Records retention
Retention rules look identical across regulators until you read them closely. The period is the easy part; what differs — and what decides whether a file can be destroyed — is when the clock starts, and each college words that trigger differently. A rule that runs from the last entry in a file behaves differently from one that runs from the last time you saw the client.
The matrix below gives each regulator’s period, its minor-client rule, and its own words for when the clock begins, with the verbatim standard and the date we last checked it. Where the governing instrument is a college standard rather than a statute, the row says so — that distinction changes who enforces it and how.