A family of actions is closed under counterterms when all required divergent local terms can be absorbed into that family. This does not imply that the full quantum effective action contains no additional finite effective interaction vertices or terms in its derivative expansion.
Without a symmetry excluding odd scalar powers, a real-scalar Yukawa interaction with a massive Dirac field requires a general scalar potential through degree four. For a constant background, the fermion mass becomes , and its divergent local determinant contribution contains . Linear and cubic terms are therefore generated when . A zero renormalized tadpole is a renormalization condition, not a prohibition of its counterterm. An exact discrete chiral symmetry in a massless fermion theory can instead enforce an even scalar potential.
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