What are my rights under the law if a credit card company tacks on an unfair late fee after my payment posted today?
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
What are my rights under the law if a credit card company tacks on an unfair late fee after my payment posted today?
3 real searches · 1 real-search pass
2026 CFPB credit card late fee rule status court decision current October 2026; Regulation Z payment received due date late fee reasonable proportionalGoogle ↗
OBSERVEDReason
CFPB credit card payment crediting date received payment due date Regulation Z 12 CFR 1026.10 late fee 1026.26 officialGoogle ↗
OBSERVEDConsequence
Texas credit card late fee consumer rights Texas Finance Code credit card late payment feeGoogle ↗
OBSERVEDReason
Badge and edge weight = share of passes that produced the query. Hover a query for its intent and routing format.
Query classes
Google's semantic query class for every sub-query: what kind of answer each search is after, simulated vs real.
ChatGPT real searches (3)
Classes come from the query-classifier (a local Laya model). 3 of 3 calls are low-confidence (under 50%) — hover a query in the table to see its confidence.
Searches and sources
ChatGPT3 real searches · gpt-6
2026 CFPB credit card late fee rule status court decision current October 2026; Regulation Z payment received due date late fee reasonable proportional Google ↗
CFPB credit card payment crediting date received payment due date Regulation Z 12 CFR 1026.10 late fee 1026.26 official Google ↗
Texas credit card late fee consumer rights Texas Finance Code credit card late payment fee Google ↗
- Texas Finance Code Section 346.103 (2025) - Fees :: 2025 Texas Statutes :: U.S. Codes and Statutes :: U.S. Law :: Justia · law.justia.com
- Credit Card Penalty Fees Final Rule · consumerfinance.gov
- Chamber of Commerce of the United States of America v. Consumer Financial Protection Bureau 4:24-cv-00213 (N.D. Tex.) · clearinghouse.net
- § 1026.10 Payments. · consumerfinance.gov
- How do I dispute a charge on my credit card bill? · consumerfinance.gov
- 15 U.S.C. § 1666: Correction of billing errors · uscode.house.gov
- Credit Cards · fdic.gov
- Consumer Financial Protection Bureau (CFPB) · consumerfinance.gov
Queries
3 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
2026 CFPB credit card late fee rule status court decision current October 2026; Regulation Z payment received due date late fee reasonable proportional OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 | |
CFPB credit card payment crediting date received payment due date Regulation Z 12 CFR 1026.10 late fee 1026.26 official OBSERVED | Google ↗ AI Mode ↗ | — | Consequence | — | — | 1x of 1 | |
Texas credit card late fee consumer rights Texas Finance Code credit card late payment fee OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 |