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NF:
There are two types of plays (for penalty enforcement purposes) during this down.
The first is a Loose Ball play, which begins with the snap and ends with the recovery of the fumble by A10. See 10-3-1-c(Note). A fumble [in this case] made by A in or behind the NZ before a COP constitutes a Loose Ball play, and this includes all of the run(s) preceding the fumble.
The second is a Running play, which begins with the recovery by A10 and ends when the down is over (TD). See 10-3-2. The action during this time period does not match any definitions outlined in 10-3-1 so it is a Running play by default.
The hold occurred prior to the recovery by A10 so it occurred during a Loose Ball play. The Basic Spot for a foul during Loose Ball play is the Previous Spot. See 10-4-2-b. According to the all-but-one principle, all fouls are penalized from the BS, except for a foul by the offense behind the BS.
In this case, it is a foul by the offense however the spot of the foul is not behind the BS, which is the PS.
Therefore, penalize A 10 yards from the PS, 3/15 from the A-40. Clock on the snap.
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