{"meta":{"key":"s_ar--pass-06","task":"S_AR","title":"Arkansas collection-agency classification, licensing, exemptions, security, and public procedure","parent_title":"Arkansas debt and debt relief law","edition":"pass-06","path":"/research/s_ar--pass-06/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-27","tables":25,"claims":90,"sources":40,"review_status":"scoped_coordinator_review_with_limits_no_material_correction_established","review_complete":true,"sha256":"0eb0980b8f457bd64ce760e8dfae690d2f4f54cb130ae19cd1d3f7af47af750d","headings":["Arkansas collection-agency classification, licensing, exemptions, security, and public procedure","Principal findings","A1. The four statutory activity branches","A2. Complete responsive § 17-24-102 exclusion inventory","A3. Remote activity and nonresident procedures","A4. Reciprocity is not automatic permission","B1. Agency, manager, employee, and location requirements","B2. Regulatory charges and security amounts","Collector-count limitations","B3. Grant, pending application, renewal, and lapse are different states","B4. Public workflow and clocks","C1. Penal sum, aggregate exposure, and cancellation","C2. Limited claim procedure","C3. A different security requirement for nonresident litigation","C4. Retroactive licensing and remedies: a retained conflict","D1. Four separate legal questions","D2. Published-opinion ledger","Model 1 / P01 — Regulatory cost, premium, and collateral","Model 2 / P02 — Verified bond tiers, with metric uncertainty isolated","Model 3 / P03 — Receipts, return, remittance, and remaining debt","Fourteen additional postures","Register conventions","F1. Enactments, rules, and agency report","F2. Arkansas Code reproductions","F3. Judicial decisions and federal definitions","F4. Failed routes, historical reproduction, and alternatives","G1. Actor, activity, and exclusions","G2. Licensing, charges, renewal, and procedure","G3. Security and receipt gateway","G4. Federal comparison and evidence limits","H1. Core coverage — 28 rows","H2. Currentness and authentication — 8 rows","H3. Model coverage — 3 rows","H4. Deferred families — 11 rows","H5. Individual county local-practice holds — 75 rows","Additional territorial and routing holds — 4 rows","H6. Exact P01 deferred-row crosswalk — 1 row"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_AR/pass-06","facets":{"geography":["us","us-ar"],"debt_type":["unknown"],"stage":["collection"],"subject":["definitions-classification","provider-licensing","exemptions-property"]},"scope":"Reviewed P01 remaining collection-agency actor/license/exemption/security/public-procedure gateway only","pending_corrections":0},"markdown":"# SettleADebt — S_AR PASS-06\n\n## Arkansas collection-agency classification, licensing, exemptions, security, and public procedure\n\n**Public-source access date:** October 27, 2026. Exact source-opening times were not logged and are **unknown**.\n\n**Provenance:** The original passes remain unchanged. The supplied coordinator-review history is not an independent review or a source-opening record. PASS-04 and PASS-05 were not used as legal premises. No local coordinator files were accessed or written.\n\n**Scope:** The ordinary collection-agency licensing gateway: covered actors and activities, exclusions, remote activity, licensing and renewal, regulatory charges, required security, and the limited public procedures needed to understand those requirements. No actual business’s authorization or exemption is determined.\n\n## Principal findings\n\n**Arkansas’s licensing definition expressly reaches a purchaser that buys delinquent accounts and attempts to collect them.** Hiring another collector or an attorney does not, by itself, remove the purchaser from that definition. The Arkansas Supreme Court decided that issue in *Simpson v. Cavalry SPV I, LLC* and rejected the contrary 2012 Board clarification presented in that case. **C002–C009, C021.** [Justia Law+1](https://law.justia.com/cases/arkansas/supreme-court/2014/cv-14-45-0.html)\n\n**The licensing provisions do not contain the federal FDCPA’s general personal, family, or household-purpose limitation.** Arkansas’s separate consumer-debt definitions in § 17-24-502 expressly operate within that subchapter. They should not silently narrow the licensing provisions in §§ 17-24-101 and 301. **C004, C076–C085.** [Justia Law+2](https://law.justia.com/codes/arkansas/title-17/subtitle-2/chapter-24/subchapter-5/section-17-24-502/)\n\n**The verified ordinary regulatory charges are $125 for the agency license and $20 for each covered employee’s registration, with the same charges at renewal.** The required surety bond is separate: the official rules prescribe $10,000, $20,000, or $25,000 according to collector count. The statute authorizes a $10,000–$50,000 range **for each location**. A penal sum is not the premium, collateral, a consumer charge, or each claimant’s guaranteed recovery. **C030–C034, C057–C070.** [Code of Arkansas Rules+2](https://codeofarrules.arkansas.gov/Rules/Rule?chapterID=178&levelType=section&partID=776&sectionID=27855&subChapterID=221&subPartID=4426&titleID=17)\n\n**A timely, sufficient renewal application can preserve an existing license under the Administrative Procedure Act.** The Board’s renewal rule cannot be read in isolation as proving that every application still pending after June 30 has lapsed. Conversely, an initial application, incomplete renewal, or merely paying a fee is not itself a license grant. **C037–C042.** [Justia Law+1](https://law.justia.com/codes/arkansas/title-25/chapter-15/subchapter-2/section-25-15-211/)\n\n**Public form access remains incomplete.** The Board’s forms, blank bond, retroactive application, and public lookup routes returned access errors. The official codified rules and official legislative materials were readable. Requirements stated below come from those bodies—not invented contents of an inaccessible application. **C056, C088–C090.**\n\nIn the tables, **S001** means **S_AR-P06-S001**, and **C001** means **S_AR-P06-C001**.\n\n# A. Actor, activity, nexus, and exemption matrix\n\n## A1. The four statutory activity branches\n\nThe displayed § 17-24-101, corroborated by Act 360 of 2023, identifies four collection-agency branches:\n\n1. Collecting delinquent accounts, bills, or indebtedness owed or asserted to be owed to another.\n2. Using a fictitious or other name to collect one’s own receivables.\n3. Soliciting claims for collection.\n4. Purchasing and attempting to collect delinquent accounts or bills.\n\nSection 17-24-301 supplies the corresponding licensing prohibition. The inquiry is functional: ownership, delinquency, collection attempts, solicitation, names used, and applicable exclusions—not a business’s preferred label. **C002–C006.** [Arkansas Legislature+1](https://arkleg.state.ar.us/Acts/FTPDocument?ddBienniumSession=2023%2F2023R&file=360.pdf&path=%2FACTS%2F2023R%2FPublic%2F)\n\n| Actor or model | Supported Arkansas licensing analysis | Conditions, adverse branch, and claim IDs |\n| --- | --- | --- |\n| Original creditor collecting a debt it originated, in its true own name | Generally outside the “another’s debt” and purchased-delinquent-account branches on those assumed facts. | This is a bounded textual classification, not a blanket express original-creditor exemption. Other-name collection or another covered activity changes the analysis. **C005–C006.** |\n| Creditor collecting its own receivables under another or fictitious name | Expressly addressed by the definition and license requirement. | Actual names and representations matter; ownership alone does not establish exclusion. **C006.** |\n| Purchaser of accounts already delinquent or in default | Purchase plus collection attempts falls within the statutory branch. | A purchase alone, with genuinely no collection attempt, presents a narrower unresolved posture. **C008–C009.** |\n| Purchaser of defaulted accounts that hires a licensed collector or law firm | *Simpson* holds that outsourcing does not eliminate the purchaser’s licensing obligation on that model. | The retained actor’s exemption or license is not automatically the purchaser’s exemption or license. **C008, C014, C021.** |\n| Purchaser of performing accounts | Section 102(a)(10) provides a conditional exclusion. | Valuable consideration; accounts not in default or delinquent at acquisition; subsequent collection in purchaser’s own name. Each predicate matters. **C007.** |\n| Passive investment owner with no collection activity or collection arrangement | Not resolved merely by calling it “passive.” | Hiring someone to collect was enough in *Simpson*. A genuinely inert ownership posture requires separate facts and authority. **C009.** |\n| Assignee without a genuine purchase | Assignment form alone does not establish the purchaser exclusion. | Determine beneficial ownership, consideration, default status, and whose debt is being collected. **C007–C010.** |\n| Servicing business | No general Arkansas licensing exclusion equivalent to the federal predefault-servicing exclusion was established. | Solicitation, delinquency, collection for another, and actual acquisition rights matter. **C010.** |\n| Affiliate collecting a related company’s accounts | No blanket affiliate exclusion appears in the licensing exclusions read. | A separate entity is not automatically a “regular employee of a single creditor.” Federal affiliate rules are different. **C011–C012.** |\n| Regular employee of one creditor | Express exclusion under § 102(a)(1). | The statutory wording is “regular employees of a single creditor”; a salary label alone does not establish employee status or the single-creditor condition. **C012.** |\n| Employee of a collection agency | Generally subject to the agency’s registration requirements when involved in collection activities. | Collectors, solicitors, and managers are expressly included. This is not the same as the single-creditor employee exclusion. **C031–C033.** |\n| Attorney collecting fees owed personally or to the firm | Express exclusion when using the attorney’s own name or firm name. | Does not automatically extend to a separate collection company. **C013.** |\n| Arkansas-licensed attorney rendering legal services for a client | Section 102(b) supplies a licensing-related exclusion on those conditions. | Attorney connection, branding, ownership, or nominal supervision is not enough by itself. **C014.** |\n| Fiduciary or escrow actor | No universal fiduciary licensing exemption was established. | A trust company, abstract company doing escrow business, or court-order handler may satisfy a specific exclusion. **C015–C018.** |\n| Business-only collector | Not excluded simply because debts are commercial. | State licensing text is broader than the federal consumer-debt definition. **C004.** |\n| Mixed consumer/business portfolio | Analyze state licensing and federal status separately. | Federal coverage can vary by debt; state licensing does not automatically disappear for the commercial portion. **C004, C076–C085.** |\n| Remote actor contacting or collecting Arkansas accounts | An out-of-state office is not a categorical safe harbor. | Section 401 and *Simpson* are material; exact digital, minimum-contact, and constitutional boundaries remain held. **C020–C022.** |\n| Debtor-side negotiator | A collection-agency license does not establish authority for debtor-side adjusting. | This pass supplies no debt-adjustment permission and does not reopen that separate dossier. **C085.** |\n\nThe original-creditor, servicing, affiliate, and inert-investment rows are intentionally narrower than an assertion that every such actor is either licensed or exempt.\n\n## A2. Complete responsive § 17-24-102 exclusion inventory\n\n| Provision | Excluded actor/activity stated in the text read | Required boundary |\n| --- | --- | --- |\n| (a)(1) | Regular employees of a single creditor | Actual employment and single-creditor relationship. |\n| (a)(2) | Banks | Actual institutional status; do not extend by analogy to every financial company. |\n| (a)(3) | Trust companies | Actual trust-company status. |\n| (a)(4) | Savings and loan associations | Actual institutional status. |\n| (a)(5) | Abstract companies doing an escrow business | Both actor and activity conditions. |\n| (a)(6) | Licensed real-estate brokers and agents | Claims must relate to their regular real-estate business. |\n| (a)(7) | Express and telegraph companies subject to public regulation and supervision | The stated regulated-entity condition. |\n| (a)(8) | Attorneys collecting amounts owed to themselves or their firms | Own name or firm name; not every attorney-associated entity. |\n| (a)(9)(A) | Persons and entities handling claims, accounts, or collections under a court order | An actual qualifying court order, not merely litigation involvement. |\n| (a)(9)(B) | Exception to the foregoing exclusion | Private child-support collection agencies outside Title IV-D are expressly subject to licensing. |\n| (a)(10) | Purchasers for value of accounts not delinquent/defaulted at acquisition | Collection in purchaser’s own name and acquisition-time status must be proved. |\n| (b) | Arkansas-licensed attorneys rendering legal services for clients | The exclusion concerns the enumerated licensing/fee provisions; it is not universal immunity. |\n| (c) | Specified real-property foreclosure activity | Foreclosure is outside this pass. The state provision’s reference to the federal definition as of January 1, 2005 is not a controlling declaration of all current federal law. |\n\nThere is no general nonprofit, affiliate, ordinary servicer, or generic fiduciary exclusion in this list. Nor was a blanket credit-union exemption established merely from the word “banks.” The precise scope of any other governing statute or federal preemption remains a separate question. **C012–C019.** [Justia Law](https://law.justia.com/codes/arkansas/title-17/subtitle-2/chapter-24/subchapter-1/section-17-24-102/)\n\n**Currentness qualification:** The full displayed 2025 § 102 was read. Act 1455 of 2009 supplies primary support for material language, but the later Act 386 of 2019, § 9, could not be retrieved through either official route attempted. The current mirror’s “this subchapter” wording in subsection (b) is therefore not represented as a fully reconstructed primary amendment chain.\n\n## A3. Remote activity and nonresident procedures\n\nSection 17-24-401 addresses an out-of-state collection agency’s solicitation or acceptance of collection business connected with Arkansas through mail, telephone, or similar means. Its consequences include the stated jurisdiction, licensing-fee, and service-agent provisions. It is not a reciprocal-license exemption. The related §§ 402–404 preserve jurisdictional objections and establish particular service and litigation-security mechanisms. **C020, C070.** [Justia Law+2](https://law.justia.com/codes/arkansas/title-17/subtitle-2/chapter-24/subchapter-4/section-17-24-401/)\n\n*Simpson* is particularly important because the court rejected the 2012 Board clarification that had treated certain out-of-state debt buyers using third-party collectors as exempt. The clarification was reproduced and rejected in the judicial body; its original administrative record was not separately obtained. **C021.** [law.justia.com](https://law.justia.com/cases/arkansas/supreme-court/2014/cv-14-45-0.html)\n\nThe exact treatment of a national website, isolated communication, remote home worker, out-of-state debtor who later moves, or an entity with no Arkansas-directed activity remains fact-dependent. No universal “one call always establishes jurisdiction” rule is supplied.\n\n## A4. Reciprocity is not automatic permission\n\nSection 17-1-108 applies its definition of “individual” to persons and entities. It directs licensing bodies to adopt least-restrictive reciprocity or endorsement procedures for qualifying holders of substantially similar, good-standing credentials, including a temporary/provisional license procedure of at least ninety days. It preserves generally applicable bond and financial requirements. **C023–C024.** [Justia Law](https://law.justia.com/codes/arkansas/title-17/subtitle-1/chapter-1/section-17-1-108/)\n\nThe Board’s actual rule is narrower in one important respect: § 280-201(b)(3) permits a qualifying out-of-state license to support waiver of the manager credit-report requirement. That waiver is not itself the Arkansas agency license, a bond waiver, or proof that every § 17-1-108 procedure has been implemented in a readable public form. **C025.** [Arkansas General Assembly](https://webftp.blr.arkansas.gov/Home/FTPDocument?path=CAR%2FParts%2F17CARpt280.pdf)\n\n# B. Licensing, charges, renewal, and public-procedure matrix\n\n## B1. Agency, manager, employee, and location requirements\n\nThe responsible regulator is the **State Board of Collection Agencies**, within the Arkansas Department of Labor and Licensing. The official codified rules identify the Board’s organizational placement and rulemaking authority. **C001.** [Code of Arkansas Rules](https://codeofarrules.arkansas.gov/Rules/Rule?chapterID=178&levelType=section&partID=776&sectionID=27853&subChapterID=221&subPartID=4425&titleID=17)\n\n| Requirement | Verified rule or statute | Limits |\n| --- | --- | --- |\n| Applicant qualifications | Section 302 specifies age conditions for individual applicants, partners, and the stated corporate manager/ownership alternatives. | Do not replace the statutory alternatives with an invented universal owner test. |\n| Law-enforcement restriction | Listed law-enforcement officers cannot be licensed to operate an agency or act as its collector. | Actual role must be established. |\n| Application | Written application containing Board-required information; the rule requires the director’s form and actual officer street addresses. | Inaccessible form fields and attachments are not reconstructed from the landing page. |\n| Manager | At least one registered manager; acceptable credit reputation and specified financial-history requirements. | Credit-report waiver is conditional; no private credit record was examined. |\n| Employees | Names, aliases, and hire dates; $20 registration for covered collection employees, including collectors, solicitors, and managers. | Registration within ninety days of hire and for each licensing period. |\n| Additional locations | Separate license and surety bond for each office or location. | Whether a particular remote home workspace is a separate location was not resolved. |\n| Ownership | License is nontransferable; transfer/sale of 50% or more of assets, stock, or equity requires prompt written notice. | Rule 203 also addresses termination on ownership transfer; 49% is not declared a universal safe harbor. |\n| Address | Timely notice of physical/mailing changes; bond must carry current physical address. | An unchanged old-address bond is not treated as automatically sufficient. |\n\n**C026–C036.** [Justia Law+2](https://law.justia.com/codes/arkansas/title-17/subtitle-2/chapter-24/subchapter-3/section-17-24-302/)\n\nThe manager criteria include specified five-year adverse-credit categories, more than three sixty-day-late payments during that period, and the rule’s broader financial-responsibility provision. Those criteria were read as rules; this report makes no judgment about an actual person’s eligibility.\n\n## B2. Regulatory charges and security amounts\n\n| Item | Verified amount or formula | Basis and qualification |\n| --- | --- | --- |\n| Agency licensing charge | **$125** | Section 305 supplies a ceiling; official Rule 201 fixes the required charge at $125. |\n| Renewal agency charge | **$125** | Rule 204 requires the same licensing charge. |\n| Covered employee registration | **$20 per employee per licensing period** | Includes covered managers and solicitors; annual registration requirement. |\n| Historical employee amount | Not the current $15 amount | Act 1023 expressly made the $20 amount effective September 1, 2013. |\n| Additional location | Separate license and bond | No separate additional “branch surcharge” was verified beyond those requirements. |\n| Investigation charge | **Exact additional charge not established** | Investigation authority does not itself establish a fixed fee. |\n| Late charge | **No fixed ordinary late-renewal charge verified** | Lapse, new-application treatment, and possible penalties are different from a verified late fee. |\n| Retroactive licensing | **$10,000 civil penalty**, plus satisfaction of other licensing requirements | Not the ordinary application charge and not prospective permission to operate unlicensed. |\n| Bond: up to five collectors | **$10,000 penal sum** | Rule 201(a)(2). |\n| Bond: six through twelve collectors | **$20,000 penal sum** | Same rule. |\n| Bond: more than twelve collectors | **$25,000 penal sum** | Same rule. |\n| Statutory bond range | **$10,000–$50,000 for each location** | Section 306; security subject to Board approval. |\n| Premium/collateral | **Not fixed by the reviewed government amounts** | Private surety pricing and collateral are separate. |\n| Indexing | **No CPI/indexing formula verified** | No inflation calculation is supplied. |\n\nThe 2025 Board report independently lists $125 annual licensing and $20 employee/manager charges, but that report supports administrative practice; it does not replace the statute or final rule. **C030–C034, C049, C057–C062.** [Arkansas Legislature+2](https://www.arkleg.state.ar.us/Home/FTPDocument?path=%2FAssembly%2FMeeting+Attachments%2F049%2F27611%2FExhibit+C1+--+Arkansas+State+Board+of+Collection+Agencies+Report.pdf)\n\n### Collector-count limitations\n\nThe rule uses **collector count**, not annual receipts, purchased face value, collections volume, or number of accounts. It defines “collector,” “manager,” and “solicitor” separately.\n\nThe materials read do not expressly settle every counting question: full-time equivalents versus persons, part-time staff, counting across locations, Arkansas-only versus total agency staff, a lookback period, a measurement date, or when a manager also counts as a collector. The models below therefore stipulate that the count has been correctly established. **C059–C060.**\n\n## B3. Grant, pending application, renewal, and lapse are different states\n\nThe renewal rule uses a March/January distinction:\n\n- Licenses issued **March 1–December 31** expire June 30 of the following year.\n- Licenses issued in **January or February** expire June 30 of that year.\n- Renewal requires updated application materials and the same licensing/employee charges.\n- The rule says failure to complete renewal by June 30 permits expiration treatment; a later licensing request is treated as a new application. Lack of a reminder is not an excuse. **C037–C040.** [Arkansas General Assembly](https://webftp.blr.arkansas.gov/Home/FTPDocument?path=CAR%2FParts%2F17CARpt280.pdf)\n\nTwo qualifications prevent overstatement:\n\n**Pending-renewal protection.** Section 25-15-211(b) preserves an existing license where a timely and sufficient renewal—or qualifying continuing-activity license application—has been made, through the agency determination and specified review period. This is not permission for an unlicensed first-time applicant. **C041–C042.** [Justia Law](https://law.justia.com/codes/arkansas/title-25/chapter-15/subchapter-2/section-25-15-211/)\n\n**Appeal-related continuation.** Section 17-24-308(c) contains a specific continuation provision for a license holder appealing specified adverse licensing action. The general APA judicial-review provision says filing a petition does not itself stay enforcement. Their exact application must be reconciled for the particular order and appeal; neither “all appeals preserve operation” nor “no appeal can preserve operation” is justified here. **C053–C055.** [Justia Law+1](https://law.justia.com/codes/arkansas/title-17/subtitle-2/chapter-24/subchapter-3/section-17-24-308/)\n\nNo actual expiration, renewal sufficiency, appeal deadline, or operating authorization is determined.\n\n## B4. Public workflow and clocks\n\nThis is also the **16-row workflow coverage register**.\n\n| Row | Actor/event | Step, clock, or effect | Authority / remaining issue |\n| --- | --- | --- | --- |\n| **W01** | Business selects model | Classify activity, ownership, delinquency, names, and exclusions before assuming license need or exemption. | C002–C022; actual facts absent. |\n| **W02** | Applicant prepares submission | Use director’s form; provide required information, manager, bond, and charges. | C026–C033; form-level checklist held. |\n| **W03** | Board/director examines application | May verify information and require references, authorizations, financial statements, or investigation responses. | C028–C029, C046. |\n| **W04** | Application submitted or pending | Submission, fee payment, and completeness do not themselves establish issuance. | C042, C056. |\n| **W05** | Employee hired | Register covered employee within ninety days, with fee and required identifying employment information. | C031–C033. |\n| **W06** | Office, ownership, or address changes | Apply separate-location, nontransferability, notice, and bond-address requirements. | C034–C036, C048. |\n| **W07** | Renewal approaches | Apply actual license expiration and renewal requirements. | C037–C040; no invented grace period. |\n| **W08** | Timely sufficient renewal remains pending | Test APA continuation of existing license. | C041; sufficiency and final determination facts required. |\n| **W09** | Application deemed deficient | Written denial reasons under Rule 205; no promise of routine ten-day license issuance. | C043. |\n| **W10** | Applicant contests director’s denial | Written Board appeal within thirty days of receipt. | C044; actual receipt/calendar absent. |\n| **W11** | Applicant requests return of submitted funds | Rule permits return upon timely written request; not an unconditional refund promise. | C045. |\n| **W12** | Board considers refusal/suspension/revocation | Statutory notice and hearing; order required. | C053; full disciplinary merits deferred. |\n| **W13** | Party seeks judicial review | Distinguish Board-appeal and court-review triggers and continuation provisions. | C054–C055; full court route held. |\n| **W14** | Surety gives cancellation notice | Thirty-day notice to Board; coordinate effective cancellation and license consequences. | C048, C065. |\n| **W15** | Board finds client nonpayment | Bond claim, notice, claimant submissions, hearing and possible allocation. | C066–C069; no award assumed. |\n| **W16** | Agency receives debtor funds | Credit both relevant ledgers, remit/return appropriately, and maintain separate balance accounting. | C071–C075; no consumer fee authorization inferred. |\n\n# C. Security: what the bond does and does not establish\n\n## C1. Penal sum, aggregate exposure, and cancellation\n\nSection 17-24-306 requires a Board-payable surety bond. The surety’s aggregate liability for breaches cannot exceed the bond amount. The surety may cancel upon thirty days’ notice to the Board, with the stated protection against liability for breaches occurring after effective cancellation. That does not automatically erase liability for an earlier breach. **C058–C065.** [Justia Law](https://law.justia.com/codes/arkansas/title-17/subtitle-2/chapter-24/subchapter-3/section-17-24-306/)\n\nThe license rule separately treats bond cancellation or nonrenewal as a termination event. The actual cancellation date, replacement security, Board action, and any qualifying statutory continuation must therefore be established rather than inferred from a premium invoice. **C048, C065.**\n\nThe inaccessible blank bond leaves additional form-level matters unresolved: execution and acknowledgment requirements, precise surety-qualification language, power-of-attorney attachments, and any approved endorsements. The statute’s requirement for Board-approved security was read; those unseen form terms were not invented.\n\n## C2. Limited claim procedure\n\nRule 280-403 begins with a Board finding that the licensee failed to pay its client or clients. It then provides notice, a ninety-day claim period, supporting documentation, a hearing after that period, claim approval or denial, and pro-rata distribution if approved claims exceed available bond proceeds. Notice may use certified mail and/or the specified statewide publication. **C066–C069.** [Arkansas General Assembly](https://webftp.blr.arkansas.gov/Home/FTPDocument?path=CAR%2FParts%2F17CARpt280.pdf)\n\nThis establishes an administrative security pathway. It does **not** establish:\n\n- That every debtor is entitled to the full penal sum.\n- That an allegation automatically produces payment.\n- That every asserted statutory violation is covered by the bond.\n- That the bond amount is available separately for each claimant.\n- That a payment to a creditor-client is a second credit against the debtor’s already credited payment.\n\nFull surety litigation, other claimant classes, defenses, limitations, and private causes of action remain deferred.\n\n## C3. A different security requirement for nonresident litigation\n\nSection 17-24-404 addresses security in specified litigation against a nonresident collector served under the associated provisions. The court may require cash, securities, or a bond with sufficient surety in a court-fixed amount, subject to the statutory waiver and postponement provisions.\n\nThat is **not** the § 306 licensing bond, not the Rule 201 tier schedule, and not an ordinary annual license charge. The associated service charge likewise should not be placed in every agency’s licensing-cost model. **C070.** [Justia Law+1](https://law.justia.com/codes/arkansas/title-17/subtitle-2/chapter-24/subchapter-4/section-17-24-404/)\n\n## C4. Retroactive licensing and remedies: a retained conflict\n\nAct 1249 of 2015 and Rule 202 supply a retroactive-licensing mechanism. The rule describes its period as beginning with the agency’s initial Arkansas collection activity and ending when the retroactive license is issued; future collection requires regular licensure. **C049–C050.** [Arkansas Legislature+1](https://arkleg.state.ar.us/Home/FTPDocument?path=%2FACTS%2F2015%2FPublic%2FACT1249.pdf)\n\nBut the legal effect on other claims cannot be assumed:\n\n- Section 103 contains limiting language about the consequences/remedies of failure to obtain a license and Board jurisdiction.\n- Rule 402(a)(2) says its penalties do not preclude private causes concerning unlicensed collection.\n- *CACH v. Echols* treated the claimed effect of retroactive licensing as a merits issue, not something resolved by that class-certification appeal.\n\nThis report does not resolve the full statutory/rule/remedies interaction as either universal immunity or unrestricted private recovery. **C051–C052.** [Justia Law+2](https://law.justia.com/codes/arkansas/title-17/subtitle-2/chapter-24/subchapter-1/section-17-24-103/)\n\n# D. Narrow federal comparison and published authorities\n\n## D1. Four separate legal questions\n\n| Question | Governing inquiry |\n| --- | --- |\n| Arkansas collection-agency license | State activity definition, exclusions, nexus, and licensing requirements. |\n| Federal FDCPA/Regulation F collector status | Consumer-debt predicate, principal-purpose or regular-collection branch, and federal exclusions. |\n| Debtor-side adjusting permission | Separate Arkansas and federal framework, not decided here. |\n| Validity and timeliness of the particular debt | Separate contract, payment, limitation, judgment, and other defenses. |\n\nA favorable result under one row does not establish the others. **C076–C085.**\n\nFederal law defines covered debt around personal, family, or household transactions. Its collector definition contains separate **principal-purpose** and **regular collection of another’s debt** branches. It also addresses false-name collection and specific exclusions for employees, qualifying affiliates, certain government and process-service acts, bona fide nonprofit counseling, and specified fiduciary/originated/predefault/secured-commercial-credit situations. Those exclusions have their own predicates. **C076–C083.** [Legal Information Institute+1](https://www.law.cornell.edu/uscode/text/15/1692a)\n\n## D2. Published-opinion ledger\n\n| Authority | Court/date, posture, and holding actually read | Limits, separate writing, and later treatment |\n| --- | --- | --- |\n| **Simpson v. Cavalry SPV I, LLC**, 2014 Ark. 363 — S029 | Arkansas Supreme Court, September 11, 2014; certified questions. A purchaser of delinquent debts that hired a licensed collector or attorney remained a collection agency required to obtain its own license. | Rejected the 2012 Board clarification presented to it. Material majority body read; no separate writing shown. Applied the then-existing statute; 2023 enacted definition also read. No complete citator. |\n| **CACH, LLC v. Echols**, 2016 Ark. 446 — S030 | Arkansas Supreme Court, December 8, 2016; class-certification appeal. Affirmed certification; retroactive-license merits defense did not dispose of the appeal. | Does not decide every claim was cured, every consumer wins, or every retroactive license is invalid. Relevant majority portions read; no separate writing shown. |\n| **Henson v. Santander Consumer USA Inc.**, 582 U.S. 79 — S033 | U.S. Supreme Court, June 12, 2017; unanimous. A purchaser collecting debts it owned did not satisfy the particular “owed another” branch adjudicated. | The principal-purpose branch was expressly not decided. Material majority body read, not used as a blanket debt-buyer exemption. |\n| **Reygadas v. DNF Associates, LLC**, 982 F.3d 1119 — S034 | Eighth Circuit, December 14, 2020; published. Principal-purpose status can encompass a business purchasing defaulted debts and employing outside collectors. | Status was not defeated merely by outsourcing. The court vacated/remanded the liability judgment on a separate agency/knowledge issue. No universal vicarious-liability holding. Full material majority read; no separate writing shown. |\n| **Heintz v. Jenkins**, 514 U.S. 291 — S035 | U.S. Supreme Court, April 18, 1995; unanimous. Lawyers regularly collecting consumer debt through litigation can be FDCPA debt collectors. | Arkansas attorney licensing exclusion is not a federal blanket attorney exemption. Material majority and statutory-history passages read. |\n\nThe principal-purpose holding in *Reygadas* complements the question left open in *Henson*; it does not overrule *Henson*. State *Simpson* classification is a separate statutory analysis. [Justia Law+3](https://law.justia.com/cases/arkansas/supreme-court/2014/cv-14-45-0.html)\n\nNo nonprecedential opinion is relied on as controlling. No complete current citator or universal absence-of-authority conclusion is claimed. No responsive published collection-agency bond decision was adopted by analogy from unrelated payday-lender security cases.\n\n# E. Seventeen fictional postures and three worked models\n\nAll entities, dates, staff counts, premiums, collateral, accounts, payments, and decisions below are fictional. These are conditional calculations and boundaries—not licensing decisions, filing instructions, or actual bond claims.\n\n## Model 1 / P01 — Regulatory cost, premium, and collateral\n\n**Assumptions:** One location; an ordinary licensing period of July 1, 2026–June 30, 2027; four collectors and one manager, five covered employee registrations total. The manager’s collector-count treatment does not change the lowest bond tier because the maximum count under these facts is five. No extra person or location is assumed.\n\n**Verified government charges**\n\nAgency charge=$125\\text{Agency charge}=\\$125Agency charge=$125Employee registrations=5×$20=$100\\text{Employee registrations}=5\\times \\$20=\\$100Employee registrations=5×$20=$100Government-charge total=125+100=$225\\text{Government-charge total}=125+100=\\boxed{\\$225}Government-charge total=125+100=$225​**Stipulated private surety terms—not government rates**\n\n- Premium: $450.\n- Refundable collateral deposit: $2,000.\n- Required penal sum on the assumed count: $10,000.\n\nCharges plus premium=225+450=$675\\text{Charges plus premium}=225+450=\\boxed{\\$675}Charges plus premium=225+450=$675​Total initial cash outflow=675+2,000=$2,675\\text{Total initial cash outflow}=675+2{,}000=\\boxed{\\$2{,}675}Total initial cash outflow=675+2,000=$2,675​For this simplified model, $2,000 remains a collateral asset rather than an expense. The **$10,000 penal sum is not an additional cash expense**. Accounting recognition in an actual business depends on the real contract and accounting rules.\n\n**Adverse branches:** Another location requires separate licensing and security. Additional covered employees change registration charges. A different surety premium or collateral demand changes cash outflow, not the government fee. None of these costs is automatically chargeable to a debtor. **C030–C034, C058–C062, C075.**\n\n## Model 2 / P02 — Verified bond tiers, with metric uncertainty isolated\n\nAssume the Board-applicable collector count NNN has been correctly established for the location/model under consideration.\n\nB(N)={$10,000,N≤5$20,000,6≤N≤12$25,000,N>12B(N)=\n\\begin{cases}\n\\$10{,}000, & N\\le5\\\\\n\\$20{,}000, & 6\\le N\\le12\\\\\n\\$25{,}000, & N>12\n\\end{cases}B(N)=⎩⎨⎧​$10,000,$20,000,$25,000,​N≤56≤N≤12N>12​| Fictional established count | Rule-based penal sum | Change |\n| --- | --- | --- |\n| 5 | $10,000 | — |\n| 6 | $20,000 | +$10,000 |\n| 12 | $20,000 | $0 from the six-person tier |\n| 13 | $25,000 | +$5,000 |\n\nThe unit is **dollars of bond penal coverage**, not dollars of premium. No annual-receipts denominator or percentage is used. The statutory $50,000 maximum does not automatically become the required amount at thirteen collectors.\n\nLet P(N)P(N)P(N) be the actual quoted premium. Without a quote:\n\nPremium cost=P(N),not B(N)\\text{Premium cost}=P(N),\\quad\\text{not }B(N)Premium cost=P(N),not B(N)**Adverse branches:** A dispute about headcount, multiple locations, part-time staff, or manager classification cannot be solved by this arithmetic. The rules do not supply a fully explicit measurement period or all counting conventions. **C058–C062.**\n\n## Model 3 / P03 — Receipts, return, remittance, and remaining debt\n\n**Fictional September–October 2026 transactions**\n\n| Event | Cash in | Cash out | Agency-held client cash |\n| --- | --- | --- | --- |\n| Opening, September 1 | — | — | $0.00 |\n| September 4 receipt | $1,800.00 | — | $1,800.00 |\n| September 18 receipt | $600.00 | — | $2,400.00 |\n| September 20 authorized return to debtor | — | $150.00 | $2,250.00 |\n| October 20 remittance to creditor-client | — | $2,000.00 | **$250.00** |\n\n0+1,800+600−150−2,000=$2500+1{,}800+600-150-2{,}000=\\boxed{\\$250}0+1,800+600−150−2,000=$250​Assume no agency fee is deducted and the $150 return validly reverses that portion of the payment credit.\n\nNet debtor payment credited=2,400−150=$2,250\\text{Net debtor payment credited}=2{,}400-150=\\$2{,}250Net debtor payment credited=2,400−150=$2,250The debtor’s separate account has:\n\n- Original principal: $8,000.\n- Stipulated lawful interest: $120.\n- Net actual payment credits: $2,250.\n- Additional creditor-granted, noncash credit: $100.\n\n8,000+120−2,250−100=$5,7708{,}000+120-2{,}250-100=\\boxed{\\$5{,}770}8,000+120−2,250−100=$5,770​The $2,000 remittance is **not another debtor payment**; it transfers money already credited. The $100 noncash credit reduces the debt but does not change the agency’s cash.\n\nOn the rule’s calendar-month formulation, September collections are to be remitted by the end of October. No actual filing calendar or claim eligibility is calculated. If the remaining $250 is not properly remitted or otherwise lawfully disposed of, the separate statutory consequences require analysis.\n\n**Bond accounting:** Assumed bond award = **$0**. Neither the $250 client balance nor the $10,000 penal sum is treated as an automatic award. **C066–C075.**\n\n## Fourteen additional postures\n\n| Posture | Fictional facts | Bounded result / adverse branch |\n| --- | --- | --- |\n| **P04 — Self-creditor** | A merchant collects its own originated invoice using its true name. | No another-debt or purchased-default predicate established; still test other covered activities. |\n| **P05 — Other name** | Same merchant uses a separate collection-style name. | Express other-name branch becomes material; ownership alone is insufficient. |\n| **P06 — Performing purchase** | Accounts are bought for value while current, then become delinquent. | Acquisition-time facts and own-name collection are central to § 102(a)(10). |\n| **P07 — Defaulted purchase outsourced** | Buyer acquires defaulted accounts and hires a licensed agency. | *Simpson* defeats a blanket outsourcing exemption. |\n| **P08 — Inert investment** | Investor holds an economic interest but takes no collection action or collection arrangement. | Exact beneficial ownership and activities remain held; “passive” label is not dispositive. |\n| **P09 — Remote collector** | Out-of-state agency solicits Arkansas collection business by telephone. | Section 401 is material; absence of an Arkansas office is not a categorical exemption. |\n| **P10 — Servicer** | Servicer begins before default and later collects delinquent payments for the owner. | Federal predefault exclusion and Arkansas licensing are separate; no automatic state servicer exemption. |\n| **P11 — Affiliate/employee** | One employee works for a single creditor; another company collects for three affiliates. | The employee exclusion does not automatically encompass the separate affiliate company. |\n| **P12 — Attorney** | Arkansas lawyer renders actual collection legal services; a nonlawyer vendor uses the lawyer’s branding. | Lawyer’s statutory conditions must be established; vendor does not automatically inherit them. |\n| **P13 — Mixed debts** | Agency collects household medical bills and commercial supply invoices. | Federal debt coverage differs by transaction; state licensing is not automatically limited to the household accounts. |\n| **P14 — New location/ownership** | Agency opens a second office and sells 60% of its equity. | Separate location requirements, nontransferability, ownership notice, and termination provisions all matter. |\n| **P15 — Renewal pending versus late** | Existing licensee submits a sufficient timely renewal; another sends incomplete papers after expiration. | APA continuation may protect the first; it is not established for the second. |\n| **P16 — Bond cancellation** | Surety sends notice to the Board; an alleged breach predates effective cancellation. | Cancellation and license effects must be separated from possible earlier-breach liability. No payment promised. |\n| **P17 — Retroactive license** | Previously unlicensed actor seeks retroactive approval and then wants to continue collecting. | Other conditions and civil penalty apply; prospective activity requires regular licensure; private-remedy effect remains held. |\n\n# F. Complete source and access register\n\n## Register conventions\n\nAll sources below were freshly accessed or attempted on **October 27, 2026**. Exact opening times are unknown. No legal findings in this pass rely on dated reuse from PASS-04 or PASS-05.\n\n- **P:** official primary enactment/rule.\n- **R:** actual legal text or judicial opinion reproduced by a nonofficial host.\n- **M:** secondary codification.\n- **G:** agency guidance/report or administrative inventory.\n- **F:** failed or materially incomplete access.\n\nThe Justia 2025 Code pages are one secondary compilation, not independent primary authentication. Approval dates are distinguished from commencement. A rule PDF’s generation timestamp is not its effective date.\n\n## F1. Enactments, rules, and agency report\n\n| Source ID | Issuer/title/direct HTTPS URL | Actual scope, version, effect, and limits |\n| --- | --- | --- |\n| **S_AR-P06-S001** | Arkansas General Assembly, **Act 360 of 2023**. [https://arkleg.state.ar.us/Acts/FTPDocument?ddBienniumSession=2023%2F2023R&file=360.pdf&path=%2FACTS%2F2023R%2FPublic%2F](https://arkleg.state.ar.us/Acts/FTPDocument?ddBienniumSession=2023%2F2023R&file=360.pdf&path=%2FACTS%2F2023R%2FPublic%2F&utm_source=chatgpt.com) | **P:** § 1 definition, printed pp.1–2/PDF0–1; material Board provisions also read. Relevant text and page image inspected. Approved March 21, 2023; exact default commencement not independently established. |\n| **S_AR-P06-S002** | **Act 1455 of 2009**. [https://arkleg.state.ar.us/Acts/FTPDocument?ddBienniumSession=2009%2FR&file=1455.pdf&path=%2FACTS%2F2009%2FPublic%2F](https://arkleg.state.ar.us/Acts/FTPDocument?ddBienniumSession=2009%2FR&file=1455.pdf&path=%2FACTS%2F2009%2FPublic%2F&utm_source=chatgpt.com) | P, selected §§2–3,5–9, printed pp.12–16/PDF11–15. Material definition, exclusions, licensing, application, historic fee/bond amendments; images pp.12,13,15 inspected. Entire conduct act not claimed read; exact commencement held. |\n| **S_AR-P06-S003** | **Act 1023 of 2013**. [https://arkleg.state.ar.us/Home/FTPDocument?path=%2FACTS%2F2013%2FPublic%2FACT1023.pdf](https://arkleg.state.ar.us/Home/FTPDocument?path=%2FACTS%2F2013%2FPublic%2FACT1023.pdf&utm_source=chatgpt.com) | P: §4 printed2–3/PDF1–2; §5 printed5/PDF4; §9 printed6–7/PDF5–6. Text/images. Approved April 10, 2013; emergency effective July 1, 2013; employee $20 provision expressly September 1, 2013. |\n| **S_AR-P06-S004** | **Act 1249 of 2015**. [https://arkleg.state.ar.us/Home/FTPDocument?path=%2FACTS%2F2015%2FPublic%2FACT1249.pdf](https://arkleg.state.ar.us/Home/FTPDocument?path=%2FACTS%2F2015%2FPublic%2FACT1249.pdf&utm_source=chatgpt.com) | P: §1, printed1–2/PDF0–1; text and material image. Retroactive-license and remedy language. Approved April 8, 2015; exact default commencement held. |\n| **S_AR-P06-S005** | Official **17 CAR Part 280, State Board of Collection Agencies Rules**. [https://webftp.blr.arkansas.gov/Home/FTPDocument?path=CAR%2FParts%2F17CARpt280.pdf](https://webftp.blr.arkansas.gov/Home/FTPDocument?path=CAR%2FParts%2F17CARpt280.pdf&utm_source=chatgpt.com) | P: all material gateway provisions read. §§101–103 printed1–3/PDF0–2; §201 printed3–6/PDF2–5; §§202–205 printed6–9/PDF5–8; §301 printed9–10/PDF8–9; §§401–403 printed11–14/PDF10–13. Images of fees, tiers, renewal and claims pages inspected. PDF generated March 22, 2026—not legal effective date. |\n| **S_AR-P06-S006** | Board report to legislative committee, prepared **August 18, 2025**. [https://www.arkleg.state.ar.us/Home/FTPDocument?path=%2FAssembly%2FMeeting+Attachments%2F049%2F27611%2FExhibit+C1+--+Arkansas+State+Board+of+Collection+Agencies+Report.pdf](https://www.arkleg.state.ar.us/Home/FTPDocument?path=%2FAssembly%2FMeeting+Attachments%2F049%2F27611%2FExhibit+C1+--+Arkansas+State+Board+of+Collection+Agencies+Report.pdf&utm_source=chatgpt.com) | G: report pages labeled1of2/2of2, PDF0–1, text/images. Charges and licensing information; not an adoption order or named-provider status. Remaining attachment pages not claimed fully read. |\n\n**Official rule HTML also read under S005:**\n\n- Part index:\n[https://codeofarrules.arkansas.gov/Rules/Rule?chapterID=178&levelType=part&partID=776&sectionID=&subChapterID=221&subPartID=&titleID=17](https://codeofarrules.arkansas.gov/Rules/Rule?chapterID=178&levelType=part&partID=776&sectionID&subChapterID=221&subPartID&titleID=17&utm_source=chatgpt.com)\n- § 280-201:\n[https://codeofarrules.arkansas.gov/Rules/Rule?chapterID=178&levelType=section&partID=776&sectionID=27855&subChapterID=221&subPartID=4426&titleID=17](https://codeofarrules.arkansas.gov/Rules/Rule?chapterID=178&levelType=section&partID=776&sectionID=27855&subChapterID=221&subPartID=4426&titleID=17&utm_source=chatgpt.com)\n- § 280-204:\n[https://codeofarrules.arkansas.gov/Rules/Rule?chapterID=178&levelType=section&partID=776&sectionID=27858&subChapterID=221&subPartID=4426&titleID=17](https://codeofarrules.arkansas.gov/Rules/Rule?chapterID=178&levelType=section&partID=776&sectionID=27858&subChapterID=221&subPartID=4426&titleID=17&utm_source=chatgpt.com)\n- § 280-403:\n[https://codeofarrules.arkansas.gov/Rules/Rule?chapterID=178&levelType=section&partID=776&sectionID=27864&subChapterID=221&subPartID=4428&titleID=17](https://codeofarrules.arkansas.gov/Rules/Rule?chapterID=178&levelType=section&partID=776&sectionID=27864&subChapterID=221&subPartID=4428&titleID=17&utm_source=chatgpt.com)\n\nThese are sections of the same rule document, not additional independent sources. The official database identifies its codification status and possible update lag. Its October 26, 2026 update footer is not asserted as Part 280’s adoption date. The original 2021 final filing/adoption instrument was not obtained.\n\n## F2. Arkansas Code reproductions\n\nEach row is a **fresh 2025 secondary-code read**, with current official integrated-code authentication remaining partial.\n\n| Source ID | Section/direct HTTPS URL | Operative scope |\n| --- | --- | --- |\n| **S_AR-P06-S007** | §17-24-101. [https://law.justia.com/codes/arkansas/title-17/subtitle-2/chapter-24/subchapter-1/section-17-24-101/](https://law.justia.com/codes/arkansas/title-17/subtitle-2/chapter-24/subchapter-1/section-17-24-101/?utm_source=chatgpt.com) | Complete four-branch definition; S001 primary corroboration. |\n| **S_AR-P06-S008** | §17-24-102. [https://law.justia.com/codes/arkansas/title-17/subtitle-2/chapter-24/subchapter-1/section-17-24-102/](https://law.justia.com/codes/arkansas/title-17/subtitle-2/chapter-24/subchapter-1/section-17-24-102/?utm_source=chatgpt.com) | Complete (a)–(c) exclusions and limitations; 2019 amendment chain incomplete. |\n| **S_AR-P06-S009** | §17-24-103. [https://law.justia.com/codes/arkansas/title-17/subtitle-2/chapter-24/subchapter-1/section-17-24-103/](https://law.justia.com/codes/arkansas/title-17/subtitle-2/chapter-24/subchapter-1/section-17-24-103/?utm_source=chatgpt.com) | Complete operative (a)–(c); retroactive route/remedy boundary only applied. |\n| **S_AR-P06-S010** | §17-24-104. [https://law.justia.com/codes/arkansas/title-17/subtitle-2/chapter-24/subchapter-1/section-17-24-104/](https://law.justia.com/codes/arkansas/title-17/subtitle-2/chapter-24/subchapter-1/section-17-24-104/?utm_source=chatgpt.com) | Remittance and consequences necessary to receipt model. |\n| **S_AR-P06-S011** | §17-24-203. [https://law.justia.com/codes/arkansas/title-17/subtitle-2/chapter-24/subchapter-2/section-17-24-203/](https://law.justia.com/codes/arkansas/title-17/subtitle-2/chapter-24/subchapter-2/section-17-24-203/?utm_source=chatgpt.com) | Board rulemaking and federal-law coordination language. |\n| **S_AR-P06-S012** | §17-24-301. [https://law.justia.com/codes/arkansas/title-17/subtitle-2/chapter-24/subchapter-3/section-17-24-301/](https://law.justia.com/codes/arkansas/title-17/subtitle-2/chapter-24/subchapter-3/section-17-24-301/?utm_source=chatgpt.com) | Complete unlicensed-activity prohibition. |\n| **S_AR-P06-S013** | §17-24-302. [https://law.justia.com/codes/arkansas/title-17/subtitle-2/chapter-24/subchapter-3/section-17-24-302/](https://law.justia.com/codes/arkansas/title-17/subtitle-2/chapter-24/subchapter-3/section-17-24-302/?utm_source=chatgpt.com) | (a) age/entity qualifications; (b) law-enforcement restriction. |\n| **S_AR-P06-S014** | §17-24-303. [https://law.justia.com/codes/arkansas/title-17/subtitle-2/chapter-24/subchapter-3/section-17-24-303/](https://law.justia.com/codes/arkansas/title-17/subtitle-2/chapter-24/subchapter-3/section-17-24-303/?utm_source=chatgpt.com) | Application information/references and nontransferability. |\n| **S_AR-P06-S015** | §17-24-304. [https://law.justia.com/codes/arkansas/title-17/subtitle-2/chapter-24/subchapter-3/section-17-24-304/](https://law.justia.com/codes/arkansas/title-17/subtitle-2/chapter-24/subchapter-3/section-17-24-304/?utm_source=chatgpt.com) | Annual expiration/renewal language, read with rule and APA. |\n| **S_AR-P06-S016** | §17-24-305. [https://law.justia.com/codes/arkansas/title-17/subtitle-2/chapter-24/subchapter-3/section-17-24-305/](https://law.justia.com/codes/arkansas/title-17/subtitle-2/chapter-24/subchapter-3/section-17-24-305/?utm_source=chatgpt.com) | Material subsection(a), agency ceiling and employee fee; no full fiscal-distribution analysis. |\n| **S_AR-P06-S017** | §17-24-306. [https://law.justia.com/codes/arkansas/title-17/subtitle-2/chapter-24/subchapter-3/section-17-24-306/](https://law.justia.com/codes/arkansas/title-17/subtitle-2/chapter-24/subchapter-3/section-17-24-306/?utm_source=chatgpt.com) | Complete (a)–(d), bond range, aggregate liability, cancellation, payee and allocation. |\n| **S_AR-P06-S018** | §17-24-307. [https://law.justia.com/codes/arkansas/title-17/subtitle-2/chapter-24/subchapter-3/section-17-24-307/](https://law.justia.com/codes/arkansas/title-17/subtitle-2/chapter-24/subchapter-3/section-17-24-307/?utm_source=chatgpt.com) | Grounds read; only application/ownership/aiding-unlicensed gateway used. Full conduct report deferred. |\n| **S_AR-P06-S019** | §17-24-308. [https://law.justia.com/codes/arkansas/title-17/subtitle-2/chapter-24/subchapter-3/section-17-24-308/](https://law.justia.com/codes/arkansas/title-17/subtitle-2/chapter-24/subchapter-3/section-17-24-308/?utm_source=chatgpt.com) | Complete notice/hearing, review and continuation provisions. |\n| **S_AR-P06-S020** | §17-24-310. [https://law.justia.com/codes/arkansas/title-17/subtitle-2/chapter-24/subchapter-3/section-17-24-310/](https://law.justia.com/codes/arkansas/title-17/subtitle-2/chapter-24/subchapter-3/section-17-24-310/?utm_source=chatgpt.com) | Annual client remittance notice. |\n| **S_AR-P06-S021** | §17-24-401. [https://law.justia.com/codes/arkansas/title-17/subtitle-2/chapter-24/subchapter-4/section-17-24-401/](https://law.justia.com/codes/arkansas/title-17/subtitle-2/chapter-24/subchapter-4/section-17-24-401/?utm_source=chatgpt.com) | Nonresident activity, jurisdiction, fees and service-agent predicates. |\n| **S_AR-P06-S022** | §17-24-402. [https://law.justia.com/codes/arkansas/title-17/subtitle-2/chapter-24/subchapter-4/section-17-24-402/](https://law.justia.com/codes/arkansas/title-17/subtitle-2/chapter-24/subchapter-4/section-17-24-402/?utm_source=chatgpt.com) | Preserved jurisdictional challenge. |\n| **S_AR-P06-S023** | §17-24-403. [https://law.justia.com/codes/arkansas/title-17/subtitle-2/chapter-24/subchapter-4/section-17-24-403/](https://law.justia.com/codes/arkansas/title-17/subtitle-2/chapter-24/subchapter-4/section-17-24-403/?utm_source=chatgpt.com) | Nonresident litigation service and associated charge; not license-cost basket. |\n| **S_AR-P06-S024** | §17-24-404. [https://law.justia.com/codes/arkansas/title-17/subtitle-2/chapter-24/subchapter-4/section-17-24-404/](https://law.justia.com/codes/arkansas/title-17/subtitle-2/chapter-24/subchapter-4/section-17-24-404/?utm_source=chatgpt.com) | Court-fixed litigation security, waiver and postponement. |\n| **S_AR-P06-S025** | §17-24-502. [https://law.justia.com/codes/arkansas/title-17/subtitle-2/chapter-24/subchapter-5/section-17-24-502/](https://law.justia.com/codes/arkansas/title-17/subtitle-2/chapter-24/subchapter-5/section-17-24-502/?utm_source=chatgpt.com) | Consumer/debt/collector definitions and exclusions expressly scoped to that subchapter. |\n| **S_AR-P06-S026** | §17-1-108. [https://law.justia.com/codes/arkansas/title-17/subtitle-1/chapter-1/section-17-1-108/](https://law.justia.com/codes/arkansas/title-17/subtitle-1/chapter-1/section-17-1-108/?utm_source=chatgpt.com) | Complete (a)–(i), including entity definition, reciprocity/provisional requirements and financial-condition preservation. |\n| **S_AR-P06-S027** | §25-15-211. [https://law.justia.com/codes/arkansas/title-25/chapter-15/subchapter-2/section-25-15-211/](https://law.justia.com/codes/arkansas/title-25/chapter-15/subchapter-2/section-25-15-211/?utm_source=chatgpt.com) | Complete operative body; (b) pending-renewal protection and (c) adverse-action safeguards material. |\n| **S_AR-P06-S028** | §25-15-212. [https://law.justia.com/codes/arkansas/title-25/chapter-15/subchapter-2/section-25-15-212/](https://law.justia.com/codes/arkansas/title-25/chapter-15/subchapter-2/section-25-15-212/?utm_source=chatgpt.com) | Material (a)–(d), review timing and no-automatic-stay rule. Full judicial-review dossier not undertaken. |\n\n## F3. Judicial decisions and federal definitions\n\n| Source ID | Issuer/title/direct HTTPS URL | Read scope/version/status |\n| --- | --- | --- |\n| **S_AR-P06-S029** | Arkansas Supreme Court, *Simpson*, September 11, 2014. [https://law.justia.com/cases/arkansas/supreme-court/2014/cv-14-45-0.html](https://law.justia.com/cases/arkansas/supreme-court/2014/cv-14-45-0.html?utm_source=chatgpt.com) | **R:** material majority, printed pp.4–9 in reproduced body; both certified questions and Board-clarification treatment. No PDF index established. |\n| **S_AR-P06-S030** | Arkansas Supreme Court, *CACH*, December 8, 2016. [https://law.justia.com/cases/arkansas/supreme-court/2016/cv-16-248.html](https://law.justia.com/cases/arkansas/supreme-court/2016/cv-16-248.html?utm_source=chatgpt.com) | R: majority material pp.1–2,6–10; certification and retroactive-license defense posture. No full merits determination inferred. |\n| **S_AR-P06-S031** | 15 U.S.C. §1692a, Cornell reproduction. [https://www.law.cornell.edu/uscode/text/15/1692a](https://www.law.cornell.edu/uscode/text/15/1692a?utm_source=chatgpt.com) | R: material definitions (3)–(6) and exclusions. Official OLRC routes failed; no official through-public-law currency certificate. |\n| **S_AR-P06-S032** | CFPB, 12 C.F.R. §1006.2. [https://www.consumerfinance.gov/rules-policy/regulations/1006/2/](https://www.consumerfinance.gov/rules-policy/regulations/1006/2/?utm_source=chatgpt.com) | **P:** current posted regulation; relevant consumer, creditor, debt and collector definitions/exclusions and material interpretations. Not full Regulation F conduct analysis. |\n| **S_AR-P06-S033** | U.S. Supreme Court, *Henson*, June 12, 2017. [https://www.supremecourt.gov/opinions/16pdf/16-349_c07d.pdf](https://www.supremecourt.gov/opinions/16pdf/16-349_c07d.pdf?utm_source=chatgpt.com) | P: material majority printed pp.1–9/PDF2–10; principal-purpose reservation and holding. Image printed3/PDF4 inspected. Not every closing page claimed read. |\n| **S_AR-P06-S034** | Eighth Circuit, *Reygadas*, December 14, 2020. [https://law.justia.com/cases/federal/appellate-courts/ca8/19-3167/19-3167-2020-12-14.html](https://law.justia.com/cases/federal/appellate-courts/ca8/19-3167/19-3167-2020-12-14.html?utm_source=chatgpt.com) | R: complete material twelve-page majority; status pp.6–10, disposition pp.11–12. Published; no PDF index asserted. |\n| **S_AR-P06-S035** | U.S. Supreme Court, *Heintz*, April 18, 1995. [https://www.govinfo.gov/content/pkg/USREPORTS-514/pdf/USREPORTS-514-291.pdf](https://www.govinfo.gov/content/pkg/USREPORTS-514/pdf/USREPORTS-514-291.pdf?utm_source=chatgpt.com) | P: material majority printed292–297/PDF1–6; attorney coverage and statutory history. Image printed294/PDF3 inspected. Not every closing page claimed read. |\n| **S_AR-P06-S036** | Association of Arkansas Counties inventory. [https://www.arcounties.org/counties/](https://www.arcounties.org/counties/?utm_source=chatgpt.com) | G: all seventy-five county names read. Administrative inventory only. |\n\n## F4. Failed routes, historical reproduction, and alternatives\n\n| Source ID | Exact routes | Actual status and consequence |\n| --- | --- | --- |\n| **S_AR-P06-S037** | [https://labor.arkansas.gov/licensing/arkansas-state-board-of-collection-agencies/](https://labor.arkansas.gov/licensing/arkansas-state-board-of-collection-agencies/?utm_source=chatgpt.com) ; [https://labor.arkansas.gov/licensing/arkansas-state-board-of-collection-agencies/licensing-forms-for-collection-agencies/](https://labor.arkansas.gov/licensing/arkansas-state-board-of-collection-agencies/licensing-forms-for-collection-agencies/?utm_source=chatgpt.com) ; [https://labor.arkansas.gov/licensing/arkansas-state-board-of-collection-agencies/faqs-for-collection-agencies/](https://labor.arkansas.gov/licensing/arkansas-state-board-of-collection-agencies/faqs-for-collection-agencies/?utm_source=chatgpt.com) ; [https://www.labor.arkansas.gov/wp-content/uploads/Surety-Bond.pdf](https://www.labor.arkansas.gov/wp-content/uploads/Surety-Bond.pdf?utm_source=chatgpt.com) ; [https://www.labor.arkansas.gov/wp-content/uploads/Retroactive-License-Application.pdf](https://www.labor.arkansas.gov/wp-content/uploads/Retroactive-License-Application.pdf?utm_source=chatgpt.com) ; [https://labor.arkansas.gov/licensing/arkansas-state-board-of-collection-agencies/search-for-licensed-collection-agencies/](https://labor.arkansas.gov/licensing/arkansas-state-board-of-collection-agencies/search-for-licensed-collection-agencies/?utm_source=chatgpt.com) | **F:** returned 403/access errors. No generated application completed, registry query submitted, or form contents inferred. Official rules and legislative report were successful independent alternatives for specified requirements—not replacements for unseen form fields. |\n| **S_AR-P06-S038** | [https://arkleg.state.ar.us/Home/FTPDocument?path=%2FACTS%2F2019R%2FPublic%2FACT386.pdf](https://arkleg.state.ar.us/Home/FTPDocument?path=%2FACTS%2F2019R%2FPublic%2FACT386.pdf&utm_source=chatgpt.com) ; [https://arkleg.state.ar.us/Acts/FTPDocument?ddBienniumSession=2019%2F2019R&file=386.pdf&path=%2FACTS%2F2019R%2FPublic%2F](https://arkleg.state.ar.us/Acts/FTPDocument?ddBienniumSession=2019%2F2019R&file=386.pdf&path=%2FACTS%2F2019R%2FPublic%2F) | F: both official routes timed out. §9 body not obtained. No repeated unchanged route or fabricated primary amendment read. |\n| **S_AR-P06-S039** | [https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title15-section1692a&num=0&edition=prelim](https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title15-section1692a&num=0&edition=prelim) ; [https://uscode.house.gov/us/usc/119-134/t15/s1692a/](https://uscode.house.gov/us/usc/119-134/t15/s1692a/) | F: first route returned 404; alternative body inaccessible. Cornell statutory reproduction and CFPB regulation retained their actual evidentiary status. |\n| **S_AR-P06-S040** | Historical rule reproduction: [https://www.law.cornell.edu/regulations/arkansas/235-15-21-Ark-Code-R-001](https://www.law.cornell.edu/regulations/arkansas/235-15-21-Ark-Code-R-001?utm_source=chatgpt.com) | R: historical rule body/revision information read, marked effective December 9, 2021. Corroboration only; current findings rely on official CAR body S005. |\n\nThe first attempted Act 1023 route failed:\n\n[https://arkleg.state.ar.us/Acts/FTPDocument?ddBienniumSession=2013%2F2013R&file=1023.pdf&path=%2FACTS%2F2013R%2FPublic%2F](https://arkleg.state.ar.us/Acts/FTPDocument?ddBienniumSession=2013%2F2013R&file=1023.pdf&path=%2FACTS%2F2013R%2FPublic%2F)\n\nThe different official route in S003 succeeded. That is an access recovery for the same document—not a second enactment.\n\n# G. Atomic claim/evidence register\n\n**Confidence convention:** “Verified text/holding” means the identified body was read. It does not certify every subsequent amendment or actual entity’s facts. “Partial” identifies a currentness or application dependency. “Held” means unresolved, not nonexistent.\n\n## G1. Actor, activity, and exclusions\n\n| Claim ID | Actor/predicate | Required step or legal consequence | Evidence; limits/confidence |\n| --- | --- | --- | --- |\n| **S_AR-P06-C001** | Collection-agency applicant | Board is responsible regulator within Department of Labor and Licensing. | S005 §102; S011. Verified official rule. |\n| **C002** | Person/entity performs statutory activity | Apply four branches of collection-agency definition. | S001 §1; S007. Verified enactment; actual conduct required. |\n| **C003** | Covered nonexempt actor | License required before covered activity. | S012; S002 licensing amendment. Current chain partial. |\n| **C004** | Business-only or mixed collector | Do not import household-purpose limitation into licensing definition. | S007/S012 versus S025. High textual distinction. |\n| **C005** | Original creditor in true own name | Ordinary originated-debt collection may fall outside definition on stated facts. | S007; bounded inference, not blanket exemption. |\n| **C006** | Own-debt collector uses other name | Other-name branch can independently trigger coverage. | S007/S012. Verified text. |\n| **C007** | Purchaser of performing accounts | Establish value, nondefault at acquisition, and own-name collection. | S008(a)(10). Current primary chain partial. |\n| **C008** | Defaulted-debt purchaser outsources | Outsourcing does not eliminate purchaser’s licensing obligation on *Simpson* facts. | S029. Verified holding. |\n| **C009** | Allegedly passive owner | Distinguish genuine inactivity from hiring collection agents. | S007/S029. Inert-investment application held. |\n| **C010** | Servicer/assignee | No universal state predefault-servicer or assignment exemption established. | S007/S008. Actual rights and conduct held. |\n| **C011** | Affiliate collector | Separate entity does not automatically satisfy employee exclusion. | S008(a)(1). Fact-dependent inference. |\n| **C012** | Employee of one creditor | Must be regular employee of a single creditor. | S008(a)(1). Salary label alone insufficient. |\n| **C013** | Attorney collecting own/firm debt | Own-name/firm-name exclusion has stated conditions. | S008(a)(8). Verified displayed text. |\n| **C014** | Arkansas attorney for client | Actual Arkansas licensure and legal services required; exclusion not inherited by client/vendor. | S008(b); S029. 2019 chain hold. |\n| **C015** | Bank/trust/S&L | Establish actual listed institutional status. | S008(a)(2)–(4). No automatic affiliate/credit-union extension. |\n| **C016** | Other listed excluded business | Apply escrow, real-estate, and regulated-company activity conditions. | S008(a)(5)–(7). No general commercial exemption. |\n| **C017** | Court-order handler | Actual court-order predicate; private non-IV-D child-support exception remains. | S008(a)(9). Full support family deferred. |\n| **C018** | Nonprofit/fiduciary actor | No blanket licensing exclusion established merely from label. | S008 complete list. Other laws may matter. |\n| **C019** | Foreclosure actor | State provision is limited to specified activity; does not decide all current federal law. | S008(c). Foreclosure deferred. |\n| **C020** | Out-of-state agency | Test §401 remote-activity predicates and related consequences. | S021–S024. Exact nexus facts held. |\n| **C021** | Actor relies on 2012 clarification | *Simpson* rejected presented outsourced-debt-buyer exemption interpretation. | S029. Original administrative body not separately read. |\n| **C022** | Digital/isolated remote contact | No universal minimum-contact or one-contact rule established. | S021/S029; missing application authority. Held. |\n| **C023** | Out-of-state credential holder | Establish §17-1-108 conditions; entity can be included. | S026(a)–(i). Primary chain partial. |\n| **C024** | Provisional applicant | Statute calls for qualifying temporary/provisional procedure; foreign license is not automatic grant. | S026(c)–(g). Board implementation/form held. |\n| **C025** | Manager credit-report waiver | Qualifying substantially similar good-standing license may support waiver. | S005 §201(b)(3). Not bond/license exemption. |\n\n## G2. Licensing, charges, renewal, and procedure\n\n| Claim ID | Actor/predicate | Step, clock, or consequence | Evidence; limits/confidence |\n| --- | --- | --- | --- |\n| **C026** | Applicant/partners/corporation | Satisfy statutory age alternatives. | S013(a). Actual eligibility absent. |\n| **C027** | Law-enforcement officer | Stated licensing/collector restriction applies. | S013(b). Actual role required. |\n| **C028** | Applicant | Written director-form application and required information/references. | S014; S005 §201(a),401. Form body held. |\n| **C029** | Agency manager | Register at least one manager; satisfy stated credit-reputation conditions. | S005 §201(b). No private credit findings. |\n| **C030** | Agency applicant/renewal | $125 required agency charge under rule; statute sets ceiling. | S016(a); S005 §§201/204; S006. Verified amount. |\n| **C031** | Covered employee | $20 registration each licensing period; historical $15 not current. | S003 §4; S016(a); S005 §201(e). |\n| **C032** | Licensee hires employee | Report covered employee and remit fee within ninety days. | S005 §201(e)(1). Actual calendar not calculated. |\n| **C033** | Agency maintains aliases/registrations | Periodic listing and one-year post-termination retention requirements. | S005 §201(e)(2)–(3). Verified rule. |\n| **C034** | Multiple offices/locations | Separate license and bond for each. | S005 §201(c). Remote-home and counting scope held. |\n| **C035** | Ownership transaction | License nontransferable; 50% threshold requires prompt written notice. | S014(b); S005 §201(d),203. No 49% safe harbor. |\n| **C036** | Address changes | Timely notice; bond carries current physical address. | S005 §201(f). Actual endorsement facts held. |\n| **C037** | Annual license holder | Read statutory cycle together with rules and APA. | S015; S005 §204; S027. No invented grace period. |\n| **C038** | Newly issued license | Apply March–December versus January–February expiration rule. | S005 §204(a). Actual grant date required. |\n| **C039** | Renewal applicant | Updated documents and same licensing/employee fees. | S005 §204(b). Form completeness held. |\n| **C040** | Late/nonrenewing holder | Rule supplies expiration/new-application consequences; reminder absence no excuse. | S005 §204(c). APA qualification remains. |\n| **C041** | Timely sufficient continuing-license applicant | Existing license continues under APA through specified determination/review period. | S027(b). Sufficiency and application facts required. |\n| **C042** | Initial/pending applicant | Filing/payment alone is not license grant. | S012/S014/S027; classification of procedural status required. |\n| **C043** | Director finds deficiency | Written denial reasons within rule’s ten-business-day framework. | S005 §205(a). Not routine issuance deadline. |\n| **C044** | Applicant appeals director denial | Written Board appeal within thirty days of receipt. | S005 §205(b). No actual deadline computed. |\n| **C045** | Applicant seeks funds back | Rule permits return upon timely written request; no unconditional refund. | S005 §205(c). Actual decision/request required. |\n| **C046** | Board investigates | May verify application/renewal and demand specified supporting materials. | S005 §401; S014. Fixed extra investigation fee not established. |\n| **C047** | Variance requested | Procedural variance cannot waive statutory mandate; substantive requests have separate process. | S005 §103. No granted variance assumed. |\n| **C048** | Agency ceases/transfers/loses bond | Rule lists termination events. | S005 §203. Actual event and statutory continuation interaction held. |\n| **C049** | Retroactive applicant | $10,000 civil penalty plus other licensing requirements. | S004; S009; S005 §202. Not ordinary fee. |\n| **C050** | Retroactive license issued | Past interval ends at issuance; future activity requires regular license. | S005 §202(b)–(c). No actual grant inferred. |\n| **C051** | Retroactive defense asserted | *CACH* did not decide full merits effect in class-certification appeal. | S030. Verified procedural holding. |\n| **C052** | Private-remedy consequence asserted | Statute/rule interaction remains unresolved in this limited gateway. | S009(b)–(c); S005 §402(a)(2). No blanket immunity/recovery. |\n| **C053** | Board adverse action | Statutory hearing notice at least twenty days; Board order required. | S019(a). Full disciplinary merits deferred. |\n| **C054** | Party seeks court review | Section308 states thirty days from Board decision and named circuit route. | S019(b); S028. Current procedural harmonization held. |\n| **C055** | License holder appeals | Specific continuation provision must be distinguished from general no-automatic-stay rule. | S019(c),S027,S028(c). Actual appeal/order required. |\n| **C056** | Public application/lookup used | Submission, review, grant and named status are distinct. | S005/S037. No actual provider inquiry. |\n| **C057** | Cost estimate includes extras | No fixed additional late/investigation/branch surcharge or CPI formula verified. | S005/S016/S006. Unknown is not zero. |\n\n## G3. Security and receipt gateway\n\n| Claim ID | Actor/predicate | Step, clock, or consequence | Evidence; limits/confidence |\n| --- | --- | --- | --- |\n| **C058** | Licensee obtains security | Statutory $10,000–$50,000 range per location; Board approval required. | S003 §5; S017(a). |\n| **C059** | Collector count established | Rule tiers are $10,000/$20,000/$25,000 at stated count boundaries. | S005 §201(a)(2). Not receipts-based. |\n| **C060** | Count disputed | FTE/location/global/snapshot/manager details not fully specified in bodies read. | S005 §§101/201. Exact methodology held. |\n| **C061** | Cost/coverage accounting | Penal sum, premium, collateral, fee and debtor obligation differ. | S017/S005; accounting distinction. |\n| **C062** | Surety/form qualification | Board-approved security required; unseen form execution terms not established. | S017(a); S037. Held form-level conditions. |\n| **C063** | Bond issued | Payee is Board. | S017(c); S005 §201(a)(2). |\n| **C064** | Multiple breaches/claimants | Aggregate surety liability cannot exceed penal sum. | S017(b). Not per-claim entitlement. |\n| **C065** | Surety cancels | Thirty-day Board notice; stated future-breach release does not automatically erase earlier breaches. | S017(b); S005 §203. Actual effective date required. |\n| **C066** | Board finds client nonpayment | Rule403 directs bond-claim pathway. | S005 §403(a). Other claim classes not universally decided. |\n| **C067** | Board notifies interested parties | Certified mail and/or specified two-week statewide publication. | S005 §403(b)(1). Actual notice absent. |\n| **C068** | Claimant responds | Claim within ninety days of notice date, with identity/itemization/support. | S005 §403(b)(2). No actual deadline or award. |\n| **C069** | Board adjudicates claims | Hearing, approval/denial, pro-rata shortage allocation; possible surplus return. | S005 §403(b)(3). Full surety litigation deferred. |\n| **C070** | Nonresident sued under special route | §404 litigation security is separate from license bond. | S022–S024. Court-fixed amount; not licensing tier. |\n| **C071** | Agency receives client collection | Credit debtor and client accounts. | S005 §301(a). No double credit upon remittance. |\n| **C072** | Agency holds collected client money | Remit by end of following calendar month. | S010; S005 §301(b). Actual valid returns/credits required. |\n| **C073** | Agency remits late | Stated fee-loss/full-remittance and disciplinary conditions apply. | S010; S005 §301(b)(1). Full penalties not assessed. |\n| **C074** | Annual client notice | April notice; rule exception for Arkansas-licensee clients. | S020; S005 §301(b)(2). |\n| **C075** | Agency estimates costs | Regulatory costs and bond amount are not automatically added to debtor balance. | Separate obligations; no contractual/legal basis established. |\n\n## G4. Federal comparison and evidence limits\n\n| Claim ID | Actor/predicate | Step, consequence, or boundary | Evidence; limits/confidence |\n| --- | --- | --- | --- |\n| **C076** | Federal coverage considered | Establish natural-person consumer and household-purpose debt predicates. | S031(3)–(5); S032. |\n| **C077** | Creditor/debt owner | Apply creditor definition and default-assignment-for-another qualification. | S031(4); S032. Ownership label insufficient. |\n| **C078** | Collector status considered | Principal-purpose and regular-another-debt branches are distinct. | S031(6); S032. |\n| **C079** | Buyer relies on *Henson* | Holding concerns “owed another” branch; principal-purpose left open. | S033. Verified holding. |\n| **C080** | Outsourced default-debt business | *Reygadas* permits principal-purpose status on its facts. | S034. Separate liability disposition preserved. |\n| **C081** | Employee/affiliate claims federal exclusion | Own-name employee and qualifying affiliate conditions differ from Arkansas licensing. | S031(6)(A)–(B); S032. |\n| **C082** | Fiduciary/originator/predefault/commercial secured actor | Apply specific federal activity exclusions, not a generic state exemption. | S031(6)(F); S032. |\n| **C083** | Government/process/nonprofit actor | Establish each federal exclusion’s actual conditions. | S031(6)(C)–(E); S032. |\n| **C084** | Lawyer regularly collects consumer debt | No blanket federal lawyer exemption; *Heintz* includes litigation activity. | S035. |\n| **C085** | Reader combines regimes | State license, federal status, debtor-side permission and debt validity remain separate. | S007/S008/S031–S035. |\n| **C086** | Reader assesses precedent | Five responsive opinions read; no full citator or universal absence conclusion. | S029–S035. Partial later-treatment coverage. |\n| **C087** | Reader assesses statutes | Selected primary acts plus 2025 mirrors do not authenticate whole October2026 Code. | S001–S004,S007–S028. |\n| **C088** | Reader assesses rules | Official codified body read; original final adoption chain not wholly obtained. | S005/S040. Footer/generation date not commencement. |\n| **C089** | Reader assesses attorney text | Act386§9 body failed; current mirror wording retains that chain limitation. | S008/S038. |\n| **C090** | Any actual application | Forms/status/private facts unverified; no license or exemption decision made. | S037 and research scope. |\n\n# H. Granular coverage, local holds, and exact next investigations\n\n## H1. Core coverage — 28 rows\n\n| Row | Requested issue | Status / claims | Exact remaining evidence or next action |\n| --- | --- | --- | --- |\n| K01 | State actor definition | Primary enactment read; C001–C003 | Actual activities and later complete Code chain. |\n| K02 | Consumer/business distinction | Textual distinction established; C004 | Particular debt/transaction for federal or consumer-subchapter application. |\n| K03 | Original creditor/other name | Partial application; C005–C006 | Origination, ownership and actual names used. |\n| K04 | Performing-account purchase | Conditional exclusion read; C007 | Consideration and acquisition-time status. |\n| K05 | Default purchase/outsourcing | Holding read; C008 | Actual purchase/collection arrangement and current treatment. |\n| K06 | Passive owner/assignee | Held in part; C009 | Beneficial ownership and actual collection activity. |\n| K07 | Servicer | No blanket exemption established; C010 | Servicing contract, acquisition rights, solicitation and delinquency facts. |\n| K08 | Affiliate/employee | Conditional distinction; C011–C012 | Entity/employment relationship and number of creditors served. |\n| K09 | Attorney/firm | Text/holding read; C013–C014 | Actual Arkansas licensure, legal services, entity separation; 2019 act. |\n| K10 | Institutions/fiduciaries | Exclusions read; C015–C018 | Charter/status, court order and activity predicates. |\n| K11 | Remaining statutory exclusions | Complete list addressed; C016–C019 | Particular real-estate, escrow, support or foreclosure facts. |\n| K12 | Remote activity | Statute/holding read; C020–C022 | Specific contacts and constitutional/interstate application. |\n| K13 | Reciprocity/provisional route | Statute and limited rule read; C023–C025 | Board’s current implemented form/workflow and qualifying credential facts. |\n| K14 | Applicant/manager qualifications | Text/rules read; C026–C029 | Actual qualification and authorized credit information. |\n| K15 | Application and issue | Partial; C028,C042,C056 | Current readable official application and grant record. |\n| K16 | Fees and employee registration | Amounts/rules verified; C030–C033 | Actual employee count/roles and period. |\n| K17 | Locations/ownership/address | Rules read; C034–C036 | Remote-office interpretation, transaction and bond endorsement. |\n| K18 | Renewal/cycle/lapse | Partial integration; C037–C042 | Timely sufficiency, actual decision and continuation application. |\n| K19 | Denial/refund/internal appeal | Rule read; C043–C045 | Actual notice, request and present calendar rules. |\n| K20 | Investigation/variance | Authority read; C046–C047 | Specific demand, variance, and any separately authorized charge. |\n| K21 | Retroactive route | Statute/rule read; C049–C052 | Actual issuance and unresolved private-remedy effect. |\n| K22 | Hearing/court review | Partial; C053–C055 | Current procedural harmonization and actual order. |\n| K23 | Bond range/tier | Verified text; C058–C060 | Collector-count methodology and particular location application. |\n| K24 | Surety conditions/cancellation | Partial; C062–C065 | Current blank bond, endorsement and cancellation facts. |\n| K25 | Bond claim procedure | Rule read; C066–C069 | Actual Board finding, notice, claimant status and adjudication. |\n| K26 | Nonresident litigation security | Boundary established; C070 | Actual proceeding, service, assets and court determination. |\n| K27 | Receipt/remittance model | Narrow rules read; C071–C075 | Actual client contract, valid credits/returns and ledger. |\n| K28 | Federal actor comparison | Definitions/holdings read; C076–C085 | Actual principal purpose, regularity, ownership and debt purpose. |\n\n## H2. Currentness and authentication — 8 rows\n\n| Row | Authority family | Status | Exact next evidence |\n| --- | --- | --- | --- |\n| Q01 | State definition | Act360/2023 plus mirror | Complete later amendment/nonsupersession chain. |\n| Q02 | Exclusions | Current mirror plus selected 2009 enactment | Readable Act386/2019§9 and any later relevant enactment. |\n| Q03 | Charges/bond | Act1023/2013 and official rule | Full intervening/current integrated Code confirmation. |\n| Q04 | Retroactive/remedies | Act1249 and rule read | Controlling harmonization of statute/rule/private-remedy provisions. |\n| Q05 | Official rules | Current CAR body read | Original final adoption/filing instruments and any uncodified later change. |\n| Q06 | General reciprocity/APA | Full material secondary bodies | Current official statutory bodies and responsive implementation decisions. |\n| Q07 | Federal definitions/cases | CFPB, statutory reproduction and primary opinions | Official current FDCPA text and complete later treatment. |\n| Q08 | Public forms/status | Routes failed | Readable current forms, bond and generic lookup instructions; no named query authorized here. |\n\n## H3. Model coverage — 3 rows\n\n| Row | Model | What is established | What remains conditional |\n| --- | --- | --- | --- |\n| M01 | License charges/premium/collateral | Government arithmetic and separation of expense, collateral and penal sum | Actual grant, employee treatment, premium, collateral and accounting. |\n| M02 | Bond tiers | Piecewise collector-count calculation | Correct measurement unit, location scope and Board-approved count. |\n| M03 | Receipts/remittance/balance | Cash and debtor/client balances reconcile without duplicate credit | Validity of payments/returns/interest, remittance compliance and any claim. |\n\n## H4. Deferred families — 11 rows\n\n| Row | Family | Remaining investigation |\n| --- | --- | --- |\n| D01 | Debt adjusting/settlement | Separate definitions, permission and fee framework; not inferred from collection license. |\n| D02 | Credit repair/CROA | Prior-pass qualification remains separate. |\n| D03 | Full client agreements/trust funds | Contract, custody, segregation and fiduciary requirements beyond narrow receipt model. |\n| D04 | Full surety claims/litigation | Covered claims, defenses, remedies, limitations and enforcement. |\n| D05 | Collection communications/validation | Complete state and federal conduct/disclosure requirements. |\n| D06 | Underlying evidence/service/default | Debt validity, standing, proof and civil procedure. |\n| D07 | Limitations/judgment revival | PASS-05 not adopted as premise; separate review remains. |\n| D08 | Wages/banks/property | Separate enforcement and exemption regimes. |\n| D09 | Secured debt/foreclosure/sectors | Real-property, vehicle, support, tax and other special regimes. |\n| D10 | Full penalties/UDAP/private remedies | Statute/rule conflict and causes of action not resolved here. |\n| D11 | Local/tribal/interstate/federal systems | Particular territorial, sovereign, preemption and administrative requirements. |\n\n## H5. Individual county local-practice holds — 75 rows\n\nAll county names were freshly verified in S036. **No county’s local collection-agency practice was validated from its name.**\n\n**Local next action L:** Determine whether any genuinely applicable adopted county or municipal business-location or procedural requirement exists, and read that authority and its current forms. This does not assume a separate county collection-agency license exists or is required.\n\n| Row | County | Individual status / next action |\n| --- | --- | --- |\n| T001 | Arkansas | Local practice unverified; L. |\n| T002 | Ashley | Local practice unverified; L. |\n| T003 | Baxter | Local practice unverified; L. |\n| T004 | Benton | Local practice unverified; L. |\n| T005 | Boone | Local practice unverified; L. |\n| T006 | Bradley | Local practice unverified; L. |\n| T007 | Calhoun | Local practice unverified; L. |\n| T008 | Carroll | Local practice unverified; L. |\n| T009 | Chicot | Local practice unverified; L. |\n| T010 | Clark | Local practice unverified; L. |\n| T011 | Clay | Local practice unverified; L. |\n| T012 | Cleburne | Local practice unverified; L. |\n| T013 | Cleveland | Local practice unverified; L. |\n| T014 | Columbia | Local practice unverified; L. |\n| T015 | Conway | Local practice unverified; L. |\n| T016 | Craighead | Local practice unverified; L. |\n| T017 | Crawford | Prior garnishment material is not licensing-practice authentication; L. |\n| T018 | Crittenden | Local practice unverified; L. |\n| T019 | Cross | Local practice unverified; L. |\n| T020 | Dallas | Local practice unverified; L. |\n| T021 | Desha | Local practice unverified; L. |\n| T022 | Drew | Local practice unverified; L. |\n| T023 | Faulkner | Local practice unverified; L. |\n| T024 | Franklin | Local practice unverified; L. |\n| T025 | Fulton | Local practice unverified; L. |\n| T026 | Garland | Local practice unverified; L. |\n| T027 | Grant | Local practice unverified; L. |\n| T028 | Greene | Local practice unverified; L. |\n| T029 | Hempstead | Local practice unverified; L. |\n| T030 | Hot Spring | Local practice unverified; L. |\n| T031 | Howard | Local practice unverified; L. |\n| T032 | Independence | Local practice unverified; L. |\n| T033 | Izard | Local practice unverified; L. |\n| T034 | Jackson | Local practice unverified; L. |\n| T035 | Jefferson | Local practice unverified; L. |\n| T036 | Johnson | Local practice unverified; L. |\n| T037 | Lafayette | Local practice unverified; L. |\n| T038 | Lawrence | Local practice unverified; L. |\n| T039 | Lee | Local practice unverified; L. |\n| T040 | Lincoln | Local practice unverified; L. |\n| T041 | Little River | Local practice unverified; L. |\n| T042 | Logan | Local practice unverified; L. |\n| T043 | Lonoke | Local practice unverified; L. |\n| T044 | Madison | Local practice unverified; L. |\n| T045 | Marion | Local practice unverified; L. |\n| T046 | Miller | Local practice unverified; L. |\n| T047 | Mississippi | Local practice unverified; L. |\n| T048 | Monroe | Local practice unverified; L. |\n| T049 | Montgomery | Local practice unverified; L. |\n| T050 | Nevada | Local practice unverified; L. |\n| T051 | Newton | Local practice unverified; L. |\n| T052 | Ouachita | Local practice unverified; L. |\n| T053 | Perry | Local practice unverified; L. |\n| T054 | Phillips | Local practice unverified; L. |\n| T055 | Pike | Local practice unverified; L. |\n| T056 | Poinsett | Local practice unverified; L. |\n| T057 | Polk | Local practice unverified; L. |\n| T058 | Pope | Local practice unverified; L. |\n| T059 | Prairie | Local practice unverified; L. |\n| T060 | Pulaski | Statutory Board-review venue identified; current local review practice unverified; L. |\n| T061 | Randolph | Local practice unverified; L. |\n| T062 | Saline | Local practice unverified; L. |\n| T063 | Scott | Local practice unverified; L. |\n| T064 | Searcy | Local practice unverified; L. |\n| T065 | Sebastian | Local practice unverified; L. |\n| T066 | Sevier | Local practice unverified; L. |\n| T067 | Sharp | Local practice unverified; L. |\n| T068 | St. Francis | Local practice unverified; L. |\n| T069 | Stone | Local practice unverified; L. |\n| T070 | Union | Local practice unverified; L. |\n| T071 | Van Buren | Local practice unverified; L. |\n| T072 | Washington | Prior Elkins material is not licensing-practice authentication; L. |\n| T073 | White | Local practice unverified; L. |\n| T074 | Woodruff | Local practice unverified; L. |\n| T075 | Yell | Local practice unverified; L. |\n\nThe county list is an administrative inventory only. [Association of Arkansas Counties](https://www.arcounties.org/counties/)\n\n### Additional territorial and routing holds — 4 rows\n\n| Row | Issue | Exact remaining inquiry |\n| --- | --- | --- |\n| T076 | Multiple locations/remote workers | Whether actual workspaces are separate offices; count allocation and bond endorsements. |\n| T077 | Interstate business/reciprocity | Actual contacts, foreign credential, provisional procedure, constitutional limits and nonresident litigation security. |\n| T078 | Tribal nexus | Particular sovereign’s law, jurisdiction, immunity and recognition; none presumed. |\n| T079 | Federal/government actor or court route | Applicable federal exclusion, preemption, official-duty and procedural authority; no universal exemption. |\n\n## H6. Exact P01 deferred-row crosswalk — 1 row\n\n| Original reviewed row | PASS-06 contribution | Remaining scope |\n| --- | --- | --- |\n| **Topic:** Civil remedies, collection, litigation, limitations. **Status:** Later pass. **Original Claims:** —. **What was resolved:** §303 referenced only as necessary. **Exact missing investigation:** Full remedies, private rights, UDAP, limitations, criminal enforcement. | Adds only the collection-agency actor, license, exemption, security, and public-procedure gateway, with the source/currentness/application holds above. | Does not accept the full row, Arkansas component, parent dossier, A066, A097 or A098. Other legal families and actual-provider status remain open. |\n\n# I. Researcher self-check\n\n**Actually established through fresh reading:** the official collection-agency definition enactment; the material licensing, fee, bond and retroactive amendments; official codified Board rules; the listed Code reproductions; responsive Arkansas and federal opinion bodies; federal actor definitions; and the seventy-five-name county inventory.\n\n**Not established:** a complete October 2026 official integrated Code chain; the original final rule-adoption record; the failed 2019 amendment body; current blank application/bond contents; complete reciprocal/provisional implementation; every collector-count convention; complete current citator treatment; any actual entity’s license, bond, ownership, payroll, collection volume, account, claim, or appeal facts.\n\nThe most consequential remaining holds are the **renewal/appeal continuation interaction**, **collector counting and multi-location application**, **form-level surety requirements**, and **retroactive-license/private-remedy consequences**. None is converted into permission or nonexistence.\n\n**Register counts:** 40 source/access records; 90 atomic claims; 5 published-opinion entries; 17 fictional postures including 3 worked models; 16 workflow rows; 28 core-coverage rows; 8 currentness rows; 3 model rows; 11 deferred-family rows; 75 individual county holds plus 4 additional territorial/routing holds; and 1 P01 crosswalk. These categories are not summed as independently accepted legal propositions.\n\nNo independent review, unseen model tier, local write, actual permission, filing, publication readiness, or full-state/parent acceptance is claimed.\n\nEND S_AR PASS-06.\n\n","tables":[{"headers":["Actor or model","Supported Arkansas licensing analysis","Conditions, adverse branch, and claim IDs"],"index":0,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Actor or model","Supported Arkansas licensing analysis","Conditions, adverse branch, and claim IDs"],["Original creditor collecting a debt it originated, in its true own name","Generally outside the “another’s debt” and purchased-delinquent-account branches on those assumed facts.","This is a bounded textual classification, not a blanket express original-creditor exemption. Other-name collection or another covered activity changes the analysis. C005–C006."],["Creditor collecting its own receivables under another or fictitious name","Expressly addressed by the definition and license requirement.","Actual names and representations matter; ownership alone does not establish exclusion. C006."],["Purchaser of accounts already delinquent or in default","Purchase plus collection attempts falls within the statutory branch.","A purchase alone, with genuinely no collection attempt, presents a narrower unresolved posture. C008–C009."],["Purchaser of defaulted accounts that hires a licensed collector or law firm","Simpson holds that outsourcing does not eliminate the purchaser’s licensing obligation on that model.","The retained actor’s exemption or license is not automatically the purchaser’s exemption or license. C008, C014, C021."],["Purchaser of performing accounts","Section 102(a)(10) provides a conditional exclusion.","Valuable consideration; accounts not in default or delinquent at acquisition; subsequent collection in purchaser’s own name. Each predicate matters. C007."],["Passive investment owner with no collection activity or collection arrangement","Not resolved merely by calling it “passive.”","Hiring someone to collect was enough in Simpson. A genuinely inert ownership posture requires separate facts and authority. C009."],["Assignee without a genuine purchase","Assignment form alone does not establish the purchaser exclusion.","Determine beneficial ownership, consideration, default status, and whose debt is being collected. C007–C010."],["Servicing business","No general Arkansas licensing exclusion equivalent to the federal predefault-servicing exclusion was established.","Solicitation, delinquency, collection for another, and actual acquisition rights matter. C010."],["Affiliate collecting a related company’s accounts","No blanket affiliate exclusion appears in the licensing exclusions read.","A separate entity is not automatically a “regular employee of a single creditor.” Federal affiliate rules are different. C011–C012."],["Regular employee of one creditor","Express exclusion under § 102(a)(1).","The statutory wording is “regular employees of a single creditor”; a salary label alone does not establish employee status or the single-creditor condition. C012."],["Employee of a collection agency","Generally subject to the agency’s registration requirements when involved in collection activities.","Collectors, solicitors, and managers are expressly included. This is not the same as the single-creditor employee exclusion. C031–C033."],["Attorney collecting fees owed personally or to the firm","Express exclusion when using the attorney’s own name or firm name.","Does not automatically extend to a separate collection company. C013."],["Arkansas-licensed attorney rendering legal services for a client","Section 102(b) supplies a licensing-related exclusion on those conditions.","Attorney connection, branding, ownership, or nominal supervision is not enough by itself. C014."],["Fiduciary or escrow actor","No universal fiduciary licensing exemption was established.","A trust company, abstract company doing escrow business, or court-order handler may satisfy a specific exclusion. C015–C018."],["Business-only collector","Not excluded simply because debts are commercial.","State licensing text is broader than the federal consumer-debt definition. C004."],["Mixed consumer/business portfolio","Analyze state licensing and federal status separately.","Federal coverage can vary by debt; state licensing does not automatically disappear for the commercial portion. C004, C076–C085."],["Remote actor contacting or collecting Arkansas accounts","An out-of-state office is not a categorical safe harbor.","Section 401 and Simpson are material; exact digital, minimum-contact, and constitutional boundaries remain held. C020–C022."],["Debtor-side negotiator","A collection-agency license does not establish authority for debtor-side adjusting.","This pass supplies no debt-adjustment permission and does not reopen that separate dossier. C085."]]},{"headers":["Provision","Excluded actor/activity stated in the text read","Required boundary"],"index":1,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Provision","Excluded actor/activity stated in the text read","Required boundary"],["(a)(1)","Regular employees of a single creditor","Actual employment and single-creditor relationship."],["(a)(2)","Banks","Actual institutional status; do not extend by analogy to every financial company."],["(a)(3)","Trust companies","Actual trust-company status."],["(a)(4)","Savings and loan associations","Actual institutional status."],["(a)(5)","Abstract companies doing an escrow business","Both actor and activity conditions."],["(a)(6)","Licensed real-estate brokers and agents","Claims must relate to their regular real-estate business."],["(a)(7)","Express and telegraph companies subject to public regulation and supervision","The stated regulated-entity condition."],["(a)(8)","Attorneys collecting amounts owed to themselves or their firms","Own name or firm name; not every attorney-associated entity."],["(a)(9)(A)","Persons and entities handling claims, accounts, or collections under a court order","An actual qualifying court order, not merely litigation involvement."],["(a)(9)(B)","Exception to the foregoing exclusion","Private child-support collection agencies outside Title IV-D are expressly subject to licensing."],["(a)(10)","Purchasers for value of accounts not delinquent/defaulted at acquisition","Collection in purchaser’s own name and acquisition-time status must be proved."],["(b)","Arkansas-licensed attorneys rendering legal services for clients","The exclusion concerns the enumerated licensing/fee provisions; it is not universal immunity."],["(c)","Specified real-property foreclosure activity","Foreclosure is outside this pass. The state provision’s reference to the federal definition as of January 1, 2005 is not a controlling declaration of all current federal law."]]},{"headers":["Requirement","Verified rule or statute","Limits"],"index":2,"links":[],"row_links":[[],[],[],[],[],[],[],[],[]],"rows":[["Requirement","Verified rule or statute","Limits"],["Applicant qualifications","Section 302 specifies age conditions for individual applicants, partners, and the stated corporate manager/ownership alternatives.","Do not replace the statutory alternatives with an invented universal owner test."],["Law-enforcement restriction","Listed law-enforcement officers cannot be licensed to operate an agency or act as its collector.","Actual role must be established."],["Application","Written application containing Board-required information; the rule requires the director’s form and actual officer street addresses.","Inaccessible form fields and attachments are not reconstructed from the landing page."],["Manager","At least one registered manager; acceptable credit reputation and specified financial-history requirements.","Credit-report waiver is conditional; no private credit record was examined."],["Employees","Names, aliases, and hire dates; $20 registration for covered collection employees, including collectors, solicitors, and managers.","Registration within ninety days of hire and for each licensing period."],["Additional locations","Separate license and surety bond for each office or location.","Whether a particular remote home workspace is a separate location was not resolved."],["Ownership","License is nontransferable; transfer/sale of 50% or more of assets, stock, or equity requires prompt written notice.","Rule 203 also addresses termination on ownership transfer; 49% is not declared a universal safe harbor."],["Address","Timely notice of physical/mailing changes; bond must carry current physical address.","An unchanged old-address bond is not treated as automatically sufficient."]]},{"headers":["Item","Verified amount or formula","Basis and qualification"],"index":3,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Item","Verified amount or formula","Basis and qualification"],["Agency licensing charge","$125","Section 305 supplies a ceiling; official Rule 201 fixes the required charge at $125."],["Renewal agency charge","$125","Rule 204 requires the same licensing charge."],["Covered employee registration","$20 per employee per licensing period","Includes covered managers and solicitors; annual registration requirement."],["Historical employee amount","Not the current $15 amount","Act 1023 expressly made the $20 amount effective September 1, 2013."],["Additional location","Separate license and bond","No separate additional “branch surcharge” was verified beyond those requirements."],["Investigation charge","Exact additional charge not established","Investigation authority does not itself establish a fixed fee."],["Late charge","No fixed ordinary late-renewal charge verified","Lapse, new-application treatment, and possible penalties are different from a verified late fee."],["Retroactive licensing","$10,000 civil penalty, plus satisfaction of other licensing requirements","Not the ordinary application charge and not prospective permission to operate unlicensed."],["Bond: up to five collectors","$10,000 penal sum","Rule 201(a)(2)."],["Bond: six through twelve collectors","$20,000 penal sum","Same rule."],["Bond: more than twelve collectors","$25,000 penal sum","Same rule."],["Statutory bond range","$10,000–$50,000 for each location","Section 306; security subject to Board approval."],["Premium/collateral","Not fixed by the reviewed government amounts","Private surety pricing and collateral are separate."],["Indexing","No CPI/indexing formula verified","No inflation calculation is supplied."]]},{"headers":["Row","Actor/event","Step, clock, or effect","Authority / remaining issue"],"index":4,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Row","Actor/event","Step, clock, or effect","Authority / remaining issue"],["W01","Business selects model","Classify activity, ownership, delinquency, names, and exclusions before assuming license need or exemption.","C002–C022; actual facts absent."],["W02","Applicant prepares submission","Use director’s form; provide required information, manager, bond, and charges.","C026–C033; form-level checklist held."],["W03","Board/director examines application","May verify information and require references, authorizations, financial statements, or investigation responses.","C028–C029, C046."],["W04","Application submitted or pending","Submission, fee payment, and completeness do not themselves establish issuance.","C042, C056."],["W05","Employee hired","Register covered employee within ninety days, with fee and required identifying employment information.","C031–C033."],["W06","Office, ownership, or address changes","Apply separate-location, nontransferability, notice, and bond-address requirements.","C034–C036, C048."],["W07","Renewal approaches","Apply actual license expiration and renewal requirements.","C037–C040; no invented grace period."],["W08","Timely sufficient renewal remains pending","Test APA continuation of existing license.","C041; sufficiency and final determination facts required."],["W09","Application deemed deficient","Written denial reasons under Rule 205; no promise of routine ten-day license issuance.","C043."],["W10","Applicant contests director’s denial","Written Board appeal within thirty days of receipt.","C044; actual receipt/calendar absent."],["W11","Applicant requests return of submitted funds","Rule permits return upon timely written request; not an unconditional refund promise.","C045."],["W12","Board considers refusal/suspension/revocation","Statutory notice and hearing; order required.","C053; full disciplinary merits deferred."],["W13","Party seeks judicial review","Distinguish Board-appeal and court-review triggers and continuation provisions.","C054–C055; full court route held."],["W14","Surety gives cancellation notice","Thirty-day notice to Board; coordinate effective cancellation and license consequences.","C048, C065."],["W15","Board finds client nonpayment","Bond claim, notice, claimant submissions, hearing and possible allocation.","C066–C069; no award assumed."],["W16","Agency receives debtor funds","Credit both relevant ledgers, remit/return appropriately, and maintain separate balance accounting.","C071–C075; no consumer fee authorization inferred."]]},{"headers":["Question","Governing inquiry"],"index":5,"links":[],"row_links":[[],[],[],[],[]],"rows":[["Question","Governing inquiry"],["Arkansas collection-agency license","State activity definition, exclusions, nexus, and licensing requirements."],["Federal FDCPA/Regulation F collector status","Consumer-debt predicate, principal-purpose or regular-collection branch, and federal exclusions."],["Debtor-side adjusting permission","Separate Arkansas and federal framework, not decided here."],["Validity and timeliness of the particular debt","Separate contract, payment, limitation, judgment, and other defenses."]]},{"headers":["Authority","Court/date, posture, and holding actually read","Limits, separate writing, and later treatment"],"index":6,"links":[],"row_links":[[],[],[],[],[],[]],"rows":[["Authority","Court/date, posture, and holding actually read","Limits, separate writing, and later treatment"],["Simpson v. Cavalry SPV I, LLC, 2014 Ark. 363 — S029","Arkansas Supreme Court, September 11, 2014; certified questions. A purchaser of delinquent debts that hired a licensed collector or attorney remained a collection agency required to obtain its own license.","Rejected the 2012 Board clarification presented to it. Material majority body read; no separate writing shown. Applied the then-existing statute; 2023 enacted definition also read. No complete citator."],["CACH, LLC v. Echols, 2016 Ark. 446 — S030","Arkansas Supreme Court, December 8, 2016; class-certification appeal. Affirmed certification; retroactive-license merits defense did not dispose of the appeal.","Does not decide every claim was cured, every consumer wins, or every retroactive license is invalid. Relevant majority portions read; no separate writing shown."],["Henson v. Santander Consumer USA Inc., 582 U.S. 79 — S033","U.S. Supreme Court, June 12, 2017; unanimous. A purchaser collecting debts it owned did not satisfy the particular “owed another” branch adjudicated.","The principal-purpose branch was expressly not decided. Material majority body read, not used as a blanket debt-buyer exemption."],["Reygadas v. DNF Associates, LLC, 982 F.3d 1119 — S034","Eighth Circuit, December 14, 2020; published. Principal-purpose status can encompass a business purchasing defaulted debts and employing outside collectors.","Status was not defeated merely by outsourcing. The court vacated/remanded the liability judgment on a separate agency/knowledge issue. No universal vicarious-liability holding. Full material majority read; no separate writing shown."],["Heintz v. Jenkins, 514 U.S. 291 — S035","U.S. Supreme Court, April 18, 1995; unanimous. Lawyers regularly collecting consumer debt through litigation can be FDCPA debt collectors.","Arkansas attorney licensing exclusion is not a federal blanket attorney exemption. Material majority and statutory-history passages read."]]},{"headers":["Fictional established count","Rule-based penal sum","Change"],"index":7,"links":[],"row_links":[[],[],[],[],[]],"rows":[["Fictional established count","Rule-based penal sum","Change"],["5","$10,000","—"],["6","$20,000","+$10,000"],["12","$20,000","$0 from the six-person tier"],["13","$25,000","+$5,000"]]},{"headers":["Event","Cash in","Cash out","Agency-held client cash"],"index":8,"links":[],"row_links":[[],[],[],[],[],[]],"rows":[["Event","Cash in","Cash out","Agency-held client cash"],["Opening, September 1","—","—","$0.00"],["September 4 receipt","$1,800.00","—","$1,800.00"],["September 18 receipt","$600.00","—","$2,400.00"],["September 20 authorized return to debtor","—","$150.00","$2,250.00"],["October 20 remittance to creditor-client","—","$2,000.00","$250.00"]]},{"headers":["Posture","Fictional facts","Bounded result / adverse branch"],"index":9,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Posture","Fictional facts","Bounded result / adverse branch"],["P04 — Self-creditor","A merchant collects its own originated invoice using its true name.","No another-debt or purchased-default predicate established; still test other covered activities."],["P05 — Other name","Same merchant uses a separate collection-style name.","Express other-name branch becomes material; ownership alone is insufficient."],["P06 — Performing purchase","Accounts are bought for value while current, then become delinquent.","Acquisition-time facts and own-name collection are central to § 102(a)(10)."],["P07 — Defaulted purchase outsourced","Buyer acquires defaulted accounts and hires a licensed agency.","Simpson defeats a blanket outsourcing exemption."],["P08 — Inert investment","Investor holds an economic interest but takes no collection action or collection arrangement.","Exact beneficial ownership and activities remain held; “passive” label is not dispositive."],["P09 — Remote collector","Out-of-state agency solicits Arkansas collection business by telephone.","Section 401 is material; absence of an Arkansas office is not a categorical exemption."],["P10 — Servicer","Servicer begins before default and later collects delinquent payments for the owner.","Federal predefault exclusion and Arkansas licensing are separate; no automatic state servicer exemption."],["P11 — Affiliate/employee","One employee works for a single creditor; another company collects for three affiliates.","The employee exclusion does not automatically encompass the separate affiliate company."],["P12 — Attorney","Arkansas lawyer renders actual collection legal services; a nonlawyer vendor uses the lawyer’s branding.","Lawyer’s statutory conditions must be established; vendor does not automatically inherit them."],["P13 — Mixed debts","Agency collects household medical bills and commercial supply invoices.","Federal debt coverage differs by transaction; state licensing is not automatically limited to the household accounts."],["P14 — New location/ownership","Agency opens a second office and sells 60% of its equity.","Separate location requirements, nontransferability, ownership notice, and termination provisions all matter."],["P15 — Renewal pending versus late","Existing licensee submits a sufficient timely renewal; another sends incomplete papers after expiration.","APA continuation may protect the first; it is not established for the second."],["P16 — Bond cancellation","Surety sends notice to the Board; an alleged breach predates effective cancellation.","Cancellation and license effects must be separated from possible earlier-breach liability. No payment promised."],["P17 — Retroactive license","Previously unlicensed actor seeks retroactive approval and then wants to continue collecting.","Other conditions and civil penalty apply; prospective activity requires regular licensure; private-remedy effect remains held."]]},{"headers":["Source ID","Issuer/title/direct HTTPS URL","Actual scope, version, effect, and limits"],"index":10,"links":[{"href":"https://arkleg.state.ar.us/Acts/FTPDocument?ddBienniumSession=2023%2F2023R&file=360.pdf&path=%2FACTS%2F2023R%2FPublic%2F&utm_source=chatgpt.com","text":"https://arkleg.state.ar.us/Acts/FTPDocument?ddBienniumSession=2023%2F2023R&file=360.pdf&path=%2FACTS%2F2023R%2FPublic%2F"},{"href":"https://arkleg.state.ar.us/Acts/FTPDocument?ddBienniumSession=2009%2FR&file=1455.pdf&path=%2FACTS%2F2009%2FPublic%2F&utm_source=chatgpt.com","text":"https://arkleg.state.ar.us/Acts/FTPDocument?ddBienniumSession=2009%2FR&file=1455.pdf&path=%2FACTS%2F2009%2FPublic%2F"},{"href":"https://arkleg.state.ar.us/Home/FTPDocument?path=%2FACTS%2F2013%2FPublic%2FACT1023.pdf&utm_source=chatgpt.com","text":"https://arkleg.state.ar.us/Home/FTPDocument?path=%2FACTS%2F2013%2FPublic%2FACT1023.pdf"},{"href":"https://arkleg.state.ar.us/Home/FTPDocument?path=%2FACTS%2F2015%2FPublic%2FACT1249.pdf&utm_source=chatgpt.com","text":"https://arkleg.state.ar.us/Home/FTPDocument?path=%2FACTS%2F2015%2FPublic%2FACT1249.pdf"},{"href":"https://webftp.blr.arkansas.gov/Home/FTPDocument?path=CAR%2FParts%2F17CARpt280.pdf&utm_source=chatgpt.com","text":"https://webftp.blr.arkansas.gov/Home/FTPDocument?path=CAR%2FParts%2F17CARpt280.pdf"},{"href":"https://www.arkleg.state.ar.us/Home/FTPDocument?path=%2FAssembly%2FMeeting+Attachments%2F049%2F27611%2FExhibit+C1+--+Arkansas+State+Board+of+Collection+Agencies+Report.pdf&utm_source=chatgpt.com","text":"https://www.arkleg.state.ar.us/Home/FTPDocument?path=%2FAssembly%2FMeeting+Attachments%2F049%2F27611%2FExhibit+C1+--+Arkansas+State+Board+of+Collection+Agencies+Report.pdf"}],"row_links":[[],[{"href":"https://arkleg.state.ar.us/Acts/FTPDocument?ddBienniumSession=2023%2F2023R&file=360.pdf&path=%2FACTS%2F2023R%2FPublic%2F&utm_source=chatgpt.com","text":"https://arkleg.state.ar.us/Acts/FTPDocument?ddBienniumSession=2023%2F2023R&file=360.pdf&path=%2FACTS%2F2023R%2FPublic%2F"}],[{"href":"https://arkleg.state.ar.us/Acts/FTPDocument?ddBienniumSession=2009%2FR&file=1455.pdf&path=%2FACTS%2F2009%2FPublic%2F&utm_source=chatgpt.com","text":"https://arkleg.state.ar.us/Acts/FTPDocument?ddBienniumSession=2009%2FR&file=1455.pdf&path=%2FACTS%2F2009%2FPublic%2F"}],[{"href":"https://arkleg.state.ar.us/Home/FTPDocument?path=%2FACTS%2F2013%2FPublic%2FACT1023.pdf&utm_source=chatgpt.com","text":"https://arkleg.state.ar.us/Home/FTPDocument?path=%2FACTS%2F2013%2FPublic%2FACT1023.pdf"}],[{"href":"https://arkleg.state.ar.us/Home/FTPDocument?path=%2FACTS%2F2015%2FPublic%2FACT1249.pdf&utm_source=chatgpt.com","text":"https://arkleg.state.ar.us/Home/FTPDocument?path=%2FACTS%2F2015%2FPublic%2FACT1249.pdf"}],[{"href":"https://webftp.blr.arkansas.gov/Home/FTPDocument?path=CAR%2FParts%2F17CARpt280.pdf&utm_source=chatgpt.com","text":"https://webftp.blr.arkansas.gov/Home/FTPDocument?path=CAR%2FParts%2F17CARpt280.pdf"}],[{"href":"https://www.arkleg.state.ar.us/Home/FTPDocument?path=%2FAssembly%2FMeeting+Attachments%2F049%2F27611%2FExhibit+C1+--+Arkansas+State+Board+of+Collection+Agencies+Report.pdf&utm_source=chatgpt.com","text":"https://www.arkleg.state.ar.us/Home/FTPDocument?path=%2FAssembly%2FMeeting+Attachments%2F049%2F27611%2FExhibit+C1+--+Arkansas+State+Board+of+Collection+Agencies+Report.pdf"}]],"rows":[["Source ID","Issuer/title/direct HTTPS URL","Actual scope, version, effect, and limits"],["S_AR-P06-S001","Arkansas General Assembly, Act 360 of 2023. https://arkleg.state.ar.us/Acts/FTPDocument?ddBienniumSession=2023%2F2023R&file=360.pdf&path=%2FACTS%2F2023R%2FPublic%2F","P: § 1 definition, printed pp.1–2/PDF0–1; material Board provisions also read. Relevant text and page image inspected. Approved March 21, 2023; exact default commencement not independently established."],["S_AR-P06-S002","Act 1455 of 2009. https://arkleg.state.ar.us/Acts/FTPDocument?ddBienniumSession=2009%2FR&file=1455.pdf&path=%2FACTS%2F2009%2FPublic%2F","P, selected §§2–3,5–9, printed pp.12–16/PDF11–15. Material definition, exclusions, licensing, application, historic fee/bond amendments; images pp.12,13,15 inspected. Entire conduct act not claimed read; exact commencement held."],["S_AR-P06-S003","Act 1023 of 2013. https://arkleg.state.ar.us/Home/FTPDocument?path=%2FACTS%2F2013%2FPublic%2FACT1023.pdf","P: §4 printed2–3/PDF1–2; §5 printed5/PDF4; §9 printed6–7/PDF5–6. Text/images. Approved April 10, 2013; emergency effective July 1, 2013; employee $20 provision expressly September 1, 2013."],["S_AR-P06-S004","Act 1249 of 2015. https://arkleg.state.ar.us/Home/FTPDocument?path=%2FACTS%2F2015%2FPublic%2FACT1249.pdf","P: §1, printed1–2/PDF0–1; text and material image. Retroactive-license and remedy language. Approved April 8, 2015; exact default commencement held."],["S_AR-P06-S005","Official 17 CAR Part 280, State Board of Collection Agencies Rules. https://webftp.blr.arkansas.gov/Home/FTPDocument?path=CAR%2FParts%2F17CARpt280.pdf","P: all material gateway provisions read. §§101–103 printed1–3/PDF0–2; §201 printed3–6/PDF2–5; §§202–205 printed6–9/PDF5–8; §301 printed9–10/PDF8–9; §§401–403 printed11–14/PDF10–13. Images of fees, tiers, renewal and claims pages inspected. PDF generated March 22, 2026—not legal effective date."],["S_AR-P06-S006","Board report to legislative committee, prepared August 18, 2025. https://www.arkleg.state.ar.us/Home/FTPDocument?path=%2FAssembly%2FMeeting+Attachments%2F049%2F27611%2FExhibit+C1+--+Arkansas+State+Board+of+Collection+Agencies+Report.pdf","G: report pages labeled1of2/2of2, PDF0–1, text/images. Charges and licensing information; not an adoption order or named-provider status. Remaining attachment pages not claimed fully read."]]},{"headers":["Source ID","Section/direct HTTPS URL","Operative 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ID","Section/direct HTTPS URL","Operative scope"],["S_AR-P06-S007","§17-24-101. https://law.justia.com/codes/arkansas/title-17/subtitle-2/chapter-24/subchapter-1/section-17-24-101/","Complete four-branch definition; S001 primary corroboration."],["S_AR-P06-S008","§17-24-102. https://law.justia.com/codes/arkansas/title-17/subtitle-2/chapter-24/subchapter-1/section-17-24-102/","Complete (a)–(c) exclusions and limitations; 2019 amendment chain incomplete."],["S_AR-P06-S009","§17-24-103. https://law.justia.com/codes/arkansas/title-17/subtitle-2/chapter-24/subchapter-1/section-17-24-103/","Complete operative (a)–(c); retroactive route/remedy boundary only applied."],["S_AR-P06-S010","§17-24-104. https://law.justia.com/codes/arkansas/title-17/subtitle-2/chapter-24/subchapter-1/section-17-24-104/","Remittance and consequences necessary to receipt model."],["S_AR-P06-S011","§17-24-203. https://law.justia.com/codes/arkansas/title-17/subtitle-2/chapter-24/subchapter-2/section-17-24-203/","Board rulemaking and federal-law coordination language."],["S_AR-P06-S012","§17-24-301. https://law.justia.com/codes/arkansas/title-17/subtitle-2/chapter-24/subchapter-3/section-17-24-301/","Complete unlicensed-activity prohibition."],["S_AR-P06-S013","§17-24-302. https://law.justia.com/codes/arkansas/title-17/subtitle-2/chapter-24/subchapter-3/section-17-24-302/","(a) age/entity qualifications; (b) law-enforcement restriction."],["S_AR-P06-S014","§17-24-303. https://law.justia.com/codes/arkansas/title-17/subtitle-2/chapter-24/subchapter-3/section-17-24-303/","Application information/references and nontransferability."],["S_AR-P06-S015","§17-24-304. https://law.justia.com/codes/arkansas/title-17/subtitle-2/chapter-24/subchapter-3/section-17-24-304/","Annual expiration/renewal language, read with rule and APA."],["S_AR-P06-S016","§17-24-305. https://law.justia.com/codes/arkansas/title-17/subtitle-2/chapter-24/subchapter-3/section-17-24-305/","Material subsection(a), agency ceiling and employee fee; no full fiscal-distribution analysis."],["S_AR-P06-S017","§17-24-306. https://law.justia.com/codes/arkansas/title-17/subtitle-2/chapter-24/subchapter-3/section-17-24-306/","Complete (a)–(d), bond range, aggregate liability, cancellation, payee and allocation."],["S_AR-P06-S018","§17-24-307. https://law.justia.com/codes/arkansas/title-17/subtitle-2/chapter-24/subchapter-3/section-17-24-307/","Grounds read; only application/ownership/aiding-unlicensed gateway used. Full conduct report deferred."],["S_AR-P06-S019","§17-24-308. https://law.justia.com/codes/arkansas/title-17/subtitle-2/chapter-24/subchapter-3/section-17-24-308/","Complete notice/hearing, review and continuation provisions."],["S_AR-P06-S020","§17-24-310. https://law.justia.com/codes/arkansas/title-17/subtitle-2/chapter-24/subchapter-3/section-17-24-310/","Annual client remittance notice."],["S_AR-P06-S021","§17-24-401. https://law.justia.com/codes/arkansas/title-17/subtitle-2/chapter-24/subchapter-4/section-17-24-401/","Nonresident activity, jurisdiction, fees and service-agent predicates."],["S_AR-P06-S022","§17-24-402. https://law.justia.com/codes/arkansas/title-17/subtitle-2/chapter-24/subchapter-4/section-17-24-402/","Preserved jurisdictional challenge."],["S_AR-P06-S023","§17-24-403. https://law.justia.com/codes/arkansas/title-17/subtitle-2/chapter-24/subchapter-4/section-17-24-403/","Nonresident litigation service and associated charge; not license-cost basket."],["S_AR-P06-S024","§17-24-404. https://law.justia.com/codes/arkansas/title-17/subtitle-2/chapter-24/subchapter-4/section-17-24-404/","Court-fixed litigation security, waiver and postponement."],["S_AR-P06-S025","§17-24-502. https://law.justia.com/codes/arkansas/title-17/subtitle-2/chapter-24/subchapter-5/section-17-24-502/","Consumer/debt/collector definitions and exclusions expressly scoped to that subchapter."],["S_AR-P06-S026","§17-1-108. https://law.justia.com/codes/arkansas/title-17/subtitle-1/chapter-1/section-17-1-108/","Complete (a)–(i), including entity definition, reciprocity/provisional requirements and financial-condition preservation."],["S_AR-P06-S027","§25-15-211. https://law.justia.com/codes/arkansas/title-25/chapter-15/subchapter-2/section-25-15-211/","Complete operative body; (b) pending-renewal protection and (c) adverse-action safeguards material."],["S_AR-P06-S028","§25-15-212. https://law.justia.com/codes/arkansas/title-25/chapter-15/subchapter-2/section-25-15-212/","Material (a)–(d), review timing and no-automatic-stay rule. Full judicial-review dossier not undertaken."]]},{"headers":["Source ID","Issuer/title/direct HTTPS URL","Read scope/version/status"],"index":12,"links":[{"href":"https://law.justia.com/cases/arkansas/supreme-court/2014/cv-14-45-0.html?utm_source=chatgpt.com","text":"https://law.justia.com/cases/arkansas/supreme-court/2014/cv-14-45-0.html"},{"href":"https://law.justia.com/cases/arkansas/supreme-court/2016/cv-16-248.html?utm_source=chatgpt.com","text":"https://law.justia.com/cases/arkansas/supreme-court/2016/cv-16-248.html"},{"href":"https://www.law.cornell.edu/uscode/text/15/1692a?utm_source=chatgpt.com","text":"https://www.law.cornell.edu/uscode/text/15/1692a"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1006/2/?utm_source=chatgpt.com","text":"https://www.consumerfinance.gov/rules-policy/regulations/1006/2/"},{"href":"https://www.supremecourt.gov/opinions/16pdf/16-349_c07d.pdf?utm_source=chatgpt.com","text":"https://www.supremecourt.gov/opinions/16pdf/16-349_c07d.pdf"},{"href":"https://law.justia.com/cases/federal/appellate-courts/ca8/19-3167/19-3167-2020-12-14.html?utm_source=chatgpt.com","text":"https://law.justia.com/cases/federal/appellate-courts/ca8/19-3167/19-3167-2020-12-14.html"},{"href":"https://www.govinfo.gov/content/pkg/USREPORTS-514/pdf/USREPORTS-514-291.pdf?utm_source=chatgpt.com","text":"https://www.govinfo.gov/content/pkg/USREPORTS-514/pdf/USREPORTS-514-291.pdf"},{"href":"https://www.arcounties.org/counties/?utm_source=chatgpt.com","text":"https://www.arcounties.org/counties/"}],"row_links":[[],[{"href":"https://law.justia.com/cases/arkansas/supreme-court/2014/cv-14-45-0.html?utm_source=chatgpt.com","text":"https://law.justia.com/cases/arkansas/supreme-court/2014/cv-14-45-0.html"}],[{"href":"https://law.justia.com/cases/arkansas/supreme-court/2016/cv-16-248.html?utm_source=chatgpt.com","text":"https://law.justia.com/cases/arkansas/supreme-court/2016/cv-16-248.html"}],[{"href":"https://www.law.cornell.edu/uscode/text/15/1692a?utm_source=chatgpt.com","text":"https://www.law.cornell.edu/uscode/text/15/1692a"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1006/2/?utm_source=chatgpt.com","text":"https://www.consumerfinance.gov/rules-policy/regulations/1006/2/"}],[{"href":"https://www.supremecourt.gov/opinions/16pdf/16-349_c07d.pdf?utm_source=chatgpt.com","text":"https://www.supremecourt.gov/opinions/16pdf/16-349_c07d.pdf"}],[{"href":"https://law.justia.com/cases/federal/appellate-courts/ca8/19-3167/19-3167-2020-12-14.html?utm_source=chatgpt.com","text":"https://law.justia.com/cases/federal/appellate-courts/ca8/19-3167/19-3167-2020-12-14.html"}],[{"href":"https://www.govinfo.gov/content/pkg/USREPORTS-514/pdf/USREPORTS-514-291.pdf?utm_source=chatgpt.com","text":"https://www.govinfo.gov/content/pkg/USREPORTS-514/pdf/USREPORTS-514-291.pdf"}],[{"href":"https://www.arcounties.org/counties/?utm_source=chatgpt.com","text":"https://www.arcounties.org/counties/"}]],"rows":[["Source ID","Issuer/title/direct HTTPS URL","Read scope/version/status"],["S_AR-P06-S029","Arkansas Supreme Court, Simpson, September 11, 2014. https://law.justia.com/cases/arkansas/supreme-court/2014/cv-14-45-0.html","R: material majority, printed pp.4–9 in reproduced body; both certified questions and Board-clarification treatment. No PDF index established."],["S_AR-P06-S030","Arkansas Supreme Court, CACH, December 8, 2016. https://law.justia.com/cases/arkansas/supreme-court/2016/cv-16-248.html","R: majority material pp.1–2,6–10; certification and retroactive-license defense posture. No full merits determination inferred."],["S_AR-P06-S031","15 U.S.C. §1692a, Cornell reproduction. https://www.law.cornell.edu/uscode/text/15/1692a","R: material definitions (3)–(6) and exclusions. Official OLRC routes failed; no official through-public-law currency certificate."],["S_AR-P06-S032","CFPB, 12 C.F.R. §1006.2. https://www.consumerfinance.gov/rules-policy/regulations/1006/2/","P: current posted regulation; relevant consumer, creditor, debt and collector definitions/exclusions and material interpretations. Not full Regulation F conduct analysis."],["S_AR-P06-S033","U.S. Supreme Court, Henson, June 12, 2017. https://www.supremecourt.gov/opinions/16pdf/16-349_c07d.pdf","P: material majority printed pp.1–9/PDF2–10; principal-purpose reservation and holding. Image printed3/PDF4 inspected. Not every closing page claimed read."],["S_AR-P06-S034","Eighth Circuit, Reygadas, December 14, 2020. https://law.justia.com/cases/federal/appellate-courts/ca8/19-3167/19-3167-2020-12-14.html","R: complete material twelve-page majority; status pp.6–10, disposition pp.11–12. Published; no PDF index asserted."],["S_AR-P06-S035","U.S. Supreme Court, Heintz, April 18, 1995. https://www.govinfo.gov/content/pkg/USREPORTS-514/pdf/USREPORTS-514-291.pdf","P: material majority printed292–297/PDF1–6; attorney coverage and statutory history. Image printed294/PDF3 inspected. Not every closing page claimed read."],["S_AR-P06-S036","Association of Arkansas Counties inventory. https://www.arcounties.org/counties/","G: all seventy-five county names read. Administrative inventory only."]]},{"headers":["Source ID","Exact routes","Actual status and consequence"],"index":13,"links":[{"href":"https://labor.arkansas.gov/licensing/arkansas-state-board-of-collection-agencies/?utm_source=chatgpt.com","text":"https://labor.arkansas.gov/licensing/arkansas-state-board-of-collection-agencies/"},{"href":"https://labor.arkansas.gov/licensing/arkansas-state-board-of-collection-agencies/licensing-forms-for-collection-agencies/?utm_source=chatgpt.com","text":"https://labor.arkansas.gov/licensing/arkansas-state-board-of-collection-agencies/licensing-forms-for-collection-agencies/"},{"href":"https://labor.arkansas.gov/licensing/arkansas-state-board-of-collection-agencies/faqs-for-collection-agencies/?utm_source=chatgpt.com","text":"https://labor.arkansas.gov/licensing/arkansas-state-board-of-collection-agencies/faqs-for-collection-agencies/"},{"href":"https://www.labor.arkansas.gov/wp-content/uploads/Surety-Bond.pdf?utm_source=chatgpt.com","text":"https://www.labor.arkansas.gov/wp-content/uploads/Surety-Bond.pdf"},{"href":"https://www.labor.arkansas.gov/wp-content/uploads/Retroactive-License-Application.pdf?utm_source=chatgpt.com","text":"https://www.labor.arkansas.gov/wp-content/uploads/Retroactive-License-Application.pdf"},{"href":"https://labor.arkansas.gov/licensing/arkansas-state-board-of-collection-agencies/search-for-licensed-collection-agencies/?utm_source=chatgpt.com","text":"https://labor.arkansas.gov/licensing/arkansas-state-board-of-collection-agencies/search-for-licensed-collection-agencies/"},{"href":"https://arkleg.state.ar.us/Home/FTPDocument?path=%2FACTS%2F2019R%2FPublic%2FACT386.pdf&utm_source=chatgpt.com","text":"https://arkleg.state.ar.us/Home/FTPDocument?path=%2FACTS%2F2019R%2FPublic%2FACT386.pdf"},{"href":"https://arkleg.state.ar.us/Acts/FTPDocument?ddBienniumSession=2019%2F2019R&file=386.pdf&path=%2FACTS%2F2019R%2FPublic%2F","text":"https://arkleg.state.ar.us/Acts/FTPDocument?ddBienniumSession=2019%2F2019R&file=386.pdf&path=%2FACTS%2F2019R%2FPublic%2F"},{"href":"https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title15-section1692a&num=0&edition=prelim","text":"https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title15-section1692a&num=0&edition=prelim"},{"href":"https://uscode.house.gov/us/usc/119-134/t15/s1692a/","text":"https://uscode.house.gov/us/usc/119-134/t15/s1692a/"},{"href":"https://www.law.cornell.edu/regulations/arkansas/235-15-21-Ark-Code-R-001?utm_source=chatgpt.com","text":"https://www.law.cornell.edu/regulations/arkansas/235-15-21-Ark-Code-R-001"}],"row_links":[[],[{"href":"https://labor.arkansas.gov/licensing/arkansas-state-board-of-collection-agencies/?utm_source=chatgpt.com","text":"https://labor.arkansas.gov/licensing/arkansas-state-board-of-collection-agencies/"},{"href":"https://labor.arkansas.gov/licensing/arkansas-state-board-of-collection-agencies/licensing-forms-for-collection-agencies/?utm_source=chatgpt.com","text":"https://labor.arkansas.gov/licensing/arkansas-state-board-of-collection-agencies/licensing-forms-for-collection-agencies/"},{"href":"https://labor.arkansas.gov/licensing/arkansas-state-board-of-collection-agencies/faqs-for-collection-agencies/?utm_source=chatgpt.com","text":"https://labor.arkansas.gov/licensing/arkansas-state-board-of-collection-agencies/faqs-for-collection-agencies/"},{"href":"https://www.labor.arkansas.gov/wp-content/uploads/Surety-Bond.pdf?utm_source=chatgpt.com","text":"https://www.labor.arkansas.gov/wp-content/uploads/Surety-Bond.pdf"},{"href":"https://www.labor.arkansas.gov/wp-content/uploads/Retroactive-License-Application.pdf?utm_source=chatgpt.com","text":"https://www.labor.arkansas.gov/wp-content/uploads/Retroactive-License-Application.pdf"},{"href":"https://labor.arkansas.gov/licensing/arkansas-state-board-of-collection-agencies/search-for-licensed-collection-agencies/?utm_source=chatgpt.com","text":"https://labor.arkansas.gov/licensing/arkansas-state-board-of-collection-agencies/search-for-licensed-collection-agencies/"}],[{"href":"https://arkleg.state.ar.us/Home/FTPDocument?path=%2FACTS%2F2019R%2FPublic%2FACT386.pdf&utm_source=chatgpt.com","text":"https://arkleg.state.ar.us/Home/FTPDocument?path=%2FACTS%2F2019R%2FPublic%2FACT386.pdf"},{"href":"https://arkleg.state.ar.us/Acts/FTPDocument?ddBienniumSession=2019%2F2019R&file=386.pdf&path=%2FACTS%2F2019R%2FPublic%2F","text":"https://arkleg.state.ar.us/Acts/FTPDocument?ddBienniumSession=2019%2F2019R&file=386.pdf&path=%2FACTS%2F2019R%2FPublic%2F"}],[{"href":"https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title15-section1692a&num=0&edition=prelim","text":"https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title15-section1692a&num=0&edition=prelim"},{"href":"https://uscode.house.gov/us/usc/119-134/t15/s1692a/","text":"https://uscode.house.gov/us/usc/119-134/t15/s1692a/"}],[{"href":"https://www.law.cornell.edu/regulations/arkansas/235-15-21-Ark-Code-R-001?utm_source=chatgpt.com","text":"https://www.law.cornell.edu/regulations/arkansas/235-15-21-Ark-Code-R-001"}]],"rows":[["Source ID","Exact routes","Actual status and consequence"],["S_AR-P06-S037","https://labor.arkansas.gov/licensing/arkansas-state-board-of-collection-agencies/ ; https://labor.arkansas.gov/licensing/arkansas-state-board-of-collection-agencies/licensing-forms-for-collection-agencies/ ; https://labor.arkansas.gov/licensing/arkansas-state-board-of-collection-agencies/faqs-for-collection-agencies/ ; https://www.labor.arkansas.gov/wp-content/uploads/Surety-Bond.pdf ; https://www.labor.arkansas.gov/wp-content/uploads/Retroactive-License-Application.pdf ; https://labor.arkansas.gov/licensing/arkansas-state-board-of-collection-agencies/search-for-licensed-collection-agencies/","F: returned 403/access errors. No generated application completed, registry query submitted, or form contents inferred. Official rules and legislative report were successful independent alternatives for specified requirements—not replacements for unseen form fields."],["S_AR-P06-S038","https://arkleg.state.ar.us/Home/FTPDocument?path=%2FACTS%2F2019R%2FPublic%2FACT386.pdf ; https://arkleg.state.ar.us/Acts/FTPDocument?ddBienniumSession=2019%2F2019R&file=386.pdf&path=%2FACTS%2F2019R%2FPublic%2F","F: both official routes timed out. §9 body not obtained. No repeated unchanged route or fabricated primary amendment read."],["S_AR-P06-S039","https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title15-section1692a&num=0&edition=prelim ; https://uscode.house.gov/us/usc/119-134/t15/s1692a/","F: first route returned 404; alternative body inaccessible. Cornell statutory reproduction and CFPB regulation retained their actual evidentiary status."],["S_AR-P06-S040","Historical rule reproduction: https://www.law.cornell.edu/regulations/arkansas/235-15-21-Ark-Code-R-001","R: historical rule body/revision information read, marked effective December 9, 2021. Corroboration only; current findings rely on official CAR body S005."]]},{"headers":["Claim ID","Actor/predicate","Required step or legal consequence","Evidence; limits/confidence"],"index":14,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Claim ID","Actor/predicate","Required step or legal consequence","Evidence; limits/confidence"],["S_AR-P06-C001","Collection-agency applicant","Board is responsible regulator within Department of Labor and Licensing.","S005 §102; S011. Verified official rule."],["C002","Person/entity performs statutory activity","Apply four branches of collection-agency definition.","S001 §1; S007. Verified enactment; actual conduct required."],["C003","Covered nonexempt actor","License required before covered activity.","S012; S002 licensing amendment. Current chain partial."],["C004","Business-only or mixed collector","Do not import household-purpose limitation into licensing definition.","S007/S012 versus S025. High textual distinction."],["C005","Original creditor in true own name","Ordinary originated-debt collection may fall outside definition on stated facts.","S007; bounded inference, not blanket exemption."],["C006","Own-debt collector uses other name","Other-name branch can independently trigger coverage.","S007/S012. Verified text."],["C007","Purchaser of performing accounts","Establish value, nondefault at acquisition, and own-name collection.","S008(a)(10). Current primary chain partial."],["C008","Defaulted-debt purchaser outsources","Outsourcing does not eliminate purchaser’s licensing obligation on Simpson facts.","S029. Verified holding."],["C009","Allegedly passive owner","Distinguish genuine inactivity from hiring collection agents.","S007/S029. Inert-investment application held."],["C010","Servicer/assignee","No universal state predefault-servicer or assignment exemption established.","S007/S008. Actual rights and conduct held."],["C011","Affiliate collector","Separate entity does not automatically satisfy employee exclusion.","S008(a)(1). Fact-dependent inference."],["C012","Employee of one creditor","Must be regular employee of a single creditor.","S008(a)(1). Salary label alone insufficient."],["C013","Attorney collecting own/firm debt","Own-name/firm-name exclusion has stated conditions.","S008(a)(8). Verified displayed text."],["C014","Arkansas attorney for client","Actual Arkansas licensure and legal services required; exclusion not inherited by client/vendor.","S008(b); S029. 2019 chain hold."],["C015","Bank/trust/S&L","Establish actual listed institutional status.","S008(a)(2)–(4). No automatic affiliate/credit-union extension."],["C016","Other listed excluded business","Apply escrow, real-estate, and regulated-company activity conditions.","S008(a)(5)–(7). No general commercial exemption."],["C017","Court-order handler","Actual court-order predicate; private non-IV-D child-support exception remains.","S008(a)(9). Full support family deferred."],["C018","Nonprofit/fiduciary actor","No blanket licensing exclusion established merely from label.","S008 complete list. Other laws may matter."],["C019","Foreclosure actor","State provision is limited to specified activity; does not decide all current federal law.","S008(c). Foreclosure deferred."],["C020","Out-of-state agency","Test §401 remote-activity predicates and related consequences.","S021–S024. Exact nexus facts held."],["C021","Actor relies on 2012 clarification","Simpson rejected presented outsourced-debt-buyer exemption interpretation.","S029. Original administrative body not separately read."],["C022","Digital/isolated remote contact","No universal minimum-contact or one-contact rule established.","S021/S029; missing application authority. Held."],["C023","Out-of-state credential holder","Establish §17-1-108 conditions; entity can be included.","S026(a)–(i). Primary chain partial."],["C024","Provisional applicant","Statute calls for qualifying temporary/provisional procedure; foreign license is not automatic grant.","S026(c)–(g). Board implementation/form held."],["C025","Manager credit-report waiver","Qualifying substantially similar good-standing license may support waiver.","S005 §201(b)(3). Not bond/license exemption."]]},{"headers":["Claim ID","Actor/predicate","Step, clock, or consequence","Evidence; limits/confidence"],"index":15,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Claim ID","Actor/predicate","Step, clock, or consequence","Evidence; limits/confidence"],["C026","Applicant/partners/corporation","Satisfy statutory age alternatives.","S013(a). Actual eligibility absent."],["C027","Law-enforcement officer","Stated licensing/collector restriction applies.","S013(b). Actual role required."],["C028","Applicant","Written director-form application and required information/references.","S014; S005 §201(a),401. Form body held."],["C029","Agency manager","Register at least one manager; satisfy stated credit-reputation conditions.","S005 §201(b). No private credit findings."],["C030","Agency applicant/renewal","$125 required agency charge under rule; statute sets ceiling.","S016(a); S005 §§201/204; S006. Verified amount."],["C031","Covered employee","$20 registration each licensing period; historical $15 not current.","S003 §4; S016(a); S005 §201(e)."],["C032","Licensee hires employee","Report covered employee and remit fee within ninety days.","S005 §201(e)(1). Actual calendar not calculated."],["C033","Agency maintains aliases/registrations","Periodic listing and one-year post-termination retention requirements.","S005 §201(e)(2)–(3). Verified rule."],["C034","Multiple offices/locations","Separate license and bond for each.","S005 §201(c). Remote-home and counting scope held."],["C035","Ownership transaction","License nontransferable; 50% threshold requires prompt written notice.","S014(b); S005 §201(d),203. No 49% safe harbor."],["C036","Address changes","Timely notice; bond carries current physical address.","S005 §201(f). Actual endorsement facts held."],["C037","Annual license holder","Read statutory cycle together with rules and APA.","S015; S005 §204; S027. No invented grace period."],["C038","Newly issued license","Apply March–December versus January–February expiration rule.","S005 §204(a). Actual grant date required."],["C039","Renewal applicant","Updated documents and same licensing/employee fees.","S005 §204(b). Form completeness held."],["C040","Late/nonrenewing holder","Rule supplies expiration/new-application consequences; reminder absence no excuse.","S005 §204(c). APA qualification remains."],["C041","Timely sufficient continuing-license applicant","Existing license continues under APA through specified determination/review period.","S027(b). Sufficiency and application facts required."],["C042","Initial/pending applicant","Filing/payment alone is not license grant.","S012/S014/S027; classification of procedural status required."],["C043","Director finds deficiency","Written denial reasons within rule’s ten-business-day framework.","S005 §205(a). Not routine issuance deadline."],["C044","Applicant appeals director denial","Written Board appeal within thirty days of receipt.","S005 §205(b). No actual deadline computed."],["C045","Applicant seeks funds back","Rule permits return upon timely written request; no unconditional refund.","S005 §205(c). Actual decision/request required."],["C046","Board investigates","May verify application/renewal and demand specified supporting materials.","S005 §401; S014. Fixed extra investigation fee not established."],["C047","Variance requested","Procedural variance cannot waive statutory mandate; substantive requests have separate process.","S005 §103. No granted variance assumed."],["C048","Agency ceases/transfers/loses bond","Rule lists termination events.","S005 §203. Actual event and statutory continuation interaction held."],["C049","Retroactive applicant","$10,000 civil penalty plus other licensing requirements.","S004; S009; S005 §202. Not ordinary fee."],["C050","Retroactive license issued","Past interval ends at issuance; future activity requires regular license.","S005 §202(b)–(c). No actual grant inferred."],["C051","Retroactive defense asserted","CACH did not decide full merits effect in class-certification appeal.","S030. Verified procedural holding."],["C052","Private-remedy consequence asserted","Statute/rule interaction remains unresolved in this limited gateway.","S009(b)–(c); S005 §402(a)(2). No blanket immunity/recovery."],["C053","Board adverse action","Statutory hearing notice at least twenty days; Board order required.","S019(a). Full disciplinary merits deferred."],["C054","Party seeks court review","Section308 states thirty days from Board decision and named circuit route.","S019(b); S028. Current procedural harmonization held."],["C055","License holder appeals","Specific continuation provision must be distinguished from general no-automatic-stay rule.","S019(c),S027,S028(c). Actual appeal/order required."],["C056","Public application/lookup used","Submission, review, grant and named status are distinct.","S005/S037. No actual provider inquiry."],["C057","Cost estimate includes extras","No fixed additional late/investigation/branch surcharge or CPI formula verified.","S005/S016/S006. Unknown is not zero."]]},{"headers":["Claim ID","Actor/predicate","Step, clock, or consequence","Evidence; limits/confidence"],"index":16,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Claim ID","Actor/predicate","Step, clock, or consequence","Evidence; limits/confidence"],["C058","Licensee obtains security","Statutory $10,000–$50,000 range per location; Board approval required.","S003 §5; S017(a)."],["C059","Collector count established","Rule tiers are $10,000/$20,000/$25,000 at stated count boundaries.","S005 §201(a)(2). Not receipts-based."],["C060","Count disputed","FTE/location/global/snapshot/manager details not fully specified in bodies read.","S005 §§101/201. Exact methodology held."],["C061","Cost/coverage accounting","Penal sum, premium, collateral, fee and debtor obligation differ.","S017/S005; accounting distinction."],["C062","Surety/form qualification","Board-approved security required; unseen form execution terms not established.","S017(a); S037. Held form-level conditions."],["C063","Bond issued","Payee is Board.","S017(c); S005 §201(a)(2)."],["C064","Multiple breaches/claimants","Aggregate surety liability cannot exceed penal sum.","S017(b). Not per-claim entitlement."],["C065","Surety cancels","Thirty-day Board notice; stated future-breach release does not automatically erase earlier breaches.","S017(b); S005 §203. Actual effective date required."],["C066","Board finds client nonpayment","Rule403 directs bond-claim pathway.","S005 §403(a). Other claim classes not universally decided."],["C067","Board notifies interested parties","Certified mail and/or specified two-week statewide publication.","S005 §403(b)(1). Actual notice absent."],["C068","Claimant responds","Claim within ninety days of notice date, with identity/itemization/support.","S005 §403(b)(2). No actual deadline or award."],["C069","Board adjudicates claims","Hearing, approval/denial, pro-rata shortage allocation; possible surplus return.","S005 §403(b)(3). Full surety litigation deferred."],["C070","Nonresident sued under special route","§404 litigation security is separate from license bond.","S022–S024. Court-fixed amount; not licensing tier."],["C071","Agency receives client collection","Credit debtor and client accounts.","S005 §301(a). No double credit upon remittance."],["C072","Agency holds collected client money","Remit by end of following calendar month.","S010; S005 §301(b). Actual valid returns/credits required."],["C073","Agency remits late","Stated fee-loss/full-remittance and disciplinary conditions apply.","S010; S005 §301(b)(1). Full penalties not assessed."],["C074","Annual client notice","April notice; rule exception for Arkansas-licensee clients.","S020; S005 §301(b)(2)."],["C075","Agency estimates costs","Regulatory costs and bond amount are not automatically added to debtor balance.","Separate obligations; no contractual/legal basis established."]]},{"headers":["Claim ID","Actor/predicate","Step, consequence, or boundary","Evidence; limits/confidence"],"index":17,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Claim ID","Actor/predicate","Step, consequence, or boundary","Evidence; limits/confidence"],["C076","Federal coverage considered","Establish natural-person consumer and household-purpose debt predicates.","S031(3)–(5); S032."],["C077","Creditor/debt owner","Apply creditor definition and default-assignment-for-another qualification.","S031(4); S032. Ownership label insufficient."],["C078","Collector status considered","Principal-purpose and regular-another-debt branches are distinct.","S031(6); S032."],["C079","Buyer relies on Henson","Holding concerns “owed another” branch; principal-purpose left open.","S033. Verified holding."],["C080","Outsourced default-debt business","Reygadas permits principal-purpose status on its facts.","S034. Separate liability disposition preserved."],["C081","Employee/affiliate claims federal exclusion","Own-name employee and qualifying affiliate conditions differ from Arkansas licensing.","S031(6)(A)–(B); S032."],["C082","Fiduciary/originator/predefault/commercial secured actor","Apply specific federal activity exclusions, not a generic state exemption.","S031(6)(F); S032."],["C083","Government/process/nonprofit actor","Establish each federal exclusion’s actual conditions.","S031(6)(C)–(E); S032."],["C084","Lawyer regularly collects consumer debt","No blanket federal lawyer exemption; Heintz includes litigation activity.","S035."],["C085","Reader combines regimes","State license, federal status, debtor-side permission and debt validity remain separate.","S007/S008/S031–S035."],["C086","Reader assesses precedent","Five responsive opinions read; no full citator or universal absence conclusion.","S029–S035. Partial later-treatment coverage."],["C087","Reader assesses statutes","Selected primary acts plus 2025 mirrors do not authenticate whole October2026 Code.","S001–S004,S007–S028."],["C088","Reader assesses rules","Official codified body read; original final adoption chain not wholly obtained.","S005/S040. Footer/generation date not commencement."],["C089","Reader assesses attorney text","Act386§9 body failed; current mirror wording retains that chain limitation.","S008/S038."],["C090","Any actual application","Forms/status/private facts unverified; no license or exemption decision made.","S037 and research scope."]]},{"headers":["Row","Requested issue","Status / claims","Exact remaining evidence or next action"],"index":18,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Row","Requested issue","Status / claims","Exact remaining evidence or next action"],["K01","State actor definition","Primary enactment read; C001–C003","Actual activities and later complete Code chain."],["K02","Consumer/business distinction","Textual distinction established; C004","Particular debt/transaction for federal or consumer-subchapter application."],["K03","Original creditor/other name","Partial application; C005–C006","Origination, ownership and actual names used."],["K04","Performing-account purchase","Conditional exclusion read; C007","Consideration and acquisition-time status."],["K05","Default purchase/outsourcing","Holding read; C008","Actual purchase/collection arrangement and current treatment."],["K06","Passive owner/assignee","Held in part; C009","Beneficial ownership and actual collection activity."],["K07","Servicer","No blanket exemption established; C010","Servicing contract, acquisition rights, solicitation and delinquency facts."],["K08","Affiliate/employee","Conditional distinction; C011–C012","Entity/employment relationship and number of creditors served."],["K09","Attorney/firm","Text/holding read; C013–C014","Actual Arkansas licensure, legal services, entity separation; 2019 act."],["K10","Institutions/fiduciaries","Exclusions read; C015–C018","Charter/status, court order and activity predicates."],["K11","Remaining statutory exclusions","Complete list addressed; C016–C019","Particular real-estate, escrow, support or foreclosure facts."],["K12","Remote activity","Statute/holding read; C020–C022","Specific contacts and constitutional/interstate application."],["K13","Reciprocity/provisional route","Statute and limited rule read; C023–C025","Board’s current implemented form/workflow and qualifying credential facts."],["K14","Applicant/manager qualifications","Text/rules read; C026–C029","Actual qualification and authorized credit information."],["K15","Application and issue","Partial; C028,C042,C056","Current readable official application and grant record."],["K16","Fees and employee registration","Amounts/rules verified; C030–C033","Actual employee count/roles and period."],["K17","Locations/ownership/address","Rules read; C034–C036","Remote-office interpretation, transaction and bond endorsement."],["K18","Renewal/cycle/lapse","Partial integration; C037–C042","Timely sufficiency, actual decision and continuation application."],["K19","Denial/refund/internal appeal","Rule read; C043–C045","Actual notice, request and present calendar rules."],["K20","Investigation/variance","Authority read; C046–C047","Specific demand, variance, and any separately authorized charge."],["K21","Retroactive route","Statute/rule read; C049–C052","Actual issuance and unresolved private-remedy effect."],["K22","Hearing/court review","Partial; C053–C055","Current procedural harmonization and actual order."],["K23","Bond range/tier","Verified text; C058–C060","Collector-count methodology and particular location application."],["K24","Surety conditions/cancellation","Partial; C062–C065","Current blank bond, endorsement and cancellation facts."],["K25","Bond claim procedure","Rule read; C066–C069","Actual Board finding, notice, claimant status and adjudication."],["K26","Nonresident litigation security","Boundary established; C070","Actual proceeding, service, assets and court determination."],["K27","Receipt/remittance model","Narrow rules read; C071–C075","Actual client contract, valid credits/returns and ledger."],["K28","Federal actor comparison","Definitions/holdings read; C076–C085","Actual principal purpose, regularity, ownership and debt purpose."]]},{"headers":["Row","Authority family","Status","Exact next evidence"],"index":19,"links":[],"row_links":[[],[],[],[],[],[],[],[],[]],"rows":[["Row","Authority family","Status","Exact next evidence"],["Q01","State definition","Act360/2023 plus mirror","Complete later amendment/nonsupersession chain."],["Q02","Exclusions","Current mirror plus selected 2009 enactment","Readable Act386/2019§9 and any later relevant enactment."],["Q03","Charges/bond","Act1023/2013 and official rule","Full intervening/current integrated Code confirmation."],["Q04","Retroactive/remedies","Act1249 and rule read","Controlling harmonization of statute/rule/private-remedy provisions."],["Q05","Official rules","Current CAR body read","Original final adoption/filing instruments and any uncodified later change."],["Q06","General reciprocity/APA","Full material secondary bodies","Current official statutory bodies and responsive implementation decisions."],["Q07","Federal definitions/cases","CFPB, statutory reproduction and primary opinions","Official current FDCPA text and complete later treatment."],["Q08","Public forms/status","Routes failed","Readable current forms, bond and generic lookup instructions; no named query authorized here."]]},{"headers":["Row","Model","What is established","What remains conditional"],"index":20,"links":[],"row_links":[[],[],[],[]],"rows":[["Row","Model","What is established","What remains conditional"],["M01","License charges/premium/collateral","Government arithmetic and separation of expense, collateral and penal sum","Actual grant, employee treatment, premium, collateral and accounting."],["M02","Bond tiers","Piecewise collector-count calculation","Correct measurement unit, location scope and Board-approved count."],["M03","Receipts/remittance/balance","Cash and debtor/client balances reconcile without duplicate credit","Validity of payments/returns/interest, remittance compliance and any claim."]]},{"headers":["Row","Family","Remaining investigation"],"index":21,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Row","Family","Remaining investigation"],["D01","Debt adjusting/settlement","Separate definitions, permission and fee framework; not inferred from collection license."],["D02","Credit repair/CROA","Prior-pass qualification remains separate."],["D03","Full client agreements/trust funds","Contract, custody, segregation and fiduciary requirements beyond narrow receipt model."],["D04","Full surety claims/litigation","Covered claims, defenses, remedies, limitations and enforcement."],["D05","Collection communications/validation","Complete state and federal conduct/disclosure requirements."],["D06","Underlying evidence/service/default","Debt validity, standing, proof and civil procedure."],["D07","Limitations/judgment revival","PASS-05 not adopted as premise; separate review remains."],["D08","Wages/banks/property","Separate enforcement and exemption regimes."],["D09","Secured debt/foreclosure/sectors","Real-property, vehicle, support, tax and other special regimes."],["D10","Full penalties/UDAP/private remedies","Statute/rule conflict and causes of action not resolved here."],["D11","Local/tribal/interstate/federal systems","Particular territorial, sovereign, preemption and administrative requirements."]]},{"headers":["Row","County","Individual status / next action"],"index":22,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Row","County","Individual status / next action"],["T001","Arkansas","Local practice unverified; L."],["T002","Ashley","Local practice unverified; L."],["T003","Baxter","Local practice unverified; L."],["T004","Benton","Local practice unverified; L."],["T005","Boone","Local practice unverified; L."],["T006","Bradley","Local practice unverified; L."],["T007","Calhoun","Local practice unverified; L."],["T008","Carroll","Local practice unverified; L."],["T009","Chicot","Local practice unverified; L."],["T010","Clark","Local practice unverified; L."],["T011","Clay","Local practice unverified; L."],["T012","Cleburne","Local practice unverified; L."],["T013","Cleveland","Local practice unverified; L."],["T014","Columbia","Local practice unverified; L."],["T015","Conway","Local practice unverified; L."],["T016","Craighead","Local practice unverified; L."],["T017","Crawford","Prior garnishment material is not licensing-practice authentication; L."],["T018","Crittenden","Local practice unverified; L."],["T019","Cross","Local practice unverified; L."],["T020","Dallas","Local practice unverified; L."],["T021","Desha","Local practice unverified; L."],["T022","Drew","Local practice unverified; L."],["T023","Faulkner","Local practice unverified; L."],["T024","Franklin","Local practice unverified; L."],["T025","Fulton","Local practice unverified; L."],["T026","Garland","Local practice unverified; L."],["T027","Grant","Local practice unverified; L."],["T028","Greene","Local practice unverified; L."],["T029","Hempstead","Local practice unverified; L."],["T030","Hot Spring","Local practice unverified; L."],["T031","Howard","Local practice unverified; L."],["T032","Independence","Local practice unverified; L."],["T033","Izard","Local practice unverified; L."],["T034","Jackson","Local practice unverified; L."],["T035","Jefferson","Local practice unverified; L."],["T036","Johnson","Local practice unverified; L."],["T037","Lafayette","Local practice unverified; L."],["T038","Lawrence","Local practice unverified; L."],["T039","Lee","Local practice unverified; L."],["T040","Lincoln","Local practice unverified; L."],["T041","Little River","Local practice unverified; L."],["T042","Logan","Local practice unverified; L."],["T043","Lonoke","Local practice unverified; L."],["T044","Madison","Local practice unverified; L."],["T045","Marion","Local practice unverified; L."],["T046","Miller","Local practice unverified; L."],["T047","Mississippi","Local practice unverified; L."],["T048","Monroe","Local practice unverified; L."],["T049","Montgomery","Local practice unverified; L."],["T050","Nevada","Local practice unverified; L."],["T051","Newton","Local practice unverified; L."],["T052","Ouachita","Local practice unverified; L."],["T053","Perry","Local practice unverified; L."],["T054","Phillips","Local practice unverified; L."],["T055","Pike","Local practice unverified; L."],["T056","Poinsett","Local practice unverified; L."],["T057","Polk","Local practice unverified; L."],["T058","Pope","Local practice unverified; L."],["T059","Prairie","Local practice unverified; L."],["T060","Pulaski","Statutory Board-review venue identified; current local review practice unverified; L."],["T061","Randolph","Local practice unverified; L."],["T062","Saline","Local practice unverified; L."],["T063","Scott","Local practice unverified; L."],["T064","Searcy","Local practice unverified; L."],["T065","Sebastian","Local practice unverified; L."],["T066","Sevier","Local practice unverified; L."],["T067","Sharp","Local practice unverified; L."],["T068","St. Francis","Local practice unverified; L."],["T069","Stone","Local practice unverified; L."],["T070","Union","Local practice unverified; L."],["T071","Van Buren","Local practice unverified; L."],["T072","Washington","Prior Elkins material is not licensing-practice authentication; L."],["T073","White","Local practice unverified; L."],["T074","Woodruff","Local practice unverified; L."],["T075","Yell","Local practice unverified; L."]]},{"headers":["Row","Issue","Exact remaining inquiry"],"index":23,"links":[],"row_links":[[],[],[],[],[]],"rows":[["Row","Issue","Exact remaining inquiry"],["T076","Multiple locations/remote workers","Whether actual workspaces are separate offices; count allocation and bond endorsements."],["T077","Interstate business/reciprocity","Actual contacts, foreign credential, provisional procedure, constitutional limits and nonresident litigation security."],["T078","Tribal nexus","Particular sovereign’s law, jurisdiction, immunity and recognition; none presumed."],["T079","Federal/government actor or court route","Applicable federal exclusion, preemption, official-duty and procedural authority; no universal exemption."]]},{"headers":["Original reviewed row","PASS-06 contribution","Remaining scope"],"index":24,"links":[],"row_links":[[],[]],"rows":[["Original reviewed row","PASS-06 contribution","Remaining scope"],["Topic: Civil remedies, collection, litigation, limitations. Status: Later pass. Original Claims: —. What was resolved: §303 referenced only as necessary. Exact missing investigation: Full remedies, private rights, UDAP, limitations, criminal enforcement.","Adds only the collection-agency actor, license, exemption, security, and public-procedure gateway, with the source/currentness/application holds above.","Does not accept the full row, Arkansas component, parent dossier, A066, A097 or A098. Other legal families and actual-provider status remain open."]]}],"claims":[{"claim_id":"S_AR-P06-C001","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AR-P06-C001","Actor/predicate":"Collection-agency applicant","Required step or legal consequence":"Board is responsible regulator within Department of Labor and Licensing.","Evidence; limits/confidence":"S005 §102; S011. Verified official rule."},"coordinator_verification_status":"scoped_atomic_reconciliation_with_selected_primary_and_holds","coordinator_pass_scoped_alias":"S_AR-P06-C001","coordinator_source_ids":["S_AR-P06-S005","S_AR-P06-S011"],"coordinator_related_claim_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T06:12:32.968053+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","original_locations":[[49310,49465]],"unreopened_or_failed_source_ids":["S_AR-P06-S011"],"material_correction_ids":[],"scope":"Wholeatomicrowread/alias/sourcecrosswalkresolved;selectedoperativebodiesonlysupported. Allsecondary/currentness/failed/unread/judicial/actualapplicationholdsremain;notallclaimacceptance.","independent_state_component_parent_accepted":false}},{"claim_id":"S_AR-C002","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C002","Actor/predicate":"Person/entity performs statutory activity","Required step or legal consequence":"Apply four branches of collection-agency definition.","Evidence; limits/confidence":"S001 §1; S007. Verified enactment; actual conduct required."},"coordinator_verification_status":"scoped_atomic_reconciliation_with_selected_primary_and_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_pass_scoped_alias":"S_AR-P06-C002","coordinator_source_ids":["S_AR-P06-S001","S_AR-P06-S007"],"coordinator_related_claim_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T06:12:32.968053+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","original_locations":[[49466,49625]],"unreopened_or_failed_source_ids":["S_AR-P06-S001","S_AR-P06-S007"],"material_correction_ids":[],"scope":"Wholeatomicrowread/alias/sourcecrosswalkresolved;selectedoperativebodiesonlysupported. Allsecondary/currentness/failed/unread/judicial/actualapplicationholdsremain;notallclaimacceptance.","independent_state_component_parent_accepted":false}},{"claim_id":"S_AR-C003","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C003","Actor/predicate":"Covered nonexempt actor","Required step or legal consequence":"License required before covered activity.","Evidence; limits/confidence":"S012; S002 licensing amendment. Current chain partial."},"coordinator_verification_status":"scoped_atomic_reconciliation_with_selected_primary_and_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_pass_scoped_alias":"S_AR-P06-C003","coordinator_source_ids":["S_AR-P06-S012","S_AR-P06-S002"],"coordinator_related_claim_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T06:12:32.968053+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","original_locations":[[49626,49751]],"unreopened_or_failed_source_ids":["S_AR-P06-S012","S_AR-P06-S002"],"material_correction_ids":[],"scope":"Wholeatomicrowread/alias/sourcecrosswalkresolved;selectedoperativebodiesonlysupported. Allsecondary/currentness/failed/unread/judicial/actualapplicationholdsremain;notallclaimacceptance.","independent_state_component_parent_accepted":false}},{"claim_id":"S_AR-C004","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C004","Actor/predicate":"Business-only or mixed collector","Required step or legal consequence":"Do not import household-purpose limitation into licensing definition.","Evidence; limits/confidence":"S007/S012 versus S025. High textual distinction."},"coordinator_verification_status":"scoped_atomic_reconciliation_with_selected_primary_and_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_pass_scoped_alias":"S_AR-P06-C004","coordinator_source_ids":["S_AR-P06-S007","S_AR-P06-S012","S_AR-P06-S025"],"coordinator_related_claim_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T06:12:32.968053+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","original_locations":[[49752,49908]],"unreopened_or_failed_source_ids":["S_AR-P06-S007","S_AR-P06-S012","S_AR-P06-S025"],"material_correction_ids":[],"scope":"Wholeatomicrowread/alias/sourcecrosswalkresolved;selectedoperativebodiesonlysupported. Allsecondary/currentness/failed/unread/judicial/actualapplicationholdsremain;notallclaimacceptance.","independent_state_component_parent_accepted":false}},{"claim_id":"S_AR-C005","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C005","Actor/predicate":"Original creditor in true own name","Required step or legal consequence":"Ordinary originated-debt collection may fall outside definition on stated facts.","Evidence; limits/confidence":"S007; bounded inference, not blanket exemption."},"coordinator_verification_status":"scoped_atomic_reconciliation_with_selected_primary_and_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_pass_scoped_alias":"S_AR-P06-C005","coordinator_source_ids":["S_AR-P06-S007"],"coordinator_related_claim_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T06:12:32.968053+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","original_locations":[[49909,50077]],"unreopened_or_failed_source_ids":["S_AR-P06-S007"],"material_correction_ids":[],"scope":"Wholeatomicrowread/alias/sourcecrosswalkresolved;selectedoperativebodiesonlysupported. Allsecondary/currentness/failed/unread/judicial/actualapplicationholdsremain;notallclaimacceptance.","independent_state_component_parent_accepted":false}},{"claim_id":"S_AR-C006","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C006","Actor/predicate":"Own-debt collector uses other name","Required step or legal consequence":"Other-name branch can independently trigger coverage.","Evidence; limits/confidence":"S007/S012. Verified text."},"coordinator_verification_status":"scoped_atomic_reconciliation_with_selected_primary_and_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_pass_scoped_alias":"S_AR-P06-C006","coordinator_source_ids":["S_AR-P06-S007","S_AR-P06-S012"],"coordinator_related_claim_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T06:12:32.968053+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","original_locations":[[50078,50197]],"unreopened_or_failed_source_ids":["S_AR-P06-S007","S_AR-P06-S012"],"material_correction_ids":[],"scope":"Wholeatomicrowread/alias/sourcecrosswalkresolved;selectedoperativebodiesonlysupported. Allsecondary/currentness/failed/unread/judicial/actualapplicationholdsremain;notallclaimacceptance.","independent_state_component_parent_accepted":false}},{"claim_id":"S_AR-C007","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C007","Actor/predicate":"Purchaser of performing accounts","Required step or legal consequence":"Establish value, nondefault at acquisition, and own-name collection.","Evidence; limits/confidence":"S008(a)(10). Current primary chain partial."},"coordinator_verification_status":"scoped_atomic_reconciliation_with_selected_primary_and_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_pass_scoped_alias":"S_AR-P06-C007","coordinator_source_ids":["S_AR-P06-S008"],"coordinator_related_claim_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T06:12:32.968053+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","original_locations":[[50198,50348]],"unreopened_or_failed_source_ids":["S_AR-P06-S008"],"material_correction_ids":[],"scope":"Wholeatomicrowread/alias/sourcecrosswalkresolved;selectedoperativebodiesonlysupported. Allsecondary/currentness/failed/unread/judicial/actualapplicationholdsremain;notallclaimacceptance.","independent_state_component_parent_accepted":false}},{"claim_id":"S_AR-C008","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C008","Actor/predicate":"Defaulted-debt purchaser outsources","Required step or legal consequence":"Outsourcing does not eliminate purchaser’s licensing obligation on Simpson facts.","Evidence; limits/confidence":"S029. Verified holding."},"coordinator_verification_status":"scoped_atomic_reconciliation_with_selected_primary_and_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_pass_scoped_alias":"S_AR-P06-C008","coordinator_source_ids":["S_AR-P06-S029"],"coordinator_related_claim_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T06:12:32.968053+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","original_locations":[[50349,50495]],"unreopened_or_failed_source_ids":[],"material_correction_ids":[],"scope":"Wholeatomicrowread/alias/sourcecrosswalkresolved;selectedoperativebodiesonlysupported. Allsecondary/currentness/failed/unread/judicial/actualapplicationholdsremain;notallclaimacceptance.","independent_state_component_parent_accepted":false}},{"claim_id":"S_AR-C009","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C009","Actor/predicate":"Allegedly passive owner","Required step or legal consequence":"Distinguish genuine inactivity from hiring collection agents.","Evidence; limits/confidence":"S007/S029. Inert-investment application held."},"coordinator_verification_status":"scoped_atomic_reconciliation_with_selected_primary_and_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_pass_scoped_alias":"S_AR-P06-C009","coordinator_source_ids":["S_AR-P06-S007","S_AR-P06-S029"],"coordinator_related_claim_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T06:12:32.968053+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","original_locations":[[50496,50632]],"unreopened_or_failed_source_ids":["S_AR-P06-S007"],"material_correction_ids":[],"scope":"Wholeatomicrowread/alias/sourcecrosswalkresolved;selectedoperativebodiesonlysupported. Allsecondary/currentness/failed/unread/judicial/actualapplicationholdsremain;notallclaimacceptance.","independent_state_component_parent_accepted":false}},{"claim_id":"S_AR-C010","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C010","Actor/predicate":"Servicer/assignee","Required step or legal consequence":"No universal state predefault-servicer or assignment exemption established.","Evidence; limits/confidence":"S007/S008. Actual rights and conduct held."},"coordinator_verification_status":"scoped_atomic_reconciliation_with_selected_primary_and_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_pass_scoped_alias":"S_AR-P06-C010","coordinator_source_ids":["S_AR-P06-S007","S_AR-P06-S008"],"coordinator_related_claim_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T06:12:32.968053+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","original_locations":[[50633,50774]],"unreopened_or_failed_source_ids":["S_AR-P06-S007","S_AR-P06-S008"],"material_correction_ids":[],"scope":"Wholeatomicrowread/alias/sourcecrosswalkresolved;selectedoperativebodiesonlysupported. Allsecondary/currentness/failed/unread/judicial/actualapplicationholdsremain;notallclaimacceptance.","independent_state_component_parent_accepted":false}},{"claim_id":"S_AR-C011","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C011","Actor/predicate":"Affiliate collector","Required step or legal consequence":"Separate entity does not automatically satisfy employee exclusion.","Evidence; limits/confidence":"S008(a)(1). Fact-dependent inference."},"coordinator_verification_status":"scoped_atomic_reconciliation_with_selected_primary_and_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_pass_scoped_alias":"S_AR-P06-C011","coordinator_source_ids":["S_AR-P06-S008"],"coordinator_related_claim_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T06:12:32.968053+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","original_locations":[[50775,50904]],"unreopened_or_failed_source_ids":["S_AR-P06-S008"],"material_correction_ids":[],"scope":"Wholeatomicrowread/alias/sourcecrosswalkresolved;selectedoperativebodiesonlysupported. 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Salary label alone insufficient."},"coordinator_verification_status":"scoped_atomic_reconciliation_with_selected_primary_and_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_pass_scoped_alias":"S_AR-P06-C012","coordinator_source_ids":["S_AR-P06-S008"],"coordinator_related_claim_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T06:12:32.968053+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","original_locations":[[50905,51026]],"unreopened_or_failed_source_ids":["S_AR-P06-S008"],"material_correction_ids":[],"scope":"Wholeatomicrowread/alias/sourcecrosswalkresolved;selectedoperativebodiesonlysupported. Allsecondary/currentness/failed/unread/judicial/actualapplicationholdsremain;notallclaimacceptance.","independent_state_component_parent_accepted":false}},{"claim_id":"S_AR-C013","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C013","Actor/predicate":"Attorney collecting own/firm debt","Required step or legal consequence":"Own-name/firm-name exclusion has stated conditions.","Evidence; limits/confidence":"S008(a)(8). Verified displayed text."},"coordinator_verification_status":"scoped_atomic_reconciliation_with_selected_primary_and_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_pass_scoped_alias":"S_AR-P06-C013","coordinator_source_ids":["S_AR-P06-S008"],"coordinator_related_claim_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T06:12:32.968053+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","original_locations":[[51027,51154]],"unreopened_or_failed_source_ids":["S_AR-P06-S008"],"material_correction_ids":[],"scope":"Wholeatomicrowread/alias/sourcecrosswalkresolved;selectedoperativebodiesonlysupported. Allsecondary/currentness/failed/unread/judicial/actualapplicationholdsremain;notallclaimacceptance.","independent_state_component_parent_accepted":false}},{"claim_id":"S_AR-C014","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C014","Actor/predicate":"Arkansas attorney for client","Required step or legal consequence":"Actual Arkansas licensure and legal services required; exclusion not inherited by client/vendor.","Evidence; limits/confidence":"S008(b); S029. 2019 chain hold."},"coordinator_verification_status":"scoped_atomic_reconciliation_with_selected_primary_and_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_pass_scoped_alias":"S_AR-P06-C014","coordinator_source_ids":["S_AR-P06-S008","S_AR-P06-S029"],"coordinator_related_claim_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T06:12:32.968053+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","original_locations":[[51155,51317]],"unreopened_or_failed_source_ids":["S_AR-P06-S008"],"material_correction_ids":[],"scope":"Wholeatomicrowread/alias/sourcecrosswalkresolved;selectedoperativebodiesonlysupported. 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No automatic affiliate/credit-union extension."},"coordinator_verification_status":"scoped_atomic_reconciliation_with_selected_primary_and_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_pass_scoped_alias":"S_AR-P06-C015","coordinator_source_ids":["S_AR-P06-S008"],"coordinator_related_claim_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T06:12:32.968053+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","original_locations":[[51318,51446]],"unreopened_or_failed_source_ids":["S_AR-P06-S008"],"material_correction_ids":[],"scope":"Wholeatomicrowread/alias/sourcecrosswalkresolved;selectedoperativebodiesonlysupported. Allsecondary/currentness/failed/unread/judicial/actualapplicationholdsremain;notallclaimacceptance.","independent_state_component_parent_accepted":false}},{"claim_id":"S_AR-C016","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C016","Actor/predicate":"Other listed excluded business","Required step or legal consequence":"Apply escrow, real-estate, and regulated-company activity conditions.","Evidence; limits/confidence":"S008(a)(5)–(7). No general commercial exemption."},"coordinator_verification_status":"scoped_atomic_reconciliation_with_selected_primary_and_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_pass_scoped_alias":"S_AR-P06-C016","coordinator_source_ids":["S_AR-P06-S008"],"coordinator_related_claim_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T06:12:32.968053+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","original_locations":[[51447,51601]],"unreopened_or_failed_source_ids":["S_AR-P06-S008"],"material_correction_ids":[],"scope":"Wholeatomicrowread/alias/sourcecrosswalkresolved;selectedoperativebodiesonlysupported. Allsecondary/currentness/failed/unread/judicial/actualapplicationholdsremain;notallclaimacceptance.","independent_state_component_parent_accepted":false}},{"claim_id":"S_AR-C017","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C017","Actor/predicate":"Court-order handler","Required step or legal consequence":"Actual court-order predicate; private non-IV-D child-support exception remains.","Evidence; limits/confidence":"S008(a)(9). Full support family deferred."},"coordinator_verification_status":"scoped_atomic_reconciliation_with_selected_primary_and_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_pass_scoped_alias":"S_AR-P06-C017","coordinator_source_ids":["S_AR-P06-S008"],"coordinator_related_claim_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T06:12:32.968053+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","original_locations":[[51602,51748]],"unreopened_or_failed_source_ids":["S_AR-P06-S008"],"material_correction_ids":[],"scope":"Wholeatomicrowread/alias/sourcecrosswalkresolved;selectedoperativebodiesonlysupported. Allsecondary/currentness/failed/unread/judicial/actualapplicationholdsremain;notallclaimacceptance.","independent_state_component_parent_accepted":false}},{"claim_id":"S_AR-C018","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C018","Actor/predicate":"Nonprofit/fiduciary actor","Required step or legal consequence":"No blanket licensing exclusion established merely from label.","Evidence; limits/confidence":"S008 complete list. Other laws may matter."},"coordinator_verification_status":"scoped_atomic_reconciliation_with_selected_primary_and_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_pass_scoped_alias":"S_AR-P06-C018","coordinator_source_ids":["S_AR-P06-S008"],"coordinator_related_claim_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T06:12:32.968053+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","original_locations":[[51749,51884]],"unreopened_or_failed_source_ids":["S_AR-P06-S008"],"material_correction_ids":[],"scope":"Wholeatomicrowread/alias/sourcecrosswalkresolved;selectedoperativebodiesonlysupported. Allsecondary/currentness/failed/unread/judicial/actualapplicationholdsremain;notallclaimacceptance.","independent_state_component_parent_accepted":false}},{"claim_id":"S_AR-C019","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C019","Actor/predicate":"Foreclosure actor","Required step or legal consequence":"State provision is limited to specified activity; does not decide all current federal law.","Evidence; limits/confidence":"S008(c). Foreclosure deferred."},"coordinator_verification_status":"scoped_atomic_reconciliation_with_selected_primary_and_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_pass_scoped_alias":"S_AR-P06-C019","coordinator_source_ids":["S_AR-P06-S008"],"coordinator_related_claim_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T06:12:32.968053+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","original_locations":[[51885,52029]],"unreopened_or_failed_source_ids":["S_AR-P06-S008"],"material_correction_ids":[],"scope":"Wholeatomicrowread/alias/sourcecrosswalkresolved;selectedoperativebodiesonlysupported. 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Exact nexus facts held."},"coordinator_verification_status":"scoped_atomic_reconciliation_with_selected_primary_and_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_pass_scoped_alias":"S_AR-P06-C020","coordinator_source_ids":["S_AR-P06-S021","S_AR-P06-S022","S_AR-P06-S023","S_AR-P06-S024"],"coordinator_related_claim_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T06:12:32.968053+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","original_locations":[[52030,52152]],"unreopened_or_failed_source_ids":["S_AR-P06-S021","S_AR-P06-S022","S_AR-P06-S023","S_AR-P06-S024"],"material_correction_ids":[],"scope":"Wholeatomicrowread/alias/sourcecrosswalkresolved;selectedoperativebodiesonlysupported. Allsecondary/currentness/failed/unread/judicial/actualapplicationholdsremain;notallclaimacceptance.","independent_state_component_parent_accepted":false}},{"claim_id":"S_AR-C021","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C021","Actor/predicate":"Actor relies on 2012 clarification","Required step or legal consequence":"Simpson rejected presented outsourced-debt-buyer exemption interpretation.","Evidence; limits/confidence":"S029. Original administrative body not separately read."},"coordinator_verification_status":"scoped_atomic_reconciliation_with_selected_primary_and_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_pass_scoped_alias":"S_AR-P06-C021","coordinator_source_ids":["S_AR-P06-S029"],"coordinator_related_claim_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T06:12:32.968053+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","original_locations":[[52153,52323]],"unreopened_or_failed_source_ids":[],"material_correction_ids":[],"scope":"Wholeatomicrowread/alias/sourcecrosswalkresolved;selectedoperativebodiesonlysupported. Allsecondary/currentness/failed/unread/judicial/actualapplicationholdsremain;notallclaimacceptance.","independent_state_component_parent_accepted":false}},{"claim_id":"S_AR-C022","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C022","Actor/predicate":"Digital/isolated remote contact","Required step or legal consequence":"No universal minimum-contact or one-contact rule established.","Evidence; limits/confidence":"S021/S029; missing application authority. Held."},"coordinator_verification_status":"scoped_atomic_reconciliation_with_selected_primary_and_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_pass_scoped_alias":"S_AR-P06-C022","coordinator_source_ids":["S_AR-P06-S021","S_AR-P06-S029"],"coordinator_related_claim_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T06:12:32.968053+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","original_locations":[[52324,52470]],"unreopened_or_failed_source_ids":["S_AR-P06-S021"],"material_correction_ids":[],"scope":"Wholeatomicrowread/alias/sourcecrosswalkresolved;selectedoperativebodiesonlysupported. Allsecondary/currentness/failed/unread/judicial/actualapplicationholdsremain;notallclaimacceptance.","independent_state_component_parent_accepted":false}},{"claim_id":"S_AR-C023","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C023","Actor/predicate":"Out-of-state credential holder","Required step or legal consequence":"Establish §17-1-108 conditions; entity can be included.","Evidence; limits/confidence":"S026(a)–(i). Primary chain partial."},"coordinator_verification_status":"scoped_atomic_reconciliation_with_selected_primary_and_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_pass_scoped_alias":"S_AR-P06-C023","coordinator_source_ids":["S_AR-P06-S026"],"coordinator_related_claim_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T06:12:32.968053+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","original_locations":[[52471,52598]],"unreopened_or_failed_source_ids":["S_AR-P06-S026"],"material_correction_ids":[],"scope":"Wholeatomicrowread/alias/sourcecrosswalkresolved;selectedoperativebodiesonlysupported. Allsecondary/currentness/failed/unread/judicial/actualapplicationholdsremain;notallclaimacceptance.","independent_state_component_parent_accepted":false}},{"claim_id":"S_AR-C024","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C024","Actor/predicate":"Provisional applicant","Required step or legal consequence":"Statute calls for qualifying temporary/provisional procedure; foreign license is not automatic grant.","Evidence; limits/confidence":"S026(c)–(g). Board implementation/form held."},"coordinator_verification_status":"scoped_atomic_reconciliation_with_selected_primary_and_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_pass_scoped_alias":"S_AR-P06-C024","coordinator_source_ids":["S_AR-P06-S026"],"coordinator_related_claim_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T06:12:32.968053+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","original_locations":[[52599,52772]],"unreopened_or_failed_source_ids":["S_AR-P06-S026"],"material_correction_ids":[],"scope":"Wholeatomicrowread/alias/sourcecrosswalkresolved;selectedoperativebodiesonlysupported. Allsecondary/currentness/failed/unread/judicial/actualapplicationholdsremain;notallclaimacceptance.","independent_state_component_parent_accepted":false}},{"claim_id":"S_AR-C025","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C025","Actor/predicate":"Manager credit-report waiver","Required step or legal consequence":"Qualifying substantially similar good-standing license may support waiver.","Evidence; limits/confidence":"S005 §201(b)(3). Not bond/license exemption."},"coordinator_verification_status":"scoped_atomic_reconciliation_with_selected_primary_and_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_pass_scoped_alias":"S_AR-P06-C025","coordinator_source_ids":["S_AR-P06-S005"],"coordinator_related_claim_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T06:12:32.968053+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","original_locations":[[52773,52926]],"unreopened_or_failed_source_ids":[],"material_correction_ids":[],"scope":"Wholeatomicrowread/alias/sourcecrosswalkresolved;selectedoperativebodiesonlysupported. 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Actual eligibility absent."},"coordinator_verification_status":"scoped_atomic_reconciliation_with_selected_primary_and_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_pass_scoped_alias":"S_AR-P06-C026","coordinator_source_ids":["S_AR-P06-S013"],"coordinator_related_claim_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T06:12:32.968053+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","original_locations":[[53055,53162]],"unreopened_or_failed_source_ids":["S_AR-P06-S013"],"material_correction_ids":[],"scope":"Wholeatomicrowread/alias/sourcecrosswalkresolved;selectedoperativebodiesonlysupported. 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Actual role required."},"coordinator_verification_status":"scoped_atomic_reconciliation_with_selected_primary_and_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_pass_scoped_alias":"S_AR-P06-C027","coordinator_source_ids":["S_AR-P06-S013"],"coordinator_related_claim_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T06:12:32.968053+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","original_locations":[[53163,53270]],"unreopened_or_failed_source_ids":["S_AR-P06-S013"],"material_correction_ids":[],"scope":"Wholeatomicrowread/alias/sourcecrosswalkresolved;selectedoperativebodiesonlysupported. 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Form body held."},"coordinator_verification_status":"scoped_atomic_reconciliation_with_selected_primary_and_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_pass_scoped_alias":"S_AR-P06-C028","coordinator_source_ids":["S_AR-P06-S014","S_AR-P06-S005"],"coordinator_related_claim_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T06:12:32.968053+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","original_locations":[[53271,53396]],"unreopened_or_failed_source_ids":["S_AR-P06-S014"],"material_correction_ids":[],"scope":"Wholeatomicrowread/alias/sourcecrosswalkresolved;selectedoperativebodiesonlysupported. 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No private credit findings."},"coordinator_verification_status":"scoped_atomic_reconciliation_with_selected_primary_and_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_pass_scoped_alias":"S_AR-P06-C029","coordinator_source_ids":["S_AR-P06-S005"],"coordinator_related_claim_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T06:12:32.968053+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","original_locations":[[53397,53534]],"unreopened_or_failed_source_ids":[],"material_correction_ids":[],"scope":"Wholeatomicrowread/alias/sourcecrosswalkresolved;selectedoperativebodiesonlysupported. 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Verified amount."},"coordinator_verification_status":"scoped_atomic_reconciliation_with_selected_primary_and_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_pass_scoped_alias":"S_AR-P06-C030","coordinator_source_ids":["S_AR-P06-S016","S_AR-P06-S005","S_AR-P06-S006"],"coordinator_related_claim_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T06:12:32.968053+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","original_locations":[[53535,53674]],"unreopened_or_failed_source_ids":["S_AR-P06-S016"],"material_correction_ids":[],"scope":"Wholeatomicrowread/alias/sourcecrosswalkresolved;selectedoperativebodiesonlysupported. 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Actual calendar not calculated."},"coordinator_verification_status":"scoped_atomic_reconciliation_with_selected_primary_and_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_pass_scoped_alias":"S_AR-P06-C032","coordinator_source_ids":["S_AR-P06-S005"],"coordinator_related_claim_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T06:12:32.968053+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","original_locations":[[53797,53932]],"unreopened_or_failed_source_ids":[],"material_correction_ids":[],"scope":"Wholeatomicrowread/alias/sourcecrosswalkresolved;selectedoperativebodiesonlysupported. 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Verified rule."},"coordinator_verification_status":"scoped_atomic_reconciliation_with_selected_primary_and_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_pass_scoped_alias":"S_AR-P06-C033","coordinator_source_ids":["S_AR-P06-S005"],"coordinator_related_claim_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T06:12:32.968053+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","original_locations":[[53933,54083]],"unreopened_or_failed_source_ids":[],"material_correction_ids":[],"scope":"Wholeatomicrowread/alias/sourcecrosswalkresolved;selectedoperativebodiesonlysupported. Allsecondary/currentness/failed/unread/judicial/actualapplicationholdsremain;notallclaimacceptance.","independent_state_component_parent_accepted":false}},{"claim_id":"S_AR-C034","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C034","Actor/predicate":"Multiple offices/locations","Step, clock, or consequence":"Separate license and bond for each.","Evidence; limits/confidence":"S005 §201(c). Remote-home and counting scope held."},"coordinator_verification_status":"scoped_atomic_reconciliation_with_selected_primary_and_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_pass_scoped_alias":"S_AR-P06-C034","coordinator_source_ids":["S_AR-P06-S005"],"coordinator_related_claim_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T06:12:32.968053+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","original_locations":[[54084,54202]],"unreopened_or_failed_source_ids":[],"material_correction_ids":[],"scope":"Wholeatomicrowread/alias/sourcecrosswalkresolved;selectedoperativebodiesonlysupported. Allsecondary/currentness/failed/unread/judicial/actualapplicationholdsremain;notallclaimacceptance.","independent_state_component_parent_accepted":false}},{"claim_id":"S_AR-C035","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C035","Actor/predicate":"Ownership transaction","Step, clock, or consequence":"License nontransferable; 50% threshold requires prompt written notice.","Evidence; limits/confidence":"S014(b); S005 §201(d),203. No 49% safe harbor."},"coordinator_verification_status":"scoped_atomic_reconciliation_with_selected_primary_and_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_pass_scoped_alias":"S_AR-P06-C035","coordinator_source_ids":["S_AR-P06-S014","S_AR-P06-S005"],"coordinator_related_claim_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T06:12:32.968053+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","original_locations":[[54203,54347]],"unreopened_or_failed_source_ids":["S_AR-P06-S014"],"material_correction_ids":[],"scope":"Wholeatomicrowread/alias/sourcecrosswalkresolved;selectedoperativebodiesonlysupported. Allsecondary/currentness/failed/unread/judicial/actualapplicationholdsremain;notallclaimacceptance.","independent_state_component_parent_accepted":false}},{"claim_id":"S_AR-C036","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C036","Actor/predicate":"Address changes","Step, clock, or consequence":"Timely notice; bond carries current physical address.","Evidence; limits/confidence":"S005 §201(f). Actual endorsement facts held."},"coordinator_verification_status":"scoped_atomic_reconciliation_with_selected_primary_and_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_pass_scoped_alias":"S_AR-P06-C036","coordinator_source_ids":["S_AR-P06-S005"],"coordinator_related_claim_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T06:12:32.968053+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","original_locations":[[54348,54467]],"unreopened_or_failed_source_ids":[],"material_correction_ids":[],"scope":"Wholeatomicrowread/alias/sourcecrosswalkresolved;selectedoperativebodiesonlysupported. 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No invented grace period."},"coordinator_verification_status":"scoped_atomic_reconciliation_with_selected_primary_and_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_pass_scoped_alias":"S_AR-P06-C037","coordinator_source_ids":["S_AR-P06-S015","S_AR-P06-S005","S_AR-P06-S027"],"coordinator_related_claim_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T06:12:32.968053+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","original_locations":[[54468,54593]],"unreopened_or_failed_source_ids":["S_AR-P06-S015","S_AR-P06-S027"],"material_correction_ids":[],"scope":"Wholeatomicrowread/alias/sourcecrosswalkresolved;selectedoperativebodiesonlysupported. Allsecondary/currentness/failed/unread/judicial/actualapplicationholdsremain;notallclaimacceptance.","independent_state_component_parent_accepted":false}},{"claim_id":"S_AR-C038","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C038","Actor/predicate":"Newly issued license","Step, clock, or consequence":"Apply March–December versus January–February expiration rule.","Evidence; limits/confidence":"S005 §204(a). Actual grant date required."},"coordinator_verification_status":"scoped_atomic_reconciliation_with_selected_primary_and_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_pass_scoped_alias":"S_AR-P06-C038","coordinator_source_ids":["S_AR-P06-S005"],"coordinator_related_claim_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T06:12:32.968053+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","original_locations":[[54594,54723]],"unreopened_or_failed_source_ids":[],"material_correction_ids":[],"scope":"Wholeatomicrowread/alias/sourcecrosswalkresolved;selectedoperativebodiesonlysupported. Allsecondary/currentness/failed/unread/judicial/actualapplicationholdsremain;notallclaimacceptance.","independent_state_component_parent_accepted":false}},{"claim_id":"S_AR-C039","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C039","Actor/predicate":"Renewal applicant","Step, clock, or consequence":"Updated documents and same licensing/employee fees.","Evidence; limits/confidence":"S005 §204(b). Form completeness held."},"coordinator_verification_status":"scoped_atomic_reconciliation_with_selected_primary_and_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_pass_scoped_alias":"S_AR-P06-C039","coordinator_source_ids":["S_AR-P06-S005"],"coordinator_related_claim_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T06:12:32.968053+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","original_locations":[[54724,54836]],"unreopened_or_failed_source_ids":[],"material_correction_ids":[],"scope":"Wholeatomicrowread/alias/sourcecrosswalkresolved;selectedoperativebodiesonlysupported. Allsecondary/currentness/failed/unread/judicial/actualapplicationholdsremain;notallclaimacceptance.","independent_state_component_parent_accepted":false}},{"claim_id":"S_AR-C040","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C040","Actor/predicate":"Late/nonrenewing holder","Step, clock, or consequence":"Rule supplies expiration/new-application consequences; reminder absence no excuse.","Evidence; limits/confidence":"S005 §204(c). APA qualification remains."},"coordinator_verification_status":"scoped_atomic_reconciliation_with_selected_primary_and_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_pass_scoped_alias":"S_AR-P06-C040","coordinator_source_ids":["S_AR-P06-S005"],"coordinator_related_claim_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T06:12:32.968053+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","original_locations":[[54837,54989]],"unreopened_or_failed_source_ids":[],"material_correction_ids":[],"scope":"Wholeatomicrowread/alias/sourcecrosswalkresolved;selectedoperativebodiesonlysupported. Allsecondary/currentness/failed/unread/judicial/actualapplicationholdsremain;notallclaimacceptance.","independent_state_component_parent_accepted":false}},{"claim_id":"S_AR-C041","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C041","Actor/predicate":"Timely sufficient continuing-license applicant","Step, clock, or consequence":"Existing license continues under APA through specified determination/review period.","Evidence; limits/confidence":"S027(b). Sufficiency and application facts required."},"coordinator_verification_status":"scoped_atomic_reconciliation_with_selected_primary_and_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_pass_scoped_alias":"S_AR-P06-C041","coordinator_source_ids":["S_AR-P06-S027"],"coordinator_related_claim_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T06:12:32.968053+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","original_locations":[[54990,55178]],"unreopened_or_failed_source_ids":["S_AR-P06-S027"],"material_correction_ids":[],"scope":"Wholeatomicrowread/alias/sourcecrosswalkresolved;selectedoperativebodiesonlysupported. Allsecondary/currentness/failed/unread/judicial/actualapplicationholdsremain;notallclaimacceptance.","independent_state_component_parent_accepted":false}},{"claim_id":"S_AR-C042","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C042","Actor/predicate":"Initial/pending applicant","Step, clock, or consequence":"Filing/payment alone is not license grant.","Evidence; limits/confidence":"S012/S014/S027; classification of procedural status required."},"coordinator_verification_status":"scoped_atomic_reconciliation_with_selected_primary_and_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_pass_scoped_alias":"S_AR-P06-C042","coordinator_source_ids":["S_AR-P06-S012","S_AR-P06-S014","S_AR-P06-S027"],"coordinator_related_claim_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T06:12:32.968053+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","original_locations":[[55179,55314]],"unreopened_or_failed_source_ids":["S_AR-P06-S012","S_AR-P06-S014","S_AR-P06-S027"],"material_correction_ids":[],"scope":"Wholeatomicrowread/alias/sourcecrosswalkresolved;selectedoperativebodiesonlysupported. Allsecondary/currentness/failed/unread/judicial/actualapplicationholdsremain;notallclaimacceptance.","independent_state_component_parent_accepted":false}},{"claim_id":"S_AR-C043","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C043","Actor/predicate":"Director finds deficiency","Step, clock, or consequence":"Written denial reasons within rule’s ten-business-day framework.","Evidence; limits/confidence":"S005 §205(a). Not routine issuance deadline."},"coordinator_verification_status":"scoped_atomic_reconciliation_with_selected_primary_and_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_pass_scoped_alias":"S_AR-P06-C043","coordinator_source_ids":["S_AR-P06-S005"],"coordinator_related_claim_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T06:12:32.968053+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","original_locations":[[55315,55455]],"unreopened_or_failed_source_ids":[],"material_correction_ids":[],"scope":"Wholeatomicrowread/alias/sourcecrosswalkresolved;selectedoperativebodiesonlysupported. Allsecondary/currentness/failed/unread/judicial/actualapplicationholdsremain;notallclaimacceptance.","independent_state_component_parent_accepted":false}},{"claim_id":"S_AR-C044","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C044","Actor/predicate":"Applicant appeals director denial","Step, clock, or consequence":"Written Board appeal within thirty days of receipt.","Evidence; limits/confidence":"S005 §205(b). No actual deadline computed."},"coordinator_verification_status":"scoped_atomic_reconciliation_with_selected_primary_and_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_pass_scoped_alias":"S_AR-P06-C044","coordinator_source_ids":["S_AR-P06-S005"],"coordinator_related_claim_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T06:12:32.968053+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","original_locations":[[55456,55589]],"unreopened_or_failed_source_ids":[],"material_correction_ids":[],"scope":"Wholeatomicrowread/alias/sourcecrosswalkresolved;selectedoperativebodiesonlysupported. 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Actual decision/request required."},"coordinator_verification_status":"scoped_atomic_reconciliation_with_selected_primary_and_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_pass_scoped_alias":"S_AR-P06-C045","coordinator_source_ids":["S_AR-P06-S005"],"coordinator_related_claim_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T06:12:32.968053+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","original_locations":[[55590,55743]],"unreopened_or_failed_source_ids":[],"material_correction_ids":[],"scope":"Wholeatomicrowread/alias/sourcecrosswalkresolved;selectedoperativebodiesonlysupported. 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Fixed extra investigation fee not established."},"coordinator_verification_status":"scoped_atomic_reconciliation_with_selected_primary_and_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_pass_scoped_alias":"S_AR-P06-C046","coordinator_source_ids":["S_AR-P06-S005","S_AR-P06-S014"],"coordinator_related_claim_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T06:12:32.968053+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","original_locations":[[55744,55905]],"unreopened_or_failed_source_ids":["S_AR-P06-S014"],"material_correction_ids":[],"scope":"Wholeatomicrowread/alias/sourcecrosswalkresolved;selectedoperativebodiesonlysupported. Allsecondary/currentness/failed/unread/judicial/actualapplicationholdsremain;notallclaimacceptance.","independent_state_component_parent_accepted":false}},{"claim_id":"S_AR-C047","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C047","Actor/predicate":"Variance requested","Step, clock, or consequence":"Procedural variance cannot waive statutory mandate; substantive requests have separate process.","Evidence; limits/confidence":"S005 §103. No granted variance assumed."},"coordinator_verification_status":"scoped_atomic_reconciliation_with_selected_primary_and_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_pass_scoped_alias":"S_AR-P06-C047","coordinator_source_ids":["S_AR-P06-S005"],"coordinator_related_claim_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T06:12:32.968053+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","original_locations":[[55906,56065]],"unreopened_or_failed_source_ids":[],"material_correction_ids":[],"scope":"Wholeatomicrowread/alias/sourcecrosswalkresolved;selectedoperativebodiesonlysupported. 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Actual event and statutory continuation interaction held."},"coordinator_verification_status":"scoped_atomic_reconciliation_with_selected_primary_and_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_pass_scoped_alias":"S_AR-P06-C048","coordinator_source_ids":["S_AR-P06-S005"],"coordinator_related_claim_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T06:12:32.968053+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","original_locations":[[56066,56205]],"unreopened_or_failed_source_ids":[],"material_correction_ids":[],"scope":"Wholeatomicrowread/alias/sourcecrosswalkresolved;selectedoperativebodiesonlysupported. 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Not ordinary fee."},"coordinator_verification_status":"scoped_atomic_reconciliation_with_selected_primary_and_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_pass_scoped_alias":"S_AR-P06-C049","coordinator_source_ids":["S_AR-P06-S004","S_AR-P06-S009","S_AR-P06-S005"],"coordinator_related_claim_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T06:12:32.968053+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","original_locations":[[56206,56330]],"unreopened_or_failed_source_ids":["S_AR-P06-S009"],"material_correction_ids":[],"scope":"Wholeatomicrowread/alias/sourcecrosswalkresolved;selectedoperativebodiesonlysupported. Allsecondary/currentness/failed/unread/judicial/actualapplicationholdsremain;notallclaimacceptance.","independent_state_component_parent_accepted":false}},{"claim_id":"S_AR-C050","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C050","Actor/predicate":"Retroactive license issued","Step, clock, or consequence":"Past interval ends at issuance; future activity requires regular license.","Evidence; limits/confidence":"S005 §202(b)–(c). No actual grant inferred."},"coordinator_verification_status":"scoped_atomic_reconciliation_with_selected_primary_and_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_pass_scoped_alias":"S_AR-P06-C050","coordinator_source_ids":["S_AR-P06-S005"],"coordinator_related_claim_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T06:12:32.968053+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","original_locations":[[56331,56480]],"unreopened_or_failed_source_ids":[],"material_correction_ids":[],"scope":"Wholeatomicrowread/alias/sourcecrosswalkresolved;selectedoperativebodiesonlysupported. Allsecondary/currentness/failed/unread/judicial/actualapplicationholdsremain;notallclaimacceptance.","independent_state_component_parent_accepted":false}},{"claim_id":"S_AR-C051","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C051","Actor/predicate":"Retroactive defense asserted","Step, clock, or consequence":"CACH did not decide full merits effect in class-certification appeal.","Evidence; limits/confidence":"S030. Verified procedural holding."},"coordinator_verification_status":"scoped_atomic_reconciliation_with_selected_primary_and_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_pass_scoped_alias":"S_AR-P06-C051","coordinator_source_ids":["S_AR-P06-S030"],"coordinator_related_claim_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T06:12:32.968053+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","original_locations":[[56481,56619]],"unreopened_or_failed_source_ids":[],"material_correction_ids":[],"scope":"Wholeatomicrowread/alias/sourcecrosswalkresolved;selectedoperativebodiesonlysupported. Allsecondary/currentness/failed/unread/judicial/actualapplicationholdsremain;notallclaimacceptance.","independent_state_component_parent_accepted":false}},{"claim_id":"S_AR-C052","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C052","Actor/predicate":"Private-remedy consequence asserted","Step, clock, or consequence":"Statute/rule interaction remains unresolved in this limited gateway.","Evidence; limits/confidence":"S009(b)–(c); S005 §402(a)(2). No blanket immunity/recovery."},"coordinator_verification_status":"scoped_atomic_reconciliation_with_selected_primary_and_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_pass_scoped_alias":"S_AR-P06-C052","coordinator_source_ids":["S_AR-P06-S009","S_AR-P06-S005"],"coordinator_related_claim_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T06:12:32.968053+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","original_locations":[[56620,56789]],"unreopened_or_failed_source_ids":["S_AR-P06-S009"],"material_correction_ids":[],"scope":"Wholeatomicrowread/alias/sourcecrosswalkresolved;selectedoperativebodiesonlysupported. Allsecondary/currentness/failed/unread/judicial/actualapplicationholdsremain;notallclaimacceptance.","independent_state_component_parent_accepted":false}},{"claim_id":"S_AR-C053","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C053","Actor/predicate":"Board adverse action","Step, clock, or consequence":"Statutory hearing notice at least twenty days; Board order required.","Evidence; limits/confidence":"S019(a). Full disciplinary merits deferred."},"coordinator_verification_status":"scoped_atomic_reconciliation_with_selected_primary_and_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_pass_scoped_alias":"S_AR-P06-C053","coordinator_source_ids":["S_AR-P06-S019"],"coordinator_related_claim_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T06:12:32.968053+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","original_locations":[[56790,56928]],"unreopened_or_failed_source_ids":["S_AR-P06-S019"],"material_correction_ids":[],"scope":"Wholeatomicrowread/alias/sourcecrosswalkresolved;selectedoperativebodiesonlysupported. Allsecondary/currentness/failed/unread/judicial/actualapplicationholdsremain;notallclaimacceptance.","independent_state_component_parent_accepted":false}},{"claim_id":"S_AR-C054","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C054","Actor/predicate":"Party seeks court review","Step, clock, or consequence":"Section308 states thirty days from Board decision and named circuit route.","Evidence; limits/confidence":"S019(b); S028. Current procedural harmonization held."},"coordinator_verification_status":"scoped_atomic_reconciliation_with_selected_primary_and_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_pass_scoped_alias":"S_AR-P06-C054","coordinator_source_ids":["S_AR-P06-S019","S_AR-P06-S028"],"coordinator_related_claim_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T06:12:32.968053+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","original_locations":[[56929,57087]],"unreopened_or_failed_source_ids":["S_AR-P06-S019","S_AR-P06-S028"],"material_correction_ids":[],"scope":"Wholeatomicrowread/alias/sourcecrosswalkresolved;selectedoperativebodiesonlysupported. Allsecondary/currentness/failed/unread/judicial/actualapplicationholdsremain;notallclaimacceptance.","independent_state_component_parent_accepted":false}},{"claim_id":"S_AR-C055","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C055","Actor/predicate":"License holder appeals","Step, clock, or consequence":"Specific continuation provision must be distinguished from general no-automatic-stay rule.","Evidence; limits/confidence":"S019(c),S027,S028(c). Actual appeal/order required."},"coordinator_verification_status":"scoped_atomic_reconciliation_with_selected_primary_and_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_pass_scoped_alias":"S_AR-P06-C055","coordinator_source_ids":["S_AR-P06-S019","S_AR-P06-S027","S_AR-P06-S028"],"coordinator_related_claim_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T06:12:32.968053+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","original_locations":[[57088,57258]],"unreopened_or_failed_source_ids":["S_AR-P06-S019","S_AR-P06-S027","S_AR-P06-S028"],"material_correction_ids":[],"scope":"Wholeatomicrowread/alias/sourcecrosswalkresolved;selectedoperativebodiesonlysupported. Allsecondary/currentness/failed/unread/judicial/actualapplicationholdsremain;notallclaimacceptance.","independent_state_component_parent_accepted":false}},{"claim_id":"S_AR-C056","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C056","Actor/predicate":"Public application/lookup used","Step, clock, or consequence":"Submission, review, grant and named status are distinct.","Evidence; limits/confidence":"S005/S037. No actual provider inquiry."},"coordinator_verification_status":"scoped_atomic_reconciliation_with_selected_primary_and_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_pass_scoped_alias":"S_AR-P06-C056","coordinator_source_ids":["S_AR-P06-S005","S_AR-P06-S037"],"coordinator_related_claim_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T06:12:32.968053+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","original_locations":[[57259,57390]],"unreopened_or_failed_source_ids":["S_AR-P06-S037"],"material_correction_ids":[],"scope":"Wholeatomicrowread/alias/sourcecrosswalkresolved;selectedoperativebodiesonlysupported. Allsecondary/currentness/failed/unread/judicial/actualapplicationholdsremain;notallclaimacceptance.","independent_state_component_parent_accepted":false}},{"claim_id":"S_AR-C057","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C057","Actor/predicate":"Cost estimate includes extras","Step, clock, or consequence":"No fixed additional late/investigation/branch surcharge or CPI formula verified.","Evidence; limits/confidence":"S005/S016/S006. Unknown is not zero."},"coordinator_verification_status":"scoped_atomic_reconciliation_with_selected_primary_and_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_pass_scoped_alias":"S_AR-P06-C057","coordinator_source_ids":["S_AR-P06-S005","S_AR-P06-S016","S_AR-P06-S006"],"coordinator_related_claim_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T06:12:32.968053+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","original_locations":[[57391,57543]],"unreopened_or_failed_source_ids":["S_AR-P06-S016"],"material_correction_ids":[],"scope":"Wholeatomicrowread/alias/sourcecrosswalkresolved;selectedoperativebodiesonlysupported. Allsecondary/currentness/failed/unread/judicial/actualapplicationholdsremain;notallclaimacceptance.","independent_state_component_parent_accepted":false}},{"claim_id":"S_AR-C058","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C058","Actor/predicate":"Licensee obtains security","Step, clock, or consequence":"Statutory $10,000–$50,000 range per location; Board approval required.","Evidence; limits/confidence":"S003 §5; S017(a)."},"coordinator_verification_status":"scoped_atomic_reconciliation_with_selected_primary_and_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_pass_scoped_alias":"S_AR-P06-C058","coordinator_source_ids":["S_AR-P06-S003","S_AR-P06-S017"],"coordinator_related_claim_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T06:12:32.968053+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","original_locations":[[57658,57777]],"unreopened_or_failed_source_ids":["S_AR-P06-S017"],"material_correction_ids":[],"scope":"Wholeatomicrowread/alias/sourcecrosswalkresolved;selectedoperativebodiesonlysupported. Allsecondary/currentness/failed/unread/judicial/actualapplicationholdsremain;notallclaimacceptance.","independent_state_component_parent_accepted":false}},{"claim_id":"S_AR-C059","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C059","Actor/predicate":"Collector count established","Step, clock, or consequence":"Rule tiers are $10,000/$20,000/$25,000 at stated count boundaries.","Evidence; limits/confidence":"S005 §201(a)(2). Not receipts-based."},"coordinator_verification_status":"scoped_atomic_reconciliation_with_selected_primary_and_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_pass_scoped_alias":"S_AR-P06-C059","coordinator_source_ids":["S_AR-P06-S005"],"coordinator_related_claim_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T06:12:32.968053+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","original_locations":[[57778,57914]],"unreopened_or_failed_source_ids":[],"material_correction_ids":[],"scope":"Wholeatomicrowread/alias/sourcecrosswalkresolved;selectedoperativebodiesonlysupported. Allsecondary/currentness/failed/unread/judicial/actualapplicationholdsremain;notallclaimacceptance.","independent_state_component_parent_accepted":false}},{"claim_id":"S_AR-C060","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C060","Actor/predicate":"Count disputed","Step, clock, or consequence":"FTE/location/global/snapshot/manager details not fully specified in bodies read.","Evidence; limits/confidence":"S005 §§101/201. Exact methodology held."},"coordinator_verification_status":"scoped_atomic_reconciliation_with_selected_primary_and_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_pass_scoped_alias":"S_AR-P06-C060","coordinator_source_ids":["S_AR-P06-S005"],"coordinator_related_claim_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T06:12:32.968053+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","original_locations":[[57915,58055]],"unreopened_or_failed_source_ids":[],"material_correction_ids":[],"scope":"Wholeatomicrowread/alias/sourcecrosswalkresolved;selectedoperativebodiesonlysupported. Allsecondary/currentness/failed/unread/judicial/actualapplicationholdsremain;notallclaimacceptance.","independent_state_component_parent_accepted":false}},{"claim_id":"S_AR-C061","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C061","Actor/predicate":"Cost/coverage accounting","Step, clock, or consequence":"Penal sum, premium, collateral, fee and debtor obligation differ.","Evidence; limits/confidence":"S017/S005; accounting distinction."},"coordinator_verification_status":"scoped_atomic_reconciliation_with_selected_primary_and_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_pass_scoped_alias":"S_AR-P06-C061","coordinator_source_ids":["S_AR-P06-S017","S_AR-P06-S005"],"coordinator_related_claim_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T06:12:32.968053+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","original_locations":[[58056,58186]],"unreopened_or_failed_source_ids":["S_AR-P06-S017"],"material_correction_ids":[],"scope":"Wholeatomicrowread/alias/sourcecrosswalkresolved;selectedoperativebodiesonlysupported. Allsecondary/currentness/failed/unread/judicial/actualapplicationholdsremain;notallclaimacceptance.","independent_state_component_parent_accepted":false}},{"claim_id":"S_AR-C062","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C062","Actor/predicate":"Surety/form qualification","Step, clock, or consequence":"Board-approved security required; unseen form execution terms not established.","Evidence; limits/confidence":"S017(a); S037. Held form-level conditions."},"coordinator_verification_status":"scoped_atomic_reconciliation_with_selected_primary_and_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_pass_scoped_alias":"S_AR-P06-C062","coordinator_source_ids":["S_AR-P06-S017","S_AR-P06-S037"],"coordinator_related_claim_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T06:12:32.968053+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","original_locations":[[58187,58339]],"unreopened_or_failed_source_ids":["S_AR-P06-S017","S_AR-P06-S037"],"material_correction_ids":[],"scope":"Wholeatomicrowread/alias/sourcecrosswalkresolved;selectedoperativebodiesonlysupported. Allsecondary/currentness/failed/unread/judicial/actualapplicationholdsremain;notallclaimacceptance.","independent_state_component_parent_accepted":false}},{"claim_id":"S_AR-C063","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C063","Actor/predicate":"Bond issued","Step, clock, or consequence":"Payee is Board.","Evidence; limits/confidence":"S017(c); S005 §201(a)(2)."},"coordinator_verification_status":"scoped_atomic_reconciliation_with_selected_primary_and_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_pass_scoped_alias":"S_AR-P06-C063","coordinator_source_ids":["S_AR-P06-S017","S_AR-P06-S005"],"coordinator_related_claim_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T06:12:32.968053+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","original_locations":[[58340,58398]],"unreopened_or_failed_source_ids":["S_AR-P06-S017"],"material_correction_ids":[],"scope":"Wholeatomicrowread/alias/sourcecrosswalkresolved;selectedoperativebodiesonlysupported. Allsecondary/currentness/failed/unread/judicial/actualapplicationholdsremain;notallclaimacceptance.","independent_state_component_parent_accepted":false}},{"claim_id":"S_AR-C064","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C064","Actor/predicate":"Multiple breaches/claimants","Step, clock, or consequence":"Aggregate surety liability cannot exceed penal sum.","Evidence; limits/confidence":"S017(b). Not per-claim entitlement."},"coordinator_verification_status":"scoped_atomic_reconciliation_with_selected_primary_and_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_pass_scoped_alias":"S_AR-P06-C064","coordinator_source_ids":["S_AR-P06-S017"],"coordinator_related_claim_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T06:12:32.968053+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","original_locations":[[58399,58519]],"unreopened_or_failed_source_ids":["S_AR-P06-S017"],"material_correction_ids":[],"scope":"Wholeatomicrowread/alias/sourcecrosswalkresolved;selectedoperativebodiesonlysupported. Allsecondary/currentness/failed/unread/judicial/actualapplicationholdsremain;notallclaimacceptance.","independent_state_component_parent_accepted":false}},{"claim_id":"S_AR-C065","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C065","Actor/predicate":"Surety cancels","Step, clock, or consequence":"Thirty-day Board notice; stated future-breach release does not automatically erase earlier breaches.","Evidence; limits/confidence":"S017(b); S005 §203. Actual effective date required."},"coordinator_verification_status":"scoped_atomic_reconciliation_with_selected_primary_and_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_pass_scoped_alias":"S_AR-P06-C065","coordinator_source_ids":["S_AR-P06-S017","S_AR-P06-S005"],"coordinator_related_claim_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T06:12:32.968053+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","original_locations":[[58520,58692]],"unreopened_or_failed_source_ids":["S_AR-P06-S017"],"material_correction_ids":[],"scope":"Wholeatomicrowread/alias/sourcecrosswalkresolved;selectedoperativebodiesonlysupported. Allsecondary/currentness/failed/unread/judicial/actualapplicationholdsremain;notallclaimacceptance.","independent_state_component_parent_accepted":false}},{"claim_id":"S_AR-C066","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C066","Actor/predicate":"Board finds client nonpayment","Step, clock, or consequence":"Rule403 directs bond-claim pathway.","Evidence; limits/confidence":"S005 §403(a). Other claim classes not universally decided."},"coordinator_verification_status":"scoped_atomic_reconciliation_with_selected_primary_and_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_pass_scoped_alias":"S_AR-P06-C066","coordinator_source_ids":["S_AR-P06-S005"],"coordinator_related_claim_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T06:12:32.968053+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","original_locations":[[58693,58822]],"unreopened_or_failed_source_ids":[],"material_correction_ids":[],"scope":"Wholeatomicrowread/alias/sourcecrosswalkresolved;selectedoperativebodiesonlysupported. Allsecondary/currentness/failed/unread/judicial/actualapplicationholdsremain;notallclaimacceptance.","independent_state_component_parent_accepted":false}},{"claim_id":"S_AR-C067","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C067","Actor/predicate":"Board notifies interested parties","Step, clock, or consequence":"Certified mail and/or specified two-week statewide publication.","Evidence; limits/confidence":"S005 §403(b)(1). Actual notice absent."},"coordinator_verification_status":"scoped_atomic_reconciliation_with_selected_primary_and_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_pass_scoped_alias":"S_AR-P06-C067","coordinator_source_ids":["S_AR-P06-S005"],"coordinator_related_claim_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T06:12:32.968053+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","original_locations":[[58823,58964]],"unreopened_or_failed_source_ids":[],"material_correction_ids":[],"scope":"Wholeatomicrowread/alias/sourcecrosswalkresolved;selectedoperativebodiesonlysupported. Allsecondary/currentness/failed/unread/judicial/actualapplicationholdsremain;notallclaimacceptance.","independent_state_component_parent_accepted":false}},{"claim_id":"S_AR-C068","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C068","Actor/predicate":"Claimant responds","Step, clock, or consequence":"Claim within ninety days of notice date, with identity/itemization/support.","Evidence; limits/confidence":"S005 §403(b)(2). No actual deadline or award."},"coordinator_verification_status":"scoped_atomic_reconciliation_with_selected_primary_and_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_pass_scoped_alias":"S_AR-P06-C068","coordinator_source_ids":["S_AR-P06-S005"],"coordinator_related_claim_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T06:12:32.968053+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","original_locations":[[58965,59109]],"unreopened_or_failed_source_ids":[],"material_correction_ids":[],"scope":"Wholeatomicrowread/alias/sourcecrosswalkresolved;selectedoperativebodiesonlysupported. Allsecondary/currentness/failed/unread/judicial/actualapplicationholdsremain;notallclaimacceptance.","independent_state_component_parent_accepted":false}},{"claim_id":"S_AR-C069","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C069","Actor/predicate":"Board adjudicates claims","Step, clock, or consequence":"Hearing, approval/denial, pro-rata shortage allocation; possible surplus return.","Evidence; limits/confidence":"S005 §403(b)(3). Full surety litigation deferred."},"coordinator_verification_status":"scoped_atomic_reconciliation_with_selected_primary_and_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_pass_scoped_alias":"S_AR-P06-C069","coordinator_source_ids":["S_AR-P06-S005"],"coordinator_related_claim_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T06:12:32.968053+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","original_locations":[[59110,59270]],"unreopened_or_failed_source_ids":[],"material_correction_ids":[],"scope":"Wholeatomicrowread/alias/sourcecrosswalkresolved;selectedoperativebodiesonlysupported. Allsecondary/currentness/failed/unread/judicial/actualapplicationholdsremain;notallclaimacceptance.","independent_state_component_parent_accepted":false}},{"claim_id":"S_AR-C070","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C070","Actor/predicate":"Nonresident sued under special route","Step, clock, or consequence":"§404 litigation security is separate from license bond.","Evidence; limits/confidence":"S022–S024. Court-fixed amount; not licensing tier."},"coordinator_verification_status":"scoped_atomic_reconciliation_with_selected_primary_and_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_pass_scoped_alias":"S_AR-P06-C070","coordinator_source_ids":["S_AR-P06-S022","S_AR-P06-S023","S_AR-P06-S024"],"coordinator_related_claim_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T06:12:32.968053+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","original_locations":[[59271,59419]],"unreopened_or_failed_source_ids":["S_AR-P06-S022","S_AR-P06-S023","S_AR-P06-S024"],"material_correction_ids":[],"scope":"Wholeatomicrowread/alias/sourcecrosswalkresolved;selectedoperativebodiesonlysupported. Allsecondary/currentness/failed/unread/judicial/actualapplicationholdsremain;notallclaimacceptance.","independent_state_component_parent_accepted":false}},{"claim_id":"S_AR-C071","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C071","Actor/predicate":"Agency receives client collection","Step, clock, or consequence":"Credit debtor and client accounts.","Evidence; limits/confidence":"S005 §301(a). No double credit upon remittance."},"coordinator_verification_status":"scoped_atomic_reconciliation_with_selected_primary_and_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_pass_scoped_alias":"S_AR-P06-C071","coordinator_source_ids":["S_AR-P06-S005"],"coordinator_related_claim_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T06:12:32.968053+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","original_locations":[[59420,59541]],"unreopened_or_failed_source_ids":[],"material_correction_ids":[],"scope":"Wholeatomicrowread/alias/sourcecrosswalkresolved;selectedoperativebodiesonlysupported. Allsecondary/currentness/failed/unread/judicial/actualapplicationholdsremain;notallclaimacceptance.","independent_state_component_parent_accepted":false}},{"claim_id":"S_AR-C072","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C072","Actor/predicate":"Agency holds collected client money","Step, clock, or consequence":"Remit by end of following calendar month.","Evidence; limits/confidence":"S010; S005 §301(b). Actual valid returns/credits required."},"coordinator_verification_status":"scoped_atomic_reconciliation_with_selected_primary_and_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_pass_scoped_alias":"S_AR-P06-C072","coordinator_source_ids":["S_AR-P06-S010","S_AR-P06-S005"],"coordinator_related_claim_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T06:12:32.968053+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","original_locations":[[59542,59683]],"unreopened_or_failed_source_ids":["S_AR-P06-S010"],"material_correction_ids":[],"scope":"Wholeatomicrowread/alias/sourcecrosswalkresolved;selectedoperativebodiesonlysupported. Allsecondary/currentness/failed/unread/judicial/actualapplicationholdsremain;notallclaimacceptance.","independent_state_component_parent_accepted":false}},{"claim_id":"S_AR-C073","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C073","Actor/predicate":"Agency remits late","Step, clock, or consequence":"Stated fee-loss/full-remittance and disciplinary conditions apply.","Evidence; limits/confidence":"S010; S005 §301(b)(1). Full penalties not assessed."},"coordinator_verification_status":"scoped_atomic_reconciliation_with_selected_primary_and_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_pass_scoped_alias":"S_AR-P06-C073","coordinator_source_ids":["S_AR-P06-S010","S_AR-P06-S005"],"coordinator_related_claim_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T06:12:32.968053+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","original_locations":[[59684,59826]],"unreopened_or_failed_source_ids":["S_AR-P06-S010"],"material_correction_ids":[],"scope":"Wholeatomicrowread/alias/sourcecrosswalkresolved;selectedoperativebodiesonlysupported. Allsecondary/currentness/failed/unread/judicial/actualapplicationholdsremain;notallclaimacceptance.","independent_state_component_parent_accepted":false}},{"claim_id":"S_AR-C074","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C074","Actor/predicate":"Annual client notice","Step, clock, or consequence":"April notice; rule exception for Arkansas-licensee clients.","Evidence; limits/confidence":"S020; S005 §301(b)(2)."},"coordinator_verification_status":"scoped_atomic_reconciliation_with_selected_primary_and_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_pass_scoped_alias":"S_AR-P06-C074","coordinator_source_ids":["S_AR-P06-S020","S_AR-P06-S005"],"coordinator_related_claim_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T06:12:32.968053+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","original_locations":[[59827,59935]],"unreopened_or_failed_source_ids":["S_AR-P06-S020"],"material_correction_ids":[],"scope":"Wholeatomicrowread/alias/sourcecrosswalkresolved;selectedoperativebodiesonlysupported. Allsecondary/currentness/failed/unread/judicial/actualapplicationholdsremain;notallclaimacceptance.","independent_state_component_parent_accepted":false}},{"claim_id":"S_AR-C075","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C075","Actor/predicate":"Agency estimates costs","Step, clock, or consequence":"Regulatory costs and bond amount are not automatically added to debtor balance.","Evidence; limits/confidence":"Separate obligations; no contractual/legal basis established."},"coordinator_verification_status":"scoped_atomic_reconciliation_with_selected_primary_and_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_pass_scoped_alias":"S_AR-P06-C075","coordinator_source_ids":[],"coordinator_related_claim_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T06:12:32.968053+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","original_locations":[[59936,60105]],"unreopened_or_failed_source_ids":[],"material_correction_ids":[],"scope":"Wholeatomicrowread/alias/sourcecrosswalkresolved;selectedoperativebodiesonlysupported. Allsecondary/currentness/failed/unread/judicial/actualapplicationholdsremain;notallclaimacceptance.","independent_state_component_parent_accepted":false}},{"claim_id":"S_AR-C076","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C076","Actor/predicate":"Federal coverage considered","Step, consequence, or boundary":"Establish natural-person consumer and household-purpose debt predicates.","Evidence; limits/confidence":"S031(3)–(5); S032."},"coordinator_verification_status":"scoped_atomic_reconciliation_with_selected_primary_and_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_pass_scoped_alias":"S_AR-P06-C076","coordinator_source_ids":["S_AR-P06-S031","S_AR-P06-S032"],"coordinator_related_claim_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T06:12:32.968053+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","original_locations":[[60233,60357]],"unreopened_or_failed_source_ids":["S_AR-P06-S031"],"material_correction_ids":[],"scope":"Wholeatomicrowread/alias/sourcecrosswalkresolved;selectedoperativebodiesonlysupported. Allsecondary/currentness/failed/unread/judicial/actualapplicationholdsremain;notallclaimacceptance.","independent_state_component_parent_accepted":false}},{"claim_id":"S_AR-C077","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C077","Actor/predicate":"Creditor/debt owner","Step, consequence, or boundary":"Apply creditor definition and default-assignment-for-another qualification.","Evidence; limits/confidence":"S031(4); S032. Ownership label insufficient."},"coordinator_verification_status":"scoped_atomic_reconciliation_with_selected_primary_and_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_pass_scoped_alias":"S_AR-P06-C077","coordinator_source_ids":["S_AR-P06-S031","S_AR-P06-S032"],"coordinator_related_claim_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T06:12:32.968053+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","original_locations":[[60358,60503]],"unreopened_or_failed_source_ids":["S_AR-P06-S031"],"material_correction_ids":[],"scope":"Wholeatomicrowread/alias/sourcecrosswalkresolved;selectedoperativebodiesonlysupported. Allsecondary/currentness/failed/unread/judicial/actualapplicationholdsremain;notallclaimacceptance.","independent_state_component_parent_accepted":false}},{"claim_id":"S_AR-C078","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C078","Actor/predicate":"Collector status considered","Step, consequence, or boundary":"Principal-purpose and regular-another-debt branches are distinct.","Evidence; limits/confidence":"S031(6); S032."},"coordinator_verification_status":"scoped_atomic_reconciliation_with_selected_primary_and_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_pass_scoped_alias":"S_AR-P06-C078","coordinator_source_ids":["S_AR-P06-S031","S_AR-P06-S032"],"coordinator_related_claim_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T06:12:32.968053+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","original_locations":[[60504,60617]],"unreopened_or_failed_source_ids":["S_AR-P06-S031"],"material_correction_ids":[],"scope":"Wholeatomicrowread/alias/sourcecrosswalkresolved;selectedoperativebodiesonlysupported. Allsecondary/currentness/failed/unread/judicial/actualapplicationholdsremain;notallclaimacceptance.","independent_state_component_parent_accepted":false}},{"claim_id":"S_AR-C079","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C079","Actor/predicate":"Buyer relies on Henson","Step, consequence, or boundary":"Holding concerns “owed another” branch; principal-purpose left open.","Evidence; limits/confidence":"S033. Verified holding."},"coordinator_verification_status":"scoped_atomic_reconciliation_with_selected_primary_and_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_pass_scoped_alias":"S_AR-P06-C079","coordinator_source_ids":["S_AR-P06-S033"],"coordinator_related_claim_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T06:12:32.968053+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","original_locations":[[60618,60738]],"unreopened_or_failed_source_ids":[],"material_correction_ids":[],"scope":"Wholeatomicrowread/alias/sourcecrosswalkresolved;selectedoperativebodiesonlysupported. Allsecondary/currentness/failed/unread/judicial/actualapplicationholdsremain;notallclaimacceptance.","independent_state_component_parent_accepted":false}},{"claim_id":"S_AR-C080","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C080","Actor/predicate":"Outsourced default-debt business","Step, consequence, or boundary":"Reygadas permits principal-purpose status on its facts.","Evidence; limits/confidence":"S034. Separate liability disposition preserved."},"coordinator_verification_status":"scoped_atomic_reconciliation_with_selected_primary_and_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_pass_scoped_alias":"S_AR-P06-C080","coordinator_source_ids":["S_AR-P06-S034"],"coordinator_related_claim_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T06:12:32.968053+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","original_locations":[[60739,60880]],"unreopened_or_failed_source_ids":[],"material_correction_ids":[],"scope":"Wholeatomicrowread/alias/sourcecrosswalkresolved;selectedoperativebodiesonlysupported. Allsecondary/currentness/failed/unread/judicial/actualapplicationholdsremain;notallclaimacceptance.","independent_state_component_parent_accepted":false}},{"claim_id":"S_AR-C081","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C081","Actor/predicate":"Employee/affiliate claims federal exclusion","Step, consequence, or boundary":"Own-name employee and qualifying affiliate conditions differ from Arkansas licensing.","Evidence; limits/confidence":"S031(6)(A)–(B); S032."},"coordinator_verification_status":"scoped_atomic_reconciliation_with_selected_primary_and_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_pass_scoped_alias":"S_AR-P06-C081","coordinator_source_ids":["S_AR-P06-S031","S_AR-P06-S032"],"coordinator_related_claim_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T06:12:32.968053+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","original_locations":[[60881,61037]],"unreopened_or_failed_source_ids":["S_AR-P06-S031"],"material_correction_ids":[],"scope":"Wholeatomicrowread/alias/sourcecrosswalkresolved;selectedoperativebodiesonlysupported. Allsecondary/currentness/failed/unread/judicial/actualapplicationholdsremain;notallclaimacceptance.","independent_state_component_parent_accepted":false}},{"claim_id":"S_AR-C082","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C082","Actor/predicate":"Fiduciary/originator/predefault/commercial secured actor","Step, consequence, or boundary":"Apply specific federal activity exclusions, not a generic state exemption.","Evidence; limits/confidence":"S031(6)(F); S032."},"coordinator_verification_status":"scoped_atomic_reconciliation_with_selected_primary_and_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_pass_scoped_alias":"S_AR-P06-C082","coordinator_source_ids":["S_AR-P06-S031","S_AR-P06-S032"],"coordinator_related_claim_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T06:12:32.968053+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","original_locations":[[61038,61192]],"unreopened_or_failed_source_ids":["S_AR-P06-S031"],"material_correction_ids":[],"scope":"Wholeatomicrowread/alias/sourcecrosswalkresolved;selectedoperativebodiesonlysupported. Allsecondary/currentness/failed/unread/judicial/actualapplicationholdsremain;notallclaimacceptance.","independent_state_component_parent_accepted":false}},{"claim_id":"S_AR-C083","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C083","Actor/predicate":"Government/process/nonprofit actor","Step, consequence, or boundary":"Establish each federal exclusion’s actual conditions.","Evidence; limits/confidence":"S031(6)(C)–(E); S032."},"coordinator_verification_status":"scoped_atomic_reconciliation_with_selected_primary_and_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_pass_scoped_alias":"S_AR-P06-C083","coordinator_source_ids":["S_AR-P06-S031","S_AR-P06-S032"],"coordinator_related_claim_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T06:12:32.968053+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","original_locations":[[61193,61308]],"unreopened_or_failed_source_ids":["S_AR-P06-S031"],"material_correction_ids":[],"scope":"Wholeatomicrowread/alias/sourcecrosswalkresolved;selectedoperativebodiesonlysupported. Allsecondary/currentness/failed/unread/judicial/actualapplicationholdsremain;notallclaimacceptance.","independent_state_component_parent_accepted":false}},{"claim_id":"S_AR-C084","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C084","Actor/predicate":"Lawyer regularly collects consumer debt","Step, consequence, or boundary":"No blanket federal lawyer exemption; Heintz includes litigation activity.","Evidence; limits/confidence":"S035."},"coordinator_verification_status":"scoped_atomic_reconciliation_with_selected_primary_and_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_pass_scoped_alias":"S_AR-P06-C084","coordinator_source_ids":["S_AR-P06-S035"],"coordinator_related_claim_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T06:12:32.968053+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","original_locations":[[61309,61433]],"unreopened_or_failed_source_ids":[],"material_correction_ids":[],"scope":"Wholeatomicrowread/alias/sourcecrosswalkresolved;selectedoperativebodiesonlysupported. Allsecondary/currentness/failed/unread/judicial/actualapplicationholdsremain;notallclaimacceptance.","independent_state_component_parent_accepted":false}},{"claim_id":"S_AR-C085","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C085","Actor/predicate":"Reader combines regimes","Step, consequence, or boundary":"State license, federal status, debtor-side permission and debt validity remain separate.","Evidence; limits/confidence":"S007/S008/S031–S035."},"coordinator_verification_status":"scoped_atomic_reconciliation_with_selected_primary_and_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_pass_scoped_alias":"S_AR-P06-C085","coordinator_source_ids":["S_AR-P06-S007","S_AR-P06-S008","S_AR-P06-S031","S_AR-P06-S032","S_AR-P06-S033","S_AR-P06-S034","S_AR-P06-S035"],"coordinator_related_claim_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T06:12:32.968053+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","original_locations":[[61434,61572]],"unreopened_or_failed_source_ids":["S_AR-P06-S007","S_AR-P06-S008","S_AR-P06-S031"],"material_correction_ids":[],"scope":"Wholeatomicrowread/alias/sourcecrosswalkresolved;selectedoperativebodiesonlysupported. Allsecondary/currentness/failed/unread/judicial/actualapplicationholdsremain;notallclaimacceptance.","independent_state_component_parent_accepted":false}},{"claim_id":"S_AR-C086","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C086","Actor/predicate":"Reader assesses precedent","Step, consequence, or boundary":"Five responsive opinions read; no full citator or universal absence conclusion.","Evidence; limits/confidence":"S029–S035. 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Approved March 21, 2023; exact default commencement not independently established."},"coordinator_verification_status":"fresh_literal_primary_timeout_body_held","coordinator_review":{"reviewed_at":"2026-10-29T06:12:32.968053+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","read_map":"[internal evidence reference]","scope":"Literal supplied primaryroute timedout once; fullunmodifiedfailure retained. No retry/variant. 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Entire conduct act not claimed read; exact commencement held."},"coordinator_verification_status":"fresh_literal_primary_timeout_body_held","coordinator_review":{"reviewed_at":"2026-10-29T06:12:32.968053+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","read_map":"[internal evidence reference]","scope":"Literal supplied primaryroute timedout once; fullunmodifiedfailure retained. No retry/variant. Originalresearcher primarybodyclaim remainsattributed,notdisproved; no freshbodyauthentication.","original_record_preserved":true,"complete_source_accepted":false}},{"source_id":"S_AR-P06-S003","urls":["https://arkleg.state.ar.us/Home/FTPDocument?path=%2FACTS%2F2013%2FPublic%2FACT1023.pdf","https://arkleg.state.ar.us/Home/FTPDocument?path=%2FACTS%2F2013%2FPublic%2FACT1023.pdf&utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_AR-P06-S003","Issuer/title/direct HTTPS URL":"Act 1023 of 2013. https://arkleg.state.ar.us/Home/FTPDocument?path=%2FACTS%2F2013%2FPublic%2FACT1023.pdf","Actual scope, version, effect, and limits":"P: §4 printed2–3/PDF1–2; §5 printed5/PDF4; §9 printed6–7/PDF5–6. Text/images. Approved April 10, 2013; emergency effective July 1, 2013; employee $20 provision expressly September 1, 2013."},"coordinator_verification_status":"selected_new_public_primary_or_actual_opinion_body_read_with_limits","coordinator_review":{"reviewed_at":"2026-10-29T06:12:32.968053+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","read_map":"[internal evidence reference]","scope":"Exact selectedactualbody supported within recorded version/posture/readbounds; no complete currentCode/citator/application acceptance.","original_record_preserved":true,"complete_source_accepted":false}},{"source_id":"S_AR-P06-S004","urls":["https://arkleg.state.ar.us/Home/FTPDocument?path=%2FACTS%2F2015%2FPublic%2FACT1249.pdf","https://arkleg.state.ar.us/Home/FTPDocument?path=%2FACTS%2F2015%2FPublic%2FACT1249.pdf&utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_AR-P06-S004","Issuer/title/direct HTTPS URL":"Act 1249 of 2015. https://arkleg.state.ar.us/Home/FTPDocument?path=%2FACTS%2F2015%2FPublic%2FACT1249.pdf","Actual scope, version, effect, and limits":"P: §1, printed1–2/PDF0–1; text and material image. Retroactive-license and remedy language. Approved April 8, 2015; exact default commencement held."},"coordinator_verification_status":"selected_new_public_primary_or_actual_opinion_body_read_with_limits","coordinator_review":{"reviewed_at":"2026-10-29T06:12:32.968053+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","read_map":"[internal evidence reference]","scope":"Exact selectedactualbody supported within recorded version/posture/readbounds; no complete currentCode/citator/application acceptance.","original_record_preserved":true,"complete_source_accepted":false}},{"source_id":"S_AR-P06-S005","urls":["https://webftp.blr.arkansas.gov/Home/FTPDocument?path=CAR%2FParts%2F17CARpt280.pdf","https://webftp.blr.arkansas.gov/Home/FTPDocument?path=CAR%2FParts%2F17CARpt280.pdf&utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_AR-P06-S005","Issuer/title/direct HTTPS URL":"Official 17 CAR Part 280, State Board of Collection Agencies Rules. https://webftp.blr.arkansas.gov/Home/FTPDocument?path=CAR%2FParts%2F17CARpt280.pdf","Actual scope, version, effect, and limits":"P: all material gateway provisions read. §§101–103 printed1–3/PDF0–2; §201 printed3–6/PDF2–5; §§202–205 printed6–9/PDF5–8; §301 printed9–10/PDF8–9; §§401–403 printed11–14/PDF10–13. Images of fees, tiers, renewal and claims pages inspected. PDF generated March 22, 2026—not legal effective date."},"coordinator_verification_status":"selected_new_public_primary_or_actual_opinion_body_read_with_limits","coordinator_review":{"reviewed_at":"2026-10-29T06:12:32.968053+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","read_map":"[internal evidence reference]","scope":"OfficialCARHTML201/202/203/204/205/402/403operativebodiesselected plusPart280codificationnotes/footerread. WholePDFtimedout; observedsubpart3navigationCachemiss;401pageheaderonlywithoutoperativebody. Definitions101,organizational102,variance103,receipt301andotherfullPDFprovisions remainunreopened; original2021adoption/currentuncodifiedchain held.","original_record_preserved":true,"complete_source_accepted":false}},{"source_id":"S_AR-P06-S006","urls":["https://www.arkleg.state.ar.us/Home/FTPDocument?path=%2FAssembly%2FMeeting+Attachments%2F049%2F27611%2FExhibit+C1+--+Arkansas+State+Board+of+Collection+Agencies+Report.pdf","https://www.arkleg.state.ar.us/Home/FTPDocument?path=%2FAssembly%2FMeeting+Attachments%2F049%2F27611%2FExhibit+C1+--+Arkansas+State+Board+of+Collection+Agencies+Report.pdf&utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_AR-P06-S006","Issuer/title/direct HTTPS URL":"Board report to legislative committee, prepared August 18, 2025. https://www.arkleg.state.ar.us/Home/FTPDocument?path=%2FAssembly%2FMeeting+Attachments%2F049%2F27611%2FExhibit+C1+--+Arkansas+State+Board+of+Collection+Agencies+Report.pdf","Actual scope, version, effect, and limits":"G: report pages labeled1of2/2of2, PDF0–1, text/images. Charges and licensing information; not an adoption order or named-provider status. Remaining attachment pages not claimed fully read."},"coordinator_verification_status":"selected_new_public_primary_or_actual_opinion_body_read_with_limits","coordinator_review":{"reviewed_at":"2026-10-29T06:12:32.968053+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","read_map":"[internal evidence reference]","scope":"Official2025Boardreport firsttwolabeledpages only support125annualagency/20employee-managerfees andadministrativepractice; unrelatedquestionnaire returnednotadoptedascurrentlaworproviderstatus.","original_record_preserved":true,"complete_source_accepted":false}},{"source_id":"S_AR-P06-S007","urls":["https://law.justia.com/codes/arkansas/title-17/subtitle-2/chapter-24/subchapter-1/section-17-24-101/","https://law.justia.com/codes/arkansas/title-17/subtitle-2/chapter-24/subchapter-1/section-17-24-101/?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_AR-P06-S007","Section/direct HTTPS URL":"§17-24-101. https://law.justia.com/codes/arkansas/title-17/subtitle-2/chapter-24/subchapter-1/section-17-24-101/","Operative scope":"Complete four-branch definition; S001 primary corroboration."},"coordinator_verification_status":"original_secondary_failed_or_unreopened_body_hold","coordinator_review":{"reviewed_at":"2026-10-29T06:12:32.968053+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","read_map":"[internal evidence reference]","scope":"Originalresearcheraccess/body/versionstatement retainedasattribution only; no freshcurrentprimarybodyverification orabsenceclaim. 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Failedroutes not retried; historicalrule not relabeledcurrent.","original_record_preserved":true,"complete_source_accepted":false}},{"source_id":"S_AR-P06-S009","urls":["https://law.justia.com/codes/arkansas/title-17/subtitle-2/chapter-24/subchapter-1/section-17-24-103/","https://law.justia.com/codes/arkansas/title-17/subtitle-2/chapter-24/subchapter-1/section-17-24-103/?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_AR-P06-S009","Section/direct HTTPS URL":"§17-24-103. https://law.justia.com/codes/arkansas/title-17/subtitle-2/chapter-24/subchapter-1/section-17-24-103/","Operative scope":"Complete operative (a)–(c); retroactive route/remedy boundary only applied."},"coordinator_verification_status":"original_secondary_failed_or_unreopened_body_hold","coordinator_review":{"reviewed_at":"2026-10-29T06:12:32.968053+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","read_map":"[internal evidence reference]","scope":"Originalresearcheraccess/body/versionstatement retainedasattribution only; no freshcurrentprimarybodyverification orabsenceclaim. Failedroutes not retried; historicalrule not relabeledcurrent.","original_record_preserved":true,"complete_source_accepted":false}},{"source_id":"S_AR-P06-S010","urls":["https://law.justia.com/codes/arkansas/title-17/subtitle-2/chapter-24/subchapter-1/section-17-24-104/","https://law.justia.com/codes/arkansas/title-17/subtitle-2/chapter-24/subchapter-1/section-17-24-104/?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_AR-P06-S010","Section/direct HTTPS URL":"§17-24-104. https://law.justia.com/codes/arkansas/title-17/subtitle-2/chapter-24/subchapter-1/section-17-24-104/","Operative scope":"Remittance and consequences necessary to receipt model."},"coordinator_verification_status":"original_secondary_failed_or_unreopened_body_hold","coordinator_review":{"reviewed_at":"2026-10-29T06:12:32.968053+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","read_map":"[internal evidence reference]","scope":"Originalresearcheraccess/body/versionstatement retainedasattribution only; no freshcurrentprimarybodyverification orabsenceclaim. Failedroutes not retried; historicalrule not relabeledcurrent.","original_record_preserved":true,"complete_source_accepted":false}},{"source_id":"S_AR-P06-S011","urls":["https://law.justia.com/codes/arkansas/title-17/subtitle-2/chapter-24/subchapter-2/section-17-24-203/","https://law.justia.com/codes/arkansas/title-17/subtitle-2/chapter-24/subchapter-2/section-17-24-203/?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_AR-P06-S011","Section/direct HTTPS URL":"§17-24-203. https://law.justia.com/codes/arkansas/title-17/subtitle-2/chapter-24/subchapter-2/section-17-24-203/","Operative scope":"Board rulemaking and federal-law coordination language."},"coordinator_verification_status":"original_secondary_failed_or_unreopened_body_hold","coordinator_review":{"reviewed_at":"2026-10-29T06:12:32.968053+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","read_map":"[internal evidence reference]","scope":"Originalresearcheraccess/body/versionstatement retainedasattribution only; no freshcurrentprimarybodyverification orabsenceclaim. 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Administrative inventory only."},"coordinator_verification_status":"selected_new_public_primary_or_actual_opinion_body_read_with_limits","coordinator_review":{"reviewed_at":"2026-10-29T06:12:32.968053+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","read_map":"[internal evidence reference]","scope":"Only75countyname labels read/reconciled tooriginaltable. No countypractice/contacts/legalvalidation oractualentityquery.","original_record_preserved":true,"complete_source_accepted":false}},{"source_id":"S_AR-P06-S037","urls":["https://labor.arkansas.gov/licensing/arkansas-state-board-of-collection-agencies/","https://labor.arkansas.gov/licensing/arkansas-state-board-of-collection-agencies/licensing-forms-for-collection-agencies/","https://labor.arkansas.gov/licensing/arkansas-state-board-of-collection-agencies/faqs-for-collection-agencies/","https://www.labor.arkansas.gov/wp-content/uploads/Surety-Bond.pdf","https://www.labor.arkansas.gov/wp-content/uploads/Retroactive-License-Application.pdf","https://labor.arkansas.gov/licensing/arkansas-state-board-of-collection-agencies/search-for-licensed-collection-agencies/","https://labor.arkansas.gov/licensing/arkansas-state-board-of-collection-agencies/?utm_source=chatgpt.com","https://labor.arkansas.gov/licensing/arkansas-state-board-of-collection-agencies/licensing-forms-for-collection-agencies/?utm_source=chatgpt.com","https://labor.arkansas.gov/licensing/arkansas-state-board-of-collection-agencies/faqs-for-collection-agencies/?utm_source=chatgpt.com","https://www.labor.arkansas.gov/wp-content/uploads/Surety-Bond.pdf?utm_source=chatgpt.com","https://www.labor.arkansas.gov/wp-content/uploads/Retroactive-License-Application.pdf?utm_source=chatgpt.com","https://labor.arkansas.gov/licensing/arkansas-state-board-of-collection-agencies/search-for-licensed-collection-agencies/?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_AR-P06-S037","Exact routes":"https://labor.arkansas.gov/licensing/arkansas-state-board-of-collection-agencies/ ; https://labor.arkansas.gov/licensing/arkansas-state-board-of-collection-agencies/licensing-forms-for-collection-agencies/ ; https://labor.arkansas.gov/licensing/arkansas-state-board-of-collection-agencies/faqs-for-collection-agencies/ ; https://www.labor.arkansas.gov/wp-content/uploads/Surety-Bond.pdf ; https://www.labor.arkansas.gov/wp-content/uploads/Retroactive-License-Application.pdf ; https://labor.arkansas.gov/licensing/arkansas-state-board-of-collection-agencies/search-for-licensed-collection-agencies/","Actual status and consequence":"F: returned 403/access errors. No generated application completed, registry query submitted, or form contents inferred. Official rules and legislative report were successful independent alternatives for specified requirements—not replacements for unseen form fields."},"coordinator_verification_status":"original_secondary_failed_or_unreopened_body_hold","coordinator_review":{"reviewed_at":"2026-10-29T06:12:32.968053+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","read_map":"[internal evidence reference]","scope":"Originalresearcheraccess/body/versionstatement retainedasattribution only; no freshcurrentprimarybodyverification orabsenceclaim. Failedroutes not retried; historicalrule not relabeledcurrent.","original_record_preserved":true,"complete_source_accepted":false}},{"source_id":"S_AR-P06-S038","urls":["https://arkleg.state.ar.us/Home/FTPDocument?path=%2FACTS%2F2019R%2FPublic%2FACT386.pdf","https://arkleg.state.ar.us/Acts/FTPDocument?ddBienniumSession=2019%2F2019R&file=386.pdf&path=%2FACTS%2F2019R%2FPublic%2F","https://arkleg.state.ar.us/Home/FTPDocument?path=%2FACTS%2F2019R%2FPublic%2FACT386.pdf&utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_AR-P06-S038","Exact routes":"https://arkleg.state.ar.us/Home/FTPDocument?path=%2FACTS%2F2019R%2FPublic%2FACT386.pdf ; https://arkleg.state.ar.us/Acts/FTPDocument?ddBienniumSession=2019%2F2019R&file=386.pdf&path=%2FACTS%2F2019R%2FPublic%2F","Actual status and consequence":"F: both official routes timed out. §9 body not obtained. No repeated unchanged route or fabricated primary amendment read."},"coordinator_verification_status":"original_secondary_failed_or_unreopened_body_hold","coordinator_review":{"reviewed_at":"2026-10-29T06:12:32.968053+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","read_map":"[internal evidence reference]","scope":"Originalresearcheraccess/body/versionstatement retainedasattribution only; no freshcurrentprimarybodyverification orabsenceclaim. Failedroutes not retried; historicalrule not relabeledcurrent.","original_record_preserved":true,"complete_source_accepted":false}},{"source_id":"S_AR-P06-S039","urls":["https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title15-section1692a&num=0&edition=prelim","https://uscode.house.gov/us/usc/119-134/t15/s1692a/"],"researcher_record":{"Source ID":"S_AR-P06-S039","Exact routes":"https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title15-section1692a&num=0&edition=prelim ; https://uscode.house.gov/us/usc/119-134/t15/s1692a/","Actual status and consequence":"F: first route returned 404; alternative body inaccessible. Cornell statutory reproduction and CFPB regulation retained their actual evidentiary status."},"coordinator_verification_status":"original_secondary_failed_or_unreopened_body_hold","coordinator_review":{"reviewed_at":"2026-10-29T06:12:32.968053+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","read_map":"[internal evidence reference]","scope":"Originalresearcheraccess/body/versionstatement retainedasattribution only; no freshcurrentprimarybodyverification orabsenceclaim. Failedroutes not retried; historicalrule not relabeledcurrent.","original_record_preserved":true,"complete_source_accepted":false}},{"source_id":"S_AR-P06-S040","urls":["https://www.law.cornell.edu/regulations/arkansas/235-15-21-Ark-Code-R-001","https://www.law.cornell.edu/regulations/arkansas/235-15-21-Ark-Code-R-001?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_AR-P06-S040","Exact routes":"Historical rule reproduction: https://www.law.cornell.edu/regulations/arkansas/235-15-21-Ark-Code-R-001","Actual status and consequence":"R: historical rule body/revision information read, marked effective December 9, 2021. Corroboration only; current findings rely on official CAR body S005."},"coordinator_verification_status":"original_secondary_failed_or_unreopened_body_hold","coordinator_review":{"reviewed_at":"2026-10-29T06:12:32.968053+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","read_map":"[internal evidence reference]","scope":"Originalresearcheraccess/body/versionstatement retainedasattribution only; no freshcurrentprimarybodyverification orabsenceclaim. Failedroutes not retried; historicalrule not relabeledcurrent.","original_record_preserved":true,"complete_source_accepted":false}}],"coverage":[{"topic":"Business selects model","researcher_record":{"Row":"W01","Actor/event":"Business selects model","Step, clock, or effect":"Classify activity, ownership, delinquency, names, and exclusions before assuming license need or exemption.","Authority / remaining issue":"C002–C022; actual facts absent."},"raw_table_index":4,"row_kind":"separate_workflow_map","coordinator_acceptance":"scoped_reconciled_with_source_currentness_and_application_holds","coordinator_claim_ids":["S_AR-C002","S_AR-C003","S_AR-C004","S_AR-C005","S_AR-C006","S_AR-C007","S_AR-C008","S_AR-C009","S_AR-C010","S_AR-C011","S_AR-C012","S_AR-C013","S_AR-C014","S_AR-C015","S_AR-C016","S_AR-C017","S_AR-C018","S_AR-C019","S_AR-C020","S_AR-C021","S_AR-C022"],"coordinator_review":{"reviewed_at":"2026-10-29T06:12:32.968053+00:00","reviewer":"delegated coordinator 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and bond-address requirements.","Authority / remaining issue":"C034–C036, C048."},"raw_table_index":4,"row_kind":"separate_workflow_map","coordinator_acceptance":"scoped_reconciled_with_source_currentness_and_application_holds","coordinator_claim_ids":["S_AR-C034","S_AR-C035","S_AR-C036","S_AR-C048"],"coordinator_review":{"reviewed_at":"2026-10-29T06:12:32.968053+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","original_locations":[[19734,19876]],"material_correction_ids":[],"original_remaining_evidence_and_holds_preserved":true,"parent_state_component_accepted":false}},{"topic":"Renewal approaches","researcher_record":{"Row":"W07","Actor/event":"Renewal approaches","Step, clock, or effect":"Apply actual license expiration and renewal requirements.","Authority / remaining issue":"C037–C040; no invented grace 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required."},"raw_table_index":4,"row_kind":"separate_workflow_map","coordinator_acceptance":"scoped_reconciled_with_source_currentness_and_application_holds","coordinator_claim_ids":["S_AR-C041"],"coordinator_review":{"reviewed_at":"2026-10-29T06:12:32.968053+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","original_locations":[[19995,20141]],"material_correction_ids":[],"original_remaining_evidence_and_holds_preserved":true,"parent_state_component_accepted":false}},{"topic":"Application deemed deficient","researcher_record":{"Row":"W09","Actor/event":"Application deemed deficient","Step, clock, or effect":"Written denial reasons under Rule 205; no promise of routine ten-day license issuance.","Authority / remaining issue":"C043."},"raw_table_index":4,"row_kind":"separate_workflow_map","coordinator_acceptance":"scoped_reconciled_with_source_currentness_and_application_holds","coordinator_claim_ids":["S_AR-C043"],"coordinator_review":{"reviewed_at":"2026-10-29T06:12:32.968053+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","original_locations":[[20142,20267]],"material_correction_ids":[],"original_remaining_evidence_and_holds_preserved":true,"parent_state_component_accepted":false}},{"topic":"Applicant contests director’s denial","researcher_record":{"Row":"W10","Actor/event":"Applicant contests director’s denial","Step, clock, or effect":"Written Board appeal within thirty days of receipt.","Authority / remaining issue":"C044; actual receipt/calendar absent."},"raw_table_index":4,"row_kind":"separate_workflow_map","coordinator_acceptance":"scoped_reconciled_with_source_currentness_and_application_holds","coordinator_claim_ids":["S_AR-C044"],"coordinator_review":{"reviewed_at":"2026-10-29T06:12:32.968053+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","original_locations":[[20268,20398]],"material_correction_ids":[],"original_remaining_evidence_and_holds_preserved":true,"parent_state_component_accepted":false}},{"topic":"Applicant requests return of submitted funds","researcher_record":{"Row":"W11","Actor/event":"Applicant requests return of submitted funds","Step, clock, or effect":"Rule permits return upon timely written request; not an unconditional refund promise.","Authority / remaining 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deferred."},"raw_table_index":4,"row_kind":"separate_workflow_map","coordinator_acceptance":"scoped_reconciled_with_source_currentness_and_application_holds","coordinator_claim_ids":["S_AR-C053"],"coordinator_review":{"reviewed_at":"2026-10-29T06:12:32.968053+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","original_locations":[[20540,20676]],"material_correction_ids":[],"original_remaining_evidence_and_holds_preserved":true,"parent_state_component_accepted":false}},{"topic":"Party seeks judicial review","researcher_record":{"Row":"W13","Actor/event":"Party seeks judicial review","Step, clock, or effect":"Distinguish Board-appeal and court-review triggers and continuation provisions.","Authority / remaining issue":"C054–C055; full court route 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C065."},"raw_table_index":4,"row_kind":"separate_workflow_map","coordinator_acceptance":"scoped_reconciled_with_source_currentness_and_application_holds","coordinator_claim_ids":["S_AR-C048","S_AR-C065"],"coordinator_review":{"reviewed_at":"2026-10-29T06:12:32.968053+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","original_locations":[[20823,20959]],"material_correction_ids":[],"original_remaining_evidence_and_holds_preserved":true,"parent_state_component_accepted":false}},{"topic":"Board finds client nonpayment","researcher_record":{"Row":"W15","Actor/event":"Board finds client nonpayment","Step, clock, or effect":"Bond claim, notice, claimant submissions, hearing and possible allocation.","Authority / remaining issue":"C066–C069; no award assumed."},"raw_table_index":4,"row_kind":"separate_workflow_map","coordinator_acceptance":"scoped_reconciled_with_source_currentness_and_application_holds","coordinator_claim_ids":["S_AR-C066","S_AR-C067","S_AR-C068","S_AR-C069"],"coordinator_review":{"reviewed_at":"2026-10-29T06:12:32.968053+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","original_locations":[[20960,21097]],"material_correction_ids":[],"original_remaining_evidence_and_holds_preserved":true,"parent_state_component_accepted":false}},{"topic":"Agency receives debtor funds","researcher_record":{"Row":"W16","Actor/event":"Agency receives debtor funds","Step, clock, or effect":"Credit both relevant ledgers, remit/return appropriately, and maintain separate balance accounting.","Authority / remaining issue":"C071–C075; no consumer fee authorization inferred."},"raw_table_index":4,"row_kind":"separate_workflow_map","coordinator_acceptance":"scoped_reconciled_with_source_currentness_and_application_holds","coordinator_claim_ids":["S_AR-C071","S_AR-C072","S_AR-C073","S_AR-C074","S_AR-C075"],"coordinator_review":{"reviewed_at":"2026-10-29T06:12:32.968053+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","original_locations":[[21098,21281]],"material_correction_ids":[],"original_remaining_evidence_and_holds_preserved":true,"parent_state_component_accepted":false}},{"topic":"State actor definition","researcher_record":{"Row":"K01","Requested issue":"State actor definition","Status / claims":"Primary enactment read; C001–C003","Exact remaining evidence or next action":"Actual activities and later complete Code chain."},"raw_table_index":18,"coordinator_acceptance":"scoped_reconciled_with_source_currentness_and_application_holds","coordinator_claim_ids":["S_AR-P06-C001","S_AR-C002","S_AR-C003"],"coordinator_review":{"reviewed_at":"2026-10-29T06:12:32.968053+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","original_locations":[[62445,62554]],"material_correction_ids":[],"original_remaining_evidence_and_holds_preserved":true,"parent_state_component_accepted":false}},{"topic":"Consumer/business distinction","researcher_record":{"Row":"K02","Requested issue":"Consumer/business distinction","Status / claims":"Textual distinction established; C004","Exact remaining evidence or next action":"Particular debt/transaction for federal or consumer-subchapter application."},"raw_table_index":18,"coordinator_acceptance":"scoped_reconciled_with_source_currentness_and_application_holds","coordinator_claim_ids":["S_AR-C004"],"coordinator_review":{"reviewed_at":"2026-10-29T06:12:32.968053+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","original_locations":[[62555,62702]],"material_correction_ids":[],"original_remaining_evidence_and_holds_preserved":true,"parent_state_component_accepted":false}},{"topic":"Original creditor/other name","researcher_record":{"Row":"K03","Requested issue":"Original creditor/other name","Status / claims":"Partial application; C005–C006","Exact remaining evidence or next action":"Origination, ownership and actual names used."},"raw_table_index":18,"coordinator_acceptance":"scoped_reconciled_with_source_currentness_and_application_holds","coordinator_claim_ids":["S_AR-C005","S_AR-C006"],"coordinator_review":{"reviewed_at":"2026-10-29T06:12:32.968053+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","original_locations":[[62703,62812]],"material_correction_ids":[],"original_remaining_evidence_and_holds_preserved":true,"parent_state_component_accepted":false}},{"topic":"Performing-account purchase","researcher_record":{"Row":"K04","Requested issue":"Performing-account purchase","Status / claims":"Conditional exclusion read; C007","Exact remaining evidence or next action":"Consideration and acquisition-time status."},"raw_table_index":18,"coordinator_acceptance":"scoped_reconciled_with_source_currentness_and_application_holds","coordinator_claim_ids":["S_AR-C007"],"coordinator_review":{"reviewed_at":"2026-10-29T06:12:32.968053+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","original_locations":[[62813,62920]],"material_correction_ids":[],"original_remaining_evidence_and_holds_preserved":true,"parent_state_component_accepted":false}},{"topic":"Default purchase/outsourcing","researcher_record":{"Row":"K05","Requested issue":"Default purchase/outsourcing","Status / claims":"Holding read; C008","Exact remaining evidence or next action":"Actual purchase/collection arrangement and current treatment."},"raw_table_index":18,"coordinator_acceptance":"scoped_reconciled_with_source_currentness_and_application_holds","coordinator_claim_ids":["S_AR-C008"],"coordinator_review":{"reviewed_at":"2026-10-29T06:12:32.968053+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","original_locations":[[62921,63034]],"material_correction_ids":[],"original_remaining_evidence_and_holds_preserved":true,"parent_state_component_accepted":false}},{"topic":"Passive owner/assignee","researcher_record":{"Row":"K06","Requested issue":"Passive owner/assignee","Status / claims":"Held in part; C009","Exact remaining evidence or next action":"Beneficial ownership and actual collection activity."},"raw_table_index":18,"coordinator_acceptance":"scoped_reconciled_with_source_currentness_and_application_holds","coordinator_claim_ids":["S_AR-C009"],"coordinator_review":{"reviewed_at":"2026-10-29T06:12:32.968053+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","original_locations":[[63035,63133]],"material_correction_ids":[],"original_remaining_evidence_and_holds_preserved":true,"parent_state_component_accepted":false}},{"topic":"Servicer","researcher_record":{"Row":"K07","Requested issue":"Servicer","Status / claims":"No blanket exemption established; C010","Exact remaining evidence or next action":"Servicing contract, acquisition rights, solicitation and delinquency facts."},"raw_table_index":18,"coordinator_acceptance":"scoped_reconciled_with_source_currentness_and_application_holds","coordinator_claim_ids":["S_AR-C010"],"coordinator_review":{"reviewed_at":"2026-10-29T06:12:32.968053+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence 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exclusions","researcher_record":{"Row":"K11","Requested issue":"Remaining statutory exclusions","Status / claims":"Complete list addressed; C016–C019","Exact remaining evidence or next action":"Particular real-estate, escrow, support or foreclosure facts."},"raw_table_index":18,"coordinator_acceptance":"scoped_reconciled_with_source_currentness_and_application_holds","coordinator_claim_ids":["S_AR-C016","S_AR-C017","S_AR-C018","S_AR-C019"],"coordinator_review":{"reviewed_at":"2026-10-29T06:12:32.968053+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","original_locations":[[63611,63742]],"material_correction_ids":[],"original_remaining_evidence_and_holds_preserved":true,"parent_state_component_accepted":false}},{"topic":"Remote activity","researcher_record":{"Row":"K12","Requested issue":"Remote activity","Status / claims":"Statute/holding read; C020–C022","Exact remaining evidence or next action":"Specific contacts and constitutional/interstate application."},"raw_table_index":18,"coordinator_acceptance":"scoped_reconciled_with_source_currentness_and_application_holds","coordinator_claim_ids":["S_AR-C020","S_AR-C021","S_AR-C022"],"coordinator_review":{"reviewed_at":"2026-10-29T06:12:32.968053+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","original_locations":[[63743,63855]],"material_correction_ids":[],"original_remaining_evidence_and_holds_preserved":true,"parent_state_component_accepted":false}},{"topic":"Reciprocity/provisional route","researcher_record":{"Row":"K13","Requested issue":"Reciprocity/provisional route","Status / claims":"Statute and limited rule read; C023–C025","Exact remaining evidence or next action":"Board’s current implemented form/workflow and qualifying credential facts."},"raw_table_index":18,"coordinator_acceptance":"scoped_reconciled_with_source_currentness_and_application_holds","coordinator_claim_ids":["S_AR-C023","S_AR-C024","S_AR-C025"],"coordinator_review":{"reviewed_at":"2026-10-29T06:12:32.968053+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","original_locations":[[63856,64005]],"material_correction_ids":[],"original_remaining_evidence_and_holds_preserved":true,"parent_state_component_accepted":false}},{"topic":"Applicant/manager qualifications","researcher_record":{"Row":"K14","Requested issue":"Applicant/manager qualifications","Status / claims":"Text/rules read; C026–C029","Exact remaining evidence or next action":"Actual qualification and authorized credit information."},"raw_table_index":18,"coordinator_acceptance":"scoped_reconciled_with_source_currentness_and_application_holds","coordinator_claim_ids":["S_AR-C026","S_AR-C027","S_AR-C028","S_AR-C029"],"coordinator_review":{"reviewed_at":"2026-10-29T06:12:32.968053+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","original_locations":[[64006,64125]],"material_correction_ids":[],"original_remaining_evidence_and_holds_preserved":true,"parent_state_component_accepted":false}},{"topic":"Application and issue","researcher_record":{"Row":"K15","Requested issue":"Application and issue","Status / claims":"Partial; C028,C042,C056","Exact remaining evidence or next action":"Current readable official application and grant record."},"raw_table_index":18,"coordinator_acceptance":"scoped_reconciled_with_source_currentness_and_application_holds","coordinator_claim_ids":["S_AR-C028","S_AR-C042","S_AR-C056"],"coordinator_review":{"reviewed_at":"2026-10-29T06:12:32.968053+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","original_locations":[[64126,64231]],"material_correction_ids":[],"original_remaining_evidence_and_holds_preserved":true,"parent_state_component_accepted":false}},{"topic":"Fees and employee registration","researcher_record":{"Row":"K16","Requested issue":"Fees and employee registration","Status / claims":"Amounts/rules verified; C030–C033","Exact remaining evidence or next action":"Actual employee count/roles and period."},"raw_table_index":18,"coordinator_acceptance":"scoped_reconciled_with_source_currentness_and_application_holds","coordinator_claim_ids":["S_AR-C030","S_AR-C031","S_AR-C032","S_AR-C033"],"coordinator_review":{"reviewed_at":"2026-10-29T06:12:32.968053+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","original_locations":[[64232,64340]],"material_correction_ids":[],"original_remaining_evidence_and_holds_preserved":true,"parent_state_component_accepted":false}},{"topic":"Locations/ownership/address","researcher_record":{"Row":"K17","Requested issue":"Locations/ownership/address","Status / claims":"Rules read; C034–C036","Exact remaining evidence or next action":"Remote-office interpretation, transaction and bond endorsement."},"raw_table_index":18,"coordinator_acceptance":"scoped_reconciled_with_source_currentness_and_application_holds","coordinator_claim_ids":["S_AR-C034","S_AR-C035","S_AR-C036"],"coordinator_review":{"reviewed_at":"2026-10-29T06:12:32.968053+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","original_locations":[[64341,64458]],"material_correction_ids":[],"original_remaining_evidence_and_holds_preserved":true,"parent_state_component_accepted":false}},{"topic":"Renewal/cycle/lapse","researcher_record":{"Row":"K18","Requested issue":"Renewal/cycle/lapse","Status / claims":"Partial integration; C037–C042","Exact remaining evidence or next action":"Timely sufficiency, actual decision and continuation application."},"raw_table_index":18,"coordinator_acceptance":"scoped_reconciled_with_source_currentness_and_application_holds","coordinator_claim_ids":["S_AR-C037","S_AR-C038","S_AR-C039","S_AR-C040","S_AR-C041","S_AR-C042"],"coordinator_review":{"reviewed_at":"2026-10-29T06:12:32.968053+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","original_locations":[[64459,64579]],"material_correction_ids":[],"original_remaining_evidence_and_holds_preserved":true,"parent_state_component_accepted":false}},{"topic":"Denial/refund/internal appeal","researcher_record":{"Row":"K19","Requested issue":"Denial/refund/internal appeal","Status / claims":"Rule read; C043–C045","Exact remaining evidence or next action":"Actual notice, request and present calendar rules."},"raw_table_index":18,"coordinator_acceptance":"scoped_reconciled_with_source_currentness_and_application_holds","coordinator_claim_ids":["S_AR-C043","S_AR-C044","S_AR-C045"],"coordinator_review":{"reviewed_at":"2026-10-29T06:12:32.968053+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","original_locations":[[64580,64685]],"material_correction_ids":[],"original_remaining_evidence_and_holds_preserved":true,"parent_state_component_accepted":false}},{"topic":"Investigation/variance","researcher_record":{"Row":"K20","Requested issue":"Investigation/variance","Status / claims":"Authority read; C046–C047","Exact remaining evidence or next action":"Specific demand, variance, and any separately authorized charge."},"raw_table_index":18,"coordinator_acceptance":"scoped_reconciled_with_source_currentness_and_application_holds","coordinator_claim_ids":["S_AR-C046","S_AR-C047"],"coordinator_review":{"reviewed_at":"2026-10-29T06:12:32.968053+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","original_locations":[[64686,64803]],"material_correction_ids":[],"original_remaining_evidence_and_holds_preserved":true,"parent_state_component_accepted":false}},{"topic":"Retroactive route","researcher_record":{"Row":"K21","Requested issue":"Retroactive route","Status / claims":"Statute/rule read; C049–C052","Exact remaining evidence or next action":"Actual issuance and unresolved private-remedy effect."},"raw_table_index":18,"coordinator_acceptance":"scoped_reconciled_with_source_currentness_and_application_holds","coordinator_claim_ids":["S_AR-C049","S_AR-C050","S_AR-C051","S_AR-C052"],"coordinator_review":{"reviewed_at":"2026-10-29T06:12:32.968053+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","original_locations":[[64804,64908]],"material_correction_ids":[],"original_remaining_evidence_and_holds_preserved":true,"parent_state_component_accepted":false}},{"topic":"Hearing/court review","researcher_record":{"Row":"K22","Requested issue":"Hearing/court review","Status / claims":"Partial; C053–C055","Exact remaining evidence or next action":"Current procedural harmonization and actual order."},"raw_table_index":18,"coordinator_acceptance":"scoped_reconciled_with_source_currentness_and_application_holds","coordinator_claim_ids":["S_AR-C053","S_AR-C054","S_AR-C055"],"coordinator_review":{"reviewed_at":"2026-10-29T06:12:32.968053+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","original_locations":[[64909,65003]],"material_correction_ids":[],"original_remaining_evidence_and_holds_preserved":true,"parent_state_component_accepted":false}},{"topic":"Bond range/tier","researcher_record":{"Row":"K23","Requested issue":"Bond range/tier","Status / claims":"Verified text; C058–C060","Exact remaining evidence or next action":"Collector-count methodology and particular location application."},"raw_table_index":18,"coordinator_acceptance":"scoped_reconciled_with_source_currentness_and_application_holds","coordinator_claim_ids":["S_AR-C058","S_AR-C059","S_AR-C060"],"coordinator_review":{"reviewed_at":"2026-10-29T06:12:32.968053+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","original_locations":[[65004,65113]],"material_correction_ids":[],"original_remaining_evidence_and_holds_preserved":true,"parent_state_component_accepted":false}},{"topic":"Surety conditions/cancellation","researcher_record":{"Row":"K24","Requested issue":"Surety conditions/cancellation","Status / claims":"Partial; C062–C065","Exact remaining evidence or next action":"Current blank bond, endorsement and cancellation facts."},"raw_table_index":18,"coordinator_acceptance":"scoped_reconciled_with_source_currentness_and_application_holds","coordinator_claim_ids":["S_AR-C062","S_AR-C063","S_AR-C064","S_AR-C065"],"coordinator_review":{"reviewed_at":"2026-10-29T06:12:32.968053+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","original_locations":[[65114,65223]],"material_correction_ids":[],"original_remaining_evidence_and_holds_preserved":true,"parent_state_component_accepted":false}},{"topic":"Bond claim procedure","researcher_record":{"Row":"K25","Requested issue":"Bond claim procedure","Status / claims":"Rule read; C066–C069","Exact remaining evidence or next action":"Actual Board finding, notice, claimant status and adjudication."},"raw_table_index":18,"coordinator_acceptance":"scoped_reconciled_with_source_currentness_and_application_holds","coordinator_claim_ids":["S_AR-C066","S_AR-C067","S_AR-C068","S_AR-C069"],"coordinator_review":{"reviewed_at":"2026-10-29T06:12:32.968053+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","original_locations":[[65224,65333]],"material_correction_ids":[],"original_remaining_evidence_and_holds_preserved":true,"parent_state_component_accepted":false}},{"topic":"Nonresident litigation security","researcher_record":{"Row":"K26","Requested issue":"Nonresident litigation security","Status / claims":"Boundary established; C070","Exact remaining evidence or next action":"Actual proceeding, service, assets and court determination."},"raw_table_index":18,"coordinator_acceptance":"scoped_reconciled_with_source_currentness_and_application_holds","coordinator_claim_ids":["S_AR-C070"],"coordinator_review":{"reviewed_at":"2026-10-29T06:12:32.968053+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","original_locations":[[65334,65456]],"material_correction_ids":[],"original_remaining_evidence_and_holds_preserved":true,"parent_state_component_accepted":false}},{"topic":"Receipt/remittance model","researcher_record":{"Row":"K27","Requested issue":"Receipt/remittance model","Status / claims":"Narrow rules read; C071–C075","Exact remaining evidence or next action":"Actual client contract, valid credits/returns and ledger."},"raw_table_index":18,"coordinator_acceptance":"scoped_reconciled_with_source_currentness_and_application_holds","coordinator_claim_ids":["S_AR-C071","S_AR-C072","S_AR-C073","S_AR-C074","S_AR-C075"],"coordinator_review":{"reviewed_at":"2026-10-29T06:12:32.968053+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","original_locations":[[65457,65572]],"material_correction_ids":[],"original_remaining_evidence_and_holds_preserved":true,"parent_state_component_accepted":false}},{"topic":"Federal actor comparison","researcher_record":{"Row":"K28","Requested issue":"Federal actor comparison","Status / claims":"Definitions/holdings read; C076–C085","Exact remaining evidence or next action":"Actual principal purpose, regularity, ownership and debt purpose."},"raw_table_index":18,"coordinator_acceptance":"scoped_reconciled_with_source_currentness_and_application_holds","coordinator_claim_ids":["S_AR-C076","S_AR-C077","S_AR-C078","S_AR-C079","S_AR-C080","S_AR-C081","S_AR-C082","S_AR-C083","S_AR-C084","S_AR-C085"],"coordinator_review":{"reviewed_at":"2026-10-29T06:12:32.968053+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","original_locations":[[65573,65704]],"material_correction_ids":[],"original_remaining_evidence_and_holds_preserved":true,"parent_state_component_accepted":false}},{"topic":"State definition","researcher_record":{"Row":"Q01","Authority family":"State definition","Status":"Act360/2023 plus mirror","Exact next evidence":"Complete later amendment/nonsupersession chain."},"raw_table_index":19,"coordinator_acceptance":"scoped_reconciled_with_source_currentness_and_application_holds","coordinator_claim_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T06:12:32.968053+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","original_locations":[[65797,65889]],"material_correction_ids":[],"original_remaining_evidence_and_holds_preserved":true,"parent_state_component_accepted":false}},{"topic":"Exclusions","researcher_record":{"Row":"Q02","Authority family":"Exclusions","Status":"Current mirror plus selected 2009 enactment","Exact next evidence":"Readable Act386/2019§9 and any later relevant enactment."},"raw_table_index":19,"coordinator_acceptance":"scoped_reconciled_with_source_currentness_and_application_holds","coordinator_claim_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T06:12:32.968053+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence 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read","Exact next evidence":"Controlling harmonization of statute/rule/private-remedy provisions."},"raw_table_index":19,"coordinator_acceptance":"scoped_reconciled_with_source_currentness_and_application_holds","coordinator_claim_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T06:12:32.968053+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","original_locations":[[66109,66224]],"material_correction_ids":[],"original_remaining_evidence_and_holds_preserved":true,"parent_state_component_accepted":false}},{"topic":"Official rules","researcher_record":{"Row":"Q05","Authority family":"Official rules","Status":"Current CAR body read","Exact next evidence":"Original final adoption/filing instruments and any uncodified later 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