# References — Daily Simple Interest Accrual

Accessed:25 October 2026. Synthetic bank/product/calendar only; no customer data or proprietary tariff.

| ID | Primary source / version | Supports | Limitations |
|---|---|---|---|
| I01 | CFPB, [Regulation DD section 1030.7](https://www.consumerfinance.gov/rules-policy/regulations/1030/7/), current version accessed 2026-10-25 | US daily/average-balance comparison and distinction of compounding/crediting policy | Does not establish Cedar's agreement, UTC cutoff, half-even or compliance |
| I02 | CFPB, [Appendix A](https://www.consumerfinance.gov/rules-policy/regulations/1030/a/) and [official interpretation](https://www.consumerfinance.gov/rules-policy/regulations/1030/interp-a/), current | Yield terminology and disclosure context | A nominal-rate accrual is not an APY disclosure engine |
| I03 | CFPB, [section 1030.2](https://www.consumerfinance.gov/rules-policy/regulations/1030/2/), current | Definitions of yield and daily/average balance | US jurisdiction; no universal contract requirement implied |
| I04 | Python, [Fraction documentation](https://docs.python.org/3.11/library/fractions.html), major 3.11 reference | Exact integer-ratio arithmetic and ties-to-even Fraction rounding | Strict wire grammar and financial policy are additional author choices |
| I05 | Root-frozen Stage 3 financial/API contract,2026-10-25 | Cedar calendar, rates, carry, proposal and unsupported routes | Fictional teaching profile; trusted host provenance remains assumed |

Supports: Only the specific source-role claims above. Every balance, rate, account, version ID and example date is synthetic. Arithmetic was independently specified before reference execution.

Limitations: No real tariff, regulatory-compliance opinion, performance benchmark, EIR valuation or actual accepted journal is established. The US negative-balance zero treatment is not implemented by this reference: negative principal explicitly routes unsupported policy. Historical-example decision: **not useful** without a complete applicable contract and source chronology.

Source/version notes and claim classifications live in research/SOURCE-LEDGER.md and research/CLAIM-LEDGER.md. Public downloads mirror references and the frozen data contract under examples; no restricted source document is redistributed.