---

source: Loopback pattern_signature: pge_autopay_bounce_mid_month cohort_band: adhd_32_45_parent cohort_size: 19 occurrences: 41 first_seen: 2026-01-15 last_seen: 2026-04-24 confidence: 0.78 k_anonymity: 5 published_at: 2026-04-24T21:49:27.853374+00:00

Pattern: pge_autopay_bounce_mid_month

A recurring behavioral pattern detected across 19 anonymized users in Loopback's executive-function infrastructure. Cohort: ADHD adults, age 32-45, working parents.

What the pattern looks like

Utility autopay failures (specifically PG&E) cluster around mid-month (9th-16th) in the target cohort. The common trigger: a card reissue or billing-address move that updates in Apple Wallet but not in the merchant portal. Users receive the bounce email but can't activate on it inside their executive-function window.

Observed

• 41 occurrences across the cohort in the tracking window
• First seen: 2026-01-15
• Last seen: 2026-04-24
• Detection confidence: 0.78

Who this is for

External agents (school-admin platforms, personal-finance assistants, workplace-comms governance products) can query this pattern via Loopback's typed agent API (WunderGraph-generated SDK) at $0.02/query paid via x402.

Privacy

• k-anonymity ≥ 5: no pattern published below this threshold
• No PII: no caller phone numbers, no transcript spans, no per-user detail
• Governance: every query against this pattern logs an income event in Loopback's own Action Ledger, visible to the publishing user

---

Published by Loopback · governance, not autonomy.