---
title: "Flag payments in the books that fall inside a preference or fraudulent-transfer window"
url: "https://ailawframework.com/practice/insolvency-restructuring-and-bankruptcy/use-ai-e-discovery-to-flag-areas-of-concern-in-insolvency-investigations/united-states"
type: "task_jurisdiction_version"
site: "AI Law Framework"
id: "A8-B6-5-US"
practice_area: "Insolvency, Restructuring & Bankruptcy"
tier: "yellow"
lawyer_review: "required"
jurisdictions: ["US"]
last_reviewed: "2026-10-22"
---

# Flag payments in the books that fall inside a preference or fraudulent-transfer window

> From the bank records and the petition date in the file, list payments by date, payee, and amount, and mark those on or within 90 days before the petition and those on or within 2 years before the petition.…

Canonical page: https://ailawframework.com/practice/insolvency-restructuring-and-bankruptcy/use-ai-e-discovery-to-flag-areas-of-concern-in-insolvency-investigations/united-states  
Last reviewed: 2026-10-22

Site index for agents: https://ailawframework.com/llms.txt

## Key facts

| Fact | Value |
| --- | --- |
| Practice area | [Insolvency, Restructuring & Bankruptcy](https://ailawframework.com/practice/insolvency-restructuring-and-bankruptcy.md) |
| Human involvement | Yellow: Lawyer and AI draft together |
| How AI is used | From the bank records and the petition date in the file, list payments by date, payee, and amount, and mark those on or within 90 days before the petition and those on or within 2 years before the petition. Do not say a payment can be avoided. |
| What the lawyer must review | 11 U.S.C. § 547(b) authorises the trustee, based on reasonable due diligence and taking into account known or reasonably knowable defenses under subsection (c), to avoid a transfer that meets each element of that subsection, including the 90-day period or the insider period in (b)(4). Section 547(f) presumes insolvency on and during the 90 days before the petition. Section 548(a)(1) reaches a transfer made or an obligation incurred on or within 2 years before the petition, on an actual-intent theory or on the reasonably-equivalent-value theory in (a)(1)(B). The lawyer decides which payments matter. Rule 1.6 and Formal Opinion 512: account data stay in a confidential tool. |
| Written for | United States |
| Applies to | [Use AI e-discovery to flag areas of concern in insolvency investigations](https://ailawframework.com/practice/insolvency-restructuring-and-bankruptcy/use-ai-e-discovery-to-flag-areas-of-concern-in-insolvency-investigations.md) |

## Checking plan

- What the AI does: From the bank records and the petition date in the file, list payments by date, payee, and amount, and mark those on or within 90 days before the petition and those on or within 2 years before the petition. Do not say a payment can be avoided.
- Basis: Checked against the linked sources on 22 October 2026. Confirm the current instrument before reliance.

## Notes

- The current text of § 547(c)(2) has no 45-day ordinary-course limit. The 45-day language is in the legislative history.
- Adjusted dollar floors in § 547(c) are not stated here. The lawyer confirms the figure in force on the petition date.

## Sources

- [11 U.S.C. § 547, preferences](https://www.law.cornell.edu/uscode/text/11/547) (checked 2026-10-22)
- [11 U.S.C. § 548, fraudulent transfers and obligations](https://www.law.cornell.edu/uscode/text/11/548) (checked 2026-10-22)
- [ABA Model Rule 1.6, Confidentiality of Information](https://www.americanbar.org/groups/professional_responsibility/publications/model_rules_of_professional_conduct/rule_1_6_confidentiality_of_information/) (checked 2026-10-22)

*Practice guidance for planning and review. Confirm current primary sources and the requirements of the actual matter. This is general information, not legal advice.*