diff --git a/.planning/phases/06-http-routing-auth-groups-and-rate-limiting/06-04-SUMMARY.md b/.planning/phases/06-http-routing-auth-groups-and-rate-limiting/06-04-SUMMARY.md
new file mode 100644
index 0000000..4c1f082
--- /dev/null
+++ b/.planning/phases/06-http-routing-auth-groups-and-rate-limiting/06-04-SUMMARY.md
@@ -0,0 +1,163 @@
+---
+phase: 06-http-routing-auth-groups-and-rate-limiting
+plan: 04
+subsystem: api
+tags: [ssrf, fetchguard, https, dial-control, netip, httptest]
+
+requires:
+  - phase: 01-framework-kernel-foundation
+    provides: compass.Config Lookup/Open layered YAML
+provides:
+  - fetchguard.Fetch SSRF-guarded HTTPS GET with typed Reason errors
+  - fetchguard.Policy AllowHostsMode and PublicOnlyMode
+  - Dial-time private/reserved/CGNAT IP block via net.Dialer.Control
+  - Streaming io.LimitReader byte cap and no-follow redirects
+affects:
+  - phase-12-manual-cover-url
+  - phase-14-discogs-cover-import
+
+tech-stack:
+  added: []
+  patterns:
+    - Dial-time SSRF check on net.Dialer.Control after Addr.Unmap
+    - Host allow-list is exact or dotted-suffix ("." + allowed), never a raw suffix
+    - http.ErrUseLastResponse returns 3xx as Result; caller re-invokes Fetch to follow
+    - io.LimitReader(body, maxBytes+1) for streaming too_large, never post-hoc len()
+
+key-files:
+  created:
+    - fetchguard/fetch.go
+    - fetchguard/policy.go
+    - fetchguard/ip.go
+    - fetchguard/fetch_test.go
+    - fetchguard/ip_test.go
+  modified: []
+
+key-decisions:
+  - "Redirects are not errors: Fetch returns the 3xx Result via http.ErrUseLastResponse so the caller must re-invoke Fetch to follow Location (T-06-17)"
+  - "isReservedOrPrivate does not Unmap; fetch.go's dial hook Unmaps before classifying, closing the v4-mapped-v6 metadata bypass"
+  - "Guarded Transport disables HTTP_PROXY so Control sees the target address, not a proxy"
+  - "Unexported Policy.tlsConfig and skipReservedCheck exist only so httptest TLS listeners on 127.0.0.1 can exercise redirect/byte-cap paths; production callers leave both unset"
+
+patterns-established:
+  - "SSRF outbound fetch lives in framework package fetchguard; app call sites (ManualCoverUrlFetcher, CoverImporter) arrive in later phases (D-13)"
+  - "Failure reasons are a closed *Error.Reason set matching PHP: invalid_url, scheme, unresolvable, private_ip, network_error, too_large"
+
+requirements-completed: [HTTP-07]
+
+duration: 8min
+completed: 2026-09-19
+---
+
+# Phase 6 Plan 04: SSRF-guarded outbound fetch helper Summary
+
+**Dial-time SSRF-guarded `fetchguard.Fetch` with AllowHosts/PublicOnly modes, PHP CIDR table, streaming byte cap, and typed failure reasons — helper and tests only**
+
+## Performance
+
+- **Duration:** 8 min
+- **Started:** 2026-09-19T16:54:42Z
+- **Completed:** 2026-09-19T17:02:28Z
+- **Tasks:** 2
+- **Files modified:** 5
+
+## Accomplishments
+
+- Ported `ManualCoverUrlFetcher.php` `PRIVATE_V4_CIDRS` / `PRIVATE_V6_PREFIXES` onto `netip.Prefix`, including CGNAT `100.64.0.0/10` and cloud-metadata `169.254.0.0/16`, with Unmap documented as the dial-hook caller's job.
+- Shipped `fetchguard.Fetch`: https-only, host allow-list (exact + dotted-suffix so `evil-discogs.com` cannot match `discogs.com`), always-on private-IP block at `net.Dialer.Control` (closes PHP's admitted DNS-rebinding TOCTOU), no automatic redirects, streaming `io.LimitReader` cap, config defaults 10 MiB / 10s with explicit zero/negative as an error (D-14).
+- Zero production call sites — no `ManualCoverUrlFetcher` or `CoverImporter` wiring (D-13).
+
+## Task Commits
+
+Each task was committed atomically (TDD RED then GREEN):
+
+1. **Task 1: Private/reserved IP classification table**
+   - `f7e7ca7` test(06-04): add failing test for private/reserved IP table
+   - `d3630e7` feat(06-04): implement private/reserved IP classification table
+2. **Task 2: Policy, defaults, and the dial-time-guarded Fetch entry point**
+   - `bae9de8` test(06-04): add failing tests for SSRF-guarded Fetch
+   - `7923fe8` feat(06-04): implement dial-time SSRF-guarded Fetch
+
+**Plan metadata:** (this commit) docs(06-04): complete SSRF-guarded fetch helper plan
+
+## Files Created/Modified
+
+- `fetchguard/ip.go` — `isReservedOrPrivate` CIDR table (PHP constants, fail-closed on invalid addr)
+- `fetchguard/ip_test.go` — table-driven cases including Unmap, CGNAT, metadata, 172.16/12 boundaries
+- `fetchguard/policy.go` — Mode, Reason, Policy, Error, Defaults, DefaultsFromConfig via Lookup
+- `fetchguard/fetch.go` — `Fetch` with dial Control, ErrUseLastResponse, LimitReader, typed errors
+- `fetchguard/fetch_test.go` — httptest TLS cases for scheme/host/private_ip/redirect/too_large/config
+
+## Decisions Made
+
+- Pin redirect behavior to `http.ErrUseLastResponse`: a 3xx is a non-error `Result` so following Location requires a new `Fetch` through the same guard (T-06-17).
+- `isReservedOrPrivate` classifies an already-Unmap()'d `netip.Addr`; the dial hook Unmaps, matching Pitfall 6.
+- Disable `HTTP_PROXY` on the guarded transport so Control observes the target IP, not a proxy hop.
+- Unexported `Policy.tlsConfig` / `skipReservedCheck` let tests talk to loopback httptest servers without weakening production checks.
+
+## Deviations from Plan
+
+### Auto-fixed Issues
+
+**1. [Rule 3 - Blocking] Unexported test-only Policy fields for httptest loopback**
+- **Found during:** Task 2 (Fetch entry point)
+- **Issue:** httptest TLS servers bind 127.0.0.1, which the production dial-time private-IP block correctly rejects. Redirect and streaming-cap tests need a real connection to that listener; mocking `http.RoundTripper` would skip the thing under test for private_ip but would also skip LimitReader/CheckRedirect.
+- **Fix:** Unexported `Policy.tlsConfig` and `skipReservedCheck`, set only from `fetch_test.go` via `withTestLoopback`. Private-IP tests leave both unset and assert `ReasonPrivateIP` against the real Control hook.
+- **Files modified:** `fetchguard/policy.go`, `fetchguard/fetch.go`, `fetchguard/fetch_test.go`
+- **Verification:** `go test ./fetchguard/... -race` — private_ip subtests fail closed; redirect/too_large pass against real TLS listeners
+- **Committed in:** `7923fe8` (Task 2 GREEN)
+
+**2. [Rule 2 - Missing Critical] Disable HTTP_PROXY on the guarded transport**
+- **Found during:** Task 2 (Fetch entry point)
+- **Issue:** Honoring `HTTP_PROXY` would make Control see the proxy address, not the user-supplied target — an SSRF bypass.
+- **Fix:** Set `Transport.Proxy` to nil (no proxy) on the per-call client.
+- **Files modified:** `fetchguard/fetch.go`
+- **Verification:** private_ip tests still hit Control on 127.0.0.1; `go vet ./...` clean
+- **Committed in:** `7923fe8` (Task 2 GREEN)
+
+---
+
+**Total deviations:** 2 auto-fixed (1 blocking, 1 missing-critical)
+**Impact on plan:** Both required for correctness/security of the helper and its httptest proof. No call sites added. No scope creep.
+
+## Issues Encountered
+
+Grok worktree clone had `.git` as a directory and HEAD on `master`. Created `worktree-agent-01a0ba96` from `ecab09c` without rewinding `master`, then committed only on that branch.
+
+## User Setup Required
+
+None - no external service configuration required.
+
+## Next Phase Readiness
+
+- `fetchguard.Fetch` is ready for Phase 12 `ManualCoverUrlFetcher` (PublicOnlyMode) and Phase 14 Discogs `CoverImporter` (AllowHostsMode) call sites.
+- Callers must pass an already-resolved `Policy` (or nil cfg to use 10 MiB / 10s). Following a 3xx means a new `Fetch` of Location.
+- No blockers.
+
+## TDD Gate Compliance
+
+Per-task RED then GREEN commits are present:
+
+1. `f7e7ca7` test(06-04) (RED Task 1)
+2. `d3630e7` feat(06-04) (GREEN Task 1)
+3. `bae9de8` test(06-04) (RED Task 2)
+4. `7923fe8` feat(06-04) (GREEN Task 2)
+
+## Self-Check: PASSED
+
+- FOUND: `fetchguard/ip.go`
+- FOUND: `fetchguard/ip_test.go`
+- FOUND: `fetchguard/policy.go`
+- FOUND: `fetchguard/fetch.go`
+- FOUND: `fetchguard/fetch_test.go`
+- FOUND: `f7e7ca7`
+- FOUND: `d3630e7`
+- FOUND: `bae9de8`
+- FOUND: `7923fe8`
+- `go vet ./...` clean
+- `go test ./fetchguard/... -race` pass
+- `go test ./... -short` pass
+
+---
+*Phase: 06-http-routing-auth-groups-and-rate-limiting*
+*Completed: 2026-09-19*