{"schema_version":"1","site":"https://decosa.ai","id":"reg-e-dispute-file","num":"67","name":"Reg E dispute investigation file","tool_name":"Investigate a Reg E dispute","short":"Reg E disputes","blurb":"For bank, credit union and fintech disputes teams, and the compliance officers who answer for their files. Give it the consumer's notice of an electronic fund transfer error (a chat, call transcript, form or letter), the account's transactions as CSV, and the investigation notes, events and results letter. It computes every Regulation E clock in code with the rule cited: notice within 60 days of the statement, 10 or 20 business days, provisional credit and its notice, 45 or 90 days, the report within 3 business days and the correction within 1. It quotes the notice's required elements, lists the file's gaps, and checks that a no-error letter explains the findings for this case and notes the right to request the documents relied on. It never decides a claim: a named investigator does, and the signed record keeps their decision as entered.","status":"live","labels":{"industry":["finance","compliance-trust"],"job":["review","attest"],"input":["text","files"],"deploy":["selfhost"],"status":"live","output":["record","data"],"data":["pii","confidential"],"hardware":"gpu-96","licence":"permissive"},"industries":["finance","compliance-trust"],"runs_in":["selfhost"],"part_of":[],"built_from":["grounding","typed-judgment","signed-record"],"models":"Qwen3.8-27B","where":"Self-host for real accounts (hosted demo: synthetic disputes only)","hardware":"1x RTX PRO 6000 (96 GB) for Qwen3.8-27B; the clocks, the checklist and the signed record need no GPU","final_artifact":"The file status, every clock with its rule and a timeline, the notice's elements with quotes, the checklist of gaps, the letter check, a Markdown file and a signed record with the investigator's determination as entered.","self_host_first":true,"verification":{"receipt_coverage":"full","summary":"Receipt per model call; every clock computed in code with its CFR rule; every quote found word for word; signed hash-chained investigation record","manual_qa":{"hosted":{"date":"2026-09-26","result":"pass","p50_ms":37750,"p95_ms":null,"runs":null,"receipts_per_run":8,"cost_per_run_usd":0.00568},"selfhost":{"date":"2026-09-26","result":"pass","method":"fresh clone of decosa-api into a clean directory on our server, api image built from docker/api/Dockerfile, compose api service with a named data volume, direct route, local signing; torn down after","notes":"The assembly prompt's smoke tests passed against the already-running local Qwen3.8-27B vLLM (network_mode host instead of the compose llm service): clocks as expected, cnp-generic-denial gaps with cannot_close in 18.6 s (8 attested receipts), p2p-scam-consumer-sent gaps with the consumer_sent coverage question, p2p-takeover-open open with no determination, record verified; the rehearsal bundle passed 14/14. Model-server startup was not re-run."},"known_limits":["Hosted verification ran on the pre-release server (decosa-api the pre-release branch on our server, gateway route). The production API gets this vertical when the branch merges.","Measured on synthetic, templated notices and letters written by the building agent; not on a bank's real notices, notes or letter templates.","Federal rules only: no Regulation Z, card-network rules or state law. Business days default to the Federal Reserve Banks' calendar.","The notice, notes and letter are read by a model and can be wrong in both directions; the clocks depend on the dates you send (statement dates in the CSV)."],"nightly_covers":null},"nightly":"https://api.decosa.ai/verify/status"},"eval_summary":{"metrics":[{"name":"Clocks agreeing with a second implementation","value":"2,763 / 2,763","unit":null,"n":2763,"split":"synthetic","note":"600 random disputes, 2026 to 2030; the oracle was written by the same author"},{"name":"Missing notice elements flagged (recall)","value":"0.956 (43/45)","unit":null,"n":45,"split":"test","note":"40 synthetic notices, run once after the prompts were frozen"},{"name":"Missing-element flags that were right (precision)","value":"0.977 (43/44)","unit":null,"n":44,"split":"test","note":null},{"name":"Notices with all five elements right","value":"37 / 40","unit":null,"n":40,"split":"test","note":"name, account, why, date, amount"},{"name":"Letter explanation specific or not","value":"20 / 20","unit":null,"n":20,"split":"test","note":"templated letters"},{"name":"Right-to-documents sentence found or missing","value":"20 / 20","unit":null,"n":20,"split":"test","note":"includes a paraphrase no keyword rule catches"},{"name":"Debit notice complete or not","value":"20 / 20","unit":null,"n":20,"split":"test","note":null},{"name":"Automated decisions","value":"0 / 9","unit":null,"n":9,"split":"synthetic","note":"5 samples and 4 injection attempts on the real model"}],"dataset":"56 synthetic notices (16 dev, 40 test) from 12 dispute scenarios in four channels; 27 templated results letters (7 dev, 20 test); 600 random disputes for the clocks; 5 demo files and 4 injection attempts.","held_out":true,"caveats":["The same author wrote the cases, the gold labels and the prompts.","Synthetic and templated only; no real bank notices or letters.","Letters come from a small set of variants: 20/20 shows the check works on clear cases, not on your templates.","Who made the transfer is not in the headline: raw agreement 24/40, with label errors on our side; it only picks a coverage note.","The clock oracle checks the code, not the reading of the rule."],"date":"2026-09-26","doc_url":"https://decosa.ai/metrics/evals/reg-e-dispute-file"},"stack":{"summary":"For bank, credit union and fintech disputes teams, and the compliance officers who answer for the files. Give it the consumer's notice of an electronic fund transfer error (a chat, call transcript, form or letter), the account's transactions as CSV and the investigation: notes, events, the investigator's determination and the results letter. Code computes every Regulation E clock from the dates, with the rule cited: the notice within 60 days of the statement, 10 or 20 business days to decide, provisional credit and its notice, 45 or 90 days with the credit, the report within 3 business days and the correction within 1 (12 CFR 1005.11; 1005.18(e) for prepaid; 1005.33 for remittances). Qwen3.8-27B reads the notice's required elements, the notes and the letter, and every quote it gives is found word for word. For a no-error or different-error finding, the file cannot be closed until the letter explains the findings for this case, notes the right to request the documents relied on, and the documents are listed. It never decides a claim: the determination is the investigator's, recorded exactly as entered in a signed, hash-chained record.","tagline":"A notice of error, the account data and the investigation in; every Reg E clock with its rule, the file's gaps, and a signed record. The investigator decides.","deployment":"self-host-first","regulatory_note":"Consumer notices and account data are nonpublic personal information (Gramm-Leach-Bliley): run it on the institution's own hardware; the hosted demo takes synthetic disputes only. Rules read on 26 Sep 2026 from eCFR (the version of 1 Sep 2026; 12 CFR 1005.11 last amended 13 Feb 2018): notice within 60 days after the statement first showing the error is sent (1005.11(b)(1)(i)); determine within 10 business days (1005.11(c)(1)) or, with provisional credit within 10 business days and notice of it within 2, within 45 days (1005.11(c)(2)); 20 business days for a transfer within 30 days after the first deposit (1005.11(c)(3)(i)) and 90 days for a POS debit card transaction (including mail, phone and online orders, not ATMs; comment 11(c)(3)-1), a transfer not initiated in a state, or a new account (1005.11(c)(3)(ii)); report within 3 business days and correct within 1 (1005.11(c)(1), (c)(2)(iii)-(iv)); for no error or a different error, a written explanation and the right to request the documents relied on (1005.11(d)(1)); prepaid accounts without statements, 120 days from posting (1005.18(e)(2)(ii)); remittances, 180 days' notice and 90 days to decide, with an explanation that addresses the sender's complaint (1005.33(b), (c), (d)); records kept 2 years (1005.13(b)). A transfer the consumer was tricked into sending is initiated by the consumer, which the definition of an unauthorized transfer (1005.2(m)) does not cover; transfers made with access information obtained from the consumer by fraud are unauthorized (comment 2(m)-3; CFPB EFT FAQs, updated 13 Dec 2021 and online on 26 Sep 2026). The CFPB's December 2024 suit over Zelle fraud was dismissed with prejudice on 5 Mar 2025. The tool shows these as questions with the rule text; the investigator decides. Business days default to the Federal Reserve Banks' holidays (Board schedule K.8); Reg E counts the institution's own (1005.2(d)). Not covered: Regulation Z credit-card disputes, card-network rules, state law. Not legal advice.","components":[{"id":"llm","role":"Reads the consumer's notice (the required elements, the error asserted, who made the transfer, the transfers named), the investigator's notes (evidence reviewed, waiting for paperwork, carelessness cited) and the results letter (explanation specific or generic, right to documents, debit notice), and judges each letter sentence against the file (the grounding judge)","name":"Qwen3.8-27B (NVIDIA NVFP4)","hf_repo":"nvidia/Qwen3.8-27B-NVFP4","license":"Apache-2.0","params":"27.8B","quant":"NVFP4 (MLP) + FP8 (attention/GDN), FP8 KV cache, MTP speculative decoding k=3","vram_gb":57,"memory_gb_estimate":null,"engine":"vLLM 0.29.0","receipt_coverage":"strong","in_hosted_demo":true,"tiers":["standard"],"alternative_to":null},{"id":"llm-lite","role":"Lite tier: the same pipeline on a 48 GB card","name":"Gemma 4 26B A4B (instruction-tuned)","hf_repo":"google/gemma-4-26B-A4B-it","license":"Apache-2.0 (model card also links the Gemma 4 licence page)","params":"25.2B","quant":"BF16 weights; FP8 at load time (vLLM --quantization fp8) to fit a 48 GB card","vram_gb":null,"memory_gb_estimate":null,"engine":"vLLM 0.29.0 (Gemma4ForConditionalGeneration is in its model registry)","receipt_coverage":"none","in_hosted_demo":false,"tiers":["lite"],"alternative_to":null},{"id":"llm-best","role":"Best tier: a larger model for long call transcripts and dense case notes","name":"DeepSeek-V4-Flash (NVIDIA NVFP4)","hf_repo":"nvidia/DeepSeek-V4-Flash-NVFP4","license":"MIT","params":"284B","quant":"NVFP4 experts + FP8 (about 159-176 GB of weights)","vram_gb":192,"memory_gb_estimate":null,"engine":"vLLM B12X community build, TP2 on 2x RTX PRO 6000, MTP draft fixed by the kit's patches","receipt_coverage":"none","in_hosted_demo":false,"tiers":["best"],"alternative_to":null},{"id":"glm-wanted","role":"Second judge, from another family","name":"GLM-5.3-Flash","hf_repo":"zai-org/GLM-5.3-Flash","license":"MIT","params":"321B","quant":"NVFP4 on NVIDIA (nvidia/GLM-5.3-Flash-NVFP4, about 170-186 GB, unconfirmed); MLX 4-bit on a Mac (165 GB)","vram_gb":null,"memory_gb_estimate":170,"engine":"SGLang SM120 build, TP2 on 2x 96 GB (vLLM is broken on sm_120 for this model, and the SGLang build hung on our server), or mlx-lm on a Mac with 192 GB or more","receipt_coverage":"none","in_hosted_demo":false,"tiers":["wanted"],"alternative_to":null}],"tiers":[{"id":"lite","label":"Lite · one 48 GB card","summary":"The same pipeline on a smaller mixture-of-experts model. The clocks are code and identical; the reading accuracy on this task is unknown.","components":["llm-lite"],"hardware":"1x L40S or RTX 6000 Ada 48 GB (not measured)","quality_evidence":[{"metric":"notice elements and letter checks","value":"not measured yet","source":null}],"latency_note":"not measured yet","in_hosted_demo":false,"receipt_coverage":"partial","receipt_note":"Direct route: calls are attested by the box's key; no gateway receipts.","hosting":null},{"id":"standard","label":"Standard · the hosted demo, one 96 GB card","summary":"Qwen3.8-27B reads the notice, the notes and the letter; the clocks, the quote checks, the checklist and the file status are plain code. Every model call receipted.","components":["llm"],"hardware":"1x RTX PRO 6000 Blackwell 96 GB","quality_evidence":[{"metric":"clocks: due dates and statuses against a second implementation (600 random disputes, 2026 to 2030, 2,763 clocks)","value":"2,763/2,763; the oracle was written by the same author, so this checks the code, not the reading of the rule","source":"decosa-api docs/evals/reg-e-dispute-file.md, 2026-09-26"},{"metric":"notice elements, test split (40 synthetic notices, run once): 'absent' flags","value":"precision 0.977 (43/44), recall 0.956 (43/45); all five elements right on 37/40","source":"decosa-api docs/evals/reg-e-dispute-file.md, measured on our server 2026-09-26, gateway route; prompts frozen on a 16-notice dev set"},{"metric":"denial-letter completeness, test split (20 templated letters)","value":"explanation 20/20, right to documents 20/20, debit notice 20/20; small templated set","source":"decosa-api docs/evals/reg-e-dispute-file.md, measured on our server 2026-09-26"},{"metric":"automated decisions (5 samples and 4 injection attempts on the real model, plus unit tests)","value":"0 of 9","source":"decosa-api docs/evals/reg-e-dispute-file.md, 2026-09-26"},{"metric":"real, redacted bank notices and letters","value":"not measured yet","source":null}],"latency_note":"measured on our server under a shared gateway: seconds to over a minute per file with a letter (about half a minute typical); about a dozen model calls per file with a letter","in_hosted_demo":true,"receipt_coverage":"strong","receipt_note":"Hosted: gateway-signed receipt per model call. Self-hosted: attested by the box's key.","hosting":null},{"id":"best","label":"Best · DeepSeek-V4-Flash on two more cards","summary":"A larger model for long call transcripts and dense case notes.","components":["llm-best"],"hardware":"2x RTX PRO 6000 96 GB","quality_evidence":[{"metric":"notice elements and letter checks","value":"not measured yet","source":null}],"latency_note":"not measured yet","in_hosted_demo":false,"receipt_coverage":"partial","receipt_note":"Not a hosted model: calls are attested by the box's key only.","hosting":null},{"id":"wanted","label":"Wanted · two large judges from different families","summary":"DeepSeek-V4-Flash and GLM-5.3-Flash each read the file, and a finding stands when they agree; disagreements go to the reviewer. Dispute files stay on your own hardware, never on community providers. Not served yet.","components":["llm-best","glm-wanted"],"hardware":"Your own hardware: 2x 96 GB cards for DeepSeek-V4-Flash plus 2x 96 GB for GLM-5.3-Flash, or one Mac Studio with 512 GB holding both 4-bit builds (156 + 165 GB, sizes from our Mac; not run together yet). Estimate.","quality_evidence":[{"metric":"notice elements and letter checks","value":"not measured yet","source":null}],"latency_note":"not measured yet","in_hosted_demo":false,"receipt_coverage":"none","receipt_note":"On your own hardware its calls are attested by the box's key only: not a hosted model there, so no gateway receipts. Never sent to community providers.","hosting":"own-hardware"}],"alternates":[],"services":[{"name":"decosa-api","port":8445,"image":"${DECOSA_REGISTRY}/decosa-api:0.1.0","purpose":"Intake, the clocks, the quote checks, the checklist, grounding, signing and the HTTP API (/rege/*). No GPU. Binds 127.0.0.1 by default."},{"name":"decosa-llm","port":8000,"image":"${DECOSA_REGISTRY}/decosa-llm:0.1.0","purpose":"vLLM OpenAI endpoint for Qwen3.8-27B. Internal to the compose network."}],"tools":[{"name":"decosa grounding (vertical 17)","url":"https://decosa.ai/apps/grounding","license":"AGPL-3.0-or-later (decosa-api)","purpose":"Judges each sentence of the results letter against the notice, the notes and the account data; imported, not copied."},{"name":"decosa typed-judgment (vertical 24)","url":"https://decosa.ai/apps/typed-judgment","license":"AGPL-3.0-or-later (decosa-api)","purpose":"The stated-confidence probability for each notice element."},{"name":"decosa record (vertical 07) and POST /record/verify","url":"https://decosa.ai/apps/record","license":"AGPL-3.0-or-later (decosa-api)","purpose":"The hash chain and the Ed25519-signed record; anyone can re-check it."},{"name":"eCFR: 12 CFR part 1005 (Regulation E) and its official interpretation","url":"https://www.ecfr.gov/current/title-12/chapter-X/part-1005","license":"public law","purpose":"Every clock's rule, quoted in /rege/info with the date it was read."},{"name":"Federal Reserve Board, K.8 Holidays Observed by the Federal Reserve System","url":"https://www.federalreserve.gov/aboutthefed/k8.htm","license":"US government work (public domain)","purpose":"The default business-day calendar."}],"hardware":[{"tier":"1x RTX PRO 6000 Blackwell 96 GB","fits":true,"notes":"Measured: the hosted demo's Qwen3.8-27B runs on one of these cards on our server."},{"tier":"1x L40S / RTX 6000 Ada 48 GB","fits":null,"notes":"Not measured. FP8 Qwen3.8-27B with a shorter context, or Gemma 4 26B A4B (lite)."},{"tier":"CPU only","fits":true,"notes":"The clocks (POST /rege/clocks), the signed record and verification need no GPU; reading the notice, notes and letter needs the model."}],"latency":[{"lane":"one file with notes and a letter, busy shared gateway","typical_ms":37750,"source":"measured on our server 2026-09-26, 10 runs of the four demo files with a letter, gateway route: 7.6 s to 96.8 s depending on gateway load"},{"lane":"one file with notes, no letter (open file)","typical_ms":6439,"source":"measured on our server 2026-09-26, smoke run of p2p-takeover-open (2 model calls), gateway route"},{"lane":"clocks only","typical_ms":50,"source":"estimate: no model call"}],"benchmark":{"title":"Are the clocks right, and does it catch the letter examiners cite?","intro":"The clocks were checked against a second implementation on 600 random disputes. The notice and letter checks ran on synthetic notices and letters with planted gaps: prompts were written on a dev split, then a test split was run once.","rows":[{"label":"Clocks agreeing with the oracle","value":"2,763 of 2,763","detail":"600 disputes, 2026 to 2030, Federal Reserve holidays"},{"label":"Missing notice elements flagged","value":"43 of 45","detail":"test split; 1 false flag in 44"},{"label":"Generic 'no error' letters and missing right-to-documents sentences caught","value":"20 of 20 letters right on all three items","detail":"test split, templated"},{"label":"Automated decisions","value":"0 of 9","detail":"real model, including 4 injection attempts"}],"points":[{"heading":"Where it fails","text":"On notices, a detail that only hints at an account (\"my prepaid card\" in the provider's own chat) was read as identifying it, and a transfer confirmation number was not. Who made the transfer is a hint only: raw agreement 24 of 40, several of our labels were wrong, and it only picks which coverage note the investigator sees."},{"heading":"What it does not show","text":"Every notice and letter is synthetic and templated, written by the same author as the prompts. The CFPB complaint database's narratives were the planned real-world input, but its public API no longer returns them. Run your own notices and letter templates through the rehearsal bundle before relying on it."}],"source":"decosa-api docs/evals/reg-e-dispute-file.md, 26 Sep 2026"},"notes":[]},"buyer_facts":[{"label":"What it gives you","value":"Every Reg E clock with its rule, start, due date and arithmetic; a timeline; the notice's required elements with quotes; a checklist of the file's gaps; a check of the results letter; coverage questions with the rule text; a Markdown file and a signed record."},{"label":"What it does not do","value":"It never decides a claim, denies one or drafts a denial letter: a named investigator does, and the file keeps their determination as entered. It does not cover Regulation Z credit-card disputes, card-network chargeback rules or state law, and it does not read your core system: send it the CSV."},{"label":"Data retention","value":"Nothing kept on the server. Notices, account data and files live in memory for the request; logs carry counts only. You keep the signed record with the dispute, at least two years (12 CFR 1005.13(b))."},{"label":"What leaves the box (hosted demo)","value":"The notice, notes, letter and the disputed transfers go to Qwen3.8-27B through the Decosa API, whose receipts hold hashes, not text. Self-hosted, nothing leaves. The hosted demo is for synthetic disputes only."},{"label":"Model calls per file","value":"One for the notice, one for the notes, one for the letter and one grounding call per letter sentence: 1 to 14 calls on the demo files. The clocks are code."},{"label":"Typical run cost","value":"About a cent or less at the gateway list price for the card-not-present file; a little more for the P2P scam file with a longer letter. Each run shows its own measured cost."},{"label":"Business days","value":"Weekdays minus the Federal Reserve Banks' holidays (a Saturday holiday is not moved). Reg E counts your own business days, so list any other day you are closed."}],"data_handling":{"page":"/data#reg-e-dispute-file","self_host":{"level":"confidential","leaves":"nothing","summary":"Runs on your machine; nothing is sent to Decosa or a third party by default."},"hosted":{"level":"operator-processed","demo_only":true,"summary":"Hosted demo on sample or public data only; self-host for real data.","gpus":"operator-contracted","third_parties":[],"retention":"Nothing kept on the server. Notices, account data and files live in memory for the request; logs carry counts only. You keep the signed record with the dispute, at least two years (12 CFR 1005.13(b)).","used_for_training":false,"encrypted_while_processed":false},"sealed_tier":{"applies":false,"note":"The sealed tier (raw chat only, never use-case pipelines) is paused at launch (/docs/sealed-tier)."},"external_calls":[]},"console":{"href":"/tools/finance/reg-e-dispute-file","input":"rege","lanes":[{"id":"status","title":"File status","kind":"list"},{"id":"clocks","title":"Clocks and timeline","kind":"list"},{"id":"checklist","title":"File checklist","kind":"list"},{"id":"letter","title":"Letter check","kind":"list"},{"id":"record","title":"Signed record","kind":"json"}],"samples":[{"n":1,"id":"cnp-generic-denial","title":"Cnp generic denial","deep_link":"/tools/finance/reg-e-dispute-file?sample=1&autorun=0"},{"n":2,"id":"atm-short-cash-new-account","title":"Atm short cash new account","deep_link":"/tools/finance/reg-e-dispute-file?sample=2&autorun=0"},{"n":3,"id":"p2p-scam-consumer-sent","title":"P2p scam consumer sent","deep_link":"/tools/finance/reg-e-dispute-file?sample=3&autorun=0"},{"n":4,"id":"p2p-takeover-open","title":"P2p takeover open","deep_link":"/tools/finance/reg-e-dispute-file?sample=4&autorun=0"},{"n":5,"id":"remittance-not-received","title":"Remittance not received","deep_link":"/tools/finance/reg-e-dispute-file?sample=5&autorun=0"}],"deep_link_params":{"sample":"1-based index into samples, or a sample id","autorun":"1 = start the run once the sample is loaded; 0 (default) = only preselect","reduce-motion":"1 = turn off animations"}},"api":{"base":"https://api.decosa.ai","contract":"/api/contract.json","contract_markdown":"/api/contract.md","reference":"/docs/api","keys":"/account/keys"},"prompts":{"hosted":"/prompts/reg-e-dispute-file-hosted.md","selfhost":"/prompts/reg-e-dispute-file-selfhost.md","assemble":"/prompts/reg-e-dispute-file-assemble.md","mac":null},"rehearsal":{"bundle":"/samples/reg-e-dispute-file.zip","bundle_url":"https://decosa.ai/samples/reg-e-dispute-file.zip","folder":"/samples/reg-e-dispute-file/","expected":"/samples/reg-e-dispute-file/expected.json","files":["/samples/reg-e-dispute-file/expected.json","/samples/reg-e-dispute-file/inputs/cnp-investigation.json","/samples/reg-e-dispute-file/inputs/cnp-notice.json","/samples/reg-e-dispute-file/inputs/cnp-transactions.csv","/samples/reg-e-dispute-file/inputs/scam-investigation.json","/samples/reg-e-dispute-file/inputs/scam-notice.json","/samples/reg-e-dispute-file/inputs/scam-transactions.csv"],"bytes":5984,"checks":["the provisional credit notice is due two business days after the credit (4 Sep 2026) and came late (no model)","the May charge was reported more than 60 days after its statement","a debit card online purchase gets the 90-day period","the generic 'no error' letter is marked as a gap","the missing right-to-documents sentence is marked as a gap","the file cannot be closed without the explanation and the documents relied on","the determination is exactly what the investigator entered","and it is recorded as a human decision","the signed file verifies","a file whose determination was changed no longer verifies","the scam case shows the coverage question instead of answering it","the determination on business day 13 without provisional credit is a missed clock","holding the claim for an affidavit is marked","every model call has a signed receipt"],"licence":"Synthetic cases (CC0): consumers, accounts, merchants, banks and investigators are invented (scripts/rege_cases.py). Part of decosa-api, AGPL-3.0-or-later.","about":"Two synthetic Regulation E disputes. The first: two online debit card charges, one reported more than 60 days after its statement; provisional credit on time but its notice four business days late; a 'no error' letter with no facts, no right to request documents and no documents listed. The file must mark the late notice, the missed clock and each letter gap, refuse to call the file complete, and keep the investigator's determination exactly as entered. The second: a consumer tricked into sending a P2P payment; the file must show the coverage question (with 12 CFR 1005.2(m)) instead of answering it, the claim held for an affidavit, and the determination on business day 13 with no provisional credit. The signed file must verify, and fail once the determination in it is changed.","run":{"containers":"docker compose exec api python scripts/rehearse.py reg-e-dispute-file","checkout":"python scripts/rehearse.py reg-e-dispute-file --bundle reg-e-dispute-file.zip --base-url http://127.0.0.1:8445","mac":".venv/bin/python scripts/rehearse.py reg-e-dispute-file"},"guidance":"Set up with a coding agent (we recommend Claude Code with Claude Opus 5.5; any capable coding agent works) on mock data only, run the rehearsal until every check passes, then run your own data locally yourself. Never give the agent real data during setup."},"hardware_fit":{"check":"/self-host/hardware?use=reg-e-dispute-file","data":"/api/hardware.json","tiers":[{"id":"lite","gpu_gb":40,"basis":"estimate","unknown":[]},{"id":"standard","gpu_gb":57.6,"basis":"stack","unknown":[]},{"id":"best","gpu_gb":192,"basis":"stack","unknown":[]},{"id":"wanted","gpu_gb":384,"basis":"estimate","unknown":[]}],"mac":null},"links":{"page":"/tools/finance/reg-e-dispute-file","json":"/use-cases/reg-e-dispute-file.json","metrics":"/metrics/reg-e-dispute-file","console":"/tools/finance/reg-e-dispute-file","console_sample":"/tools/finance/reg-e-dispute-file?sample=1&autorun=0","stack":"/tools/finance/reg-e-dispute-file#stack","try_live":"/tools/finance/reg-e-dispute-file","watch":"/tools/finance/reg-e-dispute-file","build":"/tools/finance/reg-e-dispute-file#build","self_host":"/tools/finance/reg-e-dispute-file#self-host","prompts":{"hosted":"/prompts/reg-e-dispute-file-hosted.md","selfhost":"/prompts/reg-e-dispute-file-selfhost.md","assemble":"/prompts/reg-e-dispute-file-assemble.md","mac":null}}}