc/119-121/t15/s6802/ | §6802(e)(1)(C) and its immediate introductory context, solely to identify the transaction category incorporated by §6809(3)(D). | PL119-121/October 9, 2026 compilation. | 2026-10-27 PDT. No disclosure permission or complete §6802 exception analysis. uscode.house.gov |
| R072-P1-S016 — Congress/OLRC; 12 U.S.C. §5481, Definitions, narrow Title X context; U.S. federal | https://uscode.house.gov/us/usc/119-121/t12/s5481/ | Opening scope qualification; complete (4), (5), (9), (19), (27). Reliance limited to person/consumer/category and transfer-reference context for §5519. | PL119-121/October 9, 2026 compilation. These are Title X definitions, not replacements for Part313’s own definitions. | 2026-10-27 PDT. Full (15), its exclusions and implementing rules, were not analyzed; no complete CFPA coverage conclusion. uscode.house.gov+1 |
The entries below are the substantive findings. Each entry includes its operative conditions or its express limit. References such as C006 elsewhere mean R072-P1-C006; S001 means R072-P1-S001.
| Claim ID | Supported proposition and conditions | Exact evidence |
|---|---|---|
| R072-P1-C001 | The selected organization is §313.1 Purpose and scope, §313.2 Model privacy form and examples, and §313.3 Definitions, whose definition sequence is (a)–(q). These precede Subpart A. All three selected bodies, including examples, were read. | S001, headings and complete selected bodies. ecfr.gov+2 |
| R072-P1-C002 | The freshest opened Part313 display was current through October 26, 2026. The separate §313.2 display showed October 22, but its complete text also appeared in the October 26 Part display. Neither label is an issuance or effective date. | S001, currency headers and §313.2 in aggregate body. |
| R072-P1-C003 | Government-hosted eCFR and FederalRegister.gov HTML must retain their stated publication status. eCFR is authoritative but unofficial; the Federal Register HTML rendition does not replace the official edition. S009’s official PDF was read; S010’s PDF failure remains a distinct limitation. | S001 status notice; S009/S010 format notices and retrieval record. |
| R072-P1-C004 | Part313’s authority citation is 15 U.S.C. 6801 et seq. and 12 U.S.C. 5519. Its selected scope and “you” definition specifically use 15 U.S.C. §6804(a)(1)(C), which authorizes FTC regulations for a financial institution that is a person described in §5519(a). | S001 authority, §§313.1(b), .3(q); S002 §6804(a)(1)(C). |
| R072-P1-C005 | Section 313.1(a) identifies three purposes: specified customer privacy notices; conditions on disclosure of consumer NPI to nonaffiliated third parties; and an opt-out mechanism concerning most such third parties, expressly subject to §§313.13–.15. This purpose statement is not the complete downstream rule. | S001 §313.1(a)(1)–(3). ecfr.gov |
| R072-P1-C006 | Section 313.1(b) limits this Part to NPI about individuals obtaining financial products/services primarily for personal, family, or household purposes from the covered institutions. It excludes information about companies and about individuals obtaining products/services for business, commercial, or agricultural purposes. This is a Part313 boundary, not a universal exemption for business data. | S001 §313.1(b); S005 §6809(9). |
| R072-P1-C007 | Covered financial activity and FTC rulemaking jurisdiction are separate requirements. The rule’s jurisdictional category concerns persons described in §5519 predominantly engaged in motor-vehicle sale and servicing, leasing and servicing, or both. “Predominantly” is not the same predicate as §313.3(k)’s significant engagement in financial activities. | S001 §§313.1(b), .3(k), .3(q); S003 §5519(a). |
| R072-P1-C008 | The express Part313 exclusion addresses described dealers directly extending retail vehicle credit or leases where the governing contract is not routinely assigned to an unaffiliated third-party finance or leasing source. Section 5519(b)(2) states the cumulative line-of-business, direct-consumer, and non-routine-assignment conditions. No numerical assignment-frequency threshold is supplied here. | S001 §313.1(b); S003 §5519(b)(2)(A)–(B). ecfr.gov+1 |
| R072-P1-C009 | Section 5519(a)’s limitation on Bureau authority does not apply to the extent a person provides consumers services related to residential or commercial mortgages or self-financing transactions involving real property. This is an activity qualification, not a finding about an entire unnamed business. | S003 §5519(b) opening and (b)(1). |
| R072-P1-C010 | A second separate §5519 qualification concerns offering/providing a consumer financial product or service unrelated to the listed vehicle, vehicle-part, and related/ancillary sale, financing, leasing, rental, repair, refurbishment, maintenance, or servicing activities. The Title X product-category analysis remains distinct from Part313’s product definition. | S003 §5519(b)(3); S016 §5481(5). |
| R072-P1-C011 | Section 5519(c) preserves other federal authorities subject to its (b) and (d) qualifications. Subsection (d) supplies a particular FTC rulemaking route under the cited FTC Act provisions and 5 U.S.C. §553. Neither provision establishes universal FTC-only jurisdiction or absence of other applicable law. | S003 §5519(c)–(d). uscode.house.gov |
| R072-P1-C012 | The statutory dealer definition requires the stated U.S./territorial person-or-resident predicate, licensing by a State, territory, or D.C. to sell motor vehicles, and taking title, holding ownership, or taking physical custody of motor vehicles. A role label alone does not supply these facts. | S003 §5519(f)(2)(A)–(B). |
| R072-P1-C013 | Section 5519’s vehicle category includes road-transport self-propelled vehicles, recreational boats/marine equipment, motorcycles, the incorporated motor-home/trailer/camper categories, and other titled vehicles sold through dealers. It is not limited to ordinary passenger automobiles. | S003 §5519(f)(1)(A)–(E). |
| R072-P1-C014 | The incorporated motor-home definition requires a powered multipurpose passenger vehicle designed for temporary residential accommodation, evidenced by at least four listed facilities: cooking; refrigeration/ice box; self-contained toilet; heating/air conditioning; potable-water system with faucet and sink; separate 110–125-volt supply and/or propane. The incorporated multipurpose-passenger-vehicle definition adds its own vehicle-type, capacity, and chassis/off-road predicates. | S008 §571.3(b), “Motor home” and “Multipurpose passenger vehicle.” ecfr.gov |
| R072-P1-C015 | The recreation-vehicle-trailer definition excludes a trailer designed primarily for cargo, requires the specified towing connection and temporary-residential design, and uses the same at-least-four-facilities test. It expressly includes the described personal-use combination living/cargo trailers. This does not classify an actual vehicle. | S008 §571.3(b), “Recreation vehicle trailer,” including its second paragraph; “Trailer.” |
| R072-P1-C016 | A camper is the defined shelter structure designed for a truck cargo area or attachment to an incomplete powered vehicle. A slide-in camper additionally has a roof, floor, and sides and is designed for mounting on, and user removal from, a truck cargo area. | S008 §575.103(d), “Camper,” “Slide-in Camper.” ecfr.gov |
| R072-P1-C017 | For Title X, subject to its opening qualification, “person” includes an individual, partnership, company, corporation, incorporated/unincorporated association, trust, estate, cooperative organization, or other entity. This does not make every such person a Part313 consumer or covered institution. | S016 §5481 opening and (19). |
| R072-P1-C018 | Title X’s consumer definition includes an individual and an agent, trustee, or representative acting for an individual. Its consumer-financial-product/service definition has the two alternatives in §5481(5)(A)–(B), including references to (15) and specified clauses of (15)(A). These were preserved as statutory context; they were not substituted for §313.3(e) or (l), or used to decide full CFPA coverage. | S016 §5481(4)–(5); S001 §313.3(e), (l). uscode.house.gov |
| R072-P1-C019 | Title X’s “State” definition includes the specified states, territories/possessions, D.C., named insular jurisdictions, and federally recognized Indian tribes under its cited recognition reference. That statutory vocabulary does not resolve an actual licensing predicate or any state/tribal privacy regime. | S016 §5481 opening and (27); S003 §5519(f)(2). |
| R072-P1-C020 | GLBA’s statutory financial-institution definition points to §1843(k), but §6809(3)(B) excludes a person/entity with respect to financial activity subject to CFTC jurisdiction under the Commodity Exchange Act. This activity-qualified exclusion must be read alongside §6804(a)(1)(B)’s separate CFTC authority; it is not an all-privacy exemption. | S005 §6809(3)(A)–(B); S002 §6804(a)(1)(B), referring to 7 U.S.C. §7b-2. |
| R072-P1-C021 | Section 6809(3)(C) separately excludes its specifically named federal agricultural-mortgage corporation and entities chartered and operating under the Farm Credit Act of 1971. No actual charter or institution was investigated. | S005 §6809(3)(C). |
| R072-P1-C022 | Section 6809(3)(D) excludes institutions chartered by Congress specifically for the transactions described in §6802(e)(1)(C), as long as they do not sell or transfer NPI to a nonaffiliated third party. The incorporated transaction category includes proposed/actual securitization, secondary-market sale, including servicing-rights sales, or a similar consumer-transaction-related transaction. No sharing permission is inferred. | S005 §6809(3)(D); S015 §6802(e)(1)(C). uscode.house.gov+1 |
| R072-P1-C023 | Section 6804 allocates rulemaking authority among the CFPB/SEC within their respective statutory jurisdiction, CFTC under its stated reference, and FTC under the dealer provision; it preserves State insurance rulemaking authority. Its CFPB grant excludes regulations concerning §6801 standards. Coordination and authority to adopt consistent additional exceptions are authority provisions, not automatic operational permissions. | S002 §6804(a)(1)–(3), (b); S005 §6809(8) for State insurance authority. |
| R072-P1-C024 | Current §313.3(j) lists the Federal Reserve Board, OCC, FDIC Board, NCUA Board, and SEC. The displayed §6809(2) statutory list still contains an OTS Director entry. The regulatory list was expressly revised in 2021; §§5411/.13 separately address OTS abolition. The lists are recorded as written, without inventing a complete successor-jurisdiction reconciliation. | S001 §313.3(j); S005 §6809(2); S009 instruction 3; S014. govinfo.gov+2 |
| R072-P1-C025 | “You” is defined by reference to a financial institution over which the FTC has the specified §6804(a)(1)(C) rulemaking authority. It is not a synonym for every business handling financial information. | S001 §313.3(q); S002 §6804(a)(1)(C). |
| Claim ID | Supported proposition and conditions | Exact evidence |
|---|---|---|
| R072-P1-C026 | Section 313.3(k)(1) includes businesses significantly engaged in financial activities or activities incidental to them, as described in §1843(k). Paragraph (k)(3) excludes entities not significantly engaged in the financial activities. The selected rule supplies no universal revenue, transaction-count, or frequency formula for significant engagement. | S001 §313.3(k)(1), (3); S009 II.C. ecfr.gov+1 |
| R072-P1-C027 | The negative example says a vehicle dealer is not a financial institution merely because it accepts cash, checks, or credit cards it did not issue. It does not exempt a business that separately satisfies other qualifying predicates. | S001 §313.3(k)(4). |
| R072-P1-C028 | The positive dealer-leasing example uses usual-business, nonoperating automobile leases longer than 90 days. Its explanatory incorporation identifies a financial activity with an initial lease term at least 90 days. Both formulations appear in the current text and 2021 amendment; they must not be silently made identical. | S001 §313.3(k)(2); S009 instruction 3; S007 §225.28(b)(3)(ii). |
| R072-P1-C029 | The incorporated leasing activity requires a nonoperating basis and an initial term of at least 90 days. For real-property leases, it adds the initial-transaction return/full-investment-plus-financing condition and a residual-value ceiling of 25% of acquisition cost. Footnote 6 explains nonoperating restrictions, including no direct/indirect operating, servicing, maintenance, or repair; for automobiles it also specifies restrictions concerning parts/accessories, substitute vehicles, lessee insurance, and license-renewal services, while allowing arrangements for a third party to provide those services/products. These are incorporated activity conditions, not an actual dealer authorization finding. | S007 §225.28(b)(3)(i)–(iii), footnote 6. ecfr.gov+1 |
| R072-P1-C030 | Section 1843(k)(4)(A)–(E) identifies financial categories covering money/securities lending, exchange, transfer, investment for others and safeguarding; specified insurance/annuity activities; financial, investment, and economic advice; interests in permitted asset pools; and securities underwriting, dealing, or market-making. These are activity categories, not proof of FTC Part313 jurisdiction. | S004 §1843(k)(4)(A)–(E). |
| R072-P1-C031 | Paragraph (4)(F) incorporates qualifying Board orders/regulations in effect on November 12, 1999, subject to their conditions unless modified. Paragraph (4)(G) incorporates the specified permissible foreign-banking activities and pre-enactment regulatory/interpretive determination. The underlying regulatory conditions cannot be discarded. | S004 §1843(k)(4)(F)–(G); S007 §225.86(a)–(b). |
| R072-P1-C032 | Section 1843(k)(1) distinguishes financial/incidental activities from its separate complementary-activity category. Paragraphs (2)–(3) prescribe coordination and determination considerations. Part313 expressly uses the financial/incidental formulation; “complementary” is not silently added as an independent Part313 category. | S004 §1843(k)(1)–(3); S001 §§313.1(b), .3(k). uscode.house.gov |
| R072-P1-C033 | Regulation Y identifies collection of overdue retail or commercial receivables as a collection-agency activity and separately lists financial/investment advisory activities. These references help identify possible activity categories; they do not make every collector, adviser, counselor, or debt-relief role subject to FTC Part313. | S007 §225.28(b)(2)(iv), (b)(6); C007, C026. |
| R072-P1-C034 | The finder category concerns bringing buyers and sellers together for transactions they negotiate and consummate themselves. Its scope includes identification/referral/contact arrangements, relaying transaction communications, and related product/service information. Its nonexclusive examples include electronic marketplaces, hosted sites, exchange sites, and telephone call centers, subject to the later limitations. | S007 §225.86(d)(1), (i)–(ii). |
| R072-P1-C035 | A finder acts as intermediary and generally may not bind a party or negotiate a specific transaction. The text preserves the stated exceptions for generally available preferred terms, not negotiated for an individual transaction and made available by the seller, and generally applicable service rules governing bids/offers and how parties bind themselves. | S007 §225.86(d)(1)(iii)(A)–(B). |
| R072-P1-C036 | The finder provision also restricts taking title/ownership, physical distribution, specified manufacturing/storage/transport/assembly property, physical transaction locations, and activity requiring a real-estate-agent/broker license. It requires distinguishing the holding company’s offerings from third-party offerings. These conditions define the incorporated category; they do not authorize a lead-generation or representation practice under other law. | S007 §225.86(d)(1)(iii)(C)–(D), (iv). ecfr.gov+1 |
| R072-P1-C037 | The additional financial-asset, transfer-device, and third-party-transaction categories in §1843(k)(5) are subject to the Board’s defining/determination process. Section 225.86(e) requires a determination for a specific activity not otherwise permissible when reliance is placed on that provision. A general “facilitating transactions” label does not bypass that condition. | S004 §1843(k)(5); S007 §225.86(e)(1)–(4). |
| R072-P1-C038 | Section 1843(k)(4)(H)’s investment category requires the stated non-depository holder restriction; a qualifying securities affiliate or qualifying insurance-advisory affiliate; bona fide underwriting/merchant/investment-banking purposes; holding for a period allowing reasonable disposition consistent with financial viability; and no routine management/operation except as necessary for a reasonable disposition return. Section (k)(7)(B) contains a separate conditional financial-subsidiary qualification requiring joint authorization under its cited law. That authorization is not established here. | S004 §1843(k)(4)(H)(i)–(iv), (k)(7)(B). |
| R072-P1-C039 | Section 1843(k)(4)(I) requires the stated non-depository holder restriction; a qualifying insurance company predominantly engaged in the listed underwriting or annuity activities, excluding credit-related insurance; ordinary-course investment consistent with relevant State investment law; and no routine management/operation except as necessary for a reasonable investment return. | S004 §1843(k)(4)(I)(i)–(iv). uscode.house.gov |
| R072-P1-C040 | Part313’s financial-product/service definition concerns a product/service a financial holding company could offer through a §1843(k) financial activity. This is a defined category, not an actual charter, licensing, or offering authorization for a particular business. | S001 §313.3(l)(1). |
| R072-P1-C041 | Financial service expressly includes evaluation or brokerage of information collected in connection with a consumer’s request or application for a financial product/service. The consumer-request/application and financial-product nexus must be preserved; this is not a blanket definition of every information broker or lead generator. | S001 §313.3(l)(2). |
| Claim ID | Supported proposition and conditions | Exact evidence |
|---|---|---|
| R072-P1-C042 | Section 313.3’s definitions apply unless context requires otherwise. “Company” includes corporations, LLCs, business trusts, general/limited partnerships, associations, and similar organizations. “Person” and “former customer” are not separate defined headings in its (a)–(q) glossary. | S001 §313.3 opening, (d), complete glossary. |
| R072-P1-C043 | A clear and conspicuous notice must be reasonably understandable and designed to draw attention to the information’s nature and significance. One element does not replace the other. | S001 §313.3(b)(1). |
| R072-P1-C044 | The understandability example includes clear concise sentences/paragraphs/sections; short explanatory sentences or bullets where possible; concrete everyday words and active voice where possible; avoiding multiple negatives; avoiding legal/highly technical business terminology where possible; and avoiding imprecise explanations open to different interpretations. | S001 §313.3(b)(2)(i)(A)–(F). |
| R072-P1-C045 | The attention-design example includes a plain-language heading, readable typeface/size, wide margins and ample spacing, bold or italic key words, and distinctive typography/graphics when combined with other information. This provision gives no universal numeric font-size specification. | S001 §313.3(b)(2)(ii)(A)–(E). |
| R072-P1-C046 | The website example combines scrolling cues where needed and freedom from distracting site elements with either placement on a frequently accessed screen or an appropriately labeled direct link on such a screen. It does not independently establish compliant delivery, electronic consent, or the required notice content. | S001 §313.3(b)(2)(iii)(A)–(B). ecfr.gov |
| R072-P1-C047 | “Collect” means obtaining information organized or retrievable by an individual’s name or another assigned identifying particular, regardless of the underlying source. Collection is therefore not confined to information directly submitted by the individual. | S001 §313.3(c). |
| R072-P1-C048 | An affiliate is a company controlling, controlled by, or under common control with another company. One control alternative is direct/indirect ownership, control, or voting power over 25% or more of the outstanding shares of any class of voting security, including acting through others. | S001 §313.3(a), (g)(1); S005 §6809(6). |
| R072-P1-C049 | Control has two additional alternatives: control over election of a majority of directors, trustees, general partners, or equivalent roles; or direct/indirect power to exercise controlling influence over management or policies. Failure to meet the share test alone does not establish non-control. | S001 §313.3(g)(2)–(3). |
| R072-P1-C050 | A consumer is an individual obtaining or having obtained a financial product/service from you, primarily for personal, family, or household use, or that individual’s legal representative. Including a representative in the definition does not establish anyone’s actual appointment or powers. | S001 §313.3(e)(1); S005 §6809(9). |
| R072-P1-C051 | The credit-application example treats an individual applying for the specified personal-purpose credit as a consumer of a financial service, whether or not credit is extended. | S001 §313.3(e)(2)(i). |
| R072-P1-C052 | Providing NPI to obtain a determination of qualification for the specified personal-purpose loan is also a consumer example, regardless of whether the loan is extended. | S001 §313.3(e)(2)(ii). |
| R072-P1-C053 | Ownership or servicing rights in the specified personal-purpose loan produce the stated consumer example, including jointly held rights. Hiring a collection agent does not eliminate that example; the other involved financial institutions may also have a consumer relationship in the stated sense. | S001 §313.3(e)(2)(iii). |
| R072-P1-C054 | Acting as another financial institution’s agent, processor, or other service provider does not solely by that fact make its consumer your consumer. This is not a general exemption for processors from all laws or duties. | S001 §313.3(e)(2)(iv). |
| R072-P1-C055 | Participation in, or beneficiary status under, an employee benefit plan does not solely create consumer status with a sponsor, trustee, or fiduciary under the stated example. It does not decide benefit, fiduciary, or confidentiality law. | S001 §313.3(e)(2)(v). govinfo.gov |
| R072-P1-C056 | The incorporated consumer-reporting-agency definition requires a person acting for monetary fees, dues, or on a cooperative nonprofit basis; regularly assembling/evaluating consumer credit or other consumer information, wholly or partly; doing so to furnish consumer reports to third parties; and using an interstate-commerce means/facility to prepare or furnish those reports. Full “consumer report” classification is not decided. | S001 §313.3(f); S006 §1681a(f). |
| R072-P1-C057 | A customer is a consumer with a customer relationship. That relationship is continuing and involves provision of one or more financial products/services for the specified primarily personal/family/household purposes. Consumer status alone does not supply continuation. | S001 §313.3(h), (i)(1). |
| R072-P1-C058 | The continuing-relationship examples cover: a credit/investment account; obtaining a loan; buying an insurance product; an agreement/understanding to arrange or broker a home mortgage or vehicle-purchase credit; a nonoperating personal-property lease; and a loan whose servicing rights are owned by the institution. Each example remains subject to scope and applicability. | S001 §313.3(i)(2)(i)(A)–(F). |
| R072-P1-C059 | The no-continuing-relationship examples cover isolated transactions such as check cashing/wire transfer; selling a loan without retaining servicing rights; and one-time personal appraisal services. An isolated consumer transaction is not automatically an ongoing customer relationship. | S001 §313.3(i)(2)(ii)(A)–(C). |
| R072-P1-C060 | “Former customer” is not independently defined in §§313.1–.3. The selected information examples expressly include past customer/consumer status. The precise downstream former-customer provision is §313.5(b)(1)–(2), identified but not fully analyzed here; no annual-notice or termination-time conclusion is imported. | S001 §313.3(o)(2)(i)(C)–(D), glossary bounds; downstream locator §313.5(b). |
| R072-P1-C061 | Section 6809(11) delegates definition of the time a customer relationship is established to regulations and, for direct consumer credit financing purchases of goods/services, specifies the time the credit relationship is established. This is not proof of actual assent, execution, timing, or a notice deadline. | S005 §6809(11); downstream §313.4(c) remains unexamined. uscode.house.gov |
| R072-P1-C062 | A nonaffiliated third party is any person other than an affiliate or the stated joint employee of the institution and an unaffiliated company. The other jointly employing company remains included as a nonaffiliated third party. | S001 §313.3(m)(1)(i)–(ii); S005 §6809(5). |
| R072-P1-C063 | The definition specially includes a company otherwise affiliated by the institution’s or its affiliate’s direct/indirect ownership or control through the merchant/investment-banking or insurance-investment activities described in §1843(k)(4)(H)/(I). Ordinary affiliation analysis alone is therefore insufficient for that category. | S001 §313.3(m)(2); S004 §1843(k)(4)(H)–(I); C038–C039. |
| R072-P1-C064 | These defined relationships classify terms for this Part. They do not, by themselves, establish consent, ownership of information, representation authority, privilege, fiduciary duty, debt validity, settlement entitlement, or permission to share. That is a bounded inference from the definitions’ function and the distinct downstream provisions. | S001 §313.3 opening, §§313.1(a), .3; downstream boundaries in §4 below. |
| Claim ID | Supported proposition and conditions | Exact evidence |
|---|---|---|
| R072-P1-C065 | NPI includes personally identifiable financial information and consumer lists/descriptions/groupings, including public information pertaining to them, derived using any PIFI that is not publicly available. The definition must be read with its exclusions. | S001 §313.3(n)(1)(i)–(ii); S005 §6809(4). |
| R072-P1-C066 | Publicly available information is excluded except as included in the specified derived grouping. A grouping derived without nonpublic PIFI is separately excluded by (n)(2)(ii). Public fields alone do not answer the derivation question. | S001 §313.3(n)(2)(i)–(ii). |
| R072-P1-C067 | The positive list example covers a grouping of generic identifying/contact fields derived wholly or partly using nonpublic PIFI. The presence of publicly available output fields does not negate the protected derivation. No actual list was examined. | S001 §313.3(n)(3)(i). |
| R072-P1-C068 | The negative list example requires all three conditions: only publicly available information; no whole or partial derivation from nonpublic PIFI; and no disclosure manner indicating that any listed individual is a financial institution’s consumer. | S001 §313.3(n)(3)(ii). ecfr.gov |
| R072-P1-C069 | The first PIFI route is information a consumer supplies to obtain a financial product/service from the institution. | S001 §313.3(o)(1)(i). |
| R072-P1-C070 | The second route is information about a consumer resulting from a transaction involving a financial product/service between institution and consumer. | S001 §313.3(o)(1)(ii). |
| R072-P1-C071 | The third route is information otherwise obtained about the consumer in connection with providing a financial product/service to that consumer. “Otherwise obtained” does not eliminate the required connection. | S001 §313.3(o)(1)(iii). |
| R072-P1-C072 | Included examples cover financial-product application information and account-balance, payment, overdraft, and credit/debit purchase information. These are generic information categories, not findings about records. | S001 §313.3(o)(2)(i)(A)–(B). |
| R072-P1-C073 | Included examples also cover the fact of current/past customer status or obtaining a product/service, and information disclosed in a manner revealing current/past consumer status. PIFI is therefore not restricted to monetary amounts or account identifiers. | S001 §313.3(o)(2)(i)(C)–(D). |
| R072-P1-C074 | Information supplied by a consumer, or otherwise obtained by the institution or its agent, in connection with credit-account collection or servicing is expressly included. This does not establish a collector’s separate institutional jurisdiction or authorize disclosure. | S001 §313.3(o)(2)(i)(E), read with (e)(2)(iii)–(iv) and §313.1(b). |
| R072-P1-C075 | The examples include information collected through an Internet cookie and information from a consumer report. These examples operate within the selected consumer/financial-information framework; they are not a universal rule governing every website or a permission to use consumer reports. | S001 §313.3(o)(2)(i)(F)–(G). |
| R072-P1-C076 | The listed exclusion includes a generic identifying/contact list of customers of an entity that is not a financial institution. The institution-status predicate cannot be presumed from a label. | S001 §313.3(o)(2)(ii)(A). |
| R072-P1-C077 | The other PIFI exclusion concerns information that does not identify a consumer, including aggregate or blind data without personal identifiers. Calling an identifying list “aggregate” does not establish that condition. | S001 §313.3(o)(2)(ii)(B). ecfr.gov |
| R072-P1-C078 | Publicly available information requires a reasonable basis to believe it was lawfully made available to the general public, from federal/state/local government records, widely distributed media, or legally required public disclosures. A provider’s unsupported “public” label is not the defined test. | S001 §313.3(p)(1)(i)–(iii). |
| R072-P1-C079 | The reasonable-basis provision requires steps to determine both that the information is of a publicly available type and whether the individual can prevent public availability; if such a choice exists, the institution must determine that its consumer has not exercised it. | S001 §313.3(p)(2)(i)–(ii). |
| R072-P1-C080 | Government-record examples identify real-estate records and security-interest filings. The mortgage-information reasonable-basis example requires determining that the information is of the type included in the public record in the relevant recording jurisdiction. No actual record lookup is necessary or authorized by this report. | S001 §313.3(p)(3)(i), (iii)(A). |
| R072-P1-C081 | Media examples include telephone directories, television/radio, newspapers, and websites generally available without restricted public access. A fee or password alone does not make a website restricted if access remains available to the general public. This is a definition qualification, not permission to circumvent access controls or use/share information. | S001 §313.3(p)(3)(ii). |
| R072-P1-C082 | The telephone-information example supplies two stated reasonable-basis routes: locating the information in a telephone directory, or the consumer informing the institution that it is not unlisted. Neither event is assumed here, and neither was performed. | S001 §313.3(p)(3)(iii)(B). |
| R072-P1-C083 | Information status, provenance, derivation, and downstream use are separate questions. In particular, satisfying a public-information definition does not itself establish lawful acquisition, unrestricted reuse, marketing permission, or a disclosure entitlement under all applicable law. This is the limited inference supported by the definition’s scope and Part313’s separate disclosure provisions. | S001 §§313.1(a), .3(n)–(p); C064. |
| Claim ID | Supported proposition and conditions | Exact evidence |
|---|---|---|
| R072-P1-C084 | Section 313.2(a) makes model-form use optional. Use consistent with Appendix A’s instructions supplies the stated compliance effect for notice-content requirements in §§313.6 and .7. It is not an unconditional whole-Part or all-law safe harbor, and no form compliance is determined here. | S001 §313.2(a); S010 instruction 37. |
| R072-P1-C085 | Section 313.2(b) makes examples nonexclusive and gives compliance with an example, to the extent applicable, an express compliance effect. The examples are therefore more than informal suggestions, but a generic resemblance does not establish all applicability predicates. | S001 §313.2(b); S010 instruction 37. ecfr.gov+1 |
| R072-P1-C086 | The original 2000 §313.1 had broader FTC-enforcement-based scope and named generic categories that the current scope no longer lists. Original §313.2 was titled “Rule of construction.” Those historical bodies must not be substituted for current §§313.1/.2. | S011 original §§313.1–.2; S001; S009 instruction 2; S010 instruction 37. |
| R072-P1-C087 | Historical §313.18 set November 13, 2000 effectiveness and July 1, 2001 compliance; included the post-November-12-1999 Board-activity/FTC-determination qualification; required the stated existing-customer notices by the compliance date; and provided the limited old service-contract grandfathering through its stated date. The whole provision was removed in 2021, effective January 10, 2022. | S011 complete §313.18(a)–(c); S009 instruction 7 and Dates. |
| R072-P1-C088 | The 2021 final rule’s instructions actually revise Part313’s authority citation, §313.1(b), and §313.3(e), (i), (j), (k), and (q). These bodies were read, not inferred from the rule’s summary or source credit. | S009 instructions 1–3, printed 70025–70026, PDF indices 5–6. |
| R072-P1-C089 | The 2021 text adds incidental activities to the selected financial-institution framework and removes §313.18. The FTC’s explanatory discussion states that a finder outside the motor-vehicle-dealer category is not brought into this Privacy Rule merely by connecting dealers and potential customers. The significant-engagement predicate remains. | S009 II.C, §313.18 discussion, instructions 2–3, 7; S001 §313.3(k). federalregister.gov |
| R072-P1-C090 | The 2009 amendatory instruction 37 supplies current §313.2’s model-form/examples text. Its general effective date was December 31, 2009. The January 1, 2012 exceptions in the Dates clause identify other removal instructions and do not postpone instruction 37. | S010 Dates and instruction 37. |
| R072-P1-C091 | Public Law111-203 §1093(3) changed GLBA rulemaking allocation. Section 1100H supplies its designated-transfer-date rule, subject to its express exceptions; §1029A supplies the corresponding subtitle trigger for §1029, also with stated exceptions. The opened Treasury designation fixes the Title X transfer date as July 21, 2011. This does not purport to resolve all transferred powers. | S012 §§1093(3), 1100H, 1029A; S013 Dates; S002/S003 notes. |
| R072-P1-C092 | OTS abolition under §5413 is tied to 90 days after the Title III transfer date. Section 5411 gives a one-year-after-enactment default, permits the specified extension no later than 18 months with consultation and congressional submissions, and requires publication of an extended designation within the stated 270-day period. No actual date was calculated or extension history resolved here. | S014 §§5411(a)–(b), 5413. |
| R072-P1-C093 | The 2009 official PDF could not be retrieved because the browsing response reported excessive content length. The official-host HTML provided the selected amendatory text and dates. This does not establish a PDF pixel/form read and does not erase the failed endpoint. | S010 retrieval and successful alternate. |
| R072-P1-C094 | Complete reading of the selected current bodies is different from an exhaustive amendment/judicial chain. The opened current compilations, selected final rules, and transfer provisions support the reported bounded framework; no absence of post-compilation law, judicial qualification, or unrelated amendment is asserted. | S001–S016, stated read bounds and dates; source-read log below. |
| R072-P1-C095 | No actual coverage, consent, sharing, exemption, representation, confidentiality, deletion/access, enforcement, remedy, or operational-compliance finding follows from this investigation. Those predicates and regimes were withheld by scope and are not supplied by generic definitions. | Scope of this investigation; C006–C094 and the explicit unresolved inquiries below. |
| Question | Selected legal category | What must remain separate | Claims/sources |
|---|---|---|---|
| Is an activity financially related? | The incorporated §1843(k)/Regulation Y activity categories may be relevant. | Financial subject matter alone does not establish significant engagement, dealer status, FTC rulemaking jurisdiction, or consumer-purpose information. | C007, C026–C041; S001–S004, S007. |
| Is the institution significantly engaged? | §313.3(k) supplies a business/activity predicate. | No universal numeric engagement test appears in the selected rule. It is distinct from predominantly engaging in the specified dealer business. | C007, C026; S001. |
| Is it within FTC Part313 jurisdiction? | §§313.1(b), .3(q), §6804(a)(1)(C), and §5519 form the selected jurisdictional chain. | Other regulator rules, enforcement powers, and activity-specific §5519(b) qualifications require their own analysis. | C004, C007–C012, C023–C025; S001–S003. |
| Does accepting payment suffice? | The rule supplies a negative example for merely accepting the listed payment forms. | Separate credit, leasing, or other qualifying activity is not negated by that example. | C027; S001 §313.3(k)(4). |
| Does information brokerage suffice? | §313.3(l)(2) has a consumer-request/application and financial-product nexus; the incorporated finder category has separate conditions. | Neither category establishes dealer status or authorizes marketing, representation, or sharing. | C034–C041, C089; S001, S007, S009. |
| Are company or commercial-purpose records covered? | §313.1(b) excludes the described company and business/commercial/agricultural-purpose information from this Part. | Other privacy, security, contract, professional, or sector-specific law is not resolved. | C006, C095; S001. |
| Does a statutory exclusion settle every privacy regime? | §6809(3)(B)–(D) has specific exclusions and conditions. | CFTC authority, other federal regimes, and State insurance authority remain distinct. | C020–C023; S002, S005, S015. |
| Category | Defining distinction | Selected examples or qualification | What remains unresolved |
|---|---|---|---|
| Consumer | Individual obtains or has obtained the specified product/service from “you,” or legal representative. | Credit application and qualification inquiry may count without extension of credit. | Actual financial-service nexus, purpose, institutional scope, and representative authority. C050–C052. |
| Customer | Consumer with a continuing customer relationship. | §313.3(i)’s account, loan, insurance, arrangement, lease, and servicing examples. | Actual continuation and applicable timing/duties. C057–C058. |
| Isolated consumer transaction | Consumer status can exist without continuation. | Isolated check-cashing/wire-transfer and one-time appraisal examples. | No inference that all information or downstream duties disappear. C059, C065–C083. |
| Ownership/servicing role | Ownership or servicing rights supply the stated consumer example. | Joint rights and use of a collection agent are expressly addressed. | No finding about actual rights, assignment validity, debt validity, or agency authority. C053. |
| Processor/agent for another institution | That role alone does not make the other institution’s consumer its own consumer. | Negative example is qualified by “solely.” | Other duties and independently qualifying relationships. C054. |
| Former customer | No standalone definition in §§313.1–.3. | Past relationship information appears in §313.3(o); §313.5(b) is the next specific component. | Actual termination, timing, annual-notice treatment, and continuing restrictions. C060. |
| Affiliate | Company plus any applicable control route. | Share/vote, majority-election, and controlling-influence alternatives. | Actual ownership/control and investment-activity qualification. C048–C049, C063. |
| Nonaffiliated third party | Defined residual category with exceptions and an express investment-company inclusion. | Joint employee differs from the other employing company. | No sharing permission follows from either label. C062–C064. |
| Information category | Required distinction | Classification limit | Claims/sources |
|---|---|---|---|
| Consumer-provided information | Provided to obtain a financial product/service. | Direct submission is one route, not the only route. | C069; S001 §313.3(o)(1)(i). |
| Transaction-result information | Results from the specified institution–consumer financial transaction. | Mere possession is not the stated test. | C070; S001 §313.3(o)(1)(ii). |
| Otherwise-obtained information | Obtained about the consumer in connection with providing the financial product/service. | Financial-service connection remains necessary. | C071, C074–C075; S001 §313.3(o). |
| Relationship-revealing information | Reveals current/past customer or consumer status. | Information need not be a balance or account number to fall within the examples. | C073; S001 §313.3(o)(2)(i)(C)–(D). |
| Public fields in a derived grouping | Derivation uses any nonpublic PIFI, wholly or partly in the stated example. | Public output fields do not alone establish exclusion. | C065–C068; S001 §313.3(n). |
| Public-only grouping | Public-only content, no prohibited derivation, and no relationship-revealing disclosure in the negative example. | All stated example conditions must be preserved. | C068; S001 §313.3(n)(3)(ii). |
| Nonidentifying aggregate/blind data | Does not identify a consumer and lacks personal identifiers. | “Aggregate” is not sufficient if identification remains. | C077; S001 §313.3(o)(2)(ii)(B). |
| Publicly available information | Reasonable basis for lawful general-public availability from the stated source classes. | A source label or accessibility claim is insufficient without the required basis. | C078–C082; S001 §313.3(p). |
| Permission to use/share | Separate downstream/legal question. | None of the definitions is a universal permission. | C064, C083, C095. |
These are unexamined next components, not conclusions about their complete rules. Locating a heading, cross-reference, or returned fragment did not convert it into a full downstream investigation.
| Unresolved consequence | Precise next public-law location | Limit retained in this pass |
|---|---|---|
| Initial notice; establishment of customer relationship for notice purposes | 16 CFR §313.4, particularly (a), (c), and applicable qualifications | No actual notice trigger, deadline, or assent finding. |
| Former-customer/annual-notice treatment | §313.5, particularly (b)(1)–(2) | No imported former-customer timing rule or annual-notice exemption conclusion. |
| Notice content and model form | §313.6; Appendix A and its instructions | Only §313.2’s conditional content-compliance statement established. |
| Opt-out notice, methods, and related consequences | §313.7 | No complete opt-out rule, deadline, or consent conclusion. |
| Revised notices and delivery | §§313.8–313.9 | No electronic-consent, delivery, or e-signature conclusion. |
| Disclosure to nonaffiliated third parties | §313.10 | Category definition is not permission. |
| Redisclosure/reuse | §313.11 | Receipt of information does not establish unrestricted reuse. |
| Account-number marketing restrictions | §313.12 | No account data or marketing practice examined. |
| Service-provider/joint-marketing and other exceptions | §§313.13–313.15 | No exception is applied from a definition or partial returned passage. |
| FCRA and State-law interaction | §§313.16–313.17, plus the independently applicable statutes | No universal preemption, FCRA outcome, or State-law conclusion. |
| Other regulator jurisdiction | 15 U.S.C. §6805; 12 CFR Part1016; 7 U.S.C. §7b-2, as appropriate to a generic category | No complete Regulation P, CFTC, securities, insurance, or enforcement dossier. |
| Security, access/deletion, marketing, representation, or privilege | Their separate applicable public authorities | Not supplied by §§313.1–.3 and outside this pass. |
The map follows S001’s organization and express cross-references, S002’s authority references, and the limitations in C005, C023, C060–C064, C083–C085, and C095. ecfr.gov+3
Status convention: “Answered boundary” means the selected generic legal distinction is supported. It does not mean actual applicability is established. All actual factual predicates remain absent. A next inquiry involving a held downstream regime is a possible later, separately scoped public-law inquiry, not work performed or authorized operational action.
| Branch; status | Supported conditional rule and cumulative conditions | Exact claims/sources | Missing evidence or authority | Adverse inference to avoid | Next permissible generic public-law inquiry |
|---|---|---|---|---|---|
| B01 — Covered jurisdiction unknown. Answered boundary; application unresolved. | Financial-institution status must be combined with the FTC rulemaking category and §5519 qualifications. | C004, C007–C012, C025; S001 §§313.1(b), .3(q); S002 §6804(a)(1)(C); S003. | Dealer-category, licensing, custody/ownership, business mix, and activity qualifications. | Every financial business is governed by FTC Part313. | Examine the interaction of §5519(a), each relevant (b) function, and §6804(a)(1)(C) for the generic category. |
| B02 — Activity/degree of engagement unknown. Answered boundary. | A qualifying financial/incidental activity and significant engagement are required; dealer predominance is separate. | C007, C026–C033; S001 §313.3(k); S004; S007. | Activity classification, applicable conditions, and degree-of-engagement facts; no numeric formula in selected text. | Any occasional financial involvement establishes coverage. | Read an official generic interpretation specifically addressing significant engagement in the relevant activity, without an institution lookup. |
| B03 — Consumer/commercial purpose unknown. Answered boundary. | Information must concern the specified primarily personal/family/household products/services; the stated company/commercial categories are outside this Part. | C006, C050; S001 §§313.1(b), .3(e). | Actual purpose and mixed-purpose classification. | All data about an individual is covered, or all business data is exempt from every privacy law. | Examine official generic interpretation of “primarily” under the selected rule if mixed-purpose classification becomes necessary. |
| B04 — Consumer versus customer. Answered boundary. | Consumer status and a continuing customer relationship are different predicates. | C050–C052, C057–C059; S001 §313.3(e), (h), (i). | Whether a financial service was obtained and whether the relationship continues. | An unsuccessful applicant cannot be a consumer, or every consumer is a customer. | Read §313.4’s relationship-timing provisions only if the downstream notice component is later undertaken. |
| B05 — Transaction versus continuation. Answered boundary. | Isolated transactions fit the negative continuation example; accounts, loans, arrangements, leases, or servicing can fit positive examples when applicable. | C057–C059; S001 §313.3(i). | Nature and continuation of the generic relationship; actual agreements remain held. | One transaction always creates—or can never create—a customer relationship. | Compare the complete §313.3(i) examples with official generic interpretation of the category in question. |
| B06 — Former customer. Partial by selected scope. | No separate former-customer definition appears in the selected glossary; past relationship information is expressly included in information examples. | C060, C073; S001 §313.3(o); locator §313.5(b). | Downstream termination criteria, timing, and continuing duties. | Closing a relationship makes information public, deletes duties, or supplies a universal elapsed-time rule. | Open complete §313.5(b) in its necessary context as a separate component. |
| B07 — Individual versus entity. Answered boundary. | Part313 consumer status concerns an individual or legal representative; company/person definitions serve different functions. | C006, C017–C019, C042, C050; S001, S016. | Correct statutory vocabulary and purpose; no actual legal-form finding. | Because an entity is a “person” or “company,” its business information is consumer information under Part313. | Compare the applicable definition’s own statutory scope; do not transplant Title X definitions into Part313. |
| B08 — Affiliate/control absent. Answered boundary. | Any of the three alternative control routes may matter; the share test is not exclusive. | C048–C049; S001 §313.3(a), (g). | Voting-class denominator, election control, management/policy influence, indirect arrangements. | Less than 25% ownership proves nonaffiliation. | Read official generic interpretations of the particular §313.3(g) control route. |
| B09 — Nonaffiliated category/joint employee. Answered boundary. | Apply the affiliate exclusion and joint-employee exception, while retaining the other employing company as included. | C062; S001 §313.3(m)(1). | Affiliation and joint-employment predicates. | A shared employee makes the other company an affiliate or authorizes sharing. | Examine the exact category interaction in §313.3(m)(1); downstream disclosure analysis would begin separately at §313.10. |
| B10 — Investment-affiliate qualification. Partial. | The specified investment-ownership category is expressly included as nonaffiliated, subject to identifying the statutory activity type. | C038–C039, C063; S001 §313.3(m)(2); S004 §1843(k)(4)(H)/(I), (7). | Applicable investment authority, holder type, management/holding conditions, and any conditional authorization. | Ordinary corporate-control affiliation defeats the special inclusion. | Read only the relevant generic implementing provisions for (H) or (I), including the §1843(k)(7)(B) authorization question if indispensable. |
| B11 — Supplied versus derived information. Answered boundary. | Directly supplied information is one PIFI route; derivation using nonpublic PIFI can make a grouping NPI. | C065–C071; S001 §313.3(n), (o)(1). | Generic provenance and derivation method; all actual data held. | Public output fields prove an unprotected grouping. | Examine the full derivation conditions in §313.3(n), using blank provenance fields only. |
| B12 — Otherwise obtained/cookie/report information. Answered boundary; broader regimes held. | The financial-service connection remains required; specified collection, cookie, and consumer-report examples are included. | C071, C074–C075; S001 §313.3(o). | Connection to providing a product/service; full FCRA classification and other tracking law. | Every cookie is governed by Part313, or this definition permits collecting/using reports. | For classification only, examine §1681a(d) and necessary generic exclusions in a separately scoped FCRA inquiry. |
| B13 — Public availability/reasonable basis. Answered boundary. | Lawful general-public availability plus the stated reasonable-basis steps must be preserved. | C078–C079; S001 §313.3(p)(1)–(2). | Public-source category, type, suppression mechanism, and whether suppression was exercised. | A public-source assertion alone satisfies the definition. | Read official generic interpretation of the reasonable-basis/suppression conditions; no personal lookup. |
| B14 — Lists and groupings. Answered boundary. | Test derivation, content, and relationship-revealing disclosure separately; all conditions of the negative list example matter. | C065–C068, C077; S001 §313.3(n), (o)(2)(ii). | Whether nonpublic inputs were used and whether output/disclosure identifies consumers. | “List,” “aggregate,” or “public-only” is a conclusive label. | Compare complete §313.3(n)(3) and the nonidentifying-information exclusion. |
| B15 — Claimed public source unauthenticated. Answered boundary. | The rule supplies source categories and specific reasonable-basis examples; it does not authenticate a provider’s assertion. | C078–C082; S001 §313.3(p). | Relevant public-record law/jurisdiction or media-access conditions. | Public availability creates a general use, marketing, or disclosure license. | Research the generic law governing availability of that record category, without querying any record or subject. |
| B16 — Separate regulator/authority boundary. Partial. | FTC rulemaking scope differs from other regulatory grants; §5519(b) retains activity qualifications. | C009–C011, C020–C024; S002–S005, S016. | Complete §6805, Regulation P, CFTC, securities, insurance, and Title X product-category analysis. | Outside FTC Part313 means outside federal financial privacy, or FTC has no other authority. | Open the appropriate generic jurisdiction provision and current corresponding regulator rule as a separate component. |
| B17 — Category example versus applicability. Answered boundary. | Examples are nonexclusive and carry an express compliance effect to the extent applicable. | C058–C059, C084–C085; S001 §§313.2, .3. | Every factual and scope predicate needed for the example. | An example is merely informal, or a matching label conclusively proves compliance. | Read the whole relevant example alongside §§313.1 and .2 and any indispensable definition. |
| B18 — Historical transition unknown. Answered selected transition; broader history unresolved. | Current text must be separated from the original broad scope, the 2009 §313.2 replacement, and the 2021 incidental-activity/§313.18 changes. | C086–C091, C094; S009–S013. | Complete unexamined intervening/later history and application to any historical event. | Old examples or a removed transition exception govern current scope. | Review official amendments specifically affecting §§313.1–.3 after the displayed compilation boundary. |
| B19 — Downstream notice/opt-out/sharing unexamined. Excluded by scope. | Definitions and purposes identify the next provisions but do not supply their full conditions. | C005, C064, C083–C085; S001. | Complete §§313.4–.15 and Appendix A as relevant. | Classification establishes consent, notice sufficiency, sharing permission, or an exception. | Select and read the exact downstream provision from §4’s map, with all necessary qualifications. |
| B20 — Debt-relief role versus activity. Answered boundary; application unresolved. | A collector/adviser/debt-relief label does not replace the activity, significant-engagement, FTC-jurisdiction, and consumer-purpose predicates. | C007, C026–C041, C086, C089; S001, S004, S007, S009. | Actual covered activity, business mix, institutional category, and applicable alternative regime. | Every debt-relief provider is covered, or removal of old examples means universal exemption. | Examine the generic activity classification and the correct regulator’s jurisdiction without provider searches. |
| B21 — State/other federal law. Excluded by scope. | The selected definitions do not decide other laws; statute preserves specified other agency/insurance authority boundaries. | C011, C023, C064, C083, C095; S002–S003. | Complete applicable other law and jurisdiction. | Universal preemption or a comprehensive privacy exemption. | Begin with §§313.16–.17 and the specific generic other-law interaction, if separately authorized. |
| B22 — Legal representative unknown. Answered definition; authority unresolved. | Legal-representative inclusion is a status definition; it is not appointment, consent, or delegated authority. | C050, C064; S001 §313.3(e)(1); S005 §6809(9). | Governing representation law and actual authority, both held. | Consumer terminology creates a power of attorney, privilege, or authority to settle. | Research only the separate generic representation-authority law if that component becomes necessary. |
| B23 — Clear/conspicuous or model-form claim. Answered selected standard; compliance unresolved. | Both notice qualities and applicable example conditions matter. Model-form content compliance additionally requires Appendix A consistency. | C043–C046, C084–C085; S001 §313.3(b), §313.2. | Complete downstream content/delivery rules and actual notice/form, which remain absent. | A readable font, hyperlink, signature, or copied form alone proves all-law compliance. | Read Appendix A and §§313.6–.9 as a separate notice component; no notice is drafted here. |
| B24 — Currentness/source access failure. Partial. | S010’s PDF failure remains; selected official-host text was read. Compilation labels and source credits do not establish every later-law event. | C002–C003, C090, C093–C094; S001, S010. | PDF visual verification and unexamined later history. | Successful alternate text erases a failed original or proves a whole-document/pixel read. | Reopen the ordinary public official PDF if accessible later, or compare an official published CFR edition for the exact selected text. |
| B25 — Statutory exclusion category unknown. Answered boundaries; application unresolved. | CFTC activity, Farm Credit, and congressional-secondary-market exclusions have different predicates; the last includes a no-sale/transfer condition. | C020–C022; S005 §6809(3); S015. | Category-specific authority and all actual predicates. | All exclusions are interchangeable or establish total immunity from privacy law. | Read the exact referenced category statute and corresponding regulator authority only if indispensable. |
| B26 — Lease duration/activity boundary. Answered text; edge application unresolved. | Preserve the example’s longer-than-90-day wording and the incorporated activity’s at-least-90-day initial-term wording, together with nonoperating and other applicable conditions. | C028–C029; S001 §313.3(k)(2); S007 §225.28(b)(3). | Actual lease facts and any authoritative generic interpretation of the example’s precise boundary. | Exactly 90 days is automatically within the longer-than example, or duration alone establishes coverage. | Seek an official generic clarification of this textual distinction; do not calculate an actual term. |
| B27 — Vehicle/dealer category unknown. Partial. | Section 5519(f) uses a broader vehicle list and licensing/custody predicates, with narrow vehicle-definition incorporations. | C012–C019; S003, S008, S016. | Technical category, relevant licensing authority, successor history, and actual facts. | Every retailer, vehicle-related website, or titled item is a covered dealer. | Examine only the relevant generic §5519(f)/incorporated-definition question; no license or institution lookup. |
This register preserves quantities that affect the findings above. It does not import incidental numbers from unexamined neighboring regimes into Part313. No actual deadline, holding period, ownership percentage, vehicle specification, or financial amount is calculated.
| Measure ID | Source quantity or period | Actor/object; trigger and unit | Boundary and qualifications | Claim/source |
|---|---|---|---|---|
| M01 | 25% or more | Company-control test; outstanding shares of any class of voting security. | Inclusive threshold. Ownership, control, or power to vote; direct, indirect, or through others. Other control alternatives remain. | C048–C049; S001 §313.3(g). |
| M02 | Majority | Control over election of directors, trustees, general partners, or equivalent roles. | The source uses majority; no voting calculation or actual governing body is supplied. | C049; S001 §313.3(g)(2). |
| M03 | One or more products/services | Continuing customer relationship. | Minimum category count does not replace continuation or primarily personal-purpose conditions. | C057; S001 §313.3(i)(1). |
| M04 | Longer than 90 days | Usual-business, nonoperating automobile-leasing example. | Strictly longer wording; not a universal customer-relationship period. | C028; S001 §313.3(k)(2). |
| M05 | Initial term at least 90 days | Incorporated leasing activity. | Inclusive minimum; nonoperating and other applicable §225.28(b)(3) conditions remain. No actual term/counting convention assumed. | C028–C029; S007 §225.28(b)(3)(ii). |
| M06 | Return not less than full investment plus estimated financing cost; residual value not over 25% of acquisition cost | Incorporated real-property leasing conditions, assessed at inception of initial lease. | Minimum return and inclusive residual-value ceiling. Specified rental, tax-benefit, and residual inputs; not a model for consumer affordability or automobile payments. | C029; S007 §225.28(b)(3)(iii)(A)–(B). |
| M07 | At least four listed facilities; separate 110–125 volt supply and/or propane is one listed facility | Incorporated motor-home/recreation-trailer category. | Inclusive facility count; voltage is the stated facility description, not a privacy threshold. All other vehicle-definition predicates remain. | C014–C015; S008 §571.3(b). |
| M08 | 10 persons or less | Incorporated multipurpose-passenger-vehicle design capacity. | Inclusive upper bound; excludes low-speed vehicle or trailer and retains truck-chassis/special off-road-feature condition. No actual vehicle classification. | C014; S008 §571.3(b). |
| M09 | November 12, 1999 / preceding-day references | Historical Board activity incorporations. | These are legal reference dates in §1843(k)(4)(F)–(G); they are not a present business-duration threshold. The old separate FTC transition qualification was later removed. | C031, C087–C089; S004, S009, S011. |
| M10 | 30 days in each §1843(k)(2) coordination route | Treasury response after receipt of Board notice; Board initiation decision after receipt of Treasury recommendation. | “Not later than” boundary; each route allows the specified longer period. Banking classification procedure, not a consumer response deadline. | C032; S004 §1843(k)(2)(A)(ii), (B)(ii). |
| M11 | November 13, 2000; July 1, 2001 | Original rule effectiveness and compliance/existing-customer notice transition. | Historical fixed dates. Old §313.18(b) used “by” and identified customers on the compliance date. Removed provision, not a current notice deadline. | C087; S011 §313.18(a)–(b). |
| M12 | Old service-contract grandfathering: contracts entered on or before July 1, 2000, treatment until July 1, 2002 | Historical nonaffiliated service/function contracts under old §313.18(c). | Inclusive entry-date wording; “until” preserved without inventing a time-of-day/counting rule. Limited stated confidentiality-term treatment; not current permission. | C087; S011 §313.18(c); S009 instruction 7. |
| M13 | December 31, 2009; January 1, 2012 exception date | 2009 final-rule amendment effectiveness. | Instruction 37 follows the general date. Delayed dates concern the specifically identified other removal instructions. | C090; S010 Dates, instruction 37. |
| M14 | July 21, 2011 designated transfer date | Title X authority-transfer trigger. | Published designation, not a calculated date. §1029A excepts §§1022, 1024, 1025(e); §1100H retains its other-provision qualification and excludes §§1081–1082 from its general trigger. | C091; S012–S013. |
| M15 | January 10, 2022 | Effectiveness of 2021 FTC amendments. | Applies to the amendments as stated in the final rule, including selected scope/definition changes and §313.18 removal. | C088–C089; S009 Dates. |
| M16 | Title III: 1 year default; extension no later than 18 months; extension notice no later than 270 days; abolition 90 days after transfer date | §5411 transfer process and §5413 abolition. | Preserve consultation, infeasibility determination, explanation, designated date, implementation steps, and publication predicates. No extension history or actual resulting date calculated. | C092; S014. |
The row labels identify analytical subjects only. Every evidence, authority-entry, analysis, and result cell is genuinely blank. This is not a request to supply identifying records or private information.
| Blank field | Evidence | Authority entry | Analysis | Result |
|---|---|---|---|---|
| Source title and issuer | ||||
| Literal public source URL | ||||
| Exact section/subsection/read bounds | ||||
| Displayed compilation/version | ||||
| Publication date | ||||
| Effective/application provision | ||||
| Actual access date and time zone | ||||
| Original/alternate access and failure | ||||
| Legal publication status | ||||
| Selected federal jurisdiction category | ||||
| Incorporated statutory category | ||||
| Activity classification | ||||
| Degree-of-engagement predicate | ||||
| Dealer-predominance predicate | ||||
| Statutory function/exclusion qualification | ||||
| Individual/company/person distinction | ||||
| Personal/family/household purpose | ||||
| Business/commercial/agricultural boundary | ||||
| Consumer-status basis | ||||
| Customer/continuing-relationship basis | ||||
| Isolated-transaction distinction | ||||
| Former-relationship issue | ||||
| Legal-representative boundary | ||||
| Affiliate/control route | ||||
| Nonaffiliated-third-party qualification | ||||
| Joint-employee/other-company distinction | ||||
| Investment-activity qualification | ||||
| Collection/retrievability category | ||||
| Consumer-provided information route | ||||
| Transaction-result information route | ||||
| Otherwise-obtained financial connection | ||||
| Current/past relationship-revealing information | ||||
| List/grouping derivation | ||||
| Nonpublic input qualification | ||||
| Nonidentifying aggregate/blind-data qualification | ||||
| Public-source category | ||||
| Lawful general-public availability basis | ||||
| Publicly available type determination | ||||
| Suppression-choice predicate | ||||
| Disclosure-manner qualification | ||||
| Applicable example and its limits | ||||
| Clear/conspicuous definition issue | ||||
| Amendment/transition issue | ||||
| Quantity/unit/denominator/trigger | ||||
| Inclusive/strict/undefined boundary | ||||
| Downstream authority not yet examined | ||||
| Other federal/State/tribal law boundary | ||||
| Missing public authority | ||||
| Unresolved application issue | ||||
| Next generic public-law inquiry |
Answered means answered within the selected public-text scope. Partial identifies a specific retained gap. Excluded means outside the authorized component, not legally irrelevant.
| Request/subquestion | Status and finding | Claim/source/branch crosswalk | Missing evidence and exact next permissible inquiry |
|---|---|---|---|
| 1.1 Complete §313.1 | Answered: all purpose and scope text read. | C001, C004–C013; S001–S003. | Actual application absent; B01–B03 govern the next generic classification inquiry. |
| 1.2 Complete §313.2 | Answered: both paragraphs and conditions read; current organization differs from original title. | C084–C086, C090; S001, S010–S011. | Appendix A/full notice application excluded; next component is Appendix A with §§313.6–.9. |
| 1.3 Complete §313.3 | Answered: opening qualification and every definition/example through (q). | C024–C083; S001. | Actual predicates absent; no additional definition assumed. |
| 1.4 Issuer/title/authority/status | Answered with publication-status limit. | C001–C004; S001–S003, S009–S012. | No unseen UI/model provenance or exhaustive later-law certification. |
| 1.5 Currentness/access/effective triggers | Partial: actual access, displayed currency, selected amendments and triggers established. | C002–C003, C086–C094; S001, S009–S014. | Later enactment/judicial chain unexamined; check official amendments specifically affecting selected sections after displayed cutoff. |
| 1.6 Indispensable statutory category | Answered for selected boundary: §6804/§5519 and relevant §1843(k), §6809, §1681a(f) text read. | C004–C041, C056; S002–S007. | Full referenced regimes held; exact next locations listed in §4 and B10/B16/B25. |
| 1.7 Additional vehicle/person definitions | Partial: narrow incorporated categories read. | C012–C019; S008, S016; B27. | Complete technical/successor and CFPA product-category analysis not done; next is only the indispensable category provision. |
| 2.1 Jurisdiction versus financial involvement | Answered boundary. | C004, C007–C012, C025–C027; B01–B02. | No actual institutional/business predicates. |
| 2.2 Financial and incidental activity | Answered selected categories and conditions; broader catalog application held. | C026–C041; S004, S007; B02/B20. | Any new activity needs its current generic classification authority. |
| 2.3 Significant versus predominant engagement | Answered distinction; factual application unresolved. | C007, C026; B02. | No numeric significant/predominant formula established; seek official generic interpretation if needed. |
| 2.4 Consumer versus commercial purpose | Answered selected scope. | C006, C050; B03/B07. | Mixed-purpose and other-law treatment held. |
| 2.5 Express inclusions/exclusions | Answered as qualified categories. | C008–C022, C027–C029; B25–B27. | No actual assignment, charter, licensing, or investment facts. |
| 2.6 Illustrative examples’ legal function | Answered: nonexclusive with conditional compliance effect. | C084–C085; B17. | A category resemblance does not establish applicability. |
| 2.7 Generic debt-relief/retailer/adviser/website roles | Answered boundary; actual classification unresolved. | C027, C033–C041, C089; B20. | Correct activity and regulator inquiry remains necessary. |
| 3.1 Affiliate/company/control | Answered complete selected definitions. | C042, C048–C049; S001; B08. | Actual control absent; next generic inquiry must address the particular control route. |
| 3.2 Consumer and legal representative | Answered definition and all five examples. | C050–C055; B04/B07/B22. | Actual representation authority and financial nexus held. |
| 3.3 Customer/customer relationship | Answered definition and positive/negative examples. | C057–C059; B04–B05. | Downstream timing/duty provisions remain separate. |
| 3.4 Former customer | Partial; branch adapted: not a standalone selected definition. | C060, C073; B06. | Complete §313.5(b) is the specific next inquiry. |
| 3.5 Nonaffiliated third party | Answered base/joint-employee rules; investment application partial. | C038–C039, C062–C063; B09–B10. | Underlying investment-authority predicates held. |
| 3.6 Financial institution/product/service/you | Answered selected definitions and jurisdiction linkage. | C025–C041; B01/B02/B20. | Actual institution or activity not classified. |
| 3.7 Other glossary terms | Answered: clear/conspicuous, collect, company, consumer-reporting agency, federal functional regulator. | C024, C042–C047, C056; S001, S005–S006. | Full notices, FCRA, and successor-agency mapping excluded. |
| 3.8 No inferred consent/authority/privilege/entitlement | Answered boundary. | C064, C095; B19/B22. | Relevant separate substantive authority would be required. |
| 4.1 NPI definition and exclusions | Answered complete selected text. | C065–C068; S001; B11/B14. | Actual derivation and disclosure manner absent. |
| 4.2 PIFI three routes | Answered. | C069–C071; B11–B12. | Actual source/transaction/service connection absent. |
| 4.3 PIFI included examples | Answered: all (o)(2)(i)(A)–(G) covered. | C072–C075. | No records, cookies, or reports inspected. |
| 4.4 PIFI excluded examples | Answered: both (o)(2)(ii) examples covered. | C076–C077; B14. | Actual institution-status and nonidentification predicates absent. |
| 4.5 Publicly available information | Answered three source classes and lawful/reasonable-basis conditions. | C078–C079; B13/B15. | No provenance or suppression facts established. |
| 4.6 Every public-information example | Answered: records, media, websites, relevant-recording-jurisdiction and telephone examples. | C080–C082; S001. | No public-record or person lookup undertaken. |
| 4.7 Public availability versus permission | Answered boundary. | C083; B15/B19/B21. | Downstream and other-law permissions remain unexamined. |
| 5.1 Original 2000 scope/transition | Answered selected historical text. | C086–C087; S011. | No complete original-rule or historical application dossier. |
| 5.2 2009 §313.2 amendment | Answered text/dates; PDF access partial. | C090, C093; S010. | Official PDF visual read unavailable; ordinary later reopening is permissible. |
| 5.3 2010 authority transfer | Answered selected amendatory body and date designation. | C091; S012–S013. | Complete transfer-of-powers and other regulator rules held. |
| 5.4 2021 scope/definitions/removal | Answered selected amendatory body and effective date. | C088–C089; S009. | Other 2021 downstream amendments not fully analyzed. |
| 5.5 Regulator-list alignment | Partial: current regulatory list, statutory list, and abolition provisions distinguished. | C024, C092; S005, S009, S014. | Complete successor-authority/extension history not determined. |
| 5.6 Later law/judicial/enforcement/remedies | Unresolved or excluded as specified. | C094–C095. | No no-later-law, preemption, standing, penalty, private-action, or judicial-resolution claim. |
| 6.1 Source-linked comparisons | Answered: category, relationship, and information comparisons supplied. | §3; C004–C085. | Actual applicability remains absent. |
| 6.2 Conditional branches | Answered: B01–B27 each includes rule, conditions, missing predicates, adverse inference, and next inquiry. | §5, including every requested branch subject. | Individual branch status remains controlling; no blanket application finding. |
| 7.1 Wholly blank worksheet | Answered: all evidence/authority/analysis/result cells blank. | §7. | No records requested or completed entries created. |
| 7.2 Quantities/periods/triggers | Answered for reported findings: measurement register supplied. | M01–M16; relevant claims. | No actual calculations; counting/application issues remain where not supplied by the text. |
| 7.3 Numerical model/calendar arithmetic | Excluded: unnecessary and not performed. | Scope; §6. | No model or actual deadline is needed to establish these definitions. |
| All requests — parent/operational/publication acceptance | Excluded: no acceptance or application approval supplied. | C095; §10. | All parent holds remain. |
The full missing predicates and next inquiries are in the corresponding branch rows, rather than replaced by a generic “rules vary” statement.
| Requested branch subject | Coverage row | Finding/claim crosswalk | Remaining issue and exact inquiry pointer |
|---|---|---|---|
| Covered jurisdiction unknown | B01 | C004, C007–C012, C025 | §5519/§6804 category interaction. |
| Activity and engagement unknown | B02 | C026–C033 | Generic significant-engagement interpretation. |
| Consumer/commercial purpose | B03 | C006, C050 | “Primarily” and mixed-purpose interpretation. |
| Consumer/customer | B04 | C050–C059 | §313.4 timing if later needed. |
| Transaction/continuing relationship | B05 | C057–C059 | Complete category-specific §313.3(i) analysis. |
| Former customer | B06 | C060, C073 | Complete §313.5(b). |
| Individual/entity | B07 | C006, C017–C019, C042, C050 | Definition-specific statutory scope. |
| Affiliate/control | B08 | C048–C049 | Applicable §313.3(g) control route. |
| Nonaffiliated third party | B09–B10 | C038–C039, C062–C063 | Joint-employment or investment-category predicates. |
| Supplied/derived information | B11 | C065–C071 | §313.3(n) provenance/derivation analysis. |
| Otherwise obtained information | B12 | C071, C074–C075 | Financial connection; separate §1681a(d) if necessary. |
| Public availability/reasonable basis | B13 | C078–C079 | Public type and suppression conditions. |
| Lists/groupings | B14 | C065–C068, C077 | Derivation plus identification/disclosure manner. |
| Claimed public source | B15 | C078–C082 | Generic record-availability law, without record queries. |
| Separate regulator boundary | B16 | C009–C024 | Exact corresponding regulator/jurisdiction provisions. |
| Example/applicability | B17 | C058–C059, C084–C085 | Whole example plus scope predicates. |
| Historical transition | B18 | C086–C094 | Official amendments after displayed boundary. |
| Downstream rules unexamined | B19 | C005, C064, C083–C085 | Precise locations in §4. |
| Debt-relief role/activity | B20 | C007, C026–C041, C089 | Generic activity and correct regulator analysis. |
| State/other federal law | B21 | C011, C023, C083, C095 | §§313.16–.17 plus specific other-law component. |
| Additional representative boundary | B22 | C050, C064 | Separate generic representation authority. |
| Additional notice/model boundary | B23 | C043–C046, C084–C085 | Appendix A and §§313.6–.9. |
| Additional source-failure/currentness boundary | B24 | C002–C003, C090, C093–C094 | Ordinary official PDF reopening/published-edition comparison. |
| Additional statutory-exclusion boundary | B25 | C020–C022 | Exact exclusion and corresponding authority. |
| Additional duration boundary | B26 | C028–C029 | Official clarification of >90 versus ≥90 wording. |
| Additional vehicle/dealer boundary | B27 | C012–C019 | Narrow statutory/technical category and successor inquiry. |
This log groups repeated opens/finds of the same source. It distinguishes a completed selected-body reading from navigation, discovery, incidental returned text, and unexamined material.
| Log item | Source/endpoint | Result and actual reading | Evidentiary treatment |
|---|---|---|---|
| L01 | S001 individual §§313.1, .2, .3 | Successfully opened; all selected provisions and examples read across initial and continuation views. | Primary current-compilation evidence. |
| L02 | S001 aggregate Part313 | Successfully opened; authority, organization, complete §313.2, and selected-body context read. | Same regulatory instrument; not independent corroboration. Different displayed §313.2 currency retained. |
| L03 | S002–S006 OLRC statutes | Successfully opened. §6804 and §5519 complete bodies; §1843(k) selected complete subsection; §6809 definition body; §1681a(f) narrow definition. | Reliance restricted to stated bounds. Other returned FCRA/BHCA text not treated as complete regime analysis. |
| L04 | S007 Regulation Y | Both endpoints accessible. Selected §225.28 activity/lease text and footnote; §225.86 activity/finder/determination text read. | Current incorporated-category evidence. Institution-specific authorizing orders not opened. |
| L05 | S008 vehicle definitions | Both current endpoints accessible; relevant definitions read. | Narrow §5519 category tracing only; no vehicle, license, or safety-compliance determination. |
| L06 | S009 2021 final rule, HTML and official PDF | Both accessible. Dates and complete selected instructions1–3 and7 read; pertinent explanation read. | Regulatory text distinguished from agency explanation; related formats grouped. No PDF-pixel claim. |
| L07 — failure preserved | https://www.govinfo.gov/content/pkg/FR-2009-12-01/pdf/E9-27882.pdf | Retrieval failed: 400 / content length too large, 35,798,204 bytes as reported by the browsing response. | No PDF body, page-index, or form-visual verification claimed. This was a retrieval limitation, not proof that the agency withdrew or removed the rule. |
| L08 — ordinary alternate | S010 GovInfo HTML and FederalRegister.gov HTML | Public text alternate accessible; Dates and complete FTC instruction37/§313.2 read. | Supports selected amendatory text and date. Does not erase L07 or authenticate unseen model-form graphics. |
| L09 | S011 original 2000 PDF | Accessible; selected original §§313.1–.2 and full old §313.18 read. | Historical evidence only where superseded/removed; no complete 44-page reading claim. |
| L10 | S012 Public Law111-203 PDF | Accessible; selected amendment and effective-trigger provisions read. | No claim to have read all849 pages or resolved the entire transfer framework. |
| L11 | S013 transfer-date notice PDF | Accessible; designation/Dates and pertinent context read. | Title X date evidence. Adjacent unrelated notices not used. |
| L12 | S014–S016 narrow statutory openings | Accessible; specified abolition, incorporated transaction, and Title X definition provisions read. | Narrow cross-reference/context evidence only. |
| L13 — discovery only | Search results for official rule history/current amendments; FTC rule-library/older FAQ hits; mirrors and indexes | Used to locate sources. No mirror or search snippet substituted for a current official statutory/regulatory body. | No claim of exhaustive search or absence of later amendments. Older FAQ and mirror statements were not substantive foundations. |
| L14 — held downstream material | Part313 notice/sharing provisions, model-form material, and adjacent statutory text appearing in search/open results | Some headings/fragments were returned while locating exact cross-references. | Not characterized as a full read or full analysis of those regimes; no downstream permission inferred. |
No other access failure was identified among the selected bodies. The eCFR unsupported-browser notice did not prevent the selected text from being retrieved and read; it is not represented as a substantive source failure.
| Gap | What is established | What is not established | Next permissible generic inquiry |
|---|---|---|---|
| Actual applicability | Generic cumulative scope and definition predicates. | Any actual institution’s status, licensing, activities, predominance, significant engagement, or consumer purpose. | Category-specific public law only; actual records remain held. |
| Full currentness chain | Displayed October2026 compilations and selected actual amendatory instruments. | Exhaustive post-cutoff enactments, all intervening amendments, judicial treatment, stays, or complete successor history. | Official amendment/history review confined to the selected provisions. |
| 2009 PDF/visual evidence | Selected official-host text amendment and dates. | Official PDF pixels, PDF page indices, or complete model-form visual/instruction review. | Ordinary public PDF reopening or exact official-edition comparison. |
| Engagement thresholds | “Significantly” and “predominantly” are different predicates; selected examples read. | Universal quantitative tests or a finding about any business. | Current official generic interpretation of the precise predicate. |
| 90-day textual distinction | Both strict example wording and inclusive underlying initial-term wording. | A universal outcome at the exact boundary. | Authoritative generic clarification, without an actual lease or calendar. |
| Other regulator regimes | Statutory rulemaking allocations and exclusions. | Complete Regulation P, CFTC, securities, insurance, FCRA, or enforcement application. | Exact corresponding jurisdiction and rule provisions. |
| Investment-affiliate treatment | Express §313.3(m)(2) inclusion and statutory category conditions. | Actual investment authority, special authorization, holder status, or State investment-law compliance. | Narrow public implementing law for the applicable statutory category. |
| Former-customer consequences | Absence of a standalone selected definition and inclusion of past relationship information. | Complete termination/timing, notices, or surviving restrictions. | Full §313.5(b) and indispensable related provisions. |
| Information provenance/classification | All selected routes, derivation distinctions, exclusions, and public-availability conditions. | Any actual data source, suppression choice, list construction, identification risk, or disclosure manner. | Generic interpretation of the applicable definition using blank analytical fields. |
| Downstream permissions and duties | Precise next-provision map. | Notice compliance, opt-out outcome, exception, reuse, marketing, confidentiality, security, deletion/access, or consent. | Separately scoped complete downstream provision. |
| Representation and other A072 subjects | Defined-term limits. | Powers of attorney, e-signatures, privilege, professional duties, enrollment/cancellation, recording, marketing, settlement authority, or actual rights. | Separate public-law component if later authorized. |
| Acceptance | A bounded public-text investigation and researcher self-check. | Component, A072/parent, operational, or publication acceptance. | None is inferred or granted by this report. |
| Check | Result | Limitation retained |
|---|---|---|
| Prior-report independence | R032/R040/R049 conclusions were not used as premises or source packets. | This is not a review of those reports. |
| Complete selected-body reading | §§313.1, .2, and .3, including every selected definition/example, were read. | Does not mean all of Part313 or all referenced regimes were read. |
| Statutory incorporation | Actual §6804, §5519, relevant §1843(k), §6809, and §1681a(f) bodies were opened. | Further regime-specific authority remains expressly bounded. |
| Amendment authentication | Actual selected 2009/2021 amendatory text and relevant original/transfer provisions were read. | Source credits and currentness labels were not treated as exhaustive history. |
| Examples | Conditional compliance effect under §313.2(b) preserved. | No actual applicability established from a label. |
| Relationship distinctions | Consumer, customer, continuing relationship, affiliate/control, nonaffiliated category, and former-customer boundary separated. | No ownership, agency, assent, consent, or privilege inferred. |
| Information distinctions | All three PIFI routes, NPI derivation rules, exclusions, public-source classes, and reasonable-basis conditions preserved. | No actual data or dataset examined. |
| Quantities | Units, denominators, strict/inclusive wording, actors, triggers, and qualifications recorded where material. | No actual deadline or financial calculation. |
| Failure transparency | 2009 PDF failure and successful text alternate both retained. | No unseen PDF/form or whole-document claim. |
| Public-text-only conduct | Public legal texts and generic legal-category searches used. | No accounts, contact, filings, identifying queries, actual records, or completed forms. |
| Review status | This is the researcher’s own consistency and scope check. | Not independent review, not model/UI verification, and not acceptance. |
END R072 PASS-01.
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.
Source ID; issuer/title; jurisdiction · Complete literal HTTPS URL(s) · Exact read bounds · 16 data rows
| Source ID; issuer/title; jurisdiction | Complete literal HTTPS URL(s) | Exact read bounds | Displayed version, legal status, effective/application information | Access and limits |
|---|---|---|---|---|
| R072-P1-S001 — FTC; 16 CFR Part 313, Privacy of Consumer Financial Information, selected §§313.1–313.3; U.S. federal | https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-313 https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-313/section-313.1 https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-313/section-313.2 https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-313/section-313.3 | Complete §313.1(a)–(b); complete §313.2(a)–(b); complete §313.3 opening qualification and (a)–(q), including all examples. Part heading, authority, source credits, and organization read. Downstream locations were identified; their full operative rules were not analyzed. | Part page and individual §§313.1/.3 displayed 10/26/2026 currency; the individual §313.2 page displayed 10/22/2026. Its complete text was also read in the Part page displaying 10/26. Title 16 “last amended 10/19/2026” is a title-wide label. Source credits identify 2000, 2009, and 2021 instruments below. Current regulatory text as compiled; eCFR is not the official legal edition. | 2026-10-27 PDT. Complete selected bodies, not complete Part 313. Appendix A was not visually inspected or treated as a completed form. ecfr.gov +4 |
| R072-P1-S002 — Congress/OLRC; 15 U.S.C. §6804, Rulemaking; U.S. federal | https://uscode.house.gov/us/usc/119-121/t15/s6804/ | Complete §6804(a)(1)(A)–(D), (a)(2)–(3), (b), source credit, amendment and effective-date notes. | PL119-121/October 9, 2026 compilation. Source credits: 1999 enactment and 2010 §1093(3) amendment. 2010 amendment tied to designated transfer date; actual amendatory text and trigger read in S012–S013. | 2026-10-27 PDT. Authority allocation read; full enforcement-jurisdiction regime under §6805 and other regulators’ rules held. uscode.house.gov |
| R072-P1-S003 — Congress/OLRC; 12 U.S.C. §5519, Exclusion for auto dealers; U.S. federal | https://uscode.house.gov/us/usc/119-121/t12/s5519/ | Complete (a)–(f), including all three (b) qualifications, preservation/FTC-authority clauses, coordination provision, vehicle and dealer definitions, source and effective-date notes. | PL119-121/October 9, 2026 compilation. Enacted July 21, 2010, §1029; effective on designated transfer date under §1029A. | 2026-10-27 PDT. No actual licensing, assignment practice, business mix, or dealer determination. uscode.house.gov +1 |
| R072-P1-S004 — Congress/OLRC; 12 U.S.C. §1843, Interests in nonbanking organizations; U.S. federal | https://uscode.house.gov/us/usc/119-121/t12/s1843/ | Selected §1843(k)(1)–(7) read, including complete (4)(A)–(I), complete merchant/investment-banking and insurance-investment conditions, and (7)’s qualifications. Reliance concentrates on financial-activity categories and the references used by §313.3. | PL119-121/October 9, 2026 compilation. Current statutory body as displayed. Historical activity-reference dates occur in (4)(F)–(G). | 2026-10-27 PDT. Not a complete Bank Holding Company Act investigation; no holding-company eligibility, authorization, acquisition, or regulatory-order determination. uscode.house.gov +1 |
| R072-P1-S005 — Congress/OLRC; 15 U.S.C. §6809, Definitions; U.S. federal | https://uscode.house.gov/us/usc/119-121/t15/s6809/ | Definition body (1)–(11) read. Reliance limited to (2)–(6), (8)–(9), and (11), with statutory exclusions preserved. The transaction-exception definition and joint-agreement definition were not used to authorize sharing. | PL119-121/October 9, 2026 compilation; source credit to GLBA §509, November 12, 1999. | 2026-10-27 PDT. No entire GLBA or statutory exceptions dossier. uscode.house.gov +2 |
| R072-P1-S006 — Congress/OLRC; 15 U.S.C. §1681a, Definitions; rules of construction; U.S. federal | https://uscode.house.gov/us/usc/119-121/t15/s1681a/ | Complete §1681a(f), incorporated by §313.3(f), and compilation header. Other returned text was not used for a broader FCRA conclusion. | PL119-121/October 9, 2026 compilation. Current incorporated definition as displayed. | 2026-10-27 PDT. Full consumer-report classification, FCRA exceptions, permissible purposes, duties, and remedies remain unexamined. uscode.house.gov |
| R072-P1-S007 — Federal Reserve Board; Regulation Y, selected activity provisions; U.S. federal | https://www.ecfr.gov/current/title-12/chapter-II/subchapter-A/part-225/subpart-C/section-225.28 https://www.ecfr.gov/current/title-12/chapter-II/subchapter-A/part-225/subpart-I/section-225.86 | §225.28(a); selected (b)(2) activity context, particularly (iv); complete (b)(3) and footnote 6; (b)(6) advisory category and examples. §225.86(a)–(e) body read, with reliance on incorporation structure, complete finder provision (d)(1), and (e)’s determination requirement. | Both displayed Title 12 current through 10/26/2026, title last amended 10/23/2026. §225.28 source credits include 1997 and 2003; §225.86 credits 2001. Those credits were not treated as a complete amendment history. | 2026-10-27 PDT. Selected cross-reference reading; no underlying institution-specific orders, registrations, or complete banking-authorization dossier. ecfr.gov +5 |
| R072-P1-S008 — NHTSA; incorporated vehicle-category definitions; U.S. federal | https://www.ecfr.gov/current/title-49/subtitle-B/chapter-V/part-571/subpart-A/section-571.3 https://www.ecfr.gov/current/title-49/subtitle-B/chapter-V/part-575/subpart-B/section-575.103 | §571.3(b), selected definitions of motor home, multipurpose passenger vehicle, recreation vehicle trailer, trailer, and truck; §575.103(d), camper and slide-in camper definitions. | Displayed Title 49 current through 10/26/2026, title last amended 10/13/2026. Current definitions as displayed. | 2026-10-27 PDT. Only the category cross-reference in §5519(f)(1)(D) was traced. Vehicle safety, technical classification, and complete successor history held. ecfr.gov +3 |
| R072-P1-S009 — FTC; Privacy of Consumer Financial Information Rule Under the Gramm-Leach-Bliley Act, 2021 final rule; U.S. federal | https://www.federalregister.gov/documents/2021/12/09/2021-25735/privacy-of-consumer-financial-information-rule-under-the-gramm-leach-bliley-act https://www.govinfo.gov/content/pkg/FR-2021-12-09/pdf/2021-25735.pdf | Dates; selected scope/definition explanations in II.A and II.C; §313.18 explanation; complete amendatory instructions 1–3 and 7. PDF: printed 70020, index 0, dates; printed 70025–70026, indices 5–6, selected amendments; printed 70027, index 7, removal. HTML explanation includes printed 70021–70023 locations. | Published December 9, 2021; amendments effective January 10, 2022. Final rule reflected in current selected eCFR bodies. Preamble explanations distinguished from regulatory text. | 2026-10-27 PDT. Selected reading of an 8-page PDF, not whole-file review. Annual-notice and sharing amendments outside selected scope were not fully analyzed. govinfo.gov +5 |
| R072-P1-S010 — FTC and other issuing agencies; Final Model Privacy Form Under the GLBA, 2009 final rule; FTC portion only | https://www.govinfo.gov/content/pkg/FR-2009-12-01/html/E9-27882.htm https://www.federalregister.gov/documents/2009/12/01/E9-27882/final-model-privacy-form-under-the-gramm-leach-bliley-act https://www.govinfo.gov/content/pkg/FR-2009-12-01/pdf/E9-27882.pdf | GovInfo text: publication/dates and complete FTC instructions 36–37, including replacement §313.2. Printed-page markers 62890 and 62965. PDF retrieval failed; no PDF index or pixel claim. | Published December 1, 2009; general effective date December 31, 2009. Specified other removal instructions were delayed to January 1, 2012; instruction 37 was not among them. | 2026-10-27 PDT. Official-host text alternate succeeded. PDF failed with retrieval message “Content length is too large: 35798204”. Model-form graphics/instructions were not fully reviewed. |
| R072-P1-S011 — FTC; Privacy of Consumer Financial Information, 2000 original final rule; U.S. federal | https://www.govinfo.gov/content/pkg/FR-2000-05-24/pdf/00-12755.pdf | Dates, original organization and §§313.1–313.2, and complete historical §313.18(a)–(c). PDF body begins printed 33646, index 0; selected original text printed 33677–33678, indices 31–32; transition text printed 33687–33688, indices 41–42. | Published May 24, 2000; effective November 13, 2000, full compliance July 1, 2001. Original scope and original §313.2 are historical where replaced; §313.18 was removed by S009. | 2026-10-27 PDT. Selected parsed reading, not complete 44-page file or all original definitions. The source’s initial body page differs from the commonly cited cover/start reference 65 FR33645. govinfo.gov +2 |
| R072-P1-S012 — Congress/GovInfo; Public Law 111-203, selected enactment/amendment provisions; U.S. federal | https://www.govinfo.gov/content/pkg/PLAW-111publ203/pdf/PLAW-111publ203.pdf | Complete selected §1093(3); §1029A; §1100H. Printed 124 Stat. 2095–2096, indices 720–721; 124 Stat. 2005, index 630; 124 Stat. 2113, index 738. | Enacted July 21, 2010. Selected provisions establish the statutory authority amendment and designated-transfer-date triggers, including stated exceptions. | 2026-10-27 PDT. Not the entire 849-page Act. Same statutory history underlying S002/S003, not independent corroboration of unrelated propositions. govinfo.gov +2 |
| R072-P1-S013 — Treasury Secretary designation published under Bureau of Consumer Financial Protection heading; Designated Transfer Date; U.S. federal | https://www.govinfo.gov/content/pkg/FR-2010-09-20/pdf/2010-23487.pdf | Notice’s identifying heading, designation, Dates clause, and relevant statutory-transfer explanation. Printed 57252, index 0, with selected continuation on printed 57253, index 1. | Published September 20, 2010; designates July 21, 2011 for the Title X transfer. | 2026-10-27 PDT. No full transfer-of-functions dossier. Unrelated notices sharing the PDF pages were not evidence. govinfo.gov +1 |
| R072-P1-S014 — Congress/OLRC; 12 U.S.C. §§5411, 5413, transfer-date/OTS abolition boundary; U.S. federal | https://uscode.house.gov/us/usc/119-121/t12/s5411/ https://uscode.house.gov/us/usc/119-121/t12/s5413/ | Complete operative §5411(a)–(b) and §5413. | PL119-121/October 9, 2026 compilation. Title III transfer-date provisions and abolition trigger; not silently equated with Title X’s designated-transfer-date provision. | 2026-10-27 PDT. Read only to preserve the statutory/regulatory regulator-list distinction. No calculated abolition date or complete successor-authority mapping. uscode.house.gov +1 |
| R072-P1-S015 — Congress/OLRC; 15 U.S.C. §6802, narrow incorporated transaction category; U.S. federal | https://uscode.house.gov/us/usc/119-121/t15/s6802/ | §6802(e)(1)(C) and its immediate introductory context, solely to identify the transaction category incorporated by §6809(3)(D). | PL119-121/October 9, 2026 compilation. | 2026-10-27 PDT. No disclosure permission or complete §6802 exception analysis. uscode.house.gov |
| R072-P1-S016 — Congress/OLRC; 12 U.S.C. §5481, Definitions, narrow Title X context; U.S. federal | https://uscode.house.gov/us/usc/119-121/t12/s5481/ | Opening scope qualification; complete (4), (5), (9), (19), (27). Reliance limited to person/consumer/category and transfer-reference context for §5519. | PL119-121/October 9, 2026 compilation. These are Title X definitions, not replacements for Part313’s own definitions. | 2026-10-27 PDT. Full (15), its exclusions and implementing rules, were not analyzed; no complete CFPA coverage conclusion. uscode.house.gov +1 |
Claim ID · Supported proposition and conditions · Exact evidence · 25 data rows
| Claim ID | Supported proposition and conditions | Exact evidence |
|---|---|---|
| R072-P1-C001 | The selected organization is §313.1 Purpose and scope, §313.2 Model privacy form and examples, and §313.3 Definitions, whose definition sequence is (a)–(q). These precede Subpart A. All three selected bodies, including examples, were read. | S001, headings and complete selected bodies. ecfr.gov +2 |
| R072-P1-C002 | The freshest opened Part313 display was current through October 26, 2026. The separate §313.2 display showed October 22, but its complete text also appeared in the October 26 Part display. Neither label is an issuance or effective date. | S001, currency headers and §313.2 in aggregate body. |
| R072-P1-C003 | Government-hosted eCFR and FederalRegister.gov HTML must retain their stated publication status. eCFR is authoritative but unofficial; the Federal Register HTML rendition does not replace the official edition. S009’s official PDF was read; S010’s PDF failure remains a distinct limitation. | S001 status notice; S009/S010 format notices and retrieval record. |
| R072-P1-C004 | Part313’s authority citation is 15 U.S.C. 6801 et seq. and 12 U.S.C. 5519. Its selected scope and “you” definition specifically use 15 U.S.C. §6804(a)(1)(C), which authorizes FTC regulations for a financial institution that is a person described in §5519(a). | S001 authority, §§313.1(b), .3(q); S002 §6804(a)(1)(C). |
| R072-P1-C005 | Section 313.1(a) identifies three purposes: specified customer privacy notices; conditions on disclosure of consumer NPI to nonaffiliated third parties; and an opt-out mechanism concerning most such third parties, expressly subject to §§313.13–.15. This purpose statement is not the complete downstream rule. | S001 §313.1(a)(1)–(3). ecfr.gov |
| R072-P1-C006 | Section 313.1(b) limits this Part to NPI about individuals obtaining financial products/services primarily for personal, family, or household purposes from the covered institutions. It excludes information about companies and about individuals obtaining products/services for business, commercial, or agricultural purposes. This is a Part313 boundary, not a universal exemption for business data. | S001 §313.1(b); S005 §6809(9). |
| R072-P1-C007 | Covered financial activity and FTC rulemaking jurisdiction are separate requirements. The rule’s jurisdictional category concerns persons described in §5519 predominantly engaged in motor-vehicle sale and servicing, leasing and servicing, or both. “Predominantly” is not the same predicate as §313.3(k)’s significant engagement in financial activities. | S001 §§313.1(b), .3(k), .3(q); S003 §5519(a). |
| R072-P1-C008 | The express Part313 exclusion addresses described dealers directly extending retail vehicle credit or leases where the governing contract is not routinely assigned to an unaffiliated third-party finance or leasing source. Section 5519(b)(2) states the cumulative line-of-business, direct-consumer, and non-routine-assignment conditions. No numerical assignment-frequency threshold is supplied here. | S001 §313.1(b); S003 §5519(b)(2)(A)–(B). ecfr.gov +1 |
| R072-P1-C009 | Section 5519(a)’s limitation on Bureau authority does not apply to the extent a person provides consumers services related to residential or commercial mortgages or self-financing transactions involving real property. This is an activity qualification, not a finding about an entire unnamed business. | S003 §5519(b) opening and (b)(1). |
| R072-P1-C010 | A second separate §5519 qualification concerns offering/providing a consumer financial product or service unrelated to the listed vehicle, vehicle-part, and related/ancillary sale, financing, leasing, rental, repair, refurbishment, maintenance, or servicing activities. The Title X product-category analysis remains distinct from Part313’s product definition. | S003 §5519(b)(3); S016 §5481(5). |
| R072-P1-C011 | Section 5519(c) preserves other federal authorities subject to its (b) and (d) qualifications. Subsection (d) supplies a particular FTC rulemaking route under the cited FTC Act provisions and 5 U.S.C. §553. Neither provision establishes universal FTC-only jurisdiction or absence of other applicable law. | S003 §5519(c)–(d). uscode.house.gov |
| R072-P1-C012 | The statutory dealer definition requires the stated U.S./territorial person-or-resident predicate, licensing by a State, territory, or D.C. to sell motor vehicles, and taking title, holding ownership, or taking physical custody of motor vehicles. A role label alone does not supply these facts. | S003 §5519(f)(2)(A)–(B). |
| R072-P1-C013 | Section 5519’s vehicle category includes road-transport self-propelled vehicles, recreational boats/marine equipment, motorcycles, the incorporated motor-home/trailer/camper categories, and other titled vehicles sold through dealers. It is not limited to ordinary passenger automobiles. | S003 §5519(f)(1)(A)–(E). |
| R072-P1-C014 | The incorporated motor-home definition requires a powered multipurpose passenger vehicle designed for temporary residential accommodation, evidenced by at least four listed facilities: cooking; refrigeration/ice box; self-contained toilet; heating/air conditioning; potable-water system with faucet and sink; separate 110–125-volt supply and/or propane. The incorporated multipurpose-passenger-vehicle definition adds its own vehicle-type, capacity, and chassis/off-road predicates. | S008 §571.3(b), “Motor home” and “Multipurpose passenger vehicle.” ecfr.gov |
| R072-P1-C015 | The recreation-vehicle-trailer definition excludes a trailer designed primarily for cargo, requires the specified towing connection and temporary-residential design, and uses the same at-least-four-facilities test. It expressly includes the described personal-use combination living/cargo trailers. This does not classify an actual vehicle. | S008 §571.3(b), “Recreation vehicle trailer,” including its second paragraph; “Trailer.” |
| R072-P1-C016 | A camper is the defined shelter structure designed for a truck cargo area or attachment to an incomplete powered vehicle. A slide-in camper additionally has a roof, floor, and sides and is designed for mounting on, and user removal from, a truck cargo area. | S008 §575.103(d), “Camper,” “Slide-in Camper.” ecfr.gov |
| R072-P1-C017 | For Title X, subject to its opening qualification, “person” includes an individual, partnership, company, corporation, incorporated/unincorporated association, trust, estate, cooperative organization, or other entity. This does not make every such person a Part313 consumer or covered institution. | S016 §5481 opening and (19). |
| R072-P1-C018 | Title X’s consumer definition includes an individual and an agent, trustee, or representative acting for an individual. Its consumer-financial-product/service definition has the two alternatives in §5481(5)(A)–(B), including references to (15) and specified clauses of (15)(A). These were preserved as statutory context; they were not substituted for §313.3(e) or (l), or used to decide full CFPA coverage. | S016 §5481(4)–(5); S001 §313.3(e), (l). uscode.house.gov |
| R072-P1-C019 | Title X’s “State” definition includes the specified states, territories/possessions, D.C., named insular jurisdictions, and federally recognized Indian tribes under its cited recognition reference. That statutory vocabulary does not resolve an actual licensing predicate or any state/tribal privacy regime. | S016 §5481 opening and (27); S003 §5519(f)(2). |
| R072-P1-C020 | GLBA’s statutory financial-institution definition points to §1843(k), but §6809(3)(B) excludes a person/entity with respect to financial activity subject to CFTC jurisdiction under the Commodity Exchange Act. This activity-qualified exclusion must be read alongside §6804(a)(1)(B)’s separate CFTC authority; it is not an all-privacy exemption. | S005 §6809(3)(A)–(B); S002 §6804(a)(1)(B), referring to 7 U.S.C. §7b-2. |
| R072-P1-C021 | Section 6809(3)(C) separately excludes its specifically named federal agricultural-mortgage corporation and entities chartered and operating under the Farm Credit Act of 1971. No actual charter or institution was investigated. | S005 §6809(3)(C). |
| R072-P1-C022 | Section 6809(3)(D) excludes institutions chartered by Congress specifically for the transactions described in §6802(e)(1)(C), as long as they do not sell or transfer NPI to a nonaffiliated third party. The incorporated transaction category includes proposed/actual securitization, secondary-market sale, including servicing-rights sales, or a similar consumer-transaction-related transaction. No sharing permission is inferred. | S005 §6809(3)(D); S015 §6802(e)(1)(C). uscode.house.gov +1 |
| R072-P1-C023 | Section 6804 allocates rulemaking authority among the CFPB/SEC within their respective statutory jurisdiction, CFTC under its stated reference, and FTC under the dealer provision; it preserves State insurance rulemaking authority. Its CFPB grant excludes regulations concerning §6801 standards. Coordination and authority to adopt consistent additional exceptions are authority provisions, not automatic operational permissions. | S002 §6804(a)(1)–(3), (b); S005 §6809(8) for State insurance authority. |
| R072-P1-C024 | Current §313.3(j) lists the Federal Reserve Board, OCC, FDIC Board, NCUA Board, and SEC. The displayed §6809(2) statutory list still contains an OTS Director entry. The regulatory list was expressly revised in 2021; §§5411/.13 separately address OTS abolition. The lists are recorded as written, without inventing a complete successor-jurisdiction reconciliation. | S001 §313.3(j); S005 §6809(2); S009 instruction 3; S014. govinfo.gov +2 |
| R072-P1-C025 | “You” is defined by reference to a financial institution over which the FTC has the specified §6804(a)(1)(C) rulemaking authority. It is not a synonym for every business handling financial information. | S001 §313.3(q); S002 §6804(a)(1)(C). |
Claim ID · Supported proposition and conditions · Exact evidence · 16 data rows
| Claim ID | Supported proposition and conditions | Exact evidence |
|---|---|---|
| R072-P1-C026 | Section 313.3(k)(1) includes businesses significantly engaged in financial activities or activities incidental to them, as described in §1843(k). Paragraph (k)(3) excludes entities not significantly engaged in the financial activities. The selected rule supplies no universal revenue, transaction-count, or frequency formula for significant engagement. | S001 §313.3(k)(1), (3); S009 II.C. ecfr.gov +1 |
| R072-P1-C027 | The negative example says a vehicle dealer is not a financial institution merely because it accepts cash, checks, or credit cards it did not issue. It does not exempt a business that separately satisfies other qualifying predicates. | S001 §313.3(k)(4). |
| R072-P1-C028 | The positive dealer-leasing example uses usual-business, nonoperating automobile leases longer than 90 days. Its explanatory incorporation identifies a financial activity with an initial lease term at least 90 days. Both formulations appear in the current text and 2021 amendment; they must not be silently made identical. | S001 §313.3(k)(2); S009 instruction 3; S007 §225.28(b)(3)(ii). |
| R072-P1-C029 | The incorporated leasing activity requires a nonoperating basis and an initial term of at least 90 days. For real-property leases, it adds the initial-transaction return/full-investment-plus-financing condition and a residual-value ceiling of 25% of acquisition cost. Footnote 6 explains nonoperating restrictions, including no direct/indirect operating, servicing, maintenance, or repair; for automobiles it also specifies restrictions concerning parts/accessories, substitute vehicles, lessee insurance, and license-renewal services, while allowing arrangements for a third party to provide those services/products. These are incorporated activity conditions, not an actual dealer authorization finding. | S007 §225.28(b)(3)(i)–(iii), footnote 6. ecfr.gov +1 |
| R072-P1-C030 | Section 1843(k)(4)(A)–(E) identifies financial categories covering money/securities lending, exchange, transfer, investment for others and safeguarding; specified insurance/annuity activities; financial, investment, and economic advice; interests in permitted asset pools; and securities underwriting, dealing, or market-making. These are activity categories, not proof of FTC Part313 jurisdiction. | S004 §1843(k)(4)(A)–(E). |
| R072-P1-C031 | Paragraph (4)(F) incorporates qualifying Board orders/regulations in effect on November 12, 1999, subject to their conditions unless modified. Paragraph (4)(G) incorporates the specified permissible foreign-banking activities and pre-enactment regulatory/interpretive determination. The underlying regulatory conditions cannot be discarded. | S004 §1843(k)(4)(F)–(G); S007 §225.86(a)–(b). |
| R072-P1-C032 | Section 1843(k)(1) distinguishes financial/incidental activities from its separate complementary-activity category. Paragraphs (2)–(3) prescribe coordination and determination considerations. Part313 expressly uses the financial/incidental formulation; “complementary” is not silently added as an independent Part313 category. | S004 §1843(k)(1)–(3); S001 §§313.1(b), .3(k). uscode.house.gov |
| R072-P1-C033 | Regulation Y identifies collection of overdue retail or commercial receivables as a collection-agency activity and separately lists financial/investment advisory activities. These references help identify possible activity categories; they do not make every collector, adviser, counselor, or debt-relief role subject to FTC Part313. | S007 §225.28(b)(2)(iv), (b)(6); C007, C026. |
| R072-P1-C034 | The finder category concerns bringing buyers and sellers together for transactions they negotiate and consummate themselves. Its scope includes identification/referral/contact arrangements, relaying transaction communications, and related product/service information. Its nonexclusive examples include electronic marketplaces, hosted sites, exchange sites, and telephone call centers, subject to the later limitations. | S007 §225.86(d)(1), (i)–(ii). |
| R072-P1-C035 | A finder acts as intermediary and generally may not bind a party or negotiate a specific transaction. The text preserves the stated exceptions for generally available preferred terms, not negotiated for an individual transaction and made available by the seller, and generally applicable service rules governing bids/offers and how parties bind themselves. | S007 §225.86(d)(1)(iii)(A)–(B). |
| R072-P1-C036 | The finder provision also restricts taking title/ownership, physical distribution, specified manufacturing/storage/transport/assembly property, physical transaction locations, and activity requiring a real-estate-agent/broker license. It requires distinguishing the holding company’s offerings from third-party offerings. These conditions define the incorporated category; they do not authorize a lead-generation or representation practice under other law. | S007 §225.86(d)(1)(iii)(C)–(D), (iv). ecfr.gov +1 |
| R072-P1-C037 | The additional financial-asset, transfer-device, and third-party-transaction categories in §1843(k)(5) are subject to the Board’s defining/determination process. Section 225.86(e) requires a determination for a specific activity not otherwise permissible when reliance is placed on that provision. A general “facilitating transactions” label does not bypass that condition. | S004 §1843(k)(5); S007 §225.86(e)(1)–(4). |
| R072-P1-C038 | Section 1843(k)(4)(H)’s investment category requires the stated non-depository holder restriction; a qualifying securities affiliate or qualifying insurance-advisory affiliate; bona fide underwriting/merchant/investment-banking purposes; holding for a period allowing reasonable disposition consistent with financial viability; and no routine management/operation except as necessary for a reasonable disposition return. Section (k)(7)(B) contains a separate conditional financial-subsidiary qualification requiring joint authorization under its cited law. That authorization is not established here. | S004 §1843(k)(4)(H)(i)–(iv), (k)(7)(B). |
| R072-P1-C039 | Section 1843(k)(4)(I) requires the stated non-depository holder restriction; a qualifying insurance company predominantly engaged in the listed underwriting or annuity activities, excluding credit-related insurance; ordinary-course investment consistent with relevant State investment law; and no routine management/operation except as necessary for a reasonable investment return. | S004 §1843(k)(4)(I)(i)–(iv). uscode.house.gov |
| R072-P1-C040 | Part313’s financial-product/service definition concerns a product/service a financial holding company could offer through a §1843(k) financial activity. This is a defined category, not an actual charter, licensing, or offering authorization for a particular business. | S001 §313.3(l)(1). |
| R072-P1-C041 | Financial service expressly includes evaluation or brokerage of information collected in connection with a consumer’s request or application for a financial product/service. The consumer-request/application and financial-product nexus must be preserved; this is not a blanket definition of every information broker or lead generator. | S001 §313.3(l)(2). |
Claim ID · Supported proposition and conditions · Exact evidence · 23 data rows
| Claim ID | Supported proposition and conditions | Exact evidence |
|---|---|---|
| R072-P1-C042 | Section 313.3’s definitions apply unless context requires otherwise. “Company” includes corporations, LLCs, business trusts, general/limited partnerships, associations, and similar organizations. “Person” and “former customer” are not separate defined headings in its (a)–(q) glossary. | S001 §313.3 opening, (d), complete glossary. |
| R072-P1-C043 | A clear and conspicuous notice must be reasonably understandable and designed to draw attention to the information’s nature and significance. One element does not replace the other. | S001 §313.3(b)(1). |
| R072-P1-C044 | The understandability example includes clear concise sentences/paragraphs/sections; short explanatory sentences or bullets where possible; concrete everyday words and active voice where possible; avoiding multiple negatives; avoiding legal/highly technical business terminology where possible; and avoiding imprecise explanations open to different interpretations. | S001 §313.3(b)(2)(i)(A)–(F). |
| R072-P1-C045 | The attention-design example includes a plain-language heading, readable typeface/size, wide margins and ample spacing, bold or italic key words, and distinctive typography/graphics when combined with other information. This provision gives no universal numeric font-size specification. | S001 §313.3(b)(2)(ii)(A)–(E). |
| R072-P1-C046 | The website example combines scrolling cues where needed and freedom from distracting site elements with either placement on a frequently accessed screen or an appropriately labeled direct link on such a screen. It does not independently establish compliant delivery, electronic consent, or the required notice content. | S001 §313.3(b)(2)(iii)(A)–(B). ecfr.gov |
| R072-P1-C047 | “Collect” means obtaining information organized or retrievable by an individual’s name or another assigned identifying particular, regardless of the underlying source. Collection is therefore not confined to information directly submitted by the individual. | S001 §313.3(c). |
| R072-P1-C048 | An affiliate is a company controlling, controlled by, or under common control with another company. One control alternative is direct/indirect ownership, control, or voting power over 25% or more of the outstanding shares of any class of voting security, including acting through others. | S001 §313.3(a), (g)(1); S005 §6809(6). |
| R072-P1-C049 | Control has two additional alternatives: control over election of a majority of directors, trustees, general partners, or equivalent roles; or direct/indirect power to exercise controlling influence over management or policies. Failure to meet the share test alone does not establish non-control. | S001 §313.3(g)(2)–(3). |
| R072-P1-C050 | A consumer is an individual obtaining or having obtained a financial product/service from you, primarily for personal, family, or household use, or that individual’s legal representative. Including a representative in the definition does not establish anyone’s actual appointment or powers. | S001 §313.3(e)(1); S005 §6809(9). |
| R072-P1-C051 | The credit-application example treats an individual applying for the specified personal-purpose credit as a consumer of a financial service, whether or not credit is extended. | S001 §313.3(e)(2)(i). |
| R072-P1-C052 | Providing NPI to obtain a determination of qualification for the specified personal-purpose loan is also a consumer example, regardless of whether the loan is extended. | S001 §313.3(e)(2)(ii). |
| R072-P1-C053 | Ownership or servicing rights in the specified personal-purpose loan produce the stated consumer example, including jointly held rights. Hiring a collection agent does not eliminate that example; the other involved financial institutions may also have a consumer relationship in the stated sense. | S001 §313.3(e)(2)(iii). |
| R072-P1-C054 | Acting as another financial institution’s agent, processor, or other service provider does not solely by that fact make its consumer your consumer. This is not a general exemption for processors from all laws or duties. | S001 §313.3(e)(2)(iv). |
| R072-P1-C055 | Participation in, or beneficiary status under, an employee benefit plan does not solely create consumer status with a sponsor, trustee, or fiduciary under the stated example. It does not decide benefit, fiduciary, or confidentiality law. | S001 §313.3(e)(2)(v). govinfo.gov |
| R072-P1-C056 | The incorporated consumer-reporting-agency definition requires a person acting for monetary fees, dues, or on a cooperative nonprofit basis; regularly assembling/evaluating consumer credit or other consumer information, wholly or partly; doing so to furnish consumer reports to third parties; and using an interstate-commerce means/facility to prepare or furnish those reports. Full “consumer report” classification is not decided. | S001 §313.3(f); S006 §1681a(f). |
| R072-P1-C057 | A customer is a consumer with a customer relationship. That relationship is continuing and involves provision of one or more financial products/services for the specified primarily personal/family/household purposes. Consumer status alone does not supply continuation. | S001 §313.3(h), (i)(1). |
| R072-P1-C058 | The continuing-relationship examples cover: a credit/investment account; obtaining a loan; buying an insurance product; an agreement/understanding to arrange or broker a home mortgage or vehicle-purchase credit; a nonoperating personal-property lease; and a loan whose servicing rights are owned by the institution. Each example remains subject to scope and applicability. | S001 §313.3(i)(2)(i)(A)–(F). |
| R072-P1-C059 | The no-continuing-relationship examples cover isolated transactions such as check cashing/wire transfer; selling a loan without retaining servicing rights; and one-time personal appraisal services. An isolated consumer transaction is not automatically an ongoing customer relationship. | S001 §313.3(i)(2)(ii)(A)–(C). |
| R072-P1-C060 | “Former customer” is not independently defined in §§313.1–.3. The selected information examples expressly include past customer/consumer status. The precise downstream former-customer provision is §313.5(b)(1)–(2), identified but not fully analyzed here; no annual-notice or termination-time conclusion is imported. | S001 §313.3(o)(2)(i)(C)–(D), glossary bounds; downstream locator §313.5(b). |
| R072-P1-C061 | Section 6809(11) delegates definition of the time a customer relationship is established to regulations and, for direct consumer credit financing purchases of goods/services, specifies the time the credit relationship is established. This is not proof of actual assent, execution, timing, or a notice deadline. | S005 §6809(11); downstream §313.4(c) remains unexamined. uscode.house.gov |
| R072-P1-C062 | A nonaffiliated third party is any person other than an affiliate or the stated joint employee of the institution and an unaffiliated company. The other jointly employing company remains included as a nonaffiliated third party. | S001 §313.3(m)(1)(i)–(ii); S005 §6809(5). |
| R072-P1-C063 | The definition specially includes a company otherwise affiliated by the institution’s or its affiliate’s direct/indirect ownership or control through the merchant/investment-banking or insurance-investment activities described in §1843(k)(4)(H)/(I). Ordinary affiliation analysis alone is therefore insufficient for that category. | S001 §313.3(m)(2); S004 §1843(k)(4)(H)–(I); C038–C039. |
| R072-P1-C064 | These defined relationships classify terms for this Part. They do not, by themselves, establish consent, ownership of information, representation authority, privilege, fiduciary duty, debt validity, settlement entitlement, or permission to share. That is a bounded inference from the definitions’ function and the distinct downstream provisions. | S001 §313.3 opening, §§313.1(a), .3; downstream boundaries in §4 below. |
Claim ID · Supported proposition and conditions · Exact evidence · 19 data rows
| Claim ID | Supported proposition and conditions | Exact evidence |
|---|---|---|
| R072-P1-C065 | NPI includes personally identifiable financial information and consumer lists/descriptions/groupings, including public information pertaining to them, derived using any PIFI that is not publicly available. The definition must be read with its exclusions. | S001 §313.3(n)(1)(i)–(ii); S005 §6809(4). |
| R072-P1-C066 | Publicly available information is excluded except as included in the specified derived grouping. A grouping derived without nonpublic PIFI is separately excluded by (n)(2)(ii). Public fields alone do not answer the derivation question. | S001 §313.3(n)(2)(i)–(ii). |
| R072-P1-C067 | The positive list example covers a grouping of generic identifying/contact fields derived wholly or partly using nonpublic PIFI. The presence of publicly available output fields does not negate the protected derivation. No actual list was examined. | S001 §313.3(n)(3)(i). |
| R072-P1-C068 | The negative list example requires all three conditions: only publicly available information; no whole or partial derivation from nonpublic PIFI; and no disclosure manner indicating that any listed individual is a financial institution’s consumer. | S001 §313.3(n)(3)(ii). ecfr.gov |
| R072-P1-C069 | The first PIFI route is information a consumer supplies to obtain a financial product/service from the institution. | S001 §313.3(o)(1)(i). |
| R072-P1-C070 | The second route is information about a consumer resulting from a transaction involving a financial product/service between institution and consumer. | S001 §313.3(o)(1)(ii). |
| R072-P1-C071 | The third route is information otherwise obtained about the consumer in connection with providing a financial product/service to that consumer. “Otherwise obtained” does not eliminate the required connection. | S001 §313.3(o)(1)(iii). |
| R072-P1-C072 | Included examples cover financial-product application information and account-balance, payment, overdraft, and credit/debit purchase information. These are generic information categories, not findings about records. | S001 §313.3(o)(2)(i)(A)–(B). |
| R072-P1-C073 | Included examples also cover the fact of current/past customer status or obtaining a product/service, and information disclosed in a manner revealing current/past consumer status. PIFI is therefore not restricted to monetary amounts or account identifiers. | S001 §313.3(o)(2)(i)(C)–(D). |
| R072-P1-C074 | Information supplied by a consumer, or otherwise obtained by the institution or its agent, in connection with credit-account collection or servicing is expressly included. This does not establish a collector’s separate institutional jurisdiction or authorize disclosure. | S001 §313.3(o)(2)(i)(E), read with (e)(2)(iii)–(iv) and §313.1(b). |
| R072-P1-C075 | The examples include information collected through an Internet cookie and information from a consumer report. These examples operate within the selected consumer/financial-information framework; they are not a universal rule governing every website or a permission to use consumer reports. | S001 §313.3(o)(2)(i)(F)–(G). |
| R072-P1-C076 | The listed exclusion includes a generic identifying/contact list of customers of an entity that is not a financial institution. The institution-status predicate cannot be presumed from a label. | S001 §313.3(o)(2)(ii)(A). |
| R072-P1-C077 | The other PIFI exclusion concerns information that does not identify a consumer, including aggregate or blind data without personal identifiers. Calling an identifying list “aggregate” does not establish that condition. | S001 §313.3(o)(2)(ii)(B). ecfr.gov |
| R072-P1-C078 | Publicly available information requires a reasonable basis to believe it was lawfully made available to the general public, from federal/state/local government records, widely distributed media, or legally required public disclosures. A provider’s unsupported “public” label is not the defined test. | S001 §313.3(p)(1)(i)–(iii). |
| R072-P1-C079 | The reasonable-basis provision requires steps to determine both that the information is of a publicly available type and whether the individual can prevent public availability; if such a choice exists, the institution must determine that its consumer has not exercised it. | S001 §313.3(p)(2)(i)–(ii). |
| R072-P1-C080 | Government-record examples identify real-estate records and security-interest filings. The mortgage-information reasonable-basis example requires determining that the information is of the type included in the public record in the relevant recording jurisdiction. No actual record lookup is necessary or authorized by this report. | S001 §313.3(p)(3)(i), (iii)(A). |
| R072-P1-C081 | Media examples include telephone directories, television/radio, newspapers, and websites generally available without restricted public access. A fee or password alone does not make a website restricted if access remains available to the general public. This is a definition qualification, not permission to circumvent access controls or use/share information. | S001 §313.3(p)(3)(ii). |
| R072-P1-C082 | The telephone-information example supplies two stated reasonable-basis routes: locating the information in a telephone directory, or the consumer informing the institution that it is not unlisted. Neither event is assumed here, and neither was performed. | S001 §313.3(p)(3)(iii)(B). |
| R072-P1-C083 | Information status, provenance, derivation, and downstream use are separate questions. In particular, satisfying a public-information definition does not itself establish lawful acquisition, unrestricted reuse, marketing permission, or a disclosure entitlement under all applicable law. This is the limited inference supported by the definition’s scope and Part313’s separate disclosure provisions. | S001 §§313.1(a), .3(n)–(p); C064. |
Claim ID · Supported proposition and conditions · Exact evidence · 12 data rows
| Claim ID | Supported proposition and conditions | Exact evidence |
|---|---|---|
| R072-P1-C084 | Section 313.2(a) makes model-form use optional. Use consistent with Appendix A’s instructions supplies the stated compliance effect for notice-content requirements in §§313.6 and .7. It is not an unconditional whole-Part or all-law safe harbor, and no form compliance is determined here. | S001 §313.2(a); S010 instruction 37. |
| R072-P1-C085 | Section 313.2(b) makes examples nonexclusive and gives compliance with an example, to the extent applicable, an express compliance effect. The examples are therefore more than informal suggestions, but a generic resemblance does not establish all applicability predicates. | S001 §313.2(b); S010 instruction 37. ecfr.gov +1 |
| R072-P1-C086 | The original 2000 §313.1 had broader FTC-enforcement-based scope and named generic categories that the current scope no longer lists. Original §313.2 was titled “Rule of construction.” Those historical bodies must not be substituted for current §§313.1/.2. | S011 original §§313.1–.2; S001; S009 instruction 2; S010 instruction 37. |
| R072-P1-C087 | Historical §313.18 set November 13, 2000 effectiveness and July 1, 2001 compliance; included the post-November-12-1999 Board-activity/FTC-determination qualification; required the stated existing-customer notices by the compliance date; and provided the limited old service-contract grandfathering through its stated date. The whole provision was removed in 2021, effective January 10, 2022. | S011 complete §313.18(a)–(c); S009 instruction 7 and Dates. |
| R072-P1-C088 | The 2021 final rule’s instructions actually revise Part313’s authority citation, §313.1(b), and §313.3(e), (i), (j), (k), and (q). These bodies were read, not inferred from the rule’s summary or source credit. | S009 instructions 1–3, printed 70025–70026, PDF indices 5–6. |
| R072-P1-C089 | The 2021 text adds incidental activities to the selected financial-institution framework and removes §313.18. The FTC’s explanatory discussion states that a finder outside the motor-vehicle-dealer category is not brought into this Privacy Rule merely by connecting dealers and potential customers. The significant-engagement predicate remains. | S009 II.C, §313.18 discussion, instructions 2–3, 7; S001 §313.3(k). federalregister.gov |
| R072-P1-C090 | The 2009 amendatory instruction 37 supplies current §313.2’s model-form/examples text. Its general effective date was December 31, 2009. The January 1, 2012 exceptions in the Dates clause identify other removal instructions and do not postpone instruction 37. | S010 Dates and instruction 37. |
| R072-P1-C091 | Public Law111-203 §1093(3) changed GLBA rulemaking allocation. Section 1100H supplies its designated-transfer-date rule, subject to its express exceptions; §1029A supplies the corresponding subtitle trigger for §1029, also with stated exceptions. The opened Treasury designation fixes the Title X transfer date as July 21, 2011. This does not purport to resolve all transferred powers. | S012 §§1093(3), 1100H, 1029A; S013 Dates; S002/S003 notes. |
| R072-P1-C092 | OTS abolition under §5413 is tied to 90 days after the Title III transfer date. Section 5411 gives a one-year-after-enactment default, permits the specified extension no later than 18 months with consultation and congressional submissions, and requires publication of an extended designation within the stated 270-day period. No actual date was calculated or extension history resolved here. | S014 §§5411(a)–(b), 5413. |
| R072-P1-C093 | The 2009 official PDF could not be retrieved because the browsing response reported excessive content length. The official-host HTML provided the selected amendatory text and dates. This does not establish a PDF pixel/form read and does not erase the failed endpoint. | S010 retrieval and successful alternate. |
| R072-P1-C094 | Complete reading of the selected current bodies is different from an exhaustive amendment/judicial chain. The opened current compilations, selected final rules, and transfer provisions support the reported bounded framework; no absence of post-compilation law, judicial qualification, or unrelated amendment is asserted. | S001–S016, stated read bounds and dates; source-read log below. |
| R072-P1-C095 | No actual coverage, consent, sharing, exemption, representation, confidentiality, deletion/access, enforcement, remedy, or operational-compliance finding follows from this investigation. Those predicates and regimes were withheld by scope and are not supplied by generic definitions. | Scope of this investigation; C006–C094 and the explicit unresolved inquiries below. |
Question · Selected legal category · What must remain separate · 7 data rows
| Question | Selected legal category | What must remain separate | Claims/sources |
|---|---|---|---|
| Is an activity financially related? | The incorporated §1843(k)/Regulation Y activity categories may be relevant. | Financial subject matter alone does not establish significant engagement, dealer status, FTC rulemaking jurisdiction, or consumer-purpose information. | C007, C026–C041; S001–S004, S007. |
| Is the institution significantly engaged? | §313.3(k) supplies a business/activity predicate. | No universal numeric engagement test appears in the selected rule. It is distinct from predominantly engaging in the specified dealer business. | C007, C026; S001. |
| Is it within FTC Part313 jurisdiction? | §§313.1(b), .3(q), §6804(a)(1)(C), and §5519 form the selected jurisdictional chain. | Other regulator rules, enforcement powers, and activity-specific §5519(b) qualifications require their own analysis. | C004, C007–C012, C023–C025; S001–S003. |
| Does accepting payment suffice? | The rule supplies a negative example for merely accepting the listed payment forms. | Separate credit, leasing, or other qualifying activity is not negated by that example. | C027; S001 §313.3(k)(4). |
| Does information brokerage suffice? | §313.3(l)(2) has a consumer-request/application and financial-product nexus; the incorporated finder category has separate conditions. | Neither category establishes dealer status or authorizes marketing, representation, or sharing. | C034–C041, C089; S001, S007, S009. |
| Are company or commercial-purpose records covered? | §313.1(b) excludes the described company and business/commercial/agricultural-purpose information from this Part. | Other privacy, security, contract, professional, or sector-specific law is not resolved. | C006, C095; S001. |
| Does a statutory exclusion settle every privacy regime? | §6809(3)(B)–(D) has specific exclusions and conditions. | CFTC authority, other federal regimes, and State insurance authority remain distinct. | C020–C023; S002, S005, S015. |
Category · Defining distinction · Selected examples or qualification · 8 data rows
| Category | Defining distinction | Selected examples or qualification | What remains unresolved |
|---|---|---|---|
| Consumer | Individual obtains or has obtained the specified product/service from “you,” or legal representative. | Credit application and qualification inquiry may count without extension of credit. | Actual financial-service nexus, purpose, institutional scope, and representative authority. C050–C052. |
| Customer | Consumer with a continuing customer relationship. | §313.3(i)’s account, loan, insurance, arrangement, lease, and servicing examples. | Actual continuation and applicable timing/duties. C057–C058. |
| Isolated consumer transaction | Consumer status can exist without continuation. | Isolated check-cashing/wire-transfer and one-time appraisal examples. | No inference that all information or downstream duties disappear. C059, C065–C083. |
| Ownership/servicing role | Ownership or servicing rights supply the stated consumer example. | Joint rights and use of a collection agent are expressly addressed. | No finding about actual rights, assignment validity, debt validity, or agency authority. C053. |
| Processor/agent for another institution | That role alone does not make the other institution’s consumer its own consumer. | Negative example is qualified by “solely.” | Other duties and independently qualifying relationships. C054. |
| Former customer | No standalone definition in §§313.1–.3. | Past relationship information appears in §313.3(o); §313.5(b) is the next specific component. | Actual termination, timing, annual-notice treatment, and continuing restrictions. C060. |
| Affiliate | Company plus any applicable control route. | Share/vote, majority-election, and controlling-influence alternatives. | Actual ownership/control and investment-activity qualification. C048–C049, C063. |
| Nonaffiliated third party | Defined residual category with exceptions and an express investment-company inclusion. | Joint employee differs from the other employing company. | No sharing permission follows from either label. C062–C064. |
Information category · Required distinction · Classification limit · 9 data rows
| Information category | Required distinction | Classification limit | Claims/sources |
|---|---|---|---|
| Consumer-provided information | Provided to obtain a financial product/service. | Direct submission is one route, not the only route. | C069; S001 §313.3(o)(1)(i). |
| Transaction-result information | Results from the specified institution–consumer financial transaction. | Mere possession is not the stated test. | C070; S001 §313.3(o)(1)(ii). |
| Otherwise-obtained information | Obtained about the consumer in connection with providing the financial product/service. | Financial-service connection remains necessary. | C071, C074–C075; S001 §313.3(o). |
| Relationship-revealing information | Reveals current/past customer or consumer status. | Information need not be a balance or account number to fall within the examples. | C073; S001 §313.3(o)(2)(i)(C)–(D). |
| Public fields in a derived grouping | Derivation uses any nonpublic PIFI, wholly or partly in the stated example. | Public output fields do not alone establish exclusion. | C065–C068; S001 §313.3(n). |
| Public-only grouping | Public-only content, no prohibited derivation, and no relationship-revealing disclosure in the negative example. | All stated example conditions must be preserved. | C068; S001 §313.3(n)(3)(ii). |
| Nonidentifying aggregate/blind data | Does not identify a consumer and lacks personal identifiers. | “Aggregate” is not sufficient if identification remains. | C077; S001 §313.3(o)(2)(ii)(B). |
| Publicly available information | Reasonable basis for lawful general-public availability from the stated source classes. | A source label or accessibility claim is insufficient without the required basis. | C078–C082; S001 §313.3(p). |
| Permission to use/share | Separate downstream/legal question. | None of the definitions is a universal permission. | C064, C083, C095. |
Unresolved consequence · Precise next public-law location · Limit retained in this pass · 12 data rows
| Unresolved consequence | Precise next public-law location | Limit retained in this pass |
|---|---|---|
| Initial notice; establishment of customer relationship for notice purposes | 16 CFR §313.4, particularly (a), (c), and applicable qualifications | No actual notice trigger, deadline, or assent finding. |
| Former-customer/annual-notice treatment | §313.5, particularly (b)(1)–(2) | No imported former-customer timing rule or annual-notice exemption conclusion. |
| Notice content and model form | §313.6; Appendix A and its instructions | Only §313.2’s conditional content-compliance statement established. |
| Opt-out notice, methods, and related consequences | §313.7 | No complete opt-out rule, deadline, or consent conclusion. |
| Revised notices and delivery | §§313.8–313.9 | No electronic-consent, delivery, or e-signature conclusion. |
| Disclosure to nonaffiliated third parties | §313.10 | Category definition is not permission. |
| Redisclosure/reuse | §313.11 | Receipt of information does not establish unrestricted reuse. |
| Account-number marketing restrictions | §313.12 | No account data or marketing practice examined. |
| Service-provider/joint-marketing and other exceptions | §§313.13–313.15 | No exception is applied from a definition or partial returned passage. |
| FCRA and State-law interaction | §§313.16–313.17, plus the independently applicable statutes | No universal preemption, FCRA outcome, or State-law conclusion. |
| Other regulator jurisdiction | 15 U.S.C. §6805; 12 CFR Part1016; 7 U.S.C. §7b-2, as appropriate to a generic category | No complete Regulation P, CFTC, securities, insurance, or enforcement dossier. |
| Security, access/deletion, marketing, representation, or privilege | Their separate applicable public authorities | Not supplied by §§313.1–.3 and outside this pass. |
Branch; status · Supported conditional rule and cumulative conditions · Exact claims/sources · 27 data rows
| Branch; status | Supported conditional rule and cumulative conditions | Exact claims/sources | Missing evidence or authority | Adverse inference to avoid | Next permissible generic public-law inquiry |
|---|---|---|---|---|---|
| B01 — Covered jurisdiction unknown. Answered boundary; application unresolved. | Financial-institution status must be combined with the FTC rulemaking category and §5519 qualifications. | C004, C007–C012, C025; S001 §§313.1(b), .3(q); S002 §6804(a)(1)(C); S003. | Dealer-category, licensing, custody/ownership, business mix, and activity qualifications. | Every financial business is governed by FTC Part313. | Examine the interaction of §5519(a), each relevant (b) function, and §6804(a)(1)(C) for the generic category. |
| B02 — Activity/degree of engagement unknown. Answered boundary. | A qualifying financial/incidental activity and significant engagement are required; dealer predominance is separate. | C007, C026–C033; S001 §313.3(k); S004; S007. | Activity classification, applicable conditions, and degree-of-engagement facts; no numeric formula in selected text. | Any occasional financial involvement establishes coverage. | Read an official generic interpretation specifically addressing significant engagement in the relevant activity, without an institution lookup. |
| B03 — Consumer/commercial purpose unknown. Answered boundary. | Information must concern the specified primarily personal/family/household products/services; the stated company/commercial categories are outside this Part. | C006, C050; S001 §§313.1(b), .3(e). | Actual purpose and mixed-purpose classification. | All data about an individual is covered, or all business data is exempt from every privacy law. | Examine official generic interpretation of “primarily” under the selected rule if mixed-purpose classification becomes necessary. |
| B04 — Consumer versus customer. Answered boundary. | Consumer status and a continuing customer relationship are different predicates. | C050–C052, C057–C059; S001 §313.3(e), (h), (i). | Whether a financial service was obtained and whether the relationship continues. | An unsuccessful applicant cannot be a consumer, or every consumer is a customer. | Read §313.4’s relationship-timing provisions only if the downstream notice component is later undertaken. |
| B05 — Transaction versus continuation. Answered boundary. | Isolated transactions fit the negative continuation example; accounts, loans, arrangements, leases, or servicing can fit positive examples when applicable. | C057–C059; S001 §313.3(i). | Nature and continuation of the generic relationship; actual agreements remain held. | One transaction always creates—or can never create—a customer relationship. | Compare the complete §313.3(i) examples with official generic interpretation of the category in question. |
| B06 — Former customer. Partial by selected scope. | No separate former-customer definition appears in the selected glossary; past relationship information is expressly included in information examples. | C060, C073; S001 §313.3(o); locator §313.5(b). | Downstream termination criteria, timing, and continuing duties. | Closing a relationship makes information public, deletes duties, or supplies a universal elapsed-time rule. | Open complete §313.5(b) in its necessary context as a separate component. |
| B07 — Individual versus entity. Answered boundary. | Part313 consumer status concerns an individual or legal representative; company/person definitions serve different functions. | C006, C017–C019, C042, C050; S001, S016. | Correct statutory vocabulary and purpose; no actual legal-form finding. | Because an entity is a “person” or “company,” its business information is consumer information under Part313. | Compare the applicable definition’s own statutory scope; do not transplant Title X definitions into Part313. |
| B08 — Affiliate/control absent. Answered boundary. | Any of the three alternative control routes may matter; the share test is not exclusive. | C048–C049; S001 §313.3(a), (g). | Voting-class denominator, election control, management/policy influence, indirect arrangements. | Less than 25% ownership proves nonaffiliation. | Read official generic interpretations of the particular §313.3(g) control route. |
| B09 — Nonaffiliated category/joint employee. Answered boundary. | Apply the affiliate exclusion and joint-employee exception, while retaining the other employing company as included. | C062; S001 §313.3(m)(1). | Affiliation and joint-employment predicates. | A shared employee makes the other company an affiliate or authorizes sharing. | Examine the exact category interaction in §313.3(m)(1); downstream disclosure analysis would begin separately at §313.10. |
| B10 — Investment-affiliate qualification. Partial. | The specified investment-ownership category is expressly included as nonaffiliated, subject to identifying the statutory activity type. | C038–C039, C063; S001 §313.3(m)(2); S004 §1843(k)(4)(H)/(I), (7). | Applicable investment authority, holder type, management/holding conditions, and any conditional authorization. | Ordinary corporate-control affiliation defeats the special inclusion. | Read only the relevant generic implementing provisions for (H) or (I), including the §1843(k)(7)(B) authorization question if indispensable. |
| B11 — Supplied versus derived information. Answered boundary. | Directly supplied information is one PIFI route; derivation using nonpublic PIFI can make a grouping NPI. | C065–C071; S001 §313.3(n), (o)(1). | Generic provenance and derivation method; all actual data held. | Public output fields prove an unprotected grouping. | Examine the full derivation conditions in §313.3(n), using blank provenance fields only. |
| B12 — Otherwise obtained/cookie/report information. Answered boundary; broader regimes held. | The financial-service connection remains required; specified collection, cookie, and consumer-report examples are included. | C071, C074–C075; S001 §313.3(o). | Connection to providing a product/service; full FCRA classification and other tracking law. | Every cookie is governed by Part313, or this definition permits collecting/using reports. | For classification only, examine §1681a(d) and necessary generic exclusions in a separately scoped FCRA inquiry. |
| B13 — Public availability/reasonable basis. Answered boundary. | Lawful general-public availability plus the stated reasonable-basis steps must be preserved. | C078–C079; S001 §313.3(p)(1)–(2). | Public-source category, type, suppression mechanism, and whether suppression was exercised. | A public-source assertion alone satisfies the definition. | Read official generic interpretation of the reasonable-basis/suppression conditions; no personal lookup. |
| B14 — Lists and groupings. Answered boundary. | Test derivation, content, and relationship-revealing disclosure separately; all conditions of the negative list example matter. | C065–C068, C077; S001 §313.3(n), (o)(2)(ii). | Whether nonpublic inputs were used and whether output/disclosure identifies consumers. | “List,” “aggregate,” or “public-only” is a conclusive label. | Compare complete §313.3(n)(3) and the nonidentifying-information exclusion. |
| B15 — Claimed public source unauthenticated. Answered boundary. | The rule supplies source categories and specific reasonable-basis examples; it does not authenticate a provider’s assertion. | C078–C082; S001 §313.3(p). | Relevant public-record law/jurisdiction or media-access conditions. | Public availability creates a general use, marketing, or disclosure license. | Research the generic law governing availability of that record category, without querying any record or subject. |
| B16 — Separate regulator/authority boundary. Partial. | FTC rulemaking scope differs from other regulatory grants; §5519(b) retains activity qualifications. | C009–C011, C020–C024; S002–S005, S016. | Complete §6805, Regulation P, CFTC, securities, insurance, and Title X product-category analysis. | Outside FTC Part313 means outside federal financial privacy, or FTC has no other authority. | Open the appropriate generic jurisdiction provision and current corresponding regulator rule as a separate component. |
| B17 — Category example versus applicability. Answered boundary. | Examples are nonexclusive and carry an express compliance effect to the extent applicable. | C058–C059, C084–C085; S001 §§313.2, .3. | Every factual and scope predicate needed for the example. | An example is merely informal, or a matching label conclusively proves compliance. | Read the whole relevant example alongside §§313.1 and .2 and any indispensable definition. |
| B18 — Historical transition unknown. Answered selected transition; broader history unresolved. | Current text must be separated from the original broad scope, the 2009 §313.2 replacement, and the 2021 incidental-activity/§313.18 changes. | C086–C091, C094; S009–S013. | Complete unexamined intervening/later history and application to any historical event. | Old examples or a removed transition exception govern current scope. | Review official amendments specifically affecting §§313.1–.3 after the displayed compilation boundary. |
| B19 — Downstream notice/opt-out/sharing unexamined. Excluded by scope. | Definitions and purposes identify the next provisions but do not supply their full conditions. | C005, C064, C083–C085; S001. | Complete §§313.4–.15 and Appendix A as relevant. | Classification establishes consent, notice sufficiency, sharing permission, or an exception. | Select and read the exact downstream provision from §4’s map, with all necessary qualifications. |
| B20 — Debt-relief role versus activity. Answered boundary; application unresolved. | A collector/adviser/debt-relief label does not replace the activity, significant-engagement, FTC-jurisdiction, and consumer-purpose predicates. | C007, C026–C041, C086, C089; S001, S004, S007, S009. | Actual covered activity, business mix, institutional category, and applicable alternative regime. | Every debt-relief provider is covered, or removal of old examples means universal exemption. | Examine the generic activity classification and the correct regulator’s jurisdiction without provider searches. |
| B21 — State/other federal law. Excluded by scope. | The selected definitions do not decide other laws; statute preserves specified other agency/insurance authority boundaries. | C011, C023, C064, C083, C095; S002–S003. | Complete applicable other law and jurisdiction. | Universal preemption or a comprehensive privacy exemption. | Begin with §§313.16–.17 and the specific generic other-law interaction, if separately authorized. |
| B22 — Legal representative unknown. Answered definition; authority unresolved. | Legal-representative inclusion is a status definition; it is not appointment, consent, or delegated authority. | C050, C064; S001 §313.3(e)(1); S005 §6809(9). | Governing representation law and actual authority, both held. | Consumer terminology creates a power of attorney, privilege, or authority to settle. | Research only the separate generic representation-authority law if that component becomes necessary. |
| B23 — Clear/conspicuous or model-form claim. Answered selected standard; compliance unresolved. | Both notice qualities and applicable example conditions matter. Model-form content compliance additionally requires Appendix A consistency. | C043–C046, C084–C085; S001 §313.3(b), §313.2. | Complete downstream content/delivery rules and actual notice/form, which remain absent. | A readable font, hyperlink, signature, or copied form alone proves all-law compliance. | Read Appendix A and §§313.6–.9 as a separate notice component; no notice is drafted here. |
| B24 — Currentness/source access failure. Partial. | S010’s PDF failure remains; selected official-host text was read. Compilation labels and source credits do not establish every later-law event. | C002–C003, C090, C093–C094; S001, S010. | PDF visual verification and unexamined later history. | Successful alternate text erases a failed original or proves a whole-document/pixel read. | Reopen the ordinary public official PDF if accessible later, or compare an official published CFR edition for the exact selected text. |
| B25 — Statutory exclusion category unknown. Answered boundaries; application unresolved. | CFTC activity, Farm Credit, and congressional-secondary-market exclusions have different predicates; the last includes a no-sale/transfer condition. | C020–C022; S005 §6809(3); S015. | Category-specific authority and all actual predicates. | All exclusions are interchangeable or establish total immunity from privacy law. | Read the exact referenced category statute and corresponding regulator authority only if indispensable. |
| B26 — Lease duration/activity boundary. Answered text; edge application unresolved. | Preserve the example’s longer-than-90-day wording and the incorporated activity’s at-least-90-day initial-term wording, together with nonoperating and other applicable conditions. | C028–C029; S001 §313.3(k)(2); S007 §225.28(b)(3). | Actual lease facts and any authoritative generic interpretation of the example’s precise boundary. | Exactly 90 days is automatically within the longer-than example, or duration alone establishes coverage. | Seek an official generic clarification of this textual distinction; do not calculate an actual term. |
| B27 — Vehicle/dealer category unknown. Partial. | Section 5519(f) uses a broader vehicle list and licensing/custody predicates, with narrow vehicle-definition incorporations. | C012–C019; S003, S008, S016. | Technical category, relevant licensing authority, successor history, and actual facts. | Every retailer, vehicle-related website, or titled item is a covered dealer. | Examine only the relevant generic §5519(f)/incorporated-definition question; no license or institution lookup. |
Measure ID · Source quantity or period · Actor/object; trigger and unit · 16 data rows
| Measure ID | Source quantity or period | Actor/object; trigger and unit | Boundary and qualifications | Claim/source |
|---|---|---|---|---|
| M01 | 25% or more | Company-control test; outstanding shares of any class of voting security. | Inclusive threshold. Ownership, control, or power to vote; direct, indirect, or through others. Other control alternatives remain. | C048–C049; S001 §313.3(g). |
| M02 | Majority | Control over election of directors, trustees, general partners, or equivalent roles. | The source uses majority; no voting calculation or actual governing body is supplied. | C049; S001 §313.3(g)(2). |
| M03 | One or more products/services | Continuing customer relationship. | Minimum category count does not replace continuation or primarily personal-purpose conditions. | C057; S001 §313.3(i)(1). |
| M04 | Longer than 90 days | Usual-business, nonoperating automobile-leasing example. | Strictly longer wording; not a universal customer-relationship period. | C028; S001 §313.3(k)(2). |
| M05 | Initial term at least 90 days | Incorporated leasing activity. | Inclusive minimum; nonoperating and other applicable §225.28(b)(3) conditions remain. No actual term/counting convention assumed. | C028–C029; S007 §225.28(b)(3)(ii). |
| M06 | Return not less than full investment plus estimated financing cost; residual value not over 25% of acquisition cost | Incorporated real-property leasing conditions, assessed at inception of initial lease. | Minimum return and inclusive residual-value ceiling. Specified rental, tax-benefit, and residual inputs; not a model for consumer affordability or automobile payments. | C029; S007 §225.28(b)(3)(iii)(A)–(B). |
| M07 | At least four listed facilities; separate 110–125 volt supply and/or propane is one listed facility | Incorporated motor-home/recreation-trailer category. | Inclusive facility count; voltage is the stated facility description, not a privacy threshold. All other vehicle-definition predicates remain. | C014–C015; S008 §571.3(b). |
| M08 | 10 persons or less | Incorporated multipurpose-passenger-vehicle design capacity. | Inclusive upper bound; excludes low-speed vehicle or trailer and retains truck-chassis/special off-road-feature condition. No actual vehicle classification. | C014; S008 §571.3(b). |
| M09 | November 12, 1999 / preceding-day references | Historical Board activity incorporations. | These are legal reference dates in §1843(k)(4)(F)–(G); they are not a present business-duration threshold. The old separate FTC transition qualification was later removed. | C031, C087–C089; S004, S009, S011. |
| M10 | 30 days in each §1843(k)(2) coordination route | Treasury response after receipt of Board notice; Board initiation decision after receipt of Treasury recommendation. | “Not later than” boundary; each route allows the specified longer period. Banking classification procedure, not a consumer response deadline. | C032; S004 §1843(k)(2)(A)(ii), (B)(ii). |
| M11 | November 13, 2000; July 1, 2001 | Original rule effectiveness and compliance/existing-customer notice transition. | Historical fixed dates. Old §313.18(b) used “by” and identified customers on the compliance date. Removed provision, not a current notice deadline. | C087; S011 §313.18(a)–(b). |
| M12 | Old service-contract grandfathering: contracts entered on or before July 1, 2000, treatment until July 1, 2002 | Historical nonaffiliated service/function contracts under old §313.18(c). | Inclusive entry-date wording; “until” preserved without inventing a time-of-day/counting rule. Limited stated confidentiality-term treatment; not current permission. | C087; S011 §313.18(c); S009 instruction 7. |
| M13 | December 31, 2009; January 1, 2012 exception date | 2009 final-rule amendment effectiveness. | Instruction 37 follows the general date. Delayed dates concern the specifically identified other removal instructions. | C090; S010 Dates, instruction 37. |
| M14 | July 21, 2011 designated transfer date | Title X authority-transfer trigger. | Published designation, not a calculated date. §1029A excepts §§1022, 1024, 1025(e); §1100H retains its other-provision qualification and excludes §§1081–1082 from its general trigger. | C091; S012–S013. |
| M15 | January 10, 2022 | Effectiveness of 2021 FTC amendments. | Applies to the amendments as stated in the final rule, including selected scope/definition changes and §313.18 removal. | C088–C089; S009 Dates. |
| M16 | Title III: 1 year default; extension no later than 18 months; extension notice no later than 270 days; abolition 90 days after transfer date | §5411 transfer process and §5413 abolition. | Preserve consultation, infeasibility determination, explanation, designated date, implementation steps, and publication predicates. No extension history or actual resulting date calculated. | C092; S014. |
Blank field · Evidence · Authority entry · 50 data rows
| Blank field | Evidence | Authority entry | Analysis | Result |
|---|---|---|---|---|
| Source title and issuer | ||||
| Literal public source URL | ||||
| Exact section/subsection/read bounds | ||||
| Displayed compilation/version | ||||
| Publication date | ||||
| Effective/application provision | ||||
| Actual access date and time zone | ||||
| Original/alternate access and failure | ||||
| Legal publication status | ||||
| Selected federal jurisdiction category | ||||
| Incorporated statutory category | ||||
| Activity classification | ||||
| Degree-of-engagement predicate | ||||
| Dealer-predominance predicate | ||||
| Statutory function/exclusion qualification | ||||
| Individual/company/person distinction | ||||
| Personal/family/household purpose | ||||
| Business/commercial/agricultural boundary | ||||
| Consumer-status basis | ||||
| Customer/continuing-relationship basis | ||||
| Isolated-transaction distinction | ||||
| Former-relationship issue | ||||
| Legal-representative boundary | ||||
| Affiliate/control route | ||||
| Nonaffiliated-third-party qualification | ||||
| Joint-employee/other-company distinction | ||||
| Investment-activity qualification | ||||
| Collection/retrievability category | ||||
| Consumer-provided information route | ||||
| Transaction-result information route | ||||
| Otherwise-obtained financial connection | ||||
| Current/past relationship-revealing information | ||||
| List/grouping derivation | ||||
| Nonpublic input qualification | ||||
| Nonidentifying aggregate/blind-data qualification | ||||
| Public-source category | ||||
| Lawful general-public availability basis | ||||
| Publicly available type determination | ||||
| Suppression-choice predicate | ||||
| Disclosure-manner qualification | ||||
| Applicable example and its limits | ||||
| Clear/conspicuous definition issue | ||||
| Amendment/transition issue | ||||
| Quantity/unit/denominator/trigger | ||||
| Inclusive/strict/undefined boundary | ||||
| Downstream authority not yet examined | ||||
| Other federal/State/tribal law boundary | ||||
| Missing public authority | ||||
| Unresolved application issue | ||||
| Next generic public-law inquiry |
Request/subquestion · Status and finding · Claim/source/branch crosswalk · 41 data rows
| Request/subquestion | Status and finding | Claim/source/branch crosswalk | Missing evidence and exact next permissible inquiry |
|---|---|---|---|
| 1.1 Complete §313.1 | Answered: all purpose and scope text read. | C001, C004–C013; S001–S003. | Actual application absent; B01–B03 govern the next generic classification inquiry. |
| 1.2 Complete §313.2 | Answered: both paragraphs and conditions read; current organization differs from original title. | C084–C086, C090; S001, S010–S011. | Appendix A/full notice application excluded; next component is Appendix A with §§313.6–.9. |
| 1.3 Complete §313.3 | Answered: opening qualification and every definition/example through (q). | C024–C083; S001. | Actual predicates absent; no additional definition assumed. |
| 1.4 Issuer/title/authority/status | Answered with publication-status limit. | C001–C004; S001–S003, S009–S012. | No unseen UI/model provenance or exhaustive later-law certification. |
| 1.5 Currentness/access/effective triggers | Partial: actual access, displayed currency, selected amendments and triggers established. | C002–C003, C086–C094; S001, S009–S014. | Later enactment/judicial chain unexamined; check official amendments specifically affecting selected sections after displayed cutoff. |
| 1.6 Indispensable statutory category | Answered for selected boundary: §6804/§5519 and relevant §1843(k), §6809, §1681a(f) text read. | C004–C041, C056; S002–S007. | Full referenced regimes held; exact next locations listed in §4 and B10/B16/B25. |
| 1.7 Additional vehicle/person definitions | Partial: narrow incorporated categories read. | C012–C019; S008, S016; B27. | Complete technical/successor and CFPA product-category analysis not done; next is only the indispensable category provision. |
| 2.1 Jurisdiction versus financial involvement | Answered boundary. | C004, C007–C012, C025–C027; B01–B02. | No actual institutional/business predicates. |
| 2.2 Financial and incidental activity | Answered selected categories and conditions; broader catalog application held. | C026–C041; S004, S007; B02/B20. | Any new activity needs its current generic classification authority. |
| 2.3 Significant versus predominant engagement | Answered distinction; factual application unresolved. | C007, C026; B02. | No numeric significant/predominant formula established; seek official generic interpretation if needed. |
| 2.4 Consumer versus commercial purpose | Answered selected scope. | C006, C050; B03/B07. | Mixed-purpose and other-law treatment held. |
| 2.5 Express inclusions/exclusions | Answered as qualified categories. | C008–C022, C027–C029; B25–B27. | No actual assignment, charter, licensing, or investment facts. |
| 2.6 Illustrative examples’ legal function | Answered: nonexclusive with conditional compliance effect. | C084–C085; B17. | A category resemblance does not establish applicability. |
| 2.7 Generic debt-relief/retailer/adviser/website roles | Answered boundary; actual classification unresolved. | C027, C033–C041, C089; B20. | Correct activity and regulator inquiry remains necessary. |
| 3.1 Affiliate/company/control | Answered complete selected definitions. | C042, C048–C049; S001; B08. | Actual control absent; next generic inquiry must address the particular control route. |
| 3.2 Consumer and legal representative | Answered definition and all five examples. | C050–C055; B04/B07/B22. | Actual representation authority and financial nexus held. |
| 3.3 Customer/customer relationship | Answered definition and positive/negative examples. | C057–C059; B04–B05. | Downstream timing/duty provisions remain separate. |
| 3.4 Former customer | Partial; branch adapted: not a standalone selected definition. | C060, C073; B06. | Complete §313.5(b) is the specific next inquiry. |
| 3.5 Nonaffiliated third party | Answered base/joint-employee rules; investment application partial. | C038–C039, C062–C063; B09–B10. | Underlying investment-authority predicates held. |
| 3.6 Financial institution/product/service/you | Answered selected definitions and jurisdiction linkage. | C025–C041; B01/B02/B20. | Actual institution or activity not classified. |
| 3.7 Other glossary terms | Answered: clear/conspicuous, collect, company, consumer-reporting agency, federal functional regulator. | C024, C042–C047, C056; S001, S005–S006. | Full notices, FCRA, and successor-agency mapping excluded. |
| 3.8 No inferred consent/authority/privilege/entitlement | Answered boundary. | C064, C095; B19/B22. | Relevant separate substantive authority would be required. |
| 4.1 NPI definition and exclusions | Answered complete selected text. | C065–C068; S001; B11/B14. | Actual derivation and disclosure manner absent. |
| 4.2 PIFI three routes | Answered. | C069–C071; B11–B12. | Actual source/transaction/service connection absent. |
| 4.3 PIFI included examples | Answered: all (o)(2)(i)(A)–(G) covered. | C072–C075. | No records, cookies, or reports inspected. |
| 4.4 PIFI excluded examples | Answered: both (o)(2)(ii) examples covered. | C076–C077; B14. | Actual institution-status and nonidentification predicates absent. |
| 4.5 Publicly available information | Answered three source classes and lawful/reasonable-basis conditions. | C078–C079; B13/B15. | No provenance or suppression facts established. |
| 4.6 Every public-information example | Answered: records, media, websites, relevant-recording-jurisdiction and telephone examples. | C080–C082; S001. | No public-record or person lookup undertaken. |
| 4.7 Public availability versus permission | Answered boundary. | C083; B15/B19/B21. | Downstream and other-law permissions remain unexamined. |
| 5.1 Original 2000 scope/transition | Answered selected historical text. | C086–C087; S011. | No complete original-rule or historical application dossier. |
| 5.2 2009 §313.2 amendment | Answered text/dates; PDF access partial. | C090, C093; S010. | Official PDF visual read unavailable; ordinary later reopening is permissible. |
| 5.3 2010 authority transfer | Answered selected amendatory body and date designation. | C091; S012–S013. | Complete transfer-of-powers and other regulator rules held. |
| 5.4 2021 scope/definitions/removal | Answered selected amendatory body and effective date. | C088–C089; S009. | Other 2021 downstream amendments not fully analyzed. |
| 5.5 Regulator-list alignment | Partial: current regulatory list, statutory list, and abolition provisions distinguished. | C024, C092; S005, S009, S014. | Complete successor-authority/extension history not determined. |
| 5.6 Later law/judicial/enforcement/remedies | Unresolved or excluded as specified. | C094–C095. | No no-later-law, preemption, standing, penalty, private-action, or judicial-resolution claim. |
| 6.1 Source-linked comparisons | Answered: category, relationship, and information comparisons supplied. | §3; C004–C085. | Actual applicability remains absent. |
| 6.2 Conditional branches | Answered: B01–B27 each includes rule, conditions, missing predicates, adverse inference, and next inquiry. | §5, including every requested branch subject. | Individual branch status remains controlling; no blanket application finding. |
| 7.1 Wholly blank worksheet | Answered: all evidence/authority/analysis/result cells blank. | §7. | No records requested or completed entries created. |
| 7.2 Quantities/periods/triggers | Answered for reported findings: measurement register supplied. | M01–M16; relevant claims. | No actual calculations; counting/application issues remain where not supplied by the text. |
| 7.3 Numerical model/calendar arithmetic | Excluded: unnecessary and not performed. | Scope; §6. | No model or actual deadline is needed to establish these definitions. |
| All requests — parent/operational/publication acceptance | Excluded: no acceptance or application approval supplied. | C095; §10. | All parent holds remain. |
Requested branch subject · Coverage row · Finding/claim crosswalk · 26 data rows
| Requested branch subject | Coverage row | Finding/claim crosswalk | Remaining issue and exact inquiry pointer |
|---|---|---|---|
| Covered jurisdiction unknown | B01 | C004, C007–C012, C025 | §5519/§6804 category interaction. |
| Activity and engagement unknown | B02 | C026–C033 | Generic significant-engagement interpretation. |
| Consumer/commercial purpose | B03 | C006, C050 | “Primarily” and mixed-purpose interpretation. |
| Consumer/customer | B04 | C050–C059 | §313.4 timing if later needed. |
| Transaction/continuing relationship | B05 | C057–C059 | Complete category-specific §313.3(i) analysis. |
| Former customer | B06 | C060, C073 | Complete §313.5(b). |
| Individual/entity | B07 | C006, C017–C019, C042, C050 | Definition-specific statutory scope. |
| Affiliate/control | B08 | C048–C049 | Applicable §313.3(g) control route. |
| Nonaffiliated third party | B09–B10 | C038–C039, C062–C063 | Joint-employment or investment-category predicates. |
| Supplied/derived information | B11 | C065–C071 | §313.3(n) provenance/derivation analysis. |
| Otherwise obtained information | B12 | C071, C074–C075 | Financial connection; separate §1681a(d) if necessary. |
| Public availability/reasonable basis | B13 | C078–C079 | Public type and suppression conditions. |
| Lists/groupings | B14 | C065–C068, C077 | Derivation plus identification/disclosure manner. |
| Claimed public source | B15 | C078–C082 | Generic record-availability law, without record queries. |
| Separate regulator boundary | B16 | C009–C024 | Exact corresponding regulator/jurisdiction provisions. |
| Example/applicability | B17 | C058–C059, C084–C085 | Whole example plus scope predicates. |
| Historical transition | B18 | C086–C094 | Official amendments after displayed boundary. |
| Downstream rules unexamined | B19 | C005, C064, C083–C085 | Precise locations in §4. |
| Debt-relief role/activity | B20 | C007, C026–C041, C089 | Generic activity and correct regulator analysis. |
| State/other federal law | B21 | C011, C023, C083, C095 | §§313.16–.17 plus specific other-law component. |
| Additional representative boundary | B22 | C050, C064 | Separate generic representation authority. |
| Additional notice/model boundary | B23 | C043–C046, C084–C085 | Appendix A and §§313.6–.9. |
| Additional source-failure/currentness boundary | B24 | C002–C003, C090, C093–C094 | Ordinary official PDF reopening/published-edition comparison. |
| Additional statutory-exclusion boundary | B25 | C020–C022 | Exact exclusion and corresponding authority. |
| Additional duration boundary | B26 | C028–C029 | Official clarification of >90 versus ≥90 wording. |
| Additional vehicle/dealer boundary | B27 | C012–C019 | Narrow statutory/technical category and successor inquiry. |
Log item · Source/endpoint · Result and actual reading · 14 data rows
| Log item | Source/endpoint | Result and actual reading | Evidentiary treatment |
|---|---|---|---|
| L01 | S001 individual §§313.1, .2, .3 | Successfully opened; all selected provisions and examples read across initial and continuation views. | Primary current-compilation evidence. |
| L02 | S001 aggregate Part313 | Successfully opened; authority, organization, complete §313.2, and selected-body context read. | Same regulatory instrument; not independent corroboration. Different displayed §313.2 currency retained. |
| L03 | S002–S006 OLRC statutes | Successfully opened. §6804 and §5519 complete bodies; §1843(k) selected complete subsection; §6809 definition body; §1681a(f) narrow definition. | Reliance restricted to stated bounds. Other returned FCRA/BHCA text not treated as complete regime analysis. |
| L04 | S007 Regulation Y | Both endpoints accessible. Selected §225.28 activity/lease text and footnote; §225.86 activity/finder/determination text read. | Current incorporated-category evidence. Institution-specific authorizing orders not opened. |
| L05 | S008 vehicle definitions | Both current endpoints accessible; relevant definitions read. | Narrow §5519 category tracing only; no vehicle, license, or safety-compliance determination. |
| L06 | S009 2021 final rule, HTML and official PDF | Both accessible. Dates and complete selected instructions1–3 and7 read; pertinent explanation read. | Regulatory text distinguished from agency explanation; related formats grouped. No PDF-pixel claim. |
| L07 — failure preserved | https://www.govinfo.gov/content/pkg/FR-2009-12-01/pdf/E9-27882.pdf | Retrieval failed: 400 / content length too large, 35,798,204 bytes as reported by the browsing response. | No PDF body, page-index, or form-visual verification claimed. This was a retrieval limitation, not proof that the agency withdrew or removed the rule. |
| L08 — ordinary alternate | S010 GovInfo HTML and FederalRegister.gov HTML | Public text alternate accessible; Dates and complete FTC instruction37/§313.2 read. | Supports selected amendatory text and date. Does not erase L07 or authenticate unseen model-form graphics. |
| L09 | S011 original 2000 PDF | Accessible; selected original §§313.1–.2 and full old §313.18 read. | Historical evidence only where superseded/removed; no complete 44-page reading claim. |
| L10 | S012 Public Law111-203 PDF | Accessible; selected amendment and effective-trigger provisions read. | No claim to have read all849 pages or resolved the entire transfer framework. |
| L11 | S013 transfer-date notice PDF | Accessible; designation/Dates and pertinent context read. | Title X date evidence. Adjacent unrelated notices not used. |
| L12 | S014–S016 narrow statutory openings | Accessible; specified abolition, incorporated transaction, and Title X definition provisions read. | Narrow cross-reference/context evidence only. |
| L13 — discovery only | Search results for official rule history/current amendments; FTC rule-library/older FAQ hits; mirrors and indexes | Used to locate sources. No mirror or search snippet substituted for a current official statutory/regulatory body. | No claim of exhaustive search or absence of later amendments. Older FAQ and mirror statements were not substantive foundations. |
| L14 — held downstream material | Part313 notice/sharing provisions, model-form material, and adjacent statutory text appearing in search/open results | Some headings/fragments were returned while locating exact cross-references. | Not characterized as a full read or full analysis of those regimes; no downstream permission inferred. |
Gap · What is established · What is not established · 12 data rows
| Gap | What is established | What is not established | Next permissible generic inquiry |
|---|---|---|---|
| Actual applicability | Generic cumulative scope and definition predicates. | Any actual institution’s status, licensing, activities, predominance, significant engagement, or consumer purpose. | Category-specific public law only; actual records remain held. |
| Full currentness chain | Displayed October2026 compilations and selected actual amendatory instruments. | Exhaustive post-cutoff enactments, all intervening amendments, judicial treatment, stays, or complete successor history. | Official amendment/history review confined to the selected provisions. |
| 2009 PDF/visual evidence | Selected official-host text amendment and dates. | Official PDF pixels, PDF page indices, or complete model-form visual/instruction review. | Ordinary public PDF reopening or exact official-edition comparison. |
| Engagement thresholds | “Significantly” and “predominantly” are different predicates; selected examples read. | Universal quantitative tests or a finding about any business. | Current official generic interpretation of the precise predicate. |
| 90-day textual distinction | Both strict example wording and inclusive underlying initial-term wording. | A universal outcome at the exact boundary. | Authoritative generic clarification, without an actual lease or calendar. |
| Other regulator regimes | Statutory rulemaking allocations and exclusions. | Complete Regulation P, CFTC, securities, insurance, FCRA, or enforcement application. | Exact corresponding jurisdiction and rule provisions. |
| Investment-affiliate treatment | Express §313.3(m)(2) inclusion and statutory category conditions. | Actual investment authority, special authorization, holder status, or State investment-law compliance. | Narrow public implementing law for the applicable statutory category. |
| Former-customer consequences | Absence of a standalone selected definition and inclusion of past relationship information. | Complete termination/timing, notices, or surviving restrictions. | Full §313.5(b) and indispensable related provisions. |
| Information provenance/classification | All selected routes, derivation distinctions, exclusions, and public-availability conditions. | Any actual data source, suppression choice, list construction, identification risk, or disclosure manner. | Generic interpretation of the applicable definition using blank analytical fields. |
| Downstream permissions and duties | Precise next-provision map. | Notice compliance, opt-out outcome, exception, reuse, marketing, confidentiality, security, deletion/access, or consent. | Separately scoped complete downstream provision. |
| Representation and other A072 subjects | Defined-term limits. | Powers of attorney, e-signatures, privilege, professional duties, enrollment/cancellation, recording, marketing, settlement authority, or actual rights. | Separate public-law component if later authorized. |
| Acceptance | A bounded public-text investigation and researcher self-check. | Component, A072/parent, operational, or publication acceptance. | None is inferred or granted by this report. |
Check · Result · Limitation retained · 11 data rows
| Check | Result | Limitation retained |
|---|---|---|
| Prior-report independence | R032/R040/R049 conclusions were not used as premises or source packets. | This is not a review of those reports. |
| Complete selected-body reading | §§313.1, .2, and .3, including every selected definition/example, were read. | Does not mean all of Part313 or all referenced regimes were read. |
| Statutory incorporation | Actual §6804, §5519, relevant §1843(k), §6809, and §1681a(f) bodies were opened. | Further regime-specific authority remains expressly bounded. |
| Amendment authentication | Actual selected 2009/2021 amendatory text and relevant original/transfer provisions were read. | Source credits and currentness labels were not treated as exhaustive history. |
| Examples | Conditional compliance effect under §313.2(b) preserved. | No actual applicability established from a label. |
| Relationship distinctions | Consumer, customer, continuing relationship, affiliate/control, nonaffiliated category, and former-customer boundary separated. | No ownership, agency, assent, consent, or privilege inferred. |
| Information distinctions | All three PIFI routes, NPI derivation rules, exclusions, public-source classes, and reasonable-basis conditions preserved. | No actual data or dataset examined. |
| Quantities | Units, denominators, strict/inclusive wording, actors, triggers, and qualifications recorded where material. | No actual deadline or financial calculation. |
| Failure transparency | 2009 PDF failure and successful text alternate both retained. | No unseen PDF/form or whole-document claim. |
| Public-text-only conduct | Public legal texts and generic legal-category searches used. | No accounts, contact, filings, identifying queries, actual records, or completed forms. |
| Review status | This is the researcher’s own consistency and scope check. | Not independent review, not model/UI verification, and not acceptance. |
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.
Recorded check status: scoped selected primary and crosslink review with explicit currentness history application holds
Recorded check status: scoped selected primary and crosslink review with explicit currentness history application holds
Recorded check status: scoped selected primary and crosslink review with explicit currentness history application holds
Recorded check status: scoped selected primary and crosslink review with explicit currentness history application holds
Recorded check status: scoped selected primary and crosslink review with explicit currentness history application holds
Recorded check status: scoped selected primary and crosslink review with explicit currentness history application holds
Recorded check status: scoped selected primary and crosslink review with explicit currentness history application holds
Recorded check status: scoped selected primary and crosslink review with explicit currentness history application holds
Recorded check status: scoped selected primary and crosslink review with explicit currentness history application holds
Recorded check status: scoped selected primary and crosslink review with explicit currentness history application holds
Recorded check status: scoped selected primary and crosslink review with explicit currentness history application holds
Recorded check status: scoped selected primary and crosslink review with explicit currentness history application holds
Recorded check status: scoped selected primary and crosslink review with explicit currentness history application holds
Recorded check status: scoped selected primary and crosslink review with explicit currentness history application holds
Recorded check status: scoped selected primary and crosslink review with explicit currentness history application holds
Recorded check status: scoped selected primary and crosslink review with explicit currentness history application holds
Recorded check status: scoped selected primary and crosslink review with explicit currentness history application holds
Recorded check status: scoped selected primary and crosslink review with explicit currentness history application holds
Recorded check status: scoped selected primary and crosslink review with explicit currentness history application holds
Recorded check status: scoped selected primary and crosslink review with explicit currentness history application holds
Recorded check status: scoped selected primary and crosslink review with explicit currentness history application holds
Recorded check status: scoped selected primary and crosslink review with explicit currentness history application holds
Recorded check status: scoped selected primary and crosslink review with explicit currentness history application holds
Recorded check status: scoped selected primary and crosslink review with explicit currentness history application holds
Recorded check status: scoped selected primary and crosslink review with explicit currentness history application holds
Recorded check status: scoped selected primary and crosslink review with explicit currentness history application holds
Recorded check status: scoped selected primary and crosslink review with explicit currentness history application holds
Recorded check status: scoped selected primary and crosslink review with explicit currentness history application holds
Recorded check status: scoped selected primary and crosslink review with explicit currentness history application holds
Recorded check status: scoped selected primary and crosslink review with explicit currentness history application holds
Recorded check status: scoped selected primary and crosslink review with explicit currentness history application holds
Recorded check status: scoped selected primary and crosslink review with explicit currentness history application holds
Recorded check status: scoped selected primary and crosslink review with explicit currentness history application holds
Recorded check status: scoped selected primary and crosslink review with explicit currentness history application holds
Recorded check status: scoped selected primary and crosslink review with explicit currentness history application holds
Recorded check status: scoped selected primary and crosslink review with explicit currentness history application holds
Recorded check status: scoped selected primary and crosslink review with explicit currentness history application holds
Recorded check status: scoped selected primary and crosslink review with explicit currentness history application holds
Recorded check status: scoped selected primary and crosslink review with explicit currentness history application holds
Recorded check status: scoped selected primary and crosslink review with explicit currentness history application holds
Recorded check status: scoped selected primary and crosslink review with explicit currentness history application holds
Recorded check status: scoped selected primary and crosslink review with explicit currentness history application holds
Recorded check status: scoped selected primary and crosslink review with explicit currentness history application holds
Recorded check status: scoped selected primary and crosslink review with explicit currentness history application holds
Recorded check status: scoped selected primary and crosslink review with explicit currentness history application holds
Recorded check status: scoped selected primary and crosslink review with explicit currentness history application holds
Recorded check status: scoped selected primary and crosslink review with explicit currentness history application holds
Recorded check status: scoped selected primary and crosslink review with explicit currentness history application holds
Recorded check status: scoped selected primary and crosslink review with explicit currentness history application holds
Recorded check status: scoped selected primary and crosslink review with explicit currentness history application holds
Recorded check status: scoped selected primary and crosslink review with explicit currentness history application holds
Recorded check status: scoped selected primary and crosslink review with explicit currentness history application holds
Recorded check status: scoped selected primary and crosslink review with explicit currentness history application holds
Recorded check status: scoped selected primary and crosslink review with explicit currentness history application holds
Recorded check status: scoped selected primary and crosslink review with explicit currentness history application holds
Recorded check status: scoped selected primary and crosslink review with explicit currentness history application holds
Recorded check status: scoped selected primary and crosslink review with explicit currentness history application holds
Recorded check status: scoped selected primary and crosslink review with explicit currentness history application holds
Recorded check status: scoped selected primary and crosslink review with explicit currentness history application holds
Recorded check status: scoped selected primary and crosslink review with explicit currentness history application holds
Recorded check status: scoped selected primary and crosslink review with explicit currentness history application holds
Recorded check status: scoped selected primary and crosslink review with explicit currentness history application holds
Recorded check status: scoped selected primary and crosslink review with explicit currentness history application holds
Recorded check status: scoped selected primary and crosslink review with explicit currentness history application holds
Recorded check status: scoped selected primary and crosslink review with explicit currentness history application holds
Recorded check status: scoped selected primary and crosslink review with explicit currentness history application holds
Recorded check status: scoped selected primary and crosslink review with explicit currentness history application holds
Recorded check status: scoped selected primary and crosslink review with explicit currentness history application holds
Recorded check status: scoped selected primary and crosslink review with explicit currentness history application holds
Recorded check status: scoped selected primary and crosslink review with explicit currentness history application holds
Recorded check status: scoped selected primary and crosslink review with explicit currentness history application holds
Recorded check status: scoped selected primary and crosslink review with explicit currentness history application holds
Recorded check status: scoped selected primary and crosslink review with explicit currentness history application holds
Recorded check status: scoped selected primary and crosslink review with explicit currentness history application holds
Recorded check status: scoped selected primary and crosslink review with explicit currentness history application holds
Recorded check status: scoped selected primary and crosslink review with explicit currentness history application holds
Recorded check status: scoped selected primary and crosslink review with explicit currentness history application holds
Recorded check status: scoped selected primary and crosslink review with explicit currentness history application holds
Recorded check status: scoped selected primary and crosslink review with explicit currentness history application holds
Recorded check status: scoped selected primary and crosslink review with explicit currentness history application holds
Recorded check status: scoped selected primary and crosslink review with explicit currentness history application holds
Recorded check status: scoped selected primary and crosslink review with explicit currentness history application holds
Recorded check status: scoped selected primary and crosslink review with explicit currentness history application holds
Recorded check status: scoped selected primary and crosslink review with explicit currentness history application holds
Recorded check status: scoped selected primary and crosslink review with explicit currentness history application holds
Recorded check status: scoped selected primary and crosslink review with explicit currentness history application holds
Recorded check status: scoped selected primary and crosslink review with explicit currentness history application holds
Recorded check status: scoped selected primary and crosslink review with explicit currentness history application holds
Recorded check status: scoped selected primary and crosslink review with explicit currentness history application holds
Recorded check status: scoped selected primary and crosslink review with explicit currentness history application holds
Recorded check status: scoped selected primary and crosslink review with explicit currentness history application holds
Recorded check status: scoped selected primary and crosslink review with explicit currentness history application holds
Recorded check status: prior PDF failure attributed not freshly retried;selected official HTML amendment checked
Recorded check status: explicit currentness application and parent limits preserved
Recorded check status: explicit currentness application and parent limits preserved
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.
Recorded check status: selected primary bodies checked with exact read bounds
Recorded check status: selected primary bodies checked with exact read bounds
Recorded check status: selected primary bodies checked with exact read bounds
Recorded check status: selected primary bodies checked with exact read bounds
Recorded check status: selected primary bodies checked with exact read bounds
Recorded check status: selected primary bodies checked with exact read bounds
Recorded check status: selected primary bodies checked with exact read bounds
Recorded check status: selected primary bodies checked with exact read bounds
Recorded check status: selected primary bodies checked with exact read bounds
Recorded check status: selected official HTML amendment verified PDF prior failure not freshly retried
Recorded check status: selected primary bodies checked with exact read bounds
Recorded check status: selected primary bodies checked with exact read bounds
Recorded check status: selected primary bodies checked with exact read bounds
Recorded check status: selected primary bodies checked with exact read bounds
Recorded check status: selected primary bodies checked with exact read bounds
Recorded check status: selected primary bodies checked with exact read bounds
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.
Recorded check status: recorded; no individual primary acceptance inferred
Recorded check status: recorded; no individual primary acceptance inferred
Recorded check status: recorded; no individual primary acceptance inferred
Recorded check status: recorded; no individual primary acceptance inferred
Recorded check status: recorded; no individual primary acceptance inferred
Recorded check status: recorded; no individual primary acceptance inferred
Recorded check status: recorded; no individual primary acceptance inferred
Recorded check status: recorded; no individual primary acceptance inferred
Recorded check status: recorded; no individual primary acceptance inferred
Recorded check status: recorded; no individual primary acceptance inferred
Recorded check status: recorded; no individual primary acceptance inferred
Recorded check status: recorded; no individual primary acceptance inferred
Recorded check status: recorded; no individual primary acceptance inferred
Recorded check status: recorded; no individual primary acceptance inferred
Recorded check status: recorded; no individual primary acceptance inferred
Recorded check status: recorded; no individual primary acceptance inferred
Recorded check status: recorded; no individual primary acceptance inferred
Recorded check status: recorded; no individual primary acceptance inferred
Recorded check status: recorded; no individual primary acceptance inferred
Recorded check status: recorded; no individual primary acceptance inferred
Recorded check status: recorded; no individual primary acceptance inferred
Recorded check status: recorded; no individual primary acceptance inferred
Recorded check status: recorded; no individual primary acceptance inferred
Recorded check status: recorded; no individual primary acceptance inferred
Recorded check status: recorded; no individual primary acceptance inferred
Recorded check status: recorded; no individual primary acceptance inferred
Recorded check status: recorded; no individual primary acceptance inferred
Recorded check status: recorded; no individual primary acceptance inferred
Recorded check status: recorded; no individual primary acceptance inferred
Recorded check status: recorded; no individual primary acceptance inferred
Recorded check status: recorded; no individual primary acceptance inferred
Recorded check status: recorded; no individual primary acceptance inferred
Recorded check status: recorded; no individual primary acceptance inferred
Recorded check status: recorded; no individual primary acceptance inferred
Recorded check status: recorded; no individual primary acceptance inferred
Recorded check status: recorded; no individual primary acceptance inferred
Recorded check status: recorded; no individual primary acceptance inferred
Recorded check status: recorded; no individual primary acceptance inferred
Recorded check status: recorded; no individual primary acceptance inferred
Recorded check status: recorded; no individual primary acceptance inferred
Recorded check status: recorded; no individual primary acceptance inferred
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.
No currently queued material correction is mapped to this component. This does not remove its currentness, access, jurisdiction or application limits.
reviewed with currentness history and application holds
Original saved Markdown SHA-256: ca253fec6096fcb99578ae228f4d41ac2cb6d0a057c08ab117eefa9ea3677a4c. Public formatting, private-reference removal and correction annotations are separate from that immutable original.