Every change SettleUp Collections ships, dated and source-linked.

Dispute-window rule re-pinned at v1.3.0 — removed the § 1692g(d) prose from this rule's enforcement and rationale; this rule now covers the § 1692g(b) verification obligation only (30-day window + verification-upload path). The § 1692g(d) cease-of-collection obligation is its own row so a cite of either subsection resolves to one rule, not a co-fire. Supersedes v1.2.0.

Rule ID

fdcpa-1692g-b-dispute-window

Authority

15 U.S.C. § 1692g (b)

Jurisdiction

Federal

New standalone rule codified at v1.0.0 — collection activity "shall cease" until verification is mailed. Prior text was conjoined with § 1692g(b) verification across the validation-notice rationale and the dispute-window enforcement copy; this row now resolves cleanly against its own slug. Verbatim § 1692g(d) text is locked in `VALIDATION_NOTICE_D` and post-inserted into every dispute reply.

Rule ID

fdcpa-1692g-d-cease-collection

Authority

15 U.S.C. § 1692g (d)

Jurisdiction

Federal

Published the `demo-workspace-activation-tour` Now roadmap item — the skippable + restartable five-step checklist above the masthead on `/demo/workspace` advances from inquiry to "Now" with `?tour=show` re-hydration for returning visitors. Synthetic only, no card entry preserved.

Rule ID

—

Authority

Guided first-run demo tour DEMO_FIRST_RUN_TOUR

Jurisdiction

Federal

New rule codified at v0.1.0 — § 1681b(a) enumerated purposes + § 1681b(b) certification requirement. The agent hard-blocks any FCRA-track action until `consumerCertification.signedAt` lands on the matter and `purposeClass` is one of the enumerated grounds; missing evidence returns 422 `no_permissible_purpose` from POST /api/fcra/permissible-purpose. The row is codified; the legal gate renders the FCRA reference in read-only mode while the required evidence boundary remains unresolved.

Rule ID

fcra-1681b-permissible-purpose

Authority

15 U.S.C. § 1681b (a)–(d)

Jurisdiction

Federal

New Reg F rule codified at v1.0.0 — hard itemization reconciliation as a pre-render assertion: the artifact's `total.deltaCents` must equal zero (asserted current balance minus charges+fees+interest minus payments) for the artifact to render. Any non-zero delta blocks the API call (422 + BlockedArtifactResponse).

Rule ID

regf-1006.34-itemization-balance

Authority

12 C.F.R. § 1006.34 (b)(6)

Jurisdiction

Federal

New Reg F rule codified at v1.0.0 — § 1006.18(b)/(c) Mini-Miranda block paired with the § 1692e(11) row on the source map so a single artifact satisfies both anchors. Same locked `MINI_MIRANDA` constant as the FDCPA rule.

Rule ID

regf-1006-18-disclosures

Authority

12 C.F.R. § 1006.18 (b), (c)

Jurisdiction

Federal

New Reg F rule codified at v1.0.0 — the no-admission element rendered verbatim from the locked disclosure string as the fifth enumerated item on the Model Form B-1. CFPB-preamble ordering preserved: dispute-window → identification → itemization → no-admission.

Rule ID

regf-1006.34-no-admission

Authority

12 C.F.R. § 1006.34 (b)(7)

Jurisdiction

Federal

New Reg F rule codified at v1.0.0 — the current/original creditor identity block rendered on the Model Form B-1. When `originalCreditorName` is null or equal to the current creditor, the line pivots off the § 1006.34(b)(4) exception clause and marks "current creditor is the original creditor".

Rule ID

regf-1006.34-original-creditor

Authority

12 C.F.R. § 1006.34 (b)(4)

Jurisdiction

Federal

New Reg F rule codified at v1.0.0 — Model Form B-1 layout as the rendering literal for the post-demo validation artifact. Header → creditor → consumer → account → itemization table → disclosure → contact, with every block pinned to its anchor rule slug via the source-map row at the foot of the artifact.

Rule ID

regf-1006.34-b-1-model-form

Authority

12 C.F.R. Part 1006, App. B Model Form B-1

Jurisdiction

Federal

New Reg F rule codified at v1.0.0 — 30-day validation-period clock anchored off the Model Form B-1 itemization date (not matter-open), plus the § 1006.34(b)(3) cease-of-collection pin-cite that mirrors FDCPA § 1692g(d). The validation artifact renders a hard refusal if the itemization-date column is missing.

Rule ID

regf-1006.34-validation-30-day

Authority

12 C.F.R. § 1006.34 (a)(1)(ii), (b)(3)

Jurisdiction

Federal

Codified the public sample demand letter — a single source of truth, `PUBLIC_SAMPLE_LETTER` in `src/lib/business/public-sample-letter.ts` — pulling the § 1692g(a)–(e) validation block + the § 1692e(11) Mini-Miranda from `fdcpa-text.ts` verbatim. Repaired three visible defects in the previous literal (demand-overshadows-validation, veiled-threat sentence, letter-date payment clock) so the working `/demo/workspace` sample and the public `/sample-letter` copy stay verbatim identical.

Rule ID

—

Authority

15 U.S.C. § 1692g · § 1692e(11) (a)–(e) · (11)

Jurisdiction

Federal