diff --git a/internal/api/handlers/management/auth_files.go b/internal/api/handlers/management/auth_files.go
index a16b36233..37902b942 100644
--- a/internal/api/handlers/management/auth_files.go
+++ b/internal/api/handlers/management/auth_files.go
@@ -484,6 +484,156 @@ func (h *Handler) buildAuthFileEntry(auth *coreauth.Auth, quotaSupported ...map[
 	return h.buildAuthFileEntryLocked(auth, quotaSupported...)
 }
 
+func isPersistentAuthFailure(auth *coreauth.Auth, now time.Time) bool {
+	if auth == nil {
+		return false
+	}
+	// Terminal unauthorized failure with no refresh scheduled.
+	if coreauth.HasUnauthorizedAuthFailure(auth) {
+		return true
+	}
+	// An OAuth credential whose access token is expired cannot be used to serve requests.
+	if exp, ok := auth.AccessTokenExpirationTime(); ok && !exp.IsZero() && !exp.After(now) {
+		return true
+	}
+	// An explicit token expiration status.
+	if strings.EqualFold(strings.TrimSpace(auth.StatusMessage), "token expired") {
+		return true
+	}
+	return false
+}
+
+func isModelStateBlocked(state *coreauth.ModelState, now time.Time) bool {
+	if state == nil {
+		return false
+	}
+	if state.Status == coreauth.StatusDisabled {
+		return true
+	}
+	if !state.Unavailable && !state.Quota.Exceeded {
+		return false
+	}
+	hasRecoveryTime := !state.NextRetryAfter.IsZero() || (!state.Quota.NextRecoverAt.IsZero() && state.Quota.Exceeded)
+	if !state.NextRetryAfter.IsZero() && state.NextRetryAfter.After(now) {
+		return true
+	}
+	if state.Quota.Exceeded && !state.Quota.NextRecoverAt.IsZero() && state.Quota.NextRecoverAt.After(now) {
+		return true
+	}
+	if hasRecoveryTime {
+		return false
+	}
+	return true
+}
+
+func reconcileAuthFileCooldownState(auth *coreauth.Auth, now time.Time) (unavailable bool, status coreauth.Status, statusMessage string, nextRetry time.Time) {
+	if auth == nil {
+		return false, coreauth.StatusActive, "", time.Time{}
+	}
+	unavailable = auth.Unavailable
+	status = auth.Status
+	statusMessage = auth.StatusMessage
+	if !auth.NextRetryAfter.IsZero() {
+		nextRetry = auth.NextRetryAfter
+	}
+
+	if auth.Disabled || auth.Status == coreauth.StatusDisabled {
+		return unavailable, coreauth.StatusDisabled, statusMessage, nextRetry
+	}
+
+	// Never reconcile an active authentication or token failure to active.
+	if isPersistentAuthFailure(auth, now) {
+		if !nextRetry.IsZero() && !nextRetry.After(now) {
+			nextRetry = time.Time{}
+		}
+		return true, coreauth.StatusError, statusMessage, nextRetry
+	}
+
+	// Check if there is an active credential-level cooldown.
+	// Matching selector.availabilityBlock: if neither Unavailable nor Quota.Exceeded is true,
+	// an inactive timestamp does not block the credential.
+	hasActiveCredCooldown := false
+	if auth.Unavailable || auth.Quota.Exceeded {
+		if !auth.NextRetryAfter.IsZero() && auth.NextRetryAfter.After(now) {
+			hasActiveCredCooldown = true
+		}
+		if auth.Quota.Exceeded && auth.Quota.Reason == "credential_quota" && auth.Quota.NextRecoverAt.After(now) {
+			hasActiveCredCooldown = true
+			if nextRetry.IsZero() || auth.Quota.NextRecoverAt.After(nextRetry) {
+				nextRetry = auth.Quota.NextRecoverAt
+			}
+		}
+	}
+
+	// Check per-model states.
+	hasSchedulableModels := false
+	allSchedulableBlocked := true
+	hasActiveModelCooldown := false
+	hadAnyModelCooldown := false
+	for _, state := range auth.ModelStates {
+		if state == nil {
+			continue
+		}
+		if state.Status == coreauth.StatusDisabled {
+			continue
+		}
+		hasSchedulableModels = true
+		if !state.NextRetryAfter.IsZero() || (state.Quota.Exceeded && !state.Quota.NextRecoverAt.IsZero()) {
+			hadAnyModelCooldown = true
+		}
+		if (!state.NextRetryAfter.IsZero() && state.NextRetryAfter.After(now)) ||
+			(state.Quota.Exceeded && !state.Quota.NextRecoverAt.IsZero() && state.Quota.NextRecoverAt.After(now)) {
+			hasActiveModelCooldown = true
+		}
+		if !isModelStateBlocked(state, now) {
+			allSchedulableBlocked = false
+		}
+	}
+
+	hadCooldown := !auth.NextRetryAfter.IsZero() ||
+		(auth.Quota.Exceeded && !auth.Quota.NextRecoverAt.IsZero()) ||
+		hadAnyModelCooldown
+
+	// If there is an active credential cooldown, keep unavailable/error.
+	// If all recorded models are blocked and the credential itself was marked unavailable, keep unavailable/error.
+	if hasActiveCredCooldown || (hasSchedulableModels && allSchedulableBlocked && auth.Unavailable) {
+		if !nextRetry.IsZero() && !nextRetry.After(now) {
+			nextRetry = time.Time{}
+		}
+		return true, coreauth.StatusError, statusMessage, nextRetry
+	}
+
+	// If the credential was not marked unavailable and has no active credential cooldown, keep unavailable=false.
+	if !auth.Unavailable && !hasActiveCredCooldown {
+		if status == coreauth.StatusError && hasSchedulableModels && !allSchedulableBlocked {
+			status = coreauth.StatusActive
+			statusMessage = ""
+		}
+		return false, status, statusMessage, time.Time{}
+	}
+
+	// If a cooldown was recorded but has expired (and no active model cooldown blocks all models):
+	if hadCooldown && !hasActiveCredCooldown && !hasActiveModelCooldown {
+		return false, coreauth.StatusActive, "", time.Time{}
+	}
+
+	// If partial models are still cooling, the credential as a whole remains available for other models.
+	if hadCooldown && hasSchedulableModels && !allSchedulableBlocked {
+		if status == coreauth.StatusError && !hasActiveCredCooldown {
+			status = coreauth.StatusActive
+			statusMessage = ""
+		}
+		return false, status, statusMessage, time.Time{}
+	}
+
+	// If nextRetry is in the past, do not expose a past retry deadline.
+	if !nextRetry.IsZero() && !nextRetry.After(now) {
+		nextRetry = time.Time{}
+	}
+
+	return unavailable, status, statusMessage, nextRetry
+}
+
 func (h *Handler) buildAuthFileEntryLocked(auth *coreauth.Auth, quotaSupported ...map[string]struct{}) gin.H {
 	if auth == nil {
 		return nil
@@ -501,6 +651,7 @@ func (h *Handler) buildAuthFileEntryLocked(auth *coreauth.Auth, quotaSupported .
 	if name == "" {
 		name = auth.ID
 	}
+	unavailable, status, statusMessage, nextRetryAfter := reconcileAuthFileCooldownState(auth, time.Now().UTC())
 	entry := gin.H{
 		"id":             auth.ID,
 		"auth_index":     auth.Index,
@@ -508,10 +659,10 @@ func (h *Handler) buildAuthFileEntryLocked(auth *coreauth.Auth, quotaSupported .
 		"type":           strings.TrimSpace(auth.Provider),
 		"provider":       strings.TrimSpace(auth.Provider),
 		"label":          auth.Label,
-		"status":         auth.Status,
-		"status_message": auth.StatusMessage,
+		"status":         status,
+		"status_message": statusMessage,
 		"disabled":       auth.Disabled,
-		"unavailable":    auth.Unavailable,
+		"unavailable":    unavailable,
 		"runtime_only":   runtimeOnly,
 		"source":         "memory",
 		"size":           int64(0),
@@ -571,8 +722,8 @@ func (h *Handler) buildAuthFileEntryLocked(auth *coreauth.Auth, quotaSupported .
 	if !auth.LastRefreshedAt.IsZero() {
 		entry["last_refresh"] = auth.LastRefreshedAt
 	}
-	if !auth.NextRetryAfter.IsZero() {
-		entry["next_retry_after"] = auth.NextRetryAfter
+	if !nextRetryAfter.IsZero() {
+		entry["next_retry_after"] = nextRetryAfter
 	}
 	if path != "" {
 		entry["path"] = path
diff --git a/internal/api/handlers/management/auth_files_cooldown_test.go b/internal/api/handlers/management/auth_files_cooldown_test.go
index a601c5b49..ab8e36000 100644
--- a/internal/api/handlers/management/auth_files_cooldown_test.go
+++ b/internal/api/handlers/management/auth_files_cooldown_test.go
@@ -23,6 +23,7 @@ type authFilesCooldownResponse struct {
 		AuthIndex      string                    `json:"auth_index"`
 		Name           string                    `json:"name"`
 		Status         string                    `json:"status"`
+		StatusMessage  string                    `json:"status_message"`
 		Unavailable    bool                      `json:"unavailable"`
 		NextRetryAfter time.Time                 `json:"next_retry_after"`
 		Cooldowns      json.RawMessage           `json:"cooldowns"`
@@ -187,3 +188,576 @@ func TestListAuthFilesCooldownsUnknown(t *testing.T) {
 		})
 	}
 }
+
+func TestListAuthFiles_ExpiredCooldownReconciledToActive(t *testing.T) {
+	t.Setenv("MANAGEMENT_PASSWORD", "")
+	now := time.Now().UTC()
+	expiredDeadline := now.Add(-10 * time.Minute)
+
+	manager := coreauth.NewManager(nil, nil, nil)
+	cfg := &config.Config{AuthDir: t.TempDir()}
+	manager.SetConfig(cfg)
+
+	// Credential-level expired cooldown (e.g. Codex quota exhaustion in Issue 5964)
+	registerAuthForLookupTest(t, manager, &coreauth.Auth{
+		ID:             "codex-expired",
+		Index:          "idx-codex-expired",
+		FileName:       "codex-expired.json",
+		Provider:       "codex",
+		Status:         coreauth.StatusError,
+		StatusMessage:  "credential_quota",
+		Unavailable:    true,
+		NextRetryAfter: expiredDeadline,
+		Quota: coreauth.QuotaState{
+			Exceeded:      true,
+			Reason:        "credential_quota",
+			NextRecoverAt: expiredDeadline,
+			ObservedAt:    expiredDeadline,
+		},
+		Attributes: map[string]string{"runtime_only": "true"},
+	})
+
+	// Model-level expired cooldown where all model cooldowns have elapsed
+	registerAuthForLookupTest(t, manager, &coreauth.Auth{
+		ID:             "model-expired",
+		Index:          "idx-model-expired",
+		FileName:       "model-expired.json",
+		Provider:       "claude",
+		Status:         coreauth.StatusError,
+		StatusMessage:  "rate limit exceeded",
+		Unavailable:    true,
+		NextRetryAfter: expiredDeadline,
+		ModelStates: map[string]*coreauth.ModelState{
+			"claude-3-5-sonnet": {
+				Status:         coreauth.StatusError,
+				StatusMessage:  "rate limit exceeded",
+				Unavailable:    true,
+				NextRetryAfter: expiredDeadline,
+			},
+		},
+		Attributes: map[string]string{"runtime_only": "true"},
+	})
+
+	h := NewHandlerWithoutConfigFilePath(cfg, manager)
+	payload := requestAuthFilesCooldowns(t, h, "")
+
+	if len(payload.Files) != 2 {
+		t.Fatalf("expected 2 files, got %d", len(payload.Files))
+	}
+
+	for _, file := range payload.Files {
+		if file.Unavailable {
+			t.Errorf("auth %s: expected unavailable=false after cooldown expiration, got true", file.ID)
+		}
+		if file.Status != string(coreauth.StatusActive) {
+			t.Errorf("auth %s: expected status=%q after cooldown expiration, got %q", file.ID, coreauth.StatusActive, file.Status)
+		}
+		if file.StatusMessage != "" {
+			t.Errorf("auth %s: expected empty status_message after cooldown expiration, got %q", file.ID, file.StatusMessage)
+		}
+		if !file.NextRetryAfter.IsZero() {
+			t.Errorf("auth %s: expected zero next_retry_after after cooldown expiration, got %v", file.ID, file.NextRetryAfter)
+		}
+		if string(file.Cooldowns) != "[]" {
+			t.Errorf("auth %s: expected cooldowns=[], got %s", file.ID, file.Cooldowns)
+		}
+	}
+}
+
+func TestListAuthFiles_ExpiredCooldownWithSubsequentTokenFailure(t *testing.T) {
+	t.Setenv("MANAGEMENT_PASSWORD", "")
+	now := time.Now().UTC()
+	expiredDeadline := now.Add(-10 * time.Minute)
+
+	manager := coreauth.NewManager(nil, nil, nil)
+	cfg := &config.Config{AuthDir: t.TempDir()}
+	manager.SetConfig(cfg)
+
+	// An OAuth auth that had a cooldown, but subsequently had its access token expire / refresh fail.
+	registerAuthForLookupTest(t, manager, &coreauth.Auth{
+		ID:             "codex-token-expired",
+		Index:          "idx-codex-token-expired",
+		FileName:       "codex-token-expired.json",
+		Provider:       "codex",
+		Status:         coreauth.StatusError,
+		StatusMessage:  "token expired",
+		Unavailable:    true,
+		NextRetryAfter: expiredDeadline,
+		Metadata: map[string]any{
+			"type":         "codex",
+			"access_token": "expired-access-token",
+			"expired":      now.Add(-5 * time.Minute).Format(time.RFC3339),
+		},
+		Attributes: map[string]string{"runtime_only": "true"},
+	})
+
+	h := NewHandlerWithoutConfigFilePath(cfg, manager)
+	payload := requestAuthFilesCooldowns(t, h, "?name=codex-token-expired.json")
+
+	if len(payload.Files) != 1 {
+		t.Fatalf("expected 1 file, got %d", len(payload.Files))
+	}
+
+	file := payload.Files[0]
+	if !file.Unavailable {
+		t.Error("expected unavailable=true for expired token failure, got false")
+	}
+	if file.Status != string(coreauth.StatusError) {
+		t.Errorf("expected status=%q for expired token failure, got %q", coreauth.StatusError, file.Status)
+	}
+	if file.StatusMessage != "token expired" {
+		t.Errorf("expected status_message=%q, got %q", "token expired", file.StatusMessage)
+	}
+	if !file.NextRetryAfter.IsZero() {
+		t.Errorf("expected zero next_retry_after, got %v", file.NextRetryAfter)
+	}
+}
+
+func TestListAuthFiles_PartialModelCooldownWithAuthFailure(t *testing.T) {
+	t.Setenv("MANAGEMENT_PASSWORD", "")
+	now := time.Now().UTC()
+	activeDeadline := now.Add(10 * time.Minute)
+
+	manager := coreauth.NewManager(nil, nil, nil)
+	cfg := &config.Config{AuthDir: t.TempDir()}
+	manager.SetConfig(cfg)
+
+	// Auth has an independent auth error ("unauthorized"), but only one of its models is in cooldown.
+	registerAuthForLookupTest(t, manager, &coreauth.Auth{
+		ID:            "auth-unauthorized-partial-model",
+		Index:         "idx-auth-unauthorized",
+		FileName:      "auth-unauthorized.json",
+		Provider:      "claude",
+		Status:        coreauth.StatusError,
+		StatusMessage: "unauthorized",
+		Unavailable:   true,
+		LastError:     &coreauth.Error{HTTPStatus: 401, Message: "unauthorized"},
+		ModelStates: map[string]*coreauth.ModelState{
+			"model-cool": {
+				Status:         coreauth.StatusError,
+				Unavailable:    true,
+				NextRetryAfter: activeDeadline,
+			},
+			"model-free": {
+				Status: coreauth.StatusActive,
+			},
+		},
+		Attributes: map[string]string{"runtime_only": "true"},
+	})
+
+	h := NewHandlerWithoutConfigFilePath(cfg, manager)
+	payload := requestAuthFilesCooldowns(t, h, "?name=auth-unauthorized.json")
+
+	if len(payload.Files) != 1 {
+		t.Fatalf("expected 1 file, got %d", len(payload.Files))
+	}
+
+	file := payload.Files[0]
+	if !file.Unavailable {
+		t.Error("expected unavailable=true due to unauthorized error, got false")
+	}
+	if file.Status != string(coreauth.StatusError) {
+		t.Errorf("expected status=%q, got %q", coreauth.StatusError, file.Status)
+	}
+	if file.StatusMessage != "unauthorized" {
+		t.Errorf("expected status_message=%q, got %q", "unauthorized", file.StatusMessage)
+	}
+}
+
+func TestListAuthFiles_UnexpiredTokenWithRefresh401_NoCooldown(t *testing.T) {
+	t.Setenv("MANAGEMENT_PASSWORD", "")
+	now := time.Now().UTC()
+	futureExpiry := now.Add(48 * time.Hour).Format(time.RFC3339)
+	retryBackoff := now.Add(5 * time.Minute)
+
+	manager := coreauth.NewManager(nil, nil, nil)
+	cfg := &config.Config{AuthDir: t.TempDir()}
+	manager.SetConfig(cfg)
+
+	// An OAuth credential whose access token is still valid (+48h), but background refresh failed with 401
+	// and scheduled a retry backoff. The credential itself is still active and usable.
+	registerAuthForLookupTest(t, manager, &coreauth.Auth{
+		ID:               "auth-valid-token-refresh-401",
+		Index:            "idx-valid-token",
+		FileName:         "auth-valid-token.json",
+		Provider:         "codex",
+		Status:           coreauth.StatusActive,
+		Unavailable:      false,
+		NextRefreshAfter: retryBackoff,
+		LastError:        &coreauth.Error{HTTPStatus: 401, Message: "401 unauthorized on refresh"},
+		Metadata: map[string]any{
+			"type":         "codex",
+			"access_token": "valid-future-access-token",
+			"expired":      futureExpiry,
+		},
+		Attributes: map[string]string{"runtime_only": "true"},
+	})
+
+	h := NewHandlerWithoutConfigFilePath(cfg, manager)
+	payload := requestAuthFilesCooldowns(t, h, "?name=auth-valid-token.json")
+
+	if len(payload.Files) != 1 {
+		t.Fatalf("expected 1 file, got %d", len(payload.Files))
+	}
+
+	file := payload.Files[0]
+	if file.Unavailable {
+		t.Error("expected unavailable=false for valid token with scheduled refresh retry, got true")
+	}
+	if file.Status != string(coreauth.StatusActive) {
+		t.Errorf("expected status=%q, got %q", coreauth.StatusActive, file.Status)
+	}
+}
+
+func TestListAuthFiles_UnexpiredTokenWithRefresh401_ExpiredCooldown(t *testing.T) {
+	t.Setenv("MANAGEMENT_PASSWORD", "")
+	now := time.Now().UTC()
+	futureExpiry := now.Add(48 * time.Hour).Format(time.RFC3339)
+	expiredCooldown := now.Add(-10 * time.Minute)
+	retryBackoff := now.Add(5 * time.Minute)
+
+	manager := coreauth.NewManager(nil, nil, nil)
+	cfg := &config.Config{AuthDir: t.TempDir()}
+	manager.SetConfig(cfg)
+
+	// An OAuth credential with a valid access token (+48h) that previously entered quota cooldown (now expired),
+	// and has a pending refresh retry after a 401 refresh error.
+	registerAuthForLookupTest(t, manager, &coreauth.Auth{
+		ID:               "auth-valid-token-expired-cooldown",
+		Index:            "idx-valid-token-exp-cool",
+		FileName:         "auth-valid-token-exp-cool.json",
+		Provider:         "codex",
+		Status:           coreauth.StatusError,
+		StatusMessage:    "credential_quota",
+		Unavailable:      true,
+		NextRetryAfter:   expiredCooldown,
+		NextRefreshAfter: retryBackoff,
+		LastError:        &coreauth.Error{HTTPStatus: 401, Message: "401 unauthorized on refresh"},
+		Quota: coreauth.QuotaState{
+			Exceeded:      true,
+			Reason:        "credential_quota",
+			NextRecoverAt: expiredCooldown,
+		},
+		Metadata: map[string]any{
+			"type":         "codex",
+			"access_token": "valid-future-access-token",
+			"expired":      futureExpiry,
+		},
+		Attributes: map[string]string{"runtime_only": "true"},
+	})
+
+	h := NewHandlerWithoutConfigFilePath(cfg, manager)
+	payload := requestAuthFilesCooldowns(t, h, "?name=auth-valid-token-exp-cool.json")
+
+	if len(payload.Files) != 1 {
+		t.Fatalf("expected 1 file, got %d", len(payload.Files))
+	}
+
+	file := payload.Files[0]
+	if file.Unavailable {
+		t.Error("expected unavailable=false after quota cooldown expires for valid token, got true")
+	}
+	if file.Status != string(coreauth.StatusActive) {
+		t.Errorf("expected status=%q, got %q", coreauth.StatusActive, file.Status)
+	}
+	if file.StatusMessage != "" {
+		t.Errorf("expected empty status_message, got %q", file.StatusMessage)
+	}
+	if !file.NextRetryAfter.IsZero() {
+		t.Errorf("expected zero next_retry_after, got %v", file.NextRetryAfter)
+	}
+}
+
+func TestListAuthFiles_ModelLevel403CooldownExpired(t *testing.T) {
+	t.Setenv("MANAGEMENT_PASSWORD", "")
+	now := time.Now().UTC()
+	expiredDeadline := now.Add(-10 * time.Minute)
+
+	manager := coreauth.NewManager(nil, nil, nil)
+	cfg := &config.Config{AuthDir: t.TempDir()}
+	manager.SetConfig(cfg)
+
+	// An auth whose model failed with 403 (forbidden) and the conductor copied the error to auth-level,
+	// but the model-level cooldown has now elapsed.
+	registerAuthForLookupTest(t, manager, &coreauth.Auth{
+		ID:             "auth-model-403-expired",
+		Index:          "idx-model-403-exp",
+		FileName:       "auth-model-403-exp.json",
+		Provider:       "codex",
+		Status:         coreauth.StatusError,
+		StatusMessage:  "forbidden",
+		Unavailable:    true,
+		NextRetryAfter: expiredDeadline,
+		LastError:      &coreauth.Error{HTTPStatus: 403, Message: "forbidden"},
+		ModelStates: map[string]*coreauth.ModelState{
+			"model-a": {
+				Status:         coreauth.StatusError,
+				StatusMessage:  "forbidden",
+				Unavailable:    true,
+				NextRetryAfter: expiredDeadline,
+				LastError:      &coreauth.Error{HTTPStatus: 403, Message: "forbidden"},
+			},
+		},
+		Attributes: map[string]string{"runtime_only": "true"},
+	})
+
+	h := NewHandlerWithoutConfigFilePath(cfg, manager)
+	payload := requestAuthFilesCooldowns(t, h, "?name=auth-model-403-exp.json")
+
+	if len(payload.Files) != 1 {
+		t.Fatalf("expected 1 file, got %d", len(payload.Files))
+	}
+
+	file := payload.Files[0]
+	if file.Unavailable {
+		t.Error("expected unavailable=false after model-level 403 cooldown expires, got true")
+	}
+	if file.Status != string(coreauth.StatusActive) {
+		t.Errorf("expected status=%q, got %q", coreauth.StatusActive, file.Status)
+	}
+	if file.StatusMessage != "" {
+		t.Errorf("expected empty status_message after cooldown expires, got %q", file.StatusMessage)
+	}
+	if !file.NextRetryAfter.IsZero() {
+		t.Errorf("expected zero next_retry_after, got %v", file.NextRetryAfter)
+	}
+}
+
+func TestListAuthFiles_SingleModel403Cooling_OtherModelActive(t *testing.T) {
+	t.Setenv("MANAGEMENT_PASSWORD", "")
+	now := time.Now().UTC()
+	activeDeadline := now.Add(30 * time.Minute)
+
+	manager := coreauth.NewManager(nil, nil, nil)
+	cfg := &config.Config{AuthDir: t.TempDir()}
+	manager.SetConfig(cfg)
+
+	// An auth where Model A is in a 403 cooldown, but Model B is active and healthy.
+	registerAuthForLookupTest(t, manager, &coreauth.Auth{
+		ID:            "auth-single-403-other-active",
+		Index:         "idx-single-403",
+		FileName:      "auth-single-403.json",
+		Provider:      "codex",
+		Status:        coreauth.StatusError,
+		StatusMessage: "forbidden",
+		Unavailable:   false,
+		LastError:     &coreauth.Error{HTTPStatus: 403, Message: "forbidden"},
+		ModelStates: map[string]*coreauth.ModelState{
+			"model-forbidden": {
+				Status:         coreauth.StatusError,
+				StatusMessage:  "forbidden",
+				Unavailable:    true,
+				NextRetryAfter: activeDeadline,
+				LastError:      &coreauth.Error{HTTPStatus: 403, Message: "forbidden"},
+			},
+			"model-working": {
+				Status: coreauth.StatusActive,
+			},
+		},
+		Attributes: map[string]string{"runtime_only": "true"},
+	})
+
+	h := NewHandlerWithoutConfigFilePath(cfg, manager)
+	payload := requestAuthFilesCooldowns(t, h, "?name=auth-single-403.json")
+
+	if len(payload.Files) != 1 {
+		t.Fatalf("expected 1 file, got %d", len(payload.Files))
+	}
+
+	file := payload.Files[0]
+	if file.Unavailable {
+		t.Error("expected unavailable=false because model-working is active, got true")
+	}
+	if file.Status != string(coreauth.StatusActive) {
+		t.Errorf("expected status=%q because model-working is active, got %q", coreauth.StatusActive, file.Status)
+	}
+}
+
+func TestListAuthFiles_ExpiredCooldown_ExpiredToken_InFlightRefresh(t *testing.T) {
+	t.Setenv("MANAGEMENT_PASSWORD", "")
+	now := time.Now().UTC()
+	expiredDeadline := now.Add(-10 * time.Minute)
+	inFlightRefresh := now.Add(1 * time.Minute)
+
+	manager := coreauth.NewManager(nil, nil, nil)
+	cfg := &config.Config{AuthDir: t.TempDir()}
+	manager.SetConfig(cfg)
+
+	// An OAuth credential whose quota cooldown expired, but its access token is expired,
+	// and a background refresh is currently in-flight/scheduled (NextRefreshAfter in future).
+	// Because the access token is expired, selector blocks it and it must NOT be reported as active.
+	registerAuthForLookupTest(t, manager, &coreauth.Auth{
+		ID:               "auth-expired-cooldown-expired-token",
+		Index:            "idx-exp-cool-exp-tok",
+		FileName:         "auth-exp-cool-exp-tok.json",
+		Provider:         "codex",
+		Status:           coreauth.StatusError,
+		StatusMessage:    "credential_quota",
+		Unavailable:      true,
+		NextRetryAfter:   expiredDeadline,
+		NextRefreshAfter: inFlightRefresh,
+		Quota: coreauth.QuotaState{
+			Exceeded:      true,
+			Reason:        "credential_quota",
+			NextRecoverAt: expiredDeadline,
+		},
+		Metadata: map[string]any{
+			"type":         "codex",
+			"access_token": "expired-access-token",
+			"expired":      now.Add(-5 * time.Minute).Format(time.RFC3339),
+		},
+		Attributes: map[string]string{"runtime_only": "true"},
+	})
+
+	h := NewHandlerWithoutConfigFilePath(cfg, manager)
+	payload := requestAuthFilesCooldowns(t, h, "?name=auth-exp-cool-exp-tok.json")
+
+	if len(payload.Files) != 1 {
+		t.Fatalf("expected 1 file, got %d", len(payload.Files))
+	}
+
+	file := payload.Files[0]
+	if !file.Unavailable {
+		t.Error("expected unavailable=true because access token is expired, got false")
+	}
+	if file.Status != string(coreauth.StatusError) {
+		t.Errorf("expected status=%q, got %q", coreauth.StatusError, file.Status)
+	}
+	if file.StatusMessage != "credential_quota" {
+		t.Errorf("expected status_message=%q, got %q", "credential_quota", file.StatusMessage)
+	}
+}
+
+func TestListAuthFiles_ActiveAuth_InactiveFutureTimestamp(t *testing.T) {
+	t.Setenv("MANAGEMENT_PASSWORD", "")
+	now := time.Now().UTC()
+	inactiveFutureTimestamp := now.Add(1 * time.Hour)
+
+	manager := coreauth.NewManager(nil, nil, nil)
+	cfg := &config.Config{AuthDir: t.TempDir()}
+	manager.SetConfig(cfg)
+
+	// An active, healthy auth that has an inactive future NextRetryAfter timestamp
+	// (Unavailable=false, Quota.Exceeded=false). Matching selector.availabilityBlock,
+	// an inactive timestamp does not block the credential or report it as in error.
+	registerAuthForLookupTest(t, manager, &coreauth.Auth{
+		ID:             "auth-active-inactive-future-timestamp",
+		Index:          "idx-active-inactive-future",
+		FileName:       "auth-active-future.json",
+		Provider:       "codex",
+		Status:         coreauth.StatusActive,
+		Unavailable:    false,
+		NextRetryAfter: inactiveFutureTimestamp,
+		Attributes:     map[string]string{"runtime_only": "true"},
+	})
+
+	h := NewHandlerWithoutConfigFilePath(cfg, manager)
+	payload := requestAuthFilesCooldowns(t, h, "?name=auth-active-future.json")
+
+	if len(payload.Files) != 1 {
+		t.Fatalf("expected 1 file, got %d", len(payload.Files))
+	}
+
+	file := payload.Files[0]
+	if file.Unavailable {
+		t.Error("expected unavailable=false for active auth with inactive future timestamp, got true")
+	}
+	if file.Status != string(coreauth.StatusActive) {
+		t.Errorf("expected status=%q, got %q", coreauth.StatusActive, file.Status)
+	}
+}
+
+func TestListAuthFiles_ModelCooling_OtherModelPermanentBlocked(t *testing.T) {
+	t.Setenv("MANAGEMENT_PASSWORD", "")
+	now := time.Now().UTC()
+	activeDeadline := now.Add(30 * time.Minute)
+
+	manager := coreauth.NewManager(nil, nil, nil)
+	cfg := &config.Config{AuthDir: t.TempDir()}
+	manager.SetConfig(cfg)
+
+	// Model A is in active cooldown (+30m).
+	// Model B has a permanent failure with no recovery time (Unavailable=true, NextRetryAfter=zero).
+	// Because all schedulable models are blocked, the credential as a whole cannot serve any model.
+	registerAuthForLookupTest(t, manager, &coreauth.Auth{
+		ID:            "auth-all-blocked-cooling-and-perm",
+		Index:         "idx-all-blocked",
+		FileName:      "auth-all-blocked.json",
+		Provider:      "codex",
+		Status:        coreauth.StatusError,
+		StatusMessage: "model failure",
+		Unavailable:   true,
+		ModelStates: map[string]*coreauth.ModelState{
+			"model-cooling": {
+				Status:         coreauth.StatusError,
+				Unavailable:    true,
+				NextRetryAfter: activeDeadline,
+			},
+			"model-perm-blocked": {
+				Status:      coreauth.StatusError,
+				Unavailable: true,
+			},
+		},
+		Attributes: map[string]string{"runtime_only": "true"},
+	})
+
+	h := NewHandlerWithoutConfigFilePath(cfg, manager)
+	payload := requestAuthFilesCooldowns(t, h, "?name=auth-all-blocked.json")
+
+	if len(payload.Files) != 1 {
+		t.Fatalf("expected 1 file, got %d", len(payload.Files))
+	}
+
+	file := payload.Files[0]
+	if !file.Unavailable {
+		t.Error("expected unavailable=true because all models are blocked, got false")
+	}
+	if file.Status != string(coreauth.StatusError) {
+		t.Errorf("expected status=%q because all models are blocked, got %q", coreauth.StatusError, file.Status)
+	}
+}
+
+func TestListAuthFiles_SparseModelState_BlockedModelDoesNotMakeAuthUnavailable(t *testing.T) {
+	t.Setenv("MANAGEMENT_PASSWORD", "")
+	now := time.Now().UTC()
+	activeDeadline := now.Add(30 * time.Minute)
+
+	manager := coreauth.NewManager(nil, nil, nil)
+	cfg := &config.Config{AuthDir: t.TempDir()}
+	manager.SetConfig(cfg)
+
+	// An auth where Model A has an active cooldown in ModelStates, but Model B has no entry in the sparse map yet.
+	// Because other supported models are schedulable and auth.Unavailable is false, the credential as a whole
+	// must NOT be reported as unavailable.
+	registerAuthForLookupTest(t, manager, &coreauth.Auth{
+		ID:          "auth-sparse-models",
+		Index:       "idx-sparse-models",
+		FileName:    "auth-sparse-models.json",
+		Provider:    "codex",
+		Status:      coreauth.StatusActive,
+		Unavailable: false,
+		ModelStates: map[string]*coreauth.ModelState{
+			"model-a": {
+				Status:         coreauth.StatusError,
+				Unavailable:    true,
+				NextRetryAfter: activeDeadline,
+			},
+		},
+		Attributes: map[string]string{"runtime_only": "true"},
+	})
+
+	h := NewHandlerWithoutConfigFilePath(cfg, manager)
+	payload := requestAuthFilesCooldowns(t, h, "?name=auth-sparse-models.json")
+
+	if len(payload.Files) != 1 {
+		t.Fatalf("expected 1 file, got %d", len(payload.Files))
+	}
+
+	file := payload.Files[0]
+	if file.Unavailable {
+		t.Error("expected unavailable=false because sparse unrecorded models remain schedulable, got true")
+	}
+	if file.Status != string(coreauth.StatusActive) {
+		t.Errorf("expected status=%q, got %q", coreauth.StatusActive, file.Status)
+	}
+}
diff --git a/sdk/cliproxy/auth/conductor_cooldown.go b/sdk/cliproxy/auth/conductor_cooldown.go
index 22041fa59..c2a855c25 100644
--- a/sdk/cliproxy/auth/conductor_cooldown.go
+++ b/sdk/cliproxy/auth/conductor_cooldown.go
@@ -1663,6 +1663,12 @@ func hasUnauthorizedAuthFailure(auth *Auth) bool {
 	return false
 }
 
+// HasUnauthorizedAuthFailure reports whether the auth has a terminal unauthorized error
+// with no pending refresh scheduled.
+func HasUnauthorizedAuthFailure(auth *Auth) bool {
+	return hasUnauthorizedAuthFailure(auth)
+}
+
 func refreshErrorFromError(err error) *Error {
 	if err == nil {
 		return nil