Every Shield Apps analysis is grounded in authoritative federal guidelines and official state statutes. We cite specific sources so you can independently verify every claim.
All Shield Apps analysis is grounded in authoritative federal guidelines and official state statutes. We cite specific regulatory sources so users can independently verify every claim and calculation.
Every legal claim references specific federal regulations (HUD, IRS, FTC) or official state codes.
Useful life calculations follow HUD Handbook 4350.1 and IRS Publication 527 schedules.
State law citations are verified against current official state codes and statutes.
Content is reviewed when relevant regulations or state laws are updated.
Last reviewed: January 18, 2026
Our analysis methodology is built on these official federal publications and regulations.
HUD Handbook 4350.1 - Multifamily Asset Management and Project Servicing
Establishes useful life standards for rental property components including paint (3 years), carpet (5-7 years), and appliances.
HUD Multifamily Accelerated Processing (MAP) Guide - Appendix 5C
Provides detailed expected useful life (EUL) schedules for building components in multifamily housing.
IRS Publication 527 - Residential Rental Property
Provides depreciation schedules for rental property components, establishing authoritative useful life standards.
FTC Combating Auto Retail Scams (CARS) Rule
Federal rule requiring clear disclosure of vehicle prices and optional add-on products.
Consumer Leasing Act - Regulation M
Federal regulation governing consumer vehicle leases, including disclosure requirements and excess wear standards.
Each Shield Apps tool follows a structured methodology tailored to its specific legal domain.
Federal Guidelines, State-Specific Application
Our security deposit analysis methodology applies federal depreciation standards from HUD and IRS guidelines to evaluate landlord deduction claims. Each charge is assessed against established useful life schedules to determine whether deductions exceed what federal guidelines permit.
State-specific statutes (return deadlines, itemization requirements, penalties) are cited from official state codes.
Parse landlord itemization to identify each deduction with amounts and categories.
Calculate remaining value using HUD 4350.1 and IRS Pub 527 useful life schedules.
Evaluate photographic evidence against normal wear definitions from HUD guidelines.
Compile relevant federal guidelines and state-specific statutes for each contested charge.
Procedural Compliance Review
Our HOA violation analysis focuses on procedural compliance—whether the HOA followed required notice, hearing, and enforcement procedures under state law. Many violations can be contested based on procedural defects alone.
All citations reference official state HOA statutes (e.g., California Civil Code §4000 et seq., Florida Statute Chapter 720).
Determine applicable HOA statute (Davis-Stirling, Chapter 720, etc.) based on property location.
Verify HOA provided required advance notice (typically 10-30 days) before imposing fines.
Confirm whether homeowner was offered required hearing opportunity before fine assessment.
Compare fines against state-mandated caps and escalation limits.
State Consumer Protection Laws
Our dealer add-on analysis applies state-specific cancellation rights and refund requirements for F&I products. Most extended warranties, GAP insurance, and add-on products are cancellable by law with pro-rata refunds.
State citations include specific consumer protection codes (e.g., California Civil Code 1794.41, Wisconsin Admin. Code ATCP 139).
Classify F&I product (extended warranty, GAP, service contract) to determine applicable regulations.
Reference state-specific free-look periods, cancellation procedures, and refund deadlines.
Determine refund amount based on unused time/mileage per state requirements.
Produce compliant cancellation request citing applicable state laws and FTC CARS Rule.
Industry Standards & Federal Regulation
Our lease-end analysis applies industry-standard wear guidelines (such as the "credit card test") and Federal Regulation M requirements to evaluate excess wear charges at lease termination.
Manufacturer wear guides (BMW, Mercedes, Toyota, etc.) are referenced for brand-specific thresholds.
Analyze lessor inspection findings against manufacturer wear guidelines.
Compare damage claims against accepted thresholds (credit card test, 6-foot visibility rule).
Ensure charges comply with federal disclosure and limitation requirements.
Produce dispute citing specific wear guide thresholds and federal regulations.
Pro-Rata Refund Requirements
Our GAP refund analysis applies state insurance regulations requiring pro-rata refunds when GAP coverage is cancelled before the coverage period ends.
State insurance commissioner regulations govern GAP refund requirements by state.
Determine if GAP is insurance-regulated or dealer waiver product.
Determine remaining coverage period or mileage for refund calculation.
Reference state-specific refund timelines and calculation methods.
Produce compliant refund request citing applicable state insurance regulations.
Our analysis tools apply these authoritative sources to your specific situation, generating citation-backed dispute letters.