{"meta":{"key":"r091--pass-01","task":"R091","title":"Federal larger-participant consumer-debt-collection supervision criteria","parent_title":"Creditor collector and buyer profiles","edition":"pass-01","path":"/research/r091--pass-01/","kind":"split_pass","category":"subject","role":"primary_area","area_numbers":[91],"groups":["practical"],"date":"2026-10-28","tables":18,"claims":96,"sources":21,"review_status":"reviewed_with_selected_source_and_application_holds","review_complete":true,"sha256":"84797f148cd85f17e1140e22a1659d8a55bc57ad90101281205202ca8e8e0418","headings":["Federal larger-participant consumer-debt-collection supervision criteria","1. Source register and authentication bounds","Reading conventions","A. Current regulatory and statutory bodies","B. Enactment, adoption, amendment, and later-status instruments","2. Substantive findings and atomic claim register","A. Organization, legal status, and historical application","B. Covered-person, consumer, product/service, and affiliation definitions","C. The consumer-debt-collection market and its exclusions","D. Receipts, accounting periods, aggregation, and the threshold","E. Continuing status and the complete selected challenge procedure","F. Supervision authority, confidentiality, and limits of legal effect","3. Provision-specific comparisons","4. Complete measurement register for quantities relied on","A. Operative measures and procedural periods","B. Historical application, publication, and currency measures","5. Conditional legal-category branches","6. Wholly blank analytical reference worksheet","7. Granular question-to-claim and coverage crosswalk","8. Source-read and failure log","Completed and bounded reads","Failed or limited endpoints","9. Explicit unresolved matters and scope holds","10. Researcher self-check — not independent review"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"R091/pass-01","facets":{"geography":["us","us-federal"],"debt_type":[],"stage":["collection"],"subject":["company-market-research"]},"scope":"Independentpubliclarger-participantconsumer-debt-collectionsupervisioncriteria;allactualorganizations/profiles-andremainingA091held","pending_corrections":0},"markdown":"# SettleADebt R091 PASS-01\n\n## Federal larger-participant consumer-debt-collection supervision criteria\n\n**Actual research access date: October 28, 2026, America/Los_Angeles.**\n\nThe latest accessible eCFR body retained **12 CFR 1090.105**, including the test of **more than $10 million in annual receipts resulting from the rule’s defined consumer debt collection**. The indispensable general provisions are **§§1090.100–1090.103**. The final eCFR recheck displayed Title 12 as current through **October 26, 2026**; that is a compilation cutoff, not a certification of every subsequent amendment or judicial development. The accessible U.S. Code bodies displayed a different cutoff: laws in effect through **Public Law 119-124, October 15, 2026**. [C001–C003, C058, C096] [ecfr.gov+2](https://www.ecfr.gov/current/title-12/chapter-X/part-1090?utm_source=chatgpt.com)\n\nThe selected framework requires separate treatment of **the covered-person category, the defined collection activity, the receipts calculation, affiliate aggregation, continuing status, and the procedure for disputing status**. A threshold result alone would not prove current examination, licensing, legitimacy, compliance, ownership of a debt, or entitlement to collect it. The later materials authenticated here include a **2025 advance notice of proposed rulemaking** and a **2026 regulatory-agenda entry**; neither is adopted replacement language for §1090.105. [C009, C013–C041, C049–C070, C092–C095] [ecfr.gov+2](https://www.ecfr.gov/current/title-12/chapter-X/part-1090?utm_source=chatgpt.com)\n\nAll findings below concern public legal categories. No organization, affiliate group, account, portfolio, transaction, supervisory communication, or financial record was investigated or classified.\n\n**Register convention.** In cross-references, “S001,” “C001,” “M001,” and “B001” mean **R091-P1-S001**, **R091-P1-C001**, **R091-P1-M001**, and **R091-P1-B001**, respectively. Source and claim registers give the full identifiers.\n\n## 1. Source register and authentication bounds\n\n### Reading conventions\n\n- **Every source entry below was accessed on October 28, 2026, America/Los_Angeles.**\n- **P** denotes printed pagination; **I** denotes a zero-based PDF page index.\n- PDF reading was through **parsed text**. No PDF-page pixel inspection is claimed.\n- “Complete” applies only to the expressly identified section, clause, or document body. It does not mean the entire surrounding title, statute, Federal Register issue, or regulatory regime was read.\n- Multiple formats of the same instrument are grouped. They are not independent corroboration.\n- The historical dates below establish what the examined instruments say about publication and commencement. They do not establish any organization’s historical or present status.\n\n### A. Current regulatory and statutory bodies\n\n| Source ID | Issuer, title, and complete literal HTTPS URLs | Exact read bounds | Version, legal status, effectiveness, and limits |\n| --- | --- | --- | --- |\n| **R091-P1-S001** | Bureau of Consumer Financial Protection; OFR/GPO codification, **12 CFR Part 1090—Defining Larger Participants of Certain Consumer Financial Product and Service Markets**. [https://www.ecfr.gov/current/title-12/chapter-X/part-1090](https://www.ecfr.gov/current/title-12/chapter-X/part-1090?utm_source=chatgpt.com); section view: [https://www.ecfr.gov/current/title-12/chapter-X/part-1090/subpart-B/section-1090.105](https://www.ecfr.gov/current/title-12/chapter-X/part-1090/subpart-B/section-1090.105?utm_source=chatgpt.com); annual edition: [https://www.govinfo.gov/content/pkg/CFR-2025-title12-vol9/pdf/CFR-2025-title12-vol9-part1090.pdf](https://www.govinfo.gov/content/pkg/CFR-2025-title12-vol9/pdf/CFR-2025-title12-vol9-part1090.pdf?utm_source=chatgpt.com) | Complete authority/source notes and **§§1090.100, .101, .102, .103, .105**. Annual edition: §§.100–.103, P1173–1175/I0–2; §.105, P1176–1178/I3–5. Other market provisions were not substantively investigated. | Final eCFR display: **through 10/26/2026; Title 12 last amended 10/23/2026**. Earlier captures displayed earlier cutoffs, retained in the log. eCFR describes itself as authoritative but unofficial, not the official legal edition. Annual CFR: **January 1, 2025 edition**, historical support only. Selected effective dates are authenticated separately in S012–S016. |\n| **R091-P1-S002** | Office of the Law Revision Counsel, **12 USC 5514—Supervision of nondepository covered persons**. [https://uscode.house.gov/us/usc/119-124/t12/s5514/](https://uscode.house.gov/us/usc/119-124/t12/s5514/?utm_source=chatgpt.com) | Complete **§5514(a)–(f)**, source credit, amendment note, references note, and effective-date note. HTML; no PDF pagination. | Displayed laws in effect through **PL119-124, 10/15/2026**. Enacted statutory text; original and material amendment examined in S009–S010. No exhaustive later-law or judicial audit. |\n| **R091-P1-S003** | OLRC, **12 USC 5481—Definitions**. [https://uscode.house.gov/us/usc/119-124/t12/s5481/](https://uscode.house.gov/us/usc/119-124/t12/s5481/?utm_source=chatgpt.com) | Complete selected definitions **(1)–(11), (14), (15)(A)–(C), (17), (19), (24)–(27)**. Especially the complete financial-product/service and service-provider definitions. Surrounding portions were encountered, but no claim that every incorporated financial-law regime was investigated. | Same **10/15/2026** statutory cutoff. Definition text and editorial notes distinguished. Underlying insurance, securities, banking, transferred-law, and other regimes remain bounded dependencies where relevant. |\n| **R091-P1-S004** | OLRC, **12 USC 5512—Rulemaking authority**. [https://uscode.house.gov/us/usc/119-124/t12/s5512/](https://uscode.house.gov/us/usc/119-124/t12/s5512/?utm_source=chatgpt.com) | Complete **(a), (b)(1)–(4), and (c)(1)–(9)** read; reliance is principally on **(a), (b)(1), (b)(3), (c)(5)–(9)**. Effective-date note read. Section (d), unrelated subsidiary provisions, and incorporated regimes are not treated as completed investigations. | Same statutory cutoff. Section 1029A’s special commencement clause applies to §1022, codified here. S009 authenticates that clause. Registration and confidentiality authority are distinguished from particular implementing rules or actual registration/disclosure. |\n| **R091-P1-S005** | OLRC, **12 USC 5515 and 5516**, institutional exclusions. [https://uscode.house.gov/us/usc/119-124/t12/s5515/](https://uscode.house.gov/us/usc/119-124/t12/s5515/?utm_source=chatgpt.com); [https://uscode.house.gov/us/usc/119-124/t12/s5516/](https://uscode.house.gov/us/usc/119-124/t12/s5516/?utm_source=chatgpt.com) | Complete **§5515(a)** and **§5516(a)**. Remainders not used as a completed bank-supervision dossier. | Same statutory cutoff. The two provisions have different affiliate wording. Original subtitle application is governed by S009’s §1029A, subject to its express exceptions. No actual insured status or asset measure established. |\n| **R091-P1-S006** | OLRC, incorporated institutional definitions. [https://uscode.house.gov/us/usc/119-124/t12/s5301/](https://uscode.house.gov/us/usc/119-124/t12/s5301/?utm_source=chatgpt.com); [https://uscode.house.gov/us/usc/119-124/t12/s1813/](https://uscode.house.gov/us/usc/119-124/t12/s1813/?utm_source=chatgpt.com); [https://uscode.house.gov/us/usc/119-124/t12/s1752/](https://uscode.house.gov/us/usc/119-124/t12/s1752/?utm_source=chatgpt.com) | Complete selected **§5301(9), (18)(A); §1813(a)–(c); §1752(1), (5)–(7)**. These support the insured-depository/credit-union terminology; they do not complete chartering, insurance, or all banking definitions. | Same statutory cutoff. Current codified definitions read; their complete historical amendment chains were not authenticated. Special §1813(c)(3) treatment is not transposed beyond its expressly stated purpose. |\n| **R091-P1-S007** | OLRC, **12 USC 1867—Regulation and examination of bank service companies**. [https://uscode.house.gov/us/usc/119-124/t12/s1867/](https://uscode.house.gov/us/usc/119-124/t12/s1867/?utm_source=chatgpt.com) | Complete **§1867(c)**, the incorporation in §5514(e). | Same statutory cutoff. Narrow service-provider analogy only. The full bank-service, appropriate-agency, notice, and enforcement regimes remain held. |\n| **R091-P1-S008** | OLRC, **12 USC 5517—Limitations on authorities of the Bureau; preservation of authorities**. [https://uscode.house.gov/us/usc/119-124/t12/s5517/](https://uscode.house.gov/us/usc/119-124/t12/s5517/?utm_source=chatgpt.com) | Complete **(e)(1)–(3), (n), and (p)** read for practice-of-law limits, preserved service-provider/information authority, and Attorney General authority. Other exclusions and their nested incorporations are not represented as fully resolved. | Same statutory cutoff. No attorney, professional, or other actor was classified. State-law practice boundaries and enumerated-law application remain held. |\n| **R091-P1-S019** | Internal Revenue Service, **Publication 538, Accounting Periods and Methods**. [https://www.irs.gov/publications/p538](https://www.irs.gov/publications/p538?utm_source=chatgpt.com) | Selected complete headings on **Accounting Periods, Calendar Year, Fiscal Year, 52–53-Week Tax Year, and Short Tax Year introduction**. Not the whole publication; no return or form-specific income/COGS instruction was examined. | Displayed **Publication 538 (01/2022), revised January 2022**. Official tax instruction, not an amendment to §1090.105. It supports accounting-period terminology; return-specific receipt classification remains unresolved. |\n| **R091-P1-S020** | Bureau/OFR/GPO, narrow confidentiality provisions. [https://www.ecfr.gov/current/title-12/chapter-X/part-1070/subpart-A/section-1070.2](https://www.ecfr.gov/current/title-12/chapter-X/part-1070/subpart-A/section-1070.2?utm_source=chatgpt.com); [https://www.ecfr.gov/current/title-12/chapter-X/part-1070/subpart-D/section-1070.40](https://www.ecfr.gov/current/title-12/chapter-X/part-1070/subpart-D/section-1070.40?utm_source=chatgpt.com); [https://www.ecfr.gov/current/title-12/chapter-X/part-1070/subpart-D/section-1070.41](https://www.ecfr.gov/current/title-12/chapter-X/part-1070/subpart-D/section-1070.41?utm_source=chatgpt.com) | Complete **§1070.2**, with reliance limited to material definitions; complete **§§1070.40 and .41(a)–(e)**. No complete Part 1070, FOIA, privacy, privilege, or disclosure-request investigation. | Final displays through **10/26/2026**. Official-hosted, unofficial codification. Selected 2020 adopted text authenticated in S021. A printed statutory cross-reference discrepancy remains visible below. |\n\nThe current regulatory bodies and principal statutory scope were read directly, rather than inferred from the titles or source credits. [ecfr.gov+8](https://www.ecfr.gov/current/title-12/chapter-X/part-1090?utm_source=chatgpt.com)\n\n### B. Enactment, adoption, amendment, and later-status instruments\n\n| Source ID | Issuer, instrument, complete literal HTTPS URL | Exact read bounds and pagination | Publication/effect/application/status |\n| --- | --- | --- | --- |\n| **R091-P1-S009** | Congress/GPO, **Public Law 111-203**, Dodd-Frank Act. [https://www.govinfo.gov/content/pkg/PLAW-111publ203/pdf/PLAW-111publ203.pdf](https://www.govinfo.gov/content/pkg/PLAW-111publ203/pdf/PLAW-111publ203.pdf?utm_source=chatgpt.com) | Selected complete **§4**, P124 Stat.1390/I15; **§1022(a), (b)(1)**, P1980/I605; **§1024(a)–(f)**, P1987–1990/I612–615; **§1029A**, P2005/I630; **§1062**, P2039–2040/I664–665. Not the entire Act. | Enacted **July 21, 2010**. §4 supplies a default one-day-after-enactment rule, subject to contrary provisions. §1029A makes §§1022 and 1024 effective on enactment, while generally applying the subtitle on the designated transfer date. |\n| **R091-P1-S010** | Congress/GPO, **Public Law 113-173**. [https://www.govinfo.gov/content/pkg/PLAW-113publ173/pdf/PLAW-113publ173.pdf](https://www.govinfo.gov/content/pkg/PLAW-113publ173/pdf/PLAW-113publ173.pdf?utm_source=chatgpt.com) | Complete Act, §§1–2, **128 Stat.1899/I0**. | Approved **September 26, 2014**. Amends §5514(b)(3) concerning State-agency coordination and preservation of privilege/confidentiality when information is shared. No separate delayed-commencement clause appears in the read Act. |\n| **R091-P1-S011** | Department of the Treasury, **Designated Transfer Date** notice. [https://www.govinfo.gov/content/pkg/FR-2010-09-20/pdf/2010-23487.pdf](https://www.govinfo.gov/content/pkg/FR-2010-09-20/pdf/2010-23487.pdf?utm_source=chatgpt.com) | Selected complete DATES and operative designation paragraphs, **75 FR57252–57253/I0–1**. Not all historical discussion relied on. | Published **September 20, 2010**; designates **July 21, 2011**. Historical transfer-date authority, not a present response deadline. |\n| **R091-P1-S012** | Bureau, **Defining Larger Participants of the Consumer Reporting Market**, original general Part 1090 adoption. [https://www.govinfo.gov/content/pkg/FR-2012-07-20/pdf/2012-17603.pdf](https://www.govinfo.gov/content/pkg/FR-2012-07-20/pdf/2012-17603.pdf?utm_source=chatgpt.com); same-instrument HTML: [https://www.federalregister.gov/documents/2012/07/20/2012-17603/defining-larger-participants-of-the-consumer-reporting-market](https://www.federalregister.gov/documents/2012/07/20/2012-17603/defining-larger-participants-of-the-consumer-reporting-market) | DATES, P42874/I0; complete selected adopted **§§1090.100–.103**, P42898–42899/I24–25; complete selected discussion of **§§.102–.103**, P42881–42883/I7–9, including footnote45. Consumer-reporting-market substance not investigated. | Published **July 20, 2012**; effective **September 30, 2012**. Original regulatory text distinguished from preamble explanation. |\n| **R091-P1-S013** | Bureau, **Defining Larger Participants of the Consumer Debt Collection Market**, final rule. [https://www.govinfo.gov/content/pkg/FR-2012-10-31/pdf/2012-26467.pdf](https://www.govinfo.gov/content/pkg/FR-2012-10-31/pdf/2012-26467.pdf?utm_source=chatgpt.com); same-instrument HTML: [https://www.federalregister.gov/documents/2012/10/31/2012-26467/defining-larger-participants-of-the-consumer-debt-collection-market](https://www.federalregister.gov/documents/2012/10/31/2012-26467/defining-larger-participants-of-the-consumer-debt-collection-market) | DATES P65775/I0; complete section IV, legal authority/effectiveness, P65778/I3; complete adopted §1090.105 and instructions, P65798/I23, concluding material P65799/I24. Selected complete apportionment discussion, P65790/I15, including relevant footnotes. Selected servicing discussion, P65782/I7. Not the whole preamble or its underlying empirical sources. | Published **October 31, 2012**; effective **January 2, 2013**. Original adopted text later corrected/amended as below. |\n| **R091-P1-S014** | Bureau/OFR, **Correction to the consumer-debt-collection final rule**. Readable rendition: [https://www.federalregister.gov/documents/2012/12/07/2012-29438/defining-larger-participants-of-the-consumer-debt-collection-market-correction](https://www.federalregister.gov/documents/2012/12/07/2012-29438/defining-larger-participants-of-the-consumer-debt-collection-market-correction?utm_source=chatgpt.com). Failed original: [https://www.govinfo.gov/content/pkg/FR-2012-12-07/pdf/2012-29438.pdf](https://www.govinfo.gov/content/pkg/FR-2012-12-07/pdf/2012-29438.pdf) | Earlier successful government-hosted HTML/XML rendition: complete DATES, correction explanation, and all four correcting instructions. Publication locator **77 FR72913**. **PDF index unavailable because original PDF access failed.** Later access to the rendition reached a security gate. | Published **December 7, 2012**; states effective **January 2, 2013**. Original-PDF authentication remains incomplete. A difference between one corrected cross-reference and current compilation is not silently repaired. |\n| **R091-P1-S015** | Bureau, **Defining Larger Participants of the Automobile Financing Market and Defining Certain Automobile Leasing Activity as a Financial Product or Service**—only amendments material here. [https://www.govinfo.gov/content/pkg/FR-2015-06-30/pdf/2015-14630.pdf](https://www.govinfo.gov/content/pkg/FR-2015-06-30/pdf/2015-14630.pdf?utm_source=chatgpt.com) | DATES P37496/I0; selected complete explanatory discussion P37506/I10; complete adopted instructions **2, 3, and 5**, including revised nonbank-covered-person definition and §1090.105 annual-receipts (iii)(D), **P37526/I30**. Other market and leasing rules held. | Published **June 30, 2015**; effective **August 31, 2015**. |\n| **R091-P1-S016** | Bureau, **Updates to Supervision and Enforcement Procedures**. [https://www.govinfo.gov/content/pkg/FR-2024-11-29/pdf/2024-27978.pdf](https://www.govinfo.gov/content/pkg/FR-2024-11-29/pdf/2024-27978.pdf?utm_source=chatgpt.com) | DATES and selected organizational explanation, **89 FR94600/I0**; complete Part1090 instructions **13–15**, **P94601/I1**. Other amended procedural parts not investigated. | Published and effective **November 29, 2024**. Replaces the former officer designation with **Supervision Director** in §§.101/.103. |\n| **R091-P1-S017** | Bureau, **Defining Larger Participants of the Consumer Debt Collection Market**, advance notice. [https://www.govinfo.gov/content/pkg/FR-2025-08-08/pdf/2025-15091.pdf](https://www.govinfo.gov/content/pkg/FR-2025-08-08/pdf/2025-15091.pdf?utm_source=chatgpt.com) | Complete debt-collection notice body, **90 FR38418–38421/I0–3**, excluding neighboring documents sharing pages. Action, dates, background, and questions read. Empirical estimates and underlying studies not adopted as findings. | Published **August 8, 2025**. **Advance notice of proposed rulemaking**, not an adopted amendment. Historical comment receipt date: **on or before September 22, 2025**. |\n| **R091-P1-S018** | OIRA/Reginfo, public regulatory agenda, **Defining Larger Participants of the Consumer Debt Collection Market**. [https://www.reginfo.gov/public/do/eAgendaViewRule?RIN=3170-AB51&pubId=202510](https://www.reginfo.gov/public/do/eAgendaViewRule?RIN=3170-AB51&pubId=202510&utm_source=chatgpt.com) | Complete displayed agenda entry’s substantive status and timetable. Contact details not investigated or used. HTML; no printed/PDF page. | Displayed **Publication ID2026**, notwithstanding the URL parameter. “Proposed Rule Stage”; timetable contains **NPRM09/00/2026**. This is a planning placeholder, not a valid day-specific date, adopted rule, or legal deadline. |\n| **R091-P1-S021** | Bureau, **Amendments Relating to Disclosure of Records and Information**. [https://www.govinfo.gov/content/pkg/FR-2020-11-24/pdf/2020-24113.pdf](https://www.govinfo.gov/content/pkg/FR-2020-11-24/pdf/2020-24113.pdf?utm_source=chatgpt.com) | DATES, **85 FR75194/I0**; complete instruction2 revising §1070.2, **P75216–75217/I22–23**; selected complete instruction3 text for **§§1070.40–.41**, P75217/I23. Not all other disclosure provisions or the whole preamble. | Published **November 24, 2020**; effective **December 24, 2020**. Adopted text contains the same §1070.2(i)(4) numerical cross-reference problem visible in current eCFR. |\n\nThe original general rule, debt-collection rule, material 2015 amendment, and 2024 officer-designation amendment were examined as adopted text, with their date clauses kept separate from preambles. [govinfo.gov+5](https://www.govinfo.gov/content/pkg/FR-2012-07-20/pdf/2012-17603.pdf?utm_source=chatgpt.com)\n\n## 2. Substantive findings and atomic claim register\n\n### A. Organization, legal status, and historical application\n\n| Claim ID | Supported finding, with qualification | Exact authority and source |\n| --- | --- | --- |\n| **R091-P1-C001** | The selected provision exists in the accessed current body as **§1090.105, Consumer debt collection market**. The applicable general provisions are **.100 Scope and purpose; .101 Definitions; .102 Status as larger participant subject to supervision; .103 Assessing status as a larger participant**. | S001, complete selected sections and headings. |\n| **R091-P1-C002** | The final eCFR display was through **10/26/2026**, with a Title12-wide last-amended label of **10/23/2026**. Neither label says §1090.105 itself was amended on that date. The annual official CFR examined is the **1/1/2025 edition**. | S001, currency banner, legal-status notice, annual-edition header. |\n| **R091-P1-C003** | The accessible statutory bodies display laws in effect through **PL119-124, 10/15/2026**. They do not, by themselves, establish the complete statutory chain through the access date. | S002–S008, displayed currency; failure log. |\n| **R091-P1-C004** | The original general Part1090 provisions examined were published **7/20/2012**, effective **9/30/2012**. Their historical officer designation must not replace the present §.101/.103 wording. | S012, DATES; adopted §§.100–.103; S016. |\n| **R091-P1-C005** | The debt-collection final rule was published **10/31/2012**, effective **1/2/2013**. Section IV expressly adopts that effective date; it is not inferred solely from a source credit. | S013, DATES; IV.B; adopted §.105. |\n| **R091-P1-C006** | The readable correction rendition states publication **12/7/2012**, effectiveness **1/2/2013**, and four corrections: three internal references and insertion of the paragraph **(b)** designation. Original-PDF access remains a gap. | S014, complete correcting instructions1–4 and DATES. |\n| **R091-P1-C007** | The 2015 amendment revises the nonbank-covered-person definition and expressly provides that a former affiliate that ceased affiliation **during** the measurement period remains aggregated for the **entire** period. | S015, instructions3 and5, effective **8/31/2015**; S001 §.105(a), annual receipts(iii)(D). |\n| **R091-P1-C008** | The 2024 amendment substitutes **Supervision Director** and its delegation definition. Electronic submission and electronic delivery of the determination already appeared in the original 2012 procedure; they were not newly created in 2024. | S016, instructions13–15; S012 §.103(a),(c); S001 §.101. |\n| **R091-P1-C009** | The 2025 document is an **advance notice**, seeking information about whether to propose changes. The later agenda entry is planning information. Neither examined body adopts a replacement receipts threshold. | S017, ACTION, SUMMARY, sectionIII; S018, stage and timetable. |\n| **R091-P1-C010** | A narrow discrepancy remains: correction instruction2 replaces the second example reference in annual-receipts(iii)(C) with **“(ii)(B)”**; current eCFR and the examined annual CFR print **“(ii)”** there. The main annualization rule in (ii)(B) is present, but the intervening reason for this citation difference was not authenticated. | S014, instruction2; S001, §.105(a), annual receipts(iii)(C). |\n| **R091-P1-C011** | Original statutory **§§1022 and1024** became effective on **7/21/2010** under §1029A’s express exception. The generally designated transfer date was **7/21/2011**. These dates differ from Part1090’s later regulatory effective dates. | S009, §§4,1029A,1062; S011, operative designation. |\n| **R091-P1-C012** | The enacted 2014 amendment adds State agencies that license, supervise, or examine consumer-financial-product/service offerings to §5514(b)(3), and preserves claimed privilege/confidentiality against outsiders when information is shared among the specified regulators. | S010 §2; S002 §5514(b)(3). |\n\nThese status findings establish the text and history actually authenticated, while preserving the original-correction gap and the difference between a rulemaking proposal and an adopted rule. [ecfr.gov+9](https://www.ecfr.gov/current/title-12/chapter-X/part-1090?utm_source=chatgpt.com)\n\n### B. Covered-person, consumer, product/service, and affiliation definitions\n\n| Claim ID | Supported finding, with all material qualifications | Exact authority and source |\n| --- | --- | --- |\n| **R091-P1-C013** | Part1090 defines larger participants for supervision under §5514(a)(1)(B) and (a)(2), and facilitates supervision under (b)(7). The debt-collection criterion is a market-specific supervisory category. | S001 §.100 and authority citation; S002 §5514(a)(1)(B),(a)(2),(b)(7)(A); S004 §5512(b)(1). |\n| **R091-P1-C014** | “Person” includes an individual, partnership, company, corporation, incorporated or unincorporated association, trust, estate, cooperative organization, or other entity. It is not confined to corporations. | S001 §.101, Person; S003 §5481(19). |\n| **R091-P1-C015** | “Consumer” means an individual or an agent, trustee, or representative acting on an individual’s behalf. A generic representative category does not prove actual authority or a particular relationship. | S001 §.101, Consumer; S003 §5481(4). |\n| **R091-P1-C016** | Subject to the express §5515(a)/§5516(a) exclusions, “nonbank covered person” includes a person offering or providing a consumer financial product/service, and an affiliate of such a person **if that affiliate acts as a service provider to that person**. Affiliation alone does not satisfy the second route. | S001 §.101, Nonbank covered person; S003 §5481(6). |\n| **R091-P1-C017** | Section5515(a) describes insured depository institutions and insured credit unions with **more than $10 billion in assets, and any affiliate thereof**. Section5516(a) describes insured depository institutions and insured credit unions with **$10 billion or less**. Its subsection(a) does not contain the same “any affiliate” language. | S005, complete respective subsection(a)s. |\n| **R091-P1-C018** | The incorporated insured-depository category concerns a bank or savings association whose deposits are insured under the Federal Deposit Insurance Act; “insured credit union” concerns a credit union whose member accounts are insured under the specified subchapter. Chartering and insurance predicates are not established by a business label. | S006, §1813(a)–(c), particularly(c)(2); §1752(1),(5)–(7); S003 §5481(17). |\n| **R091-P1-C019** | The statutory “affiliate” definition is a person controlling, controlled by, or under common control with another person. Part1090’s **“affiliated company”** supplies additional express company/control wording for its aggregation mechanism. These definitions should not be collapsed with the distinct related-party collector exception. | S003 §5481(1); S001 §.101 and §.105(a), Debt collector(i). |\n| **R091-P1-C020** | A Part1090 affiliated company is a company controlling, controlled by, or under common control with a person, **excluding an insured depository institution or insured credit union**. “Company” includes corporations, LLCs, business trusts, general/limited partnerships, proprietorships, cooperatives, associations, and similar organizations. | S001 §.101, Affiliated company introductory text and(1). |\n| **R091-P1-C021** | One alternative control test is direct, indirect, or through-other-person ownership, control, or voting power over **25 percent or more of any class** of voting securities or similar ownership interest. The denominator is a class, not necessarily all equity. | S001 §.101, Affiliated company(2)(i). |\n| **R091-P1-C022** | A separate control alternative is control, in any manner, over election of a **majority** of directors, trustees, members, or general partners. The rule does not require satisfaction of the ownership-percentage route as well. | S001 §.101, Affiliated company(2)(ii). |\n| **R091-P1-C023** | A further control alternative is directly or indirectly exercising a controlling influence over management or policies. A failure to establish 25-percent ownership alone does not negate this alternative. | S001 §.101, Affiliated company(2)(iii). |\n| **R091-P1-C024** | The consumer-financial-product/service definition has two routes: a §5481(15)(A) product/service offered or provided for consumers’ primarily personal, family, or household use; **or** activities in clauses(i),(iii),(ix), or(x) delivered, offered, or provided in connection with such a consumer product/service. | S001 §.101, Consumer financial product or service(1)–(2); S003 §5481(5),(15). |\n| **R091-P1-C025** | Statutory “credit” includes rights to defer debt payment, incur debt and defer payment, or buy property/services and defer payment. Section5481(15)(A)(i) includes extending credit and servicing loans, including specified acquisition, purchase, sale, brokerage, and extension activities, with its exception for solely extending commercial credit to a consumer-credit originator. This broader product definition does not itself satisfy §.105’s collection-market test. | S003 §5481(7),(15)(A)(i); S001 §.105. |\n| **R091-P1-C026** | Section5481(15)(A)(x) includes collecting debt related to a consumer financial product/service. The complete paragraph(15) contains other categories, qualifications, exclusions, and limited authority to define additional products by regulation. Their existence does not make every receivable a qualifying collection-market receipt. | S003 §5481(15)(A)–(C); S001 §.105(a), Consumer debt collection. |\n| **R091-P1-C027** | A service provider supplies a **material service** to a covered person in connection with that person’s consumer-financial-product/service offering. Included examples encompass designing, operating, maintaining, or processing transactions, with the express exception for unknowingly or incidentally transmitting/processing undifferentiated financial data. | S003 §5481(26)(A). |\n| **R091-P1-C028** | Providing general business support or similar ministerial services, or advertising time/space, does not **solely by itself** establish service-provider status. This is not a blanket exemption for an actor performing additional material services. | S003 §5481(26)(B). |\n| **R091-P1-C029** | A service provider is deemed a covered person to the extent it offers or provides its **own** consumer financial product/service. The statutory rule is activity-qualified. | S003 §5481(26)(C). |\n| **R091-P1-C030** | The financial-product/service definition excludes the **business of insurance**, whose separate definition includes writing/reinsuring risks and the specified acts and authorized-role activities related to that business. It is not an investigated exemption for every activity of an insurance-associated actor. | S003 §5481(3),(15)(C)(i). |\n| **R091-P1-C031** | Electronic conduit services are excluded as defined, but the definition does not include a provider that, when providing the services, selects/modifies content, differentiates financial data in the stated manner, **or** is a payee, payor, correspondent, or similar party to a consumer payment transaction. | S003 §5481(11)(A)–(B),(15)(C)(ii). |\n\nThe definition chain distinguishes insured-institution exclusions, the affiliate-as-service-provider route, and the specific control tests used for receipt aggregation. None is a substitute for another. [ecfr.gov+7](https://www.ecfr.gov/current/title-12/chapter-X/part-1090?utm_source=chatgpt.com)\n\n### C. The consumer-debt-collection market and its exclusions\n\n| Claim ID | Supported conditional rule | Exact authority and source |\n| --- | --- | --- |\n| **R091-P1-C032** | “Consumer debt collection” requires a **debt collector’s collection**, a debt incurred by a consumer **primarily for personal, family, or household purposes**, **and** a relationship to a consumer financial product/service. All these predicates matter. | S001 §.105(a), Consumer debt collection. |\n| **R091-P1-C033** | A creditor offers/extends credit creating a debt or is owed the debt. The definition excludes a person **to the extent** it receives an assignment/transfer of a defaulted debt **solely** to facilitate collection **for another**. | S001 §.105(a), Creditor. |\n| **R091-P1-C034** | “Debt collector” has alternative routes: use of interstate-commerce instrumentalities or the mails in a business whose principal purpose is collecting any debts; **or** regularly collecting/attempting to collect, directly or indirectly, debts owed, due, or asserted owed/due to another. | S001 §.105(a), Debt collector opening sentence. |\n| **R091-P1-C035** | Notwithstanding exclusion(iii), a creditor collecting its own debts is included if it uses a different name indicating that a third person is collecting or attempting collection. The alternate-name condition must be established; ordinary creditor status alone is insufficient. | S001 §.105(a), Debt collector second sentence. |\n| **R091-P1-C036** | The related-party collector exclusion requires common ownership or corporate-control affiliation, collection **only** for related/affiliated persons, **and** a principal business that is **not** debt collection. Relationship alone does not establish the exclusion. | S001 §.105(a), Debt collector(i). |\n| **R091-P1-C037** | The nonprofit exclusion requires a nonprofit organization acting at consumers’ request, performing bona fide consumer credit counseling, and assisting debt liquidation by receiving consumer payments and distributing those amounts to creditors. Nonprofit status alone is insufficient. | S001 §.105(a), Debt collector(ii). |\n| **R091-P1-C038** | The activity-qualified exclusion for collecting another’s debt applies to the extent the debt was **originated by the collector**, **or** was **not in default when that person obtained it**. Those are alternatives within exclusion(iii), not a universal exemption for anything called servicing. | S001 §.105(a), Debt collector(iii)(A)–(B); S013, selected servicing explanation. |\n| **R091-P1-C039** | A person engaged **solely** in enforcing a security interest is excluded from this definition. The selected text does not resolve activities extending beyond that exclusive function. | S001 §.105(a), Debt collector(iv). |\n| **R091-P1-C040** | Ownership/purchase of a debt does not, by label alone, establish inclusion or exclusion. The principal-purpose route refers to collecting **any debts**; the other-owed-debt route and exclusions have different conditions. This Part’s complete definition is the operative selected definition; the full FDCPA definition and its judicial treatment were not imported. | S001 §.105(a), complete Debt collector and Creditor definitions; S013, bounded market explanation. |\n| **R091-P1-C041** | The selected Part does not separately supply complete definitions resolving every edge of “debt,” “default,” “principal purpose,” “regularly,” or “medical provider.” An actual disputed classification cannot be settled by assuming familiar meanings or a judicial consensus. | S001, complete selected definitions; express research boundary. |\n\nThese exclusions are qualifications of this market definition. They are not findings of immunity from every supervisory, enforcement, contract, or debt-collection law. [C078–C082, C095] [ecfr.gov+3](https://www.ecfr.gov/current/title-12/chapter-X/part-1090?utm_source=chatgpt.com)\n\n### D. Receipts, accounting periods, aggregation, and the threshold\n\n| Claim ID | Supported rule and limits | Exact authority and source |\n| --- | --- | --- |\n| **R091-P1-C042** | “Completed fiscal year” includes a tax year that is a fiscal, calendar, or short tax year. The rule recites: fiscal year—12 consecutive months ending on the last day of a month other than December31; calendar year—12 consecutive months ending December31; tax year—annual accounting period or appropriate short year; short year—less than12 months. An annual accounting period itself excludes a short year. | S001 §.101, Completed fiscal year(1)–(4); S019 selected accounting-period instructions. |\n| **R091-P1-C043** | Receipts start with IRS-defined/reported **total income**, or **gross income for a sole proprietorship**, **plus cost of goods sold**. The regulation names illustrative tax forms; it does not establish the correct tax-return category or line treatment for an unidentified actor. | S001 §.105(a), Annual receipts(i). |\n| **R091-P1-C044** | Net capital gains or losses are excluded from receipts. The exclusion is not a general permission to subtract all capital-related cash flows or losses. | S001, Annual receipts(i). |\n| **R091-P1-C045** | Taxes collected for and remitted to a taxing authority are excluded **if included in gross/total income**. The stated category includes customer-collected taxes but **does not exclude taxes levied on the entity or its employees**. | S001, Annual receipts(i). |\n| **R091-P1-C046** | Amounts collected for another are excluded, **but fees earned in connection with those collections are receipts**. Gross collections, remittances, and earned fees therefore cannot be treated as interchangeable categories. | S001, Annual receipts(i). |\n| **R091-P1-C047** | The rule expressly includes examples such as subcontractor costs, reimbursement for purchases made at a customer’s request, and employee-based costs such as payroll taxes. A generic “expense” label does not establish a receipt deduction. | S001, Annual receipts(i). |\n| **R091-P1-C048** | The IRS accounting-period incorporation was read narrowly. Complete return-specific definitions of income, COGS, recognition, and entity classification were **not** authenticated. Thus the regulation’s legal formula is reported, but no fully operational accounting computation or characterization of a particular return is supplied. | S001, Annual receipts(i); S019, selected bounds. |\n| **R091-P1-C049** | For a person in business for **three or more completed fiscal years**, the ordinary measure is total receipts over its **three most recently completed fiscal years divided by three**, subject to the specific short-year rule. | S001, Annual receipts(ii)(A), read with(ii)(C). |\n| **R091-P1-C050** | For a person in business for **less than three completed fiscal years**, the measure is total receipts during the entire period in business, divided by the number of weeks in business, multiplied by **52**. | S001, Annual receipts(ii)(B). |\n| **R091-P1-C051** | Where the person has at least three completed fiscal years but one year in the measurement period is a short tax year, the rule uses total receipts for **the short year and two full fiscal/calendar years**, divided by the total weeks in those periods, multiplied by **52**. | S001, Annual receipts(ii)(C). |\n| **R091-P1-C052** | Annual receipts are aggregated by adding the person’s annual receipts to the annual receipts of **each affiliated company**, using the applicable affiliated-company definition and its insured-institution exclusions. | S001, Annual receipts(iii)(A); §.101; S002 §5514(a)(3)(B). |\n| **R091-P1-C053** | If an affiliated company was acquired, or the person was acquired by an affiliated company, **during the applicable measurement period**, their receipts are aggregated for the **entire period**, not only the post-affiliation portion. | S001, Annual receipts(iii)(B). |\n| **R091-P1-C054** | Each person’s/affiliate’s receipts are calculated separately under paragraph(ii), even if different measurement periods result. The source’s generic illustration annualizes a younger affiliate separately; no invented affiliate or financial example is needed here. The example’s internal-reference discrepancy is preserved in C010. | S001, Annual receipts(iii)(C); S014. |\n| **R091-P1-C055** | A former affiliate is excluded if affiliation ceased **before** the applicable measurement period. If affiliation ceased **during** that period, aggregation covers the **entire** period. Current nonaffiliation is not enough to choose between those rules. | S001, Annual receipts(iii)(D); S015, instruction5. |\n| **R091-P1-C056** | Receipts resulting from collecting debt **originally owed to a medical provider** are excluded. This is a receipts exclusion, not a general determination about medical-debt validity, collection legality, or all supervisory authority. | S001, Annual receipts(iii)(E). |\n| **R091-P1-C057** | The threshold concerns receipts **resulting from consumer debt collection**, not indiscriminately all business revenue. The adoption preamble explains apportionment for both a person and its affiliates and does not impose a separate periodic apportionment form through this rule. That explanation does not eliminate §.103’s information-request or challenge consequences. | S001 §.105(b); S013, P65790/I15, apportionment discussion and footnotes111–112; S001 §.103. |\n| **R091-P1-C058** | The adopted test is **more than $10 million** in the defined annual receipts. Equality alone does not meet this threshold. However, equality or a lower current measure does not itself negate continuing status under §.102 or another statutory supervisory route. No automatic inflation-index formula appears in the selected rule. | S001 §.105(b), §§.101–.102; S002 §5514(a)(1). |\n| **R091-P1-C059** | The selected debt-collection rule does not prescribe a universal December31 snapshot date, rounding rule, partial-week convention, or a complete solution for every multiple-short-year/intercompany-accounting issue. It uses completed fiscal periods and specified aggregation events. Those unestablished conventions prevent an actual or purportedly complete computational model here. | S001, Annual receipts(i)–(iii), §.102; S019 limited read. |\n\n**Consequential distinction:** the numerator is not automatically a debt portfolio’s face amount, assets, gross recoveries, or net profit. It is the rule’s defined receipt base, limited to the selected market, adjusted by its express exclusions, period rules, and affiliate treatment. [C043–C059] [ecfr.gov+3](https://www.ecfr.gov/current/title-12/chapter-X/part-1090?utm_source=chatgpt.com)\n\n### E. Continuing status and the complete selected challenge procedure\n\n| Claim ID | Supported rule and limits | Exact authority and source |\n| --- | --- | --- |\n| **R091-P1-C060** | A larger participant is a nonbank covered person that met a SubpartB test within §.102’s period. A qualifying person **shall not cease** to be a larger participant until **two years from the first day of the tax year in which it last met the applicable test**. | S001 §.101, Larger participant; complete §.102. |\n| **R091-P1-C061** | The anchor is not the date of a supervisory letter, acquisition, last receipt, or the end of the tax year. A decline in present receipts does not by itself establish immediate loss of status; the historical measurement and continuation provisions both matter. | S001 §§.102,.105(a); textual comparison. |\n| **R091-P1-C062** | Supervision includes the Bureau’s exercise or intended exercise of §5514 authority, including initiating/undertaking an examination or requiring a report. “Supervision Director” includes designated Bureau employees, and the Bureau Director may perform those functions. | S001 §.101, Supervision and Supervision Director. |\n| **R091-P1-C063** | If a person **receives a written communication initiating §5514 supervisory activity**, it may assert that it does not meet the larger-participant definition **within45 days of the date of the communication**. Receipt triggers availability of this route, but the expressed period is measured from the communication’s date. | S001 §.103(a). |\n| **R091-P1-C064** | That response must be electronically transmitted to the Supervision Director at the address in the communication and must include an **affidavit explaining the basis** for the asserted absence of larger-participant status and resulting assertion of no §5514 supervision under this route. | S001 §.103(a). |\n| **R091-P1-C065** | Supporting records/documents/information **may** accompany the response. Nevertheless, subsection(b) deems the person to have waived reliance, when disputing larger-participant status, on an argument or material not submitted under(a). The optional-attachment wording must be read with that consequence. | S001 §.103(a)–(b). |\n| **R091-P1-C066** | Failure to respond within the stated45-day period results in a **deemed acknowledgment of larger-participant status**, subject to the timeframe-modification authority in(e). It is not a statutory admission that a debt is valid or that misconduct occurred. | S001 §.103(b),(e); scope of §.100. |\n| **R091-P1-C067** | The Supervision Director **shall review** the affidavit, attached material, and any other information deemed relevant, then send an electronic statement explaining whether the person meets the larger-participant definition. | S001 §.103(c). |\n| **R091-P1-C068** | At any time, including before the initiating communication, the Supervision Director **may require** records, documents, and information considered appropriate to assess status. The recipient **must provide** the requested material within the period specified in the request. | S001 §.103(d). |\n| **R091-P1-C069** | The Supervision Director **may**, in discretion, modify **any timeframe prescribed by §.103**, on the official’s own initiative **or for good cause shown**. An extension is not automatic. | S001 §.103(e). |\n| **R091-P1-C070** | Section.103 itself does not specify calendar-versus-business-day counting, a deemed-receipt rule, a fixed decision deadline, a formal hearing, a stated evidentiary burden such as preponderance, a separate administrative appeal, or an automatic stay. No such procedure or consequence is inferred here. | S001, complete §.103(a)–(e). |\n| **R091-P1-C071** | The 2012 preamble’s footnote45 describes the waiver as relating to the particular year at issue and contemplates a later dispute when receipts decline and a later supervisory initiation occurs outside the two-year continuation period. This is attributed agency explanation, not additional codified language or a judicial holding. | S012, P42882/I8, footnote45 and surrounding §.103 analysis; S001 §§.102–.103. |\n\nThe procedure is an assessment of **larger-participant status**, not a consumer debt-dispute process, a licensing application, a public certification service, or a determination that a particular collection practice is lawful. [C013, C063–C071, C092–C095] [ecfr.gov+1](https://www.ecfr.gov/current/title-12/chapter-X/part-1090?utm_source=chatgpt.com)\n\n### F. Supervision authority, confidentiality, and limits of legal effect\n\n| Claim ID | Supported rule and limits | Exact authority and source |\n| --- | --- | --- |\n| **R091-P1-C072** | Section5514(b)(1) directs periodic reports/examinations to assess compliance with Federal consumer financial law, obtain activity/compliance-system information, and detect/assess consumer and market risks. It does not pronounce an actual compliance result. | S002 §5514(b)(1)(A)–(C). |\n| **R091-P1-C073** | Supervision is risk based, considering applicable asset size, transaction volume, consumer risks, State oversight, and other relevant factors. “Periodic” does not establish a universal examination frequency for every larger participant. | S002 §5514(b)(1)–(2). |\n| **R091-P1-C074** | The Bureau must coordinate with specified regulators and State agencies, use existing agency/public reports to the fullest extent possible, and retains authority to require information owned or controlled by the covered person even if another person stores/processes it. | S002 §5514(b)(3)–(5). |\n| **R091-P1-C075** | The statute requires transmission to the IRS Commissioner of examination material identifying **possible** tax-law noncompliance. This is not a tax assessment or a finding that any person owes tax. | S002 §5514(b)(6). |\n| **R091-P1-C076** | The Bureau must prescribe rules facilitating supervision and may require records or prescribe obligation-related requirements, potentially including background checks or bonding. This authorization is not proof that a named actor was checked, bonded, approved, or found legitimate. | S002 §5514(b)(7)(A)–(D). |\n| **R091-P1-C077** | Separate statutory authority permits registration rules, excluding the stated insured-depository, insured-credit-union, and related-person categories, and permits public registration disclosures subject to such rules. Part1090 status itself is not a registration entry. The full registration regime and nested related-person application are held. | S004 §5512(c)(7)(A)–(C); S003 §5481(25); S001 selected body. |\n| **R091-P1-C078** | Section5514 has other supervisory routes besides larger-participant rules: specified real-estate-loan activities; a risk-based order after notice and reasonable opportunity to respond; specified private-education-loan activity subject to its cross-references; and payday loans. Failure of this one market test is not universal immunity. No other route is classified here. | S002 §5514(a)(1)(A)–(E),(a)(3). |\n| **R091-P1-C079** | The enforcement and rulemaking/examination exclusivity clauses are conditional, including express §5581 exceptions. The FTC coordination clause includes notice where feasible, a pending-action restriction, intervention rights, and permission for agreement terms to modify/supersede that restriction. The complete transferred-authority and enforcement regimes were not traced; no universal exclusivity claim follows. | S002 §5514(c)(1)–(3),(d); S008 §5517(p). |\n| **R091-P1-C080** | Section5514(e) applies a bank-service relationship analogy to service providers and requires coordination with the appropriate prudential regulator where applicable. Incorporated §1867(c) concerns authorized bank services performed by contract or otherwise for the specified examined institutions/affiliates, permits examination as if performed on bank premises, and contains a depository-institution notice clause. Its **30-day** notice is not imported here as a general Part1090 challenge period or a proven nonbank filing duty. | S002 §5514(e); S007 complete §1867(c)(1)–(2). |\n| **R091-P1-C081** | Section5514(f) preserves Farm Credit Administration authority. It does not itself classify an actor or complete that separate statutory regime. | S002 §5514(f). |\n| **R091-P1-C082** | The practice-of-law limit applies to the specified State-licensed legal activity, but §5517(e)(2) preserves authority over qualifying consumer-financial-product/service offerings outside the stated exclusive attorney-client practice context, **or** to consumers not receiving connected legal advice/services. Paragraph(e)(3) preserves enumerated/transferred-law authority; (n) preserves specified service-provider/information possibilities. A lawyer label is not universal immunity. | S008 §5517(e)(1)–(3),(n); S003 §5481(5). |\n| **R091-P1-C083** | Confidential supervisory information includes specified examination/report material and derivatives, supervisory records, related supervisory communications, specified information furnished for risk or jurisdiction assessment, and information within the stated FOIA-exemption reference. “Confidential information” excludes Bureau-authorized public disclosure and otherwise remains confidential when held by a third party. The questionable citation in(i)(4) is preserved in C090. | S020 §1070.2(f),(i)(1)–(5),(l),(q). |\n| **R091-P1-C084** | Section1070.41(a) restricts disclosure by current/former Bureau personnel, contractors/consultants, and other holders, **except as required by law or provided in Part1070**; internal access is also limited by relevance to assigned duties. This is not an absolute nondisclosure promise. | S020 §1070.41(a)(1)–(2). |\n| **R091-P1-C085** | Bureau contractors/consultants must comply with the stated confidentiality/security requirements and additional Bureau conditions; receipt of confidential information requires the specified written certification. This is a confidentiality condition, not a professional license or provider endorsement. | S020 §1070.41(b). |\n| **R091-P1-C086** | The Bureau may disclose derived materials in its discretion to the extent they do not directly or indirectly identify a person to whom the confidential information pertains. | S020 §1070.41(c). |\n| **R091-P1-C087** | Where practicable, the Bureau may, in discretion and consistent with applicable law, disclose identifying confidential information upon obtaining the specified persons’ prior consent. No actual consent or disclosure decision is supplied. | S020 §1070.41(d). |\n| **R091-P1-C088** | Section1070.41 does not require or authorize disclosure of another agency’s confidential information, received directly or through a holder, to the extent disclosure would contravene applicable law or the governing interagency agreement. | S020 §1070.41(e). |\n| **R091-P1-C089** | SubpartD does not govern requests for official information made under SubpartsB, C, orE. Full public-access, disclosure-exception, privilege, and request procedures remain outside this pass. | S020 complete §1070.40; §1070.41(a)’s exceptions. |\n| **R091-P1-C090** | Both the current §1070.2(i)(4) and the examined 2020 adopted text print **“12 U.S.C. 5414(b)(1)(C)”**. Section5514(b)(1)(C) separately contains the relevant risk-assessment language. The apparent numerical mismatch is recorded, not judicially or editorially repaired here. | S020 §1070.2(i)(4); S021 P75217/I23; S002 §5514(b)(1)(C). |\n| **R091-P1-C091** | Section5512(c)(6) mandates confidentiality rules and provides conditional interagency access to examination reports, including reasonable confidentiality assurances and jurisdiction predicates. It does not grant the public unconditional access to supervisory records. | S004 §5512(c)(6)(A)–(C), read with(c)(8)–(9); S020. |\n| **R091-P1-C092** | Meeting the regulatory definition, receiving an agency status determination, and actually undergoing a current examination are distinct matters. A public legal criterion proves none of the missing organization-specific events. | S001 §§.100–.103; S002 §5514(b)(1)–(2); bounded inference. |\n| **R091-P1-C093** | Larger-participant status does not itself establish licensing, current registration, verified identity, ownership, lawful practices, quality, solvency, or government endorsement. Separate statutory powers to impose requirements do not prove their exercise or satisfaction. | S001; S002 §5514(b)(7); S004 §5512(c)(7); bounded inference. |\n| **R091-P1-C094** | The selected provisions supply no basis here to declare a private cause of action, penalty amount, damages, refund, cancellation, discharge, invalid contract, collection defense, or actual recovery. Those propositions require separate complete authority and predicates. | S001 selected body; S002 §5514(c); explicit limits of this investigation. |\n| **R091-P1-C095** | Federal market classification does not complete State, tribal, territorial, foreign, licensing, debt-validity, FDCPA, litigation, or provider-profile analysis. An exclusion from this test is not a conclusion about all other laws. | S002 §5514(a),(c)–(f); S008; S001’s bounded purpose. |\n| **R091-P1-C096** | Currentness is qualified by the eCFR/statutory cutoffs, unsuccessful original-correction access, the two stated cross-reference discrepancies, incomplete tax-return incorporations, and absence of a judicial/later-law certification. No failure is treated as repeal, legal absence, or proof that no later development exists. | S001–S021 and the read/failure log below. |\n\nThe limited confidentiality inquiry answers why the selected procedure cannot be treated as a public provider directory. It does not establish a right to obtain or disclose any actual supervisory material. [uscode.house.gov+6](https://uscode.house.gov/us/usc/119-124/t12/s5514/?utm_source=chatgpt.com)\n\n## 3. Provision-specific comparisons\n\n| Comparison | Supported distinction and consequential limit | Claims and exact sources |\n| --- | --- | --- |\n| **Debt-collection market / every creditor** | Creditor status and debt-collector status have distinct definitions. The market also requires consumer-purpose debt and a consumer-financial-product/service relationship. | C032–C035; S001 §.105(a). |\n| **Debt purchase / source-defined collection** | Purchase or ownership is not a substitute for the collection predicates. The principal-purpose branch and other-owed-debt branch must be kept separate. | C025, C034, C040; S003 §5481(15)(A)(i); S001 §.105(a). |\n| **Servicing / covered collection** | The exclusion turns on origination or nondefault status **when obtained**, to the stated extent. A servicing label does not resolve that condition. | C038; S001 Debt collector(iii); S013 P65782/I7. |\n| **Statutory affiliate / aggregated affiliated company / related collector** | The statutory affiliate definition, Part1090 company/control definition, and related-party collector exclusion perform different functions and have different predicates. | C019–C023, C036, C052; S001 §§.101,.105; S003 §5481(1). |\n| **Individual entity / affiliate aggregation** | Separate receipts computations are combined; current legal separation does not override whole-period acquisition or former-affiliate rules. | C052–C055; S001 Annual receipts(iii)(A)–(D). |\n| **Receipts / assets** | The selected market threshold uses receipts. The separate insured-institution exclusions use an asset boundary. The bases cannot be substituted. | C017, C043–C058; S005; S001. |\n| **Receipts / portfolio balance / profit** | The receipt base is the prescribed income-plus-COGS measure with exclusions, market attribution, and aggregation. Neither nominal debt balance nor net profit is designated as the §.105 threshold base. | C043–C059; S001 Annual receipts and(b). |\n| **Collections for another / earned fees** | Pass-through amounts collected for another are excluded, while earned collection fees remain included. | C046; S001 Annual receipts(i). |\n| **Historical measurement / current business activity** | The rule uses completed fiscal periods or whole-period annualization. It does not prescribe a universal current-calendar-year snapshot for this market. | C042, C049–C055, C059; S001. |\n| **Threshold boundary / continuing status** | “More than” is strict. A current result at or below the boundary does not alone extinguish status retained under §.102. | C058–C061; S001 §§.102,.105(b). |\n| **Medical-receipts exclusion / all-law exemption** | The express exclusion concerns receipts from debt originally owed to a medical provider. It does not adjudicate debt validity or every supervisory/enforcement route. | C056, C078, C095; S001; S002 §5514(a). |\n| **Status procedure / present examination** | Section.103 supplies a status-assessment process following the specified communication and permits pre-initiation information requests. No actual communication, determination, or examination is established. | C062–C070, C092; S001 §.103. |\n| **Supervision / registration or license** | Statutory supervision and separate registration-rule authority are not a single status. No registration, professional license, or certification follows from the definition. | C013, C072–C077, C093; S001; S002; S004. |\n| **Agency determination / compliance** | Determining that a person falls within the category concerns supervisory coverage; supervision’s purposes include assessing compliance. The classification itself is not the compliance result. | C067, C072, C092–C093; S001 §.103(c); S002 §5514(b)(1). |\n| **Approval or listing / endorsement** | The selected rule creates no provider-endorsement mechanism. Statutory authority to prescribe legitimacy-related requirements is not proof of approval or satisfaction. | C076–C077, C093; S002 §5514(b)(7); S004 §5512(c)(7). |\n| **Preamble / adopted regulation** | Preambles explain apportionment and procedure, but current adopted wording controls the reported rule. Proposals and agenda milestones do not amend it. | C009–C010, C057, C071; S012–S018; S001. |\n| **Federal criterion / other-law jurisdiction** | This criterion does not complete other federal exemptions, State licensing, tribal or territorial law, foreign law, or debt merits. | C079–C082, C095; S002, S008. |\n| **Public-source authentication / provider profile** | Authentication establishes the legal source and its limits. It does not verify any actor’s identity, finances, ownership, status, practices, or suitability. | C092–C096; S001–S021. |\n\n## 4. Complete measurement register for quantities relied on\n\nThis register reports legal measures and source-status dates, **not application results**. No actual amount, due date, fiscal period, or organizational score has been calculated.\n\n### A. Operative measures and procedural periods\n\n| Measurement ID | Source-stated measure, actor/base, and boundary | Trigger, cumulative conditions, exceptions, and counting limits | Authority |\n| --- | --- | --- | --- |\n| **R091-P1-M001** | **More than $10 million**; nonbank covered person’s defined annual receipts from consumer debt collection; strict **>**, not ≥. | Requires the complete market, receipt, period, and affiliate predicates. Equality does not satisfy this test, but §.102/other authority remains separate. Dollars are the rule’s dollar-denominated measure; no inflation update or rounding rule supplied. | C032–C058; S001 §.105(a)–(b). |\n| **R091-P1-M002** | **25 percent or more** of **any class** of voting securities/similar ownership interest; inclusive boundary. | Direct, indirect, or through one or more persons; only one alternative control route. No actual class, voting power, or ownership established. | C021; S001 §.101, Affiliated company(2)(i). |\n| **R091-P1-M003** | **Majority** of directors, trustees, members, or general partners elected under the person’s control. | Alternative to percentage ownership and controlling influence. The rule’s word “majority” is retained; no invented board or seat count. | C022–C023; S001 §.101(2)(ii)–(iii). |\n| **R091-P1-M004** | Fiscal year: **12 consecutive months**, ending on a month’s last day **except December31**. | IRS-attributed definition recited in the rule. Actual tax/accounting period absent. | C042; S001 §.101, Completed fiscal year(1); S019. |\n| **R091-P1-M005** | Calendar year: **12 consecutive months ending December31**. | Distinct from an automatic debt-collection measurement date. | C042, C059; S001 §.101(2). |\n| **R091-P1-M006** | Short tax year: **less than12 months**. | It is a completed fiscal year for this rule, but is not an annual accounting period under the recited definition. | C042; S001 §.101(3)–(4). |\n| **R091-P1-M007** | **Three or more completed fiscal years** in business; receipts over the **three most recently completed fiscal years ÷3**. | Inclusive category boundary at three completed years. Subject to the short-year branch. Not automatically three calendar years. | C049; S001 Annual receipts(ii)(A),(C). |\n| **R091-P1-M008** | **Less than three completed fiscal years**; entire-business-period receipts **÷weeks in business ×52**. | Strict category boundary. Dollar receipts divided by weeks and multiplied by the source’s annualization factor. Partial-week/zero-denominator/rounding conventions not established. | C050, C059; S001 Annual receipts(ii)(B). |\n| **R091-P1-M009** | At least three completed years, with **one short year plus two full fiscal/calendar years**; total receipts **÷total weeks ×52**. | Specific short-year condition. Multiple-short-year edge cases and detailed week counting remain unresolved. | C051, C059; S001 Annual receipts(ii)(C). |\n| **R091-P1-M010** | Add the person’s measure and **each affiliated company’s** separately calculated annual receipts. | No uniform group fiscal period is required by the text; insured-institution exclusions and market attribution apply. No intercompany-accounting elimination convention independently established. | C020, C052, C054, C057; S001 Annual receipts(iii)(A),(C). |\n| **R091-P1-M011** | Acquisition affiliation **during** a measurement period: **entire-period** aggregation. | Not prorated to time after acquisition. Exact event and measurement periods absent. | C053; S001 Annual receipts(iii)(B). |\n| **R091-P1-M012** | Former affiliation ending **before** the period: exclusion; ending **during** it: **entire-period** aggregation. | The distinction is event-relative, not merely “currently affiliated/not affiliated.” | C055; S001 Annual receipts(iii)(D). |\n| **R091-P1-M013** | Status continues until **two years from the first day of the tax year** in which the person last met the applicable test. | Anchor is the first day of that tax year; no actual tax year or last qualifying event supplied. Not two years from a letter or acquisition. | C060–C061; S001 §.102. |\n| **R091-P1-M014** | **Within45 days of the date of the communication** for the §.103(a) response; nonresponse consequence in(b). | Requires receipt of the specified written initiating communication. Electronic response and affidavit conditions apply. Section(e) permits discretionary modification. Calendar/business-day and receipt conventions not specified here. | C063–C066, C069–C070; S001 §.103(a),(b),(e). |\n| **R091-P1-M015** | Information-request response: **within the period specified in the request**. | Request may precede initiation; no universal numeric period. Discretionary modification under(e) remains relevant. | C068–C069; S001 §.103(d)–(e). |\n| **R091-P1-M016** | Review occurs and statement follows **“thereafter”**; no numeric decision deadline in §.103(c). | No invented turnaround period, automatic stay, or deemed favorable outcome. | C067, C070; S001 §.103(c). |\n| **R091-P1-M017** | **More than $10 billion in assets** under §5515(a); **$10 billion or less** under §5516(a). | Different institutional exclusion bases; §5515(a) expressly includes affiliates. Not the §.105 receipts threshold. | C017; S005. |\n| **R091-P1-M018** | Examinations/reports on a **periodic** basis. | Risk-based factors apply; no nationally fixed examination interval is stated. | C072–C073; S002 §5514(b)(1)–(2). |\n| **R091-P1-M019** | Incorporated bank-service notice: **30 days after the earlier of contract formation or performance**. | §1867(c)(2) addresses the specified depository institution’s notice concerning authorized services under that chapter. This is not asserted as a general nonbank Part1090 notice duty. | C080; S007 §1867(c). |\n| **R091-P1-M020** | IRS publication discusses a **52–53-week tax year** as an accounting-period category. | Instructional context only; no assumption that a particular actor uses it or that unresolved Part1090 week-count conventions are thereby settled. | C042, C048–C059; S019 selected heading. |\n\n### B. Historical application, publication, and currency measures\n\n| Measurement ID | Quantity/date and legal role | Conditions and limits | Authority |\n| --- | --- | --- | --- |\n| **R091-P1-M021** | **July21,2010** enactment; default effectiveness **one day after enactment** under §4. | Express exceptions control. §§1022 and1024 instead take effect on enactment under §1029A. | C011; S009 §§4,1029A. |\n| **R091-P1-M022** | **July21,2011** designated transfer date; notice published **September20,2010**. | Historical statutory transfer date, not an organization’s compliance or response date. | C011; S011. |\n| **R091-P1-M023** | Initial larger-participant rule: **not later than one year after the designated transfer date**. | Duty on the Bureau to issue its initial rule after FTC consultation; not a recurring business deadline. | C013; S002 §5514(a)(2). |\n| **R091-P1-M024** | Bureau/FTC coordination agreement: **not later than six months after the designated transfer date**. | Historical agency-agreement duty; no agreement’s actual terms or current operation investigated. | C079; S002 §5514(c)(3)(D). |\n| **R091-P1-M025** | Historical transfer designation authority: designation within **60 days** after enactment; ordinarily no earlier than **180 days** and no later than **12 months** after enactment; extended date cannot exceed **18 months**. | §1062 requires consultation/publication; extension beyond12 months requires the specified written determination, explanation, and implementation description to Congress. No calendar computation supplied. | S009, complete §1062(a)–(c), P2039–2040/I664–665. |\n| **R091-P1-M026** | General rule: published **July20,2012**, effective **September30,2012**. | Historical adoption of selected general provisions; later officer amendment separately applied. | C004; S012. |\n| **R091-P1-M027** | Debt-collection rule: published **October31,2012**, effective **January2,2013**. | Adopted date clause and IV.B read. Proposed/comment-requested alternatives are not present duties. | C005; S013. |\n| **R091-P1-M028** | Correction: published **December7,2012**, states effective **January2,2013**. | Earlier readable rendition; original PDF remains unavailable. Four correcting instructions are historical amendment operations, not four business obligations. | C006, C010; S014. |\n| **R091-P1-M029** | Statutory amendment approved **September26,2014**. | No separate delayed date in the complete read Act; do not infer any actual agency action that day. | C012; S010. |\n| **R091-P1-M030** | Amendment published **June30,2015**, effective **August31,2015**. | Selected §.101 and former-affiliate amendments only. | C007; S015. |\n| **R091-P1-M031** | Confidentiality amendment published **November24,2020**, effective **December24,2020**. | Selected adopted definitions and §§.40–.41 only. | C083–C091; S021. |\n| **R091-P1-M032** | Procedural-officer amendment published/effective **November29,2024**. | No new electronic-response requirement inferred from this amendment. | C008; S016. |\n| **R091-P1-M033** | Annual CFR edition **January1,2025**; IRS instruction revision **January2022**. | Edition/revision labels are not evidence of a new Part1090 effective date or a completed later-law chain. | C002, C048; S001, S019. |\n| **R091-P1-M034** | ANPRM published **August8,2025**; comments required received **on or before September22,2025**. | Historical, inclusive receipt boundary for that notice only. No comment, contact, or submission performed. No adopted threshold change. | C009; S017. |\n| **R091-P1-M035** | Agenda display **PublicationID2026**; planned **NPRM09/00/2026**. | The “00” entry is not a real day-specific deadline or proof of publication. URL parameter and display differ. | C009; S018. |\n| **R091-P1-M036** | Final eCFR cutoff **October26,2026**; Title12-wide last-amended label **October23,2026**. Earlier captures displayed **October21/22** and a Title12 amendment label **October2**. | Displayed compilation metadata changed during access. Selected bodies were reread; none of these title-wide labels alone identifies an amendment to §.105. | C002, C096; S001, S020. |\n| **R091-P1-M037** | Accessible Code cutoff **October15,2026**, PL119-124. | Not a certification through the actual research date. | C003; S002–S008. |\n| **R091-P1-M038** | Actual access **October28,2026, America/Los_Angeles**. | Research-session date only; not a publication, effective, transaction, notice, or response date. | Session access record; all source entries. |\n\nNo populated or hypothetical financial model is supplied. The regulation’s arithmetic relationships are fully stated above, but underlying tax classifications, accounting inputs, certain counting conventions, and all application facts are absent. [C048, C059]\n\n## 5. Conditional legal-category branches\n\n**Status key:** **A** = public-text rule answered within the stated source bounds; **P** = partial because a specified authority/currentness issue remains; **H** = application or broader consequence held. Every branch remains **H for any actual organization or event**.\n\n| Branch | Supported conditional rule and exact links | Missing authority or predicate | Adverse inference to avoid | Next permissible generic public-law inquiry |\n| --- | --- | --- | --- | --- |\n| **B001 — Current version unknown (P)** | Use the accessed §.105 body with its recorded cutoff; an agenda entry does not replace it. C001–C003,C009,C096; S001,S017–S018. | Post-cutoff adopted-law/status chain. | “A current-looking page certifies all later law.” | Check later official Federal Register adopted instruments specifically amending §§.100–.103 or .105. |\n| **B002 — Official original unavailable (P)** | Failed correction-PDF access leaves original authentication incomplete despite earlier readable government rendition. C006,C010,C096; S014. | Original correction publication body in readable official PDF/issue format. | Failure means repeal or absence. | Reopen the original publication through an ordinary accessible official publication route. |\n| **B003 — Nonbank covered-person category unknown (A/H)** | Offering/providing a consumer financial product/service, or qualifying affiliate service provision, is required subject to exclusions. C016–C018; S001 §.101; S003,S005. | Product/service and institutional category. | Every collector label establishes nonbank coverage. | Re-read the complete applicable §5481 definition and §§5515(a)/5516(a) boundary. |\n| **B004 — Person category (A/H)** | The definition extends beyond corporations to the listed legal forms. C014; S001 §.101; S003(19). | Legal category only; no actor supplied. | Only incorporated firms can fall within the rule. | Examine whether a disputed generic legal form fits the published Person definition. |\n| **B005 — Consumer relationship (A/H)** | The consumer category includes an individual’s agent/trustee/representative. C015; S001; S003(4). | Consumer and representative-role predicates. | A representative label proves authority or makes every obligation consumer debt. | Read the definition’s relationship to §.105’s debt-purpose condition. |\n| **B006 — Financial-product/service connection (A/P)** | The two statutory/regulatory routes and material exclusions must be satisfied. C024–C031; S001 §.101; S003(5),(15). | Applicable product category; unresolved nested sector rules. | Every bill or receivable is a consumer financial product/service. | Read only the complete generic public incorporation for the identified legal category. |\n| **B007 — Consumer purpose unknown (A/H)** | Debt must have been incurred primarily for personal, family, or household purposes and relate to a qualifying product/service. C032; S001 §.105(a). | Purpose and product relationship. | An individual obligor automatically means consumer-purpose debt. | Examine official generic interpretation of the precise purpose phrase, without records. |\n| **B008 — Creditor classification (A/H)** | The defaulted-transfer-for-another exception qualifies the creditor definition. C033; S001 Creditor. | Origination/ownership/assignment purpose and default category. | Being owed an obligation always settles the creditor/collector distinction. | Read the complete definition beside the collector alternatives. |\n| **B009 — Principal-purpose route (A/P)** | Interstate-commerce/mail use in a principal-purpose collection business is one route. C034,C041; S001 Debt collector. | Principal-purpose meaning/application. | Ownership of debt automatically defeats this route. | Seek a narrowly scoped official generic interpretation of that phrase; hold judicial merits. |\n| **B010 — Regular collection for another (A/P)** | The alternative includes attempts and asserted debts, direct or indirect, subject to exclusions. C034,C038; S001. | Regularity, activity, other-person relationship. | A collection attempt proves a valid debt or actual liability. | Read the full generic definition and its activity-qualified exceptions. |\n| **B011 — Alternate-name creditor (A/H)** | Different-name own-debt collection indicating a third collector invokes the express inclusion. C035; S001. | All representation and activity predicates. | Every creditor is included, or every creditor is excluded. | Examine the complete statutory-category wording without testing communications. |\n| **B012 — Related collector exception (A/H)** | Relationship, exclusive collection for related persons, and noncollection principal business are cumulative. C036; S001 Debt collector(i). | Each cumulative predicate. | Common ownership alone establishes the exclusion. | Compare this exception with §.101’s aggregation definition. |\n| **B013 — Nonprofit exception (A/H)** | Nonprofit status, consumer request, bona fide counseling, and receipt/distribution assistance are required. C037; S001 Debt collector(ii). | Activity and consumer-request categories. | Nonprofit status alone exempts all activity. | Read the complete exception and the separate product/service definition. |\n| **B014 — Originated debt (A/H)** | The exception applies to the specified collection activity concerning debt originated by that person. C038; S001 Debt collector(iii)(A). | Origination and activity categories. | Any later ownership is equivalent to origination. | Examine the exact scope of “originated” in available generic official interpretation. |\n| **B015 — Nondefault when obtained (A/P)** | Default status when obtained, not merely a present label, controls this exclusion. C038,C041; S001(iii)(B); S013. | Meaning of default; acquisition-time condition. | All servicing is excluded or all later-default collection included. | Read the complete official generic servicing explanation and preserve unresolved default questions. |\n| **B016 — Security-interest-only activity (A/P)** | Exclusion requires activity solely enforcing a security interest. C039; S001(iv). | Whether additional collection activity exists; legal boundaries held. | Any secured obligation creates a blanket exclusion. | Seek only generic public clarification of the word “solely”; no instrument review. |\n| **B017 — Debt buyer/owner category (A/P)** | Apply the actual definition and exclusions; ownership alone is not dispositive. C025,C034,C040; S001,S003. | Defined activity and acquisition/default predicates. | Buyer label proves either coverage or immunity. | Compare complete principal-purpose and other-owed-debt clauses without case research. |\n| **B018 — Affiliated company (A/H)** | Use the company/control definition and insured-institution exclusions. C019–C023; S001 §.101. | Legal form and control category. | Statutory affiliate, “related person,” and aggregated company are interchangeable. | Read each distinct definition and its assigned function. |\n| **B019 — Ownership below percentage route (A/H)** | Failure of the25-percent route does not settle election-control or influence routes. C021–C023; S001. | Alternative control predicates. | Less than25 percent proves no affiliation. | Examine the complete three-alternative control definition. |\n| **B020 — Institutional exclusion (A/P)** | §§5515(a)/5516(a) differ in asset boundary and affiliate wording. C017–C018; S005–S006. | Insured category and exact statutory relationship. | All bank-related affiliates are automatically treated alike. | Trace only the indispensable institutional-definition clause; hold full banking law. |\n| **B021 — Receipt base unknown (P)** | Use prescribed income/gross-income plus COGS, not a chosen business metric. C043,C048; S001,S019. | Complete applicable IRS classification/instructions. | Revenue, cash recovery, profit, and assets are interchangeable. | Read the complete necessary public IRS income/COGS instructions for the legal return category. |\n| **B022 — Pass-through and fee distinction (A/P)** | Collected-for-another amounts are excluded; earned collection fees remain included. C046; S001(i). | Classification of receipt categories. | Exclude all collected cash, or count all gross collections uniformly. | Examine generic official treatment of the two receipt categories, not actual books. |\n| **B023 — Tax/capital/cost exclusions (A/P)** | Apply each express exclusion and inclusion separately. C044–C047; S001(i). | Tax incidence, remittance, income inclusion, and cost categories. | All expenses or taxes can be subtracted. | Read the precise rule and necessary IRS definitions for the unresolved category. |\n| **B024 — Medical-origin receipts (A/P)** | Exclude receipts from debt originally owed to a medical provider. C056,C041; S001(iii)(E). | Original-obligee legal category and term meaning. | All medical-associated activity is outside every law. | Seek generic official interpretation of the receipts exclusion only. |\n| **B025 — Market apportionment (A/P)** | Count receipts attributable to defined consumer debt collection for person and affiliates. C057; S001(b); S013 P65790. | Attribution category and accounting authority. | All business revenue necessarily belongs in this market. | Read the complete apportionment explanation and any later adopted clarification. |\n| **B026 — Three-year branch (A/H)** | At least three completed years ordinarily invokes the three-most-recent-years average, subject to short-year treatment. C042,C049,C051; S001. | Completed-year category. | Three completed tax years always means three calendar years. | Compare §.101’s definitions with all paragraph(ii) branches. |\n| **B027 — Younger business branch (A/P)** | Less than three completed years invokes whole-business-period receipts divided by weeks, times52. C050,C059; S001(ii)(B). | Weeks, receipt classifications, counting conventions. | Use a selected recent interval or an invented rounding rule. | Read generic official guidance on any unresolved week-count convention. |\n| **B028 — Short tax year (A/P)** | The specific short-year/two-full-year rule controls when its predicates hold. C051,C059; S001(ii)(C). | Short-year structure; multiple-short-year ambiguity. | Divide any three periods by three without examining the exception. | Seek a complete official interpretation of the unresolved short-year configuration. |\n| **B029 — Separate affiliate periods (A/P)** | Calculate separately even if periods differ, then aggregate. C052,C054; S001(iii)(A),(C). | Each legal period and citation discrepancy. | Force a consolidated uniform fiscal period without authority. | Authenticate the correction chain and paragraph(ii) cross-reference. |\n| **B030 — Acquisition during period (A/H)** | Aggregate for the whole period if the specified acquisition affiliation arose during it. C053; S001(iii)(B). | Event/period relationship. | Count only post-acquisition receipts. | Re-read the complete event-relative aggregation clause. |\n| **B031 — Former affiliate (A/H)** | Before-period cessation excludes; during-period cessation retains whole-period aggregation. C055; S001(iii)(D); S015. | Cessation’s relation to the legal period. | Current separation removes all historical receipts. | Compare the adopted2015 clause with current text. |\n| **B032 — Exact threshold equality (A/H)** | Equality does not meet “more than”; continuing status and other authority remain separate. C058,C060,C078; S001,S002. | Defined annual receipts and prior qualifying period. | Equality establishes universal absence of supervision. | Examine §.102 and §5514’s separate coverage routes. |\n| **B033 — Continuing status (A/H)** | The statutory-rule anchor is the first day of the tax year in which the applicable test was last met. C060–C061; S001 §.102. | Tax-year/last-qualifying relationship. | Two years always runs from a supervisory notice. | Read the complete duration clause and selected adoption explanation. |\n| **B034 — Written initiation absent (A/H)** | The specified received written communication opens §.103(a)’s response route. C063–C064; S001. | No communication or date supplied. | Public category research proves an examination was initiated. | Read only generic §.103 procedure and its trigger. |\n| **B035 — Affidavit/supporting material (A/H)** | Affidavit is required for the response; attachments may be included, but omitted arguments/material face the stated waiver consequence. C064–C065; S001(a)–(b). | Submission predicates absent. | Optional attachments mean omission can never matter. | Compare the complete adjacent(a),(b), and(e) clauses. |\n| **B036 — Nonresponse (A/H)** | The rule states deemed acknowledgment after failure to respond within the prescribed period, subject to modification authority. C066,C069; S001. | Actual notice/response/modification facts absent. | It admits misconduct, debt validity, or all jurisdictional questions. | Read the exact scope of the acknowledgment provision. |\n| **B037 — Director review (A/P)** | Required review includes relevant additional information and an explanatory electronic statement. C067,C070; S001(c). | No formal burden, decision deadline, or review outcome supplied. | Assume a trial, automatic reversal, or fixed turnaround. | Identify any later generic adopted procedural clarification; hold judicial remedies. |\n| **B038 — Pre-initiation information request (A/H)** | The Director may request assessment information before formal initiation; the request specifies the response period. C068–C069; S001(d)–(e). | Request and prescribed period absent. | Only an already-proven larger participant may ever receive a status-information request. | Read the complete assessment authority and applicable statutory limitations. |\n| **B039 — Extension/counting issue (A/P)** | Time modification is discretionary; no calendar/business-day or receipt convention is supplied by §.103 itself. C069–C070; S001(e). | Complete applicable counting authority. | Import another Part’s business-day definition or compute a date. | Seek a generic rule expressly governing this procedure’s time computation. |\n| **B040 — Later-year dispute (P)** | Preamble footnote45 describes later challenge possibilities after declining receipts and outside the continuation period. C071; S012 P42882. | Any controlling later adopted or judicial treatment. | Treat preamble explanation as a universal judicial remedy. | Examine only later public rulemaking clarification within scope; hold cases. |\n| **B041 — Confidentiality/publication (A/P)** | Supervisory information may be confidential under specified definitions and exceptions; no public-directory entitlement follows. C083–C091; S020–S021,S004. | Full applicable disclosure exception or access regime. | Everything is public, or nothing can ever be disclosed. | Read the narrow complete Part1070 exception if a generic disclosure question is separately scoped. |\n| **B042 — Cross-reference inconsistency (P)** | The .105 example and1070.2(i)(4) discrepancies remain visible. C010,C090; S001,S014,S020–S021. | Authentic corrective or intervening adopted instrument. | Silently substitute a preferred citation. | Search only official correction/amendment bodies for the precise clause. |\n| **B043 — Service provider (A/P)** | Material service, statutory exceptions, own-product rule, and §5514(e) analogy are distinct. C027–C029,C080; S003,S002,S007. | Nested bank-service/application authority. | Every vendor is a service provider or inherits a bank’s notice duty identically. | Complete only the indispensable public incorporation before stating an operational duty. |\n| **B044 — Professional category (A/P)** | The practice-of-law limit has activity, relationship, and preserved-authority qualifications. C082; S008(e),(n). | State-law practice boundary and enumerated-law application. | A license is blanket immunity or proof of supervision. | Read generic statutory exceptions; hold professional records and judicial classifications. |\n| **B045 — Other supervision/enforcement (A/P)** | Failing this market test does not resolve the other §5514 routes or all enforcement authority. C078–C081; S002. | Separate route’s complete predicates/incorporations. | Below-threshold status means every federal authority disappears. | Examine the particular generic statutory route only if separately scoped. |\n| **B046 — Registration/license/legitimacy (A/H)** | Definition, supervision, registration, licensing, and legitimacy requirements are distinct. C076–C077,C092–C093; S001–S004. | No registration, license, verification, or compliance evidence. | A category or listing is endorsement. | Read public implementing authority without consulting any roster or entity record. |\n| **B047 — Penalty/private remedy (H)** | No amount, private claim, cancellation, or recovery follows from the selected criterion alone. C094; S001,S002(c). | Complete substantive enforcement/remedy law. | Supervision guarantees compensation or invalidates a debt. | Identify the exact separately scoped public remedy provision before any claim. |\n| **B048 — Broader A091 profile (H)** | Public legal categories do not establish actual ownership, service, contact, hardship practice, complaints, negotiation policy, or litigation position. C092–C096. | All profile facts and other legal regimes are outside this pass. | This report authenticates or recommends a provider. | Define a separate generic methodology component; no identifying inquiry is authorized here. |\n\n## 6. Wholly blank analytical reference worksheet\n\nThis worksheet contains labels only. All authority-entry, evidence-entry, analysis, and result cells are intentionally empty.\n\n| Field label | Authority entry | Evidence entry | Analysis | Result |\n| --- | --- | --- | --- | --- |\n| Public authority |  |  |  |  |\n| Issuer and instrument |  |  |  |  |\n| Version and displayed cutoff |  |  |  |  |\n| Legal status |  |  |  |  |\n| Access and read bounds |  |  |  |  |\n| Printed page and PDF index |  |  |  |  |\n| General scope category |  |  |  |  |\n| Person or company category |  |  |  |  |\n| Consumer category |  |  |  |  |\n| Consumer financial product or service category |  |  |  |  |\n| Nonbank covered-person condition |  |  |  |  |\n| Institutional exclusion |  |  |  |  |\n| Creditor category |  |  |  |  |\n| Debt-collector alternative |  |  |  |  |\n| Activity-qualified exception |  |  |  |  |\n| Affiliate or control criterion |  |  |  |  |\n| Receipt-base definition |  |  |  |  |\n| Receipt exclusion |  |  |  |  |\n| Market attribution |  |  |  |  |\n| Accounting incorporation |  |  |  |  |\n| Completed fiscal-period category |  |  |  |  |\n| Short-period condition |  |  |  |  |\n| Quantity and unit |  |  |  |  |\n| Numerator and denominator |  |  |  |  |\n| Strict or inclusive boundary |  |  |  |  |\n| Aggregation rule |  |  |  |  |\n| Acquisition or cessation trigger |  |  |  |  |\n| Continuing-status condition |  |  |  |  |\n| Procedural actor |  |  |  |  |\n| Communication trigger |  |  |  |  |\n| Response and delivery condition |  |  |  |  |\n| Evidence or affidavit requirement |  |  |  |  |\n| Waiver or acknowledgment qualification |  |  |  |  |\n| Discretion or modification |  |  |  |  |\n| Confidentiality or publication boundary |  |  |  |  |\n| Adoption and application history |  |  |  |  |\n| Cross-reference discrepancy |  |  |  |  |\n| Source-access gap |  |  |  |  |\n| Other-law or remedy limit |  |  |  |  |\n| Missing public authority |  |  |  |  |\n| Next permissible generic inquiry |  |  |  |  |\n\n## 7. Granular question-to-claim and coverage crosswalk\n\n**Answered** means the specified public-text question was answered within the recorded bounds. **Partial** means a named authority/currentness dependency remains. **Excluded** means the user’s scope excludes the application or wider regime. No row is an actual supervision determination.\n\n| Question/material subquestion | Coverage | Findings, claims, sources, branches | Missing evidence or authority | Exact next permissible generic inquiry |\n| --- | --- | --- | --- | --- |\n| **1 — Existence, heading, complete selected body** | Answered | C001; S001; B001 | None for the accessed body. | Check only later adopted changes to the selected provisions. |\n| **1 — All nested receipt/collector definitions and exclusions** | Answered, application excluded | C032–C059; S001; B007–B032 | No activity or accounting facts. | Resolve a specific generic undefined term through official interpretation if necessary. |\n| **1 — Current operative/status chain through access date** | Partial | C002–C010,C096; S001,S012–S018; B001–B002,B042 | Post-cutoff history; original correction PDF; no judicial-status audit. | Check official later adopted instruments and original correction availability. |\n| **1 — Proposed, future, withdrawn, repealed, stayed distinctions** | Partial | C009,C096; S017–S018 | No adopted replacement authenticated; absence of a stay/repeal is not exhaustively certified. | Examine a specific later official status instrument if located; do not infer from an announcement. |\n| **2 — Genuine indispensable general sections** | Answered | C001,C013–C031,C060–C070; S001 §§.100–.103 | Other markets deliberately excluded. | Read another market only under a separate scope. |\n| **2 — Covered person, consumer, product/service, person** | Answered at definition level; partial nested regimes | C014–C031; S001,S003–S006; B003–B006 | Sector-specific incorporations and all application facts. | Complete the exact public incorporation for a disputed legal category. |\n| **2 — Debt ownership, creditor, collection and servicing** | Answered at text level; disputed edges partial | C032–C041; S001,S013; B007–B017 | Default/principal-purpose/regularity edge meanings. | Seek narrow generic official clarification; retain judicial questions. |\n| **2 — Affiliate/company/control/related-party differences** | Answered | C019–C023,C036,C052–C055; S001,S003; B018–B020 | No relationship/control facts. | Compare the distinct complete definitions without a group profile. |\n| **2 — §5514 authority and exclusions** | Answered at selected statutory level; wider regime partial | C013,C017–C018,C072–C082; S002,S005–S008 | Full §5581, other exclusions, and transferred laws. | Read the particular indispensable exception before asserting broader authority. |\n| **3 — Exact amount and equality** | Answered | C058; M001; S001(b); B032 | Defined receipt amount absent. | No calculation; complete accounting definitions first. |\n| **3 — Base, taxes, capital amounts, fees, costs** | Answered as regulatory rules; accounting partial | C043–C048; S001(i),S019; B021–B024 | Return-specific income/COGS and recognition authority. | Read complete relevant public IRS instructions. |\n| **3 — Measurement periods and annualization** | Answered as written; edge conventions partial | C042,C049–C051,C059; M004–M009; B026–B028 | Partial weeks, rounding, multiple-short-year issues. | Locate a complete official generic interpretation of the unresolved convention. |\n| **3 — Affiliate aggregation and different periods** | Answered | C052–C055; M010–M012; B029–B031 | No relationships, periods, or events. | Authenticate the precise clause and correction history; no financial entries. |\n| **3 — Medical exclusion and market apportionment** | Answered at rule level; classification partial | C056–C057; S001,S013; B024–B025 | Medical-provider/market attribution categories. | Read narrow official interpretation, not actual accounts. |\n| **3 — Populated calculation or ranking** | Excluded | C048,C059; measurement register | User prohibits invented/actual financial inputs. | No model follows from this pass. |\n| **4 — Larger-participant definition and duration** | Answered | C060–C061; S001 §§.101–.102; B033 | Last qualifying tax year absent. | Read any later adopted change to the duration rule. |\n| **4 — Measurement date and continuing interval** | Answered as written; actual date excluded | C049–C061; M007–M013 | No universal snapshot or application chronology. | Resolve only generic timing conventions; do not compute a date. |\n| **4 — Status versus examination, registration, legitimacy** | Answered distinction; actual status excluded | C072–C077,C092–C093; B046 | No actual supervisory or registration evidence. | Read public implementing authority only. |\n| **5 — Challenge actor, trigger, response and affidavit** | Answered | C062–C064; S001 §.103(a); B034–B035 | No communication, receipt, response, or delegate facts. | Re-read the complete procedure without preparing a submission. |\n| **5 — Evidence, waiver, nonresponse, outcome** | Answered as text; judicial reach partial | C065–C067,C071; S001,S012; B035–B040 | No formal stated proof standard; later judicial treatment held. | Read later generic adopted procedural clarification if any. |\n| **5 — Information demand and time modification** | Answered | C068–C070; S001(d)–(e); B038–B039 | Request-specific period and counting authority. | Find an expressly applicable generic computation provision before asserting a deadline. |\n| **5 — Confidentiality and publication boundary** | Partial, bounded inquiry completed | C083–C091; S004,S020–S021; B041–B042 | Full disclosure exceptions, FOIA/privacy/privilege regimes. | Read only the indispensable complete exception if separately scoped. |\n| **5 — Formal appeal, stay, hearing, fixed decision period** | Unresolved beyond selected text | C070–C071; S001,S012 | No such route established in §.103. | Identify separate public procedural authority without case searches. |\n| **6 — Original statute and material statutory amendment** | Answered for selected clauses | C011–C012; S009–S011 | Complete later-law history not claimed. | Check later enacted amendments to the precise clauses. |\n| **6 — Original general and debt rules** | Answered | C004–C005; S012–S013 | Whole preambles and empirical foundations not adopted. | No expansion necessary for the stated adopted rules. |\n| **6 — Correction and cross-reference chain** | Partial | C006,C010,C090; S014,S020–S021; B002,B042 | Unavailable correction original; unexplained current reference difference. | Authenticate official correcting text and any intervening amendment. |\n| **6 — 2015 and2024 amendments** | Answered | C007–C008; S015–S016 | No actual implementation evidence. | Check later amendments only to selected clauses. |\n| **6 — Later reconsideration/proposal and agenda** | Answered as status; complete later chain partial | C009,C096; S017–S018 | Agenda is not publication; no exhaustive post-cutoff certification. | Open any actual later NPRM/final rule before assigning legal effect. |\n| **6 — Sunset/repeal/stay** | Partial | C009,C096; S001,S017–S018 | No automatic sunset in selected text; full judicial/status review held. | Examine a specific official later instrument if it exists in accessible public sources. |\n| **7 — Supervision/reporting/risk-based limits** | Answered | C072–C076; S002(b); B045 | No actual examination or compliance result. | Separate any additional generic statutory route. |\n| **7 — Other authority, exclusivity and service providers** | Partial | C078–C082; S002,S007–S008 | Full §5581/bank-service/enumerated-law incorporations. | Complete the indispensable clause before expanding an authority claim. |\n| **7 — Licensing, prohibited conduct, private remedy, penalties** | Excluded beyond necessary distinction | C077,C092–C095; B046–B047 | Separate substantive law and all facts. | Identify an exact separately scoped public provision; no amount or remedy inferred. |\n| **8 — All requested comparisons** | Answered within bounds | Comparison table; C013–C095 | Actual provider/profile evidence excluded. | Separate any future generic methodology question from identifying research. |\n| **8 — Other jurisdictions and remaining A091 work** | Excluded with reason | C095; B048 | Outside authorized federal criterion. | No named-company or jurisdiction-specific investigation in this pass. |\n| **9 — Complete relied-on quantities and dates** | Answered | M001–M038 | Actual values/calendars absent; specified conventions unresolved. | Resolve only missing public conventions, without supplying inputs. |\n| **9 — Numerical illustration/model** | Excluded as unnecessary | C048,C059; M007–M009 | Tax accounting and actual inputs not established. | Preserve qualitative branches. |\n| **10 — At least24 substantive branches** | Answered | B001–B048 | Each row states its specific gap. | Follow only its generic public-law inquiry, if separately needed. |\n| **10 — Wholly blank worksheet** | Answered | Section6 | No fields populated. | No intake, certification, profile, or operational use is established. |\n\n## 8. Source-read and failure log\n\n### Completed and bounded reads\n\n| Read group | What was actually read | Limit retained |\n| --- | --- | --- |\n| **S001** | Complete current §§1090.100–.103 and .105, including authority and source notes; corresponding selected2025 annual-CFR bodies. Final current body reread after the banner refreshed to10/26. | Other markets not investigated; annual edition is historical; eCFR is not the official legal edition. |\n| **S002** | Complete §5514(a)–(f) and material notes. | Incorporated regimes not automatically completed. |\n| **S003–S008** | Complete selected definitions, institutional exclusions, rulemaking/confidentiality/registration clauses, service-provider incorporation, and selected authority limitations identified in the register. | No complete TitleX, FDIA, credit-union, bank-service, attorney-practice, or enforcement dossier. |\n| **S009–S011** | Complete selected enacted/effective clauses, complete2014 Act, and operative transfer-date designation. | Not the entire Dodd-Frank Act or every historical amendment. |\n| **S012–S013** | Complete relevant adopted general/debt provisions and date clauses; bounded complete explanatory sections. | Underlying empirical sources, named comments, and cited opinions were not investigated. |\n| **S014** | Earlier successful complete correction rendition, including all four instructions. | Official original PDF authentication failed; later rendition access reached a security gate. |\n| **S015–S016** | Complete relevant adopted amendatory instructions and date clauses. | Other markets and other amended procedural Parts excluded. |\n| **S017–S018** | Complete later debt-collection ANPRM body and substantive agenda entry. | No empirical market findings adopted; no proposal treated as law; no participant/contact investigation. |\n| **S019** | Selected complete accounting-period instruction headings. | No whole-publication or tax-return-definition claim. |\n| **S020–S021** | Complete current selected confidentiality sections and corresponding selected2020 adopted text/date clause. | Full disclosure exceptions and privacy/access procedures remain held. |\n\n### Failed or limited endpoints\n\n| Endpoint or source issue | Observed result | Evidentiary consequence |\n| --- | --- | --- |\n| [https://www.ecfr.gov/current/title-12/chapter-X/part-1090/section-1090.105](https://www.ecfr.gov/current/title-12/chapter-X/part-1090/section-1090.105) | The attempted path without SubpartB did not provide the body. | Correct ordinary section path and complete main-Part body succeeded; no absence inference. |\n| [https://www.ecfr.gov/current/title-12/chapter-X/part-1090/subpart-A](https://www.ecfr.gov/current/title-12/chapter-X/part-1090/subpart-A) | Access attempt returned a rate/access error. | Complete general sections were read through the main Part page and annual CFR; no workaround. |\n| [https://www.consumerfinance.gov/rules-policy/regulations/1090/](https://www.consumerfinance.gov/rules-policy/regulations/1090/) | Did not yield the selected current body. | Not relied on as operative text. |\n| [https://www.govinfo.gov/content/pkg/CFR-2026-title12-vol9/pdf/CFR-2026-title12-vol9-part1090.pdf](https://www.govinfo.gov/content/pkg/CFR-2026-title12-vol9/pdf/CFR-2026-title12-vol9-part1090.pdf) | Attempted2026 annual-edition URL unavailable. | No2026 annual-edition reading claimed;2025 edition explicitly historical. |\n| [https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title12-section5514&num=0&edition=prelim](https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title12-section5514&num=0&edition=prelim) | Preliminary endpoint attempts failed; final retry returned404. | Readable dated OLRC release used, with its10/15 cutoff preserved. |\n| [https://uscode.house.gov/us/usc/119-134/t12/s5514/](https://uscode.house.gov/us/usc/119-134/t12/s5514/) and [https://uscode.house.gov/us/usc/119-134/t12/s5481/](https://uscode.house.gov/us/usc/119-134/t12/s5481/) | Attempted later-release paths failed to supply bodies. | Their contents were not guessed; failure does not establish absence of later law. |\n| [https://www.govinfo.gov/content/pkg/FR-2012-12-07/pdf/2012-29438.pdf](https://www.govinfo.gov/content/pkg/FR-2012-12-07/pdf/2012-29438.pdf) | Original correction PDF repeatedly unavailable through ordinary retrieval. | Original-publication gap retained. |\n| [https://www.govinfo.gov/content/pkg/FR-2012-12-07/html/2012-29438.htm](https://www.govinfo.gov/content/pkg/FR-2012-12-07/html/2012-29438.htm); [https://www.govinfo.gov/app/details/FR-2012-12-07/2012-29438](https://www.govinfo.gov/app/details/FR-2012-12-07/2012-29438); [https://www.gpo.gov/fdsys/pkg/FR-2012-12-07/pdf/2012-29438.pdf](https://www.gpo.gov/fdsys/pkg/FR-2012-12-07/pdf/2012-29438.pdf) | Ordinary alternative original routes also failed. | No additional original body claimed. |\n| [https://www.govinfo.gov/content/pkg/FR-2012-12-07/pdf/FR-2012-12-07.pdf](https://www.govinfo.gov/content/pkg/FR-2012-12-07/pdf/FR-2012-12-07.pdf) | Whole-issue retrieval timed out. | No whole-issue or page-image read claimed. |\n| S014 FederalRegister.gov rendition | Earlier access succeeded; later reopening redirected to a “Request Access” security page. | Earlier read remains specifically bounded. No gate bypass or security workaround attempted. |\n| Later-status searches | Returned the ANPRM, agenda, current/annual text, and off-scope or nonofficial results. | Search snippets and mirrors did not supply legal propositions. No “no later law exists” conclusion drawn. |\n\n## 9. Explicit unresolved matters and scope holds\n\n| Gap | Consequence for this report | Exact next public-law authority or question |\n| --- | --- | --- |\n| **Currency after the displayed cutoffs** | The report authenticates the accessed bodies and selected later instruments, not a complete October28 legislative/regulatory/judicial chain. | Later official Federal Register amendments/corrections/status instruments for §§1090.100–.103/.105; later enacted amendments to the identified statutory clauses. |\n| **2012 correction original and current example reference** | The correction’s government rendition was read, but original PDF access failed; “(ii)(B)” versus current “(ii)” remains unexplained. | Original77FR72913 and any adopted intervening correction addressing annual-receipts(iii)(C). |\n| **Confidentiality citation** | The printed “5414(b)(1)(C)” is preserved; no silent substitution or legal reconciliation. | Official correction or later amendment to §1070.2(i)(4). |\n| **Tax-return definitions and accounting conventions** | No actual or fully operational receipts calculation is possible from this record. | Complete public IRS instructions governing the necessary legal income/COGS category; official Part1090 clarification of any partial-week, multiple-short-year, or related accounting issue. |\n| **Undefined collection terms** | “Default,” “principal purpose,” “regularly,” and other disputed edges are not resolved by labels. | Narrow official generic interpretation, if available; judicial merits remain outside this pass. |\n| **Full statutory limitations and other routes** | No universal conclusion about all Bureau supervision or enforcement follows. | Exact applicable portions of §§5517,5519,5581 or other identified statutory routes, read completely before reliance. |\n| **Full confidentiality/access/review regime** | No absolute secrecy promise, public-access entitlement, formal appeal, stay, or judicial-review result established. | The specific complete Part1070 exception or separate generic procedural authority; no actual record request or case search. |\n| **Actual actor, activity, receipts, group, notice, or determination facts** | Every organization-specific classification remains unresolved. | No identifying inquiry is authorized in this pass. |\n| **Remaining A091 and other-law dimensions** | Ownership, authentication, official contacts, hardship practices, complaints, negotiation, litigation, licensing, debt validity, remedies, and provider comparison remain open. | A separately scoped generic public-law or methodology component; no implied permission to build a named profile. |\n\n## 10. Researcher self-check — not independent review\n\n| Check | Result |\n| --- | --- |\n| Complete selected current §1090.105 read | Yes, including every definition, receipt branch, exclusion, threshold, and source note in the accessed body. |\n| Complete indispensable general Part1090 clauses read | Yes: §§1090.100–.103, with all definitions and the complete procedure. |\n| Threshold and equality preserved | Yes: **more than**, with continuing status and other authority kept separate. |\n| Receipt base, period, aggregation, acquisition, cessation, and medical exclusion preserved | Yes; tax-return and counting gaps remain explicit. |\n| Notice date versus receipt trigger distinguished | Yes; no actual deadline calculated and no unsupported day-count convention imported. |\n| Current officer designation authenticated | Yes;2024 adopted amendment read; electronic procedure not misattributed to that amendment. |\n| Proposal and agenda kept separate from adopted law | Yes. |\n| Original-publication and cross-reference failures visible | Yes; no source failure treated as legal absence. |\n| Statute, regulation, preamble, instruction, annual edition, and agenda distinguished | Yes. |\n| PDF read claims limited to parsed text and selected bounds | Yes; no pixel or unseen-page certification. |\n| No actual or fictional organization, account, financial input, record, case, or profile created or evaluated | Yes. |\n| No subagent, outside-chat research workflow, filing, contact, records request, account action, or security workaround used | Yes. |\n| No model/UI verification, local-file, hash, import, or independent-review claim made | Yes. |\n| Component/parent acceptance or provider endorsement established | No. This is a bounded public-source legal-category report, not acceptance or an actual supervision determination. |\n\nEND R091 PASS-01.\n\n","tables":[{"headers":["Source ID","Issuer, title, and complete literal HTTPS URLs","Exact read bounds","Version, legal status, effectiveness, and limits"],"index":0,"links":[{"href":"https://www.ecfr.gov/current/title-12/chapter-X/part-1090?utm_source=chatgpt.com","text":"https://www.ecfr.gov/current/title-12/chapter-X/part-1090"},{"href":"https://www.ecfr.gov/current/title-12/chapter-X/part-1090/subpart-B/section-1090.105?utm_source=chatgpt.com","text":"https://www.ecfr.gov/current/title-12/chapter-X/part-1090/subpart-B/section-1090.105"},{"href":"https://www.govinfo.gov/content/pkg/CFR-2025-title12-vol9/pdf/CFR-2025-title12-vol9-part1090.pdf?utm_source=chatgpt.com","text":"https://www.govinfo.gov/content/pkg/CFR-2025-title12-vol9/pdf/CFR-2025-title12-vol9-part1090.pdf"},{"href":"https://uscode.house.gov/us/usc/119-124/t12/s5514/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-124/t12/s5514/"},{"href":"https://uscode.house.gov/us/usc/119-124/t12/s5481/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-124/t12/s5481/"},{"href":"https://uscode.house.gov/us/usc/119-124/t12/s5512/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-124/t12/s5512/"},{"href":"https://uscode.house.gov/us/usc/119-124/t12/s5515/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-124/t12/s5515/"},{"href":"https://uscode.house.gov/us/usc/119-124/t12/s5516/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-124/t12/s5516/"},{"href":"https://uscode.house.gov/us/usc/119-124/t12/s5301/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-124/t12/s5301/"},{"href":"https://uscode.house.gov/us/usc/119-124/t12/s1813/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-124/t12/s1813/"},{"href":"https://uscode.house.gov/us/usc/119-124/t12/s1752/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-124/t12/s1752/"},{"href":"https://uscode.house.gov/us/usc/119-124/t12/s1867/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-124/t12/s1867/"},{"href":"https://uscode.house.gov/us/usc/119-124/t12/s5517/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-124/t12/s5517/"},{"href":"https://www.irs.gov/publications/p538?utm_source=chatgpt.com","text":"https://www.irs.gov/publications/p538"},{"href":"https://www.ecfr.gov/current/title-12/chapter-X/part-1070/subpart-A/section-1070.2?utm_source=chatgpt.com","text":"https://www.ecfr.gov/current/title-12/chapter-X/part-1070/subpart-A/section-1070.2"},{"href":"https://www.ecfr.gov/current/title-12/chapter-X/part-1070/subpart-D/section-1070.40?utm_source=chatgpt.com","text":"https://www.ecfr.gov/current/title-12/chapter-X/part-1070/subpart-D/section-1070.40"},{"href":"https://www.ecfr.gov/current/title-12/chapter-X/part-1070/subpart-D/section-1070.41?utm_source=chatgpt.com","text":"https://www.ecfr.gov/current/title-12/chapter-X/part-1070/subpart-D/section-1070.41"}],"row_links":[[],[{"href":"https://www.ecfr.gov/current/title-12/chapter-X/part-1090?utm_source=chatgpt.com","text":"https://www.ecfr.gov/current/title-12/chapter-X/part-1090"},{"href":"https://www.ecfr.gov/current/title-12/chapter-X/part-1090/subpart-B/section-1090.105?utm_source=chatgpt.com","text":"https://www.ecfr.gov/current/title-12/chapter-X/part-1090/subpart-B/section-1090.105"},{"href":"https://www.govinfo.gov/content/pkg/CFR-2025-title12-vol9/pdf/CFR-2025-title12-vol9-part1090.pdf?utm_source=chatgpt.com","text":"https://www.govinfo.gov/content/pkg/CFR-2025-title12-vol9/pdf/CFR-2025-title12-vol9-part1090.pdf"}],[{"href":"https://uscode.house.gov/us/usc/119-124/t12/s5514/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-124/t12/s5514/"}],[{"href":"https://uscode.house.gov/us/usc/119-124/t12/s5481/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-124/t12/s5481/"}],[{"href":"https://uscode.house.gov/us/usc/119-124/t12/s5512/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-124/t12/s5512/"}],[{"href":"https://uscode.house.gov/us/usc/119-124/t12/s5515/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-124/t12/s5515/"},{"href":"https://uscode.house.gov/us/usc/119-124/t12/s5516/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-124/t12/s5516/"}],[{"href":"https://uscode.house.gov/us/usc/119-124/t12/s5301/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-124/t12/s5301/"},{"href":"https://uscode.house.gov/us/usc/119-124/t12/s1813/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-124/t12/s1813/"},{"href":"https://uscode.house.gov/us/usc/119-124/t12/s1752/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-124/t12/s1752/"}],[{"href":"https://uscode.house.gov/us/usc/119-124/t12/s1867/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-124/t12/s1867/"}],[{"href":"https://uscode.house.gov/us/usc/119-124/t12/s5517/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-124/t12/s5517/"}],[{"href":"https://www.irs.gov/publications/p538?utm_source=chatgpt.com","text":"https://www.irs.gov/publications/p538"}],[{"href":"https://www.ecfr.gov/current/title-12/chapter-X/part-1070/subpart-A/section-1070.2?utm_source=chatgpt.com","text":"https://www.ecfr.gov/current/title-12/chapter-X/part-1070/subpart-A/section-1070.2"},{"href":"https://www.ecfr.gov/current/title-12/chapter-X/part-1070/subpart-D/section-1070.40?utm_source=chatgpt.com","text":"https://www.ecfr.gov/current/title-12/chapter-X/part-1070/subpart-D/section-1070.40"},{"href":"https://www.ecfr.gov/current/title-12/chapter-X/part-1070/subpart-D/section-1070.41?utm_source=chatgpt.com","text":"https://www.ecfr.gov/current/title-12/chapter-X/part-1070/subpart-D/section-1070.41"}]],"rows":[["Source ID","Issuer, title, and complete literal HTTPS URLs","Exact read bounds","Version, legal status, effectiveness, and limits"],["R091-P1-S001","Bureau of Consumer Financial Protection; OFR/GPO codification, 12 CFR Part 1090—Defining Larger Participants of Certain Consumer Financial Product and Service Markets. https://www.ecfr.gov/current/title-12/chapter-X/part-1090; section view: https://www.ecfr.gov/current/title-12/chapter-X/part-1090/subpart-B/section-1090.105; annual edition: https://www.govinfo.gov/content/pkg/CFR-2025-title12-vol9/pdf/CFR-2025-title12-vol9-part1090.pdf","Complete authority/source notes and §§1090.100, .101, .102, .103, .105. Annual edition: §§.100–.103, P1173–1175/I0–2; §.105, P1176–1178/I3–5. Other market provisions were not substantively investigated.","Final eCFR display: through 10/26/2026; Title 12 last amended 10/23/2026. Earlier captures displayed earlier cutoffs, retained in the log. eCFR describes itself as authoritative but unofficial, not the official legal edition. Annual CFR: January 1, 2025 edition, historical support only. Selected effective dates are authenticated separately in S012–S016."],["R091-P1-S002","Office of the Law Revision Counsel, 12 USC 5514—Supervision of nondepository covered persons. https://uscode.house.gov/us/usc/119-124/t12/s5514/","Complete §5514(a)–(f), source credit, amendment note, references note, and effective-date note. HTML; no PDF pagination.","Displayed laws in effect through PL119-124, 10/15/2026. Enacted statutory text; original and material amendment examined in S009–S010. No exhaustive later-law or judicial audit."],["R091-P1-S003","OLRC, 12 USC 5481—Definitions. https://uscode.house.gov/us/usc/119-124/t12/s5481/","Complete selected definitions (1)–(11), (14), (15)(A)–(C), (17), (19), (24)–(27). Especially the complete financial-product/service and service-provider definitions. Surrounding portions were encountered, but no claim that every incorporated financial-law regime was investigated.","Same 10/15/2026 statutory cutoff. Definition text and editorial notes distinguished. Underlying insurance, securities, banking, transferred-law, and other regimes remain bounded dependencies where relevant."],["R091-P1-S004","OLRC, 12 USC 5512—Rulemaking authority. https://uscode.house.gov/us/usc/119-124/t12/s5512/","Complete (a), (b)(1)–(4), and (c)(1)–(9) read; reliance is principally on (a), (b)(1), (b)(3), (c)(5)–(9). Effective-date note read. Section (d), unrelated subsidiary provisions, and incorporated regimes are not treated as completed investigations.","Same statutory cutoff. Section 1029A’s special commencement clause applies to §1022, codified here. S009 authenticates that clause. Registration and confidentiality authority are distinguished from particular implementing rules or actual registration/disclosure."],["R091-P1-S005","OLRC, 12 USC 5515 and 5516, institutional exclusions. https://uscode.house.gov/us/usc/119-124/t12/s5515/; https://uscode.house.gov/us/usc/119-124/t12/s5516/","Complete §5515(a) and §5516(a). Remainders not used as a completed bank-supervision dossier.","Same statutory cutoff. The two provisions have different affiliate wording. Original subtitle application is governed by S009’s §1029A, subject to its express exceptions. No actual insured status or asset measure established."],["R091-P1-S006","OLRC, incorporated institutional definitions. https://uscode.house.gov/us/usc/119-124/t12/s5301/; https://uscode.house.gov/us/usc/119-124/t12/s1813/; https://uscode.house.gov/us/usc/119-124/t12/s1752/","Complete selected §5301(9), (18)(A); §1813(a)–(c); §1752(1), (5)–(7). These support the insured-depository/credit-union terminology; they do not complete chartering, insurance, or all banking definitions.","Same statutory cutoff. Current codified definitions read; their complete historical amendment chains were not authenticated. Special §1813(c)(3) treatment is not transposed beyond its expressly stated purpose."],["R091-P1-S007","OLRC, 12 USC 1867—Regulation and examination of bank service companies. https://uscode.house.gov/us/usc/119-124/t12/s1867/","Complete §1867(c), the incorporation in §5514(e).","Same statutory cutoff. Narrow service-provider analogy only. The full bank-service, appropriate-agency, notice, and enforcement regimes remain held."],["R091-P1-S008","OLRC, 12 USC 5517—Limitations on authorities of the Bureau; preservation of authorities. https://uscode.house.gov/us/usc/119-124/t12/s5517/","Complete (e)(1)–(3), (n), and (p) read for practice-of-law limits, preserved service-provider/information authority, and Attorney General authority. Other exclusions and their nested incorporations are not represented as fully resolved.","Same statutory cutoff. No attorney, professional, or other actor was classified. State-law practice boundaries and enumerated-law application remain held."],["R091-P1-S019","Internal Revenue Service, Publication 538, Accounting Periods and Methods. https://www.irs.gov/publications/p538","Selected complete headings on Accounting Periods, Calendar Year, Fiscal Year, 52–53-Week Tax Year, and Short Tax Year introduction. Not the whole publication; no return or form-specific income/COGS instruction was examined.","Displayed Publication 538 (01/2022), revised January 2022. Official tax instruction, not an amendment to §1090.105. It supports accounting-period terminology; return-specific receipt classification remains unresolved."],["R091-P1-S020","Bureau/OFR/GPO, narrow confidentiality provisions. https://www.ecfr.gov/current/title-12/chapter-X/part-1070/subpart-A/section-1070.2; https://www.ecfr.gov/current/title-12/chapter-X/part-1070/subpart-D/section-1070.40; https://www.ecfr.gov/current/title-12/chapter-X/part-1070/subpart-D/section-1070.41","Complete §1070.2, with reliance limited to material definitions; complete §§1070.40 and .41(a)–(e). No complete Part 1070, FOIA, privacy, privilege, or disclosure-request investigation.","Final displays through 10/26/2026. Official-hosted, unofficial codification. Selected 2020 adopted text authenticated in S021. A printed statutory cross-reference discrepancy remains visible below."]]},{"headers":["Source ID","Issuer, instrument, complete literal HTTPS URL","Exact read bounds and pagination","Publication/effect/application/status"],"index":1,"links":[{"href":"https://www.govinfo.gov/content/pkg/PLAW-111publ203/pdf/PLAW-111publ203.pdf?utm_source=chatgpt.com","text":"https://www.govinfo.gov/content/pkg/PLAW-111publ203/pdf/PLAW-111publ203.pdf"},{"href":"https://www.govinfo.gov/content/pkg/PLAW-113publ173/pdf/PLAW-113publ173.pdf?utm_source=chatgpt.com","text":"https://www.govinfo.gov/content/pkg/PLAW-113publ173/pdf/PLAW-113publ173.pdf"},{"href":"https://www.govinfo.gov/content/pkg/FR-2010-09-20/pdf/2010-23487.pdf?utm_source=chatgpt.com","text":"https://www.govinfo.gov/content/pkg/FR-2010-09-20/pdf/2010-23487.pdf"},{"href":"https://www.govinfo.gov/content/pkg/FR-2012-07-20/pdf/2012-17603.pdf?utm_source=chatgpt.com","text":"https://www.govinfo.gov/content/pkg/FR-2012-07-20/pdf/2012-17603.pdf"},{"href":"https://www.federalregister.gov/documents/2012/07/20/2012-17603/defining-larger-participants-of-the-consumer-reporting-market","text":"https://www.federalregister.gov/documents/2012/07/20/2012-17603/defining-larger-participants-of-the-consumer-reporting-market"},{"href":"https://www.govinfo.gov/content/pkg/FR-2012-10-31/pdf/2012-26467.pdf?utm_source=chatgpt.com","text":"https://www.govinfo.gov/content/pkg/FR-2012-10-31/pdf/2012-26467.pdf"},{"href":"https://www.federalregister.gov/documents/2012/10/31/2012-26467/defining-larger-participants-of-the-consumer-debt-collection-market","text":"https://www.federalregister.gov/documents/2012/10/31/2012-26467/defining-larger-participants-of-the-consumer-debt-collection-market"},{"href":"https://www.federalregister.gov/documents/2012/12/07/2012-29438/defining-larger-participants-of-the-consumer-debt-collection-market-correction?utm_source=chatgpt.com","text":"https://www.federalregister.gov/documents/2012/12/07/2012-29438/defining-larger-participants-of-the-consumer-debt-collection-market-correction"},{"href":"https://www.govinfo.gov/content/pkg/FR-2012-12-07/pdf/2012-29438.pdf","text":"https://www.govinfo.gov/content/pkg/FR-2012-12-07/pdf/2012-29438.pdf"},{"href":"https://www.govinfo.gov/content/pkg/FR-2015-06-30/pdf/2015-14630.pdf?utm_source=chatgpt.com","text":"https://www.govinfo.gov/content/pkg/FR-2015-06-30/pdf/2015-14630.pdf"},{"href":"https://www.govinfo.gov/content/pkg/FR-2024-11-29/pdf/2024-27978.pdf?utm_source=chatgpt.com","text":"https://www.govinfo.gov/content/pkg/FR-2024-11-29/pdf/2024-27978.pdf"},{"href":"https://www.govinfo.gov/content/pkg/FR-2025-08-08/pdf/2025-15091.pdf?utm_source=chatgpt.com","text":"https://www.govinfo.gov/content/pkg/FR-2025-08-08/pdf/2025-15091.pdf"},{"href":"https://www.reginfo.gov/public/do/eAgendaViewRule?RIN=3170-AB51&pubId=202510&utm_source=chatgpt.com","text":"https://www.reginfo.gov/public/do/eAgendaViewRule?RIN=3170-AB51&pubId=202510"},{"href":"https://www.govinfo.gov/content/pkg/FR-2020-11-24/pdf/2020-24113.pdf?utm_source=chatgpt.com","text":"https://www.govinfo.gov/content/pkg/FR-2020-11-24/pdf/2020-24113.pdf"}],"row_links":[[],[{"href":"https://www.govinfo.gov/content/pkg/PLAW-111publ203/pdf/PLAW-111publ203.pdf?utm_source=chatgpt.com","text":"https://www.govinfo.gov/content/pkg/PLAW-111publ203/pdf/PLAW-111publ203.pdf"}],[{"href":"https://www.govinfo.gov/content/pkg/PLAW-113publ173/pdf/PLAW-113publ173.pdf?utm_source=chatgpt.com","text":"https://www.govinfo.gov/content/pkg/PLAW-113publ173/pdf/PLAW-113publ173.pdf"}],[{"href":"https://www.govinfo.gov/content/pkg/FR-2010-09-20/pdf/2010-23487.pdf?utm_source=chatgpt.com","text":"https://www.govinfo.gov/content/pkg/FR-2010-09-20/pdf/2010-23487.pdf"}],[{"href":"https://www.govinfo.gov/content/pkg/FR-2012-07-20/pdf/2012-17603.pdf?utm_source=chatgpt.com","text":"https://www.govinfo.gov/content/pkg/FR-2012-07-20/pdf/2012-17603.pdf"},{"href":"https://www.federalregister.gov/documents/2012/07/20/2012-17603/defining-larger-participants-of-the-consumer-reporting-market","text":"https://www.federalregister.gov/documents/2012/07/20/2012-17603/defining-larger-participants-of-the-consumer-reporting-market"}],[{"href":"https://www.govinfo.gov/content/pkg/FR-2012-10-31/pdf/2012-26467.pdf?utm_source=chatgpt.com","text":"https://www.govinfo.gov/content/pkg/FR-2012-10-31/pdf/2012-26467.pdf"},{"href":"https://www.federalregister.gov/documents/2012/10/31/2012-26467/defining-larger-participants-of-the-consumer-debt-collection-market","text":"https://www.federalregister.gov/documents/2012/10/31/2012-26467/defining-larger-participants-of-the-consumer-debt-collection-market"}],[{"href":"https://www.federalregister.gov/documents/2012/12/07/2012-29438/defining-larger-participants-of-the-consumer-debt-collection-market-correction?utm_source=chatgpt.com","text":"https://www.federalregister.gov/documents/2012/12/07/2012-29438/defining-larger-participants-of-the-consumer-debt-collection-market-correction"},{"href":"https://www.govinfo.gov/content/pkg/FR-2012-12-07/pdf/2012-29438.pdf","text":"https://www.govinfo.gov/content/pkg/FR-2012-12-07/pdf/2012-29438.pdf"}],[{"href":"https://www.govinfo.gov/content/pkg/FR-2015-06-30/pdf/2015-14630.pdf?utm_source=chatgpt.com","text":"https://www.govinfo.gov/content/pkg/FR-2015-06-30/pdf/2015-14630.pdf"}],[{"href":"https://www.govinfo.gov/content/pkg/FR-2024-11-29/pdf/2024-27978.pdf?utm_source=chatgpt.com","text":"https://www.govinfo.gov/content/pkg/FR-2024-11-29/pdf/2024-27978.pdf"}],[{"href":"https://www.govinfo.gov/content/pkg/FR-2025-08-08/pdf/2025-15091.pdf?utm_source=chatgpt.com","text":"https://www.govinfo.gov/content/pkg/FR-2025-08-08/pdf/2025-15091.pdf"}],[{"href":"https://www.reginfo.gov/public/do/eAgendaViewRule?RIN=3170-AB51&pubId=202510&utm_source=chatgpt.com","text":"https://www.reginfo.gov/public/do/eAgendaViewRule?RIN=3170-AB51&pubId=202510"}],[{"href":"https://www.govinfo.gov/content/pkg/FR-2020-11-24/pdf/2020-24113.pdf?utm_source=chatgpt.com","text":"https://www.govinfo.gov/content/pkg/FR-2020-11-24/pdf/2020-24113.pdf"}]],"rows":[["Source ID","Issuer, instrument, complete literal HTTPS URL","Exact read bounds and pagination","Publication/effect/application/status"],["R091-P1-S009","Congress/GPO, Public Law 111-203, Dodd-Frank Act. https://www.govinfo.gov/content/pkg/PLAW-111publ203/pdf/PLAW-111publ203.pdf","Selected complete §4, P124 Stat.1390/I15; §1022(a), (b)(1), P1980/I605; §1024(a)–(f), P1987–1990/I612–615; §1029A, P2005/I630; §1062, P2039–2040/I664–665. Not the entire Act.","Enacted July 21, 2010. §4 supplies a default one-day-after-enactment rule, subject to contrary provisions. §1029A makes §§1022 and 1024 effective on enactment, while generally applying the subtitle on the designated transfer date."],["R091-P1-S010","Congress/GPO, Public Law 113-173. https://www.govinfo.gov/content/pkg/PLAW-113publ173/pdf/PLAW-113publ173.pdf","Complete Act, §§1–2, 128 Stat.1899/I0.","Approved September 26, 2014. Amends §5514(b)(3) concerning State-agency coordination and preservation of privilege/confidentiality when information is shared. No separate delayed-commencement clause appears in the read Act."],["R091-P1-S011","Department of the Treasury, Designated Transfer Date notice. https://www.govinfo.gov/content/pkg/FR-2010-09-20/pdf/2010-23487.pdf","Selected complete DATES and operative designation paragraphs, 75 FR57252–57253/I0–1. Not all historical discussion relied on.","Published September 20, 2010; designates July 21, 2011. Historical transfer-date authority, not a present response deadline."],["R091-P1-S012","Bureau, Defining Larger Participants of the Consumer Reporting Market, original general Part 1090 adoption. https://www.govinfo.gov/content/pkg/FR-2012-07-20/pdf/2012-17603.pdf; same-instrument HTML: https://www.federalregister.gov/documents/2012/07/20/2012-17603/defining-larger-participants-of-the-consumer-reporting-market","DATES, P42874/I0; complete selected adopted §§1090.100–.103, P42898–42899/I24–25; complete selected discussion of §§.102–.103, P42881–42883/I7–9, including footnote45. Consumer-reporting-market substance not investigated.","Published July 20, 2012; effective September 30, 2012. Original regulatory text distinguished from preamble explanation."],["R091-P1-S013","Bureau, Defining Larger Participants of the Consumer Debt Collection Market, final rule. https://www.govinfo.gov/content/pkg/FR-2012-10-31/pdf/2012-26467.pdf; same-instrument HTML: https://www.federalregister.gov/documents/2012/10/31/2012-26467/defining-larger-participants-of-the-consumer-debt-collection-market","DATES P65775/I0; complete section IV, legal authority/effectiveness, P65778/I3; complete adopted §1090.105 and instructions, P65798/I23, concluding material P65799/I24. Selected complete apportionment discussion, P65790/I15, including relevant footnotes. Selected servicing discussion, P65782/I7. Not the whole preamble or its underlying empirical sources.","Published October 31, 2012; effective January 2, 2013. Original adopted text later corrected/amended as below."],["R091-P1-S014","Bureau/OFR, Correction to the consumer-debt-collection final rule. Readable rendition: https://www.federalregister.gov/documents/2012/12/07/2012-29438/defining-larger-participants-of-the-consumer-debt-collection-market-correction. Failed original: https://www.govinfo.gov/content/pkg/FR-2012-12-07/pdf/2012-29438.pdf","Earlier successful government-hosted HTML/XML rendition: complete DATES, correction explanation, and all four correcting instructions. Publication locator 77 FR72913. PDF index unavailable because original PDF access failed. Later access to the rendition reached a security gate.","Published December 7, 2012; states effective January 2, 2013. Original-PDF authentication remains incomplete. A difference between one corrected cross-reference and current compilation is not silently repaired."],["R091-P1-S015","Bureau, Defining Larger Participants of the Automobile Financing Market and Defining Certain Automobile Leasing Activity as a Financial Product or Service—only amendments material here. https://www.govinfo.gov/content/pkg/FR-2015-06-30/pdf/2015-14630.pdf","DATES P37496/I0; selected complete explanatory discussion P37506/I10; complete adopted instructions 2, 3, and 5, including revised nonbank-covered-person definition and §1090.105 annual-receipts (iii)(D), P37526/I30. Other market and leasing rules held.","Published June 30, 2015; effective August 31, 2015."],["R091-P1-S016","Bureau, Updates to Supervision and Enforcement Procedures. https://www.govinfo.gov/content/pkg/FR-2024-11-29/pdf/2024-27978.pdf","DATES and selected organizational explanation, 89 FR94600/I0; complete Part1090 instructions 13–15, P94601/I1. Other amended procedural parts not investigated.","Published and effective November 29, 2024. Replaces the former officer designation with Supervision Director in §§.101/.103."],["R091-P1-S017","Bureau, Defining Larger Participants of the Consumer Debt Collection Market, advance notice. https://www.govinfo.gov/content/pkg/FR-2025-08-08/pdf/2025-15091.pdf","Complete debt-collection notice body, 90 FR38418–38421/I0–3, excluding neighboring documents sharing pages. Action, dates, background, and questions read. Empirical estimates and underlying studies not adopted as findings.","Published August 8, 2025. Advance notice of proposed rulemaking, not an adopted amendment. Historical comment receipt date: on or before September 22, 2025."],["R091-P1-S018","OIRA/Reginfo, public regulatory agenda, Defining Larger Participants of the Consumer Debt Collection Market. https://www.reginfo.gov/public/do/eAgendaViewRule?RIN=3170-AB51&pubId=202510","Complete displayed agenda entry’s substantive status and timetable. Contact details not investigated or used. HTML; no printed/PDF page.","Displayed Publication ID2026, notwithstanding the URL parameter. “Proposed Rule Stage”; timetable contains NPRM09/00/2026. This is a planning placeholder, not a valid day-specific date, adopted rule, or legal deadline."],["R091-P1-S021","Bureau, Amendments Relating to Disclosure of Records and Information. https://www.govinfo.gov/content/pkg/FR-2020-11-24/pdf/2020-24113.pdf","DATES, 85 FR75194/I0; complete instruction2 revising §1070.2, P75216–75217/I22–23; selected complete instruction3 text for §§1070.40–.41, P75217/I23. Not all other disclosure provisions or the whole preamble.","Published November 24, 2020; effective December 24, 2020. Adopted text contains the same §1070.2(i)(4) numerical cross-reference problem visible in current eCFR."]]},{"headers":["Claim ID","Supported finding, with qualification","Exact authority and source"],"index":2,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Claim ID","Supported finding, with qualification","Exact authority and source"],["R091-P1-C001","The selected provision exists in the accessed current body as §1090.105, Consumer debt collection market. The applicable general provisions are .100 Scope and purpose; .101 Definitions; .102 Status as larger participant subject to supervision; .103 Assessing status as a larger participant.","S001, complete selected sections and headings."],["R091-P1-C002","The final eCFR display was through 10/26/2026, with a Title12-wide last-amended label of 10/23/2026. Neither label says §1090.105 itself was amended on that date. The annual official CFR examined is the 1/1/2025 edition.","S001, currency banner, legal-status notice, annual-edition header."],["R091-P1-C003","The accessible statutory bodies display laws in effect through PL119-124, 10/15/2026. They do not, by themselves, establish the complete statutory chain through the access date.","S002–S008, displayed currency; failure log."],["R091-P1-C004","The original general Part1090 provisions examined were published 7/20/2012, effective 9/30/2012. Their historical officer designation must not replace the present §.101/.103 wording.","S012, DATES; adopted §§.100–.103; S016."],["R091-P1-C005","The debt-collection final rule was published 10/31/2012, effective 1/2/2013. Section IV expressly adopts that effective date; it is not inferred solely from a source credit.","S013, DATES; IV.B; adopted §.105."],["R091-P1-C006","The readable correction rendition states publication 12/7/2012, effectiveness 1/2/2013, and four corrections: three internal references and insertion of the paragraph (b) designation. Original-PDF access remains a gap.","S014, complete correcting instructions1–4 and DATES."],["R091-P1-C007","The 2015 amendment revises the nonbank-covered-person definition and expressly provides that a former affiliate that ceased affiliation during the measurement period remains aggregated for the entire period.","S015, instructions3 and5, effective 8/31/2015; S001 §.105(a), annual receipts(iii)(D)."],["R091-P1-C008","The 2024 amendment substitutes Supervision Director and its delegation definition. Electronic submission and electronic delivery of the determination already appeared in the original 2012 procedure; they were not newly created in 2024.","S016, instructions13–15; S012 §.103(a),(c); S001 §.101."],["R091-P1-C009","The 2025 document is an advance notice, seeking information about whether to propose changes. The later agenda entry is planning information. Neither examined body adopts a replacement receipts threshold.","S017, ACTION, SUMMARY, sectionIII; S018, stage and timetable."],["R091-P1-C010","A narrow discrepancy remains: correction instruction2 replaces the second example reference in annual-receipts(iii)(C) with “(ii)(B)”; current eCFR and the examined annual CFR print “(ii)” there. The main annualization rule in (ii)(B) is present, but the intervening reason for this citation difference was not authenticated.","S014, instruction2; S001, §.105(a), annual receipts(iii)(C)."],["R091-P1-C011","Original statutory §§1022 and1024 became effective on 7/21/2010 under §1029A’s express exception. The generally designated transfer date was 7/21/2011. These dates differ from Part1090’s later regulatory effective dates.","S009, §§4,1029A,1062; S011, operative designation."],["R091-P1-C012","The enacted 2014 amendment adds State agencies that license, supervise, or examine consumer-financial-product/service offerings to §5514(b)(3), and preserves claimed privilege/confidentiality against outsiders when information is shared among the specified regulators.","S010 §2; S002 §5514(b)(3)."]]},{"headers":["Claim ID","Supported finding, with all material qualifications","Exact authority and source"],"index":3,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Claim ID","Supported finding, with all material qualifications","Exact authority and source"],["R091-P1-C013","Part1090 defines larger participants for supervision under §5514(a)(1)(B) and (a)(2), and facilitates supervision under (b)(7). The debt-collection criterion is a market-specific supervisory category.","S001 §.100 and authority citation; S002 §5514(a)(1)(B),(a)(2),(b)(7)(A); S004 §5512(b)(1)."],["R091-P1-C014","“Person” includes an individual, partnership, company, corporation, incorporated or unincorporated association, trust, estate, cooperative organization, or other entity. It is not confined to corporations.","S001 §.101, Person; S003 §5481(19)."],["R091-P1-C015","“Consumer” means an individual or an agent, trustee, or representative acting on an individual’s behalf. A generic representative category does not prove actual authority or a particular relationship.","S001 §.101, Consumer; S003 §5481(4)."],["R091-P1-C016","Subject to the express §5515(a)/§5516(a) exclusions, “nonbank covered person” includes a person offering or providing a consumer financial product/service, and an affiliate of such a person if that affiliate acts as a service provider to that person. Affiliation alone does not satisfy the second route.","S001 §.101, Nonbank covered person; S003 §5481(6)."],["R091-P1-C017","Section5515(a) describes insured depository institutions and insured credit unions with more than $10 billion in assets, and any affiliate thereof. Section5516(a) describes insured depository institutions and insured credit unions with $10 billion or less. Its subsection(a) does not contain the same “any affiliate” language.","S005, complete respective subsection(a)s."],["R091-P1-C018","The incorporated insured-depository category concerns a bank or savings association whose deposits are insured under the Federal Deposit Insurance Act; “insured credit union” concerns a credit union whose member accounts are insured under the specified subchapter. Chartering and insurance predicates are not established by a business label.","S006, §1813(a)–(c), particularly(c)(2); §1752(1),(5)–(7); S003 §5481(17)."],["R091-P1-C019","The statutory “affiliate” definition is a person controlling, controlled by, or under common control with another person. Part1090’s “affiliated company” supplies additional express company/control wording for its aggregation mechanism. These definitions should not be collapsed with the distinct related-party collector exception.","S003 §5481(1); S001 §.101 and §.105(a), Debt collector(i)."],["R091-P1-C020","A Part1090 affiliated company is a company controlling, controlled by, or under common control with a person, excluding an insured depository institution or insured credit union. “Company” includes corporations, LLCs, business trusts, general/limited partnerships, proprietorships, cooperatives, associations, and similar organizations.","S001 §.101, Affiliated company introductory text and(1)."],["R091-P1-C021","One alternative control test is direct, indirect, or through-other-person ownership, control, or voting power over 25 percent or more of any class of voting securities or similar ownership interest. The denominator is a class, not necessarily all equity.","S001 §.101, Affiliated company(2)(i)."],["R091-P1-C022","A separate control alternative is control, in any manner, over election of a majority of directors, trustees, members, or general partners. The rule does not require satisfaction of the ownership-percentage route as well.","S001 §.101, Affiliated company(2)(ii)."],["R091-P1-C023","A further control alternative is directly or indirectly exercising a controlling influence over management or policies. A failure to establish 25-percent ownership alone does not negate this alternative.","S001 §.101, Affiliated company(2)(iii)."],["R091-P1-C024","The consumer-financial-product/service definition has two routes: a §5481(15)(A) product/service offered or provided for consumers’ primarily personal, family, or household use; or activities in clauses(i),(iii),(ix), or(x) delivered, offered, or provided in connection with such a consumer product/service.","S001 §.101, Consumer financial product or service(1)–(2); S003 §5481(5),(15)."],["R091-P1-C025","Statutory “credit” includes rights to defer debt payment, incur debt and defer payment, or buy property/services and defer payment. Section5481(15)(A)(i) includes extending credit and servicing loans, including specified acquisition, purchase, sale, brokerage, and extension activities, with its exception for solely extending commercial credit to a consumer-credit originator. This broader product definition does not itself satisfy §.105’s collection-market test.","S003 §5481(7),(15)(A)(i); S001 §.105."],["R091-P1-C026","Section5481(15)(A)(x) includes collecting debt related to a consumer financial product/service. The complete paragraph(15) contains other categories, qualifications, exclusions, and limited authority to define additional products by regulation. Their existence does not make every receivable a qualifying collection-market receipt.","S003 §5481(15)(A)–(C); S001 §.105(a), Consumer debt collection."],["R091-P1-C027","A service provider supplies a material service to a covered person in connection with that person’s consumer-financial-product/service offering. Included examples encompass designing, operating, maintaining, or processing transactions, with the express exception for unknowingly or incidentally transmitting/processing undifferentiated financial data.","S003 §5481(26)(A)."],["R091-P1-C028","Providing general business support or similar ministerial services, or advertising time/space, does not solely by itself establish service-provider status. This is not a blanket exemption for an actor performing additional material services.","S003 §5481(26)(B)."],["R091-P1-C029","A service provider is deemed a covered person to the extent it offers or provides its own consumer financial product/service. The statutory rule is activity-qualified.","S003 §5481(26)(C)."],["R091-P1-C030","The financial-product/service definition excludes the business of insurance, whose separate definition includes writing/reinsuring risks and the specified acts and authorized-role activities related to that business. It is not an investigated exemption for every activity of an insurance-associated actor.","S003 §5481(3),(15)(C)(i)."],["R091-P1-C031","Electronic conduit services are excluded as defined, but the definition does not include a provider that, when providing the services, selects/modifies content, differentiates financial data in the stated manner, or is a payee, payor, correspondent, or similar party to a consumer payment transaction.","S003 §5481(11)(A)–(B),(15)(C)(ii)."]]},{"headers":["Claim ID","Supported conditional rule","Exact authority and source"],"index":4,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Claim ID","Supported conditional rule","Exact authority and source"],["R091-P1-C032","“Consumer debt collection” requires a debt collector’s collection, a debt incurred by a consumer primarily for personal, family, or household purposes, and a relationship to a consumer financial product/service. All these predicates matter.","S001 §.105(a), Consumer debt collection."],["R091-P1-C033","A creditor offers/extends credit creating a debt or is owed the debt. The definition excludes a person to the extent it receives an assignment/transfer of a defaulted debt solely to facilitate collection for another.","S001 §.105(a), Creditor."],["R091-P1-C034","“Debt collector” has alternative routes: use of interstate-commerce instrumentalities or the mails in a business whose principal purpose is collecting any debts; or regularly collecting/attempting to collect, directly or indirectly, debts owed, due, or asserted owed/due to another.","S001 §.105(a), Debt collector opening sentence."],["R091-P1-C035","Notwithstanding exclusion(iii), a creditor collecting its own debts is included if it uses a different name indicating that a third person is collecting or attempting collection. The alternate-name condition must be established; ordinary creditor status alone is insufficient.","S001 §.105(a), Debt collector second sentence."],["R091-P1-C036","The related-party collector exclusion requires common ownership or corporate-control affiliation, collection only for related/affiliated persons, and a principal business that is not debt collection. Relationship alone does not establish the exclusion.","S001 §.105(a), Debt collector(i)."],["R091-P1-C037","The nonprofit exclusion requires a nonprofit organization acting at consumers’ request, performing bona fide consumer credit counseling, and assisting debt liquidation by receiving consumer payments and distributing those amounts to creditors. Nonprofit status alone is insufficient.","S001 §.105(a), Debt collector(ii)."],["R091-P1-C038","The activity-qualified exclusion for collecting another’s debt applies to the extent the debt was originated by the collector, or was not in default when that person obtained it. Those are alternatives within exclusion(iii), not a universal exemption for anything called servicing.","S001 §.105(a), Debt collector(iii)(A)–(B); S013, selected servicing explanation."],["R091-P1-C039","A person engaged solely in enforcing a security interest is excluded from this definition. The selected text does not resolve activities extending beyond that exclusive function.","S001 §.105(a), Debt collector(iv)."],["R091-P1-C040","Ownership/purchase of a debt does not, by label alone, establish inclusion or exclusion. The principal-purpose route refers to collecting any debts; the other-owed-debt route and exclusions have different conditions. This Part’s complete definition is the operative selected definition; the full FDCPA definition and its judicial treatment were not imported.","S001 §.105(a), complete Debt collector and Creditor definitions; S013, bounded market explanation."],["R091-P1-C041","The selected Part does not separately supply complete definitions resolving every edge of “debt,” “default,” “principal purpose,” “regularly,” or “medical provider.” An actual disputed classification cannot be settled by assuming familiar meanings or a judicial consensus.","S001, complete selected definitions; express research boundary."]]},{"headers":["Claim ID","Supported rule and limits","Exact authority and source"],"index":5,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Claim ID","Supported rule and limits","Exact authority and source"],["R091-P1-C042","“Completed fiscal year” includes a tax year that is a fiscal, calendar, or short tax year. The rule recites: fiscal year—12 consecutive months ending on the last day of a month other than December31; calendar year—12 consecutive months ending December31; tax year—annual accounting period or appropriate short year; short year—less than12 months. An annual accounting period itself excludes a short year.","S001 §.101, Completed fiscal year(1)–(4); S019 selected accounting-period instructions."],["R091-P1-C043","Receipts start with IRS-defined/reported total income, or gross income for a sole proprietorship, plus cost of goods sold. The regulation names illustrative tax forms; it does not establish the correct tax-return category or line treatment for an unidentified actor.","S001 §.105(a), Annual receipts(i)."],["R091-P1-C044","Net capital gains or losses are excluded from receipts. The exclusion is not a general permission to subtract all capital-related cash flows or losses.","S001, Annual receipts(i)."],["R091-P1-C045","Taxes collected for and remitted to a taxing authority are excluded if included in gross/total income. The stated category includes customer-collected taxes but does not exclude taxes levied on the entity or its employees.","S001, Annual receipts(i)."],["R091-P1-C046","Amounts collected for another are excluded, but fees earned in connection with those collections are receipts. Gross collections, remittances, and earned fees therefore cannot be treated as interchangeable categories.","S001, Annual receipts(i)."],["R091-P1-C047","The rule expressly includes examples such as subcontractor costs, reimbursement for purchases made at a customer’s request, and employee-based costs such as payroll taxes. A generic “expense” label does not establish a receipt deduction.","S001, Annual receipts(i)."],["R091-P1-C048","The IRS accounting-period incorporation was read narrowly. Complete return-specific definitions of income, COGS, recognition, and entity classification were not authenticated. Thus the regulation’s legal formula is reported, but no fully operational accounting computation or characterization of a particular return is supplied.","S001, Annual receipts(i); S019, selected bounds."],["R091-P1-C049","For a person in business for three or more completed fiscal years, the ordinary measure is total receipts over its three most recently completed fiscal years divided by three, subject to the specific short-year rule.","S001, Annual receipts(ii)(A), read with(ii)(C)."],["R091-P1-C050","For a person in business for less than three completed fiscal years, the measure is total receipts during the entire period in business, divided by the number of weeks in business, multiplied by 52.","S001, Annual receipts(ii)(B)."],["R091-P1-C051","Where the person has at least three completed fiscal years but one year in the measurement period is a short tax year, the rule uses total receipts for the short year and two full fiscal/calendar years, divided by the total weeks in those periods, multiplied by 52.","S001, Annual receipts(ii)(C)."],["R091-P1-C052","Annual receipts are aggregated by adding the person’s annual receipts to the annual receipts of each affiliated company, using the applicable affiliated-company definition and its insured-institution exclusions.","S001, Annual receipts(iii)(A); §.101; S002 §5514(a)(3)(B)."],["R091-P1-C053","If an affiliated company was acquired, or the person was acquired by an affiliated company, during the applicable measurement period, their receipts are aggregated for the entire period, not only the post-affiliation portion.","S001, Annual receipts(iii)(B)."],["R091-P1-C054","Each person’s/affiliate’s receipts are calculated separately under paragraph(ii), even if different measurement periods result. The source’s generic illustration annualizes a younger affiliate separately; no invented affiliate or financial example is needed here. The example’s internal-reference discrepancy is preserved in C010.","S001, Annual receipts(iii)(C); S014."],["R091-P1-C055","A former affiliate is excluded if affiliation ceased before the applicable measurement period. If affiliation ceased during that period, aggregation covers the entire period. Current nonaffiliation is not enough to choose between those rules.","S001, Annual receipts(iii)(D); S015, instruction5."],["R091-P1-C056","Receipts resulting from collecting debt originally owed to a medical provider are excluded. This is a receipts exclusion, not a general determination about medical-debt validity, collection legality, or all supervisory authority.","S001, Annual receipts(iii)(E)."],["R091-P1-C057","The threshold concerns receipts resulting from consumer debt collection, not indiscriminately all business revenue. The adoption preamble explains apportionment for both a person and its affiliates and does not impose a separate periodic apportionment form through this rule. That explanation does not eliminate §.103’s information-request or challenge consequences.","S001 §.105(b); S013, P65790/I15, apportionment discussion and footnotes111–112; S001 §.103."],["R091-P1-C058","The adopted test is more than $10 million in the defined annual receipts. Equality alone does not meet this threshold. However, equality or a lower current measure does not itself negate continuing status under §.102 or another statutory supervisory route. No automatic inflation-index formula appears in the selected rule.","S001 §.105(b), §§.101–.102; S002 §5514(a)(1)."],["R091-P1-C059","The selected debt-collection rule does not prescribe a universal December31 snapshot date, rounding rule, partial-week convention, or a complete solution for every multiple-short-year/intercompany-accounting issue. It uses completed fiscal periods and specified aggregation events. Those unestablished conventions prevent an actual or purportedly complete computational model here.","S001, Annual receipts(i)–(iii), §.102; S019 limited read."]]},{"headers":["Claim ID","Supported rule and limits","Exact authority and source"],"index":6,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Claim ID","Supported rule and limits","Exact authority and source"],["R091-P1-C060","A larger participant is a nonbank covered person that met a SubpartB test within §.102’s period. A qualifying person shall not cease to be a larger participant until two years from the first day of the tax year in which it last met the applicable test.","S001 §.101, Larger participant; complete §.102."],["R091-P1-C061","The anchor is not the date of a supervisory letter, acquisition, last receipt, or the end of the tax year. A decline in present receipts does not by itself establish immediate loss of status; the historical measurement and continuation provisions both matter.","S001 §§.102,.105(a); textual comparison."],["R091-P1-C062","Supervision includes the Bureau’s exercise or intended exercise of §5514 authority, including initiating/undertaking an examination or requiring a report. “Supervision Director” includes designated Bureau employees, and the Bureau Director may perform those functions.","S001 §.101, Supervision and Supervision Director."],["R091-P1-C063","If a person receives a written communication initiating §5514 supervisory activity, it may assert that it does not meet the larger-participant definition within45 days of the date of the communication. Receipt triggers availability of this route, but the expressed period is measured from the communication’s date.","S001 §.103(a)."],["R091-P1-C064","That response must be electronically transmitted to the Supervision Director at the address in the communication and must include an affidavit explaining the basis for the asserted absence of larger-participant status and resulting assertion of no §5514 supervision under this route.","S001 §.103(a)."],["R091-P1-C065","Supporting records/documents/information may accompany the response. Nevertheless, subsection(b) deems the person to have waived reliance, when disputing larger-participant status, on an argument or material not submitted under(a). The optional-attachment wording must be read with that consequence.","S001 §.103(a)–(b)."],["R091-P1-C066","Failure to respond within the stated45-day period results in a deemed acknowledgment of larger-participant status, subject to the timeframe-modification authority in(e). It is not a statutory admission that a debt is valid or that misconduct occurred.","S001 §.103(b),(e); scope of §.100."],["R091-P1-C067","The Supervision Director shall review the affidavit, attached material, and any other information deemed relevant, then send an electronic statement explaining whether the person meets the larger-participant definition.","S001 §.103(c)."],["R091-P1-C068","At any time, including before the initiating communication, the Supervision Director may require records, documents, and information considered appropriate to assess status. The recipient must provide the requested material within the period specified in the request.","S001 §.103(d)."],["R091-P1-C069","The Supervision Director may, in discretion, modify any timeframe prescribed by §.103, on the official’s own initiative or for good cause shown. An extension is not automatic.","S001 §.103(e)."],["R091-P1-C070","Section.103 itself does not specify calendar-versus-business-day counting, a deemed-receipt rule, a fixed decision deadline, a formal hearing, a stated evidentiary burden such as preponderance, a separate administrative appeal, or an automatic stay. No such procedure or consequence is inferred here.","S001, complete §.103(a)–(e)."],["R091-P1-C071","The 2012 preamble’s footnote45 describes the waiver as relating to the particular year at issue and contemplates a later dispute when receipts decline and a later supervisory initiation occurs outside the two-year continuation period. This is attributed agency explanation, not additional codified language or a judicial holding.","S012, P42882/I8, footnote45 and surrounding §.103 analysis; S001 §§.102–.103."]]},{"headers":["Claim ID","Supported rule and limits","Exact authority and source"],"index":7,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Claim ID","Supported rule and limits","Exact authority and source"],["R091-P1-C072","Section5514(b)(1) directs periodic reports/examinations to assess compliance with Federal consumer financial law, obtain activity/compliance-system information, and detect/assess consumer and market risks. It does not pronounce an actual compliance result.","S002 §5514(b)(1)(A)–(C)."],["R091-P1-C073","Supervision is risk based, considering applicable asset size, transaction volume, consumer risks, State oversight, and other relevant factors. “Periodic” does not establish a universal examination frequency for every larger participant.","S002 §5514(b)(1)–(2)."],["R091-P1-C074","The Bureau must coordinate with specified regulators and State agencies, use existing agency/public reports to the fullest extent possible, and retains authority to require information owned or controlled by the covered person even if another person stores/processes it.","S002 §5514(b)(3)–(5)."],["R091-P1-C075","The statute requires transmission to the IRS Commissioner of examination material identifying possible tax-law noncompliance. This is not a tax assessment or a finding that any person owes tax.","S002 §5514(b)(6)."],["R091-P1-C076","The Bureau must prescribe rules facilitating supervision and may require records or prescribe obligation-related requirements, potentially including background checks or bonding. This authorization is not proof that a named actor was checked, bonded, approved, or found legitimate.","S002 §5514(b)(7)(A)–(D)."],["R091-P1-C077","Separate statutory authority permits registration rules, excluding the stated insured-depository, insured-credit-union, and related-person categories, and permits public registration disclosures subject to such rules. Part1090 status itself is not a registration entry. The full registration regime and nested related-person application are held.","S004 §5512(c)(7)(A)–(C); S003 §5481(25); S001 selected body."],["R091-P1-C078","Section5514 has other supervisory routes besides larger-participant rules: specified real-estate-loan activities; a risk-based order after notice and reasonable opportunity to respond; specified private-education-loan activity subject to its cross-references; and payday loans. Failure of this one market test is not universal immunity. No other route is classified here.","S002 §5514(a)(1)(A)–(E),(a)(3)."],["R091-P1-C079","The enforcement and rulemaking/examination exclusivity clauses are conditional, including express §5581 exceptions. The FTC coordination clause includes notice where feasible, a pending-action restriction, intervention rights, and permission for agreement terms to modify/supersede that restriction. The complete transferred-authority and enforcement regimes were not traced; no universal exclusivity claim follows.","S002 §5514(c)(1)–(3),(d); S008 §5517(p)."],["R091-P1-C080","Section5514(e) applies a bank-service relationship analogy to service providers and requires coordination with the appropriate prudential regulator where applicable. Incorporated §1867(c) concerns authorized bank services performed by contract or otherwise for the specified examined institutions/affiliates, permits examination as if performed on bank premises, and contains a depository-institution notice clause. Its 30-day notice is not imported here as a general Part1090 challenge period or a proven nonbank filing duty.","S002 §5514(e); S007 complete §1867(c)(1)–(2)."],["R091-P1-C081","Section5514(f) preserves Farm Credit Administration authority. It does not itself classify an actor or complete that separate statutory regime.","S002 §5514(f)."],["R091-P1-C082","The practice-of-law limit applies to the specified State-licensed legal activity, but §5517(e)(2) preserves authority over qualifying consumer-financial-product/service offerings outside the stated exclusive attorney-client practice context, or to consumers not receiving connected legal advice/services. Paragraph(e)(3) preserves enumerated/transferred-law authority; (n) preserves specified service-provider/information possibilities. A lawyer label is not universal immunity.","S008 §5517(e)(1)–(3),(n); S003 §5481(5)."],["R091-P1-C083","Confidential supervisory information includes specified examination/report material and derivatives, supervisory records, related supervisory communications, specified information furnished for risk or jurisdiction assessment, and information within the stated FOIA-exemption reference. “Confidential information” excludes Bureau-authorized public disclosure and otherwise remains confidential when held by a third party. The questionable citation in(i)(4) is preserved in C090.","S020 §1070.2(f),(i)(1)–(5),(l),(q)."],["R091-P1-C084","Section1070.41(a) restricts disclosure by current/former Bureau personnel, contractors/consultants, and other holders, except as required by law or provided in Part1070; internal access is also limited by relevance to assigned duties. This is not an absolute nondisclosure promise.","S020 §1070.41(a)(1)–(2)."],["R091-P1-C085","Bureau contractors/consultants must comply with the stated confidentiality/security requirements and additional Bureau conditions; receipt of confidential information requires the specified written certification. This is a confidentiality condition, not a professional license or provider endorsement.","S020 §1070.41(b)."],["R091-P1-C086","The Bureau may disclose derived materials in its discretion to the extent they do not directly or indirectly identify a person to whom the confidential information pertains.","S020 §1070.41(c)."],["R091-P1-C087","Where practicable, the Bureau may, in discretion and consistent with applicable law, disclose identifying confidential information upon obtaining the specified persons’ prior consent. No actual consent or disclosure decision is supplied.","S020 §1070.41(d)."],["R091-P1-C088","Section1070.41 does not require or authorize disclosure of another agency’s confidential information, received directly or through a holder, to the extent disclosure would contravene applicable law or the governing interagency agreement.","S020 §1070.41(e)."],["R091-P1-C089","SubpartD does not govern requests for official information made under SubpartsB, C, orE. Full public-access, disclosure-exception, privilege, and request procedures remain outside this pass.","S020 complete §1070.40; §1070.41(a)’s exceptions."],["R091-P1-C090","Both the current §1070.2(i)(4) and the examined 2020 adopted text print “12 U.S.C. 5414(b)(1)(C)”. Section5514(b)(1)(C) separately contains the relevant risk-assessment language. The apparent numerical mismatch is recorded, not judicially or editorially repaired here.","S020 §1070.2(i)(4); S021 P75217/I23; S002 §5514(b)(1)(C)."],["R091-P1-C091","Section5512(c)(6) mandates confidentiality rules and provides conditional interagency access to examination reports, including reasonable confidentiality assurances and jurisdiction predicates. It does not grant the public unconditional access to supervisory records.","S004 §5512(c)(6)(A)–(C), read with(c)(8)–(9); S020."],["R091-P1-C092","Meeting the regulatory definition, receiving an agency status determination, and actually undergoing a current examination are distinct matters. A public legal criterion proves none of the missing organization-specific events.","S001 §§.100–.103; S002 §5514(b)(1)–(2); bounded inference."],["R091-P1-C093","Larger-participant status does not itself establish licensing, current registration, verified identity, ownership, lawful practices, quality, solvency, or government endorsement. Separate statutory powers to impose requirements do not prove their exercise or satisfaction.","S001; S002 §5514(b)(7); S004 §5512(c)(7); bounded inference."],["R091-P1-C094","The selected provisions supply no basis here to declare a private cause of action, penalty amount, damages, refund, cancellation, discharge, invalid contract, collection defense, or actual recovery. Those propositions require separate complete authority and predicates.","S001 selected body; S002 §5514(c); explicit limits of this investigation."],["R091-P1-C095","Federal market classification does not complete State, tribal, territorial, foreign, licensing, debt-validity, FDCPA, litigation, or provider-profile analysis. An exclusion from this test is not a conclusion about all other laws.","S002 §5514(a),(c)–(f); S008; S001’s bounded purpose."],["R091-P1-C096","Currentness is qualified by the eCFR/statutory cutoffs, unsuccessful original-correction access, the two stated cross-reference discrepancies, incomplete tax-return incorporations, and absence of a judicial/later-law certification. No failure is treated as repeal, legal absence, or proof that no later development exists.","S001–S021 and the read/failure log below."]]},{"headers":["Comparison","Supported distinction and consequential limit","Claims and exact sources"],"index":8,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Comparison","Supported distinction and consequential limit","Claims and exact sources"],["Debt-collection market / every creditor","Creditor status and debt-collector status have distinct definitions. The market also requires consumer-purpose debt and a consumer-financial-product/service relationship.","C032–C035; S001 §.105(a)."],["Debt purchase / source-defined collection","Purchase or ownership is not a substitute for the collection predicates. The principal-purpose branch and other-owed-debt branch must be kept separate.","C025, C034, C040; S003 §5481(15)(A)(i); S001 §.105(a)."],["Servicing / covered collection","The exclusion turns on origination or nondefault status when obtained, to the stated extent. A servicing label does not resolve that condition.","C038; S001 Debt collector(iii); S013 P65782/I7."],["Statutory affiliate / aggregated affiliated company / related collector","The statutory affiliate definition, Part1090 company/control definition, and related-party collector exclusion perform different functions and have different predicates.","C019–C023, C036, C052; S001 §§.101,.105; S003 §5481(1)."],["Individual entity / affiliate aggregation","Separate receipts computations are combined; current legal separation does not override whole-period acquisition or former-affiliate rules.","C052–C055; S001 Annual receipts(iii)(A)–(D)."],["Receipts / assets","The selected market threshold uses receipts. The separate insured-institution exclusions use an asset boundary. The bases cannot be substituted.","C017, C043–C058; S005; S001."],["Receipts / portfolio balance / profit","The receipt base is the prescribed income-plus-COGS measure with exclusions, market attribution, and aggregation. Neither nominal debt balance nor net profit is designated as the §.105 threshold base.","C043–C059; S001 Annual receipts and(b)."],["Collections for another / earned fees","Pass-through amounts collected for another are excluded, while earned collection fees remain included.","C046; S001 Annual receipts(i)."],["Historical measurement / current business activity","The rule uses completed fiscal periods or whole-period annualization. It does not prescribe a universal current-calendar-year snapshot for this market.","C042, C049–C055, C059; S001."],["Threshold boundary / continuing status","“More than” is strict. A current result at or below the boundary does not alone extinguish status retained under §.102.","C058–C061; S001 §§.102,.105(b)."],["Medical-receipts exclusion / all-law exemption","The express exclusion concerns receipts from debt originally owed to a medical provider. It does not adjudicate debt validity or every supervisory/enforcement route.","C056, C078, C095; S001; S002 §5514(a)."],["Status procedure / present examination","Section.103 supplies a status-assessment process following the specified communication and permits pre-initiation information requests. No actual communication, determination, or examination is established.","C062–C070, C092; S001 §.103."],["Supervision / registration or license","Statutory supervision and separate registration-rule authority are not a single status. No registration, professional license, or certification follows from the definition.","C013, C072–C077, C093; S001; S002; S004."],["Agency determination / compliance","Determining that a person falls within the category concerns supervisory coverage; supervision’s purposes include assessing compliance. The classification itself is not the compliance result.","C067, C072, C092–C093; S001 §.103(c); S002 §5514(b)(1)."],["Approval or listing / endorsement","The selected rule creates no provider-endorsement mechanism. Statutory authority to prescribe legitimacy-related requirements is not proof of approval or satisfaction.","C076–C077, C093; S002 §5514(b)(7); S004 §5512(c)(7)."],["Preamble / adopted regulation","Preambles explain apportionment and procedure, but current adopted wording controls the reported rule. Proposals and agenda milestones do not amend it.","C009–C010, C057, C071; S012–S018; S001."],["Federal criterion / other-law jurisdiction","This criterion does not complete other federal exemptions, State licensing, tribal or territorial law, foreign law, or debt merits.","C079–C082, C095; S002, S008."],["Public-source authentication / provider profile","Authentication establishes the legal source and its limits. It does not verify any actor’s identity, finances, ownership, status, practices, or suitability.","C092–C096; S001–S021."]]},{"headers":["Measurement ID","Source-stated measure, actor/base, and boundary","Trigger, cumulative conditions, exceptions, and counting limits","Authority"],"index":9,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Measurement ID","Source-stated measure, actor/base, and boundary","Trigger, cumulative conditions, exceptions, and counting limits","Authority"],["R091-P1-M001","More than $10 million; nonbank covered person’s defined annual receipts from consumer debt collection; strict >, not ≥.","Requires the complete market, receipt, period, and affiliate predicates. Equality does not satisfy this test, but §.102/other authority remains separate. Dollars are the rule’s dollar-denominated measure; no inflation update or rounding rule supplied.","C032–C058; S001 §.105(a)–(b)."],["R091-P1-M002","25 percent or more of any class of voting securities/similar ownership interest; inclusive boundary.","Direct, indirect, or through one or more persons; only one alternative control route. No actual class, voting power, or ownership established.","C021; S001 §.101, Affiliated company(2)(i)."],["R091-P1-M003","Majority of directors, trustees, members, or general partners elected under the person’s control.","Alternative to percentage ownership and controlling influence. The rule’s word “majority” is retained; no invented board or seat count.","C022–C023; S001 §.101(2)(ii)–(iii)."],["R091-P1-M004","Fiscal year: 12 consecutive months, ending on a month’s last day except December31.","IRS-attributed definition recited in the rule. Actual tax/accounting period absent.","C042; S001 §.101, Completed fiscal year(1); S019."],["R091-P1-M005","Calendar year: 12 consecutive months ending December31.","Distinct from an automatic debt-collection measurement date.","C042, C059; S001 §.101(2)."],["R091-P1-M006","Short tax year: less than12 months.","It is a completed fiscal year for this rule, but is not an annual accounting period under the recited definition.","C042; S001 §.101(3)–(4)."],["R091-P1-M007","Three or more completed fiscal years in business; receipts over the three most recently completed fiscal years ÷3.","Inclusive category boundary at three completed years. Subject to the short-year branch. Not automatically three calendar years.","C049; S001 Annual receipts(ii)(A),(C)."],["R091-P1-M008","Less than three completed fiscal years; entire-business-period receipts ÷weeks in business ×52.","Strict category boundary. Dollar receipts divided by weeks and multiplied by the source’s annualization factor. Partial-week/zero-denominator/rounding conventions not established.","C050, C059; S001 Annual receipts(ii)(B)."],["R091-P1-M009","At least three completed years, with one short year plus two full fiscal/calendar years; total receipts ÷total weeks ×52.","Specific short-year condition. Multiple-short-year edge cases and detailed week counting remain unresolved.","C051, C059; S001 Annual receipts(ii)(C)."],["R091-P1-M010","Add the person’s measure and each affiliated company’s separately calculated annual receipts.","No uniform group fiscal period is required by the text; insured-institution exclusions and market attribution apply. No intercompany-accounting elimination convention independently established.","C020, C052, C054, C057; S001 Annual receipts(iii)(A),(C)."],["R091-P1-M011","Acquisition affiliation during a measurement period: entire-period aggregation.","Not prorated to time after acquisition. Exact event and measurement periods absent.","C053; S001 Annual receipts(iii)(B)."],["R091-P1-M012","Former affiliation ending before the period: exclusion; ending during it: entire-period aggregation.","The distinction is event-relative, not merely “currently affiliated/not affiliated.”","C055; S001 Annual receipts(iii)(D)."],["R091-P1-M013","Status continues until two years from the first day of the tax year in which the person last met the applicable test.","Anchor is the first day of that tax year; no actual tax year or last qualifying event supplied. Not two years from a letter or acquisition.","C060–C061; S001 §.102."],["R091-P1-M014","Within45 days of the date of the communication for the §.103(a) response; nonresponse consequence in(b).","Requires receipt of the specified written initiating communication. Electronic response and affidavit conditions apply. Section(e) permits discretionary modification. Calendar/business-day and receipt conventions not specified here.","C063–C066, C069–C070; S001 §.103(a),(b),(e)."],["R091-P1-M015","Information-request response: within the period specified in the request.","Request may precede initiation; no universal numeric period. Discretionary modification under(e) remains relevant.","C068–C069; S001 §.103(d)–(e)."],["R091-P1-M016","Review occurs and statement follows “thereafter”; no numeric decision deadline in §.103(c).","No invented turnaround period, automatic stay, or deemed favorable outcome.","C067, C070; S001 §.103(c)."],["R091-P1-M017","More than $10 billion in assets under §5515(a); $10 billion or less under §5516(a).","Different institutional exclusion bases; §5515(a) expressly includes affiliates. Not the §.105 receipts threshold.","C017; S005."],["R091-P1-M018","Examinations/reports on a periodic basis.","Risk-based factors apply; no nationally fixed examination interval is stated.","C072–C073; S002 §5514(b)(1)–(2)."],["R091-P1-M019","Incorporated bank-service notice: 30 days after the earlier of contract formation or performance.","§1867(c)(2) addresses the specified depository institution’s notice concerning authorized services under that chapter. This is not asserted as a general nonbank Part1090 notice duty.","C080; S007 §1867(c)."],["R091-P1-M020","IRS publication discusses a 52–53-week tax year as an accounting-period category.","Instructional context only; no assumption that a particular actor uses it or that unresolved Part1090 week-count conventions are thereby settled.","C042, C048–C059; S019 selected heading."]]},{"headers":["Measurement ID","Quantity/date and legal role","Conditions and limits","Authority"],"index":10,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Measurement ID","Quantity/date and legal role","Conditions and limits","Authority"],["R091-P1-M021","July21,2010 enactment; default effectiveness one day after enactment under §4.","Express exceptions control. §§1022 and1024 instead take effect on enactment under §1029A.","C011; S009 §§4,1029A."],["R091-P1-M022","July21,2011 designated transfer date; notice published September20,2010.","Historical statutory transfer date, not an organization’s compliance or response date.","C011; S011."],["R091-P1-M023","Initial larger-participant rule: not later than one year after the designated transfer date.","Duty on the Bureau to issue its initial rule after FTC consultation; not a recurring business deadline.","C013; S002 §5514(a)(2)."],["R091-P1-M024","Bureau/FTC coordination agreement: not later than six months after the designated transfer date.","Historical agency-agreement duty; no agreement’s actual terms or current operation investigated.","C079; S002 §5514(c)(3)(D)."],["R091-P1-M025","Historical transfer designation authority: designation within 60 days after enactment; ordinarily no earlier than 180 days and no later than 12 months after enactment; extended date cannot exceed 18 months.","§1062 requires consultation/publication; extension beyond12 months requires the specified written determination, explanation, and implementation description to Congress. No calendar computation supplied.","S009, complete §1062(a)–(c), P2039–2040/I664–665."],["R091-P1-M026","General rule: published July20,2012, effective September30,2012.","Historical adoption of selected general provisions; later officer amendment separately applied.","C004; S012."],["R091-P1-M027","Debt-collection rule: published October31,2012, effective January2,2013.","Adopted date clause and IV.B read. Proposed/comment-requested alternatives are not present duties.","C005; S013."],["R091-P1-M028","Correction: published December7,2012, states effective January2,2013.","Earlier readable rendition; original PDF remains unavailable. Four correcting instructions are historical amendment operations, not four business obligations.","C006, C010; S014."],["R091-P1-M029","Statutory amendment approved September26,2014.","No separate delayed date in the complete read Act; do not infer any actual agency action that day.","C012; S010."],["R091-P1-M030","Amendment published June30,2015, effective August31,2015.","Selected §.101 and former-affiliate amendments only.","C007; S015."],["R091-P1-M031","Confidentiality amendment published November24,2020, effective December24,2020.","Selected adopted definitions and §§.40–.41 only.","C083–C091; S021."],["R091-P1-M032","Procedural-officer amendment published/effective November29,2024.","No new electronic-response requirement inferred from this amendment.","C008; S016."],["R091-P1-M033","Annual CFR edition January1,2025; IRS instruction revision January2022.","Edition/revision labels are not evidence of a new Part1090 effective date or a completed later-law chain.","C002, C048; S001, S019."],["R091-P1-M034","ANPRM published August8,2025; comments required received on or before September22,2025.","Historical, inclusive receipt boundary for that notice only. No comment, contact, or submission performed. No adopted threshold change.","C009; S017."],["R091-P1-M035","Agenda display PublicationID2026; planned NPRM09/00/2026.","The “00” entry is not a real day-specific deadline or proof of publication. URL parameter and display differ.","C009; S018."],["R091-P1-M036","Final eCFR cutoff October26,2026; Title12-wide last-amended label October23,2026. Earlier captures displayed October21/22 and a Title12 amendment label October2.","Displayed compilation metadata changed during access. Selected bodies were reread; none of these title-wide labels alone identifies an amendment to §.105.","C002, C096; S001, S020."],["R091-P1-M037","Accessible Code cutoff October15,2026, PL119-124.","Not a certification through the actual research date.","C003; S002–S008."],["R091-P1-M038","Actual access October28,2026, America/Los_Angeles.","Research-session date only; not a publication, effective, transaction, notice, or response date.","Session access record; all source entries."]]},{"headers":["Branch","Supported conditional rule and exact links","Missing authority or predicate","Adverse inference to avoid","Next permissible generic public-law inquiry"],"index":11,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Branch","Supported conditional rule and exact links","Missing authority or predicate","Adverse inference to avoid","Next permissible generic public-law inquiry"],["B001 — Current version unknown (P)","Use the accessed §.105 body with its recorded cutoff; an agenda entry does not replace it. C001–C003,C009,C096; S001,S017–S018.","Post-cutoff adopted-law/status chain.","“A current-looking page certifies all later law.”","Check later official Federal Register adopted instruments specifically amending §§.100–.103 or .105."],["B002 — Official original unavailable (P)","Failed correction-PDF access leaves original authentication incomplete despite earlier readable government rendition. C006,C010,C096; S014.","Original correction publication body in readable official PDF/issue format.","Failure means repeal or absence.","Reopen the original publication through an ordinary accessible official publication route."],["B003 — Nonbank covered-person category unknown (A/H)","Offering/providing a consumer financial product/service, or qualifying affiliate service provision, is required subject to exclusions. C016–C018; S001 §.101; S003,S005.","Product/service and institutional category.","Every collector label establishes nonbank coverage.","Re-read the complete applicable §5481 definition and §§5515(a)/5516(a) boundary."],["B004 — Person category (A/H)","The definition extends beyond corporations to the listed legal forms. C014; S001 §.101; S003(19).","Legal category only; no actor supplied.","Only incorporated firms can fall within the rule.","Examine whether a disputed generic legal form fits the published Person definition."],["B005 — Consumer relationship (A/H)","The consumer category includes an individual’s agent/trustee/representative. C015; S001; S003(4).","Consumer and representative-role predicates.","A representative label proves authority or makes every obligation consumer debt.","Read the definition’s relationship to §.105’s debt-purpose condition."],["B006 — Financial-product/service connection (A/P)","The two statutory/regulatory routes and material exclusions must be satisfied. C024–C031; S001 §.101; S003(5),(15).","Applicable product category; unresolved nested sector rules.","Every bill or receivable is a consumer financial product/service.","Read only the complete generic public incorporation for the identified legal category."],["B007 — Consumer purpose unknown (A/H)","Debt must have been incurred primarily for personal, family, or household purposes and relate to a qualifying product/service. C032; S001 §.105(a).","Purpose and product relationship.","An individual obligor automatically means consumer-purpose debt.","Examine official generic interpretation of the precise purpose phrase, without records."],["B008 — Creditor classification (A/H)","The defaulted-transfer-for-another exception qualifies the creditor definition. C033; S001 Creditor.","Origination/ownership/assignment purpose and default category.","Being owed an obligation always settles the creditor/collector distinction.","Read the complete definition beside the collector alternatives."],["B009 — Principal-purpose route (A/P)","Interstate-commerce/mail use in a principal-purpose collection business is one route. C034,C041; S001 Debt collector.","Principal-purpose meaning/application.","Ownership of debt automatically defeats this route.","Seek a narrowly scoped official generic interpretation of that phrase; hold judicial merits."],["B010 — Regular collection for another (A/P)","The alternative includes attempts and asserted debts, direct or indirect, subject to exclusions. C034,C038; S001.","Regularity, activity, other-person relationship.","A collection attempt proves a valid debt or actual liability.","Read the full generic definition and its activity-qualified exceptions."],["B011 — Alternate-name creditor (A/H)","Different-name own-debt collection indicating a third collector invokes the express inclusion. C035; S001.","All representation and activity predicates.","Every creditor is included, or every creditor is excluded.","Examine the complete statutory-category wording without testing communications."],["B012 — Related collector exception (A/H)","Relationship, exclusive collection for related persons, and noncollection principal business are cumulative. C036; S001 Debt collector(i).","Each cumulative predicate.","Common ownership alone establishes the exclusion.","Compare this exception with §.101’s aggregation definition."],["B013 — Nonprofit exception (A/H)","Nonprofit status, consumer request, bona fide counseling, and receipt/distribution assistance are required. C037; S001 Debt collector(ii).","Activity and consumer-request categories.","Nonprofit status alone exempts all activity.","Read the complete exception and the separate product/service definition."],["B014 — Originated debt (A/H)","The exception applies to the specified collection activity concerning debt originated by that person. C038; S001 Debt collector(iii)(A).","Origination and activity categories.","Any later ownership is equivalent to origination.","Examine the exact scope of “originated” in available generic official interpretation."],["B015 — Nondefault when obtained (A/P)","Default status when obtained, not merely a present label, controls this exclusion. C038,C041; S001(iii)(B); S013.","Meaning of default; acquisition-time condition.","All servicing is excluded or all later-default collection included.","Read the complete official generic servicing explanation and preserve unresolved default questions."],["B016 — Security-interest-only activity (A/P)","Exclusion requires activity solely enforcing a security interest. C039; S001(iv).","Whether additional collection activity exists; legal boundaries held.","Any secured obligation creates a blanket exclusion.","Seek only generic public clarification of the word “solely”; no instrument review."],["B017 — Debt buyer/owner category (A/P)","Apply the actual definition and exclusions; ownership alone is not dispositive. C025,C034,C040; S001,S003.","Defined activity and acquisition/default predicates.","Buyer label proves either coverage or immunity.","Compare complete principal-purpose and other-owed-debt clauses without case research."],["B018 — Affiliated company (A/H)","Use the company/control definition and insured-institution exclusions. C019–C023; S001 §.101.","Legal form and control category.","Statutory affiliate, “related person,” and aggregated company are interchangeable.","Read each distinct definition and its assigned function."],["B019 — Ownership below percentage route (A/H)","Failure of the25-percent route does not settle election-control or influence routes. C021–C023; S001.","Alternative control predicates.","Less than25 percent proves no affiliation.","Examine the complete three-alternative control definition."],["B020 — Institutional exclusion (A/P)","§§5515(a)/5516(a) differ in asset boundary and affiliate wording. C017–C018; S005–S006.","Insured category and exact statutory relationship.","All bank-related affiliates are automatically treated alike.","Trace only the indispensable institutional-definition clause; hold full banking law."],["B021 — Receipt base unknown (P)","Use prescribed income/gross-income plus COGS, not a chosen business metric. C043,C048; S001,S019.","Complete applicable IRS classification/instructions.","Revenue, cash recovery, profit, and assets are interchangeable.","Read the complete necessary public IRS income/COGS instructions for the legal return category."],["B022 — Pass-through and fee distinction (A/P)","Collected-for-another amounts are excluded; earned collection fees remain included. C046; S001(i).","Classification of receipt categories.","Exclude all collected cash, or count all gross collections uniformly.","Examine generic official treatment of the two receipt categories, not actual books."],["B023 — Tax/capital/cost exclusions (A/P)","Apply each express exclusion and inclusion separately. C044–C047; S001(i).","Tax incidence, remittance, income inclusion, and cost categories.","All expenses or taxes can be subtracted.","Read the precise rule and necessary IRS definitions for the unresolved category."],["B024 — Medical-origin receipts (A/P)","Exclude receipts from debt originally owed to a medical provider. C056,C041; S001(iii)(E).","Original-obligee legal category and term meaning.","All medical-associated activity is outside every law.","Seek generic official interpretation of the receipts exclusion only."],["B025 — Market apportionment (A/P)","Count receipts attributable to defined consumer debt collection for person and affiliates. C057; S001(b); S013 P65790.","Attribution category and accounting authority.","All business revenue necessarily belongs in this market.","Read the complete apportionment explanation and any later adopted clarification."],["B026 — Three-year branch (A/H)","At least three completed years ordinarily invokes the three-most-recent-years average, subject to short-year treatment. C042,C049,C051; S001.","Completed-year category.","Three completed tax years always means three calendar years.","Compare §.101’s definitions with all paragraph(ii) branches."],["B027 — Younger business branch (A/P)","Less than three completed years invokes whole-business-period receipts divided by weeks, times52. C050,C059; S001(ii)(B).","Weeks, receipt classifications, counting conventions.","Use a selected recent interval or an invented rounding rule.","Read generic official guidance on any unresolved week-count convention."],["B028 — Short tax year (A/P)","The specific short-year/two-full-year rule controls when its predicates hold. C051,C059; S001(ii)(C).","Short-year structure; multiple-short-year ambiguity.","Divide any three periods by three without examining the exception.","Seek a complete official interpretation of the unresolved short-year configuration."],["B029 — Separate affiliate periods (A/P)","Calculate separately even if periods differ, then aggregate. C052,C054; S001(iii)(A),(C).","Each legal period and citation discrepancy.","Force a consolidated uniform fiscal period without authority.","Authenticate the correction chain and paragraph(ii) cross-reference."],["B030 — Acquisition during period (A/H)","Aggregate for the whole period if the specified acquisition affiliation arose during it. C053; S001(iii)(B).","Event/period relationship.","Count only post-acquisition receipts.","Re-read the complete event-relative aggregation clause."],["B031 — Former affiliate (A/H)","Before-period cessation excludes; during-period cessation retains whole-period aggregation. C055; S001(iii)(D); S015.","Cessation’s relation to the legal period.","Current separation removes all historical receipts.","Compare the adopted2015 clause with current text."],["B032 — Exact threshold equality (A/H)","Equality does not meet “more than”; continuing status and other authority remain separate. C058,C060,C078; S001,S002.","Defined annual receipts and prior qualifying period.","Equality establishes universal absence of supervision.","Examine §.102 and §5514’s separate coverage routes."],["B033 — Continuing status (A/H)","The statutory-rule anchor is the first day of the tax year in which the applicable test was last met. C060–C061; S001 §.102.","Tax-year/last-qualifying relationship.","Two years always runs from a supervisory notice.","Read the complete duration clause and selected adoption explanation."],["B034 — Written initiation absent (A/H)","The specified received written communication opens §.103(a)’s response route. C063–C064; S001.","No communication or date supplied.","Public category research proves an examination was initiated.","Read only generic §.103 procedure and its trigger."],["B035 — Affidavit/supporting material (A/H)","Affidavit is required for the response; attachments may be included, but omitted arguments/material face the stated waiver consequence. C064–C065; S001(a)–(b).","Submission predicates absent.","Optional attachments mean omission can never matter.","Compare the complete adjacent(a),(b), and(e) clauses."],["B036 — Nonresponse (A/H)","The rule states deemed acknowledgment after failure to respond within the prescribed period, subject to modification authority. C066,C069; S001.","Actual notice/response/modification facts absent.","It admits misconduct, debt validity, or all jurisdictional questions.","Read the exact scope of the acknowledgment provision."],["B037 — Director review (A/P)","Required review includes relevant additional information and an explanatory electronic statement. C067,C070; S001(c).","No formal burden, decision deadline, or review outcome supplied.","Assume a trial, automatic reversal, or fixed turnaround.","Identify any later generic adopted procedural clarification; hold judicial remedies."],["B038 — Pre-initiation information request (A/H)","The Director may request assessment information before formal initiation; the request specifies the response period. C068–C069; S001(d)–(e).","Request and prescribed period absent.","Only an already-proven larger participant may ever receive a status-information request.","Read the complete assessment authority and applicable statutory limitations."],["B039 — Extension/counting issue (A/P)","Time modification is discretionary; no calendar/business-day or receipt convention is supplied by §.103 itself. C069–C070; S001(e).","Complete applicable counting authority.","Import another Part’s business-day definition or compute a date.","Seek a generic rule expressly governing this procedure’s time computation."],["B040 — Later-year dispute (P)","Preamble footnote45 describes later challenge possibilities after declining receipts and outside the continuation period. C071; S012 P42882.","Any controlling later adopted or judicial treatment.","Treat preamble explanation as a universal judicial remedy.","Examine only later public rulemaking clarification within scope; hold cases."],["B041 — Confidentiality/publication (A/P)","Supervisory information may be confidential under specified definitions and exceptions; no public-directory entitlement follows. C083–C091; S020–S021,S004.","Full applicable disclosure exception or access regime.","Everything is public, or nothing can ever be disclosed.","Read the narrow complete Part1070 exception if a generic disclosure question is separately scoped."],["B042 — Cross-reference inconsistency (P)","The .105 example and1070.2(i)(4) discrepancies remain visible. C010,C090; S001,S014,S020–S021.","Authentic corrective or intervening adopted instrument.","Silently substitute a preferred citation.","Search only official correction/amendment bodies for the precise clause."],["B043 — Service provider (A/P)","Material service, statutory exceptions, own-product rule, and §5514(e) analogy are distinct. C027–C029,C080; S003,S002,S007.","Nested bank-service/application authority.","Every vendor is a service provider or inherits a bank’s notice duty identically.","Complete only the indispensable public incorporation before stating an operational duty."],["B044 — Professional category (A/P)","The practice-of-law limit has activity, relationship, and preserved-authority qualifications. C082; S008(e),(n).","State-law practice boundary and enumerated-law application.","A license is blanket immunity or proof of supervision.","Read generic statutory exceptions; hold professional records and judicial classifications."],["B045 — Other supervision/enforcement (A/P)","Failing this market test does not resolve the other §5514 routes or all enforcement authority. C078–C081; S002.","Separate route’s complete predicates/incorporations.","Below-threshold status means every federal authority disappears.","Examine the particular generic statutory route only if separately scoped."],["B046 — Registration/license/legitimacy (A/H)","Definition, supervision, registration, licensing, and legitimacy requirements are distinct. C076–C077,C092–C093; S001–S004.","No registration, license, verification, or compliance evidence.","A category or listing is endorsement.","Read public implementing authority without consulting any roster or entity record."],["B047 — Penalty/private remedy (H)","No amount, private claim, cancellation, or recovery follows from the selected criterion alone. C094; S001,S002(c).","Complete substantive enforcement/remedy law.","Supervision guarantees compensation or invalidates a debt.","Identify the exact separately scoped public remedy provision before any claim."],["B048 — Broader A091 profile (H)","Public legal categories do not establish actual ownership, service, contact, hardship practice, complaints, negotiation policy, or litigation position. C092–C096.","All profile facts and other legal regimes are outside this pass.","This report authenticates or recommends a provider.","Define a separate generic methodology component; no identifying inquiry is authorized here."]]},{"headers":["Field label","Authority entry","Evidence entry","Analysis","Result"],"index":12,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Field label","Authority entry","Evidence entry","Analysis","Result"],["Public authority","","","",""],["Issuer and instrument","","","",""],["Version and displayed cutoff","","","",""],["Legal status","","","",""],["Access and read bounds","","","",""],["Printed page and PDF index","","","",""],["General scope category","","","",""],["Person or company category","","","",""],["Consumer category","","","",""],["Consumer financial product or service category","","","",""],["Nonbank covered-person condition","","","",""],["Institutional exclusion","","","",""],["Creditor category","","","",""],["Debt-collector alternative","","","",""],["Activity-qualified exception","","","",""],["Affiliate or control criterion","","","",""],["Receipt-base definition","","","",""],["Receipt exclusion","","","",""],["Market attribution","","","",""],["Accounting incorporation","","","",""],["Completed fiscal-period category","","","",""],["Short-period condition","","","",""],["Quantity and unit","","","",""],["Numerator and denominator","","","",""],["Strict or inclusive boundary","","","",""],["Aggregation rule","","","",""],["Acquisition or cessation trigger","","","",""],["Continuing-status condition","","","",""],["Procedural actor","","","",""],["Communication trigger","","","",""],["Response and delivery condition","","","",""],["Evidence or affidavit requirement","","","",""],["Waiver or acknowledgment qualification","","","",""],["Discretion or modification","","","",""],["Confidentiality or publication boundary","","","",""],["Adoption and application history","","","",""],["Cross-reference discrepancy","","","",""],["Source-access gap","","","",""],["Other-law or remedy limit","","","",""],["Missing public authority","","","",""],["Next permissible generic inquiry","","","",""]]},{"headers":["Question/material subquestion","Coverage","Findings, claims, sources, branches","Missing evidence or authority","Exact next permissible generic inquiry"],"index":13,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Question/material subquestion","Coverage","Findings, claims, sources, branches","Missing evidence or authority","Exact next permissible generic inquiry"],["1 — Existence, heading, complete selected body","Answered","C001; S001; B001","None for the accessed body.","Check only later adopted changes to the selected provisions."],["1 — All nested receipt/collector definitions and exclusions","Answered, application excluded","C032–C059; S001; B007–B032","No activity or accounting facts.","Resolve a specific generic undefined term through official interpretation if necessary."],["1 — Current operative/status chain through access date","Partial","C002–C010,C096; S001,S012–S018; B001–B002,B042","Post-cutoff history; original correction PDF; no judicial-status audit.","Check official later adopted instruments and original correction availability."],["1 — Proposed, future, withdrawn, repealed, stayed distinctions","Partial","C009,C096; S017–S018","No adopted replacement authenticated; absence of a stay/repeal is not exhaustively certified.","Examine a specific later official status instrument if located; do not infer from an announcement."],["2 — Genuine indispensable general sections","Answered","C001,C013–C031,C060–C070; S001 §§.100–.103","Other markets deliberately excluded.","Read another market only under a separate scope."],["2 — Covered person, consumer, product/service, person","Answered at definition level; partial nested regimes","C014–C031; S001,S003–S006; B003–B006","Sector-specific incorporations and all application facts.","Complete the exact public incorporation for a disputed legal category."],["2 — Debt ownership, creditor, collection and servicing","Answered at text level; disputed edges partial","C032–C041; S001,S013; B007–B017","Default/principal-purpose/regularity edge meanings.","Seek narrow generic official clarification; retain judicial questions."],["2 — Affiliate/company/control/related-party differences","Answered","C019–C023,C036,C052–C055; S001,S003; B018–B020","No relationship/control facts.","Compare the distinct complete definitions without a group profile."],["2 — §5514 authority and exclusions","Answered at selected statutory level; wider regime partial","C013,C017–C018,C072–C082; S002,S005–S008","Full §5581, other exclusions, and transferred laws.","Read the particular indispensable exception before asserting broader authority."],["3 — Exact amount and equality","Answered","C058; M001; S001(b); B032","Defined receipt amount absent.","No calculation; complete accounting definitions first."],["3 — Base, taxes, capital amounts, fees, costs","Answered as regulatory rules; accounting partial","C043–C048; S001(i),S019; B021–B024","Return-specific income/COGS and recognition authority.","Read complete relevant public IRS instructions."],["3 — Measurement periods and annualization","Answered as written; edge conventions partial","C042,C049–C051,C059; M004–M009; B026–B028","Partial weeks, rounding, multiple-short-year issues.","Locate a complete official generic interpretation of the unresolved convention."],["3 — Affiliate aggregation and different periods","Answered","C052–C055; M010–M012; B029–B031","No relationships, periods, or events.","Authenticate the precise clause and correction history; no financial entries."],["3 — Medical exclusion and market apportionment","Answered at rule level; classification partial","C056–C057; S001,S013; B024–B025","Medical-provider/market attribution categories.","Read narrow official interpretation, not actual accounts."],["3 — Populated calculation or ranking","Excluded","C048,C059; measurement register","User prohibits invented/actual financial inputs.","No model follows from this pass."],["4 — Larger-participant definition and duration","Answered","C060–C061; S001 §§.101–.102; B033","Last qualifying tax year absent.","Read any later adopted change to the duration rule."],["4 — Measurement date and continuing interval","Answered as written; actual date excluded","C049–C061; M007–M013","No universal snapshot or application chronology.","Resolve only generic timing conventions; do not compute a date."],["4 — Status versus examination, registration, legitimacy","Answered distinction; actual status excluded","C072–C077,C092–C093; B046","No actual supervisory or registration evidence.","Read public implementing authority only."],["5 — Challenge actor, trigger, response and affidavit","Answered","C062–C064; S001 §.103(a); B034–B035","No communication, receipt, response, or delegate facts.","Re-read the complete procedure without preparing a submission."],["5 — Evidence, waiver, nonresponse, outcome","Answered as text; judicial reach partial","C065–C067,C071; S001,S012; B035–B040","No formal stated proof standard; later judicial treatment held.","Read later generic adopted procedural clarification if any."],["5 — Information demand and time modification","Answered","C068–C070; S001(d)–(e); B038–B039","Request-specific period and counting authority.","Find an expressly applicable generic computation provision before asserting a deadline."],["5 — Confidentiality and publication boundary","Partial, bounded inquiry completed","C083–C091; S004,S020–S021; B041–B042","Full disclosure exceptions, FOIA/privacy/privilege regimes.","Read only the indispensable complete exception if separately scoped."],["5 — Formal appeal, stay, hearing, fixed decision period","Unresolved beyond selected text","C070–C071; S001,S012","No such route established in §.103.","Identify separate public procedural authority without case searches."],["6 — Original statute and material statutory amendment","Answered for selected clauses","C011–C012; S009–S011","Complete later-law history not claimed.","Check later enacted amendments to the precise clauses."],["6 — Original general and debt rules","Answered","C004–C005; S012–S013","Whole preambles and empirical foundations not adopted.","No expansion necessary for the stated adopted rules."],["6 — Correction and cross-reference chain","Partial","C006,C010,C090; S014,S020–S021; B002,B042","Unavailable correction original; unexplained current reference difference.","Authenticate official correcting text and any intervening amendment."],["6 — 2015 and2024 amendments","Answered","C007–C008; S015–S016","No actual implementation evidence.","Check later amendments only to selected clauses."],["6 — Later reconsideration/proposal and agenda","Answered as status; complete later chain partial","C009,C096; S017–S018","Agenda is not publication; no exhaustive post-cutoff certification.","Open any actual later NPRM/final rule before assigning legal effect."],["6 — Sunset/repeal/stay","Partial","C009,C096; S001,S017–S018","No automatic sunset in selected text; full judicial/status review held.","Examine a specific official later instrument if it exists in accessible public sources."],["7 — Supervision/reporting/risk-based limits","Answered","C072–C076; S002(b); B045","No actual examination or compliance result.","Separate any additional generic statutory route."],["7 — Other authority, exclusivity and service providers","Partial","C078–C082; S002,S007–S008","Full §5581/bank-service/enumerated-law incorporations.","Complete the indispensable clause before expanding an authority claim."],["7 — Licensing, prohibited conduct, private remedy, penalties","Excluded beyond necessary distinction","C077,C092–C095; B046–B047","Separate substantive law and all facts.","Identify an exact separately scoped public provision; no amount or remedy inferred."],["8 — All requested comparisons","Answered within bounds","Comparison table; C013–C095","Actual provider/profile evidence excluded.","Separate any future generic methodology question from identifying research."],["8 — Other jurisdictions and remaining A091 work","Excluded with reason","C095; B048","Outside authorized federal criterion.","No named-company or jurisdiction-specific investigation in this pass."],["9 — Complete relied-on quantities and dates","Answered","M001–M038","Actual values/calendars absent; specified conventions unresolved.","Resolve only missing public conventions, without supplying inputs."],["9 — Numerical illustration/model","Excluded as unnecessary","C048,C059; M007–M009","Tax accounting and actual inputs not established.","Preserve qualitative branches."],["10 — At least24 substantive branches","Answered","B001–B048","Each row states its specific gap.","Follow only its generic public-law inquiry, if separately needed."],["10 — Wholly blank worksheet","Answered","Section6","No fields populated.","No intake, certification, profile, or operational use is established."]]},{"headers":["Read group","What was actually read","Limit retained"],"index":14,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Read group","What was actually read","Limit retained"],["S001","Complete current §§1090.100–.103 and .105, including authority and source notes; corresponding selected2025 annual-CFR bodies. Final current body reread after the banner refreshed to10/26.","Other markets not investigated; annual edition is historical; eCFR is not the official legal edition."],["S002","Complete §5514(a)–(f) and material notes.","Incorporated regimes not automatically completed."],["S003–S008","Complete selected definitions, institutional exclusions, rulemaking/confidentiality/registration clauses, service-provider incorporation, and selected authority limitations identified in the register.","No complete TitleX, FDIA, credit-union, bank-service, attorney-practice, or enforcement dossier."],["S009–S011","Complete selected enacted/effective clauses, complete2014 Act, and operative transfer-date designation.","Not the entire Dodd-Frank Act or every historical amendment."],["S012–S013","Complete relevant adopted general/debt provisions and date clauses; bounded complete explanatory sections.","Underlying empirical sources, named comments, and cited opinions were not investigated."],["S014","Earlier successful complete correction rendition, including all four instructions.","Official original PDF authentication failed; later rendition access reached a security gate."],["S015–S016","Complete relevant adopted amendatory instructions and date clauses.","Other markets and other amended procedural Parts excluded."],["S017–S018","Complete later debt-collection ANPRM body and substantive agenda entry.","No empirical market findings adopted; no proposal treated as law; no participant/contact investigation."],["S019","Selected complete accounting-period instruction headings.","No whole-publication or tax-return-definition claim."],["S020–S021","Complete current selected confidentiality sections and corresponding selected2020 adopted text/date clause.","Full disclosure exceptions and privacy/access procedures remain held."]]},{"headers":["Endpoint or source issue","Observed result","Evidentiary consequence"],"index":15,"links":[{"href":"https://www.ecfr.gov/current/title-12/chapter-X/part-1090/section-1090.105","text":"https://www.ecfr.gov/current/title-12/chapter-X/part-1090/section-1090.105"},{"href":"https://www.ecfr.gov/current/title-12/chapter-X/part-1090/subpart-A","text":"https://www.ecfr.gov/current/title-12/chapter-X/part-1090/subpart-A"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1090/","text":"https://www.consumerfinance.gov/rules-policy/regulations/1090/"},{"href":"https://www.govinfo.gov/content/pkg/CFR-2026-title12-vol9/pdf/CFR-2026-title12-vol9-part1090.pdf","text":"https://www.govinfo.gov/content/pkg/CFR-2026-title12-vol9/pdf/CFR-2026-title12-vol9-part1090.pdf"},{"href":"https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title12-section5514&num=0&edition=prelim","text":"https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title12-section5514&num=0&edition=prelim"},{"href":"https://uscode.house.gov/us/usc/119-134/t12/s5514/","text":"https://uscode.house.gov/us/usc/119-134/t12/s5514/"},{"href":"https://uscode.house.gov/us/usc/119-134/t12/s5481/","text":"https://uscode.house.gov/us/usc/119-134/t12/s5481/"},{"href":"https://www.govinfo.gov/content/pkg/FR-2012-12-07/pdf/2012-29438.pdf","text":"https://www.govinfo.gov/content/pkg/FR-2012-12-07/pdf/2012-29438.pdf"},{"href":"https://www.govinfo.gov/content/pkg/FR-2012-12-07/html/2012-29438.htm","text":"https://www.govinfo.gov/content/pkg/FR-2012-12-07/html/2012-29438.htm"},{"href":"https://www.govinfo.gov/app/details/FR-2012-12-07/2012-29438","text":"https://www.govinfo.gov/app/details/FR-2012-12-07/2012-29438"},{"href":"https://www.gpo.gov/fdsys/pkg/FR-2012-12-07/pdf/2012-29438.pdf","text":"https://www.gpo.gov/fdsys/pkg/FR-2012-12-07/pdf/2012-29438.pdf"},{"href":"https://www.govinfo.gov/content/pkg/FR-2012-12-07/pdf/FR-2012-12-07.pdf","text":"https://www.govinfo.gov/content/pkg/FR-2012-12-07/pdf/FR-2012-12-07.pdf"}],"row_links":[[],[{"href":"https://www.ecfr.gov/current/title-12/chapter-X/part-1090/section-1090.105","text":"https://www.ecfr.gov/current/title-12/chapter-X/part-1090/section-1090.105"}],[{"href":"https://www.ecfr.gov/current/title-12/chapter-X/part-1090/subpart-A","text":"https://www.ecfr.gov/current/title-12/chapter-X/part-1090/subpart-A"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1090/","text":"https://www.consumerfinance.gov/rules-policy/regulations/1090/"}],[{"href":"https://www.govinfo.gov/content/pkg/CFR-2026-title12-vol9/pdf/CFR-2026-title12-vol9-part1090.pdf","text":"https://www.govinfo.gov/content/pkg/CFR-2026-title12-vol9/pdf/CFR-2026-title12-vol9-part1090.pdf"}],[{"href":"https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title12-section5514&num=0&edition=prelim","text":"https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title12-section5514&num=0&edition=prelim"}],[{"href":"https://uscode.house.gov/us/usc/119-134/t12/s5514/","text":"https://uscode.house.gov/us/usc/119-134/t12/s5514/"},{"href":"https://uscode.house.gov/us/usc/119-134/t12/s5481/","text":"https://uscode.house.gov/us/usc/119-134/t12/s5481/"}],[{"href":"https://www.govinfo.gov/content/pkg/FR-2012-12-07/pdf/2012-29438.pdf","text":"https://www.govinfo.gov/content/pkg/FR-2012-12-07/pdf/2012-29438.pdf"}],[{"href":"https://www.govinfo.gov/content/pkg/FR-2012-12-07/html/2012-29438.htm","text":"https://www.govinfo.gov/content/pkg/FR-2012-12-07/html/2012-29438.htm"},{"href":"https://www.govinfo.gov/app/details/FR-2012-12-07/2012-29438","text":"https://www.govinfo.gov/app/details/FR-2012-12-07/2012-29438"},{"href":"https://www.gpo.gov/fdsys/pkg/FR-2012-12-07/pdf/2012-29438.pdf","text":"https://www.gpo.gov/fdsys/pkg/FR-2012-12-07/pdf/2012-29438.pdf"}],[{"href":"https://www.govinfo.gov/content/pkg/FR-2012-12-07/pdf/FR-2012-12-07.pdf","text":"https://www.govinfo.gov/content/pkg/FR-2012-12-07/pdf/FR-2012-12-07.pdf"}],[],[]],"rows":[["Endpoint or source issue","Observed result","Evidentiary consequence"],["https://www.ecfr.gov/current/title-12/chapter-X/part-1090/section-1090.105","The attempted path without SubpartB did not provide the body.","Correct ordinary section path and complete main-Part body succeeded; no absence inference."],["https://www.ecfr.gov/current/title-12/chapter-X/part-1090/subpart-A","Access attempt returned a rate/access error.","Complete general sections were read through the main Part page and annual CFR; no workaround."],["https://www.consumerfinance.gov/rules-policy/regulations/1090/","Did not yield the selected current body.","Not relied on as operative text."],["https://www.govinfo.gov/content/pkg/CFR-2026-title12-vol9/pdf/CFR-2026-title12-vol9-part1090.pdf","Attempted2026 annual-edition URL unavailable.","No2026 annual-edition reading claimed;2025 edition explicitly historical."],["https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title12-section5514&num=0&edition=prelim","Preliminary endpoint attempts failed; final retry returned404.","Readable dated OLRC release used, with its10/15 cutoff preserved."],["https://uscode.house.gov/us/usc/119-134/t12/s5514/ and https://uscode.house.gov/us/usc/119-134/t12/s5481/","Attempted later-release paths failed to supply bodies.","Their contents were not guessed; failure does not establish absence of later law."],["https://www.govinfo.gov/content/pkg/FR-2012-12-07/pdf/2012-29438.pdf","Original correction PDF repeatedly unavailable through ordinary retrieval.","Original-publication gap retained."],["https://www.govinfo.gov/content/pkg/FR-2012-12-07/html/2012-29438.htm; https://www.govinfo.gov/app/details/FR-2012-12-07/2012-29438; https://www.gpo.gov/fdsys/pkg/FR-2012-12-07/pdf/2012-29438.pdf","Ordinary alternative original routes also failed.","No additional original body claimed."],["https://www.govinfo.gov/content/pkg/FR-2012-12-07/pdf/FR-2012-12-07.pdf","Whole-issue retrieval timed out.","No whole-issue or page-image read claimed."],["S014 FederalRegister.gov rendition","Earlier access succeeded; later reopening redirected to a “Request Access” security page.","Earlier read remains specifically bounded. No gate bypass or security workaround attempted."],["Later-status searches","Returned the ANPRM, agenda, current/annual text, and off-scope or nonofficial results.","Search snippets and mirrors did not supply legal propositions. No “no later law exists” conclusion drawn."]]},{"headers":["Gap","Consequence for this report","Exact next public-law authority or question"],"index":16,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[]],"rows":[["Gap","Consequence for this report","Exact next public-law authority or question"],["Currency after the displayed cutoffs","The report authenticates the accessed bodies and selected later instruments, not a complete October28 legislative/regulatory/judicial chain.","Later official Federal Register amendments/corrections/status instruments for §§1090.100–.103/.105; later enacted amendments to the identified statutory clauses."],["2012 correction original and current example reference","The correction’s government rendition was read, but original PDF access failed; “(ii)(B)” versus current “(ii)” remains unexplained.","Original77FR72913 and any adopted intervening correction addressing annual-receipts(iii)(C)."],["Confidentiality citation","The printed “5414(b)(1)(C)” is preserved; no silent substitution or legal reconciliation.","Official correction or later amendment to §1070.2(i)(4)."],["Tax-return definitions and accounting conventions","No actual or fully operational receipts calculation is possible from this record.","Complete public IRS instructions governing the necessary legal income/COGS category; official Part1090 clarification of any partial-week, multiple-short-year, or related accounting issue."],["Undefined collection terms","“Default,” “principal purpose,” “regularly,” and other disputed edges are not resolved by labels.","Narrow official generic interpretation, if available; judicial merits remain outside this pass."],["Full statutory limitations and other routes","No universal conclusion about all Bureau supervision or enforcement follows.","Exact applicable portions of §§5517,5519,5581 or other identified statutory routes, read completely before reliance."],["Full confidentiality/access/review regime","No absolute secrecy promise, public-access entitlement, formal appeal, stay, or judicial-review result established.","The specific complete Part1070 exception or separate generic procedural authority; no actual record request or case search."],["Actual actor, activity, receipts, group, notice, or determination facts","Every organization-specific classification remains unresolved.","No identifying inquiry is authorized in this pass."],["Remaining A091 and other-law dimensions","Ownership, authentication, official contacts, hardship practices, complaints, negotiation, litigation, licensing, debt validity, remedies, and provider comparison remain open.","A separately scoped generic public-law or methodology component; no implied permission to build a named profile."]]},{"headers":["Check","Result"],"index":17,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Check","Result"],["Complete selected current §1090.105 read","Yes, including every definition, receipt branch, exclusion, threshold, and source note in the accessed body."],["Complete indispensable general Part1090 clauses read","Yes: §§1090.100–.103, with all definitions and the complete procedure."],["Threshold and equality preserved","Yes: more than, with continuing status and other authority kept separate."],["Receipt base, period, aggregation, acquisition, cessation, and medical exclusion preserved","Yes; tax-return and counting gaps remain explicit."],["Notice date versus receipt trigger distinguished","Yes; no actual deadline calculated and no unsupported day-count convention imported."],["Current officer designation authenticated","Yes;2024 adopted amendment read; electronic procedure not misattributed to that amendment."],["Proposal and agenda kept separate from adopted law","Yes."],["Original-publication and cross-reference failures visible","Yes; no source failure treated as legal absence."],["Statute, regulation, preamble, instruction, annual edition, and agenda distinguished","Yes."],["PDF read claims limited to parsed text and selected bounds","Yes; no pixel or unseen-page certification."],["No actual or fictional organization, account, financial input, record, case, or profile created or evaluated","Yes."],["No subagent, outside-chat research workflow, filing, contact, records request, account action, or security workaround used","Yes."],["No model/UI verification, local-file, hash, import, or independent-review claim made","Yes."],["Component/parent acceptance or provider endorsement established","No. This is a bounded public-source legal-category report, not acceptance or an actual supervision determination."]]}],"claims":[{"claim_id":"R091-P1-C001","area_numbers":[91],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R091-P1-C001","Supported finding, with qualification":"The selected provision exists in the accessed current body as §1090.105, Consumer debt collection market. The applicable general provisions are .100 Scope and purpose; .101 Definitions; .102 Status as larger participant subject to supervision; .103 Assessing status as a larger participant.","Exact authority and source":"S001, complete selected sections and headings."},"coordinator_verification_status":"whole_report_reviewed_selected_primary_checks_only_see_exact_source_bounds","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false},{"claim_id":"R091-P1-C002","area_numbers":[91],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R091-P1-C002","Supported finding, with qualification":"The final eCFR display was through 10/26/2026, with a Title12-wide last-amended label of 10/23/2026. Neither label says §1090.105 itself was amended on that date. The annual official CFR examined is the 1/1/2025 edition.","Exact authority and source":"S001, currency banner, legal-status notice, annual-edition header."},"coordinator_verification_status":"whole_report_reviewed_selected_primary_checks_only_see_exact_source_bounds","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false},{"claim_id":"R091-P1-C003","area_numbers":[91],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R091-P1-C003","Supported finding, with qualification":"The accessible statutory bodies display laws in effect through PL119-124, 10/15/2026. They do not, by themselves, establish the complete statutory chain through the access date.","Exact authority and source":"S002–S008, displayed currency; failure log."},"coordinator_verification_status":"whole_report_reviewed_selected_primary_checks_only_see_exact_source_bounds","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false},{"claim_id":"R091-P1-C004","area_numbers":[91],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R091-P1-C004","Supported finding, with qualification":"The original general Part1090 provisions examined were published 7/20/2012, effective 9/30/2012. Their historical officer designation must not replace the present §.101/.103 wording.","Exact authority and source":"S012, DATES; adopted §§.100–.103; S016."},"coordinator_verification_status":"whole_report_reviewed_selected_primary_checks_only_see_exact_source_bounds","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false},{"claim_id":"R091-P1-C005","area_numbers":[91],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R091-P1-C005","Supported finding, with qualification":"The debt-collection final rule was published 10/31/2012, effective 1/2/2013. Section IV expressly adopts that effective date; it is not inferred solely from a source credit.","Exact authority and source":"S013, DATES; IV.B; adopted §.105."},"coordinator_verification_status":"whole_report_reviewed_selected_primary_checks_only_see_exact_source_bounds","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false},{"claim_id":"R091-P1-C006","area_numbers":[91],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R091-P1-C006","Supported finding, with qualification":"The readable correction rendition states publication 12/7/2012, effectiveness 1/2/2013, and four corrections: three internal references and insertion of the paragraph (b) designation. Original-PDF access remains a gap.","Exact authority and source":"S014, complete correcting instructions1–4 and DATES."},"coordinator_verification_status":"whole_report_reviewed_selected_primary_checks_only_see_exact_source_bounds","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false,"later_source_authentication_supplement":"[internal evidence reference]","original_published_body_now_checked_at":"2026-10-28T10:58:35.238967+00:00","original_body_access_gap_resolved_with_limits":true,"prior_read_record_and_raw_preserved":true,"example_reference_chain_still_open":true},{"claim_id":"R091-P1-C007","area_numbers":[91],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R091-P1-C007","Supported finding, with qualification":"The 2015 amendment revises the nonbank-covered-person definition and expressly provides that a former affiliate that ceased affiliation during the measurement period remains aggregated for the entire period.","Exact authority and source":"S015, instructions3 and5, effective 8/31/2015; S001 §.105(a), annual receipts(iii)(D)."},"coordinator_verification_status":"whole_report_reviewed_selected_primary_checks_only_see_exact_source_bounds","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false},{"claim_id":"R091-P1-C008","area_numbers":[91],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R091-P1-C008","Supported finding, with qualification":"The 2024 amendment substitutes Supervision Director and its delegation definition. Electronic submission and electronic delivery of the determination already appeared in the original 2012 procedure; they were not newly created in 2024.","Exact authority and source":"S016, instructions13–15; S012 §.103(a),(c); S001 §.101."},"coordinator_verification_status":"whole_report_reviewed_selected_primary_checks_only_see_exact_source_bounds","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false},{"claim_id":"R091-P1-C009","area_numbers":[91],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R091-P1-C009","Supported finding, with qualification":"The 2025 document is an advance notice, seeking information about whether to propose changes. The later agenda entry is planning information. Neither examined body adopts a replacement receipts threshold.","Exact authority and source":"S017, ACTION, SUMMARY, sectionIII; S018, stage and timetable."},"coordinator_verification_status":"whole_report_reviewed_selected_primary_checks_only_see_exact_source_bounds","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false},{"claim_id":"R091-P1-C010","area_numbers":[91],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R091-P1-C010","Supported finding, with qualification":"A narrow discrepancy remains: correction instruction2 replaces the second example reference in annual-receipts(iii)(C) with “(ii)(B)”; current eCFR and the examined annual CFR print “(ii)” there. The main annualization rule in (ii)(B) is present, but the intervening reason for this citation difference was not authenticated.","Exact authority and source":"S014, instruction2; S001, §.105(a), annual receipts(iii)(C)."},"coordinator_verification_status":"whole_report_reviewed_selected_primary_checks_only_see_exact_source_bounds","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false,"later_source_authentication_supplement":"[internal evidence reference]","original_published_body_now_checked_at":"2026-10-28T10:58:35.238967+00:00","original_body_access_gap_resolved_with_limits":true,"prior_read_record_and_raw_preserved":true,"example_reference_chain_still_open":true},{"claim_id":"R091-P1-C011","area_numbers":[91],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R091-P1-C011","Supported finding, with qualification":"Original statutory §§1022 and1024 became effective on 7/21/2010 under §1029A’s express exception. The generally designated transfer date was 7/21/2011. These dates differ from Part1090’s later regulatory effective dates.","Exact authority and source":"S009, §§4,1029A,1062; S011, operative designation."},"coordinator_verification_status":"whole_report_reviewed_selected_primary_checks_only_see_exact_source_bounds","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false},{"claim_id":"R091-P1-C012","area_numbers":[91],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R091-P1-C012","Supported finding, with qualification":"The enacted 2014 amendment adds State agencies that license, supervise, or examine consumer-financial-product/service offerings to §5514(b)(3), and preserves claimed privilege/confidentiality against outsiders when information is shared among the specified regulators.","Exact authority and source":"S010 §2; S002 §5514(b)(3)."},"coordinator_verification_status":"whole_report_reviewed_selected_primary_checks_only_see_exact_source_bounds","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false},{"claim_id":"R091-P1-C013","area_numbers":[91],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R091-P1-C013","Supported finding, with all material qualifications":"Part1090 defines larger participants for supervision under §5514(a)(1)(B) and (a)(2), and facilitates supervision under (b)(7). The debt-collection criterion is a market-specific supervisory category.","Exact authority and source":"S001 §.100 and authority citation; S002 §5514(a)(1)(B),(a)(2),(b)(7)(A); S004 §5512(b)(1)."},"coordinator_verification_status":"whole_report_reviewed_selected_primary_checks_only_see_exact_source_bounds","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false},{"claim_id":"R091-P1-C014","area_numbers":[91],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R091-P1-C014","Supported finding, with all material qualifications":"“Person” includes an individual, partnership, company, corporation, incorporated or unincorporated association, trust, estate, cooperative organization, or other entity. It is not confined to corporations.","Exact authority and source":"S001 §.101, Person; S003 §5481(19)."},"coordinator_verification_status":"whole_report_reviewed_selected_primary_checks_only_see_exact_source_bounds","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false},{"claim_id":"R091-P1-C015","area_numbers":[91],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R091-P1-C015","Supported finding, with all material qualifications":"“Consumer” means an individual or an agent, trustee, or representative acting on an individual’s behalf. A generic representative category does not prove actual authority or a particular relationship.","Exact authority and source":"S001 §.101, Consumer; S003 §5481(4)."},"coordinator_verification_status":"whole_report_reviewed_selected_primary_checks_only_see_exact_source_bounds","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false},{"claim_id":"R091-P1-C016","area_numbers":[91],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R091-P1-C016","Supported finding, with all material qualifications":"Subject to the express §5515(a)/§5516(a) exclusions, “nonbank covered person” includes a person offering or providing a consumer financial product/service, and an affiliate of such a person if that affiliate acts as a service provider to that person. Affiliation alone does not satisfy the second route.","Exact authority and source":"S001 §.101, Nonbank covered person; S003 §5481(6)."},"coordinator_verification_status":"whole_report_reviewed_selected_primary_checks_only_see_exact_source_bounds","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false},{"claim_id":"R091-P1-C017","area_numbers":[91],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R091-P1-C017","Supported finding, with all material qualifications":"Section5515(a) describes insured depository institutions and insured credit unions with more than $10 billion in assets, and any affiliate thereof. Section5516(a) describes insured depository institutions and insured credit unions with $10 billion or less. Its subsection(a) does not contain the same “any affiliate” language.","Exact authority and source":"S005, complete respective subsection(a)s."},"coordinator_verification_status":"whole_report_reviewed_selected_primary_checks_only_see_exact_source_bounds","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false},{"claim_id":"R091-P1-C018","area_numbers":[91],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R091-P1-C018","Supported finding, with all material qualifications":"The incorporated insured-depository category concerns a bank or savings association whose deposits are insured under the Federal Deposit Insurance Act; “insured credit union” concerns a credit union whose member accounts are insured under the specified subchapter. Chartering and insurance predicates are not established by a business label.","Exact authority and source":"S006, §1813(a)–(c), particularly(c)(2); §1752(1),(5)–(7); S003 §5481(17)."},"coordinator_verification_status":"whole_report_reviewed_selected_primary_checks_only_see_exact_source_bounds","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false},{"claim_id":"R091-P1-C019","area_numbers":[91],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R091-P1-C019","Supported finding, with all material qualifications":"The statutory “affiliate” definition is a person controlling, controlled by, or under common control with another person. Part1090’s “affiliated company” supplies additional express company/control wording for its aggregation mechanism. These definitions should not be collapsed with the distinct related-party collector exception.","Exact authority and source":"S003 §5481(1); S001 §.101 and §.105(a), Debt collector(i)."},"coordinator_verification_status":"whole_report_reviewed_selected_primary_checks_only_see_exact_source_bounds","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false},{"claim_id":"R091-P1-C020","area_numbers":[91],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R091-P1-C020","Supported finding, with all material qualifications":"A Part1090 affiliated company is a company controlling, controlled by, or under common control with a person, excluding an insured depository institution or insured credit union. “Company” includes corporations, LLCs, business trusts, general/limited partnerships, proprietorships, cooperatives, associations, and similar organizations.","Exact authority and source":"S001 §.101, Affiliated company introductory text and(1)."},"coordinator_verification_status":"whole_report_reviewed_selected_primary_checks_only_see_exact_source_bounds","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false},{"claim_id":"R091-P1-C021","area_numbers":[91],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R091-P1-C021","Supported finding, with all material qualifications":"One alternative control test is direct, indirect, or through-other-person ownership, control, or voting power over 25 percent or more of any class of voting securities or similar ownership interest. The denominator is a class, not necessarily all equity.","Exact authority and source":"S001 §.101, Affiliated company(2)(i)."},"coordinator_verification_status":"whole_report_reviewed_selected_primary_checks_only_see_exact_source_bounds","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false},{"claim_id":"R091-P1-C022","area_numbers":[91],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R091-P1-C022","Supported finding, with all material qualifications":"A separate control alternative is control, in any manner, over election of a majority of directors, trustees, members, or general partners. The rule does not require satisfaction of the ownership-percentage route as well.","Exact authority and source":"S001 §.101, Affiliated company(2)(ii)."},"coordinator_verification_status":"whole_report_reviewed_selected_primary_checks_only_see_exact_source_bounds","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false},{"claim_id":"R091-P1-C023","area_numbers":[91],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R091-P1-C023","Supported finding, with all material qualifications":"A further control alternative is directly or indirectly exercising a controlling influence over management or policies. A failure to establish 25-percent ownership alone does not negate this alternative.","Exact authority and source":"S001 §.101, Affiliated company(2)(iii)."},"coordinator_verification_status":"whole_report_reviewed_selected_primary_checks_only_see_exact_source_bounds","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false},{"claim_id":"R091-P1-C024","area_numbers":[91],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R091-P1-C024","Supported finding, with all material qualifications":"The consumer-financial-product/service definition has two routes: a §5481(15)(A) product/service offered or provided for consumers’ primarily personal, family, or household use; or activities in clauses(i),(iii),(ix), or(x) delivered, offered, or provided in connection with such a consumer product/service.","Exact authority and source":"S001 §.101, Consumer financial product or service(1)–(2); S003 §5481(5),(15)."},"coordinator_verification_status":"whole_report_reviewed_selected_primary_checks_only_see_exact_source_bounds","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false},{"claim_id":"R091-P1-C025","area_numbers":[91],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R091-P1-C025","Supported finding, with all material qualifications":"Statutory “credit” includes rights to defer debt payment, incur debt and defer payment, or buy property/services and defer payment. Section5481(15)(A)(i) includes extending credit and servicing loans, including specified acquisition, purchase, sale, brokerage, and extension activities, with its exception for solely extending commercial credit to a consumer-credit originator. This broader product definition does not itself satisfy §.105’s collection-market test.","Exact authority and source":"S003 §5481(7),(15)(A)(i); S001 §.105."},"coordinator_verification_status":"whole_report_reviewed_selected_primary_checks_only_see_exact_source_bounds","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false},{"claim_id":"R091-P1-C026","area_numbers":[91],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R091-P1-C026","Supported finding, with all material qualifications":"Section5481(15)(A)(x) includes collecting debt related to a consumer financial product/service. The complete paragraph(15) contains other categories, qualifications, exclusions, and limited authority to define additional products by regulation. Their existence does not make every receivable a qualifying collection-market receipt.","Exact authority and source":"S003 §5481(15)(A)–(C); S001 §.105(a), Consumer debt collection."},"coordinator_verification_status":"whole_report_reviewed_selected_primary_checks_only_see_exact_source_bounds","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false},{"claim_id":"R091-P1-C027","area_numbers":[91],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R091-P1-C027","Supported finding, with all material qualifications":"A service provider supplies a material service to a covered person in connection with that person’s consumer-financial-product/service offering. Included examples encompass designing, operating, maintaining, or processing transactions, with the express exception for unknowingly or incidentally transmitting/processing undifferentiated financial data.","Exact authority and source":"S003 §5481(26)(A)."},"coordinator_verification_status":"whole_report_reviewed_selected_primary_checks_only_see_exact_source_bounds","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false},{"claim_id":"R091-P1-C028","area_numbers":[91],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R091-P1-C028","Supported finding, with all material qualifications":"Providing general business support or similar ministerial services, or advertising time/space, does not solely by itself establish service-provider status. This is not a blanket exemption for an actor performing additional material services.","Exact authority and source":"S003 §5481(26)(B)."},"coordinator_verification_status":"whole_report_reviewed_selected_primary_checks_only_see_exact_source_bounds","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false},{"claim_id":"R091-P1-C029","area_numbers":[91],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R091-P1-C029","Supported finding, with all material qualifications":"A service provider is deemed a covered person to the extent it offers or provides its own consumer financial product/service. The statutory rule is activity-qualified.","Exact authority and source":"S003 §5481(26)(C)."},"coordinator_verification_status":"whole_report_reviewed_selected_primary_checks_only_see_exact_source_bounds","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false},{"claim_id":"R091-P1-C030","area_numbers":[91],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R091-P1-C030","Supported finding, with all material qualifications":"The financial-product/service definition excludes the business of insurance, whose separate definition includes writing/reinsuring risks and the specified acts and authorized-role activities related to that business. It is not an investigated exemption for every activity of an insurance-associated actor.","Exact authority and source":"S003 §5481(3),(15)(C)(i)."},"coordinator_verification_status":"whole_report_reviewed_selected_primary_checks_only_see_exact_source_bounds","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false},{"claim_id":"R091-P1-C031","area_numbers":[91],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R091-P1-C031","Supported finding, with all material qualifications":"Electronic conduit services are excluded as defined, but the definition does not include a provider that, when providing the services, selects/modifies content, differentiates financial data in the stated manner, or is a payee, payor, correspondent, or similar party to a consumer payment transaction.","Exact authority and source":"S003 §5481(11)(A)–(B),(15)(C)(ii)."},"coordinator_verification_status":"whole_report_reviewed_selected_primary_checks_only_see_exact_source_bounds","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false},{"claim_id":"R091-P1-C032","area_numbers":[91],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R091-P1-C032","Supported conditional rule":"“Consumer debt collection” requires a debt collector’s collection, a debt incurred by a consumer primarily for personal, family, or household purposes, and a relationship to a consumer financial product/service. All these predicates matter.","Exact authority and source":"S001 §.105(a), Consumer debt collection."},"coordinator_verification_status":"whole_report_reviewed_selected_primary_checks_only_see_exact_source_bounds","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false},{"claim_id":"R091-P1-C033","area_numbers":[91],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R091-P1-C033","Supported conditional rule":"A creditor offers/extends credit creating a debt or is owed the debt. The definition excludes a person to the extent it receives an assignment/transfer of a defaulted debt solely to facilitate collection for another.","Exact authority and source":"S001 §.105(a), Creditor."},"coordinator_verification_status":"whole_report_reviewed_selected_primary_checks_only_see_exact_source_bounds","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false},{"claim_id":"R091-P1-C034","area_numbers":[91],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R091-P1-C034","Supported conditional rule":"“Debt collector” has alternative routes: use of interstate-commerce instrumentalities or the mails in a business whose principal purpose is collecting any debts; or regularly collecting/attempting to collect, directly or indirectly, debts owed, due, or asserted owed/due to another.","Exact authority and source":"S001 §.105(a), Debt collector opening sentence."},"coordinator_verification_status":"whole_report_reviewed_selected_primary_checks_only_see_exact_source_bounds","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false},{"claim_id":"R091-P1-C035","area_numbers":[91],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R091-P1-C035","Supported conditional rule":"Notwithstanding exclusion(iii), a creditor collecting its own debts is included if it uses a different name indicating that a third person is collecting or attempting collection. The alternate-name condition must be established; ordinary creditor status alone is insufficient.","Exact authority and source":"S001 §.105(a), Debt collector second sentence."},"coordinator_verification_status":"whole_report_reviewed_selected_primary_checks_only_see_exact_source_bounds","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false},{"claim_id":"R091-P1-C036","area_numbers":[91],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R091-P1-C036","Supported conditional rule":"The related-party collector exclusion requires common ownership or corporate-control affiliation, collection only for related/affiliated persons, and a principal business that is not debt collection. Relationship alone does not establish the exclusion.","Exact authority and source":"S001 §.105(a), Debt collector(i)."},"coordinator_verification_status":"whole_report_reviewed_selected_primary_checks_only_see_exact_source_bounds","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false},{"claim_id":"R091-P1-C037","area_numbers":[91],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R091-P1-C037","Supported conditional rule":"The nonprofit exclusion requires a nonprofit organization acting at consumers’ request, performing bona fide consumer credit counseling, and assisting debt liquidation by receiving consumer payments and distributing those amounts to creditors. Nonprofit status alone is insufficient.","Exact authority and source":"S001 §.105(a), Debt collector(ii)."},"coordinator_verification_status":"whole_report_reviewed_selected_primary_checks_only_see_exact_source_bounds","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false},{"claim_id":"R091-P1-C038","area_numbers":[91],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R091-P1-C038","Supported conditional rule":"The activity-qualified exclusion for collecting another’s debt applies to the extent the debt was originated by the collector, or was not in default when that person obtained it. Those are alternatives within exclusion(iii), not a universal exemption for anything called servicing.","Exact authority and source":"S001 §.105(a), Debt collector(iii)(A)–(B); S013, selected servicing explanation."},"coordinator_verification_status":"whole_report_reviewed_selected_primary_checks_only_see_exact_source_bounds","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false},{"claim_id":"R091-P1-C039","area_numbers":[91],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R091-P1-C039","Supported conditional rule":"A person engaged solely in enforcing a security interest is excluded from this definition. The selected text does not resolve activities extending beyond that exclusive function.","Exact authority and source":"S001 §.105(a), Debt collector(iv)."},"coordinator_verification_status":"whole_report_reviewed_selected_primary_checks_only_see_exact_source_bounds","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false},{"claim_id":"R091-P1-C040","area_numbers":[91],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R091-P1-C040","Supported conditional rule":"Ownership/purchase of a debt does not, by label alone, establish inclusion or exclusion. The principal-purpose route refers to collecting any debts; the other-owed-debt route and exclusions have different conditions. This Part’s complete definition is the operative selected definition; the full FDCPA definition and its judicial treatment were not imported.","Exact authority and source":"S001 §.105(a), complete Debt collector and Creditor definitions; S013, bounded market explanation."},"coordinator_verification_status":"whole_report_reviewed_selected_primary_checks_only_see_exact_source_bounds","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false},{"claim_id":"R091-P1-C041","area_numbers":[91],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R091-P1-C041","Supported conditional rule":"The selected Part does not separately supply complete definitions resolving every edge of “debt,” “default,” “principal purpose,” “regularly,” or “medical provider.” An actual disputed classification cannot be settled by assuming familiar meanings or a judicial consensus.","Exact authority and source":"S001, complete selected definitions; express research boundary."},"coordinator_verification_status":"whole_report_reviewed_selected_primary_checks_only_see_exact_source_bounds","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false},{"claim_id":"R091-P1-C042","area_numbers":[91],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R091-P1-C042","Supported rule and limits":"“Completed fiscal year” includes a tax year that is a fiscal, calendar, or short tax year. The rule recites: fiscal year—12 consecutive months ending on the last day of a month other than December31; calendar year—12 consecutive months ending December31; tax year—annual accounting period or appropriate short year; short year—less than12 months. An annual accounting period itself excludes a short year.","Exact authority and source":"S001 §.101, Completed fiscal year(1)–(4); S019 selected accounting-period instructions."},"coordinator_verification_status":"whole_report_reviewed_selected_primary_checks_only_see_exact_source_bounds","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false},{"claim_id":"R091-P1-C043","area_numbers":[91],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R091-P1-C043","Supported rule and limits":"Receipts start with IRS-defined/reported total income, or gross income for a sole proprietorship, plus cost of goods sold. The regulation names illustrative tax forms; it does not establish the correct tax-return category or line treatment for an unidentified actor.","Exact authority and source":"S001 §.105(a), Annual receipts(i)."},"coordinator_verification_status":"whole_report_reviewed_selected_primary_checks_only_see_exact_source_bounds","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false},{"claim_id":"R091-P1-C044","area_numbers":[91],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R091-P1-C044","Supported rule and limits":"Net capital gains or losses are excluded from receipts. The exclusion is not a general permission to subtract all capital-related cash flows or losses.","Exact authority and source":"S001, Annual receipts(i)."},"coordinator_verification_status":"whole_report_reviewed_selected_primary_checks_only_see_exact_source_bounds","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false},{"claim_id":"R091-P1-C045","area_numbers":[91],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R091-P1-C045","Supported rule and limits":"Taxes collected for and remitted to a taxing authority are excluded if included in gross/total income. The stated category includes customer-collected taxes but does not exclude taxes levied on the entity or its employees.","Exact authority and source":"S001, Annual receipts(i)."},"coordinator_verification_status":"whole_report_reviewed_selected_primary_checks_only_see_exact_source_bounds","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false},{"claim_id":"R091-P1-C046","area_numbers":[91],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R091-P1-C046","Supported rule and limits":"Amounts collected for another are excluded, but fees earned in connection with those collections are receipts. Gross collections, remittances, and earned fees therefore cannot be treated as interchangeable categories.","Exact authority and source":"S001, Annual receipts(i)."},"coordinator_verification_status":"whole_report_reviewed_selected_primary_checks_only_see_exact_source_bounds","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false},{"claim_id":"R091-P1-C047","area_numbers":[91],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R091-P1-C047","Supported rule and limits":"The rule expressly includes examples such as subcontractor costs, reimbursement for purchases made at a customer’s request, and employee-based costs such as payroll taxes. A generic “expense” label does not establish a receipt deduction.","Exact authority and source":"S001, Annual receipts(i)."},"coordinator_verification_status":"whole_report_reviewed_selected_primary_checks_only_see_exact_source_bounds","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false},{"claim_id":"R091-P1-C048","area_numbers":[91],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R091-P1-C048","Supported rule and limits":"The IRS accounting-period incorporation was read narrowly. Complete return-specific definitions of income, COGS, recognition, and entity classification were not authenticated. Thus the regulation’s legal formula is reported, but no fully operational accounting computation or characterization of a particular return is supplied.","Exact authority and source":"S001, Annual receipts(i); S019, selected bounds."},"coordinator_verification_status":"whole_report_reviewed_selected_primary_checks_only_see_exact_source_bounds","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false},{"claim_id":"R091-P1-C049","area_numbers":[91],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R091-P1-C049","Supported rule and limits":"For a person in business for three or more completed fiscal years, the ordinary measure is total receipts over its three most recently completed fiscal years divided by three, subject to the specific short-year rule.","Exact authority and source":"S001, Annual receipts(ii)(A), read with(ii)(C)."},"coordinator_verification_status":"whole_report_reviewed_selected_primary_checks_only_see_exact_source_bounds","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false},{"claim_id":"R091-P1-C050","area_numbers":[91],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R091-P1-C050","Supported rule and limits":"For a person in business for less than three completed fiscal years, the measure is total receipts during the entire period in business, divided by the number of weeks in business, multiplied by 52.","Exact authority and source":"S001, Annual receipts(ii)(B)."},"coordinator_verification_status":"whole_report_reviewed_selected_primary_checks_only_see_exact_source_bounds","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false},{"claim_id":"R091-P1-C051","area_numbers":[91],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R091-P1-C051","Supported rule and limits":"Where the person has at least three completed fiscal years but one year in the measurement period is a short tax year, the rule uses total receipts for the short year and two full fiscal/calendar years, divided by the total weeks in those periods, multiplied by 52.","Exact authority and source":"S001, Annual receipts(ii)(C)."},"coordinator_verification_status":"whole_report_reviewed_selected_primary_checks_only_see_exact_source_bounds","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false},{"claim_id":"R091-P1-C052","area_numbers":[91],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R091-P1-C052","Supported rule and limits":"Annual receipts are aggregated by adding the person’s annual receipts to the annual receipts of each affiliated company, using the applicable affiliated-company definition and its insured-institution exclusions.","Exact authority and source":"S001, Annual receipts(iii)(A); §.101; S002 §5514(a)(3)(B)."},"coordinator_verification_status":"whole_report_reviewed_selected_primary_checks_only_see_exact_source_bounds","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false},{"claim_id":"R091-P1-C053","area_numbers":[91],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R091-P1-C053","Supported rule and limits":"If an affiliated company was acquired, or the person was acquired by an affiliated company, during the applicable measurement period, their receipts are aggregated for the entire period, not only the post-affiliation portion.","Exact authority and source":"S001, Annual receipts(iii)(B)."},"coordinator_verification_status":"whole_report_reviewed_selected_primary_checks_only_see_exact_source_bounds","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false},{"claim_id":"R091-P1-C054","area_numbers":[91],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R091-P1-C054","Supported rule and limits":"Each person’s/affiliate’s receipts are calculated separately under paragraph(ii), even if different measurement periods result. The source’s generic illustration annualizes a younger affiliate separately; no invented affiliate or financial example is needed here. The example’s internal-reference discrepancy is preserved in C010.","Exact authority and source":"S001, Annual receipts(iii)(C); S014."},"coordinator_verification_status":"whole_report_reviewed_selected_primary_checks_only_see_exact_source_bounds","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false},{"claim_id":"R091-P1-C055","area_numbers":[91],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R091-P1-C055","Supported rule and limits":"A former affiliate is excluded if affiliation ceased before the applicable measurement period. If affiliation ceased during that period, aggregation covers the entire period. Current nonaffiliation is not enough to choose between those rules.","Exact authority and source":"S001, Annual receipts(iii)(D); S015, instruction5."},"coordinator_verification_status":"whole_report_reviewed_selected_primary_checks_only_see_exact_source_bounds","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false},{"claim_id":"R091-P1-C056","area_numbers":[91],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R091-P1-C056","Supported rule and limits":"Receipts resulting from collecting debt originally owed to a medical provider are excluded. This is a receipts exclusion, not a general determination about medical-debt validity, collection legality, or all supervisory authority.","Exact authority and source":"S001, Annual receipts(iii)(E)."},"coordinator_verification_status":"whole_report_reviewed_selected_primary_checks_only_see_exact_source_bounds","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false},{"claim_id":"R091-P1-C057","area_numbers":[91],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R091-P1-C057","Supported rule and limits":"The threshold concerns receipts resulting from consumer debt collection, not indiscriminately all business revenue. The adoption preamble explains apportionment for both a person and its affiliates and does not impose a separate periodic apportionment form through this rule. That explanation does not eliminate §.103’s information-request or challenge consequences.","Exact authority and source":"S001 §.105(b); S013, P65790/I15, apportionment discussion and footnotes111–112; S001 §.103."},"coordinator_verification_status":"whole_report_reviewed_selected_primary_checks_only_see_exact_source_bounds","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false},{"claim_id":"R091-P1-C058","area_numbers":[91],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R091-P1-C058","Supported rule and limits":"The adopted test is more than $10 million in the defined annual receipts. Equality alone does not meet this threshold. However, equality or a lower current measure does not itself negate continuing status under §.102 or another statutory supervisory route. No automatic inflation-index formula appears in the selected rule.","Exact authority and source":"S001 §.105(b), §§.101–.102; S002 §5514(a)(1)."},"coordinator_verification_status":"whole_report_reviewed_selected_primary_checks_only_see_exact_source_bounds","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false},{"claim_id":"R091-P1-C059","area_numbers":[91],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R091-P1-C059","Supported rule and limits":"The selected debt-collection rule does not prescribe a universal December31 snapshot date, rounding rule, partial-week convention, or a complete solution for every multiple-short-year/intercompany-accounting issue. It uses completed fiscal periods and specified aggregation events. Those unestablished conventions prevent an actual or purportedly complete computational model here.","Exact authority and source":"S001, Annual receipts(i)–(iii), §.102; S019 limited read."},"coordinator_verification_status":"whole_report_reviewed_selected_primary_checks_only_see_exact_source_bounds","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false},{"claim_id":"R091-P1-C060","area_numbers":[91],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R091-P1-C060","Supported rule and limits":"A larger participant is a nonbank covered person that met a SubpartB test within §.102’s period. A qualifying person shall not cease to be a larger participant until two years from the first day of the tax year in which it last met the applicable test.","Exact authority and source":"S001 §.101, Larger participant; complete §.102."},"coordinator_verification_status":"whole_report_reviewed_selected_primary_checks_only_see_exact_source_bounds","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false},{"claim_id":"R091-P1-C061","area_numbers":[91],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R091-P1-C061","Supported rule and limits":"The anchor is not the date of a supervisory letter, acquisition, last receipt, or the end of the tax year. A decline in present receipts does not by itself establish immediate loss of status; the historical measurement and continuation provisions both matter.","Exact authority and source":"S001 §§.102,.105(a); textual comparison."},"coordinator_verification_status":"whole_report_reviewed_selected_primary_checks_only_see_exact_source_bounds","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false},{"claim_id":"R091-P1-C062","area_numbers":[91],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R091-P1-C062","Supported rule and limits":"Supervision includes the Bureau’s exercise or intended exercise of §5514 authority, including initiating/undertaking an examination or requiring a report. “Supervision Director” includes designated Bureau employees, and the Bureau Director may perform those functions.","Exact authority and source":"S001 §.101, Supervision and Supervision Director."},"coordinator_verification_status":"whole_report_reviewed_selected_primary_checks_only_see_exact_source_bounds","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false},{"claim_id":"R091-P1-C063","area_numbers":[91],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R091-P1-C063","Supported rule and limits":"If a person receives a written communication initiating §5514 supervisory activity, it may assert that it does not meet the larger-participant definition within45 days of the date of the communication. Receipt triggers availability of this route, but the expressed period is measured from the communication’s date.","Exact authority and source":"S001 §.103(a)."},"coordinator_verification_status":"whole_report_reviewed_selected_primary_checks_only_see_exact_source_bounds","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false},{"claim_id":"R091-P1-C064","area_numbers":[91],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R091-P1-C064","Supported rule and limits":"That response must be electronically transmitted to the Supervision Director at the address in the communication and must include an affidavit explaining the basis for the asserted absence of larger-participant status and resulting assertion of no §5514 supervision under this route.","Exact authority and source":"S001 §.103(a)."},"coordinator_verification_status":"whole_report_reviewed_selected_primary_checks_only_see_exact_source_bounds","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false},{"claim_id":"R091-P1-C065","area_numbers":[91],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R091-P1-C065","Supported rule and limits":"Supporting records/documents/information may accompany the response. Nevertheless, subsection(b) deems the person to have waived reliance, when disputing larger-participant status, on an argument or material not submitted under(a). The optional-attachment wording must be read with that consequence.","Exact authority and source":"S001 §.103(a)–(b)."},"coordinator_verification_status":"whole_report_reviewed_selected_primary_checks_only_see_exact_source_bounds","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false},{"claim_id":"R091-P1-C066","area_numbers":[91],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R091-P1-C066","Supported rule and limits":"Failure to respond within the stated45-day period results in a deemed acknowledgment of larger-participant status, subject to the timeframe-modification authority in(e). It is not a statutory admission that a debt is valid or that misconduct occurred.","Exact authority and source":"S001 §.103(b),(e); scope of §.100."},"coordinator_verification_status":"whole_report_reviewed_selected_primary_checks_only_see_exact_source_bounds","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false},{"claim_id":"R091-P1-C067","area_numbers":[91],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R091-P1-C067","Supported rule and limits":"The Supervision Director shall review the affidavit, attached material, and any other information deemed relevant, then send an electronic statement explaining whether the person meets the larger-participant definition.","Exact authority and source":"S001 §.103(c)."},"coordinator_verification_status":"whole_report_reviewed_selected_primary_checks_only_see_exact_source_bounds","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false},{"claim_id":"R091-P1-C068","area_numbers":[91],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R091-P1-C068","Supported rule and limits":"At any time, including before the initiating communication, the Supervision Director may require records, documents, and information considered appropriate to assess status. The recipient must provide the requested material within the period specified in the request.","Exact authority and source":"S001 §.103(d)."},"coordinator_verification_status":"whole_report_reviewed_selected_primary_checks_only_see_exact_source_bounds","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false},{"claim_id":"R091-P1-C069","area_numbers":[91],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R091-P1-C069","Supported rule and limits":"The Supervision Director may, in discretion, modify any timeframe prescribed by §.103, on the official’s own initiative or for good cause shown. An extension is not automatic.","Exact authority and source":"S001 §.103(e)."},"coordinator_verification_status":"whole_report_reviewed_selected_primary_checks_only_see_exact_source_bounds","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false},{"claim_id":"R091-P1-C070","area_numbers":[91],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R091-P1-C070","Supported rule and limits":"Section.103 itself does not specify calendar-versus-business-day counting, a deemed-receipt rule, a fixed decision deadline, a formal hearing, a stated evidentiary burden such as preponderance, a separate administrative appeal, or an automatic stay. No such procedure or consequence is inferred here.","Exact authority and source":"S001, complete §.103(a)–(e)."},"coordinator_verification_status":"whole_report_reviewed_selected_primary_checks_only_see_exact_source_bounds","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false},{"claim_id":"R091-P1-C071","area_numbers":[91],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R091-P1-C071","Supported rule and limits":"The 2012 preamble’s footnote45 describes the waiver as relating to the particular year at issue and contemplates a later dispute when receipts decline and a later supervisory initiation occurs outside the two-year continuation period. This is attributed agency explanation, not additional codified language or a judicial holding.","Exact authority and source":"S012, P42882/I8, footnote45 and surrounding §.103 analysis; S001 §§.102–.103."},"coordinator_verification_status":"whole_report_reviewed_selected_primary_checks_only_see_exact_source_bounds","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false},{"claim_id":"R091-P1-C072","area_numbers":[91],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R091-P1-C072","Supported rule and limits":"Section5514(b)(1) directs periodic reports/examinations to assess compliance with Federal consumer financial law, obtain activity/compliance-system information, and detect/assess consumer and market risks. It does not pronounce an actual compliance result.","Exact authority and source":"S002 §5514(b)(1)(A)–(C)."},"coordinator_verification_status":"whole_report_reviewed_selected_primary_checks_only_see_exact_source_bounds","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false},{"claim_id":"R091-P1-C073","area_numbers":[91],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R091-P1-C073","Supported rule and limits":"Supervision is risk based, considering applicable asset size, transaction volume, consumer risks, State oversight, and other relevant factors. “Periodic” does not establish a universal examination frequency for every larger participant.","Exact authority and source":"S002 §5514(b)(1)–(2)."},"coordinator_verification_status":"whole_report_reviewed_selected_primary_checks_only_see_exact_source_bounds","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false},{"claim_id":"R091-P1-C074","area_numbers":[91],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R091-P1-C074","Supported rule and limits":"The Bureau must coordinate with specified regulators and State agencies, use existing agency/public reports to the fullest extent possible, and retains authority to require information owned or controlled by the covered person even if another person stores/processes it.","Exact authority and source":"S002 §5514(b)(3)–(5)."},"coordinator_verification_status":"whole_report_reviewed_selected_primary_checks_only_see_exact_source_bounds","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false},{"claim_id":"R091-P1-C075","area_numbers":[91],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R091-P1-C075","Supported rule and limits":"The statute requires transmission to the IRS Commissioner of examination material identifying possible tax-law noncompliance. This is not a tax assessment or a finding that any person owes tax.","Exact authority and source":"S002 §5514(b)(6)."},"coordinator_verification_status":"whole_report_reviewed_selected_primary_checks_only_see_exact_source_bounds","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false},{"claim_id":"R091-P1-C076","area_numbers":[91],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R091-P1-C076","Supported rule and limits":"The Bureau must prescribe rules facilitating supervision and may require records or prescribe obligation-related requirements, potentially including background checks or bonding. This authorization is not proof that a named actor was checked, bonded, approved, or found legitimate.","Exact authority and source":"S002 §5514(b)(7)(A)–(D)."},"coordinator_verification_status":"whole_report_reviewed_selected_primary_checks_only_see_exact_source_bounds","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false},{"claim_id":"R091-P1-C077","area_numbers":[91],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R091-P1-C077","Supported rule and limits":"Separate statutory authority permits registration rules, excluding the stated insured-depository, insured-credit-union, and related-person categories, and permits public registration disclosures subject to such rules. Part1090 status itself is not a registration entry. The full registration regime and nested related-person application are held.","Exact authority and source":"S004 §5512(c)(7)(A)–(C); S003 §5481(25); S001 selected body."},"coordinator_verification_status":"whole_report_reviewed_selected_primary_checks_only_see_exact_source_bounds","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false},{"claim_id":"R091-P1-C078","area_numbers":[91],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R091-P1-C078","Supported rule and limits":"Section5514 has other supervisory routes besides larger-participant rules: specified real-estate-loan activities; a risk-based order after notice and reasonable opportunity to respond; specified private-education-loan activity subject to its cross-references; and payday loans. Failure of this one market test is not universal immunity. No other route is classified here.","Exact authority and source":"S002 §5514(a)(1)(A)–(E),(a)(3)."},"coordinator_verification_status":"whole_report_reviewed_selected_primary_checks_only_see_exact_source_bounds","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false},{"claim_id":"R091-P1-C079","area_numbers":[91],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R091-P1-C079","Supported rule and limits":"The enforcement and rulemaking/examination exclusivity clauses are conditional, including express §5581 exceptions. The FTC coordination clause includes notice where feasible, a pending-action restriction, intervention rights, and permission for agreement terms to modify/supersede that restriction. The complete transferred-authority and enforcement regimes were not traced; no universal exclusivity claim follows.","Exact authority and source":"S002 §5514(c)(1)–(3),(d); S008 §5517(p)."},"coordinator_verification_status":"whole_report_reviewed_selected_primary_checks_only_see_exact_source_bounds","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false},{"claim_id":"R091-P1-C080","area_numbers":[91],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R091-P1-C080","Supported rule and limits":"Section5514(e) applies a bank-service relationship analogy to service providers and requires coordination with the appropriate prudential regulator where applicable. Incorporated §1867(c) concerns authorized bank services performed by contract or otherwise for the specified examined institutions/affiliates, permits examination as if performed on bank premises, and contains a depository-institution notice clause. Its 30-day notice is not imported here as a general Part1090 challenge period or a proven nonbank filing duty.","Exact authority and source":"S002 §5514(e); S007 complete §1867(c)(1)–(2)."},"coordinator_verification_status":"whole_report_reviewed_selected_primary_checks_only_see_exact_source_bounds","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false},{"claim_id":"R091-P1-C081","area_numbers":[91],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R091-P1-C081","Supported rule and limits":"Section5514(f) preserves Farm Credit Administration authority. It does not itself classify an actor or complete that separate statutory regime.","Exact authority and source":"S002 §5514(f)."},"coordinator_verification_status":"whole_report_reviewed_selected_primary_checks_only_see_exact_source_bounds","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false},{"claim_id":"R091-P1-C082","area_numbers":[91],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R091-P1-C082","Supported rule and limits":"The practice-of-law limit applies to the specified State-licensed legal activity, but §5517(e)(2) preserves authority over qualifying consumer-financial-product/service offerings outside the stated exclusive attorney-client practice context, or to consumers not receiving connected legal advice/services. Paragraph(e)(3) preserves enumerated/transferred-law authority; (n) preserves specified service-provider/information possibilities. A lawyer label is not universal immunity.","Exact authority and source":"S008 §5517(e)(1)–(3),(n); S003 §5481(5)."},"coordinator_verification_status":"whole_report_reviewed_selected_primary_checks_only_see_exact_source_bounds","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false},{"claim_id":"R091-P1-C083","area_numbers":[91],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R091-P1-C083","Supported rule and limits":"Confidential supervisory information includes specified examination/report material and derivatives, supervisory records, related supervisory communications, specified information furnished for risk or jurisdiction assessment, and information within the stated FOIA-exemption reference. “Confidential information” excludes Bureau-authorized public disclosure and otherwise remains confidential when held by a third party. The questionable citation in(i)(4) is preserved in C090.","Exact authority and source":"S020 §1070.2(f),(i)(1)–(5),(l),(q)."},"coordinator_verification_status":"whole_report_reviewed_selected_primary_checks_only_see_exact_source_bounds","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false},{"claim_id":"R091-P1-C084","area_numbers":[91],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R091-P1-C084","Supported rule and limits":"Section1070.41(a) restricts disclosure by current/former Bureau personnel, contractors/consultants, and other holders, except as required by law or provided in Part1070; internal access is also limited by relevance to assigned duties. This is not an absolute nondisclosure promise.","Exact authority and source":"S020 §1070.41(a)(1)–(2)."},"coordinator_verification_status":"whole_report_reviewed_selected_primary_checks_only_see_exact_source_bounds","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false},{"claim_id":"R091-P1-C085","area_numbers":[91],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R091-P1-C085","Supported rule and limits":"Bureau contractors/consultants must comply with the stated confidentiality/security requirements and additional Bureau conditions; receipt of confidential information requires the specified written certification. This is a confidentiality condition, not a professional license or provider endorsement.","Exact authority and source":"S020 §1070.41(b)."},"coordinator_verification_status":"whole_report_reviewed_selected_primary_checks_only_see_exact_source_bounds","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false},{"claim_id":"R091-P1-C086","area_numbers":[91],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R091-P1-C086","Supported rule and limits":"The Bureau may disclose derived materials in its discretion to the extent they do not directly or indirectly identify a person to whom the confidential information pertains.","Exact authority and source":"S020 §1070.41(c)."},"coordinator_verification_status":"whole_report_reviewed_selected_primary_checks_only_see_exact_source_bounds","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false},{"claim_id":"R091-P1-C087","area_numbers":[91],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R091-P1-C087","Supported rule and limits":"Where practicable, the Bureau may, in discretion and consistent with applicable law, disclose identifying confidential information upon obtaining the specified persons’ prior consent. No actual consent or disclosure decision is supplied.","Exact authority and source":"S020 §1070.41(d)."},"coordinator_verification_status":"whole_report_reviewed_selected_primary_checks_only_see_exact_source_bounds","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false},{"claim_id":"R091-P1-C088","area_numbers":[91],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R091-P1-C088","Supported rule and limits":"Section1070.41 does not require or authorize disclosure of another agency’s confidential information, received directly or through a holder, to the extent disclosure would contravene applicable law or the governing interagency agreement.","Exact authority and source":"S020 §1070.41(e)."},"coordinator_verification_status":"whole_report_reviewed_selected_primary_checks_only_see_exact_source_bounds","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false},{"claim_id":"R091-P1-C089","area_numbers":[91],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R091-P1-C089","Supported rule and limits":"SubpartD does not govern requests for official information made under SubpartsB, C, orE. Full public-access, disclosure-exception, privilege, and request procedures remain outside this pass.","Exact authority and source":"S020 complete §1070.40; §1070.41(a)’s exceptions."},"coordinator_verification_status":"whole_report_reviewed_selected_primary_checks_only_see_exact_source_bounds","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false},{"claim_id":"R091-P1-C090","area_numbers":[91],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R091-P1-C090","Supported rule and limits":"Both the current §1070.2(i)(4) and the examined 2020 adopted text print “12 U.S.C. 5414(b)(1)(C)”. Section5514(b)(1)(C) separately contains the relevant risk-assessment language. The apparent numerical mismatch is recorded, not judicially or editorially repaired here.","Exact authority and source":"S020 §1070.2(i)(4); S021 P75217/I23; S002 §5514(b)(1)(C)."},"coordinator_verification_status":"whole_report_reviewed_selected_primary_checks_only_see_exact_source_bounds","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false,"coordinator_followup_review":"[internal evidence reference]","coordinator_followup_note":"P3selected current/original2020bodies and statutory comparison support the literal-reference observation; selected2020preamble adds5514context,2024operationdoesnotchange(i)(4). Numericalrepair/fullhistory/actualeffect remain unresolved. No rawrewrite or blanketclearance."},{"claim_id":"R091-P1-C091","area_numbers":[91],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R091-P1-C091","Supported rule and limits":"Section5512(c)(6) mandates confidentiality rules and provides conditional interagency access to examination reports, including reasonable confidentiality assurances and jurisdiction predicates. It does not grant the public unconditional access to supervisory records.","Exact authority and source":"S004 §5512(c)(6)(A)–(C), read with(c)(8)–(9); S020."},"coordinator_verification_status":"whole_report_reviewed_selected_primary_checks_only_see_exact_source_bounds","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false},{"claim_id":"R091-P1-C092","area_numbers":[91],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R091-P1-C092","Supported rule and limits":"Meeting the regulatory definition, receiving an agency status determination, and actually undergoing a current examination are distinct matters. A public legal criterion proves none of the missing organization-specific events.","Exact authority and source":"S001 §§.100–.103; S002 §5514(b)(1)–(2); bounded inference."},"coordinator_verification_status":"whole_report_reviewed_selected_primary_checks_only_see_exact_source_bounds","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false},{"claim_id":"R091-P1-C093","area_numbers":[91],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R091-P1-C093","Supported rule and limits":"Larger-participant status does not itself establish licensing, current registration, verified identity, ownership, lawful practices, quality, solvency, or government endorsement. Separate statutory powers to impose requirements do not prove their exercise or satisfaction.","Exact authority and source":"S001; S002 §5514(b)(7); S004 §5512(c)(7); bounded inference."},"coordinator_verification_status":"whole_report_reviewed_selected_primary_checks_only_see_exact_source_bounds","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false},{"claim_id":"R091-P1-C094","area_numbers":[91],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R091-P1-C094","Supported rule and limits":"The selected provisions supply no basis here to declare a private cause of action, penalty amount, damages, refund, cancellation, discharge, invalid contract, collection defense, or actual recovery. Those propositions require separate complete authority and predicates.","Exact authority and source":"S001 selected body; S002 §5514(c); explicit limits of this investigation."},"coordinator_verification_status":"whole_report_reviewed_selected_primary_checks_only_see_exact_source_bounds","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false},{"claim_id":"R091-P1-C095","area_numbers":[91],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R091-P1-C095","Supported rule and limits":"Federal market classification does not complete State, tribal, territorial, foreign, licensing, debt-validity, FDCPA, litigation, or provider-profile analysis. An exclusion from this test is not a conclusion about all other laws.","Exact authority and source":"S002 §5514(a),(c)–(f); S008; S001’s bounded purpose."},"coordinator_verification_status":"whole_report_reviewed_selected_primary_checks_only_see_exact_source_bounds","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false},{"claim_id":"R091-P1-C096","area_numbers":[91],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"R091-P1-C096","Supported rule and limits":"Currentness is qualified by the eCFR/statutory cutoffs, unsuccessful original-correction access, the two stated cross-reference discrepancies, incomplete tax-return incorporations, and absence of a judicial/later-law certification. No failure is treated as repeal, legal absence, or proof that no later development exists.","Exact authority and source":"S001–S021 and the read/failure log below."},"coordinator_verification_status":"whole_report_reviewed_selected_primary_checks_only_see_exact_source_bounds","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false}],"sources":[{"source_id":"R091-P1-S001","urls":["https://www.ecfr.gov/current/title-12/chapter-X/part-1090","https://www.ecfr.gov/current/title-12/chapter-X/part-1090/subpart-B/section-1090.105","https://www.govinfo.gov/content/pkg/CFR-2025-title12-vol9/pdf/CFR-2025-title12-vol9-part1090.pdf","https://www.ecfr.gov/current/title-12/chapter-X/part-1090?utm_source=chatgpt.com","https://www.ecfr.gov/current/title-12/chapter-X/part-1090/subpart-B/section-1090.105?utm_source=chatgpt.com","https://www.govinfo.gov/content/pkg/CFR-2025-title12-vol9/pdf/CFR-2025-title12-vol9-part1090.pdf?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"R091-P1-S001","Issuer, title, and complete literal HTTPS URLs":"Bureau of Consumer Financial Protection; OFR/GPO codification, 12 CFR Part 1090—Defining Larger Participants of Certain Consumer Financial Product and Service Markets. https://www.ecfr.gov/current/title-12/chapter-X/part-1090; section view: https://www.ecfr.gov/current/title-12/chapter-X/part-1090/subpart-B/section-1090.105; annual edition: https://www.govinfo.gov/content/pkg/CFR-2025-title12-vol9/pdf/CFR-2025-title12-vol9-part1090.pdf","Exact read bounds":"Complete authority/source notes and §§1090.100, .101, .102, .103, .105. Annual edition: §§.100–.103, P1173–1175/I0–2; §.105, P1176–1178/I3–5. Other market provisions were not substantively investigated.","Version, legal status, effectiveness, and limits":"Final eCFR display: through 10/26/2026; Title 12 last amended 10/23/2026. Earlier captures displayed earlier cutoffs, retained in the log. eCFR describes itself as authoritative but unofficial, not the official legal edition. Annual CFR: January 1, 2025 edition, historical support only. Selected effective dates are authenticated separately in S012–S016."},"coordinator_verification_status":"selected_primary_bodies_checked_with_explicit_bounds","coordinator_read_bounds":"Complete current1090.100-.103 lines115-176 and .105 lines212-252 in1090; authority/source109-113 and currency69. Othermarkets/annualCFR not freshly examined. No entirePart or pixels.","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-28T10:21:41.986441+00:00"},{"source_id":"R091-P1-S002","urls":["https://uscode.house.gov/us/usc/119-124/t12/s5514/","https://uscode.house.gov/us/usc/119-124/t12/s5514/?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"R091-P1-S002","Issuer, title, and complete literal HTTPS URLs":"Office of the Law Revision Counsel, 12 USC 5514—Supervision of nondepository covered persons. https://uscode.house.gov/us/usc/119-124/t12/s5514/","Exact read bounds":"Complete §5514(a)–(f), source credit, amendment note, references note, and effective-date note. HTML; no PDF pagination.","Version, legal status, effectiveness, and limits":"Displayed laws in effect through PL119-124, 10/15/2026. Enacted statutory text; original and material amendment examined in S009–S010. No exhaustive later-law or judicial audit."},"coordinator_verification_status":"selected_primary_bodies_checked_with_explicit_bounds","coordinator_read_bounds":"Complete5514(a)-(f), lines21-139 and materialcredit/amendment/effectivenotes141-154 in5514; October15cutoff15. Fullnestedincorporations not completed.","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-28T10:21:41.986441+00:00"},{"source_id":"R091-P1-S003","urls":["https://uscode.house.gov/us/usc/119-124/t12/s5481/","https://uscode.house.gov/us/usc/119-124/t12/s5481/?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"R091-P1-S003","Issuer, title, and complete literal HTTPS URLs":"OLRC, 12 USC 5481—Definitions. https://uscode.house.gov/us/usc/119-124/t12/s5481/","Exact read bounds":"Complete selected definitions (1)–(11), (14), (15)(A)–(C), (17), (19), (24)–(27). Especially the complete financial-product/service and service-provider definitions. Surrounding portions were encountered, but no claim that every incorporated financial-law regime was investigated.","Version, legal status, effectiveness, and limits":"Same 10/15/2026 statutory cutoff. Definition text and editorial notes distinguished. Underlying insurance, securities, banking, transferred-law, and other regimes remain bounded dependencies where relevant."},"coordinator_verification_status":"selected_primary_bodies_checked_with_explicit_bounds","coordinator_read_bounds":"Selected complete5481(1)-(11), (14), (15)(A)-(C), (17), (19), (24)-(27), lines22-82,123-198,204-206,211-213,254-299 in5481. October15cutoff15. Otherincidentalcategories not adopted; complete nestedsector/institutional regimes held.","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-28T10:21:41.986441+00:00"},{"source_id":"R091-P1-S004","urls":["https://uscode.house.gov/us/usc/119-124/t12/s5512/","https://uscode.house.gov/us/usc/119-124/t12/s5512/?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"R091-P1-S004","Issuer, title, and complete literal HTTPS URLs":"OLRC, 12 USC 5512—Rulemaking authority. https://uscode.house.gov/us/usc/119-124/t12/s5512/","Exact read bounds":"Complete (a), (b)(1)–(4), and (c)(1)–(9) read; reliance is principally on (a), (b)(1), (b)(3), (c)(5)–(9). Effective-date note read. Section (d), unrelated subsidiary provisions, and incorporated regimes are not treated as completed investigations.","Version, legal status, effectiveness, and limits":"Same statutory cutoff. Section 1029A’s special commencement clause applies to §1022, codified here. S009 authenticates that clause. Registration and confidentiality authority are distinguished from particular implementing rules or actual registration/disclosure."},"coordinator_verification_status":"not_freshly_reopened","coordinator_read_bounds":"Not freshly reopened; original source, history, currentness, incorporation and actual-application limits remain.","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-28T10:21:41.986441+00:00"},{"source_id":"R091-P1-S005","urls":["https://uscode.house.gov/us/usc/119-124/t12/s5515/","https://uscode.house.gov/us/usc/119-124/t12/s5516/","https://uscode.house.gov/us/usc/119-124/t12/s5515/?utm_source=chatgpt.com","https://uscode.house.gov/us/usc/119-124/t12/s5516/?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"R091-P1-S005","Issuer, title, and complete literal HTTPS URLs":"OLRC, 12 USC 5515 and 5516, institutional exclusions. https://uscode.house.gov/us/usc/119-124/t12/s5515/; https://uscode.house.gov/us/usc/119-124/t12/s5516/","Exact read bounds":"Complete §5515(a) and §5516(a). Remainders not used as a completed bank-supervision dossier.","Version, legal status, effectiveness, and limits":"Same statutory cutoff. The two provisions have different affiliate wording. Original subtitle application is governed by S009’s §1029A, subject to its express exceptions. No actual insured status or asset measure established."},"coordinator_verification_status":"not_freshly_reopened","coordinator_read_bounds":"Not freshly reopened; original source, history, currentness, incorporation and actual-application limits remain.","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-28T10:21:41.986441+00:00"},{"source_id":"R091-P1-S006","urls":["https://uscode.house.gov/us/usc/119-124/t12/s5301/","https://uscode.house.gov/us/usc/119-124/t12/s1813/","https://uscode.house.gov/us/usc/119-124/t12/s1752/","https://uscode.house.gov/us/usc/119-124/t12/s5301/?utm_source=chatgpt.com","https://uscode.house.gov/us/usc/119-124/t12/s1813/?utm_source=chatgpt.com","https://uscode.house.gov/us/usc/119-124/t12/s1752/?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"R091-P1-S006","Issuer, title, and complete literal HTTPS URLs":"OLRC, incorporated institutional definitions. https://uscode.house.gov/us/usc/119-124/t12/s5301/; https://uscode.house.gov/us/usc/119-124/t12/s1813/; https://uscode.house.gov/us/usc/119-124/t12/s1752/","Exact read bounds":"Complete selected §5301(9), (18)(A); §1813(a)–(c); §1752(1), (5)–(7). These support the insured-depository/credit-union terminology; they do not complete chartering, insurance, or all banking definitions.","Version, legal status, effectiveness, and limits":"Same statutory cutoff. Current codified definitions read; their complete historical amendment chains were not authenticated. Special §1813(c)(3) treatment is not transposed beyond its expressly stated purpose."},"coordinator_verification_status":"not_freshly_reopened","coordinator_read_bounds":"Not freshly reopened; original source, history, currentness, incorporation and actual-application limits remain.","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-28T10:21:41.986441+00:00"},{"source_id":"R091-P1-S007","urls":["https://uscode.house.gov/us/usc/119-124/t12/s1867/","https://uscode.house.gov/us/usc/119-124/t12/s1867/?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"R091-P1-S007","Issuer, title, and complete literal HTTPS URLs":"OLRC, 12 USC 1867—Regulation and examination of bank service companies. https://uscode.house.gov/us/usc/119-124/t12/s1867/","Exact read bounds":"Complete §1867(c), the incorporation in §5514(e).","Version, legal status, effectiveness, and limits":"Same statutory cutoff. Narrow service-provider analogy only. The full bank-service, appropriate-agency, notice, and enforcement regimes remain held."},"coordinator_verification_status":"not_freshly_reopened","coordinator_read_bounds":"Not freshly reopened; original source, history, currentness, incorporation and actual-application limits remain.","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-28T10:21:41.986441+00:00"},{"source_id":"R091-P1-S008","urls":["https://uscode.house.gov/us/usc/119-124/t12/s5517/","https://uscode.house.gov/us/usc/119-124/t12/s5517/?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"R091-P1-S008","Issuer, title, and complete literal HTTPS URLs":"OLRC, 12 USC 5517—Limitations on authorities of the Bureau; preservation of authorities. https://uscode.house.gov/us/usc/119-124/t12/s5517/","Exact read bounds":"Complete (e)(1)–(3), (n), and (p) read for practice-of-law limits, preserved service-provider/information authority, and Attorney General authority. Other exclusions and their nested incorporations are not represented as fully resolved.","Version, legal status, effectiveness, and limits":"Same statutory cutoff. No attorney, professional, or other actor was classified. State-law practice boundaries and enumerated-law application remain held."},"coordinator_verification_status":"not_freshly_reopened","coordinator_read_bounds":"Not freshly reopened; original source, history, currentness, incorporation and actual-application limits remain.","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-28T10:21:41.986441+00:00"},{"source_id":"R091-P1-S019","urls":["https://www.irs.gov/publications/p538","https://www.irs.gov/publications/p538?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"R091-P1-S019","Issuer, title, and complete literal HTTPS URLs":"Internal Revenue Service, Publication 538, Accounting Periods and Methods. https://www.irs.gov/publications/p538","Exact read bounds":"Selected complete headings on Accounting Periods, Calendar Year, Fiscal Year, 52–53-Week Tax Year, and Short Tax Year introduction. Not the whole publication; no return or form-specific income/COGS instruction was examined.","Version, legal status, effectiveness, and limits":"Displayed Publication 538 (01/2022), revised January 2022. Official tax instruction, not an amendment to §1090.105. It supports accounting-period terminology; return-specific receipt classification remains unresolved."},"coordinator_verification_status":"not_freshly_reopened","coordinator_read_bounds":"Not freshly reopened; original source, history, currentness, incorporation and actual-application limits remain.","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-28T10:21:41.986441+00:00"},{"source_id":"R091-P1-S020","urls":["https://www.ecfr.gov/current/title-12/chapter-X/part-1070/subpart-A/section-1070.2","https://www.ecfr.gov/current/title-12/chapter-X/part-1070/subpart-D/section-1070.40","https://www.ecfr.gov/current/title-12/chapter-X/part-1070/subpart-D/section-1070.41","https://www.ecfr.gov/current/title-12/chapter-X/part-1070/subpart-A/section-1070.2?utm_source=chatgpt.com","https://www.ecfr.gov/current/title-12/chapter-X/part-1070/subpart-D/section-1070.40?utm_source=chatgpt.com","https://www.ecfr.gov/current/title-12/chapter-X/part-1070/subpart-D/section-1070.41?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"R091-P1-S020","Issuer, title, and complete literal HTTPS URLs":"Bureau/OFR/GPO, narrow confidentiality provisions. https://www.ecfr.gov/current/title-12/chapter-X/part-1070/subpart-A/section-1070.2; https://www.ecfr.gov/current/title-12/chapter-X/part-1070/subpart-D/section-1070.40; https://www.ecfr.gov/current/title-12/chapter-X/part-1070/subpart-D/section-1070.41","Exact read bounds":"Complete §1070.2, with reliance limited to material definitions; complete §§1070.40 and .41(a)–(e). No complete Part 1070, FOIA, privacy, privilege, or disclosure-request investigation.","Version, legal status, effectiveness, and limits":"Final displays through 10/26/2026. Official-hosted, unofficial codification. Selected 2020 adopted text authenticated in S021. A printed statutory cross-reference discrepancy remains visible below."},"coordinator_verification_status":"selected_primary_bodies_checked_with_explicit_bounds","coordinator_read_bounds":"Completecurrent1070.2(a)-(q)103-139 in1070-2, whole1070.40 at101-103, whole1070.41(a)-(e)101-112; October26cutoffs69. No completePart1070/FOIA/privacy/privilege/request/otherdisclosureexception chain.","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-28T10:21:41.986441+00:00","coordinator_followup_review":"[internal evidence reference]","coordinator_followup_scope":"Only the selected1070.2reference/current-and-adopted-definition comparison. Earlier1070.40/.41and other dependentdisclosure propositions are not reverified or cleared."},{"source_id":"R091-P1-S009","urls":["https://www.govinfo.gov/content/pkg/PLAW-111publ203/pdf/PLAW-111publ203.pdf","https://www.govinfo.gov/content/pkg/PLAW-111publ203/pdf/PLAW-111publ203.pdf?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"R091-P1-S009","Issuer, instrument, complete literal HTTPS URL":"Congress/GPO, Public Law 111-203, Dodd-Frank Act. https://www.govinfo.gov/content/pkg/PLAW-111publ203/pdf/PLAW-111publ203.pdf","Exact read bounds and pagination":"Selected complete §4, P124 Stat.1390/I15; §1022(a), (b)(1), P1980/I605; §1024(a)–(f), P1987–1990/I612–615; §1029A, P2005/I630; §1062, P2039–2040/I664–665. Not the entire Act.","Publication/effect/application/status":"Enacted July 21, 2010. §4 supplies a default one-day-after-enactment rule, subject to contrary provisions. §1029A makes §§1022 and 1024 effective on enactment, while generally applying the subtitle on the designated transfer date."},"coordinator_verification_status":"not_freshly_reopened","coordinator_read_bounds":"Not freshly reopened; original source, history, currentness, incorporation and actual-application limits remain.","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-28T10:21:41.986441+00:00"},{"source_id":"R091-P1-S010","urls":["https://www.govinfo.gov/content/pkg/PLAW-113publ173/pdf/PLAW-113publ173.pdf","https://www.govinfo.gov/content/pkg/PLAW-113publ173/pdf/PLAW-113publ173.pdf?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"R091-P1-S010","Issuer, instrument, complete literal HTTPS URL":"Congress/GPO, Public Law 113-173. https://www.govinfo.gov/content/pkg/PLAW-113publ173/pdf/PLAW-113publ173.pdf","Exact read bounds and pagination":"Complete Act, §§1–2, 128 Stat.1899/I0.","Publication/effect/application/status":"Approved September 26, 2014. Amends §5514(b)(3) concerning State-agency coordination and preservation of privilege/confidentiality when information is shared. No separate delayed-commencement clause appears in the read Act."},"coordinator_verification_status":"not_freshly_reopened","coordinator_read_bounds":"Not freshly reopened; original source, history, currentness, incorporation and actual-application limits remain.","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-28T10:21:41.986441+00:00"},{"source_id":"R091-P1-S011","urls":["https://www.govinfo.gov/content/pkg/FR-2010-09-20/pdf/2010-23487.pdf","https://www.govinfo.gov/content/pkg/FR-2010-09-20/pdf/2010-23487.pdf?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"R091-P1-S011","Issuer, instrument, complete literal HTTPS URL":"Department of the Treasury, Designated Transfer Date notice. https://www.govinfo.gov/content/pkg/FR-2010-09-20/pdf/2010-23487.pdf","Exact read bounds and pagination":"Selected complete DATES and operative designation paragraphs, 75 FR57252–57253/I0–1. Not all historical discussion relied on.","Publication/effect/application/status":"Published September 20, 2010; designates July 21, 2011. Historical transfer-date authority, not a present response deadline."},"coordinator_verification_status":"not_freshly_reopened","coordinator_read_bounds":"Not freshly reopened; original source, history, currentness, incorporation and actual-application limits remain.","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-28T10:21:41.986441+00:00"},{"source_id":"R091-P1-S012","urls":["https://www.govinfo.gov/content/pkg/FR-2012-07-20/pdf/2012-17603.pdf","https://www.federalregister.gov/documents/2012/07/20/2012-17603/defining-larger-participants-of-the-consumer-reporting-market","https://www.govinfo.gov/content/pkg/FR-2012-07-20/pdf/2012-17603.pdf?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"R091-P1-S012","Issuer, instrument, complete literal HTTPS URL":"Bureau, Defining Larger Participants of the Consumer Reporting Market, original general Part 1090 adoption. https://www.govinfo.gov/content/pkg/FR-2012-07-20/pdf/2012-17603.pdf; same-instrument HTML: https://www.federalregister.gov/documents/2012/07/20/2012-17603/defining-larger-participants-of-the-consumer-reporting-market","Exact read bounds and pagination":"DATES, P42874/I0; complete selected adopted §§1090.100–.103, P42898–42899/I24–25; complete selected discussion of §§.102–.103, P42881–42883/I7–9, including footnote45. Consumer-reporting-market substance not investigated.","Publication/effect/application/status":"Published July 20, 2012; effective September 30, 2012. Original regulatory text distinguished from preamble explanation."},"coordinator_verification_status":"not_freshly_reopened","coordinator_read_bounds":"Not freshly reopened; original source, history, currentness, incorporation and actual-application limits remain.","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-28T10:21:41.986441+00:00"},{"source_id":"R091-P1-S013","urls":["https://www.govinfo.gov/content/pkg/FR-2012-10-31/pdf/2012-26467.pdf","https://www.federalregister.gov/documents/2012/10/31/2012-26467/defining-larger-participants-of-the-consumer-debt-collection-market","https://www.govinfo.gov/content/pkg/FR-2012-10-31/pdf/2012-26467.pdf?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"R091-P1-S013","Issuer, instrument, complete literal HTTPS URL":"Bureau, Defining Larger Participants of the Consumer Debt Collection Market, final rule. https://www.govinfo.gov/content/pkg/FR-2012-10-31/pdf/2012-26467.pdf; same-instrument HTML: https://www.federalregister.gov/documents/2012/10/31/2012-26467/defining-larger-participants-of-the-consumer-debt-collection-market","Exact read bounds and pagination":"DATES P65775/I0; complete section IV, legal authority/effectiveness, P65778/I3; complete adopted §1090.105 and instructions, P65798/I23, concluding material P65799/I24. Selected complete apportionment discussion, P65790/I15, including relevant footnotes. Selected servicing discussion, P65782/I7. Not the whole preamble or its underlying empirical sources.","Publication/effect/application/status":"Published October 31, 2012; effective January 2, 2013. Original adopted text later corrected/amended as below."},"coordinator_verification_status":"selected_primary_bodies_checked_with_explicit_bounds","coordinator_read_bounds":"Official2012PDF DATES112/index0 and publicationheader0; completeadopted105/instructions4843-5029, printed65798-65799/indices23-24 in2012-adopted. Completeapportionment subsection3222-3327 on65790/index15 read in2012-apportionment; footnotes111-112 not freshly reread. FullIVlegal-effectiveness/servicing discussion/preamble and empiricalfoundations not freshly completed.","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-28T10:21:41.986441+00:00"},{"source_id":"R091-P1-S014","urls":["https://www.federalregister.gov/documents/2012/12/07/2012-29438/defining-larger-participants-of-the-consumer-debt-collection-market-correction","https://www.govinfo.gov/content/pkg/FR-2012-12-07/pdf/2012-29438.pdf","https://www.federalregister.gov/documents/2012/12/07/2012-29438/defining-larger-participants-of-the-consumer-debt-collection-market-correction?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"R091-P1-S014","Issuer, instrument, complete literal HTTPS URL":"Bureau/OFR, Correction to the consumer-debt-collection final rule. Readable rendition: https://www.federalregister.gov/documents/2012/12/07/2012-29438/defining-larger-participants-of-the-consumer-debt-collection-market-correction. Failed original: https://www.govinfo.gov/content/pkg/FR-2012-12-07/pdf/2012-29438.pdf","Exact read bounds and pagination":"Earlier successful government-hosted HTML/XML rendition: complete DATES, correction explanation, and all four correcting instructions. Publication locator 77 FR72913. PDF index unavailable because original PDF access failed. Later access to the rendition reached a security gate.","Publication/effect/application/status":"Published December 7, 2012; states effective January 2, 2013. Original-PDF authentication remains incomplete. A difference between one corrected cross-reference and current compilation is not silently repaired."},"coordinator_verification_status":"attempted_no_body_read","coordinator_read_bounds":"ATTEMPTED ONLY: original2012correction PDF and ordinary GovInfoHTML both inaccessible via webtool. No complete correctingbody freshlyread; priorresearcherrendition/currentexample-referencegapretained. No securitygatebypass or alternateoriginal authentication credited.","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-28T10:21:41.986441+00:00","later_source_authentication_supplement":"[internal evidence reference]","original_published_body_now_checked_at":"2026-10-28T10:58:35.238967+00:00","original_body_access_gap_resolved_with_limits":true,"prior_read_record_and_raw_preserved":true,"example_reference_chain_still_open":true},{"source_id":"R091-P1-S015","urls":["https://www.govinfo.gov/content/pkg/FR-2015-06-30/pdf/2015-14630.pdf","https://www.govinfo.gov/content/pkg/FR-2015-06-30/pdf/2015-14630.pdf?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"R091-P1-S015","Issuer, instrument, complete literal HTTPS URL":"Bureau, Defining Larger Participants of the Automobile Financing Market and Defining Certain Automobile Leasing Activity as a Financial Product or Service—only amendments material here. https://www.govinfo.gov/content/pkg/FR-2015-06-30/pdf/2015-14630.pdf","Exact read bounds and pagination":"DATES P37496/I0; selected complete explanatory discussion P37506/I10; complete adopted instructions 2, 3, and 5, including revised nonbank-covered-person definition and §1090.105 annual-receipts (iii)(D), P37526/I30. Other market and leasing rules held.","Publication/effect/application/status":"Published June 30, 2015; effective August 31, 2015."},"coordinator_verification_status":"selected_primary_bodies_checked_with_explicit_bounds","coordinator_read_bounds":"2015officialHTML DATES89/publication0-4; complete selectedinstructions2/3 and5,4430-4453,4477-4495 in2015-adopted/end, printed37526. Instruction4forothermarket incidental/unneeded. No completepreamble/othermarket/PDF/pixels.","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-28T10:21:41.986441+00:00"},{"source_id":"R091-P1-S016","urls":["https://www.govinfo.gov/content/pkg/FR-2024-11-29/pdf/2024-27978.pdf","https://www.govinfo.gov/content/pkg/FR-2024-11-29/pdf/2024-27978.pdf?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"R091-P1-S016","Issuer, instrument, complete literal HTTPS URL":"Bureau, Updates to Supervision and Enforcement Procedures. https://www.govinfo.gov/content/pkg/FR-2024-11-29/pdf/2024-27978.pdf","Exact read bounds and pagination":"DATES and selected organizational explanation, 89 FR94600/I0; complete Part1090 instructions 13–15, P94601/I1. Other amended procedural parts not investigated.","Publication/effect/application/status":"Published and effective November 29, 2024. Replaces the former officer designation with Supervision Director in §§.101/.103."},"coordinator_verification_status":"selected_primary_bodies_checked_with_explicit_bounds","coordinator_read_bounds":"2024officialHTML publication0-4,DATES25,complete selectedPart1090instructions13-15,201-226; purpose33-42. OtherproceduralParts not adopted as completedregimes. HTML no PDF/pixels.","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-28T10:21:41.986441+00:00"},{"source_id":"R091-P1-S017","urls":["https://www.govinfo.gov/content/pkg/FR-2025-08-08/pdf/2025-15091.pdf","https://www.govinfo.gov/content/pkg/FR-2025-08-08/pdf/2025-15091.pdf?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"R091-P1-S017","Issuer, instrument, complete literal HTTPS URL":"Bureau, Defining Larger Participants of the Consumer Debt Collection Market, advance notice. https://www.govinfo.gov/content/pkg/FR-2025-08-08/pdf/2025-15091.pdf","Exact read bounds and pagination":"Complete debt-collection notice body, 90 FR38418–38421/I0–3, excluding neighboring documents sharing pages. Action, dates, background, and questions read. Empirical estimates and underlying studies not adopted as findings.","Publication/effect/application/status":"Published August 8, 2025. Advance notice of proposed rulemaking, not an adopted amendment. Historical comment receipt date: on or before September 22, 2025."},"coordinator_verification_status":"not_freshly_reopened","coordinator_read_bounds":"Not freshly reopened; original source, history, currentness, incorporation and actual-application limits remain.","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-28T10:21:41.986441+00:00"},{"source_id":"R091-P1-S018","urls":["https://www.reginfo.gov/public/do/eAgendaViewRule?RIN=3170-AB51&pubId=202510","https://www.reginfo.gov/public/do/eAgendaViewRule?RIN=3170-AB51&pubId=202510&utm_source=chatgpt.com"],"researcher_record":{"Source ID":"R091-P1-S018","Issuer, instrument, complete literal HTTPS URL":"OIRA/Reginfo, public regulatory agenda, Defining Larger Participants of the Consumer Debt Collection Market. https://www.reginfo.gov/public/do/eAgendaViewRule?RIN=3170-AB51&pubId=202510","Exact read bounds and pagination":"Complete displayed agenda entry’s substantive status and timetable. Contact details not investigated or used. HTML; no printed/PDF page.","Publication/effect/application/status":"Displayed Publication ID2026, notwithstanding the URL parameter. “Proposed Rule Stage”; timetable contains NPRM09/00/2026. This is a planning placeholder, not a valid day-specific date, adopted rule, or legal deadline."},"coordinator_verification_status":"not_freshly_reopened","coordinator_read_bounds":"Not freshly reopened; original source, history, currentness, incorporation and actual-application limits remain.","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-28T10:21:41.986441+00:00"},{"source_id":"R091-P1-S021","urls":["https://www.govinfo.gov/content/pkg/FR-2020-11-24/pdf/2020-24113.pdf","https://www.govinfo.gov/content/pkg/FR-2020-11-24/pdf/2020-24113.pdf?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"R091-P1-S021","Issuer, instrument, complete literal HTTPS URL":"Bureau, Amendments Relating to Disclosure of Records and Information. https://www.govinfo.gov/content/pkg/FR-2020-11-24/pdf/2020-24113.pdf","Exact read bounds and pagination":"DATES, 85 FR75194/I0; complete instruction2 revising §1070.2, P75216–75217/I22–23; selected complete instruction3 text for §§1070.40–.41, P75217/I23. Not all other disclosure provisions or the whole preamble.","Publication/effect/application/status":"Published November 24, 2020; effective December 24, 2020. Adopted text contains the same §1070.2(i)(4) numerical cross-reference problem visible in current eCFR."},"coordinator_verification_status":"selected_primary_bodies_checked_with_explicit_bounds","coordinator_read_bounds":"2020officialHTMLinitiallyinaccessible; PDF alternative readable. DATES22-23/index0; completeadopted1070.2instruction2,4643-4809/indices22-23; selectedcompleteinstruction3bodies1070.40/41,4832-4910/index23, in2020-adopted. Printed75194/75216-75217. Findpacketlocatoronly; neededwholebodiesrereadfromopen. No fullpreamble/otherSubpartD/PDFpixels.","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-28T10:21:41.986441+00:00","coordinator_followup_review":"[internal evidence reference]","coordinator_followup_scope":"Only the selected1070.2reference/current-and-adopted-definition comparison. Earlier1070.40/.41and other dependentdisclosure propositions are not reverified or cleared."}],"coverage":[{"topic":"1 — Existence, heading, complete selected body","researcher_record":{"Question/material subquestion":"1 — Existence, heading, complete selected body","Coverage":"Answered","Findings, claims, sources, branches":"C001; S001; B001","Missing evidence or authority":"None for the accessed body.","Exact next permissible generic inquiry":"Check only later adopted changes to the selected provisions."},"raw_table_index":13,"coordinator_acceptance":"scoped_review_complete_selected_source_history_currentness_incorporation_actual_parent_holds_no_component_acceptance","coordinator_review":"[internal evidence reference]"},{"topic":"1 — All nested receipt/collector definitions and exclusions","researcher_record":{"Question/material subquestion":"1 — All nested receipt/collector definitions and exclusions","Coverage":"Answered, application excluded","Findings, claims, sources, branches":"C032–C059; S001; B007–B032","Missing evidence or authority":"No activity or accounting facts.","Exact next permissible generic inquiry":"Resolve a specific generic undefined term through official interpretation if necessary."},"raw_table_index":13,"coordinator_acceptance":"scoped_review_complete_selected_source_history_currentness_incorporation_actual_parent_holds_no_component_acceptance","coordinator_review":"[internal evidence reference]"},{"topic":"1 — Current operative/status chain through access date","researcher_record":{"Question/material subquestion":"1 — Current operative/status chain through access date","Coverage":"Partial","Findings, claims, sources, branches":"C002–C010,C096; S001,S012–S018; B001–B002,B042","Missing evidence or authority":"Post-cutoff history; original correction PDF; no judicial-status audit.","Exact next permissible generic inquiry":"Check official later adopted instruments and original correction availability."},"raw_table_index":13,"coordinator_acceptance":"scoped_review_complete_selected_source_history_currentness_incorporation_actual_parent_holds_no_component_acceptance","coordinator_review":"[internal evidence reference]"},{"topic":"1 — Proposed, future, withdrawn, repealed, stayed distinctions","researcher_record":{"Question/material subquestion":"1 — Proposed, future, withdrawn, repealed, stayed distinctions","Coverage":"Partial","Findings, claims, sources, branches":"C009,C096; S017–S018","Missing evidence or authority":"No adopted replacement authenticated; absence of a stay/repeal is not exhaustively certified.","Exact next permissible generic inquiry":"Examine a specific later official status instrument if located; do not infer from an announcement."},"raw_table_index":13,"coordinator_acceptance":"scoped_review_complete_selected_source_history_currentness_incorporation_actual_parent_holds_no_component_acceptance","coordinator_review":"[internal evidence reference]"},{"topic":"2 — Genuine indispensable general sections","researcher_record":{"Question/material subquestion":"2 — Genuine indispensable general sections","Coverage":"Answered","Findings, claims, sources, branches":"C001,C013–C031,C060–C070; S001 §§.100–.103","Missing evidence or authority":"Other markets deliberately excluded.","Exact next permissible generic inquiry":"Read another market only under a separate scope."},"raw_table_index":13,"coordinator_acceptance":"scoped_review_complete_selected_source_history_currentness_incorporation_actual_parent_holds_no_component_acceptance","coordinator_review":"[internal evidence reference]"},{"topic":"2 — Covered person, consumer, product/service, person","researcher_record":{"Question/material subquestion":"2 — Covered person, consumer, product/service, person","Coverage":"Answered at definition level; partial nested regimes","Findings, claims, sources, branches":"C014–C031; S001,S003–S006; B003–B006","Missing evidence or authority":"Sector-specific incorporations and all application facts.","Exact next permissible generic inquiry":"Complete the exact public incorporation for a disputed legal category."},"raw_table_index":13,"coordinator_acceptance":"scoped_review_complete_selected_source_history_currentness_incorporation_actual_parent_holds_no_component_acceptance","coordinator_review":"[internal evidence reference]"},{"topic":"2 — Debt ownership, creditor, collection and servicing","researcher_record":{"Question/material subquestion":"2 — Debt ownership, creditor, collection and servicing","Coverage":"Answered at text level; disputed edges partial","Findings, claims, sources, branches":"C032–C041; S001,S013; B007–B017","Missing evidence or authority":"Default/principal-purpose/regularity edge meanings.","Exact next permissible generic inquiry":"Seek narrow generic official clarification; retain judicial questions."},"raw_table_index":13,"coordinator_acceptance":"scoped_review_complete_selected_source_history_currentness_incorporation_actual_parent_holds_no_component_acceptance","coordinator_review":"[internal evidence reference]"},{"topic":"2 — Affiliate/company/control/related-party differences","researcher_record":{"Question/material subquestion":"2 — Affiliate/company/control/related-party differences","Coverage":"Answered","Findings, claims, sources, branches":"C019–C023,C036,C052–C055; S001,S003; B018–B020","Missing evidence or authority":"No relationship/control facts.","Exact next permissible generic inquiry":"Compare the distinct complete definitions without a group profile."},"raw_table_index":13,"coordinator_acceptance":"scoped_review_complete_selected_source_history_currentness_incorporation_actual_parent_holds_no_component_acceptance","coordinator_review":"[internal evidence reference]"},{"topic":"2 — §5514 authority and exclusions","researcher_record":{"Question/material subquestion":"2 — §5514 authority and exclusions","Coverage":"Answered at selected statutory level; wider regime partial","Findings, claims, sources, branches":"C013,C017–C018,C072–C082; S002,S005–S008","Missing evidence or authority":"Full §5581, other exclusions, and transferred laws.","Exact next permissible generic inquiry":"Read the particular indispensable exception before asserting broader authority."},"raw_table_index":13,"coordinator_acceptance":"scoped_review_complete_selected_source_history_currentness_incorporation_actual_parent_holds_no_component_acceptance","coordinator_review":"[internal evidence reference]"},{"topic":"3 — Exact amount and equality","researcher_record":{"Question/material subquestion":"3 — Exact amount and equality","Coverage":"Answered","Findings, claims, sources, branches":"C058; M001; S001(b); B032","Missing evidence or authority":"Defined receipt amount absent.","Exact next permissible generic inquiry":"No calculation; complete accounting definitions first."},"raw_table_index":13,"coordinator_acceptance":"scoped_review_complete_selected_source_history_currentness_incorporation_actual_parent_holds_no_component_acceptance","coordinator_review":"[internal evidence reference]"},{"topic":"3 — Base, taxes, capital amounts, fees, costs","researcher_record":{"Question/material subquestion":"3 — Base, taxes, capital amounts, fees, costs","Coverage":"Answered as regulatory rules; accounting partial","Findings, claims, sources, branches":"C043–C048; S001(i),S019; B021–B024","Missing evidence or authority":"Return-specific income/COGS and recognition authority.","Exact next permissible generic inquiry":"Read complete relevant public IRS instructions."},"raw_table_index":13,"coordinator_acceptance":"scoped_review_complete_selected_source_history_currentness_incorporation_actual_parent_holds_no_component_acceptance","coordinator_review":"[internal evidence reference]"},{"topic":"3 — Measurement periods and annualization","researcher_record":{"Question/material subquestion":"3 — Measurement periods and annualization","Coverage":"Answered as written; edge conventions partial","Findings, claims, sources, branches":"C042,C049–C051,C059; M004–M009; B026–B028","Missing evidence or authority":"Partial weeks, rounding, multiple-short-year issues.","Exact next permissible generic inquiry":"Locate a complete official generic interpretation of the unresolved convention."},"raw_table_index":13,"coordinator_acceptance":"scoped_review_complete_selected_source_history_currentness_incorporation_actual_parent_holds_no_component_acceptance","coordinator_review":"[internal evidence reference]"},{"topic":"3 — Affiliate aggregation and different periods","researcher_record":{"Question/material subquestion":"3 — Affiliate aggregation and different periods","Coverage":"Answered","Findings, claims, sources, branches":"C052–C055; M010–M012; B029–B031","Missing evidence or authority":"No relationships, periods, or events.","Exact next permissible generic inquiry":"Authenticate the precise clause and correction history; no financial entries."},"raw_table_index":13,"coordinator_acceptance":"scoped_review_complete_selected_source_history_currentness_incorporation_actual_parent_holds_no_component_acceptance","coordinator_review":"[internal evidence reference]"},{"topic":"3 — Medical exclusion and market apportionment","researcher_record":{"Question/material subquestion":"3 — Medical exclusion and market apportionment","Coverage":"Answered at rule level; classification partial","Findings, claims, sources, branches":"C056–C057; S001,S013; B024–B025","Missing evidence or authority":"Medical-provider/market attribution categories.","Exact next permissible generic inquiry":"Read narrow official interpretation, not actual accounts."},"raw_table_index":13,"coordinator_acceptance":"scoped_review_complete_selected_source_history_currentness_incorporation_actual_parent_holds_no_component_acceptance","coordinator_review":"[internal evidence reference]"},{"topic":"3 — Populated calculation or ranking","researcher_record":{"Question/material subquestion":"3 — Populated calculation or ranking","Coverage":"Excluded","Findings, claims, sources, branches":"C048,C059; measurement register","Missing evidence or authority":"User prohibits invented/actual financial inputs.","Exact next permissible generic inquiry":"No model follows from this pass."},"raw_table_index":13,"coordinator_acceptance":"scoped_review_complete_selected_source_history_currentness_incorporation_actual_parent_holds_no_component_acceptance","coordinator_review":"[internal evidence reference]"},{"topic":"4 — Larger-participant definition and duration","researcher_record":{"Question/material subquestion":"4 — Larger-participant definition and duration","Coverage":"Answered","Findings, claims, sources, branches":"C060–C061; S001 §§.101–.102; B033","Missing evidence or authority":"Last qualifying tax year absent.","Exact next permissible generic inquiry":"Read any later adopted change to the duration rule."},"raw_table_index":13,"coordinator_acceptance":"scoped_review_complete_selected_source_history_currentness_incorporation_actual_parent_holds_no_component_acceptance","coordinator_review":"[internal evidence reference]"},{"topic":"4 — Measurement date and continuing interval","researcher_record":{"Question/material subquestion":"4 — Measurement date and continuing interval","Coverage":"Answered as written; actual date excluded","Findings, claims, sources, branches":"C049–C061; M007–M013","Missing evidence or authority":"No universal snapshot or application chronology.","Exact next permissible generic inquiry":"Resolve only generic timing conventions; do not compute a date."},"raw_table_index":13,"coordinator_acceptance":"scoped_review_complete_selected_source_history_currentness_incorporation_actual_parent_holds_no_component_acceptance","coordinator_review":"[internal evidence reference]"},{"topic":"4 — Status versus examination, registration, legitimacy","researcher_record":{"Question/material subquestion":"4 — Status versus examination, registration, legitimacy","Coverage":"Answered distinction; actual status excluded","Findings, claims, sources, branches":"C072–C077,C092–C093; B046","Missing evidence or authority":"No actual supervisory or registration evidence.","Exact next permissible generic inquiry":"Read public implementing authority only."},"raw_table_index":13,"coordinator_acceptance":"scoped_review_complete_selected_source_history_currentness_incorporation_actual_parent_holds_no_component_acceptance","coordinator_review":"[internal evidence reference]"},{"topic":"5 — Challenge actor, trigger, response and affidavit","researcher_record":{"Question/material subquestion":"5 — Challenge actor, trigger, response and affidavit","Coverage":"Answered","Findings, claims, sources, branches":"C062–C064; S001 §.103(a); B034–B035","Missing evidence or authority":"No communication, receipt, response, or delegate facts.","Exact next permissible generic inquiry":"Re-read the complete procedure without preparing a submission."},"raw_table_index":13,"coordinator_acceptance":"scoped_review_complete_selected_source_history_currentness_incorporation_actual_parent_holds_no_component_acceptance","coordinator_review":"[internal evidence reference]"},{"topic":"5 — Evidence, waiver, nonresponse, outcome","researcher_record":{"Question/material subquestion":"5 — Evidence, waiver, nonresponse, outcome","Coverage":"Answered as text; judicial reach partial","Findings, claims, sources, branches":"C065–C067,C071; S001,S012; B035–B040","Missing evidence or authority":"No formal stated proof standard; later judicial treatment held.","Exact next permissible generic inquiry":"Read later generic adopted procedural clarification if any."},"raw_table_index":13,"coordinator_acceptance":"scoped_review_complete_selected_source_history_currentness_incorporation_actual_parent_holds_no_component_acceptance","coordinator_review":"[internal evidence reference]"},{"topic":"5 — Information demand and time modification","researcher_record":{"Question/material subquestion":"5 — Information demand and time modification","Coverage":"Answered","Findings, claims, sources, branches":"C068–C070; S001(d)–(e); B038–B039","Missing evidence or authority":"Request-specific period and counting authority.","Exact next permissible generic inquiry":"Find an expressly applicable generic computation provision before asserting a deadline."},"raw_table_index":13,"coordinator_acceptance":"scoped_review_complete_selected_source_history_currentness_incorporation_actual_parent_holds_no_component_acceptance","coordinator_review":"[internal evidence reference]"},{"topic":"5 — Confidentiality and publication boundary","researcher_record":{"Question/material subquestion":"5 — Confidentiality and publication boundary","Coverage":"Partial, bounded inquiry completed","Findings, claims, sources, branches":"C083–C091; S004,S020–S021; B041–B042","Missing evidence or authority":"Full disclosure exceptions, FOIA/privacy/privilege regimes.","Exact next permissible generic inquiry":"Read only the indispensable complete exception if separately scoped."},"raw_table_index":13,"coordinator_acceptance":"scoped_review_complete_selected_source_history_currentness_incorporation_actual_parent_holds_no_component_acceptance","coordinator_review":"[internal evidence reference]"},{"topic":"5 — Formal appeal, stay, hearing, fixed decision period","researcher_record":{"Question/material subquestion":"5 — Formal appeal, stay, hearing, fixed decision period","Coverage":"Unresolved beyond selected text","Findings, claims, sources, branches":"C070–C071; S001,S012","Missing evidence or authority":"No such route established in §.103.","Exact next permissible generic inquiry":"Identify separate public procedural authority without case searches."},"raw_table_index":13,"coordinator_acceptance":"scoped_review_complete_selected_source_history_currentness_incorporation_actual_parent_holds_no_component_acceptance","coordinator_review":"[internal evidence reference]"},{"topic":"6 — Original statute and material statutory amendment","researcher_record":{"Question/material subquestion":"6 — Original statute and material statutory amendment","Coverage":"Answered for selected clauses","Findings, claims, sources, branches":"C011–C012; S009–S011","Missing evidence or authority":"Complete later-law history not claimed.","Exact next permissible generic inquiry":"Check later enacted amendments to the precise clauses."},"raw_table_index":13,"coordinator_acceptance":"scoped_review_complete_selected_source_history_currentness_incorporation_actual_parent_holds_no_component_acceptance","coordinator_review":"[internal evidence reference]"},{"topic":"6 — Original general and debt rules","researcher_record":{"Question/material subquestion":"6 — Original general and debt rules","Coverage":"Answered","Findings, claims, sources, branches":"C004–C005; S012–S013","Missing evidence or authority":"Whole preambles and empirical foundations not adopted.","Exact next permissible generic inquiry":"No expansion necessary for the stated adopted rules."},"raw_table_index":13,"coordinator_acceptance":"scoped_review_complete_selected_source_history_currentness_incorporation_actual_parent_holds_no_component_acceptance","coordinator_review":"[internal evidence reference]"},{"topic":"6 — Correction and cross-reference chain","researcher_record":{"Question/material subquestion":"6 — Correction and cross-reference chain","Coverage":"Partial","Findings, claims, sources, branches":"C006,C010,C090; S014,S020–S021; B002,B042","Missing evidence or authority":"Unavailable correction original; unexplained current reference difference.","Exact next permissible generic inquiry":"Authenticate official correcting text and any intervening amendment."},"raw_table_index":13,"coordinator_acceptance":"scoped_review_complete_selected_source_history_currentness_incorporation_actual_parent_holds_no_component_acceptance","coordinator_review":"[internal evidence reference]"},{"topic":"6 — 2015 and2024 amendments","researcher_record":{"Question/material subquestion":"6 — 2015 and2024 amendments","Coverage":"Answered","Findings, claims, sources, branches":"C007–C008; S015–S016","Missing evidence or authority":"No actual implementation evidence.","Exact next permissible generic inquiry":"Check later amendments only to selected clauses."},"raw_table_index":13,"coordinator_acceptance":"scoped_review_complete_selected_source_history_currentness_incorporation_actual_parent_holds_no_component_acceptance","coordinator_review":"[internal evidence reference]"},{"topic":"6 — Later reconsideration/proposal and agenda","researcher_record":{"Question/material subquestion":"6 — Later reconsideration/proposal and agenda","Coverage":"Answered as status; complete later chain partial","Findings, claims, sources, branches":"C009,C096; S017–S018","Missing evidence or authority":"Agenda is not publication; no exhaustive post-cutoff certification.","Exact next permissible generic inquiry":"Open any actual later NPRM/final rule before assigning legal effect."},"raw_table_index":13,"coordinator_acceptance":"scoped_review_complete_selected_source_history_currentness_incorporation_actual_parent_holds_no_component_acceptance","coordinator_review":"[internal evidence reference]"},{"topic":"6 — Sunset/repeal/stay","researcher_record":{"Question/material subquestion":"6 — Sunset/repeal/stay","Coverage":"Partial","Findings, claims, sources, branches":"C009,C096; S001,S017–S018","Missing evidence or authority":"No automatic sunset in selected text; full judicial/status review held.","Exact next permissible generic inquiry":"Examine a specific official later instrument if it exists in accessible public sources."},"raw_table_index":13,"coordinator_acceptance":"scoped_review_complete_selected_source_history_currentness_incorporation_actual_parent_holds_no_component_acceptance","coordinator_review":"[internal evidence reference]"},{"topic":"7 — Supervision/reporting/risk-based limits","researcher_record":{"Question/material subquestion":"7 — Supervision/reporting/risk-based limits","Coverage":"Answered","Findings, claims, sources, branches":"C072–C076; S002(b); B045","Missing evidence or authority":"No actual examination or compliance result.","Exact next permissible generic inquiry":"Separate any additional generic statutory route."},"raw_table_index":13,"coordinator_acceptance":"scoped_review_complete_selected_source_history_currentness_incorporation_actual_parent_holds_no_component_acceptance","coordinator_review":"[internal evidence reference]"},{"topic":"7 — Other authority, exclusivity and service providers","researcher_record":{"Question/material subquestion":"7 — Other authority, exclusivity and service providers","Coverage":"Partial","Findings, claims, sources, branches":"C078–C082; S002,S007–S008","Missing evidence or authority":"Full §5581/bank-service/enumerated-law incorporations.","Exact next permissible generic inquiry":"Complete the indispensable clause before expanding an authority claim."},"raw_table_index":13,"coordinator_acceptance":"scoped_review_complete_selected_source_history_currentness_incorporation_actual_parent_holds_no_component_acceptance","coordinator_review":"[internal evidence reference]"},{"topic":"7 — Licensing, prohibited conduct, private remedy, penalties","researcher_record":{"Question/material subquestion":"7 — Licensing, prohibited conduct, private remedy, penalties","Coverage":"Excluded beyond necessary distinction","Findings, claims, sources, branches":"C077,C092–C095; B046–B047","Missing evidence or authority":"Separate substantive law and all facts.","Exact next permissible generic inquiry":"Identify an exact separately scoped public provision; no amount or remedy inferred."},"raw_table_index":13,"coordinator_acceptance":"scoped_review_complete_selected_source_history_currentness_incorporation_actual_parent_holds_no_component_acceptance","coordinator_review":"[internal evidence reference]"},{"topic":"8 — All requested comparisons","researcher_record":{"Question/material subquestion":"8 — All requested comparisons","Coverage":"Answered within bounds","Findings, claims, sources, branches":"Comparison table; C013–C095","Missing evidence or authority":"Actual provider/profile evidence excluded.","Exact next permissible generic inquiry":"Separate any future generic methodology question from identifying research."},"raw_table_index":13,"coordinator_acceptance":"scoped_review_complete_selected_source_history_currentness_incorporation_actual_parent_holds_no_component_acceptance","coordinator_review":"[internal evidence reference]"},{"topic":"8 — Other jurisdictions and remaining A091 work","researcher_record":{"Question/material subquestion":"8 — Other jurisdictions and remaining A091 work","Coverage":"Excluded with reason","Findings, claims, sources, branches":"C095; B048","Missing evidence or authority":"Outside authorized federal criterion.","Exact next permissible generic inquiry":"No named-company or jurisdiction-specific investigation in this pass."},"raw_table_index":13,"coordinator_acceptance":"scoped_review_complete_selected_source_history_currentness_incorporation_actual_parent_holds_no_component_acceptance","coordinator_review":"[internal evidence reference]"},{"topic":"9 — Complete relied-on quantities and dates","researcher_record":{"Question/material subquestion":"9 — Complete relied-on quantities and dates","Coverage":"Answered","Findings, claims, sources, branches":"M001–M038","Missing evidence or authority":"Actual values/calendars absent; specified conventions unresolved.","Exact next permissible generic inquiry":"Resolve only missing public conventions, without supplying inputs."},"raw_table_index":13,"coordinator_acceptance":"scoped_review_complete_selected_source_history_currentness_incorporation_actual_parent_holds_no_component_acceptance","coordinator_review":"[internal evidence reference]"},{"topic":"9 — Numerical illustration/model","researcher_record":{"Question/material subquestion":"9 — Numerical illustration/model","Coverage":"Excluded as unnecessary","Findings, claims, sources, branches":"C048,C059; M007–M009","Missing evidence or authority":"Tax accounting and actual inputs not established.","Exact next permissible generic inquiry":"Preserve qualitative branches."},"raw_table_index":13,"coordinator_acceptance":"scoped_review_complete_selected_source_history_currentness_incorporation_actual_parent_holds_no_component_acceptance","coordinator_review":"[internal evidence reference]"},{"topic":"10 — At least24 substantive branches","researcher_record":{"Question/material subquestion":"10 — At least24 substantive branches","Coverage":"Answered","Findings, claims, sources, branches":"B001–B048","Missing evidence or authority":"Each row states its specific gap.","Exact next permissible generic inquiry":"Follow only its generic public-law inquiry, if separately needed."},"raw_table_index":13,"coordinator_acceptance":"scoped_review_complete_selected_source_history_currentness_incorporation_actual_parent_holds_no_component_acceptance","coordinator_review":"[internal evidence reference]"},{"topic":"10 — Wholly blank worksheet","researcher_record":{"Question/material subquestion":"10 — Wholly blank worksheet","Coverage":"Answered","Findings, claims, sources, branches":"Section6","Missing evidence or authority":"No fields populated.","Exact next permissible generic inquiry":"No intake, certification, profile, or operational use is established."},"raw_table_index":13,"coordinator_acceptance":"scoped_review_complete_selected_source_history_currentness_incorporation_actual_parent_holds_no_component_acceptance","coordinator_review":"[internal evidence reference]"}],"annotations":{},"corrections":[],"resolved_corrections":[],"review_history":[{"id":"R091-P01-supervision-criterion-correction-history-accounting-incorporation-actual-parent-holds-20261028","status":"reviewed_with_selected_source_and_application_holds","at":"2026-10-28T10:21:41.986441+00:00"}]}