Reg Z — TILA Billing-Error Resolution (12 CFR 1026.13) · vTILA / Regulation Z — 12 CF…

Reg Z — TILA Billing-Error Resolution (12 CFR 1026.13)

Reg Z — TILA Billing-Error Resolution (12 CFR 1026.13) — 75% covered.

4 requirements · 3 enforced · 0 designed · 0 advisory · 0 deferred.

Source: The Truth in Lending Act and Regulation Z (12 CFR Part 1026) govern billing-error resolution for credit accounts in the United States. §1026.13 requires a creditor to acknowledge a billing-error notice, investigate, correct the account or send a written explanation of why no error occurred, and refrain from adverse action while the dispute is pending. KYE Protocol™ governs whether a correction / credit / billing-error determination in the dispute flow may PROCEED — under a named owner's recorded authority, with the transaction evidence captured as evidence events at transaction time, with a signed Evidence Pack, and a recorded contestable determination. KYE does not adjudicate whether a billing error in fact occurred, decide whether to fight a dispute, or do fraud scoring. · License: Regulation Z (12 CFR Part 1026) is a US government work in the public domain; the KYE registry paraphrases each requirement's intent and cites the official section identifier for mapping purposes only.

By category

CategoryReqsEnforcedDesignedAdvisoryDeferredCoverage
Named-authority on the account correction / credit action 1 1 0 0 0 100%
Billing-dispute evidence record captured at transaction time 1 1 0 0 0 100%
Contestability & written-explanation reconstruction 1 1 0 0 0 100%
Substantive billing-error adjudication on the merits 1 0 0 0 0 0%

Every requirement → the KYE™ artefact that enforces it

IDTitleStatusKYE™ enforcement
reg-z.billing-error-resolution-record An account correction / credit in the billing-error flow proceeds only under a recorded named-authority decision enforced audit_events: kye.purpose.request.v1, kye.purpose.admissibility.v1, kye.evidence.decision_map.v1
engines: internal, internal
rule_packs: kye:rule-pack:chargeback-evidence
dictionaries: internal
constitution_refs: constitution/12-PURPOSE-PERMISSION.md
reg-z.billing-dispute-evidence-record The billing-dispute investigation rests on an evidence trail captured at transaction time enforced audit_events: kye.evidence.decision_map.v1, kye.evidence.pack.v1
engines: internal
rule_packs: kye:rule-pack:chargeback-evidence
constitution_refs: constitution/13-RESILIENCE-LOOP.md
reg-z.billing-dispute-contestability Contestability & reconstruction of the billing-error determination and the written explanation enforced audit_events: kye.evidence.pack.v1, kye.replay.context_seal.v1, kye.replay.proof.v1
engines: internal, internal
rule_packs: kye:rule-pack:chargeback-evidence
constitution_refs: constitution/13-RESILIENCE-LOOP.md, constitution/21-DELEGATED-AUDITABILITY.md
reg-z.substantive-billing-error-adjudication Substantive adjudication of whether a billing error in fact occurred out-of-scope (no enforcement cited)