{"meta":{"key":"s_al--pass-04","task":"S_AL","title":"Bounded correction to creditor-side","parent_title":"Alabama debt and debt relief law","edition":"pass-04","path":"/research/s_al--pass-04/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-25","tables":7,"claims":17,"sources":16,"review_status":"revise","review_complete":true,"sha256":"69bffd23b3fe06bd59a0ec2a38e8ba7e1292dd6794b283cee0a7403d66ec1d26","headings":["Bounded correction to creditor-side PASS-03","Correction result","Access codes","Exact PASS-03 self-check replacement","Actually read in PASS-04","Screenshot status","Supplied or reused, not newly researched","Not read or not resolved","Process and status discipline"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-5.6 Sol","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_AL/pass-04","facets":{"geography":["us","us-al"],"debt_type":[],"stage":[],"subject":[]},"scope":"Only P3source-currentness qualification, exact page labels, all example/coverage claim mappings and direct current rule PDF locators","pending_corrections":0},"markdown":"# SettleADebt.com — S_AL PASS-04\n\n## Bounded correction to creditor-side PASS-03\n\n**Scope:** Evidence-chain, pagination, source-currentness, and reference-integrity corrections only. PASS-01, PASS-02, and the substantive PASS-03 findings remain preserved except for the exact replacement cells below.\n\n**Actual access date:** October 24, 2026, Pacific.\n\n## Correction result\n\n1. **The official Alabama Code section URLs for §§40-12-80, 40-12-2, 5-19-1, and 5-19-22 did not yield readable operative section text.** Each opened as a navigation shell. Search-engine-indexed excerpts were discovery only and cannot support the PASS-03 labels “current official search-rendered text.” The exact current official codification and amendment chains therefore remain held. [Alabama Legislature+3](https://alison.legislature.state.al.us/code-of-alabama?section=40-12-2)\n2. The **October 2022 ALDOR handbook** was actually read and remains currently linked by ALDOR, but it is dated agency guidance—not verified 2026 official codification. Its correct page labels are:Methodology: **printed page 2 / one-based PDF page 4 / zero-index page 3**.Collection agencies: **printed page 41 / one-based PDF page 43 / zero-index page 42**. [Alabama Department of Revenue+1](https://www.revenue.alabama.gov/wp-content/uploads/2022/03/201008_HandbookPrivStoreLicences_revOct20.pdf)\n3. The Banking Department’s **current regulations page directly links the actual Rule .01, .07, and .08 PDFs**. Rule .08 itself states **effective September 1, 2026**. The separate July 13 administrative-code metadata entry, the still-live legacy mail page, and the exact NMLS checklist package remain unresolved. [Alabama State Banking Department+4](https://banking.alabama.gov/bol/bol-regulations/)\n4. The *Glover/Booze* footnote and *Henson* pagination have been corrected precisely.\n5. All **seven PASS-03 examples** and all **37 coverage rows** have been re-audited and remapped below.\n6. **No numerical result changes.** The $151 and $38.50 calculations and the other PASS-03 arithmetic remain arithmetically correct. Their legal-currentness support is now properly qualified.\n\nNo collection-side finding authorizes a debtor-side settlement provider or resolves an earlier PASS-01 or PASS-02 hold.\n\n# A. P4 source register\n\n### Access codes\n\n- **R** — actual passage read.\n- **D** — discovery/navigation evidence only.\n- **F** — route attempted, but required operative text was unavailable.\n- **S** — screenshot inspected in addition to extracted text.\n\n| Source ID | Title, issuer, and direct literal URL | Exact passage, version, effectivity, and page labels | Actual access status, jurisdiction, and limits |\n| --- | --- | --- | --- |\n| **S_AL-P4-S001** | Alabama Legislature Code viewer routes: https://alison.legislature.state.al.us/code-of-alabama?section=40-12-80&title=40  https://alison.legislature.state.al.us/code-of-alabama?section=40-12-2  https://alison.legislature.state.al.us/code-of-alabama?section=5-19-1  https://alison.legislature.state.al.us/code-of-alabama?section=5-19-22 | Each requested section URL opened to a 58-line navigation shell. No complete section text, amendment history, version stamp, or codification currency was readable. | **F for operative text; D only.** Official Alabama host, accessed Oct. 24, 2026. Search-indexed excerpts were not elevated to operative text. Act 2001-454, Act 96-576, and the complete amendment chains remain held. [Alabama Legislature+3](https://alison.legislature.state.al.us/code-of-alabama?section=40-12-2) |\n| **S_AL-P4-S002** | ALDOR, *Handbook of Privilege and Store Licenses*: https://www.revenue.alabama.gov/wp-content/uploads/2022/03/201008_HandbookPrivStoreLicences_revOct20.pdf | Dated **October 2022**. Methodology: printed p. 2 / one-based PDF p. 4 / zero-index 3. Collection Agencies: printed p. 41 / one-based PDF p. 43 / zero-index 42. Collection page reproduces §40-12-80 wording, $151/$38.50 totals, per-place rule, remote/no-agent interpretation, Alabama-agent examples, and repossession distinction. | **R/S.** Official agency guidance currently linked by ALDOR. It identifies some following material as “Interpretations.” It is not verified current official statutory codification, an adopted rule, or a controlling judgment. Collection-page screenshot repeatedly returned a cache miss, but the PDF text and pagination were read. [Alabama Department of Revenue+3](https://www.revenue.alabama.gov/wp-content/uploads/2022/03/201008_HandbookPrivStoreLicences_revOct20.pdf) |\n| **S_AL-P4-S003** | ALDOR, “Business Privilege License”: https://www.revenue.alabama.gov/business-license/business-privilege-tax/ | Lines 139–142: Title 40, Chapter 12 privilege-license description; state/county licenses issued by county probate judge or license commissioner; generally required in each county unless otherwise provided; ALDOR does not administer municipal licenses; current handbook link. | **R.** Official current operational page, accessed Oct. 24, 2026. It supports procedure, not the complete text or currentness of any specific Code section. [Alabama Department of Revenue](https://www.revenue.alabama.gov/business-license/business-privilege-tax/) |\n| **S_AL-P4-S004** | Alabama State Banking Department, “BOL Regulations”: https://banking.alabama.gov/bol/bol-regulations/ | Identifies the page as “Current Regulations”; links Rule .08 with “Effective: September 1, 2026,” Rule .01 with “Amended: January 1, 2020,” and Rule .07 with “Amended: August 1, 2002.” | **R.** Official agency current-regulations index. Direct PDFs were separately opened and read as S005–S007. [Alabama State Banking Department](https://banking.alabama.gov/bol/bol-regulations/) |\n| **S_AL-P4-S005** | Rule 155-2-2-.01, *Licensing — Alabama Consumer Credit Act*: https://banking.alabama.gov/wp-content/uploads/2023/06/155_2_2_.01_Licensing.pdf | One-page rule. ¶(1): license for each proposed location before making consumer loans or taking assignments of consumer-credit contracts unless exempt. ¶(3): enumerated institutional exemptions do not extend to consumer-finance subsidiaries. ¶¶(4)–(6): application, minimum $25,000 tangible net worth/capital, and fees. History: effective Oct. 1, 1997; amended Jan. 1, 2020. | **R/S.** Official current-rule PDF linked by S004. The rule does not establish that its older enumerated institutional list is identical to every exception in a later statutory version. [Alabama State Banking Department+3](https://banking.alabama.gov/wp-content/uploads/2023/06/155_2_2_.01_Licensing.pdf) |\n| **S_AL-P4-S006** | Rule 155-2-2-.07, *Restricted Activities — Alabama Consumer Credit Act*: https://banking.alabama.gov/wp-content/uploads/2023/06/155_2_2_07.pdf | One-page rule. Opening clause applies collection procedures and practices **“by a licensee.”** Lists six unreasonable tactics. History: amended Aug. 1, 2002. | **R/S.** Official current-rule PDF. It regulates collection practices of an ACCA licensee; it is not a general collection-agency licensing provision. [Alabama State Banking Department+1](https://banking.alabama.gov/wp-content/uploads/2023/06/155_2_2_07.pdf) |\n| **S_AL-P4-S007** | Rule 155-2-1-.08, *Original Application Forms, Renewal Forms, Amendments, and Annual Reports*: https://banking.alabama.gov/wp-content/uploads/2026/07/155-2-1-.08-Original-Application-Forms-Renewal-Forms-Amendments-and-Annual-Reports.pdf | ¶(1): all Bureau of Loans original applications, renewals, amendments, and annual reports must be submitted through NMLS. History line: **Effective September 1, 2026.** | **R/S.** Official current-rule PDF linked by S004. The separate July 13 metadata entry remains unexplained. [Alabama State Banking Department+1](https://banking.alabama.gov/wp-content/uploads/2026/07/155-2-1-.08-Original-Application-Forms-Renewal-Forms-Amendments-and-Annual-Reports.pdf) |\n| **S_AL-P4-S008** | Alabama State Banking Department, “BOL Forms and Applications”: https://banking.alabama.gov/bol/bol-forms-and-apps/ | Lines 3–5: NMLS use for all license types beginning Sept. 1 and “Non-Mortgage Consumer Credit Act Original License Application” terminology. Lines 24–30: Sept. 1–Dec. 31, 2026 transition period; transitioned expiration to Dec. 31, 2027; existing non-mortgage Consumer Credit licensees move to the new license type. | **R.** Official current operational instructions. Does not itself establish the full statutory coverage of the new license type. [Alabama State Banking Department+2](https://banking.alabama.gov/bol/bol-forms-and-apps/) |\n| **S_AL-P4-S009** | Legacy “ACCA Original License Application Package”: https://banking.alabama.gov/bol/bol-forms-and-apps/bol_acca_apps/acca-original/ | Line 11 says all original applications must be printed and mailed, one per Alabama office. | **R, but current applicability unresolved.** The page remains online and conflicts with current Rule .08 and S008. It is not treated as the governing 2026 procedure. [Alabama State Banking Department](https://banking.alabama.gov/bol/bol-forms-and-apps/bol_acca_apps/acca-original/) |\n| **S_AL-P4-S010** | Justia 2025 reproductions: https://law.justia.com/codes/alabama/title-5/chapter-19/section-5-19-1/  https://law.justia.com/codes/alabama/title-5/chapter-19/section-5-19-22/ | §5-19-1: “consumer” and “creditor,” lines 67–69. §5-19-22: activities, institutional and seller exceptions, and location provisions, lines 60–72. Both are expressly labeled **2025**. | **R, secondary mirror only.** Justia expressly warns that the Code may not be the most recent version. No 2026 official-currentness promotion. Act 96-576 and later amendment chain remain held. [Justia Law+3](https://law.justia.com/codes/alabama/title-5/chapter-19/section-5-19-1/) |\n| **S_AL-P4-S011** | *Glover/Booze v. Ocwen Loan Servicing, LLC*, Eleventh Circuit: https://media.ca11.uscourts.gov/opinions/pub/files/202312578.pdf | Servicing-after-default facts: printed opinion p. 4 / one-based PDF p. 4 / zero-index 3. Footnote 5: printed opinion p. 8 / one-based PDF p. 8 / zero-index 7. The footnote explains “any debts” by citing *Davidson*. | **R/S.** Official published Eleventh Circuit opinion filed Feb. 4, 2025. No new docket or subsequent-history project undertaken. [11th Circuit Court+3](https://media.ca11.uscourts.gov/opinions/pub/files/202312578.pdf) |\n| **S_AL-P4-S012** | *Henson v. Santander Consumer USA Inc.*, U.S. Supreme Court: https://www.supremecourt.gov/opinions/16pdf/16-349_c07d.pdf | Opinion begins at **slip p. 1 / one-based PDF p. 3 / zero-index 2**. Own-account purchaser discussion is at slip p. 2 / PDF p. 4 / zero-index 3. Principal-purpose and third-party theories expressly left open at slip p. 3 / PDF p. 5 / zero-index 4. | **R/S.** Official Supreme Court slip opinion dated June 12, 2017. “Slip pages” must not be confused with whole-file PDF pages because two syllabus pages precede the opinion. [Supreme Court+4](https://www.supremecourt.gov/opinions/16pdf/16-349_c07d.pdf) |\n| **S_AL-P4-S013** | Alabama Administrative Code Rule .08 route: https://admincode.legislature.state.al.us/administrative-code/155-2-1-.08 | Rendered page returned a JavaScript-only shell. Indexed official-page content states history “effective September 1, 2026,” but separately displays “Certified New Rule … Effective Jul 13, 2026.” | **F for rendered operative page; D for indexed metadata.** The discrepancy was not resolved. The direct agency PDF and current-regulations page establish what they themselves state, but do not explain the July 13 entry. [Alabama Administrative Code+1](https://admincode.legislature.state.al.us/administrative-code/155-2-1-.08) |\n| **S_AL-P4-S014** | Alabama Secretary of State: https://www.sos.alabama.gov/business-entities/foreign-corporations  https://www.sos.alabama.gov/government-records/business-entity-records | Foreign-corporation page says a certificate of authority is required before “transacting business” and gives filing procedure. Records page provides public entity-record access. | **R.** Official procedural evidence. It is not collection authority and does not resolve whether a particular remote collector is “transacting business.” [Alabama Secretary of State+1](https://www.sos.alabama.gov/business-entities/foreign-corporations) |\n| **S_AL-P4-S015** | Alabama State Bar: https://www.alabar.org/members/attorney-licensing/  https://members.alabar.org/Member_Portal/Member_Portal/Member-Search.aspx | Licensing page: occupational license required for private practice; special membership is for a lawyer not actively practicing privately. Search interface lists name, firm, city/county and other fields; displayed discipline begins Jan. 2018; practice areas are self-reported and unverified. | **R.** Official procedure and lookup. No attorney or law firm searched. [Alabama State Bar+1](https://www.alabar.org/members/attorney-licensing/) |\n| **S_AL-P4-S016** | Alabama State Banking Department lookups: https://banking.alabama.gov/verify-service-providers/  https://apps.banking.alabama.gov/LicenseesBOL.aspx | NMLS Consumer Access is presented as a free authorization-verification service. The BOL search accepts license type, number, company, and city. | **R.** Official lookup procedures. No named company or guessed entity searched. [Alabama State Banking Department+1](https://banking.alabama.gov/verify-service-providers/) |\n\n# B. P4 corrective claim register\n\n| Claim ID | Precise corrective assertion | Sources and exact pinpoints | Conditions, limits, and confidence |\n| --- | --- | --- | --- |\n| **S_AL-P4-C001** | PASS-03 did not verify complete current official text for §§40-12-80, 40-12-2, 5-19-1, or 5-19-22. The official URLs returned navigation shells; indexed excerpts were discovery only. | S001, all four routes. | **High access finding.** No inference about the missing text’s contents or amendment status. |\n| **S_AL-P4-C002** | ALDOR currently links an October 2022 handbook that reproduces §40-12-80 wording and operational interpretations. It is dated guidance, not verified 2026 codification. | S002, methodology printed 2/PDF 4/zero 3; collection printed 41/PDF 43/zero 42; S003 lines 139–142. | **High document-status finding.** Do not elevate the “Interpretations” to a formal rule or court holding. |\n| **S_AL-P4-C003** | The $151 and $38.50 totals, 50% county component, $1 fee, per-place treatment, and quoted §40-12-80 trigger are supported as October 2022 ALDOR handbook content; their status as complete current statutory text remains held. | S002 collection page and methodology. | Arithmetic remains correct. Act 2001-454 and the full §40-12-2/§40-12-80 amendment chain remain unverified. |\n| **S_AL-P4-C004** | Current Rule 155-2-2-.01 requires a license for each proposed location before making consumer loans or taking assignments of consumer-credit contracts unless exempt, requires an application, and requires at least $25,000 tangible net worth/capital. | S005 ¶¶(1), (4)–(6). | **High current-rule evidence.** Does not establish every current statutory location or entity exception. |\n| **S_AL-P4-C005** | Rule 155-2-2-.07 regulates collection procedures and practices “by a licensee”; it is not a general collection-agency licensing rule. | S006 opening clause and history. | **High.** Detailed conduct remains outside this correction pass. |\n| **S_AL-P4-C006** | Current Rule 155-2-1-.08 requires all Bureau of Loans applications, renewals, amendments, and annual reports to be submitted through NMLS and states an effective date of September 1, 2026. | S004 lines 31–38; S007 ¶(1) and history. | **High for what the direct rule and agency index state.** |\n| **S_AL-P4-C007** | The current forms page implements a Sept. 1–Dec. 31, 2026 NMLS transition and new Non-Mortgage Consumer Credit terminology. A legacy mail page remains online. The July 13 metadata entry and exact NMLS checklist package are unresolved. | S008 lines 3–5, 24–30; S009 line 11; S013 indexed metadata. | No conclusion that the conflicting material has been formally withdrawn or superseded in every context. |\n| **S_AL-P4-C008** | ALDOR directs businesses to county probate judges or license commissioners for state/county privilege licenses and separately directs municipal-license checks. No centralized statewide §40-12-80 authorization registry was established in this pass. | S003 lines 139–142; S002 methodology. | **High procedure / bounded lookup result.** Individual county and city records remain later checks. |\n| **S_AL-P4-C009** | Alabama Secretary of State foreign qualification and entity records are separate corporate procedures, not collection authority. Whether particular remote conduct constitutes “transacting business” remains unresolved. | S014. | **High procedural distinction; held application.** |\n| **S_AL-P4-C010** | Alabama Bar occupational status and the public member search are the appropriate procedural starting points for attorney authority, subject to the search page’s discipline-history and self-reported-practice limitations. | S015. | No named attorney or firm was searched or cleared. |\n| **S_AL-P4-C011** | NMLS Consumer Access and the Banking Department BOL search provide public financial-license verification procedures; they do not replace county §40-12-80 records or establish a named entity’s status without an actual search. | S016; S003. | No named-entity search conducted. |\n| **S_AL-P4-C012** | Correct ALDOR handbook page labels are: methodology printed 2/PDF 4/zero 3; collection agencies printed 41/PDF 43/zero 42. | S002. | Replaces ambiguous PASS-03 “p. 3” and “p. 42” labels. |\n| **S_AL-P4-C013** | *Glover/Booze* servicing-after-default facts are at printed/PDF p. 4, zero 3. Footnote 5 is at printed/PDF p. 8, zero 7—not “p. 7 n.5.” | S011. | Substantive holding unchanged; no expanded history check. |\n| **S_AL-P4-C014** | *Henson* citations must distinguish slip pagination from PDF pagination: relevant material at slip pp. 2–3 corresponds to one-based PDF pp. 4–5 and zero-index pp. 3–4. | S012. | Substantive holding unchanged. |\n| **S_AL-P4-C015** | Rule .01 independently supports per-location licensing and the $25,000 requirement, but broader remote-location and record-location provisions in PASS-03 came from a 2025 secondary mirror and remain currentness-qualified. | S005 ¶¶(1), (5); S010 §5-19-22(a). | Act 96-576 and full current statutory chain remain held. |\n| **S_AL-P4-C016** | Rule .01(3) specifically lists state or federal banks, trust companies, savings/building and loan associations, savings banks and other thrift institutions, credit unions, and life-insurance companies, and denies those exemptions to their consumer-finance subsidiaries. | S005 ¶(3). | Do not infer this older rule list is identical to every entity exception in the 2025 mirror or a current unread statute. |\n| **S_AL-P4-C017** | The handbook’s repossession interpretation says repossession-only agents are outside §40-12-80, but soliciting collection claims while repossessing can bring the employer within the section. | S002, collection page, final interpretation bullets. | October 2022 agency interpretation only; not verified statutory text or controlling case law. |\n\n# C. Exact PASS-03 source-cell replacements\n\nThe original PASS-03 source IDs remain unchanged. Only the identified cells are replaced.\n\n| PASS-03 source ID | Cell affected | Exact replacement cell |\n| --- | --- | --- |\n| **S_AL-P3-S001** | “Pinpoint actually read; version and legal status” and “Access, jurisdiction, and limitations” | **Replacement:** “The official §40-12-80 URL was opened on October 24, 2026 Pacific and returned a navigation shell without readable section text. Search-indexed excerpts were discovery only. The wording, totals, and interpretations were actually read in ALDOR’s October 2022 handbook at printed p. 41 / one-based PDF p. 43 / zero-index 42. Status: F for complete official codification; R for dated ALDOR guidance. Current official text, Act 2001-454 effective clause, and amendment chain remain held.” **Dependency:** S_AL-P4-S001–S003; C001–C003, C012. |\n| **S_AL-P3-S002** | Same cells | **Replacement:** “The official §40-12-2 URL returned a navigation shell without readable section text. Search-indexed excerpts were discovery only. The October 2022 handbook states at its methodology page—printed p. 2 / PDF p. 4 / zero 3—that displayed totals combine state and county portions, and its collection page states that the county levy is 50% of the state levy. Status: F for complete official codification; R for dated agency guidance. Complete current §40-12-2 text and amendment chain remain held.” **Dependency:** S_AL-P4-S001–S003; C001–C003, C012. |\n| **S_AL-P3-S004** | Pinpoint/page labels and limitations | **Replacement:** “October 2022 ALDOR handbook. Methodology at printed p. 2 / one-based PDF p. 4 / zero-index 3. Collection Agencies at printed p. 41 / one-based PDF p. 43 / zero-index 42. Currently linked by ALDOR, but dated guidance rather than verified current official codification, adopted rule, or controlling judgment.” **Dependency:** S_AL-P4-S002–S003; C002–C003, C012, C017. |\n| **S_AL-P3-S005** | Version/currentness and access | **Replacement:** “The official §5-19-1 URL opened to a navigation shell; no complete official-current section was read. The definitions were actually read in the expressly labeled 2025 Justia reproduction at subsections (2)–(3), but that reproduction warns it may not be the most recent version. Status: F official complete text; R secondary 2025 mirror. Act 96-576 and subsequent amendment chain remain held.” **Dependency:** S_AL-P4-S001, S010; C001, C015. |\n| **S_AL-P3-S006** | Version/currentness and limitations | **Replacement:** “Entirely retain the source as a 2025 unofficial reproduction. Relevant text: §5-19-22(a)(1)–(3), institutional and seller exceptions, and location/records provisions. Do not describe it as official 2026 current text. Rule 155-2-2-.01 independently verifies narrower per-location, subsidiary, application, and $25,000 provisions; the rule’s older institutional list is not presumed identical to the mirror’s later list.” **Dependency:** S_AL-P4-S005, S010; C004, C015–C016. |\n| **S_AL-P3-S007** | Title/locator, pinpoints, and effectivity | **Replacement:** “Current Banking Department regulation locators: Rule .01 — https://banking.alabama.gov/wp-content/uploads/2023/06/155_2_2_.01_Licensing.pdf, ¶¶(1), (3)–(7), effective Oct. 1, 1997 and amended Jan. 1, 2020. Rule .07 — https://banking.alabama.gov/wp-content/uploads/2023/06/155_2_2_07.pdf, opening clause and items 1–6, amended Aug. 1, 2002. Rule .08 — https://banking.alabama.gov/wp-content/uploads/2026/07/155-2-1-.08-Original-Application-Forms-Renewal-Forms-Amendments-and-Annual-Reports.pdf, ¶¶(1)–(2), effective Sept. 1, 2026. All are directly linked from the agency’s Current Regulations page. The administrative-code July 13 metadata discrepancy remains held.” **Dependency:** S_AL-P4-S004–S007, S013. |\n| **S_AL-P3-S008** | Operational-procedure pinpoint and limits | **Replacement:** “The current forms page states that NMLS use began Sept. 1, identifies the Non-Mortgage Consumer Credit license, and gives a Sept. 1–Dec. 31, 2026 transition period. It supports current operational procedure only. The exact NMLS checklist package was not retrieved and no named licensee was searched.” **Dependency:** S_AL-P4-S008, S016; C007, C011. |\n| **S_AL-P3-S009** | Current-applicability limitation | **Replacement:** “The legacy ACCA page remains publicly accessible and says original applications must be printed and mailed. Because that instruction conflicts with current Rule .08 and the current transition page, it is retained as unresolved legacy/stale procedure and not treated as governing current intake.” **Dependency:** S_AL-P4-S007–S009; C006–C007. |\n| **S_AL-P3-S016** | Exact pinpoint | **Replacement:** “*Henson*, own-account purchaser and unanswered-theory discussion at **slip opinion pp. 2–3**, corresponding to one-based PDF pp. 4–5 and zero-index pp. 3–4. The opinion itself begins at slip p. 1 / PDF p. 3 / zero 2.” **Dependency:** S_AL-P4-S012; C014. |\n| **S_AL-P3-S018** | Exact pinpoint | **Replacement:** “*Glover/Booze*, servicing-after-default facts at printed opinion p. 4 / one-based PDF p. 4 / zero 3. Footnote 5 at printed opinion p. 8 / one-based PDF p. 8 / zero 7. Replace every ‘p. 7 n.5’ locator accordingly.” **Dependency:** S_AL-P4-S011; C013. |\n\n# D. Exact PASS-03 claim-cell replacements\n\nUnless expressly stated below, the substantive assertion is retained but its evidence/currentness cell is replaced.\n\n| PASS-03 claim ID | Exact replacement |\n| --- | --- |\n| **S_AL-P3-C001** | **Replacement assertion/currentness:** “ALDOR’s October 2022 handbook reproduces §40-12-80 as imposing combined state/county/issuance totals of $151 or $38.50 according to population tier. PASS-04 did not verify those amounts in readable current official codification.” **Sources:** P4-S002, printed 41/PDF 43/zero 42; P4-S001 failed official-text routes. |\n| **S_AL-P3-C002** | **Replacement assertion/currentness:** “The October 2022 handbook reproduces the deemed-agency trigger based on employing agents to solicit claims from persons, firms, or corporations in Alabama. Current official codification and amendment chain remain held.” **Sources:** P4-S002 collection page; P4-S001. |\n| **S_AL-P3-C003** | **Replacement assertion/currentness:** “The October 2022 handbook reproduces a final sentence excluding persons excluded from the federal FDCPA debt-collector definition. Its exact status in current official Alabama codification remains unverified.” **Sources:** P4-S002 collection page; P4-S001. |\n| **S_AL-P3-C004** | **Replace source/confidence cell:** “Supported procedurally by ALDOR’s current privilege-license page and October 2022 handbook. High as to agency characterization; current complete statutory text remains held.” **Sources:** P4-S002–S003. |\n| **S_AL-P3-C005** | **Replace source/confidence cell:** “The 50% county component, combined display convention, per-place procedure, and $1 component are supported by the October 2022 handbook and current ALDOR procedure page; complete current §40-12-2 text was not read.” **Sources:** P4-S002–S003. |\n| **S_AL-P3-C006** | **Replacement assertion/currentness:** “The handbook arithmetic is $150 combined state/county + $1 = $151, and $37.50 combined state/county + $1 = $38.50. Arithmetic verified; current official statutory amounts remain held.” **Sources:** P4-S002 printed 41/PDF 43/zero 42. |\n| **S_AL-P3-C007** | **Replace source/pinpoint:** “P4-S002, collection page, printed 41/PDF 43/zero 42, interpretation stating that an out-of-state agency soliciting by letter/phone only and having no Alabama agents does not need Section 80.” **Currentness:** October 2022 agency interpretation, not controlling adjudication or verified 2026 Code text. |\n| **S_AL-P3-C008** | **Replace source/pinpoint:** “P4-S002, collection page, printed 41/PDF 43/zero 42, interpretation listing an Alabama employee, retained Alabama attorney, Alabama agency, or anyone in Alabama acting for the out-of-state agency as potential agents.” **Currentness:** Same dated-guidance qualification. |\n| **S_AL-P3-C009** | **Replace confidence cell:** “Bounded to the actual October 2022 handbook and the official materials retrieved. Does not establish that no specialized statute, local law, or later amendment imposes security, agent, or registration requirements.” |\n| **S_AL-P3-C010** | **Replace confidence cell:** “Bounded official-source search result only. Because readable current official §§40-12-80 and 40-12-2 were not obtained, this is not a categorical absence-of-regulation conclusion.” |\n| **S_AL-P3-C011–C013** | **Add currentness qualification:** “The underlying state classification application relies on the October 2022 ALDOR reproduction and interpretation, not verified current official statutory text. The original-creditor, purchaser, and commercial-only boundaries remain unresolved exactly as stated.” |\n| **S_AL-P3-C014** | **Replacement source/currentness:** “Definitions were actually read in the expressly labeled 2025 Justia mirror, P4-S010, §5-19-1(2)–(3). The official §5-19-1 route returned a shell. No 2026 official-currentness certification.” |\n| **S_AL-P3-C015** | **Replacement source/currentness:** “Current Rule .01(1) independently verifies a per-proposed-location license before making consumer loans or taking assignments unless exempt. Broader resident, remote, employee, and record-location details remain dependent on the 2025 mirror and unverified current statutory chain.” **Sources:** P4-S005 ¶(1); P4-S010 §5-19-22(a). |\n| **S_AL-P3-C016** | **Replacement assertion:** “Current Rule .01(3) states that exemptions for the specifically enumerated banks, trust companies, savings/building and loan associations, savings banks and other thrift institutions, credit unions, and life-insurance companies do not extend to their consumer-finance subsidiaries.” **Limit:** Do not merge this rule list with every entity exception in the later 2025 mirror. |\n| **S_AL-P3-C017** | **Replacement source/currentness:** “The $25,000 tangible-net-worth/capital requirement is directly verified by current Rule .01(5). Other statutory security alternatives or exceptions remain currentness-qualified.” |\n| **S_AL-P3-C018** | **Replacement source/limit:** “Direct Rule .07 opening clause, P4-S006: collection procedures and practices ‘by a licensee’ must comply with applicable law. The rule is not a general collection-agency license.” |\n| **S_AL-P3-C019** | **Replacement assertion/source:** “Direct Rule .08 and the current regulations/forms pages support NMLS submission and a stated Sept. 1, 2026 effective/implementation date. The July 13 administrative-code metadata entry, legacy print/mail page, and exact NMLS checklist remain unresolved.” **Sources:** P4-S004, S007–S009, S013. |\n| **S_AL-P3-C022** | **Replacement currentness qualification:** “The comparison between *Farmer* and later statutory language relies on the 2025 §5-19-22 secondary mirror, not verified current official 2026 codification. The historical-versus-later wording observation remains qualified.” |\n| **S_AL-P3-C033** | **Replace source pinpoint:** “P4-S011, footnote 5 at printed opinion p. 8 / one-based PDF p. 8 / zero-index 7.” |\n| **S_AL-P3-C034** | **Replace source pinpoint:** “P4-S011: servicing rights acquired after default at printed/PDF p. 4 / zero 3; definition discussion and footnote 5 at printed/PDF p. 8 / zero 7. Substantive limitation unchanged.” |\n\n### Exact PASS-03 self-check replacement\n\nReplace the PASS-03 statement:\n\n“Actually read current official search-rendered Alabama §§40-12-80, 40-12-2, and 5-19-1.”\n\nwith:\n\n“Opened the official Alabama Legislature section URLs for §§40-12-80, 40-12-2, 5-19-1, and 5-19-22, but each yielded a navigation shell rather than readable section text. Search-engine-indexed excerpts were treated only as discovery. Actually read the current-linked October 2022 ALDOR handbook, the Banking Department’s direct current rule PDFs, and the expressly labeled 2025 secondary reproductions of §§5-19-1 and 5-19-22. No complete current official codification of those four sections was verified.”\n\n# E. Complete PASS-03 example-reference mapping\n\nFull identifiers are used below. No example’s arithmetic or substantive hold is changed.\n\n| PASS-03 example | Old PASS-03 claim list | Corrected exact claim list | Relevant source pinpoints | Unchanged legal hold |\n| --- | --- | --- | --- | --- |\n| **Example 1 — Consumer original creditor collecting in its own name** | C010; C014–C017; C028–C031 | **S_AL-P3-C011; S_AL-P3-C014–C017; S_AL-P3-C028–C031; S_AL-P4-C001; S_AL-P4-C003–C004; S_AL-P4-C015–C016** | P4-S001 official routes unavailable; P4-S005 Rule .01(1), (3), (5); P4-S010 §§5-19-1 and 5-19-22 mirrors. | Exact entity, origination role, exemption, license, employee identity, and name used remain unverified. C010 was unrelated bounded “no separate charter” research and is removed. |\n| **Example 2 — Third-party agency with Alabama office** | C001–C009; C024–C030 | **S_AL-P3-C001–C006; S_AL-P3-C009–C010; S_AL-P3-C024; S_AL-P3-C028–C030; S_AL-P4-C001–C003; S_AL-P4-C008–C009; S_AL-P4-C012** | P4-S002 printed 41/PDF 43/zero 42; P4-S003 county/municipal procedure; P4-S014 corporate procedure. | Numeric $151 result remains arithmetic only until current statute and actual place/license record are checked. |\n| **Example 3 — Remote agency using mail, phone, or online communications** | C004–C006; C035; C038 | **S_AL-P3-C007–C008; S_AL-P3-C028–C030; S_AL-P3-C038; S_AL-P4-C002; S_AL-P4-C008–C009; S_AL-P4-C012** | P4-S002 remote/no-agent and Alabama-agent interpretations, printed 41/PDF 43/zero 42; P4-S003; P4-S014. | Online-only activity, Alabama contractor/agent status, corporate nexus, and local law remain unresolved. Old C004–C006 were privilege-license nature/arithmetic; C035 was attorney-FDCPA coverage. |\n| **Example 4 — Purchased defaulted consumer account** | C012; C014–C17; C021–C24; C032–C033 | **S_AL-P3-C012; S_AL-P3-C014–C017; S_AL-P3-C021–C022; S_AL-P3-C024; S_AL-P3-C030–C033; S_AL-P4-C001; S_AL-P4-C003–C004; S_AL-P4-C014–C016** | P4-S005 Rule .01; P4-S010 mirrors; P4-S012 *Henson* slip pp. 2–3/PDF pp. 4–5. | §40-12-80 purchaser status, ACCA creditor/assignment status, principal purpose, and actual documents remain open. “C17” is corrected to **C017**; servicer-specific C023 is removed. |\n| **Example 5 — Servicing obtained before or after default** | C019; C023; C030; C034 | **S_AL-P3-C007–C008; S_AL-P3-C014–C017; S_AL-P3-C023–C024; S_AL-P3-C030; S_AL-P3-C034; S_AL-P4-C004; S_AL-P4-C013; S_AL-P4-C015–C016** | P4-S005 Rule .01; P4-S011 facts at printed/PDF p. 4/zero 3 and fn. 5 at printed/PDF p. 8/zero 7. | Servicing versus assignment, ownership, default date, payee, portfolio role, and Alabama place/agent remain unresolved. NMLS-procedure C019 was unrelated to substantive classification and is removed. |\n| **Example 6 — Attorney collecting for creditor** | C005; C025–C027; C035–C036 | **S_AL-P3-C008; S_AL-P3-C025–C027; S_AL-P3-C035–C036; S_AL-P4-C010** | P4-S002 Alabama-attorney-as-agent interpretation; P4-S015 attorney licensing/search. | Bar status, regularity, client identity, debt purpose, exact demand, foreclosure conduct, and county-license application remain open. C005 is replaced by the actual agent-nexus C008. |\n| **Example 7 — Commercial-only collection** | C013–C014; C024; C037 | **S_AL-P3-C013–C014; S_AL-P3-C024; S_AL-P3-C028; S_AL-P4-C001; S_AL-P4-C003** | P4-S001 unavailable current Code; P4-S002 reproduced firms/corporations wording; prior federal debt definition remains applicable. | Commercial-only §40-12-80 coverage remains held. Fiduciary-exclusion C037 was unrelated and is removed; consumer-debt definition C028 is added. |\n\n# F. Complete PASS-03 coverage-row reference mapping\n\n| # | PASS-03 coverage-row identifier | Old claim references | Corrected exact claim references | Relevant source pinpoints | Status and legal hold remain |\n| --- | --- | --- | --- | --- | --- |\n| 1 | Current §40-12-80 text and population amounts | C001–C003 | **S_AL-P3-C001–C003; S_AL-P4-C001–C003; S_AL-P4-C012** | P4-S001 shell routes; P4-S002 printed 41/PDF 43/zero 42. | **Unresolved current official text.** Handbook wording verified only as dated agency guidance. |\n| 2 | State/county per-place calculation | C004–C006 | **S_AL-P3-C004–C006; S_AL-P4-C001–C003; S_AL-P4-C012** | P4-S002 methodology printed 2/PDF 4/zero 3; collection printed 41/PDF 43/zero 42. | Arithmetic unchanged; current §40-12-2 text and amendment chain remain held. |\n| 3 | Remote letter/telephone agency with no Alabama agent | C007–C008 | **S_AL-P3-C007–C008; S_AL-P4-C002; S_AL-P4-C012** | P4-S002 remote and agent interpretation bullets. | Answered only as October 2022 agency interpretation; internet-only boundary remains open. |\n| 4 | Alabama agent, retained lawyer and local contractor | C008 | **S_AL-P3-C008; S_AL-P4-C002; S_AL-P4-C012** | P4-S002 printed 41/PDF 43/zero 42. | Actual agency relationship remains fact-dependent. |\n| 5 | General collection-agency bond, financial-fitness or agent registration | C009–C010 | **S_AL-P3-C009–C010; S_AL-P4-C001–C003** | P4-S001 unavailable official statutes; P4-S002 dated handbook. | Bounded only to retrieved general materials; specialized law remains open. |\n| 6 | Separate general supervisory collection charter | C010 | **S_AL-P3-C010; S_AL-P4-C001–C003** | Same. | Bounded negative research result, not categorical absence. |\n| 7 | Original-creditor §40-12-80 treatment | C011 | **S_AL-P3-C011; S_AL-P4-C001–C003** | P4-S002 reproduced deemed-agency trigger. | Controlling Alabama interpretation beyond that trigger remains missing. |\n| 8 | Outright debt-buyer §40-12-80 treatment | C012 | **S_AL-P3-C012; S_AL-P4-C001–C003** | Same. | Ownership-only purchaser treatment remains unresolved. |\n| 9 | Commercial-only §40-12-80 coverage | C013 | **S_AL-P3-C013; S_AL-P4-C001–C003** | P4-S002 “persons, firms, or corporations” wording and federal cross-reference. | State reconciliation remains unresolved. |\n| 10 | ACCA consumer and creditor definitions | C014 | **S_AL-P3-C014; S_AL-P4-C001; S_AL-P4-C003** | P4-S010 §5-19-1(2)–(3), expressly 2025 mirror. | Definitions read in secondary mirror; current official codification held. |\n| 11 | ACCA assignment-license trigger | C015–C017 | **S_AL-P3-C014–C017; S_AL-P3-C021–C022; S_AL-P4-C004; S_AL-P4-C015–C016** | P4-S005 Rule .01(1), (3)–(5); P4-S010 §5-19-22(a). | Current rule verified; full statutory location and entity exceptions held. |\n| 12 | Consumer-finance subsidiary exemption | C016 | **S_AL-P3-C016; S_AL-P4-C004; S_AL-P4-C016** | P4-S005 Rule .01(3). | Exact rule list verified; no extrapolation to every later statutory exception. |\n| 13 | ACCA security and location requirements | C015–C017 | **S_AL-P3-C015; S_AL-P3-C017; S_AL-P4-C004; S_AL-P4-C015** | P4-S005 Rule .01(1), (5). | $25,000 and per-proposed-location rule verified; broader statutory location/security alternatives held. |\n| 14 | Current NMLS procedure | C019–C020 | **S_AL-P3-C019; S_AL-P4-C006–C007** | P4-S007 Rule .08; P4-S008 transition; P4-S009 legacy page; P4-S013 metadata. | C020 lookup claim removed from procedure row. July 13 metadata, stale page, and checklist remain open. |\n| 15 | Public general collector lookup | C008–C010 | **S_AL-P3-C010; S_AL-P4-C008** | P4-S003 county issuance and municipal instruction. | No centralized §40-12-80 registry established; county/city checks remain necessary. |\n| 16 | Public ACCA lookup | C020 | **S_AL-P3-C020; S_AL-P4-C011** | P4-S016 NMLS Consumer Access and BOL fields. | Procedure established; no entity searched. |\n| 17 | Attorney authority lookup | C025–C026 | **S_AL-P3-C025; S_AL-P4-C010** | P4-S015 occupational license and member-search limitations. | C026 concerns federal attorney coverage, not authority lookup, and is removed. |\n| 18 | Corporate qualification | C021–C022 | **S_AL-P4-C009** | P4-S014 foreign-corporation procedure and entity records. | Farmer claims were unrelated. Whether remote conduct is “transacting business” remains held. |\n| 19 | Federal consumer-purpose boundary | C028 | **S_AL-P3-C028** | Original PASS-03 federal statutory sources unchanged. | No P4 substantive correction. |\n| 20 | Original creditor federal status | C029–C031 | **S_AL-P3-C029–C031** | Original federal sources unchanged. | No P4 substantive correction. |\n| 21 | Debt-buyer federal status | C030–C033 | **S_AL-P3-C030–C033; S_AL-P4-C013–C014** | P4-S012 *Henson* slip/PDF pages; P4-S011 footnote 5 exact page. | Only pagination corrected; prong analysis unchanged. |\n| 22 | Servicer before/after default | C030, C034 | **S_AL-P3-C030; S_AL-P3-C034; S_AL-P4-C013** | P4-S011 printed/PDF p. 4 and fn. 5 printed/PDF p. 8. | Factual and legal conditions unchanged. |\n| 23 | Attorney collection and foreclosure boundary | C035–C036 | **S_AL-P3-C035–C036** | Original PASS-03 judicial sources unchanged. | No P4 substantive correction. |\n| 24 | Fiduciary exclusion | C037 | **S_AL-P3-C037** | Original *Harris* source unchanged. | No P4 correction. |\n| 25 | Full subsequent history | C039 | **S_AL-P3-C039** | Original case set unchanged. | Still partial; no new citator/docket project. |\n| 26 | Municipal collection or business-license law | C005, C010 | **S_AL-P4-C008** | P4-S003 lines 139–142; P4-S002 methodology. | Old claims were state/county arithmetic and charter search. Full local variation remains open. |\n| 27 | Tribal law and jurisdiction | — | **No claim assigned.** | No nation-specific source read. | Excluded; remains entirely open. |\n| 28 | Communication frequency, contact times and channel restrictions | C018 | **S_AL-P3-C018; S_AL-P4-C005** | P4-S006 opening clause; detailed items not adopted into this pass. | Still excluded as a separate conduct pass; Rule .07 applies to licensees. |\n| 29 | Validation, disputes and credit reporting | — | **No claim assigned.** | No applicable source read in this correction. | Excluded; remains open. |\n| 30 | Limitations, revival and time-barred debt | — | **No claim assigned.** | No applicable source read. | Excluded; remains open. |\n| 31 | Lawsuits, standing, proof, judgments and garnishment | C035 only | **S_AL-P3-C025; S_AL-P3-C035** | P4-S015 for professional authority; original attorney-FDCPA source for litigation coverage. | Supports only attorney authority and federal litigation coverage—not standing, evidence, judgments, garnishment, or procedure. |\n| 32 | Exemptions from execution and garnishment | — | **No claim assigned.** | No applicable source read. | Excluded; remains open. |\n| 33 | Secured debt, repossession and foreclosure substance | C006, C036 | **S_AL-P3-C036; S_AL-P4-C017** | P4-S002 repossession interpretation; original foreclosure source for federal boundary. | Arithmetic C006 removed. Alabama repossession/foreclosure substance remains excluded. |\n| 34 | Remedies, damages and enforcement | — | **No claim assigned.** | No applicable source read. | Excluded; remains open. |\n| 35 | Contracts, assignment validity and chain of title | C012, C021–C023 | **S_AL-P3-C012; S_AL-P3-C021–C023; S_AL-P4-C015** | P4-S005 Rule .01; prior *Farmer* source; no contracts reviewed. | Claims support classification dependencies only, not validity, transfer proof, or chain-of-title merits. |\n| 36 | PASS-01/PASS-02 provider-access, fee, transmission and UPL holds | C040 | **S_AL-P3-C040** | Scope boundary only. | All earlier holds remain preserved and unaccepted. |\n| 37 | Alabama, component, or A066 acceptance | “All limitations above” | **S_AL-P3-C040; S_AL-P4-C001–C017** | Entire PASS-04 correction record. | No state, component, A066, parent, publication, or operational acceptance. |\n\n# G. Bounded coverage patch and remaining gaps\n\n| Corrected component | PASS-04 disposition | Exact remaining gap / next evidence |\n| --- | --- | --- |\n| Official current §§40-12-80 and 40-12-2 | **Current-text claim withdrawn and replaced with a hold.** | Obtain readable official full text, history, Act 2001-454, effective clause, and subsequent amendment chain. |\n| Official current §§5-19-1 and 5-19-22 | **Current-text claim withdrawn.** The 2025 mirrors remain secondary only. | Obtain readable official complete text and reconcile Act 96-576 and later amendments. |\n| ALDOR handbook pagination | **Corrected completely.** | No further page-label work required unless a newer handbook replaces the October 2022 edition. |\n| ALDOR remote/agent/repossession interpretations | **Verified as October 2022 agency guidance.** | Controlling adjudication, formal interpretation, or current official statute remains missing; online-only treatment remains open. |\n| Rule .01 direct source | **Resolved.** Exact current PDF, paragraphs, and history verified. | Do not extend its older exemption list beyond its own text; current statute remains held. |\n| Rule .07 direct source | **Resolved.** | Detailed conduct analysis remains a later pass. |\n| Rule .08 direct source | **Direct PDF and agency index verified as stating Sept. 1, 2026.** | Explain or reconcile the separate July 13 publication-history metadata; retrieve exact NMLS checklist package. |\n| Current versus legacy application procedure | **Current NMLS route identified; old mail page confirmed still online.** | Formal status or withdrawal of legacy page remains unverified. |\n| *Glover/Booze* pagination | **Corrected.** | No broader subsequent-history work requested or completed. |\n| *Henson* pagination | **Corrected.** | No substantive change. |\n| Seven example references | **All seven corrected.** | Every original factual/entity-specific hold remains. |\n| Thirty-seven coverage references | **All 37 audited and corrected.** | “Answered” or a corrected citation is not coordinator acceptance and does not close underlying substantive gaps. |\n| Numerical outputs | **No change.** | Current legal applicability of the §40 amounts still depends on the unread official current codification and actual place/entity facts. |\n| Public authority lookups | **Procedures identified and reference errors corrected.** | No named entity, branch, attorney, county record, or municipality was searched. |\n| Corporate qualification | **Correct authoritative procedure substituted for unrelated Farmer claims.** | Actual foreign-entity nexus and statutory exceptions remain open. |\n| Municipal, county, and tribal variation | **Preserved as partial/excluded.** | Actual county/city and nation-specific law must be researched when locations/entities are known. |\n| Commercial-only, debt-buyer, servicer, and online boundaries | **No substantive closure.** | Exact current statutes, controlling Alabama interpretations, actual contracts, ownership, default timing, and location/agent facts remain required. |\n| Earlier debtor-side fee, UPL, transmission, forms, and case-history holds | **Unchanged.** | PASS-04 supplies no cross-component authorization or acceptance. |\n\nNo new worked example was necessary. The existing examples’ numerical operations were not changed.\n\n# H. Researcher self-check\n\n## Actually read in PASS-04\n\n- The four official Alabama Code section routes, solely to determine that they produced navigation shells rather than operative text.\n- The actual October 2022 ALDOR handbook methodology and collection-agency passages, with corrected printed/PDF/zero-index pagination.\n- ALDOR’s currently accessible privilege-license procedure page linking that handbook.\n- The Banking Department’s current-regulations page and the direct Rule .01, .07, and .08 PDFs.\n- The current NMLS transition/forms page and the still-live legacy ACCA print/mail page.\n- The 2025 Justia reproductions of §§5-19-1 and 5-19-22, retaining their secondary-source warnings.\n- The exact *Glover/Booze* factual page and footnote 5 page.\n- The exact *Henson* opinion beginning and slip pages 2–3.\n- The Secretary of State foreign-corporation and entity-record procedure pages.\n- The Alabama Bar occupational-license and member-search pages.\n- The Banking Department’s NMLS verification and BOL licensee-search pages.\n\n## Screenshot status\n\n- Screenshots were inspected for the ALDOR methodology page, all three rule PDFs, *Glover/Booze* printed/PDF pages 4 and 8, and *Henson* slip pages 1–3.\n- The ALDOR collection-page screenshot request repeatedly returned a cache miss. The PDF’s parsed page text and pagination were successfully read at zero-index page 42. No visual fact beyond that text was inferred.\n\n## Supplied or reused, not newly researched\n\n- The preserved PASS-03 source and claim identities.\n- The coordinator’s identification of concrete reference defects, independently checked against the actual PASS-03 register.\n- The existing federal prong, default-status, attorney, fiduciary, and foreclosure framework, except for the requested *Glover/Booze* and *Henson* page corrections.\n- The statement that the four PASS-03 numeric results matched; the arithmetic was not rebuilt into a new fee framework.\n\n## Not read or not resolved\n\n- Signed Act 2001-454, its precise effective clause, and the complete §40-12-80 amendment chain.\n- Signed Act 96-576 and the complete §§5-19-1/5-19-22 amendment chain.\n- Readable current official complete text of the four identified Alabama Code sections.\n- An authoritative explanation reconciling Rule .08’s Sept. 1 date with the July 13 administrative-code metadata entry.\n- The exact NMLS Alabama checklist package.\n- Any named entity’s county privilege license, BOL/NMLS status, corporate status, municipal license, or attorney status.\n- Any unrequested subsequent-history, full local, tribal, contract, or remaining state-component investigation.\n\n## Process and status discipline\n\nThis was regular-chat public-source research. No Deep Research, Work, API, Chrome control, contact, filing, application, purchase, account change, site change, private borrower data, local write, or publication action occurred. Search-indexed text was not substituted for unread operative statutory text. Secondary mirrors were not promoted to current official law. This is a researcher self-check, **not an independent review**.\n\nNo whole-state, component, A066, parent, operational, or publication acceptance follows.\n\n**END S_AL PASS-04.** \n\n","tables":[{"headers":["Source ID","Title, issuer, and direct literal URL","Exact passage, version, effectivity, and page labels","Actual access status, jurisdiction, and limits"],"index":0,"links":[{"href":"https://alison.legislature.state.al.us/code-of-alabama?section=40-12-2","text":"Alabama Legislature\n+3"},{"href":"https://www.revenue.alabama.gov/wp-content/uploads/2022/03/201008_HandbookPrivStoreLicences_revOct20.pdf","text":"Alabama Department of Revenue\n+3"},{"href":"https://www.revenue.alabama.gov/business-license/business-privilege-tax/","text":"Alabama Department of Revenue"},{"href":"https://banking.alabama.gov/bol/bol-regulations/","text":"Alabama State Banking Department"},{"href":"https://banking.alabama.gov/wp-content/uploads/2023/06/155_2_2_.01_Licensing.pdf","text":"Alabama State Banking Department\n+3"},{"href":"https://banking.alabama.gov/wp-content/uploads/2023/06/155_2_2_07.pdf","text":"Alabama State Banking Department\n+1"},{"href":"https://banking.alabama.gov/wp-content/uploads/2026/07/155-2-1-.08-Original-Application-Forms-Renewal-Forms-Amendments-and-Annual-Reports.pdf","text":"Alabama State Banking Department\n+1"},{"href":"https://banking.alabama.gov/bol/bol-forms-and-apps/","text":"Alabama State Banking Department\n+2"},{"href":"https://banking.alabama.gov/bol/bol-forms-and-apps/bol_acca_apps/acca-original/","text":"Alabama State Banking Department"},{"href":"https://law.justia.com/codes/alabama/title-5/chapter-19/section-5-19-1/","text":"Justia Law\n+3"},{"href":"https://media.ca11.uscourts.gov/opinions/pub/files/202312578.pdf","text":"11th Circuit Court\n+3"},{"href":"https://www.supremecourt.gov/opinions/16pdf/16-349_c07d.pdf","text":"Supreme Court\n+4"},{"href":"https://admincode.legislature.state.al.us/administrative-code/155-2-1-.08","text":"Alabama Administrative Code\n+1"},{"href":"https://www.sos.alabama.gov/business-entities/foreign-corporations","text":"Alabama Secretary of State\n+1"},{"href":"https://www.alabar.org/members/attorney-licensing/","text":"Alabama State Bar\n+1"},{"href":"https://banking.alabama.gov/verify-service-providers/","text":"Alabama State Banking Department\n+1"}],"row_links":[[],[{"href":"https://alison.legislature.state.al.us/code-of-alabama?section=40-12-2","text":"Alabama Legislature\n+3"}],[{"href":"https://www.revenue.alabama.gov/wp-content/uploads/2022/03/201008_HandbookPrivStoreLicences_revOct20.pdf","text":"Alabama Department of Revenue\n+3"}],[{"href":"https://www.revenue.alabama.gov/business-license/business-privilege-tax/","text":"Alabama Department of Revenue"}],[{"href":"https://banking.alabama.gov/bol/bol-regulations/","text":"Alabama State Banking Department"}],[{"href":"https://banking.alabama.gov/wp-content/uploads/2023/06/155_2_2_.01_Licensing.pdf","text":"Alabama State Banking Department\n+3"}],[{"href":"https://banking.alabama.gov/wp-content/uploads/2023/06/155_2_2_07.pdf","text":"Alabama State Banking Department\n+1"}],[{"href":"https://banking.alabama.gov/wp-content/uploads/2026/07/155-2-1-.08-Original-Application-Forms-Renewal-Forms-Amendments-and-Annual-Reports.pdf","text":"Alabama State Banking Department\n+1"}],[{"href":"https://banking.alabama.gov/bol/bol-forms-and-apps/","text":"Alabama State Banking Department\n+2"}],[{"href":"https://banking.alabama.gov/bol/bol-forms-and-apps/bol_acca_apps/acca-original/","text":"Alabama State Banking Department"}],[{"href":"https://law.justia.com/codes/alabama/title-5/chapter-19/section-5-19-1/","text":"Justia Law\n+3"}],[{"href":"https://media.ca11.uscourts.gov/opinions/pub/files/202312578.pdf","text":"11th Circuit Court\n+3"}],[{"href":"https://www.supremecourt.gov/opinions/16pdf/16-349_c07d.pdf","text":"Supreme Court\n+4"}],[{"href":"https://admincode.legislature.state.al.us/administrative-code/155-2-1-.08","text":"Alabama Administrative Code\n+1"}],[{"href":"https://www.sos.alabama.gov/business-entities/foreign-corporations","text":"Alabama Secretary of State\n+1"}],[{"href":"https://www.alabar.org/members/attorney-licensing/","text":"Alabama State Bar\n+1"}],[{"href":"https://banking.alabama.gov/verify-service-providers/","text":"Alabama State Banking Department\n+1"}]],"rows":[["Source ID","Title, issuer, and direct literal URL","Exact passage, version, effectivity, and page labels","Actual access status, jurisdiction, and limits"],["S_AL-P4-S001","Alabama Legislature Code viewer routes: https://alison.legislature.state.al.us/code-of-alabama?section=40-12-80&title=40 https://alison.legislature.state.al.us/code-of-alabama?section=40-12-2 https://alison.legislature.state.al.us/code-of-alabama?section=5-19-1 https://alison.legislature.state.al.us/code-of-alabama?section=5-19-22","Each requested section URL opened to a 58-line navigation shell. No complete section text, amendment history, version stamp, or codification currency was readable.","F for operative text; D only. Official Alabama host, accessed Oct. 24, 2026. Search-indexed excerpts were not elevated to operative text. Act 2001-454, Act 96-576, and the complete amendment chains remain held. \nAlabama Legislature\n+3"],["S_AL-P4-S002","ALDOR, Handbook of Privilege and Store Licenses: https://www.revenue.alabama.gov/wp-content/uploads/2022/03/201008_HandbookPrivStoreLicences_revOct20.pdf","Dated October 2022. Methodology: printed p. 2 / one-based PDF p. 4 / zero-index 3. Collection Agencies: printed p. 41 / one-based PDF p. 43 / zero-index 42. Collection page reproduces §40-12-80 wording, $151/$38.50 totals, per-place rule, remote/no-agent interpretation, Alabama-agent examples, and repossession distinction.","R/S. Official agency guidance currently linked by ALDOR. It identifies some following material as “Interpretations.” It is not verified current official statutory codification, an adopted rule, or a controlling judgment. Collection-page screenshot repeatedly returned a cache miss, but the PDF text and pagination were read. \nAlabama Department of Revenue\n+3"],["S_AL-P4-S003","ALDOR, “Business Privilege License”: https://www.revenue.alabama.gov/business-license/business-privilege-tax/","Lines 139–142: Title 40, Chapter 12 privilege-license description; state/county licenses issued by county probate judge or license commissioner; generally required in each county unless otherwise provided; ALDOR does not administer municipal licenses; current handbook link.","R. Official current operational page, accessed Oct. 24, 2026. It supports procedure, not the complete text or currentness of any specific Code section. \nAlabama Department of Revenue"],["S_AL-P4-S004","Alabama State Banking Department, “BOL Regulations”: https://banking.alabama.gov/bol/bol-regulations/","Identifies the page as “Current Regulations”; links Rule .08 with “Effective: September 1, 2026,” Rule .01 with “Amended: January 1, 2020,” and Rule .07 with “Amended: August 1, 2002.”","R. Official agency current-regulations index. Direct PDFs were separately opened and read as S005–S007. \nAlabama State Banking Department"],["S_AL-P4-S005","Rule 155-2-2-.01, Licensing — Alabama Consumer Credit Act: https://banking.alabama.gov/wp-content/uploads/2023/06/155_2_2_.01_Licensing.pdf","One-page rule. ¶(1): license for each proposed location before making consumer loans or taking assignments of consumer-credit contracts unless exempt. ¶(3): enumerated institutional exemptions do not extend to consumer-finance subsidiaries. ¶¶(4)–(6): application, minimum $25,000 tangible net worth/capital, and fees. History: effective Oct. 1, 1997; amended Jan. 1, 2020.","R/S. Official current-rule PDF linked by S004. The rule does not establish that its older enumerated institutional list is identical to every exception in a later statutory version. \nAlabama State Banking Department\n+3"],["S_AL-P4-S006","Rule 155-2-2-.07, Restricted Activities — Alabama Consumer Credit Act: https://banking.alabama.gov/wp-content/uploads/2023/06/155_2_2_07.pdf","One-page rule. Opening clause applies collection procedures and practices “by a licensee.” Lists six unreasonable tactics. History: amended Aug. 1, 2002.","R/S. Official current-rule PDF. It regulates collection practices of an ACCA licensee; it is not a general collection-agency licensing provision. \nAlabama State Banking Department\n+1"],["S_AL-P4-S007","Rule 155-2-1-.08, Original Application Forms, Renewal Forms, Amendments, and Annual Reports: https://banking.alabama.gov/wp-content/uploads/2026/07/155-2-1-.08-Original-Application-Forms-Renewal-Forms-Amendments-and-Annual-Reports.pdf","¶(1): all Bureau of Loans original applications, renewals, amendments, and annual reports must be submitted through NMLS. History line: Effective September 1, 2026.","R/S. Official current-rule PDF linked by S004. The separate July 13 metadata entry remains unexplained. \nAlabama State Banking Department\n+1"],["S_AL-P4-S008","Alabama State Banking Department, “BOL Forms and Applications”: https://banking.alabama.gov/bol/bol-forms-and-apps/","Lines 3–5: NMLS use for all license types beginning Sept. 1 and “Non-Mortgage Consumer Credit Act Original License Application” terminology. Lines 24–30: Sept. 1–Dec. 31, 2026 transition period; transitioned expiration to Dec. 31, 2027; existing non-mortgage Consumer Credit licensees move to the new license type.","R. Official current operational instructions. Does not itself establish the full statutory coverage of the new license type. \nAlabama State Banking Department\n+2"],["S_AL-P4-S009","Legacy “ACCA Original License Application Package”: https://banking.alabama.gov/bol/bol-forms-and-apps/bol_acca_apps/acca-original/","Line 11 says all original applications must be printed and mailed, one per Alabama office.","R, but current applicability unresolved. The page remains online and conflicts with current Rule .08 and S008. It is not treated as the governing 2026 procedure. \nAlabama State Banking Department"],["S_AL-P4-S010","Justia 2025 reproductions: https://law.justia.com/codes/alabama/title-5/chapter-19/section-5-19-1/ https://law.justia.com/codes/alabama/title-5/chapter-19/section-5-19-22/","§5-19-1: “consumer” and “creditor,” lines 67–69. §5-19-22: activities, institutional and seller exceptions, and location provisions, lines 60–72. Both are expressly labeled 2025.","R, secondary mirror only. Justia expressly warns that the Code may not be the most recent version. No 2026 official-currentness promotion. Act 96-576 and later amendment chain remain held. \nJustia Law\n+3"],["S_AL-P4-S011","Glover/Booze v. Ocwen Loan Servicing, LLC, Eleventh Circuit: https://media.ca11.uscourts.gov/opinions/pub/files/202312578.pdf","Servicing-after-default facts: printed opinion p. 4 / one-based PDF p. 4 / zero-index 3. Footnote 5: printed opinion p. 8 / one-based PDF p. 8 / zero-index 7. The footnote explains “any debts” by citing Davidson.","R/S. Official published Eleventh Circuit opinion filed Feb. 4, 2025. No new docket or subsequent-history project undertaken. \n11th Circuit Court\n+3"],["S_AL-P4-S012","Henson v. Santander Consumer USA Inc., U.S. Supreme Court: https://www.supremecourt.gov/opinions/16pdf/16-349_c07d.pdf","Opinion begins at slip p. 1 / one-based PDF p. 3 / zero-index 2. Own-account purchaser discussion is at slip p. 2 / PDF p. 4 / zero-index 3. Principal-purpose and third-party theories expressly left open at slip p. 3 / PDF p. 5 / zero-index 4.","R/S. Official Supreme Court slip opinion dated June 12, 2017. “Slip pages” must not be confused with whole-file PDF pages because two syllabus pages precede the opinion. \nSupreme Court\n+4"],["S_AL-P4-S013","Alabama Administrative Code Rule .08 route: https://admincode.legislature.state.al.us/administrative-code/155-2-1-.08","Rendered page returned a JavaScript-only shell. Indexed official-page content states history “effective September 1, 2026,” but separately displays “Certified New Rule … Effective Jul 13, 2026.”","F for rendered operative page; D for indexed metadata. The discrepancy was not resolved. The direct agency PDF and current-regulations page establish what they themselves state, but do not explain the July 13 entry. \nAlabama Administrative Code\n+1"],["S_AL-P4-S014","Alabama Secretary of State: https://www.sos.alabama.gov/business-entities/foreign-corporations https://www.sos.alabama.gov/government-records/business-entity-records","Foreign-corporation page says a certificate of authority is required before “transacting business” and gives filing procedure. Records page provides public entity-record access.","R. Official procedural evidence. It is not collection authority and does not resolve whether a particular remote collector is “transacting business.” \nAlabama Secretary of State\n+1"],["S_AL-P4-S015","Alabama State Bar: https://www.alabar.org/members/attorney-licensing/ https://members.alabar.org/Member_Portal/Member_Portal/Member-Search.aspx","Licensing page: occupational license required for private practice; special membership is for a lawyer not actively practicing privately. Search interface lists name, firm, city/county and other fields; displayed discipline begins Jan. 2018; practice areas are self-reported and unverified.","R. Official procedure and lookup. No attorney or law firm searched. \nAlabama State Bar\n+1"],["S_AL-P4-S016","Alabama State Banking Department lookups: https://banking.alabama.gov/verify-service-providers/ https://apps.banking.alabama.gov/LicenseesBOL.aspx","NMLS Consumer Access is presented as a free authorization-verification service. The BOL search accepts license type, number, company, and city.","R. Official lookup procedures. No named company or guessed entity searched. \nAlabama State Banking Department\n+1"]]},{"headers":["Claim ID","Precise corrective assertion","Sources and exact pinpoints","Conditions, limits, and confidence"],"index":1,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Claim ID","Precise corrective assertion","Sources and exact pinpoints","Conditions, limits, and confidence"],["S_AL-P4-C001","PASS-03 did not verify complete current official text for §§40-12-80, 40-12-2, 5-19-1, or 5-19-22. The official URLs returned navigation shells; indexed excerpts were discovery only.","S001, all four routes.","High access finding. No inference about the missing text’s contents or amendment status."],["S_AL-P4-C002","ALDOR currently links an October 2022 handbook that reproduces §40-12-80 wording and operational interpretations. It is dated guidance, not verified 2026 codification.","S002, methodology printed 2/PDF 4/zero 3; collection printed 41/PDF 43/zero 42; S003 lines 139–142.","High document-status finding. Do not elevate the “Interpretations” to a formal rule or court holding."],["S_AL-P4-C003","The $151 and $38.50 totals, 50% county component, $1 fee, per-place treatment, and quoted §40-12-80 trigger are supported as October 2022 ALDOR handbook content; their status as complete current statutory text remains held.","S002 collection page and methodology.","Arithmetic remains correct. Act 2001-454 and the full §40-12-2/§40-12-80 amendment chain remain unverified."],["S_AL-P4-C004","Current Rule 155-2-2-.01 requires a license for each proposed location before making consumer loans or taking assignments of consumer-credit contracts unless exempt, requires an application, and requires at least $25,000 tangible net worth/capital.","S005 ¶¶(1), (4)–(6).","High current-rule evidence. Does not establish every current statutory location or entity exception."],["S_AL-P4-C005","Rule 155-2-2-.07 regulates collection procedures and practices “by a licensee”; it is not a general collection-agency licensing rule.","S006 opening clause and history.","High. Detailed conduct remains outside this correction pass."],["S_AL-P4-C006","Current Rule 155-2-1-.08 requires all Bureau of Loans applications, renewals, amendments, and annual reports to be submitted through NMLS and states an effective date of September 1, 2026.","S004 lines 31–38; S007 ¶(1) and history.","High for what the direct rule and agency index state."],["S_AL-P4-C007","The current forms page implements a Sept. 1–Dec. 31, 2026 NMLS transition and new Non-Mortgage Consumer Credit terminology. A legacy mail page remains online. The July 13 metadata entry and exact NMLS checklist package are unresolved.","S008 lines 3–5, 24–30; S009 line 11; S013 indexed metadata.","No conclusion that the conflicting material has been formally withdrawn or superseded in every context."],["S_AL-P4-C008","ALDOR directs businesses to county probate judges or license commissioners for state/county privilege licenses and separately directs municipal-license checks. No centralized statewide §40-12-80 authorization registry was established in this pass.","S003 lines 139–142; S002 methodology.","High procedure / bounded lookup result. Individual county and city records remain later checks."],["S_AL-P4-C009","Alabama Secretary of State foreign qualification and entity records are separate corporate procedures, not collection authority. Whether particular remote conduct constitutes “transacting business” remains unresolved.","S014.","High procedural distinction; held application."],["S_AL-P4-C010","Alabama Bar occupational status and the public member search are the appropriate procedural starting points for attorney authority, subject to the search page’s discipline-history and self-reported-practice limitations.","S015.","No named attorney or firm was searched or cleared."],["S_AL-P4-C011","NMLS Consumer Access and the Banking Department BOL search provide public financial-license verification procedures; they do not replace county §40-12-80 records or establish a named entity’s status without an actual search.","S016; S003.","No named-entity search conducted."],["S_AL-P4-C012","Correct ALDOR handbook page labels are: methodology printed 2/PDF 4/zero 3; collection agencies printed 41/PDF 43/zero 42.","S002.","Replaces ambiguous PASS-03 “p. 3” and “p. 42” labels."],["S_AL-P4-C013","Glover/Booze servicing-after-default facts are at printed/PDF p. 4, zero 3. Footnote 5 is at printed/PDF p. 8, zero 7—not “p. 7 n.5.”","S011.","Substantive holding unchanged; no expanded history check."],["S_AL-P4-C014","Henson citations must distinguish slip pagination from PDF pagination: relevant material at slip pp. 2–3 corresponds to one-based PDF pp. 4–5 and zero-index pp. 3–4.","S012.","Substantive holding unchanged."],["S_AL-P4-C015","Rule .01 independently supports per-location licensing and the $25,000 requirement, but broader remote-location and record-location provisions in PASS-03 came from a 2025 secondary mirror and remain currentness-qualified.","S005 ¶¶(1), (5); S010 §5-19-22(a).","Act 96-576 and full current statutory chain remain held."],["S_AL-P4-C016","Rule .01(3) specifically lists state or federal banks, trust companies, savings/building and loan associations, savings banks and other thrift institutions, credit unions, and life-insurance companies, and denies those exemptions to their consumer-finance subsidiaries.","S005 ¶(3).","Do not infer this older rule list is identical to every entity exception in the 2025 mirror or a current unread statute."],["S_AL-P4-C017","The handbook’s repossession interpretation says repossession-only agents are outside §40-12-80, but soliciting collection claims while repossessing can bring the employer within the section.","S002, collection page, final interpretation bullets.","October 2022 agency interpretation only; not verified statutory text or controlling case law."]]},{"headers":["PASS-03 source ID","Cell affected","Exact replacement cell"],"index":2,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[]],"rows":[["PASS-03 source ID","Cell affected","Exact replacement cell"],["S_AL-P3-S001","“Pinpoint actually read; version and legal status” and “Access, jurisdiction, and limitations”","Replacement: “The official §40-12-80 URL was opened on October 24, 2026 Pacific and returned a navigation shell without readable section text. Search-indexed excerpts were discovery only. The wording, totals, and interpretations were actually read in ALDOR’s October 2022 handbook at printed p. 41 / one-based PDF p. 43 / zero-index 42. Status: F for complete official codification; R for dated ALDOR guidance. Current official text, Act 2001-454 effective clause, and amendment chain remain held.” Dependency: S_AL-P4-S001–S003; C001–C003, C012."],["S_AL-P3-S002","Same cells","Replacement: “The official §40-12-2 URL returned a navigation shell without readable section text. Search-indexed excerpts were discovery only. The October 2022 handbook states at its methodology page—printed p. 2 / PDF p. 4 / zero 3—that displayed totals combine state and county portions, and its collection page states that the county levy is 50% of the state levy. Status: F for complete official codification; R for dated agency guidance. Complete current §40-12-2 text and amendment chain remain held.” Dependency: S_AL-P4-S001–S003; C001–C003, C012."],["S_AL-P3-S004","Pinpoint/page labels and limitations","Replacement: “October 2022 ALDOR handbook. Methodology at printed p. 2 / one-based PDF p. 4 / zero-index 3. Collection Agencies at printed p. 41 / one-based PDF p. 43 / zero-index 42. Currently linked by ALDOR, but dated guidance rather than verified current official codification, adopted rule, or controlling judgment.” Dependency: S_AL-P4-S002–S003; C002–C003, C012, C017."],["S_AL-P3-S005","Version/currentness and access","Replacement: “The official §5-19-1 URL opened to a navigation shell; no complete official-current section was read. The definitions were actually read in the expressly labeled 2025 Justia reproduction at subsections (2)–(3), but that reproduction warns it may not be the most recent version. Status: F official complete text; R secondary 2025 mirror. Act 96-576 and subsequent amendment chain remain held.” Dependency: S_AL-P4-S001, S010; C001, C015."],["S_AL-P3-S006","Version/currentness and limitations","Replacement: “Entirely retain the source as a 2025 unofficial reproduction. Relevant text: §5-19-22(a)(1)–(3), institutional and seller exceptions, and location/records provisions. Do not describe it as official 2026 current text. Rule 155-2-2-.01 independently verifies narrower per-location, subsidiary, application, and $25,000 provisions; the rule’s older institutional list is not presumed identical to the mirror’s later list.” Dependency: S_AL-P4-S005, S010; C004, C015–C016."],["S_AL-P3-S007","Title/locator, pinpoints, and effectivity","Replacement: “Current Banking Department regulation locators: Rule .01 — https://banking.alabama.gov/wp-content/uploads/2023/06/155_2_2_.01_Licensing.pdf, ¶¶(1), (3)–(7), effective Oct. 1, 1997 and amended Jan. 1, 2020. Rule .07 — https://banking.alabama.gov/wp-content/uploads/2023/06/155_2_2_07.pdf, opening clause and items 1–6, amended Aug. 1, 2002. Rule .08 — https://banking.alabama.gov/wp-content/uploads/2026/07/155-2-1-.08-Original-Application-Forms-Renewal-Forms-Amendments-and-Annual-Reports.pdf, ¶¶(1)–(2), effective Sept. 1, 2026. All are directly linked from the agency’s Current Regulations page. The administrative-code July 13 metadata discrepancy remains held.” Dependency: S_AL-P4-S004–S007, S013."],["S_AL-P3-S008","Operational-procedure pinpoint and limits","Replacement: “The current forms page states that NMLS use began Sept. 1, identifies the Non-Mortgage Consumer Credit license, and gives a Sept. 1–Dec. 31, 2026 transition period. It supports current operational procedure only. The exact NMLS checklist package was not retrieved and no named licensee was searched.” Dependency: S_AL-P4-S008, S016; C007, C011."],["S_AL-P3-S009","Current-applicability limitation","Replacement: “The legacy ACCA page remains publicly accessible and says original applications must be printed and mailed. Because that instruction conflicts with current Rule .08 and the current transition page, it is retained as unresolved legacy/stale procedure and not treated as governing current intake.” Dependency: S_AL-P4-S007–S009; C006–C007."],["S_AL-P3-S016","Exact pinpoint","Replacement: “Henson, own-account purchaser and unanswered-theory discussion at slip opinion pp. 2–3, corresponding to one-based PDF pp. 4–5 and zero-index pp. 3–4. The opinion itself begins at slip p. 1 / PDF p. 3 / zero 2.” Dependency: S_AL-P4-S012; C014."],["S_AL-P3-S018","Exact pinpoint","Replacement: “Glover/Booze, servicing-after-default facts at printed opinion p. 4 / one-based PDF p. 4 / zero 3. Footnote 5 at printed opinion p. 8 / one-based PDF p. 8 / zero 7. Replace every ‘p. 7 n.5’ locator accordingly.” Dependency: S_AL-P4-S011; C013."]]},{"headers":["PASS-03 claim ID","Exact replacement"],"index":3,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["PASS-03 claim ID","Exact replacement"],["S_AL-P3-C001","Replacement assertion/currentness: “ALDOR’s October 2022 handbook reproduces §40-12-80 as imposing combined state/county/issuance totals of $151 or $38.50 according to population tier. PASS-04 did not verify those amounts in readable current official codification.” Sources: P4-S002, printed 41/PDF 43/zero 42; P4-S001 failed official-text routes."],["S_AL-P3-C002","Replacement assertion/currentness: “The October 2022 handbook reproduces the deemed-agency trigger based on employing agents to solicit claims from persons, firms, or corporations in Alabama. Current official codification and amendment chain remain held.” Sources: P4-S002 collection page; P4-S001."],["S_AL-P3-C003","Replacement assertion/currentness: “The October 2022 handbook reproduces a final sentence excluding persons excluded from the federal FDCPA debt-collector definition. Its exact status in current official Alabama codification remains unverified.” Sources: P4-S002 collection page; P4-S001."],["S_AL-P3-C004","Replace source/confidence cell: “Supported procedurally by ALDOR’s current privilege-license page and October 2022 handbook. High as to agency characterization; current complete statutory text remains held.” Sources: P4-S002–S003."],["S_AL-P3-C005","Replace source/confidence cell: “The 50% county component, combined display convention, per-place procedure, and $1 component are supported by the October 2022 handbook and current ALDOR procedure page; complete current §40-12-2 text was not read.” Sources: P4-S002–S003."],["S_AL-P3-C006","Replacement assertion/currentness: “The handbook arithmetic is $150 combined state/county + $1 = $151, and $37.50 combined state/county + $1 = $38.50. Arithmetic verified; current official statutory amounts remain held.” Sources: P4-S002 printed 41/PDF 43/zero 42."],["S_AL-P3-C007","Replace source/pinpoint: “P4-S002, collection page, printed 41/PDF 43/zero 42, interpretation stating that an out-of-state agency soliciting by letter/phone only and having no Alabama agents does not need Section 80.” Currentness: October 2022 agency interpretation, not controlling adjudication or verified 2026 Code text."],["S_AL-P3-C008","Replace source/pinpoint: “P4-S002, collection page, printed 41/PDF 43/zero 42, interpretation listing an Alabama employee, retained Alabama attorney, Alabama agency, or anyone in Alabama acting for the out-of-state agency as potential agents.” Currentness: Same dated-guidance qualification."],["S_AL-P3-C009","Replace confidence cell: “Bounded to the actual October 2022 handbook and the official materials retrieved. Does not establish that no specialized statute, local law, or later amendment imposes security, agent, or registration requirements.”"],["S_AL-P3-C010","Replace confidence cell: “Bounded official-source search result only. Because readable current official §§40-12-80 and 40-12-2 were not obtained, this is not a categorical absence-of-regulation conclusion.”"],["S_AL-P3-C011–C013","Add currentness qualification: “The underlying state classification application relies on the October 2022 ALDOR reproduction and interpretation, not verified current official statutory text. The original-creditor, purchaser, and commercial-only boundaries remain unresolved exactly as stated.”"],["S_AL-P3-C014","Replacement source/currentness: “Definitions were actually read in the expressly labeled 2025 Justia mirror, P4-S010, §5-19-1(2)–(3). The official §5-19-1 route returned a shell. No 2026 official-currentness certification.”"],["S_AL-P3-C015","Replacement source/currentness: “Current Rule .01(1) independently verifies a per-proposed-location license before making consumer loans or taking assignments unless exempt. Broader resident, remote, employee, and record-location details remain dependent on the 2025 mirror and unverified current statutory chain.” Sources: P4-S005 ¶(1); P4-S010 §5-19-22(a)."],["S_AL-P3-C016","Replacement assertion: “Current Rule .01(3) states that exemptions for the specifically enumerated banks, trust companies, savings/building and loan associations, savings banks and other thrift institutions, credit unions, and life-insurance companies do not extend to their consumer-finance subsidiaries.” Limit: Do not merge this rule list with every entity exception in the later 2025 mirror."],["S_AL-P3-C017","Replacement source/currentness: “The $25,000 tangible-net-worth/capital requirement is directly verified by current Rule .01(5). Other statutory security alternatives or exceptions remain currentness-qualified.”"],["S_AL-P3-C018","Replacement source/limit: “Direct Rule .07 opening clause, P4-S006: collection procedures and practices ‘by a licensee’ must comply with applicable law. The rule is not a general collection-agency license.”"],["S_AL-P3-C019","Replacement assertion/source: “Direct Rule .08 and the current regulations/forms pages support NMLS submission and a stated Sept. 1, 2026 effective/implementation date. The July 13 administrative-code metadata entry, legacy print/mail page, and exact NMLS checklist remain unresolved.” Sources: P4-S004, S007–S009, S013."],["S_AL-P3-C022","Replacement currentness qualification: “The comparison between Farmer and later statutory language relies on the 2025 §5-19-22 secondary mirror, not verified current official 2026 codification. The historical-versus-later wording observation remains qualified.”"],["S_AL-P3-C033","Replace source pinpoint: “P4-S011, footnote 5 at printed opinion p. 8 / one-based PDF p. 8 / zero-index 7.”"],["S_AL-P3-C034","Replace source pinpoint: “P4-S011: servicing rights acquired after default at printed/PDF p. 4 / zero 3; definition discussion and footnote 5 at printed/PDF p. 8 / zero 7. Substantive limitation unchanged.”"]]},{"headers":["PASS-03 example","Old PASS-03 claim list","Corrected exact claim list","Relevant source pinpoints","Unchanged legal hold"],"index":4,"links":[],"row_links":[[],[],[],[],[],[],[],[]],"rows":[["PASS-03 example","Old PASS-03 claim list","Corrected exact claim list","Relevant source pinpoints","Unchanged legal hold"],["Example 1 — Consumer original creditor collecting in its own name","C010; C014–C017; C028–C031","S_AL-P3-C011; S_AL-P3-C014–C017; S_AL-P3-C028–C031; S_AL-P4-C001; S_AL-P4-C003–C004; S_AL-P4-C015–C016","P4-S001 official routes unavailable; P4-S005 Rule .01(1), (3), (5); P4-S010 §§5-19-1 and 5-19-22 mirrors.","Exact entity, origination role, exemption, license, employee identity, and name used remain unverified. C010 was unrelated bounded “no separate charter” research and is removed."],["Example 2 — Third-party agency with Alabama office","C001–C009; C024–C030","S_AL-P3-C001–C006; S_AL-P3-C009–C010; S_AL-P3-C024; S_AL-P3-C028–C030; S_AL-P4-C001–C003; S_AL-P4-C008–C009; S_AL-P4-C012","P4-S002 printed 41/PDF 43/zero 42; P4-S003 county/municipal procedure; P4-S014 corporate procedure.","Numeric $151 result remains arithmetic only until current statute and actual place/license record are checked."],["Example 3 — Remote agency using mail, phone, or online communications","C004–C006; C035; C038","S_AL-P3-C007–C008; S_AL-P3-C028–C030; S_AL-P3-C038; S_AL-P4-C002; S_AL-P4-C008–C009; S_AL-P4-C012","P4-S002 remote/no-agent and Alabama-agent interpretations, printed 41/PDF 43/zero 42; P4-S003; P4-S014.","Online-only activity, Alabama contractor/agent status, corporate nexus, and local law remain unresolved. Old C004–C006 were privilege-license nature/arithmetic; C035 was attorney-FDCPA coverage."],["Example 4 — Purchased defaulted consumer account","C012; C014–C17; C021–C24; C032–C033","S_AL-P3-C012; S_AL-P3-C014–C017; S_AL-P3-C021–C022; S_AL-P3-C024; S_AL-P3-C030–C033; S_AL-P4-C001; S_AL-P4-C003–C004; S_AL-P4-C014–C016","P4-S005 Rule .01; P4-S010 mirrors; P4-S012 Henson slip pp. 2–3/PDF pp. 4–5.","§40-12-80 purchaser status, ACCA creditor/assignment status, principal purpose, and actual documents remain open. “C17” is corrected to C017; servicer-specific C023 is removed."],["Example 5 — Servicing obtained before or after default","C019; C023; C030; C034","S_AL-P3-C007–C008; S_AL-P3-C014–C017; S_AL-P3-C023–C024; S_AL-P3-C030; S_AL-P3-C034; S_AL-P4-C004; S_AL-P4-C013; S_AL-P4-C015–C016","P4-S005 Rule .01; P4-S011 facts at printed/PDF p. 4/zero 3 and fn. 5 at printed/PDF p. 8/zero 7.","Servicing versus assignment, ownership, default date, payee, portfolio role, and Alabama place/agent remain unresolved. NMLS-procedure C019 was unrelated to substantive classification and is removed."],["Example 6 — Attorney collecting for creditor","C005; C025–C027; C035–C036","S_AL-P3-C008; S_AL-P3-C025–C027; S_AL-P3-C035–C036; S_AL-P4-C010","P4-S002 Alabama-attorney-as-agent interpretation; P4-S015 attorney licensing/search.","Bar status, regularity, client identity, debt purpose, exact demand, foreclosure conduct, and county-license application remain open. C005 is replaced by the actual agent-nexus C008."],["Example 7 — Commercial-only collection","C013–C014; C024; C037","S_AL-P3-C013–C014; S_AL-P3-C024; S_AL-P3-C028; S_AL-P4-C001; S_AL-P4-C003","P4-S001 unavailable current Code; P4-S002 reproduced firms/corporations wording; prior federal debt definition remains applicable.","Commercial-only §40-12-80 coverage remains held. Fiduciary-exclusion C037 was unrelated and is removed; consumer-debt definition C028 is added."]]},{"headers":["#","PASS-03 coverage-row identifier","Old claim references","Corrected exact claim references","Relevant source pinpoints","Status and legal hold remain"],"index":5,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["#","PASS-03 coverage-row identifier","Old claim references","Corrected exact claim references","Relevant source pinpoints","Status and legal hold remain"],["1","Current §40-12-80 text and population amounts","C001–C003","S_AL-P3-C001–C003; S_AL-P4-C001–C003; S_AL-P4-C012","P4-S001 shell routes; P4-S002 printed 41/PDF 43/zero 42.","Unresolved current official text. Handbook wording verified only as dated agency guidance."],["2","State/county per-place calculation","C004–C006","S_AL-P3-C004–C006; S_AL-P4-C001–C003; S_AL-P4-C012","P4-S002 methodology printed 2/PDF 4/zero 3; collection printed 41/PDF 43/zero 42.","Arithmetic unchanged; current §40-12-2 text and amendment chain remain held."],["3","Remote letter/telephone agency with no Alabama agent","C007–C008","S_AL-P3-C007–C008; S_AL-P4-C002; S_AL-P4-C012","P4-S002 remote and agent interpretation bullets.","Answered only as October 2022 agency interpretation; internet-only boundary remains open."],["4","Alabama agent, retained lawyer and local contractor","C008","S_AL-P3-C008; S_AL-P4-C002; S_AL-P4-C012","P4-S002 printed 41/PDF 43/zero 42.","Actual agency relationship remains fact-dependent."],["5","General collection-agency bond, financial-fitness or agent registration","C009–C010","S_AL-P3-C009–C010; S_AL-P4-C001–C003","P4-S001 unavailable official statutes; P4-S002 dated handbook.","Bounded only to retrieved general materials; specialized law remains open."],["6","Separate general supervisory collection charter","C010","S_AL-P3-C010; S_AL-P4-C001–C003","Same.","Bounded negative research result, not categorical absence."],["7","Original-creditor §40-12-80 treatment","C011","S_AL-P3-C011; S_AL-P4-C001–C003","P4-S002 reproduced deemed-agency trigger.","Controlling Alabama interpretation beyond that trigger remains missing."],["8","Outright debt-buyer §40-12-80 treatment","C012","S_AL-P3-C012; S_AL-P4-C001–C003","Same.","Ownership-only purchaser treatment remains unresolved."],["9","Commercial-only §40-12-80 coverage","C013","S_AL-P3-C013; S_AL-P4-C001–C003","P4-S002 “persons, firms, or corporations” wording and federal cross-reference.","State reconciliation remains unresolved."],["10","ACCA consumer and creditor definitions","C014","S_AL-P3-C014; S_AL-P4-C001; S_AL-P4-C003","P4-S010 §5-19-1(2)–(3), expressly 2025 mirror.","Definitions read in secondary mirror; current official codification held."],["11","ACCA assignment-license trigger","C015–C017","S_AL-P3-C014–C017; S_AL-P3-C021–C022; S_AL-P4-C004; S_AL-P4-C015–C016","P4-S005 Rule .01(1), (3)–(5); P4-S010 §5-19-22(a).","Current rule verified; full statutory location and entity exceptions held."],["12","Consumer-finance subsidiary exemption","C016","S_AL-P3-C016; S_AL-P4-C004; S_AL-P4-C016","P4-S005 Rule .01(3).","Exact rule list verified; no extrapolation to every later statutory exception."],["13","ACCA security and location requirements","C015–C017","S_AL-P3-C015; S_AL-P3-C017; S_AL-P4-C004; S_AL-P4-C015","P4-S005 Rule .01(1), (5).","$25,000 and per-proposed-location rule verified; broader statutory location/security alternatives held."],["14","Current NMLS procedure","C019–C020","S_AL-P3-C019; S_AL-P4-C006–C007","P4-S007 Rule .08; P4-S008 transition; P4-S009 legacy page; P4-S013 metadata.","C020 lookup claim removed from procedure row. July 13 metadata, stale page, and checklist remain open."],["15","Public general collector lookup","C008–C010","S_AL-P3-C010; S_AL-P4-C008","P4-S003 county issuance and municipal instruction.","No centralized §40-12-80 registry established; county/city checks remain necessary."],["16","Public ACCA lookup","C020","S_AL-P3-C020; S_AL-P4-C011","P4-S016 NMLS Consumer Access and BOL fields.","Procedure established; no entity searched."],["17","Attorney authority lookup","C025–C026","S_AL-P3-C025; S_AL-P4-C010","P4-S015 occupational license and member-search limitations.","C026 concerns federal attorney coverage, not authority lookup, and is removed."],["18","Corporate qualification","C021–C022","S_AL-P4-C009","P4-S014 foreign-corporation procedure and entity records.","Farmer claims were unrelated. Whether remote conduct is “transacting business” remains held."],["19","Federal consumer-purpose boundary","C028","S_AL-P3-C028","Original PASS-03 federal statutory sources unchanged.","No P4 substantive correction."],["20","Original creditor federal status","C029–C031","S_AL-P3-C029–C031","Original federal sources unchanged.","No P4 substantive correction."],["21","Debt-buyer federal status","C030–C033","S_AL-P3-C030–C033; S_AL-P4-C013–C014","P4-S012 Henson slip/PDF pages; P4-S011 footnote 5 exact page.","Only pagination corrected; prong analysis unchanged."],["22","Servicer before/after default","C030, C034","S_AL-P3-C030; S_AL-P3-C034; S_AL-P4-C013","P4-S011 printed/PDF p. 4 and fn. 5 printed/PDF p. 8.","Factual and legal conditions unchanged."],["23","Attorney collection and foreclosure boundary","C035–C036","S_AL-P3-C035–C036","Original PASS-03 judicial sources unchanged.","No P4 substantive correction."],["24","Fiduciary exclusion","C037","S_AL-P3-C037","Original Harris source unchanged.","No P4 correction."],["25","Full subsequent history","C039","S_AL-P3-C039","Original case set unchanged.","Still partial; no new citator/docket project."],["26","Municipal collection or business-license law","C005, C010","S_AL-P4-C008","P4-S003 lines 139–142; P4-S002 methodology.","Old claims were state/county arithmetic and charter search. Full local variation remains open."],["27","Tribal law and jurisdiction","—","No claim assigned.","No nation-specific source read.","Excluded; remains entirely open."],["28","Communication frequency, contact times and channel restrictions","C018","S_AL-P3-C018; S_AL-P4-C005","P4-S006 opening clause; detailed items not adopted into this pass.","Still excluded as a separate conduct pass; Rule .07 applies to licensees."],["29","Validation, disputes and credit reporting","—","No claim assigned.","No applicable source read in this correction.","Excluded; remains open."],["30","Limitations, revival and time-barred debt","—","No claim assigned.","No applicable source read.","Excluded; remains open."],["31","Lawsuits, standing, proof, judgments and garnishment","C035 only","S_AL-P3-C025; S_AL-P3-C035","P4-S015 for professional authority; original attorney-FDCPA source for litigation coverage.","Supports only attorney authority and federal litigation coverage—not standing, evidence, judgments, garnishment, or procedure."],["32","Exemptions from execution and garnishment","—","No claim assigned.","No applicable source read.","Excluded; remains open."],["33","Secured debt, repossession and foreclosure substance","C006, C036","S_AL-P3-C036; S_AL-P4-C017","P4-S002 repossession interpretation; original foreclosure source for federal boundary.","Arithmetic C006 removed. Alabama repossession/foreclosure substance remains excluded."],["34","Remedies, damages and enforcement","—","No claim assigned.","No applicable source read.","Excluded; remains open."],["35","Contracts, assignment validity and chain of title","C012, C021–C023","S_AL-P3-C012; S_AL-P3-C021–C023; S_AL-P4-C015","P4-S005 Rule .01; prior Farmer source; no contracts reviewed.","Claims support classification dependencies only, not validity, transfer proof, or chain-of-title merits."],["36","PASS-01/PASS-02 provider-access, fee, transmission and UPL holds","C040","S_AL-P3-C040","Scope boundary only.","All earlier holds remain preserved and unaccepted."],["37","Alabama, component, or A066 acceptance","“All limitations above”","S_AL-P3-C040; S_AL-P4-C001–C017","Entire PASS-04 correction record.","No state, component, A066, parent, publication, or operational acceptance."]]},{"headers":["Corrected component","PASS-04 disposition","Exact remaining gap / next evidence"],"index":6,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Corrected component","PASS-04 disposition","Exact remaining gap / next evidence"],["Official current §§40-12-80 and 40-12-2","Current-text claim withdrawn and replaced with a hold.","Obtain readable official full text, history, Act 2001-454, effective clause, and subsequent amendment chain."],["Official current §§5-19-1 and 5-19-22","Current-text claim withdrawn. The 2025 mirrors remain secondary only.","Obtain readable official complete text and reconcile Act 96-576 and later amendments."],["ALDOR handbook pagination","Corrected completely.","No further page-label work required unless a newer handbook replaces the October 2022 edition."],["ALDOR remote/agent/repossession interpretations","Verified as October 2022 agency guidance.","Controlling adjudication, formal interpretation, or current official statute remains missing; online-only treatment remains open."],["Rule .01 direct source","Resolved. Exact current PDF, paragraphs, and history verified.","Do not extend its older exemption list beyond its own text; current statute remains held."],["Rule .07 direct source","Resolved.","Detailed conduct analysis remains a later pass."],["Rule .08 direct source","Direct PDF and agency index verified as stating Sept. 1, 2026.","Explain or reconcile the separate July 13 publication-history metadata; retrieve exact NMLS checklist package."],["Current versus legacy application procedure","Current NMLS route identified; old mail page confirmed still online.","Formal status or withdrawal of legacy page remains unverified."],["Glover/Booze pagination","Corrected.","No broader subsequent-history work requested or completed."],["Henson pagination","Corrected.","No substantive change."],["Seven example references","All seven corrected.","Every original factual/entity-specific hold remains."],["Thirty-seven coverage references","All 37 audited and corrected.","“Answered” or a corrected citation is not coordinator acceptance and does not close underlying substantive gaps."],["Numerical outputs","No change.","Current legal applicability of the §40 amounts still depends on the unread official current codification and actual place/entity facts."],["Public authority lookups","Procedures identified and reference errors corrected.","No named entity, branch, attorney, county record, or municipality was searched."],["Corporate qualification","Correct authoritative procedure substituted for unrelated Farmer claims.","Actual foreign-entity nexus and statutory exceptions remain open."],["Municipal, county, and tribal variation","Preserved as partial/excluded.","Actual county/city and nation-specific law must be researched when locations/entities are known."],["Commercial-only, debt-buyer, servicer, and online boundaries","No substantive closure.","Exact current statutes, controlling Alabama interpretations, actual contracts, ownership, default timing, and location/agent facts remain required."],["Earlier debtor-side fee, UPL, transmission, forms, and case-history holds","Unchanged.","PASS-04 supplies no cross-component authorization or acceptance."]]}],"claims":[{"claim_id":"S_AL-P4-C001","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AL-P4-C001","Precise corrective assertion":"PASS-03 did not verify complete current official text for §§40-12-80, 40-12-2, 5-19-1, or 5-19-22. The official URLs returned navigation shells; indexed excerpts were discovery only.","Sources and exact pinpoints":"S001, all four routes.","Conditions, limits, and confidence":"High access finding. No inference about the missing text’s contents or amendment status."},"coordinator_verification_status":"not_yet_checked"},{"claim_id":"S_AL-P4-C002","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AL-P4-C002","Precise corrective assertion":"ALDOR currently links an October 2022 handbook that reproduces §40-12-80 wording and operational interpretations. It is dated guidance, not verified 2026 codification.","Sources and exact pinpoints":"S002, methodology printed 2/PDF 4/zero 3; collection printed 41/PDF 43/zero 42; S003 lines 139–142.","Conditions, limits, and confidence":"High document-status finding. Do not elevate the “Interpretations” to a formal rule or court holding."},"coordinator_verification_status":"not_yet_checked"},{"claim_id":"S_AL-P4-C003","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AL-P4-C003","Precise corrective assertion":"The $151 and $38.50 totals, 50% county component, $1 fee, per-place treatment, and quoted §40-12-80 trigger are supported as October 2022 ALDOR handbook content; their status as complete current statutory text remains held.","Sources and exact pinpoints":"S002 collection page and methodology.","Conditions, limits, and confidence":"Arithmetic remains correct. Act 2001-454 and the full §40-12-2/§40-12-80 amendment chain remain unverified."},"coordinator_verification_status":"not_yet_checked"},{"claim_id":"S_AL-P4-C004","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AL-P4-C004","Precise corrective assertion":"Current Rule 155-2-2-.01 requires a license for each proposed location before making consumer loans or taking assignments of consumer-credit contracts unless exempt, requires an application, and requires at least $25,000 tangible net worth/capital.","Sources and exact pinpoints":"S005 ¶¶(1), (4)–(6).","Conditions, limits, and confidence":"High current-rule evidence. Does not establish every current statutory location or entity exception."},"coordinator_verification_status":"not_yet_checked"},{"claim_id":"S_AL-P4-C005","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AL-P4-C005","Precise corrective assertion":"Rule 155-2-2-.07 regulates collection procedures and practices “by a licensee”; it is not a general collection-agency licensing rule.","Sources and exact pinpoints":"S006 opening clause and history.","Conditions, limits, and confidence":"High. Detailed conduct remains outside this correction pass."},"coordinator_verification_status":"not_yet_checked"},{"claim_id":"S_AL-P4-C006","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AL-P4-C006","Precise corrective assertion":"Current Rule 155-2-1-.08 requires all Bureau of Loans applications, renewals, amendments, and annual reports to be submitted through NMLS and states an effective date of September 1, 2026.","Sources and exact pinpoints":"S004 lines 31–38; S007 ¶(1) and history.","Conditions, limits, and confidence":"High for what the direct rule and agency index state."},"coordinator_verification_status":"not_yet_checked"},{"claim_id":"S_AL-P4-C007","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AL-P4-C007","Precise corrective assertion":"The current forms page implements a Sept. 1–Dec. 31, 2026 NMLS transition and new Non-Mortgage Consumer Credit terminology. A legacy mail page remains online. The July 13 metadata entry and exact NMLS checklist package are unresolved.","Sources and exact pinpoints":"S008 lines 3–5, 24–30; S009 line 11; S013 indexed metadata.","Conditions, limits, and confidence":"No conclusion that the conflicting material has been formally withdrawn or superseded in every context."},"coordinator_verification_status":"not_yet_checked"},{"claim_id":"S_AL-P4-C008","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AL-P4-C008","Precise corrective assertion":"ALDOR directs businesses to county probate judges or license commissioners for state/county privilege licenses and separately directs municipal-license checks. No centralized statewide §40-12-80 authorization registry was established in this pass.","Sources and exact pinpoints":"S003 lines 139–142; S002 methodology.","Conditions, limits, and confidence":"High procedure / bounded lookup result. Individual county and city records remain later checks."},"coordinator_verification_status":"not_yet_checked"},{"claim_id":"S_AL-P4-C009","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AL-P4-C009","Precise corrective assertion":"Alabama Secretary of State foreign qualification and entity records are separate corporate procedures, not collection authority. Whether particular remote conduct constitutes “transacting business” remains unresolved.","Sources and exact pinpoints":"S014.","Conditions, limits, and confidence":"High procedural distinction; held application."},"coordinator_verification_status":"not_yet_checked"},{"claim_id":"S_AL-P4-C010","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AL-P4-C010","Precise corrective assertion":"Alabama Bar occupational status and the public member search are the appropriate procedural starting points for attorney authority, subject to the search page’s discipline-history and self-reported-practice limitations.","Sources and exact pinpoints":"S015.","Conditions, limits, and confidence":"No named attorney or firm was searched or cleared."},"coordinator_verification_status":"not_yet_checked"},{"claim_id":"S_AL-P4-C011","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AL-P4-C011","Precise corrective assertion":"NMLS Consumer Access and the Banking Department BOL search provide public financial-license verification procedures; they do not replace county §40-12-80 records or establish a named entity’s status without an actual search.","Sources and exact pinpoints":"S016; S003.","Conditions, limits, and confidence":"No named-entity search conducted."},"coordinator_verification_status":"not_yet_checked"},{"claim_id":"S_AL-P4-C012","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AL-P4-C012","Precise corrective assertion":"Correct ALDOR handbook page labels are: methodology printed 2/PDF 4/zero 3; collection agencies printed 41/PDF 43/zero 42.","Sources and exact pinpoints":"S002.","Conditions, limits, and confidence":"Replaces ambiguous PASS-03 “p. 3” and “p. 42” labels."},"coordinator_verification_status":"not_yet_checked"},{"claim_id":"S_AL-P4-C013","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AL-P4-C013","Precise corrective assertion":"Glover/Booze servicing-after-default facts are at printed/PDF p. 4, zero 3. Footnote 5 is at printed/PDF p. 8, zero 7—not “p. 7 n.5.”","Sources and exact pinpoints":"S011.","Conditions, limits, and confidence":"Substantive holding unchanged; no expanded history check."},"coordinator_verification_status":"not_yet_checked"},{"claim_id":"S_AL-P4-C014","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AL-P4-C014","Precise corrective assertion":"Henson citations must distinguish slip pagination from PDF pagination: relevant material at slip pp. 2–3 corresponds to one-based PDF pp. 4–5 and zero-index pp. 3–4.","Sources and exact pinpoints":"S012.","Conditions, limits, and confidence":"Substantive holding unchanged."},"coordinator_verification_status":"not_yet_checked"},{"claim_id":"S_AL-P4-C015","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AL-P4-C015","Precise corrective assertion":"Rule .01 independently supports per-location licensing and the $25,000 requirement, but broader remote-location and record-location provisions in PASS-03 came from a 2025 secondary mirror and remain currentness-qualified.","Sources and exact pinpoints":"S005 ¶¶(1), (5); S010 §5-19-22(a).","Conditions, limits, and confidence":"Act 96-576 and full current statutory chain remain held."},"coordinator_verification_status":"not_yet_checked"},{"claim_id":"S_AL-P4-C016","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AL-P4-C016","Precise corrective assertion":"Rule .01(3) specifically lists state or federal banks, trust companies, savings/building and loan associations, savings banks and other thrift institutions, credit unions, and life-insurance companies, and denies those exemptions to their consumer-finance subsidiaries.","Sources and exact pinpoints":"S005 ¶(3).","Conditions, limits, and confidence":"Do not infer this older rule list is identical to every entity exception in the 2025 mirror or a current unread statute."},"coordinator_verification_status":"not_yet_checked"},{"claim_id":"S_AL-P4-C017","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AL-P4-C017","Precise corrective assertion":"The handbook’s repossession interpretation says repossession-only agents are outside §40-12-80, but soliciting collection claims while repossessing can bring the employer within the section.","Sources and exact pinpoints":"S002, collection page, final interpretation bullets.","Conditions, limits, and confidence":"October 2022 agency interpretation only; not verified statutory text or controlling case law."},"coordinator_verification_status":"not_yet_checked"}],"sources":[{"source_id":"S_AL-P4-S001","urls":["https://alison.legislature.state.al.us/code-of-alabama?section=40-12-80&title=40","https://alison.legislature.state.al.us/code-of-alabama?section=40-12-2","https://alison.legislature.state.al.us/code-of-alabama?section=5-19-1","https://alison.legislature.state.al.us/code-of-alabama?section=5-19-22"],"researcher_record":{"Source ID":"S_AL-P4-S001","Title, issuer, and direct literal URL":"Alabama Legislature Code viewer routes: https://alison.legislature.state.al.us/code-of-alabama?section=40-12-80&title=40 https://alison.legislature.state.al.us/code-of-alabama?section=40-12-2 https://alison.legislature.state.al.us/code-of-alabama?section=5-19-1 https://alison.legislature.state.al.us/code-of-alabama?section=5-19-22","Exact passage, version, effectivity, and page labels":"Each requested section URL opened to a 58-line navigation shell. No complete section text, amendment history, version stamp, or codification currency was readable.","Actual access status, jurisdiction, and limits":"F for operative text; D only. Official Alabama host, accessed Oct. 24, 2026. Search-indexed excerpts were not elevated to operative text. Act 2001-454, Act 96-576, and the complete amendment chains remain held. \nAlabama Legislature\n+3"},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_AL-P4-S002","urls":["https://www.revenue.alabama.gov/wp-content/uploads/2022/03/201008_HandbookPrivStoreLicences_revOct20.pdf"],"researcher_record":{"Source ID":"S_AL-P4-S002","Title, issuer, and direct literal URL":"ALDOR, Handbook of Privilege and Store Licenses: https://www.revenue.alabama.gov/wp-content/uploads/2022/03/201008_HandbookPrivStoreLicences_revOct20.pdf","Exact passage, version, effectivity, and page labels":"Dated October 2022. Methodology: printed p. 2 / one-based PDF p. 4 / zero-index 3. Collection Agencies: printed p. 41 / one-based PDF p. 43 / zero-index 42. Collection page reproduces §40-12-80 wording, $151/$38.50 totals, per-place rule, remote/no-agent interpretation, Alabama-agent examples, and repossession distinction.","Actual access status, jurisdiction, and limits":"R/S. Official agency guidance currently linked by ALDOR. It identifies some following material as “Interpretations.” It is not verified current official statutory codification, an adopted rule, or a controlling judgment. Collection-page screenshot repeatedly returned a cache miss, but the PDF text and pagination were read. \nAlabama Department of Revenue\n+3"},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_AL-P4-S003","urls":["https://www.revenue.alabama.gov/business-license/business-privilege-tax/"],"researcher_record":{"Source ID":"S_AL-P4-S003","Title, issuer, and direct literal URL":"ALDOR, “Business Privilege License”: https://www.revenue.alabama.gov/business-license/business-privilege-tax/","Exact passage, version, effectivity, and page labels":"Lines 139–142: Title 40, Chapter 12 privilege-license description; state/county licenses issued by county probate judge or license commissioner; generally required in each county unless otherwise provided; ALDOR does not administer municipal licenses; current handbook link.","Actual access status, jurisdiction, and limits":"R. Official current operational page, accessed Oct. 24, 2026. It supports procedure, not the complete text or currentness of any specific Code section. \nAlabama Department of Revenue"},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_AL-P4-S004","urls":["https://banking.alabama.gov/bol/bol-regulations/"],"researcher_record":{"Source ID":"S_AL-P4-S004","Title, issuer, and direct literal URL":"Alabama State Banking Department, “BOL Regulations”: https://banking.alabama.gov/bol/bol-regulations/","Exact passage, version, effectivity, and page labels":"Identifies the page as “Current Regulations”; links Rule .08 with “Effective: September 1, 2026,” Rule .01 with “Amended: January 1, 2020,” and Rule .07 with “Amended: August 1, 2002.”","Actual access status, jurisdiction, and limits":"R. Official agency current-regulations index. Direct PDFs were separately opened and read as S005–S007. \nAlabama State Banking Department"},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_AL-P4-S005","urls":["https://banking.alabama.gov/wp-content/uploads/2023/06/155_2_2_.01_Licensing.pdf"],"researcher_record":{"Source ID":"S_AL-P4-S005","Title, issuer, and direct literal URL":"Rule 155-2-2-.01, Licensing — Alabama Consumer Credit Act: https://banking.alabama.gov/wp-content/uploads/2023/06/155_2_2_.01_Licensing.pdf","Exact passage, version, effectivity, and page labels":"One-page rule. ¶(1): license for each proposed location before making consumer loans or taking assignments of consumer-credit contracts unless exempt. ¶(3): enumerated institutional exemptions do not extend to consumer-finance subsidiaries. ¶¶(4)–(6): application, minimum $25,000 tangible net worth/capital, and fees. History: effective Oct. 1, 1997; amended Jan. 1, 2020.","Actual access status, jurisdiction, and limits":"R/S. Official current-rule PDF linked by S004. The rule does not establish that its older enumerated institutional list is identical to every exception in a later statutory version. \nAlabama State Banking Department\n+3"},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_AL-P4-S006","urls":["https://banking.alabama.gov/wp-content/uploads/2023/06/155_2_2_07.pdf"],"researcher_record":{"Source ID":"S_AL-P4-S006","Title, issuer, and direct literal URL":"Rule 155-2-2-.07, Restricted Activities — Alabama Consumer Credit Act: https://banking.alabama.gov/wp-content/uploads/2023/06/155_2_2_07.pdf","Exact passage, version, effectivity, and page labels":"One-page rule. Opening clause applies collection procedures and practices “by a licensee.” Lists six unreasonable tactics. History: amended Aug. 1, 2002.","Actual access status, jurisdiction, and limits":"R/S. Official current-rule PDF. It regulates collection practices of an ACCA licensee; it is not a general collection-agency licensing provision. \nAlabama State Banking Department\n+1"},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_AL-P4-S007","urls":["https://banking.alabama.gov/wp-content/uploads/2026/07/155-2-1-.08-Original-Application-Forms-Renewal-Forms-Amendments-and-Annual-Reports.pdf"],"researcher_record":{"Source ID":"S_AL-P4-S007","Title, issuer, and direct literal URL":"Rule 155-2-1-.08, Original Application Forms, Renewal Forms, Amendments, and Annual Reports: https://banking.alabama.gov/wp-content/uploads/2026/07/155-2-1-.08-Original-Application-Forms-Renewal-Forms-Amendments-and-Annual-Reports.pdf","Exact passage, version, effectivity, and page labels":"¶(1): all Bureau of Loans original applications, renewals, amendments, and annual reports must be submitted through NMLS. History line: Effective September 1, 2026.","Actual access status, jurisdiction, and limits":"R/S. Official current-rule PDF linked by S004. The separate July 13 metadata entry remains unexplained. \nAlabama State Banking Department\n+1"},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_AL-P4-S008","urls":["https://banking.alabama.gov/bol/bol-forms-and-apps/"],"researcher_record":{"Source ID":"S_AL-P4-S008","Title, issuer, and direct literal URL":"Alabama State Banking Department, “BOL Forms and Applications”: https://banking.alabama.gov/bol/bol-forms-and-apps/","Exact passage, version, effectivity, and page labels":"Lines 3–5: NMLS use for all license types beginning Sept. 1 and “Non-Mortgage Consumer Credit Act Original License Application” terminology. Lines 24–30: Sept. 1–Dec. 31, 2026 transition period; transitioned expiration to Dec. 31, 2027; existing non-mortgage Consumer Credit licensees move to the new license type.","Actual access status, jurisdiction, and limits":"R. Official current operational instructions. Does not itself establish the full statutory coverage of the new license type. \nAlabama State Banking Department\n+2"},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_AL-P4-S009","urls":["https://banking.alabama.gov/bol/bol-forms-and-apps/bol_acca_apps/acca-original/"],"researcher_record":{"Source ID":"S_AL-P4-S009","Title, issuer, and direct literal URL":"Legacy “ACCA Original License Application Package”: https://banking.alabama.gov/bol/bol-forms-and-apps/bol_acca_apps/acca-original/","Exact passage, version, effectivity, and page labels":"Line 11 says all original applications must be printed and mailed, one per Alabama office.","Actual access status, jurisdiction, and limits":"R, but current applicability unresolved. The page remains online and conflicts with current Rule .08 and S008. It is not treated as the governing 2026 procedure. \nAlabama State Banking Department"},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_AL-P4-S010","urls":["https://law.justia.com/codes/alabama/title-5/chapter-19/section-5-19-1/","https://law.justia.com/codes/alabama/title-5/chapter-19/section-5-19-22/"],"researcher_record":{"Source ID":"S_AL-P4-S010","Title, issuer, and direct literal URL":"Justia 2025 reproductions: https://law.justia.com/codes/alabama/title-5/chapter-19/section-5-19-1/ https://law.justia.com/codes/alabama/title-5/chapter-19/section-5-19-22/","Exact passage, version, effectivity, and page labels":"§5-19-1: “consumer” and “creditor,” lines 67–69. §5-19-22: activities, institutional and seller exceptions, and location provisions, lines 60–72. Both are expressly labeled 2025.","Actual access status, jurisdiction, and limits":"R, secondary mirror only. Justia expressly warns that the Code may not be the most recent version. No 2026 official-currentness promotion. Act 96-576 and later amendment chain remain held. \nJustia Law\n+3"},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_AL-P4-S011","urls":["https://media.ca11.uscourts.gov/opinions/pub/files/202312578.pdf"],"researcher_record":{"Source ID":"S_AL-P4-S011","Title, issuer, and direct literal URL":"Glover/Booze v. Ocwen Loan Servicing, LLC, Eleventh Circuit: https://media.ca11.uscourts.gov/opinions/pub/files/202312578.pdf","Exact passage, version, effectivity, and page labels":"Servicing-after-default facts: printed opinion p. 4 / one-based PDF p. 4 / zero-index 3. Footnote 5: printed opinion p. 8 / one-based PDF p. 8 / zero-index 7. The footnote explains “any debts” by citing Davidson.","Actual access status, jurisdiction, and limits":"R/S. Official published Eleventh Circuit opinion filed Feb. 4, 2025. No new docket or subsequent-history project undertaken. \n11th Circuit Court\n+3"},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_AL-P4-S012","urls":["https://www.supremecourt.gov/opinions/16pdf/16-349_c07d.pdf"],"researcher_record":{"Source ID":"S_AL-P4-S012","Title, issuer, and direct literal URL":"Henson v. Santander Consumer USA Inc., U.S. Supreme Court: https://www.supremecourt.gov/opinions/16pdf/16-349_c07d.pdf","Exact passage, version, effectivity, and page labels":"Opinion begins at slip p. 1 / one-based PDF p. 3 / zero-index 2. Own-account purchaser discussion is at slip p. 2 / PDF p. 4 / zero-index 3. Principal-purpose and third-party theories expressly left open at slip p. 3 / PDF p. 5 / zero-index 4.","Actual access status, jurisdiction, and limits":"R/S. Official Supreme Court slip opinion dated June 12, 2017. “Slip pages” must not be confused with whole-file PDF pages because two syllabus pages precede the opinion. \nSupreme Court\n+4"},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_AL-P4-S013","urls":["https://admincode.legislature.state.al.us/administrative-code/155-2-1-.08"],"researcher_record":{"Source ID":"S_AL-P4-S013","Title, issuer, and direct literal URL":"Alabama Administrative Code Rule .08 route: https://admincode.legislature.state.al.us/administrative-code/155-2-1-.08","Exact passage, version, effectivity, and page labels":"Rendered page returned a JavaScript-only shell. Indexed official-page content states history “effective September 1, 2026,” but separately displays “Certified New Rule … Effective Jul 13, 2026.”","Actual access status, jurisdiction, and limits":"F for rendered operative page; D for indexed metadata. The discrepancy was not resolved. The direct agency PDF and current-regulations page establish what they themselves state, but do not explain the July 13 entry. \nAlabama Administrative Code\n+1"},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_AL-P4-S014","urls":["https://www.sos.alabama.gov/business-entities/foreign-corporations","https://www.sos.alabama.gov/government-records/business-entity-records"],"researcher_record":{"Source ID":"S_AL-P4-S014","Title, issuer, and direct literal URL":"Alabama Secretary of State: https://www.sos.alabama.gov/business-entities/foreign-corporations https://www.sos.alabama.gov/government-records/business-entity-records","Exact passage, version, effectivity, and page labels":"Foreign-corporation page says a certificate of authority is required before “transacting business” and gives filing procedure. Records page provides public entity-record access.","Actual access status, jurisdiction, and limits":"R. Official procedural evidence. It is not collection authority and does not resolve whether a particular remote collector is “transacting business.” \nAlabama Secretary of State\n+1"},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_AL-P4-S015","urls":["https://www.alabar.org/members/attorney-licensing/","https://members.alabar.org/Member_Portal/Member_Portal/Member-Search.aspx"],"researcher_record":{"Source ID":"S_AL-P4-S015","Title, issuer, and direct literal URL":"Alabama State Bar: https://www.alabar.org/members/attorney-licensing/ https://members.alabar.org/Member_Portal/Member_Portal/Member-Search.aspx","Exact passage, version, effectivity, and page labels":"Licensing page: occupational license required for private practice; special membership is for a lawyer not actively practicing privately. Search interface lists name, firm, city/county and other fields; displayed discipline begins Jan. 2018; practice areas are self-reported and unverified.","Actual access status, jurisdiction, and limits":"R. Official procedure and lookup. No attorney or law firm searched. \nAlabama State Bar\n+1"},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_AL-P4-S016","urls":["https://banking.alabama.gov/verify-service-providers/","https://apps.banking.alabama.gov/LicenseesBOL.aspx"],"researcher_record":{"Source ID":"S_AL-P4-S016","Title, issuer, and direct literal URL":"Alabama State Banking Department lookups: https://banking.alabama.gov/verify-service-providers/ https://apps.banking.alabama.gov/LicenseesBOL.aspx","Exact passage, version, effectivity, and page labels":"NMLS Consumer Access is presented as a free authorization-verification service. The BOL search accepts license type, number, company, and city.","Actual access status, jurisdiction, and limits":"R. Official lookup procedures. No named company or guessed entity searched. \nAlabama State Banking Department\n+1"},"coordinator_verification_status":"not_yet_checked"}],"coverage":[{"topic":"Official current §§40-12-80 and 40-12-2","researcher_record":{"Corrected component":"Official current §§40-12-80 and 40-12-2","PASS-04 disposition":"Current-text claim withdrawn and replaced with a hold.","Exact remaining gap / next evidence":"Obtain readable official full text, history, Act 2001-454, effective clause, and subsequent amendment chain."},"coordinator_acceptance":"not_yet_reviewed"},{"topic":"Official current §§5-19-1 and 5-19-22","researcher_record":{"Corrected component":"Official current §§5-19-1 and 5-19-22","PASS-04 disposition":"Current-text claim withdrawn. The 2025 mirrors remain secondary only.","Exact remaining gap / next evidence":"Obtain readable official complete text and reconcile Act 96-576 and later amendments."},"coordinator_acceptance":"not_yet_reviewed"},{"topic":"ALDOR handbook pagination","researcher_record":{"Corrected component":"ALDOR handbook pagination","PASS-04 disposition":"Corrected completely.","Exact remaining gap / next evidence":"No further page-label work required unless a newer handbook replaces the October 2022 edition."},"coordinator_acceptance":"not_yet_reviewed"},{"topic":"ALDOR remote/agent/repossession interpretations","researcher_record":{"Corrected component":"ALDOR remote/agent/repossession interpretations","PASS-04 disposition":"Verified as October 2022 agency guidance.","Exact remaining gap / next evidence":"Controlling adjudication, formal interpretation, or current official statute remains missing; online-only treatment remains open."},"coordinator_acceptance":"not_yet_reviewed"},{"topic":"Rule .01 direct source","researcher_record":{"Corrected component":"Rule .01 direct source","PASS-04 disposition":"Resolved. Exact current PDF, paragraphs, and history verified.","Exact remaining gap / next evidence":"Do not extend its older exemption list beyond its own text; current statute remains held."},"coordinator_acceptance":"not_yet_reviewed"},{"topic":"Rule .07 direct source","researcher_record":{"Corrected component":"Rule .07 direct source","PASS-04 disposition":"Resolved.","Exact remaining gap / next evidence":"Detailed conduct analysis remains a later pass."},"coordinator_acceptance":"not_yet_reviewed"},{"topic":"Rule .08 direct source","researcher_record":{"Corrected component":"Rule .08 direct source","PASS-04 disposition":"Direct PDF and agency index verified as stating Sept. 1, 2026.","Exact remaining gap / next evidence":"Explain or reconcile the separate July 13 publication-history metadata; retrieve exact NMLS checklist package."},"coordinator_acceptance":"not_yet_reviewed"},{"topic":"Current versus legacy application procedure","researcher_record":{"Corrected component":"Current versus legacy application procedure","PASS-04 disposition":"Current NMLS route identified; old mail page confirmed still online.","Exact remaining gap / next evidence":"Formal status or withdrawal of legacy page remains unverified."},"coordinator_acceptance":"not_yet_reviewed"},{"topic":"Glover/Booze pagination","researcher_record":{"Corrected component":"Glover/Booze pagination","PASS-04 disposition":"Corrected.","Exact remaining gap / next evidence":"No broader subsequent-history work requested or completed."},"coordinator_acceptance":"not_yet_reviewed"},{"topic":"Henson pagination","researcher_record":{"Corrected component":"Henson pagination","PASS-04 disposition":"Corrected.","Exact remaining gap / next evidence":"No substantive change."},"coordinator_acceptance":"not_yet_reviewed"},{"topic":"Seven example references","researcher_record":{"Corrected component":"Seven example references","PASS-04 disposition":"All seven corrected.","Exact remaining gap / next evidence":"Every original factual/entity-specific hold remains."},"coordinator_acceptance":"not_yet_reviewed"},{"topic":"Thirty-seven coverage references","researcher_record":{"Corrected component":"Thirty-seven coverage references","PASS-04 disposition":"All 37 audited and corrected.","Exact remaining gap / next evidence":"“Answered” or a corrected citation is not coordinator acceptance and does not close underlying substantive gaps."},"coordinator_acceptance":"not_yet_reviewed"},{"topic":"Numerical outputs","researcher_record":{"Corrected component":"Numerical outputs","PASS-04 disposition":"No change.","Exact remaining gap / next evidence":"Current legal applicability of the §40 amounts still depends on the unread official current codification and actual place/entity facts."},"coordinator_acceptance":"not_yet_reviewed"},{"topic":"Public authority lookups","researcher_record":{"Corrected component":"Public authority lookups","PASS-04 disposition":"Procedures identified and reference errors corrected.","Exact remaining gap / next evidence":"No named entity, branch, attorney, county record, or municipality was searched."},"coordinator_acceptance":"not_yet_reviewed"},{"topic":"Corporate qualification","researcher_record":{"Corrected component":"Corporate qualification","PASS-04 disposition":"Correct authoritative procedure substituted for unrelated Farmer claims.","Exact remaining gap / next evidence":"Actual foreign-entity nexus and statutory exceptions remain open."},"coordinator_acceptance":"not_yet_reviewed"},{"topic":"Municipal, county, and tribal variation","researcher_record":{"Corrected component":"Municipal, county, and tribal variation","PASS-04 disposition":"Preserved as partial/excluded.","Exact remaining gap / next evidence":"Actual county/city and nation-specific law must be researched when locations/entities are known."},"coordinator_acceptance":"not_yet_reviewed"},{"topic":"Commercial-only, debt-buyer, servicer, and online boundaries","researcher_record":{"Corrected component":"Commercial-only, debt-buyer, servicer, and online boundaries","PASS-04 disposition":"No substantive closure.","Exact remaining gap / next evidence":"Exact current statutes, controlling Alabama interpretations, actual contracts, ownership, default timing, and location/agent facts remain required."},"coordinator_acceptance":"not_yet_reviewed"},{"topic":"Earlier debtor-side fee, UPL, transmission, forms, and case-history holds","researcher_record":{"Corrected component":"Earlier debtor-side fee, UPL, transmission, forms, and case-history holds","PASS-04 disposition":"Unchanged.","Exact remaining gap / next evidence":"PASS-04 supplies no cross-component authorization or acceptance."},"coordinator_acceptance":"not_yet_reviewed"}],"annotations":{},"corrections":[],"resolved_corrections":[],"review_history":[]}