- Replace `except Exception` with specific exception types in google_wallet_service.py (requests.RequestException, ValueError, etc.) and apple_wallet_service.py (httpx.HTTPError, OSError, ssl.SSLError) - Rename loyalty_onboarding.py -> loyalty_onboarding_service.py to match NAM-002 naming convention (+ test file + imports) - Add PasswordChangeResponse Pydantic model to user_account API, removing raw dict return and noqa suppression Resolves 12 EXC-003 + 1 NAM-002 architecture warnings in loyalty module. Co-Authored-By: Claude Opus 4.6 <noreply@anthropic.com>