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Fetch the authoritative text of any section of the US Code of Federal Regulations by title and section number — for example title 12, section 1026.43 returns Regulation Z’s ability-to-repay standards. Returns the canonical citation, section heading, full plain text, Federal Register source credit, the as-of date, and a link to the official eCFR page. An optional date parameter (YYYY-MM-DD) retrieves the historical text in force on that date, back to 2017. Data from the Electronic Code of Federal Regulations (US GPO / Office of the Federal Register), public domain, updated daily — verify regulatory citations against the authoritative source instead of relying on model memory.