{"meta":{"key":"s_ar--pass-08","task":"S_AR","title":"Arkansas credit-services and credit-repair organizations: classification, security, contracts, cancellation, refunds, and limited remedies","parent_title":"Arkansas debt and debt relief law","edition":"pass-08","path":"/research/s_ar--pass-08/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-27","tables":30,"claims":112,"sources":56,"review_status":"delegated_coordinator_scoped_credit_services_primary_dated_federal_contract_ledger_review_with_current_source_version_application_holds","review_complete":true,"sha256":"5900028e8b8d1eb71ee43a409d2c29a8904783b77391c633a3f15562f0423541","headings":["Arkansas credit-services and credit-repair organizations: classification, security, contracts, cancellation, refunds, and limited remedies","Principal findings","A1. Definitions and service models","A2. Every listed state exclusion","B1. What § 4-91-202 establishes","B2. Loan charges and interest are a separate restriction","B3. Separate conditional telephonic-seller registration","Public forms were read, but conflicts remain","C1. State disclosure and contract matrix","C2. Cancellation and refund clocks","C3. Prohibited representations and waivers","C4. Actor and event workflow — 14 rows","D1. The reviewed PASS-02 distinction, freshly confirmed","Federal coverage is not universal","D2. Limited remedy matrix","Repealed versus current remedies","D3. Published construction actually read","Model 1 / P01 — State-only timing versus covered federal no-advance","Assumed state-only branch","Covered federal branch","Model 2 / P02 — Partial performance, completion, contractual refund, and TSR timing","TSR branch: both event orders can satisfy the sequencing requirement","Model 3 / P03 — Cancellation, receipt, and return","Model 4 / P04 — Mixed services, full-contract cancellation, and separate security accounting","Branch A: one integrated covered contract","Branch B: legally independent service established","Provider security ledger—separate from customer money","Creditor ledger—also separate","Twelve additional fictional postures","Reading conventions","F1. Arkansas core and remedy authorities","F2. Federal statutes and rules","F3. Published decisions and failed historical routes","F4. Conditional telephonic-seller overlap","G1. Classification and exclusions","G2. Security, payment, and interest","G3. Disclosure, contract, cancellation, and nonwaiver","G4. Remedies and federal overlap","G5. Construction, currentness, and conditional registration","H1. Core requested issues — 32 rows","H2. Currentness and failed-source coverage — 9 rows","H3. Worked-model coverage — 4 rows","H4. Territorial, local, and actual-record holds — 6 rows","H5. Deferred families — 9 rows","H6. Preserved scope crosswalk — 2 rows"],"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-08","facets":{"geography":["us","us-ar"],"debt_type":["unknown"],"stage":[],"subject":["definitions-classification","agreements-disclosures","credit-reporting"]},"scope":"Reviewed P01 Credit-repair overlap remaining full state CSO classification/exemptions/security-contract-cancellation-remedy gateway; reviewed P02federal patch dated reuse, not rerun; P04–P07UNREVIEWEDnotpremises.","pending_corrections":0},"markdown":"# SettleADebt — S_AR PASS-08\n\n## Arkansas credit-services and credit-repair organizations: classification, security, contracts, cancellation, refunds, and limited remedies\n\n**Research access date:** October 27, 2026. Exact source-opening times were not logged and are **unknown**. The supplied October 22 baseline is not a claim of current verification.\n\n**Provenance:** Earlier raw answers remain unchanged. The reviewed PASS-02 distinction between state security conditions, federal CROA performance requirements, and TSR timing is preserved. The material provisions discussed below were freshly examined for this pass. PASS-04 through PASS-07 were not used as legal premises. No local coordinator files were accessed or written.\n\n**Scope:** The Arkansas credit-repair-services framework and necessary overlapping registration, contract, cancellation, security, and federal requirements. No actual organization, contract, exemption, fee entitlement, cancellation, or claim is approved.\n\n## Principal findings\n\n**Arkansas’s statute reaches more than services marketed as “credit repair.”** Its definition includes specified credit-improvement, credit-obtaining, lender-location, installment-loan, and advice services offered for consideration. But its unusual definitions of *buyer*, *consumer*, and *extension of credit* must also be applied. A marketing label cannot resolve coverage. **C001–C009.** [Justia Law](https://law.justia.com/codes/arkansas/title-4/subtitle-7/chapter-91/subchapter-2/section-4-91-202/)\n\n**The $10,000 bond and insured Arkansas trust account are conditions of a state advance-charge exception—not a general credit-repair license.** They are cumulative. The disclosure provision’s reference to a bond **or** trust account does not change the advance-charge provision’s **and**. No dedicated credit-repair registration application, renewal cycle, or government charge was established from § 4-91-202 itself. A separate telephonic-seller regime can apply to particular sales practices, and it has different registration and security requirements. **C020–C030, C095–C108.** [Justia Law+1](https://law.justia.com/codes/arkansas/title-4/subtitle-7/chapter-91/subchapter-2/section-4-91-202/)\n\n**Two important drafting differences cannot be silently corrected.** The state provision says contract copies are supplied at cancellation, whereas CROA requires copies at signing. The state disclosure describes a thirty-day adverse-credit file request, while the current federal free-file provision uses sixty days for its qualifying notice. These discrepancies require accurate, cumulative compliance analysis—not substitution of whichever wording seems more convenient. **C037, C046, C069–C072.** [Justia Law+2](https://law.justia.com/codes/arkansas/title-4/subtitle-7/chapter-91/subchapter-2/section-4-91-202/)\n\n**The old Arkansas credit-services damages provision was repealed.** The current state section directs violations into the Arkansas Deceptive Trade Practices Act, whose private-action predicates differ from the repealed provision. Federal CROA separately retains its conditional damages measure, punitive-damages provision, and fee-shifting rule. Neither creates an automatic refund or judgment merely because a consumer alleges a defect. **C056–C062, C073–C075.** [Arkansas Legislature+2](https://arkleg.state.ar.us/Home/FTPDocument?path=%2FACTS%2F2017R%2FPublic%2FACT944.pdf)\n\n**For covered telemarketing credit repair, complete performance alone is not the entire payment test.** The represented service timeframe must have expired, and the seller must have provided the required results report, issued **more than six months after** the results were achieved. Both events precede payment request or receipt; the rule does not require one of those two events to occur before the other. An early-issued report does not become compliant merely by aging. **C076–C083.** [eCFR](https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4)\n\nThroughout this report, **S001** means **S_AR-P08-S001**, and **C001** means **S_AR-P08-C001**. The source register supplies the full URLs and reading limits.\n\n# A. State classification and exclusions\n\n## A1. Definitions and service models\n\nThe operative state framework examined is the **Credit Repair Services Organizations Act of 2017**, enacted by Act 944 and displayed in the 2025 reproduction of § 4-91-202. Act 944’s approval is verified; a complete current official codification and every subsequent amendment were not obtained. That is a currentness limitation, not a finding that the displayed text is wrong. **C001, C089.**\n\n| Definition or service | State-law significance | Conditions and application limits |\n| --- | --- | --- |\n| **Buyer** | The text describes a person or entity that has received credit in a loan transaction and is obligated to repay the loan amount. | This is not identical to “any prospective customer.” Its interaction with services offered before a new loan, or services sold to someone with no existing loan, requires construction not located here. **C002.** |\n| **Consumer** | An individual solicited to purchase, or purchasing, services of a credit services organization. | The statute uses both buyer and consumer; they should not be collapsed without analysis. **C003.** |\n| **Covered organization** | A person or entity offering, performing, or representing that it will perform the listed services for money or other valuable consideration, concerning credit extended by others. | Representations can establish the service predicate even before results are delivered. **C004, C006.** |\n| **Extension of credit** | Credit offered or granted primarily for personal, family, or household purposes. | A business-purpose label, individual owner, or mixed-use transaction does not settle the predominant-purpose question. **C005.** |\n| **Credit improvement** | Improving a buyer’s credit record, history, or rating is expressly listed. | A guarantee is not necessary to make the activity relevant. **C004.** |\n| **Credit-obtaining assistance** | Obtaining credit, locating an independent unaffiliated third-party lender, and obtaining an installment loan from an independent lender are listed. | State coverage can extend beyond CROA’s credit-improvement definition. **C008.** |\n| **Advice or education** | Advice or assistance concerning the specified credit-improvement, credit-obtaining, or lender-location activities is listed. | General budgeting education is not automatically the same service; the actual promises and consideration matter. **C007–C008.** |\n| **Monitoring or report access** | Monitoring alone is not separately named. | Monitoring bundled or marketed with credit-improvement advice may fall within applicable definitions. No universal monitoring exemption was established. **C007.** |\n| **Negotiation** | Its legal significance depends on what is promised and performed. | Negotiation represented as credit improvement or credit-obtaining assistance may implicate this statute; debtor-side adjusting remains a separate inquiry. **C008.** |\n| **Referral** | Lender-location services can be covered, but a particular solely-for-referral charge is prohibited. | Coverage and fee legality are separate questions. **C008, C032.** |\n| **Mixed services** | Separate descriptions or prices do not automatically establish legally independent services. | Integration, representations, contract terms, and actual performance remain necessary. **C030, C055, C096.** |\n| **Remote provider** | The statute requires an Arkansas service-of-process agent in the covered contract, but that is not a complete territorial test. | No universal remote-provider safe harbor or jurisdictional rule was established. The separate telephonic-seller nexus is more explicit. **C009, C097.** |\n\nThe statutory advice clause expressly cross-references the first three listed service categories; it does not expressly repeat the fourth installment-loan category in that cross-reference. That drafting detail is preserved rather than rewritten. [Justia Law](https://law.justia.com/codes/arkansas/title-4/subtitle-7/chapter-91/subchapter-2/section-4-91-202/)\n\n## A2. Every listed state exclusion\n\nThese are exclusions from the state definition, not blanket exemptions from all consumer-protection, lending, professional, federal, or telemarketing law.\n\n| § 4-91-202(a)(3)(B) category | Required statutory conditions | What is not enough |\n| --- | --- | --- |\n| **Authorized lender** | Authorized to make loans under state or federal law, plus the specified regulatory-supervision or HUD-approved mortgage-insurance-lender condition. | Merely arranging loans, using a lender’s name, or having an ordinary business registration. **C010.** |\n| **Listed financial institutions** | The enumerated bank, trust, savings, building-and-loan, savings-and-loan, or credit-union status; authorization under financial-institution law; and the stated insurance language. | A generic “financial company” or affiliate label. The clause ending with “or their operating subsidiaries” requires careful application; no unlimited affiliate exemption is inferred. **C011.** |\n| **Nonprofit corporation** | A nonprofit corporation qualifying under Internal Revenue Code § 501(c)(3). | A nonprofit label, state nonprofit formation alone, or claimed benevolent purpose. **C012.** |\n| **Real-estate agent or broker** | Licensed and performing activities subject to Arkansas Real Estate Commission regulation. | License ownership while selling unrelated credit-repair services. **C013.** |\n| **Collection agency** | Licensed and performing activities subject to State Board of Collection Agencies regulation. | A collection license as a general authorization for any credit-repair product. **C014.** |\n| **Attorney** | Arkansas-licensed; rendering legal services to a client; the otherwise covered conduct is ancillary to those legal services. | An attorney affiliation, referral, ownership connection, or nominal supervision. **C015.** |\n| **Specified securities or commodities actor** | The listed broker-dealer, futures commission merchant, trading adviser, or agent status, with the stated registration and regulation. | A financial-adviser title without the statutory status and activity. **C016.** |\n| **Consumer reporting agency** | The incorporated definition in 15 U.S.C. § 1681a(f), **as it existed January 1, 2017**. | Selling a report or calling a service “monitoring.” The exact frozen historical text was not retrieved from the attempted official 2016 sources. **C017.** |\n\nThere is no general employee, salesperson, independent-contractor, education-provider, or affiliate exclusion in this list. The prohibited-practices subsection expressly includes specified sales personnel, representatives, and independent contractors. In a proceeding under the subchapter, the person claiming an exemption or exception bears the statutory burden. **C018–C019.** [Justia Law](https://law.justia.com/codes/arkansas/title-4/subtitle-7/chapter-91/subchapter-2/section-4-91-202/)\n\nThe federal incorporated nonprofit, creditor, depository-institution, and credit-union definitions were read where material. The complete HUD approval framework, securities licensing statutes, and all affiliate-definition chains were not completed. No actual exemption is established.\n\n# B. Registration and security\n\n## B1. What § 4-91-202 establishes\n\n| Question | Finding from the operative section and bounded search | Remaining limitation |\n| --- | --- | --- |\n| Dedicated CSO registration issuer | No dedicated registration-grant procedure was established in § 202. | This is not a declaration that no other registration or license can apply. **C020.** |\n| Initial/renewal/branch/DBA charge | No CSO-specific government amount, annual term, renewal, branch fee, or ownership-change filing was verified from this section. | **Unknown is not zero.** General entity, professional, lending, and conditional telephonic requirements are separate. **C021.** |\n| State advance-charge condition | A **$10,000 surety bond and an insured in-state trust account** are required to invoke the stated exception to the state complete-performance prohibition. | Neither condition overrides CROA or the TSR. **C022, C029.** |\n| Obligor and surety | The organization obtains the bond; the surety must have the right to do business in Arkansas. | No current credit-repair-specific approved blank instrument was authenticated. **C023.** |\n| Trust custodian/location | State or national bank or savings-and-loan association in Arkansas; deposited funds federally insured. | No permission to substitute an out-of-state account or unrelated debt-relief account was established. **C024.** |\n| Trust amount and operation | The section does not specify a minimum balance, deposit percentage, withdrawal schedule, reconciliation method, or fee-release procedure. | Do not fill these gaps with another state’s rules. **C025.** |\n| Bond amount versus cost | $10,000 is the bond’s required amount, not a verified premium or a consumer fee. | Collateral, premium, customer funds, and recovery are separate. **C026.** |\n| Disclosure wording | The statement describes a right to proceed against a bond **or** trust and identifies the surety **or** trust details. | This disclosure wording does not convert subsection (e)’s cumulative **and** into an alternative. **C027.** |\n| Claim/beneficiary process | The statute requires disclosure of the buyer’s right to proceed against the security. | Exact filing recipient, approved payee language, claim priority, aggregate treatment, cancellation notice, and defenses remain held. **C028.** |\n| Performance and installments | Without an applicable state exception, charging or receiving money before complete agreed performance is prohibited. | Calling a charge an installment, setup fee, subscription, or “earned milestone” does not establish an exception. **C029–C030.** |\n| Numeric service-fee cap | No general dollar or percentage price cap was verified in § 202. | That is not unrestricted pricing or an all-law conclusion. **C031.** |\n| Referral-only fee | The specified charge solely for referral to generally available credit terms is prohibited. | Substantive services and actual terms must be established; relabeling a referral is insufficient. **C032.** |\n\nThe security requirements are a **conditional exception to one state timing prohibition**, not a certificate of overall authorization. [Justia Law](https://law.justia.com/codes/arkansas/title-4/subtitle-7/chapter-91/subchapter-2/section-4-91-202/)\n\n## B2. Loan charges and interest are a separate restriction\n\nSection 202(b) invokes § 4-57-104 for loans obtained under the section. It also treats the specified amounts paid or payable to the organization beyond the lender-provided amount as interest for that purpose.\n\nSection 4-57-104 incorporates the applicable limits in Arkansas Constitution Amendment 89. Amendment 89 distinguishes particular federally insured institutional loans from other loans and states a 17% annual ceiling for its “other loans” category, with further provisions concerning federal law and consequences. **That is not a universal 17% credit-repair-service fee cap.**\n\nThe applicable institution, transaction, federal rule, interest characterization, and rate must be established before using that ceiling or its consequences. No actual loan-interest calculation or usury determination is made. **C033–C034.** [Arkansas Legislature+2](https://arkleg.state.ar.us/Home/FTPDocument?path=%2FACTS%2F2013%2FPublic%2FACT1124.pdf)\n\n## B3. Separate conditional telephonic-seller registration\n\nA credit-services seller can independently enter **Chapter 99** if its sales activity satisfies that chapter. This is not automatic merely because a telephone is used.\n\nThe definition addresses specified outbound representations—such as bonuses, prizes, below-regular-price offers, or identity/supplier misrepresentations—and specified inbound responses to unsolicited notifications. It contains separate exclusions for qualifying securities, insurance, publishing, prior-customer, face-to-face, supervised-financial-institution, burial, public-utility, issuer, commodity, and resale transactions. Each has its own activity and status conditions. **C095–C096.** [Justia Law](https://law.justia.com/codes/arkansas/title-4/subtitle-7/chapter-99/subchapter-1/section-4-99-103/)\n\nWhere that definition applies and no exclusion is established:\n\n| Requirement | Verified statutory amount or step | Qualification |\n| --- | --- | --- |\n| Issuer and nexus | Secretary of State; solicitation **from Arkansas or to purchasers in Arkansas** is addressed. | This is Chapter 99’s rule, not a complete § 202 jurisdiction test. |\n| Initial seller registration | At least ten days before doing covered business; **$100** filing fee. | No actual filing date computed. |\n| Seller term/renewal | One year from effective registration; **$100** renewal fee. | Registration is not general approval of credit-repair charges. |\n| Salesperson | Register within seventy-two hours after accepting covered employment; **$10**, one-year term. | Principal-agent and salesperson predicates apply. |\n| Material changes | Addendum within ten days; salesperson changes have the statutory quarterly update rule. | No assumption that a generic ownership percentage transfers a registration. |\n| Names, locations, ownership | Filing information includes legal/DBA names, relevant affiliates, locations, numbers, principals, scripts, and materials. | The statute and public form are not identical in every field. |\n| Basic bond | **$50,000**, authorized surety, in favor of Arkansas; copy filed with Secretary of State. | Separate from the $10,000 § 202 bond. No substitution established. |\n| Promotional security | Additional requirements where a promotion reaches the statutory $500 threshold. | The statute says **$500 or more**; the public form uses different “more than” wording. |\n| Exemption records | Claimant must retain information substantiating the claimed Chapter 99 exemption. | An exemption label is not a determination. |\n\nAct 728 of 2017 moved the specified administration to the Secretary of State and expressly became effective **January 1, 2018**—not its March 28, 2017 approval date. **C097–C105, C109.** [Arkansas Legislature+1](https://arkleg.state.ar.us/Home/FTPDocument?path=%2FACTS%2F2017R%2FPublic%2FACT728.pdf)\n\n### Public forms were read, but conflicts remain\n\nThe currently linked Secretary of State files have May 2025 revision identifiers in their filenames. Their actual fields and instructions were inspected:\n\n| Form | Actual contents read | Material qualification |\n| --- | --- | --- |\n| **TS-01 — Telephonic Seller Annual Registration** | $100; formation materials; $50,000 bond; names/DBAs, locations, affiliates, principals, scripts, and verification. | Seven-page file refers to a declaration on “p. 8”; it refers to TS-02 for seller consent, while the actual TS-02 is the salesperson form. |\n| **TS-03 — Telephonic Salesperson Annual Registration** | $10; seventy-two-hour submission statement; names used, address, verification. | It refers to TS-04, whose actual title is seller consent. |\n| **TS-05 — Bond for Telephonic Seller** | Principal/surety, $50,000 penal sum, aggregate cap, continuity for pre-cancellation liabilities, signatures and surety authority. | Retains an older Consumer Protection Division reference and promotional-threshold wording inconsistent with the statute. |\n| **TS-02 / TS-04 — Consent forms** | Salesperson and seller titles, respectively; service consent, signature, and notarization fields. | Both contain a “charitable organization” reference inconsistent with their titles. No actual instrument was completed or accepted. |\n\nThe registration instructions say email submission; the bond form says mail. These are operational discrepancies to resolve, not permission to guess the accepted filing method. The forms establish what was publicly posted and read, not a named actor’s registration or a universally compliant instrument. **C106–C108, C110.** [Arkansas Secretary of State+4](https://www.sos.arkansas.gov/uploads/bcs/SoS-TS01_TelephonicSellerAnnualRegistration_rvs05-2025_1.pdf)\n\n# C. Disclosure, contract, cancellation, and return requirements\n\n## C1. State disclosure and contract matrix\n\n| Stage or term | Required state content or act | Important distinction |\n| --- | --- | --- |\n| Before contracting or payment | Give the written statement **before the earlier** of execution or receipt of consideration. | A later contract attachment does not automatically satisfy the prepayment trigger. **C035.** |\n| Credit-file rights | Explain file review, dispute rights, approximate file-access price, and the stated adverse-credit free-file information. | The state’s thirty-day description cannot be used to reduce the current federal sixty-day right. **C036–C037.** |\n| Services and price | Complete, detailed service description and total amount paid or becoming payable. | Price disclosure is not fee authorization. **C036.** |\n| Security information | Buyer’s right to proceed against security; surety details or specified depository/trustee/account details. | Does not establish the unseen security’s validity. **C027–C028.** |\n| Acknowledgment and retention | Exact statement copy personally signed by buyer acknowledging receipt; retain two years. | Distinct from contract-copy and cancellation-copy duties. **C038.** |\n| Written contract | Contract or agreement must be written. | The new text does not simply reproduce every old 1987 signing sentence; this does not establish that an unsigned agreement is valid. **C039.** |\n| Loan APR | Prominent disclosure in bold **20-point Arial**, within a **1.5-point rectangle**, for the stated loan transaction. | Do not invent a rate or mechanically insert an APR into a transaction whose loan character is unresolved. **C040.** |\n| Payment terms | Total payments to the organization **or others**. | A third-party payment label does not automatically remove it from disclosure. **C041.** |\n| Performance | Detailed services, guarantees, refund promises, and estimated completion date or duration. | Promising a refund and owing a statutory cancellation return are different. **C042.** |\n| Business identity | Principal business address and Arkansas service-of-process agent’s name/address. | This does not itself establish remote-provider jurisdiction or authorization. **C043.** |\n| Cancellation statement | Bold, conspicuous, immediately near buyer signature space; fifth-day-after-transaction formulation. | Do not silently replace its trigger with the separate notice’s signing trigger. **C044.** |\n| Cancellation form | Completed, duplicate, attached, easily detachable, bold, same language as contract. | This is a prescribed requirement, not an approved replacement contract created here. **C045.** |\n| Contract copies | New § 202(d)(3) says copies of completed contract and other required signed documents at cancellation. | CROA separately requires copies at signing when applicable. **C046.** |\n\nThe copy-at-cancellation wording appears in both the official enactment and the 2025 reproduction. The repealed provision’s copy-at-signing language cannot silently be treated as the new state clause. [Arkansas Legislature+2](https://arkleg.state.ar.us/Home/FTPDocument?path=%2FACTS%2F2017R%2FPublic%2FACT944.pdf)\n\n## C2. Cancellation and refund clocks\n\n| Rule | Trigger and period actually stated | What remains unresolved |\n| --- | --- | --- |\n| State contract statement | Before midnight of the fifth day after the transaction. | Meaning of transaction where signing, payment, and service dates differ. |\n| State detachable notice | Within five days from signing; mail or deliver signed dated notice or other writing to seller’s business address. | Exact dispatch/receipt edge cases and generally applicable holiday/counting law were not fully harmonized. |\n| State return language | Any payment under the contract returned within ten days after seller receives cancellation notice. | No automatic deduction for work already performed is stated in that required notice. |\n| Federal CROA cancellation | Before midnight of the third **business** day beginning after execution or the stated enforceability event. | Do not assume three business days is always shorter than five calendar days. |\n| Federal form wording | The prescribed cancellation form uses “3rd day,” while the operative provision uses business days. | Preserve the statutory wording difference; do not silently rewrite it into a new compliance form. |\n| Federal service commencement | § 1679d(a)(2) separately bars services before the end of its three-business-day period beginning on signing. | This is not the same textual trigger as every cancellation sentence. |\n| Later contractual refund | Governed by the actual promise and other applicable law. | Not every cancellation outside the initial period produces the same statutory return. |\n| Defective contract | CROA noncompliance can make the covered services contract void and unenforceable. | That is different from exercising ordinary cancellation; state whole-contract consequences require separate authority. |\n\n**C047–C055, C070–C072.** [Justia Law+3](https://law.justia.com/codes/arkansas/title-4/subtitle-7/chapter-91/subchapter-2/section-4-91-202/)\n\nNo actual cancellation deadline is calculated. The worked examples deliberately use nonboundary events.\n\n## C3. Prohibited representations and waivers\n\nState § 202(e) prohibits the specified false or misleading creditworthiness statements or advice and deceptive sale practices. It also prohibits the described solely-for-referral charge. Federal § 1679b(a) separately addresses false credit statements and identity-alteration advice intended to conceal accurate, current credit information, as well as deceptive credit-repair sales. No advice to create a new identity or remove accurate information is authorized here. **C032, C051–C052.**\n\nState waiver attempts violate the subchapter and buyer waivers are void. Federal CROA has both nonwaiver provisions and a separate noncompliant-contract rule. No general state severability result is established from Amendment 89’s own severability clause or from unrelated law. **C053–C055.** [Justia Law+2](https://law.justia.com/codes/arkansas/title-4/subtitle-7/chapter-91/subchapter-2/section-4-91-202/)\n\n## C4. Actor and event workflow — 14 rows\n\n| Row | Actor/event | Required decision or step | Clock/effect and hold |\n| --- | --- | --- | --- |\n| **W01** | Provider designs service | Test state definitions, actual representations, consideration and exclusions. | C002–C019; no label-based permission. |\n| **W02** | Provider chooses sales channel | Independently test Chapter 99 and TSR coverage. | C076, C082, C095–C105. |\n| **W03** | Provider claims exemption | Establish each status/activity predicate and state burden. | C010–C019; no individual status search. |\n| **W04** | Before first contract/payment | Give state statement; if CROA applies, give its separate precontract statement. | C035–C038, C069. |\n| **W05** | Contract executed | Supply required terms, formatting, cancellation documents, and federally required copies. | C039–C046, C070–C072. |\n| **W06** | Services scheduled | Apply CROA’s initial no-service period where covered. | C070; actual business-day calendar held. |\n| **W07** | Provider requests/receives money | Test state complete performance/security, CROA, and applicable TSR independently. | C022–C030, C068, C077–C081. |\n| **W08** | Partial work completed | Determine actual promised service and lawful divisibility. | C030, C055; no automatic proportional earning. |\n| **W09** | Buyer cancels | Use required notice route and establish timely event. | C044–C048, C071. |\n| **W10** | Seller receives cancellation | Apply state return language to payments under the contract. | C047–C050; receipt evidence necessary. |\n| **W11** | Refund promise invoked later | Determine contractual trigger and amount separately. | C042, C050; no universal statutory percentage. |\n| **W12** | Security claim considered | Establish actual bond/trust, claimant right, process and coverage. | C023–C028; no recovery presumed. |\n| **W13** | Noncompliance alleged | Distinguish cancellation return, state private/public remedy, and CROA liability. | C053–C062, C073–C075. |\n| **W14** | Mixed service or channel changes | Reassess integration, disclosure, registration and federal predicates. | C007–C009, C096–C112. |\n\n# D. Necessary federal overlap and limited remedies\n\n## D1. The reviewed PASS-02 distinction, freshly confirmed\n\nThe bounded PASS-02 premise is preserved: **state bond-and-trust language does not create a federal advance-fee exception**. The new work here adds the state contract, cancellation, exemption, security, and remedy detail. It does not treat PASS-02 as a completed state dossier.\n\n| Regime | Coverage and timing rule | Difference that matters |\n| --- | --- | --- |\n| Arkansas § 202(e)(1) | Covered state organization generally may not charge or receive before complete agreed performance, absent its bond **and** trust condition. | A state exception to one prohibition—not general permission. |\n| CROA § 1679b(b) | Covered organization may not charge or receive for an agreed service before that service is fully performed. | No state-bond or state-trust exception. |\n| TSR § 310.4(a)(2) | For covered credit-repair telemarketing, represented timeframe expired **and** required results report provided; report issued more than six months after results. | Requesting payment is also covered. Both prerequisites precede the request/receipt, with no required relative order between them. |\n| TSR § 310.4(a)(4) | Covered guaranteed/high-likelihood loan-obtainment offer cannot demand advance consideration before obtaining the credit. | Potentially relevant to state credit-obtaining services even without a credit-score promise. |\n| TSR § 310.4(a)(5) | Separate debt-relief performance/payment/allocation framework. | Its dedicated-account language does not create an exception to credit-repair paragraph (a)(2). |\n\nThe attorney exception in paragraph (a)(3) concerns the specified recovery-services provision. It is not an attorney exception to paragraph (a)(2). No proposed 180-day, state-license, or attorney alternative is treated as enacted law. **C063–C083.** [U.S. Code+2](https://uscode.house.gov/us/usc/119-124/t15/s1679a/)\n\n### Federal coverage is not universal\n\nCROA requires the actual consideration, interstate-commerce or mail use, and express or implied credit-improvement/advice purpose. Its exclusions separately address qualifying nonprofit organizations, a defined creditor restructuring debt owed to that creditor, and specified depository institutions/credit unions and affiliates or subsidiaries.\n\nThe state exclusion for an Arkansas attorney or a state-regulated collection agency does not itself establish a CROA exclusion. Conversely, a federal exclusion does not prove every state exclusion. **C063–C067.** [U.S. Code+1](https://uscode.house.gov/us/usc/119-124/t15/s1679a/)\n\nTSR coverage requires the actual telemarketing and jurisdictional predicates. The rule includes a qualifying face-to-face branch and a truly unsolicited inbound branch, but the general advertisement/direct-mail inbound exemptions do **not** broadly exempt the listed credit-repair offers. Third-party telemarketer treatment and nonprofit or institutional jurisdiction must be independently established. **C076, C082–C083.** [eCFR](https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.6)\n\n## D2. Limited remedy matrix\n\n| Pathway | Supported consequence | What is not established |\n| --- | --- | --- |\n| State § 202(h) | A violation is designated deceptive/unconscionable and directed to ADTPA remedies. | Automatic consumer recovery without applicable elements. |\n| Private ADTPA action | Actual financial loss proximately caused by reliance; individual proof; court may award reasonable attorney fees. | Reuse of the repealed credit-services “all paid” state floor. |\n| ADTPA public action | Attorney General may seek prevention, restoration and statutory penalties; § 113(a)(3) permits up to $10,000 per violation payable to the state. | A consumer’s automatic $10,000 refund or award. |\n| Controller/assistance liability | Knowledge or reasonable-knowledge predicates under § 113(d) matter. | Universal liability or jurisdiction merely from affiliation or a website. |\n| CROA private liability | Once liability is established, § 1679g uses the greater of actual damage or amount paid, with separately authorized punitive damages and successful-action costs/fees. | Automatic judgment, duplicative recovery, or a fixed punitive amount. |\n| CROA public enforcement | FTC authority and state actions under § 1679h, including notice/intervention and concurrent-action limits. | A filed complaint, investigation, or result in this pass. |\n| Bond/trust claim | Required state disclosure recognizes a right to proceed against security. | Automatic payment of the penal sum, per-consumer coverage, or proven claim priority. |\n| Ordinary cancellation | State notice promises return of payments under the contract within its receipt-based period. | Resolution of every defect, penalty, or independent damage claim. |\n\nThe ADTPA also contains applicability exclusions. *Air Evac* adopted a **specific-conduct**, not merely regulated-business, approach to the provision it construed. Full interaction of § 202(h), federal-compliance language, and each ADTPA exclusion remains fact-dependent. **C056–C062, C073–C075, C087.** [Justia Law+3](https://law.justia.com/codes/arkansas/title-4/subtitle-7/chapter-88/subchapter-1/section-4-88-113/)\n\n### Repealed versus current remedies\n\nAct 944 repealed the former § 4-91-105, which had its own damages, fee, and punitive-damages language. That old section cannot be cited as the current state CSO remedy. Federal § 1679g is a separate current statute and has its own predicates. **C061, C073.**\n\nThe 2017 ADTPA amendment also changed private-action requirements and includes a statutory class-action limitation with an Amendment 89 exception. Its interaction with federal procedure and other law is outside this limited gateway; no actual class-action ruling is made. **C057–C058.** [Arkansas Legislature+1](https://arkleg.state.ar.us/Home/FTPDocument?path=%2FACTS%2F2017R%2FPublic%2FACT944.pdf)\n\n## D3. Published construction actually read\n\n| Authority | Court/date, posture, and material holding | Limits and separate writings |\n| --- | --- | --- |\n| **Air Evac EMS, Inc. v. USAble Mutual Insurance Co., 2017 Ark. 368** — S038 | Arkansas Supreme Court, December 14, 2017; certified questions. The majority adopted the specific-conduct interpretation of the ADTPA regulated-activity provision and addressed Act 986’s wording. | Insurance/ADTPA posture, not § 202 contract or bond adjudication. Baker dissented; Kemp did not participate. Official opinion route failed; primary-opinion reproduction used. |\n| **CompuCredit Corp. v. Greenwood, 565 U.S. 95** — S039 | U.S. Supreme Court, January 10, 2012. CROA’s right-to-sue disclosure and nonwaiver language did not categorically bar enforcement of the arbitration agreement under the FAA. | Coverage was not decided as a credit-repair-classification holding. Sotomayor, joined by Kagan, concurred in the judgment; Ginsburg dissented. Full arbitration enforceability remains deferred. |\n| **Zimmerman v. Cambridge Credit Counseling Corp., 409 F.3d 473** — S040 | First Circuit, May 31, 2005; dismissal-stage appeal. Federal nonprofit exclusion required both actual nonprofit operation and § 501(c)(3) tax-exempt status; allegations warranted further proceedings. | **Disclosed comparison, not controlling Arkansas/Eighth Circuit authority.** No final finding that the entity was for-profit; burden issue in footnote 10 was not decided. |\n| **Stout v. FreeScore, LLC, 743 F.3d 680** — S041 | Ninth Circuit, February 21, 2014; dismissal reversed. Paid monitoring/report services combined with the actual credit-improvement representations could fall within CROA. | **Disclosed comparison.** Not every monitoring service is covered; a disclaimer did not dispose of the pleaded representations in that case. |\n\nA bounded search did not produce a responsive published Arkansas or Eighth Circuit majority resolving the 2017 statute’s unusual buyer definition, trust mechanics, copy-at-cancellation wording, or full cancellation/refund integration. That is not proof that no such authority exists. No complete citator clearance is claimed. **C084–C088, C094.** [GovInfo+2](https://www.govinfo.gov/content/pkg/USREPORTS-565/pdf/USREPORTS-565-95.pdf)\n\n# E. Four worked examples\n\nAll facts, entities, dates, prices, payments, premiums, collateral, and performance events are fictional. They illustrate conditional rules and accounting only. All dollar inputs are exact to cents; no rounding issue arises. No actual contract or permissible fee is determined.\n\n## Model 1 / P01 — State-only timing versus covered federal no-advance\n\n### Assumed state-only branch\n\nAssume:\n\n- An existing consumer borrower buys substantive assistance obtaining a new household loan.\n- The actual service is not represented, expressly or implicitly, as improving credit history or rating.\n- No covered telemarketing program is used.\n- The provider is covered by state § 202 and no exclusion applies.\n- The service is not merely referral to generally available terms.\n- Required state disclosures and contract conditions are satisfied.\n- A qualifying $10,000 bond and insured Arkansas trust account are established.\n- Price is $600; a $150 advance is received and left unapplied.\n\nThe state security condition potentially removes **that one state complete-performance prohibition**. It does not establish compliance with lending, interest, referral, contract, or other law.\n\n| Ledger item | Amount |\n| --- | --- |\n| Consumer receipt | $150.00 |\n| Applied as earned | $0.00 |\n| Returned | $0.00 |\n| Unapplied customer balance | **$150.00** |\n| Actual creditor payment | **$0.00** |\n| Change in creditor principal | **$0.00** |\n\n150−0−0=150150-0-0=\\boxed{150}150−0−0=150​Assume a private surety premium of $240, paid from provider money. That is a stipulated business expense—not the statutory price of the bond and not a consumer charge. The $10,000 penal sum is not a $10,000 expense or client deposit.\n\n### Covered federal branch\n\nChange the facts: the provider uses interstate communications to sell the service as improving the consumer’s credit. CROA applies and no exclusion is established.\n\nBefore the agreed service is fully performed, the $150 cannot be charged or received under § 1679b(b), regardless of state security. If it was nevertheless received and then fully returned:\n\n150 receipt−150 return−0 application=0150\\text{ receipt}-150\\text{ return}-0\\text{ application}=\\boxed{0}150 receipt−150 return−0 application=0​The return does not automatically eliminate every possible prior violation or remedy. **C022–C030, C063–C068, C093.**\n\n## Model 2 / P02 — Partial performance, completion, contractual refund, and TSR timing\n\nAssume a single $800 credit-repair service promises four deliverables. CROA applies; any initial no-service period has ended. No state advance exception is assumed.\n\nCompleting three of four deliverables does **not** establish:\n\n$800×34=$600\\$800\\times \\frac{3}{4}=\\$600$800×43​=$600as a legally earned or collectible amount. The arithmetic is valid; the assumed legal divisibility is not established.\n\nLater, assume all agreed service is fully performed, no TSR coverage exists, no cancellation or defect prevents payment, and all other applicable conditions are satisfied:\n\n800 received−800 applied=0 unapplied800\\text{ received}-800\\text{ applied}=0\\text{ unapplied}800 received−800 applied=0 unappliedAssume a genuine contractual promise later requires a **25% refund** on a specified event. This percentage is fictional, not a statutory rate:\n\n800×25%=$200800\\times25\\%=\\$200800×25%=$200800−200=$600 retained800-200=\\boxed{\\$600\\text{ retained}}800−200=$600 retained​No creditor receives this service payment, so creditor principal remains unchanged.\n\n### TSR branch: both event orders can satisfy the sequencing requirement\n\nAssume promised results occurred **February 10, 2026**.\n\nThe six-calendar-month anniversary is **August 10, 2026**. A report issued **August 20** is more than six months afterward.\n\n| Branch | Represented timeframe expires | Qualifying report issued/provided | Fictional payment request |\n| --- | --- | --- | --- |\n| Report first | September 30 | Issued August 20; provided August 21 | October 2 |\n| Timeframe first | July 31 | Issued August 20; provided August 21 | August 24 |\n\nBoth branches place **both required events before the request**, assuming the report demonstrates the promised results and all other predicates are satisfied.\n\nA report issued **August 1**, before the six-month anniversary, does not become qualifying merely because the seller waits until October to send it or request money. No 180-day conversion is used. **C068, C077–C081.**\n\n## Model 3 / P03 — Cancellation, receipt, and return\n\nAssume the transaction and signing occur **Tuesday, October 6, 2026**. A signed written cancellation is delivered to and received by the seller on **Wednesday, October 7**.\n\nThis deliberately avoids the contested outer boundary of either five-day state wording or three-business-day federal wording.\n\nAssume the buyer paid $300 under the state-covered contract. The provider claims it incurred $75 of internal work costs.\n\nThe prescribed state cancellation notice promises return of **payments under the contract**, not payment minus an automatically authorized work-cost deduction:\n\n300 received−300 returned=0300\\text{ received}-300\\text{ returned}=\\boxed{0}300 received−300 returned=0​Assume the full $300 is returned on **Tuesday, October 13**—six elapsed calendar days after receipt. The example does not purport to calculate the last permissible day or resolve every holiday/business-day rule.\n\n| Account | Opening | Change | Closing |\n| --- | --- | --- | --- |\n| Customer money held | $300.00 | −$300.00 return | **$0.00** |\n| Provider service amount retained | $0.00 | $0.00 | **$0.00** |\n| Creditor principal | $4,000.00 | $0.00 | **$4,000.00** |\n\n**Adverse branches:** If CROA applied and the $300 was an impermissible advance, returning it does not retroactively authorize the charge. If notice is first sent near an outer deadline, dispatch, delivery, signing, transaction, and receipt facts require separate legal analysis. **C044–C050, C068–C072.**\n\n## Model 4 / P04 — Mixed services, full-contract cancellation, and separate security accounting\n\nAssume a seller labels a package:\n\n- Monitoring/education: $150.\n- Repair: $550.\n- Total received: **$700**.\n\n### Branch A: one integrated covered contract\n\nAssume timely cancellation applies to the whole contract:\n\n700−700 return−0 retained=0700-700\\text{ return}-0\\text{ retained}=\\boxed{0}700−700 return−0 retained=0​Line-item pricing alone does not establish a right to retain $150.\n\n### Branch B: legally independent service established\n\nOnly for arithmetic, assume competent legal determination establishes:\n\n- A genuinely separate, lawful, completed $150 service;\n- Its payment is not barred by applicable law;\n- The $550 contract alone is validly canceled;\n- No other refund or invalidity rule requires return of the $150.\n\nThen:\n\n700−550 return−150 lawful application=0 unapplied700-550\\text{ return}-150\\text{ lawful application}=\\boxed{0\\text{ unapplied}}700−550 return−150 lawful application=0 unapplied​The legal independence is an assumption, not a finding supplied by this model.\n\n### Provider security ledger—separate from customer money\n\nAssume the provider begins with $2,500 of its own money:\n\n- Stipulated private premium: $250.\n- Stipulated refundable surety collateral: $1,000.\n\n2,500−250−1,000=$1,250 unrestricted provider cash2{,}500-250-1{,}000=\\boxed{\\$1{,}250\\text{ unrestricted provider cash}}2,500−250−1,000=$1,250 unrestricted provider cash​The $1,000 collateral is separately held; the $10,000 bond penal sum is not an additional cash outflow. No bond award is assumed.\n\n### Creditor ledger—also separate\n\nAssume the consumer independently pays a creditor $200 on $5,000 principal, with no interest or other adjustment in this example:\n\n5,000−200=$4,8005{,}000-200=\\boxed{\\$4{,}800}5,000−200=$4,800​The provider’s $700 receipt, refund, or retention does not reduce creditor principal. **C025–C030, C050, C055, C093, C108.**\n\n## Twelve additional fictional postures\n\n| Posture | Facts | Positive/adverse boundary |\n| --- | --- | --- |\n| **P05** | Company sells only report monitoring, then advertises score improvement and advice. | Actual representations may change coverage; a “not credit repair” disclaimer is not dispositive. |\n| **P06** | Borrower pays solely for introduction to a lender offering ordinary public terms. | State referral-fee prohibition is material; calling it an application fee does not resolve it. |\n| **P07** | Arkansas lawyer provides ancillary credit advice during actual legal representation. | State exclusion requires all conditions; federal CROA and TSR are separately tested. |\n| **P08** | Nonprofit corporation claims § 501(c)(3) status but operates for private profit. | State status and federal nonprofit operation/tax conditions require evidence; no entity lookup performed. |\n| **P09** | Licensed collection agency sells an unrelated credit-improvement subscription. | License ownership does not establish that the activity is within its regulated collection function. |\n| **P10** | Real-estate licensee offers a separately branded credit-repair package. | Actual regulated real-estate activity is required for the listed state exclusion. |\n| **P11** | Broker calls itself a consumer reporting agency. | Current report access alone does not establish the frozen 2017 incorporated definition. |\n| **P12** | Company markets new credit before the customer has ever received a loan. | State “buyer” wording creates an application question; it is not resolved by ignoring that definition. |\n| **P13** | Customer signs a cancellation waiver or “nonrefundable” clause. | State and federal nonwaiver rules must be applied; a label does not defeat a statutory return right. |\n| **P14** | Provider recommends changing identity details to conceal accurate credit history. | Federal false-identity and state misleading-statement provisions are implicated; no legitimate-service exception assumed. |\n| **P15** | Seller phones Arkansas residents with a special-discount or bonus offer. | Chapter 99 definition/exclusions, registration, and separate security may apply in addition to § 202 and federal law. |\n| **P16** | Seller has a $50,000 telephonic bond and assumes that replaces § 202’s bond and trust. | No substitution or cross-credit was established; separate statutes and instruments must be satisfied. |\n\n# F. Complete source register\n\n## Reading conventions\n\nUnless expressly marked otherwise, each source was freshly accessed or attempted **October 27, 2026**. Exact opening times are unknown.\n\n- **P:** official primary body.\n- **R:** primary legal text or opinion reproduced by a nonofficial host.\n- **M:** secondary codification.\n- **G:** guidance, form, or index.\n- **F:** failed or incomplete access.\n\nMultiple sections in one act are not independent corroboration. The 2025 Code mirrors are not official October 2026 authentication. A filename revision, page update, publication date, approval date, and commencement date are different facts.\n\n## F1. Arkansas core and remedy authorities\n\n| Source ID | Issuer/title/direct HTTPS URL | Actual scope, dates, status, and limits |\n| --- | --- | --- |\n| **S_AR-P08-S001** | Arkansas General Assembly, **Act 944 of 2017**. [https://arkleg.state.ar.us/Home/FTPDocument?path=%2FACTS%2F2017R%2FPublic%2FACT944.pdf](https://arkleg.state.ar.us/Home/FTPDocument?path=%2FACTS%2F2017R%2FPublic%2FACT944.pdf&utm_source=chatgpt.com) | **P:** new §202(a)–(h) and material repeals read. Definitions printed2–3/PDF1–2; disclosure3–4/PDF2–3; cancellation5/PDF4; advance-charge6/PDF5; repealed damages9/PDF8; old copy clause/approval12/PDF11. Relevant images inspected. Approved April5,2017; exact default commencement and complete later chain held. |\n| **S_AR-P08-S002** | Arkansas Code **§4-91-202**, 2025 mirror. [https://law.justia.com/codes/arkansas/title-4/subtitle-7/chapter-91/subchapter-2/section-4-91-202/](https://law.justia.com/codes/arkansas/title-4/subtitle-7/chapter-91/subchapter-2/section-4-91-202/?utm_source=chatgpt.com) | **M:** complete operative (a)–(h). History lists Act944§1; publisher disclaims guaranteed currentness. |\n| **S_AR-P08-S003** | Chapter91 index. [https://law.justia.com/codes/arkansas/title-4/subtitle-7/chapter-91/](https://law.justia.com/codes/arkansas/title-4/subtitle-7/chapter-91/?utm_source=chatgpt.com) | M/index: repealed subchapter1 and 2017 subchapter identified. Not independent proof of every current section. |\n| **S_AR-P08-S004** | Arkansas Legislature, **HB1958, 2019 status**. [https://arkleg.state.ar.us/Bills/Detail?ddBienniumSession=2019%2F2019R&id=HB1958](https://arkleg.state.ar.us/Bills/Detail?ddBienniumSession=2019%2F2019R&id=HB1958&utm_source=chatgpt.com) | P status body: proposal died in Senate committee at sine die, April24,2019. Proposal not applied; not proof of complete later-law absence. |\n| **S_AR-P08-S005** | **§4-57-104**. [https://law.justia.com/codes/arkansas/title-4/subtitle-5/chapter-57/section-4-57-104/](https://law.justia.com/codes/arkansas/title-4/subtitle-5/chapter-57/section-4-57-104/?utm_source=chatgpt.com) | M: interest cross-reference to Amendment89. Current primary chain partial. |\n| **S_AR-P08-S006** | **Act1124 of2013**. [https://arkleg.state.ar.us/Home/FTPDocument?path=%2FACTS%2F2013%2FPublic%2FACT1124.pdf](https://arkleg.state.ar.us/Home/FTPDocument?path=%2FACTS%2F2013%2FPublic%2FACT1124.pdf&utm_source=chatgpt.com) | P: material §3, printed2/PDF1, text/image; related saving language read. Approved April11,2013; exact default commencement held. |\n| **S_AR-P08-S007** | Arkansas Secretary of State, **2025 Constitution reproduction**. [https://www.sos.arkansas.gov/uploads/elections/Arkansas_Election_Laws_and_Constitution_2025_Edition.pdf](https://www.sos.arkansas.gov/uploads/elections/Arkansas_Election_Laws_and_Constitution_2025_Edition.pdf?utm_source=chatgpt.com) | P: Art5§1 printed593–594/PDF605–606; Amendment89 §§2–3,5–6,9,12–13 printed733–735/PDF745–747, text/images. Amendment89 expressly effective Jan1,2011. Later constitutional chain not fully reconstructed. |\n| **S_AR-P08-S008** | **§4-88-101**. [https://law.justia.com/codes/arkansas/title-4/subtitle-7/chapter-88/subchapter-1/section-4-88-101/](https://law.justia.com/codes/arkansas/title-4/subtitle-7/chapter-88/subchapter-1/section-4-88-101/?utm_source=chatgpt.com) | M: complete applicability exclusions; selected primary amendment in S012. |\n| **S_AR-P08-S009** | **§4-88-102**. [https://law.justia.com/codes/arkansas/title-4/subtitle-7/chapter-88/subchapter-1/section-4-88-102/](https://law.justia.com/codes/arkansas/title-4/subtitle-7/chapter-88/subchapter-1/section-4-88-102/?utm_source=chatgpt.com) | M: material definitions, including actual financial loss, person and services. |\n| **S_AR-P08-S010** | **§4-88-107**. [https://law.justia.com/codes/arkansas/title-4/subtitle-7/chapter-88/subchapter-1/section-4-88-107/](https://law.justia.com/codes/arkansas/title-4/subtitle-7/chapter-88/subchapter-1/section-4-88-107/?utm_source=chatgpt.com) | M: material deceptive-practice provisions, including relevant facilitation and catchall language. Full UDAP dossier excluded. |\n| **S_AR-P08-S011** | **§4-88-113**. [https://law.justia.com/codes/arkansas/title-4/subtitle-7/chapter-88/subchapter-1/section-4-88-113/](https://law.justia.com/codes/arkansas/title-4/subtitle-7/chapter-88/subchapter-1/section-4-88-113/?utm_source=chatgpt.com) | M: (a)–(f), public/private remedies, liability predicates and limits. No actual award calculated. |\n| **S_AR-P08-S012** | **Act986 of2017**. [https://arkleg.state.ar.us/Home/FTPDocument?path=%2FACTS%2F2017R%2FPublic%2FACT986.pdf](https://arkleg.state.ar.us/Home/FTPDocument?path=%2FACTS%2F2017R%2FPublic%2FACT986.pdf&utm_source=chatgpt.com) | P: §§1–4, printed1–2/PDF0–1, text/images. Became law April7,2017 without Governor signature. Exact commencement held; §4’s action-timing clause preserved. |\n| **S_AR-P08-S013** | **Act1015 of2021**. [https://arkleg.state.ar.us/Home/FTPDocument?path=%2FACTS%2F2021R%2FPublic%2FACT1015.pdf](https://arkleg.state.ar.us/Home/FTPDocument?path=%2FACTS%2F2021R%2FPublic%2FACT1015.pdf&utm_source=chatgpt.com) | P: material §§2–3, printed2/PDF1, text/image; assistance/controller amendments. Entire act and full effective chain not claimed read. |\n| **S_AR-P08-S014** | Official Code of Arkansas Rules. [https://codeofarrules.arkansas.gov/](https://codeofarrules.arkansas.gov/?utm_source=chatgpt.com) ; [https://codeofarrules.arkansas.gov/Rules/Search](https://codeofarrules.arkansas.gov/Rules/Search?utm_source=chatgpt.com) | G/index: database/search instructions read; bounded indexed searches performed. No responsive CSO operative rule body located. Interactive search form not submitted; negative result is limited. |\n| **S_AR-P08-S015** | Legislature, Arkansas Law index. [https://www.arkleg.state.ar.us/ArkansasLaw](https://www.arkleg.state.ar.us/ArkansasLaw?utm_source=chatgpt.com) | Official index read; external Code link identified. Current §202 body not obtained from that service. Previously blocked portal was not repeatedly retried. |\n| **S_AR-P08-S016** | Secretary of State public forms index. [https://www.sos.arkansas.gov/site/page/Security](https://www.sos.arkansas.gov/site/page/Security?utm_source=chatgpt.com) | G/index: telephonic-seller form list and links read. Actual forms separately opened below. Not a CSO-specific licensing page. |\n| **S_AR-P08-S017** | Arkansas AG credit-reporting/repair page. [https://arkansasag.gov/divisions/public-protection/finances/credit-reporting-repair-scams/](https://arkansasag.gov/divisions/public-protection/finances/credit-reporting-repair-scams/?utm_source=chatgpt.com) | **F: 403.** No inaccessible guidance treated as substantive authority. Official enactment and Code reproduction were independent successful routes. |\n\n## F2. Federal statutes and rules\n\nThe OLRC pages below displayed laws through **Public Law119-124, October15,2026**. CROA pages retain the statutory effective-date note for contracts after the six-month period beginning September30,1996; older-contract application is not decided here.\n\n| Source ID | Issuer/title/direct HTTPS URL | Actual portion read |\n| --- | --- | --- |\n| **S_AR-P08-S018** | OLRC, **15USC1679a**. [https://uscode.house.gov/us/usc/119-124/t15/s1679a/](https://uscode.house.gov/us/usc/119-124/t15/s1679a/?utm_source=chatgpt.com) | P: complete definitions/exclusions and credit cross-reference note. |\n| **S_AR-P08-S019** | **15USC1679b**. [https://uscode.house.gov/us/usc/119-124/t15/s1679b/](https://uscode.house.gov/us/usc/119-124/t15/s1679b/?utm_source=chatgpt.com) | P: prohibited statements/practices and advance-payment subsection. |\n| **S_AR-P08-S020** | **15USC1679c**. [https://uscode.house.gov/us/usc/119-124/t15/s1679c/](https://uscode.house.gov/us/usc/119-124/t15/s1679c/?utm_source=chatgpt.com) | P: required disclosure, separate-document rule and two-year acknowledgment retention. |\n| **S_AR-P08-S021** | **15USC1679d**. [https://uscode.house.gov/us/usc/119-124/t15/s1679d/](https://uscode.house.gov/us/usc/119-124/t15/s1679d/?utm_source=chatgpt.com) | P: signed/dated contract, initial service delay and required terms. |\n| **S_AR-P08-S022** | **15USC1679e**. [https://uscode.house.gov/us/usc/119-124/t15/s1679e/](https://uscode.house.gov/us/usc/119-124/t15/s1679e/?utm_source=chatgpt.com) | P: cancellation, duplicate form and copies at signing; differing wording preserved. |\n| **S_AR-P08-S023** | **15USC1679f**. [https://uscode.house.gov/us/usc/119-124/t15/s1679f/](https://uscode.house.gov/us/usc/119-124/t15/s1679f/?utm_source=chatgpt.com) | P: waiver, attempted waiver and noncompliant services contracts. |\n| **S_AR-P08-S024** | **15USC1679g**. [https://uscode.house.gov/us/usc/119-124/t15/s1679g/](https://uscode.house.gov/us/usc/119-124/t15/s1679g/?utm_source=chatgpt.com) | P: conditional civil-liability measure, punitive factors, successful-action costs/fees. |\n| **S_AR-P08-S025** | **15USC1679h**. [https://uscode.house.gov/us/usc/119-124/t15/s1679h/](https://uscode.house.gov/us/usc/119-124/t15/s1679h/?utm_source=chatgpt.com) | P: FTC/state enforcement, notice/intervention and concurrent-action limits. |\n| **S_AR-P08-S026** | **15USC1679j**. [https://uscode.house.gov/us/usc/119-124/t15/s1679j/](https://uscode.house.gov/us/usc/119-124/t15/s1679j/?utm_source=chatgpt.com) | P: state-law preservation except actual inconsistency to its extent. |\n| **S_AR-P08-S027** | **26USC501**. [https://uscode.house.gov/us/usc/119-124/t26/s501/](https://uscode.house.gov/us/usc/119-124/t26/s501/?utm_source=chatgpt.com) | P: material §501(c)(3) status/operation conditions. No actual tax-status inquiry. |\n| **S_AR-P08-S028** | **12USC1813**. [https://uscode.house.gov/us/usc/119-124/t12/s1813/](https://uscode.house.gov/us/usc/119-124/t12/s1813/?utm_source=chatgpt.com) | P: material depository/bank/savings/insured definitions and subsidiary/affiliate cross-references. Full downstream affiliate chain held. |\n| **S_AR-P08-S029** | **12USC1752**. [https://uscode.house.gov/us/usc/119-124/t12/s1752/](https://uscode.house.gov/us/usc/119-124/t12/s1752/?utm_source=chatgpt.com) | P: material federal/state credit-union and insurance definitions. |\n| **S_AR-P08-S030** | **15USC1602**. [https://uscode.house.gov/us/usc/119-124/t15/s1602/](https://uscode.house.gov/us/usc/119-124/t15/s1602/?utm_source=chatgpt.com) | P: material credit/creditor definitions, including (f)–(g), and consumer-purpose language. |\n| **S_AR-P08-S031** | **15USC1681a**. [https://uscode.house.gov/us/usc/119-124/t15/s1681a/](https://uscode.house.gov/us/usc/119-124/t15/s1681a/?utm_source=chatgpt.com) | P: material consumer-report and CRA definitions, especially (f). This is not the exact frozen January1,2017 version. |\n| **S_AR-P08-S032** | **15USC1681j**. [https://uscode.house.gov/us/usc/119-124/t15/s1681j/](https://uscode.house.gov/us/usc/119-124/t15/s1681j/?utm_source=chatgpt.com) | P: subsection(b), qualifying sixty-day adverse-action free-file route. Full FCRA not researched. |\n| **S_AR-P08-S033** | **15USC44**. [https://uscode.house.gov/us/usc/119-124/t15/s44/](https://uscode.house.gov/us/usc/119-124/t15/s44/?utm_source=chatgpt.com) | P: material FTC corporation/person definitions. Does not alone resolve every TSR jurisdiction exclusion. |\n| **S_AR-P08-S034** | eCFR, **16CFR310.2**. [https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.2](https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.2?utm_source=chatgpt.com) | Officially maintained authoritative unofficial codification; material customer, seller, telemarketer, telemarketing, person, credit and debt-relief definitions. Title16 through **Oct23,2026**. |\n| **S_AR-P08-S035** | **16CFR310.4**. [https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4](https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4?utm_source=chatgpt.com) | Material (a)(2)–(5), including exact credit-repair report timing, loan and recovery boundaries. Other conduct provisions not comprehensively analyzed. |\n| **S_AR-P08-S036** | **16CFR310.6**. [https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.6](https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.6?utm_source=chatgpt.com) | Material complete exemption body, especially (b)(3)–(7). No all-transaction exemption assumed. |\n| **S_AR-P08-S037** | FTC, *Complying with the TSR*. [https://www.ftc.gov/business-guidance/resources/complying-telemarketing-sales-rule](https://www.ftc.gov/business-guidance/resources/complying-telemarketing-sales-rule?utm_source=chatgpt.com) | **G:** relevant jurisdiction/exemption and credit-repair-payment passages only. Staff guidance, not substitute for current rule; unrelated historic content not adopted. |\n\n## F3. Published decisions and failed historical routes\n\n| Source ID | Court/title/direct HTTPS URL | Actual body, posture, and limits |\n| --- | --- | --- |\n| **S_AR-P08-S038** | Arkansas Supreme Court, *Air Evac*, **2017 Ark.368**. [https://law.justia.com/cases/arkansas/supreme-court/2017/cv-17-103.html](https://law.justia.com/cases/arkansas/supreme-court/2017/cv-17-103.html?utm_source=chatgpt.com) | **R:** operative majority on certified ADTPA question and material dissent/participation information. December14,2017. Unnumbered HTML; no PDF index asserted. |\n| **S_AR-P08-S039** | U.S. Supreme Court, *CompuCredit*, **565US95**. [https://www.govinfo.gov/content/pkg/USREPORTS-565/pdf/USREPORTS-565-95.pdf](https://www.govinfo.gov/content/pkg/USREPORTS-565/pdf/USREPORTS-565-95.pdf?utm_source=chatgpt.com) | **P:** material majority printed97–105/PDF2–10; relevant concurrence/dissent and coverage limitation. Images printed99/PDF4 and104/PDF9 inspected. January10,2012. |\n| **S_AR-P08-S040** | First Circuit, *Zimmerman*, **409F3d473**. [https://www.ca1.uscourts.gov/sites/ca1/files/opnfiles/04-2039-01A.pdf](https://www.ca1.uscourts.gov/sites/ca1/files/opnfiles/04-2039-01A.pdf?utm_source=chatgpt.com) | P: published majority, material printed4–14/PDF3–13, image printed13/PDF12. May31,2005. Footnote10 burden issue expressly unresolved. Disclosed comparison. |\n| **S_AR-P08-S041** | Ninth Circuit, *Stout*, **743F3d680**. [https://cdn.ca9.uscourts.gov/datastore/opinions/2014/02/21/10-56887.pdf](https://cdn.ca9.uscourts.gov/datastore/opinions/2014/02/21/10-56887.pdf?utm_source=chatgpt.com) | P: published majority, material facts and printed11–19/PDF10–18; images printed14/PDF13 and19/PDF18. February21,2014. Disclosed comparison. |\n| **S_AR-P08-S042** | Attempted official historical CRA definition. [https://www.govinfo.gov/content/pkg/USCODE-2016-title15/pdf/USCODE-2016-title15-chap41-subchapIII-sec1681a.pdf](https://www.govinfo.gov/content/pkg/USCODE-2016-title15/pdf/USCODE-2016-title15-chap41-subchapIII-sec1681a.pdf) ; [https://www.govinfo.gov/content/pkg/USCODE-2016-title15/html/USCODE-2016-title15-chap41-subchapIII-sec1681a.htm](https://www.govinfo.gov/content/pkg/USCODE-2016-title15/html/USCODE-2016-title15-chap41-subchapIII-sec1681a.htm) | **F:** neither route supplied the required frozen body. Current S031 does not cure that historical incorporation gap. |\n| **S_AR-P08-S043** | Attempted 2017 session summary. [https://www.arkleg.state.ar.us/Assembly/2017/2017R/Pages/SessionSummary.aspx](https://www.arkleg.state.ar.us/Assembly/2017/2017R/Pages/SessionSummary.aspx) | F: no usable body obtained. Exact default commencement of Act944 remains held; no guessed date adopted. |\n| **S_AR-P08-S044** | Official judicial access attempts. [https://opinions.arcourts.gov/ark/supremecourt/en/nav_date.do](https://opinions.arcourts.gov/ark/supremecourt/en/nav_date.do) ; [https://www.supremecourt.gov/opinions/11pdf/10-948.pdf](https://www.supremecourt.gov/opinions/11pdf/10-948.pdf) | F: Arkansas route did not provide the needed body; SCOTUS URL returned404. S038 is disclosed reproduction; S039 official govinfo alternative succeeded. |\n\n## F4. Conditional telephonic-seller overlap\n\n| Source ID | Issuer/title/direct HTTPS URL | Actual scope, version, effect, and limits |\n| --- | --- | --- |\n| **S_AR-P08-S045** | Arkansas General Assembly, **Act137 of1993**. [https://arkleg.state.ar.us/Acts/FTPDocument?ddBienniumSession=1993%2FR&file=137.pdf&path=%2FACTS%2F1993%2FPublic%2F](https://arkleg.state.ar.us/Acts/FTPDocument?ddBienniumSession=1993%2FR&file=137.pdf&path=%2FACTS%2F1993%2FPublic%2F&utm_source=chatgpt.com) | P: selected definition, registration/security and emergency provisions. Definition printed2/PDF1 image; §13 printed10/PDF9 and §17 printed11/PDF10 read. Approved/effective under emergency clause February16,1993; later amendments necessary. |\n| **S_AR-P08-S046** | **Act728 of2017**. [https://arkleg.state.ar.us/Home/FTPDocument?path=%2FACTS%2F2017R%2FPublic%2FACT728.pdf](https://arkleg.state.ar.us/Home/FTPDocument?path=%2FACTS%2F2017R%2FPublic%2FACT728.pdf&utm_source=chatgpt.com) | P: §§1–8, material text/images printed1–4/PDF0–3 and6/PDF5. Approved March28,2017; expressly effective **January1,2018**. |\n| **S_AR-P08-S047** | **§4-99-103**. [https://law.justia.com/codes/arkansas/title-4/subtitle-7/chapter-99/subchapter-1/section-4-99-103/](https://law.justia.com/codes/arkansas/title-4/subtitle-7/chapter-99/subchapter-1/section-4-99-103/?utm_source=chatgpt.com) | M,2025: complete definition and exclusions. Intermediate 1995/2003 enactment chain not fully reconstructed. |\n| **S_AR-P08-S048** | **§4-99-104**. [https://law.justia.com/codes/arkansas/title-4/subtitle-7/chapter-99/subchapter-1/section-4-99-104/](https://law.justia.com/codes/arkansas/title-4/subtitle-7/chapter-99/subchapter-1/section-4-99-104/?utm_source=chatgpt.com) | M: complete registration/fees/term/change/location/salesperson provisions; S046 primary support. |\n| **S_AR-P08-S049** | **§4-99-105**. [https://law.justia.com/codes/arkansas/title-4/subtitle-7/chapter-99/subchapter-1/section-4-99-105/](https://law.justia.com/codes/arkansas/title-4/subtitle-7/chapter-99/subchapter-1/section-4-99-105/?utm_source=chatgpt.com) | M: filing fields, names/affiliates/locations/scripts and agent. Later 2019 technical amendment not independently read. |\n| **S_AR-P08-S050** | **§4-99-106**. [https://law.justia.com/codes/arkansas/title-4/subtitle-7/chapter-99/subchapter-1/section-4-99-106/](https://law.justia.com/codes/arkansas/title-4/subtitle-7/chapter-99/subchapter-1/section-4-99-106/?utm_source=chatgpt.com) | M: exemption-record and verification requirements. |\n| **S_AR-P08-S051** | **§4-99-107**. [https://law.justia.com/codes/arkansas/title-4/subtitle-7/chapter-99/subchapter-1/section-4-99-107/](https://law.justia.com/codes/arkansas/title-4/subtitle-7/chapter-99/subchapter-1/section-4-99-107/?utm_source=chatgpt.com) | M: basic bond and promotional-security body; primary support S045–S046. |\n| **S_AR-P08-S052** | SOS, **TS-01**. [https://www.sos.arkansas.gov/uploads/bcs/SoS-TS01_TelephonicSellerAnnualRegistration_rvs05-2025_1.pdf](https://www.sos.arkansas.gov/uploads/bcs/SoS-TS01_TelephonicSellerAnnualRegistration_rvs05-2025_1.pdf?utm_source=chatgpt.com) | G/form: seven pages read; images printed1/PDF0,5/PDF4,7/PDF6. Filename identifies May2025 revision; not independent legal effective date. |\n| **S_AR-P08-S053** | SOS, **TS-03**. [https://www.sos.arkansas.gov/uploads/bcs/SoS-TS03_TelephonicSalesperson_rvs05-2025_1.pdf](https://www.sos.arkansas.gov/uploads/bcs/SoS-TS03_TelephonicSalesperson_rvs05-2025_1.pdf?utm_source=chatgpt.com) | G/form: three pages read; first-page image inspected. May2025 filename; crossed consent reference preserved. |\n| **S_AR-P08-S054** | SOS, **TS-05**. [https://www.sos.arkansas.gov/uploads/bcs/SoS-TS05_Telephonic_Seller_Bond05-2025_1.pdf](https://www.sos.arkansas.gov/uploads/bcs/SoS-TS05_Telephonic_Seller_Bond05-2025_1.pdf?utm_source=chatgpt.com) | G/blank instrument: four pages read; images printed1,2,4/PDF0,1,3. Older agency and threshold wording preserved. Not a §202 bond form. |\n| **S_AR-P08-S055** | SOS, **TS-02**. [https://www.sos.arkansas.gov/uploads/bcs/SoS-TS02_TelephonicSalespersonConsentforServiceForm_rvs05-2025_1.pdf](https://www.sos.arkansas.gov/uploads/bcs/SoS-TS02_TelephonicSalespersonConsentforServiceForm_rvs05-2025_1.pdf?utm_source=chatgpt.com) | G/form: one unnumbered page/PDF0, text/image; salesperson title and inconsistent charitable-organization wording. |\n| **S_AR-P08-S056** | SOS, **TS-04**. [https://www.sos.arkansas.gov/uploads/bcs/SoS-TS04_TelephonicSellerConsentforServiceForm_rvs05-2025_1.pdf](https://www.sos.arkansas.gov/uploads/bcs/SoS-TS04_TelephonicSellerConsentforServiceForm_rvs05-2025_1.pdf?utm_source=chatgpt.com) | G/form: one unnumbered page/PDF0, text/image; seller title and same wording limitation. |\n\n# G. Atomic claim register\n\n**Confidence convention:** “Verified” means the specified text, enactment, or holding was read. It does not certify all later law or actual applicability. “Partial” identifies a currentness or factual dependency. “Held” means unresolved, not nonexistent.\n\n## G1. Classification and exclusions\n\n| Claim ID | Actor/predicate | Step or consequence | Exact authority / limit |\n| --- | --- | --- | --- |\n| **S_AR-P08-C001** | State credit-services analysis | Use enacted 2017 framework, not repealed1987 text. | S001 §1 and repeal §§2–10; S002. Current chain partial. |\n| **C002** | Claimed buyer | Establish received-loan and repayment predicates. | §202(a)(1), S001–S002. Prospective-only application held. |\n| **C003** | Claimed consumer | Individual solicited or purchasing services. | §202(a)(2). Not identical to buyer. |\n| **C004** | Provider sells/represents listed services | Consideration and credit-by-others predicates matter. | §202(a)(3)(A)(i)–(v). |\n| **C005** | Credit transaction classified | Apply primarily personal/family/household definition. | §202(a)(4); actual mixed-purpose facts held. |\n| **C006** | Provider relies on label or no completed work | Represented future service can satisfy service predicate. | §202(a)(3)(A). Actual representations required. |\n| **C007** | Monitoring/education service | Test promised advice/improvement, not label alone. | §202(a)(3); S041 comparison. |\n| **C008** | Credit-obtaining/referral/negotiation | Apply actual listed function and fee restrictions. | §202(a)(3)(A), (e)(2). |\n| **C009** | Remote provider | No complete CSO territorial safe harbor established. | §202(d)(1)(F); S011(d); actual nexus held. |\n| **C010** | Lender claims exclusion | Authorization plus supervision/HUD condition. | §202(a)(3)(B)(i); incorporated approval framework partial. |\n| **C011** | Financial institution/operating subsidiary | Establish listed status, authorization and insurance language. | §202(a)(3)(B)(ii). Affiliate syntax/application held. |\n| **C012** | Nonprofit corporation | Establish qualifying §501(c)(3) condition. | §202(a)(3)(B)(iii); S027. No actual tax-status finding. |\n| **C013** | Real-estate licensee | Activity must be within stated regulatory scope. | §202(a)(3)(B)(iv). |\n| **C014** | Collection licensee | Activity must be subject to Board regulation. | §202(a)(3)(B)(v). No license-to-repair inference. |\n| **C015** | Attorney | Arkansas license, client legal services and ancillary conduct required. | §202(a)(3)(B)(vi). |\n| **C016** | Securities/commodities actor | Establish listed registration/regulation and activity. | §202(a)(3)(B)(vii). Downstream license statutes held. |\n| **C017** | Reporting agency | Apply frozen January1,2017 §1681a(f). | §202(a)(3)(B)(viii); S031/S042. Historical body held. |\n| **C018** | Sales staff/contractor | No generic employee exclusion; specified actors addressed in prohibited acts. | §202(e). Old §106 employee sentence repealed. |\n| **C019** | Exemption claimant | Bears state burden in proceedings under subchapter. | §202(g). Not imported as universal federal burden. |\n\n## G2. Security, payment, and interest\n\n| Claim ID | Actor/predicate | Step or consequence | Exact authority / limit |\n| --- | --- | --- | --- |\n| **C020** | Provider seeks CSO credential | No dedicated §202 registration-grant mechanism established. | S001–S003; bounded source scope. |\n| **C021** | Cost/renewal estimate | CSO-specific government fee/term/location cycle unverified. | Same; unknown not zero, other regimes separate. |\n| **C022** | Provider invokes state advance exception | Obtain bond **and** establish qualifying trust. | §202(e)(1)(A)–(B). |\n| **C023** | Bond obtained | $10,000; surety authorized to do business in Arkansas. | §202(e)(1)(A). Exact accepted instrument held. |\n| **C024** | Trust established | Stated Arkansas institution and federal insurance conditions. | §202(e)(1)(B). |\n| **C025** | Provider handles trust funds | No minimum balance, withdrawal or reconciliation method established from §202. | Operative-section limitation; full trust law held. |\n| **C026** | Security cost calculated | Penal sum is not premium, collateral or customer fee. | §202(e)(1); no pricing quote supplied. |\n| **C027** | Security disclosure drafted | Disclosure “or” does not repeal payment-condition “and.” | §202(c)(1)(F)–(G), (e)(1). |\n| **C028** | Buyer considers security claim | Disclosed right exists; full beneficiary/instrument/process unresolved. | §202(c)(1)(F)–(G); no award assumed. |\n| **C029** | Covered provider charges/receives | Complete agreed performance required absent state exception. | §202(e)(1). Federal law independent. |\n| **C030** | Partial service/installment | Proration or relabeling does not itself establish lawful earning. | §202(e)(1); S019(b). Divisibility held. |\n| **C031** | Service price selected | No general numeric service-price cap established in §202. | Entire §202; not all-law permission. |\n| **C032** | Sole referral fee | Prohibited for specified generally available lender terms. | §202(e)(2). Actual substantive service/terms required. |\n| **C033** | Loan obtained under section | Apply §4-57-104; specified excess provider amounts count as interest. | §202(b); S005–S006. |\n| **C034** | Loan-interest ceiling applied | Amendment89 categories/federal exceptions must be established. | S007 §§2–3,5–6. Not general repair-fee percentage. |\n\n## G3. Disclosure, contract, cancellation, and nonwaiver\n\n| Claim ID | Actor/predicate | Trigger, step, consequence | Exact authority / limit |\n| --- | --- | --- | --- |\n| **C035** | Before contract/payment | State written statement before whichever occurs first. | §202(c)(1). |\n| **C036** | Statement prepared | File/dispute rights, price/services and security information required. | §202(c)(1)(A)–(G). |\n| **C037** | Adverse-credit file disclosure | State thirty-day wording does not curtail federal sixty-day right. | §202(c)(1)(B); S032(b); S020(a). |\n| **C038** | Provider retains acknowledgment | Exact personally signed statement copy for two years. | §202(c)(2). |\n| **C039** | Contract created | Written contract required; no finding unsigned contract valid. | §202(d)(1)(A), signature-related clauses. |\n| **C040** | Covered loan APR disclosed | Bold20-point Arial and1.5-point rectangle. | §202(d)(1)(B); S001 image. |\n| **C041** | Payment terms disclosed | Include total payments to provider or others. | §202(d)(1)(D). |\n| **C042** | Services/guarantees described | Include full service, refund promises and completion estimate. | §202(d)(1)(E). |\n| **C043** | Business identified | Principal address plus Arkansas process agent. | §202(d)(1)(F). Not a jurisdiction determination. |\n| **C044** | Contract cancellation statement | Bold/conspicuous near signature; fifth-day-after-transaction wording. | §202(d)(1)(C). |\n| **C045** | Cancellation form supplied | Completed duplicate, detachable, attached, bold and same language. | §202(d)(2). |\n| **C046** | State copies furnished | New clause says at cancellation; federal copies separately due at signing. | §202(d)(3); S022(c); repealed clause distinguished. |\n| **C047** | Seller receives timely cancellation | Required notice promises payments returned within ten days after receipt. | §202(d)(2). Actual notice/receipt facts absent. |\n| **C048** | Outer deadline calculated | Transaction/signing and calendar/business-day issues require harmonization. | §202(d); S021–S022. No live endpoint. |\n| **C049** | Provider deducts prior work | Required state notice does not authorize automatic work-cost offset from cancellation return. | §202(d)(2). Particular liability held. |\n| **C050** | Later refund/default/defect | Distinguish contractual promise, statutory cancellation and invalidity. | §202(d)–(f); S023. |\n| **C051** | Provider advises or markets | State false/misleading credit statements and deceptive-sale prohibitions apply. | §202(e)(3)–(4). |\n| **C052** | False-identity advice | Federal prohibition addresses concealment of accurate current credit information. | S019(a)(1)–(4). Actual predicates required. |\n| **C053** | Buyer waiver sought | State waiver void; attempt violates subchapter. | §202(f). |\n| **C054** | Covered CROA contract noncompliant | Federal nonwaiver and noncompliant-contract unenforceability rules apply. | S023(a)–(c). |\n| **C055** | Entire state contract/severability disputed | No universal state whole-contract or severability outcome established. | §202(f),(h); full contract law deferred. |\n\n## G4. Remedies and federal overlap\n\n| Claim ID | Actor/predicate | Trigger, step, consequence | Exact authority / limit |\n| --- | --- | --- | --- |\n| **C056** | §202 violation alleged | ADTPA designation and remedy cross-reference. | §202(h); S010–S013. |\n| **C057** | Private state claimant | Prove reliance, actual financial loss and proximate cause; fees discretionary. | S011(f); S009; S012§3. |\n| **C058** | State private class asserted | Statutory class limitation and Amendment89 exception exist. | S011(f)(1)(B). Full procedural/preemption analysis deferred. |\n| **C059** | AG enforcement | Prevention, restoration and up-to-$10,000 state penalty under stated conditions. | S011(a)–(e). Not consumer automatic award. |\n| **C060** | Controller/assistant | Knowledge/reasonable-knowledge and statutory nexus predicates matter. | S011(d); S013§3. |\n| **C061** | Old state damages rule cited | Former §4-91-105 repealed; not current state floor. | S001§6, printed9/PDF8. |\n| **C062** | ADTPA exemption asserted | Specific statutory applicability conditions required. | S008; S012§1; S038. |\n| **C063** | Federal CROA classification | Interstate/mail, consideration and express/implied improvement/advice purpose. | S018(3)(A). |\n| **C064** | Federal nonprofit exclusion | Actual nonprofit and §501(c)(3) conditions; comparison case not Arkansas binding. | S018(3)(B)(i),S027,S040. |\n| **C065** | Creditor restructuring own debt | Exclusion limited to defined creditor and debt owed to it. | S018(3)(B)(ii); S030(g). |\n| **C066** | Financial institution/affiliate | Apply federal statutory definitions, not state-label equivalence. | S018(3)(B)(iii); S028–S029. Full affiliate facts held. |\n| **C067** | State exclusion asserted federally | State attorney/provider exclusion does not establish CROA exclusion. | S002(a)(3)(B) versus S018. |\n| **C068** | CROA provider charges/receives | Agreed service must be fully performed; no state security exception. | S019(b). |\n| **C069** | CROA precontract disclosure | Separate statutory statement and signed acknowledgment; retain two years. | S020(a)–(c). |\n| **C070** | CROA services begin | Written dated consumer-signed contract and initial no-service period. | S021(a)–(b). |\n| **C071** | Consumer cancels federally | Apply operative third-business-day rule and required form. | S022(a)–(b); no calendar shortcut. |\n| **C072** | CROA documents signed | Provide completed contract, disclosure and required signed documents at signing. | S022(c). |\n| **C073** | Federal liability established | Greater-of measure, possible punitive amount, successful-action costs/fees. | S024(a)–(b). No automatic payment. |\n| **C074** | Public CROA enforcement | FTC and state authority subject to statutory notice/concurrency provisions. | S025(a)–(c). |\n| **C075** | State/federal overlap | Preserve state law except actual inconsistency to its extent. | S026. No wholesale preemption. |\n| **C076** | TSR application | Establish actual telemarketing, seller and jurisdictional facts. | S034; S036; limited S037 guidance. |\n| **C077** | Covered credit-repair payment request | Both timeframe expiry and provision of qualifying results report precede request/receipt. | S035(a)(2)(i)–(ii). |\n| **C078** | Report age calculated | Issuance must be more than six months after results; no required order between two prerequisites. | S035(a)(2). No180-day substitution. |\n| **C079** | Early report later used | Waiting does not change report’s issuance date. | Same text; direct temporal inference. |\n| **C080** | Guaranteed/high-likelihood loan service | Separate TSR advance-loan provision may apply. | S035(a)(4). |\n| **C081** | Attorney/debt-relief exception asserted | Recovery-service attorney clause and debt-relief account clause are not credit-repair exceptions. | S035(a)(2)–(5). |\n| **C082** | Inbound/face-to-face exemption | Apply exact §310.6 branch; advertising carveouts matter. | S036(b)(3)–(7). |\n| **C083** | FTC guide relied upon | Guidance supports interpretation, not replacement of current rule/jurisdiction analysis. | S037. |\n\n## G5. Construction, currentness, and conditional registration\n\n| Claim ID | Predicate | Consequence | Evidence / limit |\n| --- | --- | --- | --- |\n| **C084** | Arbitration challenged solely under CROA | *CompuCredit* rejects categorical anti-arbitration construction. | S039; actual agreement enforceability deferred. |\n| **C085** | Nonprofit proof compared | *Zimmerman* is First Circuit, dismissal-stage comparison. | S040; burden issue not decided. |\n| **C086** | Monitoring service compared | *Stout* depends on actual improvement representations. | S041; not every monitor covered. |\n| **C087** | Regulated-business exemption | *Air Evac* adopted specific-conduct analysis. | S038; not CSO merits judgment. |\n| **C088** | Arkansas/Eighth construction sought | No responsive complete construction found in bounded search. | Not absence-of-authority or citator clearance. |\n| **C089** | State effective/current law asserted | Approval not commencement; exact Act944 date and full later chain held. | S001,S007,S043. |\n| **C090** | Federal currency asserted | OLRC through Oct15; eCFR through Oct23; not unqualified Oct27 certificate. | S018–S036. |\n| **C091** | CSO security form sought | No authenticated credit-repair-specific bond/trust blank found. | S014–S017; telephonic forms separate. |\n| **C092** | Actual application | No private status, contract, tax, loan or claim facts verified. | Research scope. |\n| **C093** | Ledger analyzed | Receipt, earned application, return, security and creditor payment differ. | Conditional arithmetic; no legal entitlement inferred. |\n| **C094** | Subsequent treatment assessed | Four responsive opinion bodies read; full current citator incomplete. | S038–S041. |\n| **C095** | Telephone seller classification | Specific Chapter99 representations and exclusions required. | S047(8); S045§2. |\n| **C096** | Sales method/service changes | Separate labels, channels or line items do not prove exemption/divisibility. | S002,S018,S047; actual integration held. |\n| **C097** | Chapter99 territorial trigger | Solicitation from Arkansas or to Arkansas purchasers addressed. | S048(a)(2); S046§2. |\n| **C098** | Covered seller registers | Ten-day advance filing; $100; one-year term and $100 renewal. | S048(a)–(b); S046§2. |\n| **C099** | Covered salesperson starts | Seventy-two-hour registration; $10; one-year renewals. | S048(f); S053. |\n| **C100** | Registration information changes | Ten-day material update; separate quarterly salesperson updates. | S048(d). |\n| **C101** | Names/locations/owners disclosed | Apply statutory filing and location-confirmation requirements. | S048(c),(e); S049. No per-branch fee invented. |\n| **C102** | Chapter99 exclusion claimed | Keep substantiating records and required verification. | S050; S046§4. |\n| **C103** | Covered telephonic seller secured | $50,000 state-benefit bond and filing, separate from §202 security. | S051(a); S046§5. |\n| **C104** | Qualifying premium promotion | Additional security/notice rules apply at statutory threshold. | S051(b); form discrepancy held. |\n| **C105** | Nonresident service consent | Applicable statutory consent process differs from form errors. | S046§6; S055–S056. Full litigation deferred. |\n| **C106** | Public forms examined | Actual linked TS01–05 bodies read; no submission or acceptance. | S052–S056. |\n| **C107** | Form conflicts encountered | Preserve crossed references, stale agency wording, threshold and submission discrepancies. | S048–S056. No guessed corrected instrument. |\n| **C108** | Security substituted | No $50,000 telephonic bond substitution for §202 bond-and-trust established. | S002(e)(1); S051. |\n| **C109** | Act728 commencement | Expressly January1,2018, not approval date. | S046§8, printed6/PDF5. |\n| **C110** | Registration status inferred | Posted forms, payment or submission do not establish actual registration/permission. | S048,S052–S056; no named status inquiry. |\n| **C111** | Electronic contracting/cancellation | State electronic-signature/delivery harmonization not completed. | Express writing/mail text; ESIGN/UETA application held. |\n| **C112** | General authorization inferred | State exclusion/security/registration does not decide federal coverage or all-law permission. | C020–C030,C063–C083,C095–C110. |\n\n# H. Granular coverage and exact remaining work\n\n## H1. Core requested issues — 32 rows\n\n| Row | Issue | Status / claim references | Exact missing evidence or next action |\n| --- | --- | --- | --- |\n| K01 | Buyer/consumer definitions | Text read; C002–C003 | Controlling construction of prospective/no-existing-loan customer. |\n| K02 | Consideration and representations | Text read; C004–C006 | Actual compensation, marketing and service facts. |\n| K03 | Repair/monitoring/education | Partial; C007,C086 | Arkansas/Eighth controlling application; actual promises. |\n| K04 | Loan obtaining/referral/negotiation | Partial; C008,C032 | Actual functions, terms and independent other-law permissions. |\n| K05 | Consumer/business purpose | Text read/application held; C005 | Actual transaction purpose and mixed-use facts. |\n| K06 | Remote state nexus | Held in part; C009,C097 | CSO-specific extraterritorial and choice-of-law authority. |\n| K07 | Lender/institution exclusions | Partial; C010–C011 | Authorization, insurance, HUD and affiliate-chain predicates. |\n| K08 | Nonprofit | Text/comparison read; C012,C064,C085 | Actual status/operation; controlling local construction. |\n| K09 | Licensed professional/provider exclusions | Text read; C013–C016 | Current license and actual regulated/ancillary activity. |\n| K10 | CRA historical incorporation | Partial; C017 | Exact January1,2017 §1681a(f) body and application. |\n| K11 | Employees/agents/burden | Text read; C018–C019 | Actual role, control and exemption proof. |\n| K12 | Dedicated CSO registration | No mechanism established; C020–C021 | Current official Code/rules and any specific administrative instrument. |\n| K13 | Conditional telephonic registration | Enactment/forms read; C095–C102 | Actual qualifying representations/exclusions and complete later chain. |\n| K14 | CSO bond and trust | Core conditions read; C022–C024 | Accepted instruments, custodial structure and actual execution. |\n| K15 | Security operation/cancellation/claim | Held in part; C025–C028 | Withdrawal, continuity, cancellation, beneficiary and claim authority. |\n| K16 | Telephonic bond distinction | Text/forms read; C103–C108 | Form/statute reconciliation and actual applicability. |\n| K17 | State fee timing/partial delivery | Text read; C029–C030 | Service integration, complete performance and legal divisibility. |\n| K18 | Price cap/referral/interest | Partial; C031–C034 | Loan classification, federal preemption and actual fee characterization. |\n| K19 | Precontract/prepayment statement | Text read; C035–C038 | Actual delivery, signed acknowledgment and retention. |\n| K20 | Contract content/format | Text read; C039–C043 | Actual contract, loan APR applicability and required terms. |\n| K21 | Cancellation documents/language | Text read; C044–C045 | Actual completed notices and transaction/signing facts. |\n| K22 | Copy timing discrepancy | Identified; C046,C072 | Controlling state construction; cumulative-compliance application. |\n| K23 | Cancellation clock/method | Partial; C047–C048,C071 | General counting, holiday, dispatch/receipt and electronic rules. |\n| K24 | Refund scope/ordinary cancellation | Text read; C049–C050 | Actual payment, timely notice, receipt and contract boundaries. |\n| K25 | False statements/new identity | Text read; C051–C052 | Actual representation, knowledge and prohibited purpose. |\n| K26 | Waiver/voidness/severability | Partial; C053–C055,C084 | Actual contract defect and governing severability/arbitration law. |\n| K27 | State private/public remedies | Selected chain read; C056–C062 | Actual elements, losses, applicability and complete remedy defenses. |\n| K28 | CROA classification/exclusions | Material text read; C063–C067 | Actual interstate, purpose, status and affiliation facts. |\n| K29 | CROA contracts/cancel/payment | Text read; C068–C075 | Actual service completion, contract, notice and timing. |\n| K30 | TSR timing/exemptions | Current body read; C076–C083 | Actual channel/jurisdiction and qualifying report/timeframe events. |\n| K31 | Published construction | Four bodies read; C084–C088,C094 | Responsive Arkansas/Eighth decisions and complete citator. |\n| K32 | Ledgers/security/creditor distinction | Models reconcile; C093,C108 | Actual records and legal entitlement; no facts verified. |\n\n## H2. Currentness and failed-source coverage — 9 rows\n\n| Row | Source issue | Status | Exact next evidence |\n| --- | --- | --- | --- |\n| Q01 | Act944 and current §202 | Official enactment plus 2025 mirror | Readable current official section and complete later amendment chain. |\n| Q02 | Act944 commencement | Approval verified; exact date held | Official general effective-date/session record and any transition construction. |\n| Q03 | State rules | Index and bounded indexed searches | Responsive final rule/adoption instrument, if any; negative search not absence. |\n| Q04 | Security forms | No CSO-specific instrument authenticated | Current accepted §202 bond/trust instructions and legal authority. |\n| Q05 | Telephonic overlay | Selected original/amending acts and forms | Intermediate/later definition/filing amendments and form-error resolution. |\n| Q06 | ADTPA remedies | Selected 2017/2021 enactments and mirror | Complete current chain and applicable exemptions/defenses. |\n| Q07 | Frozen CRA definition | Official historical routes failed | Authoritative January1,2017 incorporated text. |\n| Q08 | Federal currency | OLRC/eCFR cutoffs disclosed | Any material later change; full applicable agency/jurisdiction chain. |\n| Q09 | Judicial treatment | Material majorities/separates read | Complete current citator and responsive state construction. |\n\n## H3. Worked-model coverage — 4 rows\n\n| Row | Model | Completed analysis | Remaining predicates |\n| --- | --- | --- | --- |\n| M01 | State-only versus federal | Security, receipt, unapplied balance and return distinguished. | Actual scope, exemption, service, channel and security. |\n| M02 | Partial/full service and TSR | Proration inference rejected; both permissible event orders shown without180-day conversion. | Actual promised performance, qualifying report and timing. |\n| M03 | Cancellation and return | Nonboundary notice/receipt/return ledger reconciled. | Actual right, notice method, receipt and outer deadline law. |\n| M04 | Mixed service/security/principal | Alternative legal-integration assumptions and separate ledgers visible. | Valid divisibility, earning, refund and actual payment facts. |\n\n## H4. Territorial, local, and actual-record holds — 6 rows\n\n| Row | Area | Exact remaining investigation |\n| --- | --- | --- |\n| T01 | Arkansas counties/municipalities | Any genuinely applicable adopted local business or procedural requirement; no county practice validated. |\n| T02 | Remote/interstate services | Actual contacts, choice of law, territorial reach and enforcement jurisdiction. |\n| T03 | Tribal nexus | Particular sovereign’s law, jurisdiction, immunity and federal interaction. |\n| T04 | Institution/professional status | Actual charter, tax status, license, regulatory activity and affiliation; no individual query performed. |\n| T05 | Actual consumer/contract | Loan status, service promises, purpose, price, signatures, delivery and cancellation evidence. |\n| T06 | Actual security/accounts | Executed bond/trust, custodian, insurance, premium, collateral, receipts, returns and claims. |\n\n## H5. Deferred families — 9 rows\n\n| Row | Family | Remaining scope |\n| --- | --- | --- |\n| D01 | Debt adjusting/settlement | Separate permission, fee, custody and service rules. |\n| D02 | Collection credentials/conduct | No PASS-06/PASS-07 findings adopted. |\n| D03 | Litigation/service/default/vacatur | Full court procedure and remedies. |\n| D04 | Limitations/judgment enforcement | Original and judgment clocks, revival and collection remedies. |\n| D05 | Wage/bank/property/homestead | Separate enforcement and exemption regimes. |\n| D06 | Foreclosure/repossession/sector law | Secured and specialized debt rules. |\n| D07 | Full surety/trust litigation | Coverage, defenses, priority, withdrawal, tracing and recovery. |\n| D08 | Full arbitration/class/preemption/remedies | Only indispensable *CompuCredit* and statutory boundaries addressed. |\n| D09 | State/parent acceptance | Complete Arkansas, parent, A066, A097 and A098 review remains open. |\n\n## H6. Preserved scope crosswalk — 2 rows\n\n| Reviewed foundation | This pass’s contribution | What remains unchanged |\n| --- | --- | --- |\n| **P01 row: “Credit-repair overlap.” Status: “Partial, boundary only.” Remaining: “Full credit-repair contract, enforcement, exemptions, federal CROA interaction.”** | Investigates the state definition/exclusions, conditional security, disclosure/contract/cancellation/return provisions, limited remedies, and necessary federal integration. | No rewritten raw P01 history or full-state acceptance. Source, interpretation and actual-application holds remain. |\n| **Reviewed P02 targeted correction**: state bond **and** insured trust is not federal advance permission; CROA fully-performed condition and separate TSR timing; currentness and actual-entity holds. | Preserves that bounded distinction, freshly reads the material bodies, and expands only the previously remaining state component. | P02 was not treated as a completed CSO dossier. P04–P07 remain unreviewed and were not legal premises. |\n\n# I. Researcher self-check\n\n**Freshly read:** the official 2017 credit-repair enactment and material repeals; selected interest, ADTPA, and telephonic-seller enactments; the relevant 2025 Code reproductions; current displayed CROA and TSR provisions and necessary definitions; four published judicial bodies; and actual public telephonic-seller forms.\n\n**Not established:** a complete October 2026 official Arkansas Code chain, exact Act944 commencement, a credit-repair-specific accepted bond/trust instrument, complete state counting/electronic-contract harmonization, every incorporated historical definition, complete current citator treatment, or any actual actor/consumer/contract/account facts.\n\nThe remaining material holds are not merely administrative details: the state’s buyer definition, copy-at-cancellation wording, state/federal notice integration, trust-operation and claim mechanics, mixed-service divisibility, and actual exemption predicates can change the result.\n\n**Register counts:** 56 source/access records; 112 numbered claims; 4 judicial-authority entries; 4 worked examples plus 12 additional fictional postures; 14 workflow rows; 32 core-coverage rows; 9 currentness/failure rows; 4 model rows; 6 territorial/actual-record rows; 9 deferred-family rows; and 2 scope-crosswalk rows. These categories are not summed as independently accepted legal propositions.\n\nNo independent review, unseen model setting, local write, actual permission, compliant-form adoption, filing, publication readiness, or full-state/parent acceptance is claimed.\n\nEND S_AR PASS-08.\n\n","tables":[{"headers":["Definition or service","State-law significance","Conditions and application limits"],"index":0,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Definition or service","State-law significance","Conditions and application limits"],["Buyer","The text describes a person or entity that has received credit in a loan transaction and is obligated to repay the loan amount.","This is not identical to “any prospective customer.” Its interaction with services offered before a new loan, or services sold to someone with no existing loan, requires construction not located here. C002."],["Consumer","An individual solicited to purchase, or purchasing, services of a credit services organization.","The statute uses both buyer and consumer; they should not be collapsed without analysis. C003."],["Covered organization","A person or entity offering, performing, or representing that it will perform the listed services for money or other valuable consideration, concerning credit extended by others.","Representations can establish the service predicate even before results are delivered. C004, C006."],["Extension of credit","Credit offered or granted primarily for personal, family, or household purposes.","A business-purpose label, individual owner, or mixed-use transaction does not settle the predominant-purpose question. C005."],["Credit improvement","Improving a buyer’s credit record, history, or rating is expressly listed.","A guarantee is not necessary to make the activity relevant. C004."],["Credit-obtaining assistance","Obtaining credit, locating an independent unaffiliated third-party lender, and obtaining an installment loan from an independent lender are listed.","State coverage can extend beyond CROA’s credit-improvement definition. C008."],["Advice or education","Advice or assistance concerning the specified credit-improvement, credit-obtaining, or lender-location activities is listed.","General budgeting education is not automatically the same service; the actual promises and consideration matter. C007–C008."],["Monitoring or report access","Monitoring alone is not separately named.","Monitoring bundled or marketed with credit-improvement advice may fall within applicable definitions. No universal monitoring exemption was established. C007."],["Negotiation","Its legal significance depends on what is promised and performed.","Negotiation represented as credit improvement or credit-obtaining assistance may implicate this statute; debtor-side adjusting remains a separate inquiry. C008."],["Referral","Lender-location services can be covered, but a particular solely-for-referral charge is prohibited.","Coverage and fee legality are separate questions. C008, C032."],["Mixed services","Separate descriptions or prices do not automatically establish legally independent services.","Integration, representations, contract terms, and actual performance remain necessary. C030, C055, C096."],["Remote provider","The statute requires an Arkansas service-of-process agent in the covered contract, but that is not a complete territorial test.","No universal remote-provider safe harbor or jurisdictional rule was established. The separate telephonic-seller nexus is more explicit. C009, C097."]]},{"headers":["§ 4-91-202(a)(3)(B) category","Required statutory conditions","What is not enough"],"index":1,"links":[],"row_links":[[],[],[],[],[],[],[],[],[]],"rows":[["§ 4-91-202(a)(3)(B) category","Required statutory conditions","What is not enough"],["Authorized lender","Authorized to make loans under state or federal law, plus the specified regulatory-supervision or HUD-approved mortgage-insurance-lender condition.","Merely arranging loans, using a lender’s name, or having an ordinary business registration. C010."],["Listed financial institutions","The enumerated bank, trust, savings, building-and-loan, savings-and-loan, or credit-union status; authorization under financial-institution law; and the stated insurance language.","A generic “financial company” or affiliate label. The clause ending with “or their operating subsidiaries” requires careful application; no unlimited affiliate exemption is inferred. C011."],["Nonprofit corporation","A nonprofit corporation qualifying under Internal Revenue Code § 501(c)(3).","A nonprofit label, state nonprofit formation alone, or claimed benevolent purpose. C012."],["Real-estate agent or broker","Licensed and performing activities subject to Arkansas Real Estate Commission regulation.","License ownership while selling unrelated credit-repair services. C013."],["Collection agency","Licensed and performing activities subject to State Board of Collection Agencies regulation.","A collection license as a general authorization for any credit-repair product. C014."],["Attorney","Arkansas-licensed; rendering legal services to a client; the otherwise covered conduct is ancillary to those legal services.","An attorney affiliation, referral, ownership connection, or nominal supervision. C015."],["Specified securities or commodities actor","The listed broker-dealer, futures commission merchant, trading adviser, or agent status, with the stated registration and regulation.","A financial-adviser title without the statutory status and activity. C016."],["Consumer reporting agency","The incorporated definition in 15 U.S.C. § 1681a(f), as it existed January 1, 2017.","Selling a report or calling a service “monitoring.” The exact frozen historical text was not retrieved from the attempted official 2016 sources. C017."]]},{"headers":["Question","Finding from the operative section and bounded search","Remaining limitation"],"index":2,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Question","Finding from the operative section and bounded search","Remaining limitation"],["Dedicated CSO registration issuer","No dedicated registration-grant procedure was established in § 202.","This is not a declaration that no other registration or license can apply. C020."],["Initial/renewal/branch/DBA charge","No CSO-specific government amount, annual term, renewal, branch fee, or ownership-change filing was verified from this section.","Unknown is not zero. General entity, professional, lending, and conditional telephonic requirements are separate. C021."],["State advance-charge condition","A $10,000 surety bond and an insured in-state trust account are required to invoke the stated exception to the state complete-performance prohibition.","Neither condition overrides CROA or the TSR. C022, C029."],["Obligor and surety","The organization obtains the bond; the surety must have the right to do business in Arkansas.","No current credit-repair-specific approved blank instrument was authenticated. C023."],["Trust custodian/location","State or national bank or savings-and-loan association in Arkansas; deposited funds federally insured.","No permission to substitute an out-of-state account or unrelated debt-relief account was established. C024."],["Trust amount and operation","The section does not specify a minimum balance, deposit percentage, withdrawal schedule, reconciliation method, or fee-release procedure.","Do not fill these gaps with another state’s rules. C025."],["Bond amount versus cost","$10,000 is the bond’s required amount, not a verified premium or a consumer fee.","Collateral, premium, customer funds, and recovery are separate. C026."],["Disclosure wording","The statement describes a right to proceed against a bond or trust and identifies the surety or trust details.","This disclosure wording does not convert subsection (e)’s cumulative and into an alternative. C027."],["Claim/beneficiary process","The statute requires disclosure of the buyer’s right to proceed against the security.","Exact filing recipient, approved payee language, claim priority, aggregate treatment, cancellation notice, and defenses remain held. C028."],["Performance and installments","Without an applicable state exception, charging or receiving money before complete agreed performance is prohibited.","Calling a charge an installment, setup fee, subscription, or “earned milestone” does not establish an exception. C029–C030."],["Numeric service-fee cap","No general dollar or percentage price cap was verified in § 202.","That is not unrestricted pricing or an all-law conclusion. C031."],["Referral-only fee","The specified charge solely for referral to generally available credit terms is prohibited.","Substantive services and actual terms must be established; relabeling a referral is insufficient. C032."]]},{"headers":["Requirement","Verified statutory amount or step","Qualification"],"index":3,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[]],"rows":[["Requirement","Verified statutory amount or step","Qualification"],["Issuer and nexus","Secretary of State; solicitation from Arkansas or to purchasers in Arkansas is addressed.","This is Chapter 99’s rule, not a complete § 202 jurisdiction test."],["Initial seller registration","At least ten days before doing covered business; $100 filing fee.","No actual filing date computed."],["Seller term/renewal","One year from effective registration; $100 renewal fee.","Registration is not general approval of credit-repair charges."],["Salesperson","Register within seventy-two hours after accepting covered employment; $10, one-year term.","Principal-agent and salesperson predicates apply."],["Material changes","Addendum within ten days; salesperson changes have the statutory quarterly update rule.","No assumption that a generic ownership percentage transfers a registration."],["Names, locations, ownership","Filing information includes legal/DBA names, relevant affiliates, locations, numbers, principals, scripts, and materials.","The statute and public form are not identical in every field."],["Basic bond","$50,000, authorized surety, in favor of Arkansas; copy filed with Secretary of State.","Separate from the $10,000 § 202 bond. No substitution established."],["Promotional security","Additional requirements where a promotion reaches the statutory $500 threshold.","The statute says $500 or more; the public form uses different “more than” wording."],["Exemption records","Claimant must retain information substantiating the claimed Chapter 99 exemption.","An exemption label is not a determination."]]},{"headers":["Form","Actual contents read","Material qualification"],"index":4,"links":[],"row_links":[[],[],[],[],[]],"rows":[["Form","Actual contents read","Material qualification"],["TS-01 — Telephonic Seller Annual Registration","$100; formation materials; $50,000 bond; names/DBAs, locations, affiliates, principals, scripts, and verification.","Seven-page file refers to a declaration on “p. 8”; it refers to TS-02 for seller consent, while the actual TS-02 is the salesperson form."],["TS-03 — Telephonic Salesperson Annual Registration","$10; seventy-two-hour submission statement; names used, address, verification.","It refers to TS-04, whose actual title is seller consent."],["TS-05 — Bond for Telephonic Seller","Principal/surety, $50,000 penal sum, aggregate cap, continuity for pre-cancellation liabilities, signatures and surety authority.","Retains an older Consumer Protection Division reference and promotional-threshold wording inconsistent with the statute."],["TS-02 / TS-04 — Consent forms","Salesperson and seller titles, respectively; service consent, signature, and notarization fields.","Both contain a “charitable organization” reference inconsistent with their titles. No actual instrument was completed or accepted."]]},{"headers":["Stage or term","Required state content or act","Important distinction"],"index":5,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Stage or term","Required state content or act","Important distinction"],["Before contracting or payment","Give the written statement before the earlier of execution or receipt of consideration.","A later contract attachment does not automatically satisfy the prepayment trigger. C035."],["Credit-file rights","Explain file review, dispute rights, approximate file-access price, and the stated adverse-credit free-file information.","The state’s thirty-day description cannot be used to reduce the current federal sixty-day right. C036–C037."],["Services and price","Complete, detailed service description and total amount paid or becoming payable.","Price disclosure is not fee authorization. C036."],["Security information","Buyer’s right to proceed against security; surety details or specified depository/trustee/account details.","Does not establish the unseen security’s validity. C027–C028."],["Acknowledgment and retention","Exact statement copy personally signed by buyer acknowledging receipt; retain two years.","Distinct from contract-copy and cancellation-copy duties. C038."],["Written contract","Contract or agreement must be written.","The new text does not simply reproduce every old 1987 signing sentence; this does not establish that an unsigned agreement is valid. C039."],["Loan APR","Prominent disclosure in bold 20-point Arial, within a 1.5-point rectangle, for the stated loan transaction.","Do not invent a rate or mechanically insert an APR into a transaction whose loan character is unresolved. C040."],["Payment terms","Total payments to the organization or others.","A third-party payment label does not automatically remove it from disclosure. C041."],["Performance","Detailed services, guarantees, refund promises, and estimated completion date or duration.","Promising a refund and owing a statutory cancellation return are different. C042."],["Business identity","Principal business address and Arkansas service-of-process agent’s name/address.","This does not itself establish remote-provider jurisdiction or authorization. C043."],["Cancellation statement","Bold, conspicuous, immediately near buyer signature space; fifth-day-after-transaction formulation.","Do not silently replace its trigger with the separate notice’s signing trigger. C044."],["Cancellation form","Completed, duplicate, attached, easily detachable, bold, same language as contract.","This is a prescribed requirement, not an approved replacement contract created here. C045."],["Contract copies","New § 202(d)(3) says copies of completed contract and other required signed documents at cancellation.","CROA separately requires copies at signing when applicable. C046."]]},{"headers":["Rule","Trigger and period actually stated","What remains unresolved"],"index":6,"links":[],"row_links":[[],[],[],[],[],[],[],[],[]],"rows":[["Rule","Trigger and period actually stated","What remains unresolved"],["State contract statement","Before midnight of the fifth day after the transaction.","Meaning of transaction where signing, payment, and service dates differ."],["State detachable notice","Within five days from signing; mail or deliver signed dated notice or other writing to seller’s business address.","Exact dispatch/receipt edge cases and generally applicable holiday/counting law were not fully harmonized."],["State return language","Any payment under the contract returned within ten days after seller receives cancellation notice.","No automatic deduction for work already performed is stated in that required notice."],["Federal CROA cancellation","Before midnight of the third business day beginning after execution or the stated enforceability event.","Do not assume three business days is always shorter than five calendar days."],["Federal form wording","The prescribed cancellation form uses “3rd day,” while the operative provision uses business days.","Preserve the statutory wording difference; do not silently rewrite it into a new compliance form."],["Federal service commencement","§ 1679d(a)(2) separately bars services before the end of its three-business-day period beginning on signing.","This is not the same textual trigger as every cancellation sentence."],["Later contractual refund","Governed by the actual promise and other applicable law.","Not every cancellation outside the initial period produces the same statutory return."],["Defective contract","CROA noncompliance can make the covered services contract void and unenforceable.","That is different from exercising ordinary cancellation; state whole-contract consequences require separate authority."]]},{"headers":["Row","Actor/event","Required decision or step","Clock/effect and hold"],"index":7,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Row","Actor/event","Required decision or step","Clock/effect and hold"],["W01","Provider designs service","Test state definitions, actual representations, consideration and exclusions.","C002–C019; no label-based permission."],["W02","Provider chooses sales channel","Independently test Chapter 99 and TSR coverage.","C076, C082, C095–C105."],["W03","Provider claims exemption","Establish each status/activity predicate and state burden.","C010–C019; no individual status search."],["W04","Before first contract/payment","Give state statement; if CROA applies, give its separate precontract statement.","C035–C038, C069."],["W05","Contract executed","Supply required terms, formatting, cancellation documents, and federally required copies.","C039–C046, C070–C072."],["W06","Services scheduled","Apply CROA’s initial no-service period where covered.","C070; actual business-day calendar held."],["W07","Provider requests/receives money","Test state complete performance/security, CROA, and applicable TSR independently.","C022–C030, C068, C077–C081."],["W08","Partial work completed","Determine actual promised service and lawful divisibility.","C030, C055; no automatic proportional earning."],["W09","Buyer cancels","Use required notice route and establish timely event.","C044–C048, C071."],["W10","Seller receives cancellation","Apply state return language to payments under the contract.","C047–C050; receipt evidence necessary."],["W11","Refund promise invoked later","Determine contractual trigger and amount separately.","C042, C050; no universal statutory percentage."],["W12","Security claim considered","Establish actual bond/trust, claimant right, process and coverage.","C023–C028; no recovery presumed."],["W13","Noncompliance alleged","Distinguish cancellation return, state private/public remedy, and CROA liability.","C053–C062, C073–C075."],["W14","Mixed service or channel changes","Reassess integration, disclosure, registration and federal predicates.","C007–C009, C096–C112."]]},{"headers":["Regime","Coverage and timing rule","Difference that matters"],"index":8,"links":[],"row_links":[[],[],[],[],[],[]],"rows":[["Regime","Coverage and timing rule","Difference that matters"],["Arkansas § 202(e)(1)","Covered state organization generally may not charge or receive before complete agreed performance, absent its bond and trust condition.","A state exception to one prohibition—not general permission."],["CROA § 1679b(b)","Covered organization may not charge or receive for an agreed service before that service is fully performed.","No state-bond or state-trust exception."],["TSR § 310.4(a)(2)","For covered credit-repair telemarketing, represented timeframe expired and required results report provided; report issued more than six months after results.","Requesting payment is also covered. Both prerequisites precede the request/receipt, with no required relative order between them."],["TSR § 310.4(a)(4)","Covered guaranteed/high-likelihood loan-obtainment offer cannot demand advance consideration before obtaining the credit.","Potentially relevant to state credit-obtaining services even without a credit-score promise."],["TSR § 310.4(a)(5)","Separate debt-relief performance/payment/allocation framework.","Its dedicated-account language does not create an exception to credit-repair paragraph (a)(2)."]]},{"headers":["Pathway","Supported consequence","What is not established"],"index":9,"links":[],"row_links":[[],[],[],[],[],[],[],[],[]],"rows":[["Pathway","Supported consequence","What is not established"],["State § 202(h)","A violation is designated deceptive/unconscionable and directed to ADTPA remedies.","Automatic consumer recovery without applicable elements."],["Private ADTPA action","Actual financial loss proximately caused by reliance; individual proof; court may award reasonable attorney fees.","Reuse of the repealed credit-services “all paid” state floor."],["ADTPA public action","Attorney General may seek prevention, restoration and statutory penalties; § 113(a)(3) permits up to $10,000 per violation payable to the state.","A consumer’s automatic $10,000 refund or award."],["Controller/assistance liability","Knowledge or reasonable-knowledge predicates under § 113(d) matter.","Universal liability or jurisdiction merely from affiliation or a website."],["CROA private liability","Once liability is established, § 1679g uses the greater of actual damage or amount paid, with separately authorized punitive damages and successful-action costs/fees.","Automatic judgment, duplicative recovery, or a fixed punitive amount."],["CROA public enforcement","FTC authority and state actions under § 1679h, including notice/intervention and concurrent-action limits.","A filed complaint, investigation, or result in this pass."],["Bond/trust claim","Required state disclosure recognizes a right to proceed against security.","Automatic payment of the penal sum, per-consumer coverage, or proven claim priority."],["Ordinary cancellation","State notice promises return of payments under the contract within its receipt-based period.","Resolution of every defect, penalty, or independent damage claim."]]},{"headers":["Authority","Court/date, posture, and material holding","Limits and separate writings"],"index":10,"links":[],"row_links":[[],[],[],[],[]],"rows":[["Authority","Court/date, posture, and material holding","Limits and separate writings"],["Air Evac EMS, Inc. v. USAble Mutual Insurance Co., 2017 Ark. 368 — S038","Arkansas Supreme Court, December 14, 2017; certified questions. The majority adopted the specific-conduct interpretation of the ADTPA regulated-activity provision and addressed Act 986’s wording.","Insurance/ADTPA posture, not § 202 contract or bond adjudication. Baker dissented; Kemp did not participate. Official opinion route failed; primary-opinion reproduction used."],["CompuCredit Corp. v. Greenwood, 565 U.S. 95 — S039","U.S. Supreme Court, January 10, 2012. CROA’s right-to-sue disclosure and nonwaiver language did not categorically bar enforcement of the arbitration agreement under the FAA.","Coverage was not decided as a credit-repair-classification holding. Sotomayor, joined by Kagan, concurred in the judgment; Ginsburg dissented. Full arbitration enforceability remains deferred."],["Zimmerman v. Cambridge Credit Counseling Corp., 409 F.3d 473 — S040","First Circuit, May 31, 2005; dismissal-stage appeal. Federal nonprofit exclusion required both actual nonprofit operation and § 501(c)(3) tax-exempt status; allegations warranted further proceedings.","Disclosed comparison, not controlling Arkansas/Eighth Circuit authority. No final finding that the entity was for-profit; burden issue in footnote 10 was not decided."],["Stout v. FreeScore, LLC, 743 F.3d 680 — S041","Ninth Circuit, February 21, 2014; dismissal reversed. Paid monitoring/report services combined with the actual credit-improvement representations could fall within CROA.","Disclosed comparison. Not every monitoring service is covered; a disclaimer did not dispose of the pleaded representations in that case."]]},{"headers":["Ledger item","Amount"],"index":11,"links":[],"row_links":[[],[],[],[],[],[],[]],"rows":[["Ledger item","Amount"],["Consumer receipt","$150.00"],["Applied as earned","$0.00"],["Returned","$0.00"],["Unapplied customer balance","$150.00"],["Actual creditor payment","$0.00"],["Change in creditor principal","$0.00"]]},{"headers":["Branch","Represented timeframe expires","Qualifying report issued/provided","Fictional payment request"],"index":12,"links":[],"row_links":[[],[],[]],"rows":[["Branch","Represented timeframe expires","Qualifying report issued/provided","Fictional payment request"],["Report first","September 30","Issued August 20; provided August 21","October 2"],["Timeframe first","July 31","Issued August 20; provided August 21","August 24"]]},{"headers":["Account","Opening","Change","Closing"],"index":13,"links":[],"row_links":[[],[],[],[]],"rows":[["Account","Opening","Change","Closing"],["Customer money held","$300.00","−$300.00 return","$0.00"],["Provider service amount retained","$0.00","$0.00","$0.00"],["Creditor principal","$4,000.00","$0.00","$4,000.00"]]},{"headers":["Posture","Facts","Positive/adverse boundary"],"index":14,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Posture","Facts","Positive/adverse boundary"],["P05","Company sells only report monitoring, then advertises score improvement and advice.","Actual representations may change coverage; a “not credit repair” disclaimer is not dispositive."],["P06","Borrower pays solely for introduction to a lender offering ordinary public terms.","State referral-fee prohibition is material; calling it an application fee does not resolve it."],["P07","Arkansas lawyer provides ancillary credit advice during actual legal representation.","State exclusion requires all conditions; federal CROA and TSR are separately tested."],["P08","Nonprofit corporation claims § 501(c)(3) status but operates for private profit.","State status and federal nonprofit operation/tax conditions require evidence; no entity lookup performed."],["P09","Licensed collection agency sells an unrelated credit-improvement subscription.","License ownership does not establish that the activity is within its regulated collection function."],["P10","Real-estate licensee offers a separately branded credit-repair package.","Actual regulated real-estate activity is required for the listed state exclusion."],["P11","Broker calls itself a consumer reporting agency.","Current report access alone does not establish the frozen 2017 incorporated definition."],["P12","Company markets new credit before the customer has ever received a loan.","State “buyer” wording creates an application question; it is not resolved by ignoring that definition."],["P13","Customer signs a cancellation waiver or “nonrefundable” clause.","State and federal nonwaiver rules must be applied; a label does not defeat a statutory return right."],["P14","Provider recommends changing identity details to conceal accurate credit history.","Federal false-identity and state misleading-statement provisions are implicated; no legitimate-service exception assumed."],["P15","Seller phones Arkansas residents with a special-discount or bonus offer.","Chapter 99 definition/exclusions, registration, and separate security may apply in addition to § 202 and federal law."],["P16","Seller has a $50,000 telephonic bond and assumes that replaces § 202’s bond and trust.","No substitution or cross-credit was established; separate statutes and instruments must be satisfied."]]},{"headers":["Source ID","Issuer/title/direct HTTPS URL","Actual scope, dates, status, and limits"],"index":15,"links":[{"href":"https://arkleg.state.ar.us/Home/FTPDocument?path=%2FACTS%2F2017R%2FPublic%2FACT944.pdf&utm_source=chatgpt.com","text":"https://arkleg.state.ar.us/Home/FTPDocument?path=%2FACTS%2F2017R%2FPublic%2FACT944.pdf"},{"href":"https://law.justia.com/codes/arkansas/title-4/subtitle-7/chapter-91/subchapter-2/section-4-91-202/?utm_source=chatgpt.com","text":"https://law.justia.com/codes/arkansas/title-4/subtitle-7/chapter-91/subchapter-2/section-4-91-202/"},{"href":"https://law.justia.com/codes/arkansas/title-4/subtitle-7/chapter-91/?utm_source=chatgpt.com","text":"https://law.justia.com/codes/arkansas/title-4/subtitle-7/chapter-91/"},{"href":"https://arkleg.state.ar.us/Bills/Detail?ddBienniumSession=2019%2F2019R&id=HB1958&utm_source=chatgpt.com","text":"https://arkleg.state.ar.us/Bills/Detail?ddBienniumSession=2019%2F2019R&id=HB1958"},{"href":"https://law.justia.com/codes/arkansas/title-4/subtitle-5/chapter-57/section-4-57-104/?utm_source=chatgpt.com","text":"https://law.justia.com/codes/arkansas/title-4/subtitle-5/chapter-57/section-4-57-104/"},{"href":"https://arkleg.state.ar.us/Home/FTPDocument?path=%2FACTS%2F2013%2FPublic%2FACT1124.pdf&utm_source=chatgpt.com","text":"https://arkleg.state.ar.us/Home/FTPDocument?path=%2FACTS%2F2013%2FPublic%2FACT1124.pdf"},{"href":"https://www.sos.arkansas.gov/uploads/elections/Arkansas_Election_Laws_and_Constitution_2025_Edition.pdf?utm_source=chatgpt.com","text":"https://www.sos.arkansas.gov/uploads/elections/Arkansas_Election_Laws_and_Constitution_2025_Edition.pdf"},{"href":"https://law.justia.com/codes/arkansas/title-4/subtitle-7/chapter-88/subchapter-1/section-4-88-101/?utm_source=chatgpt.com","text":"https://law.justia.com/codes/arkansas/title-4/subtitle-7/chapter-88/subchapter-1/section-4-88-101/"},{"href":"https://law.justia.com/codes/arkansas/title-4/subtitle-7/chapter-88/subchapter-1/section-4-88-102/?utm_source=chatgpt.com","text":"https://law.justia.com/codes/arkansas/title-4/subtitle-7/chapter-88/subchapter-1/section-4-88-102/"},{"href":"https://law.justia.com/codes/arkansas/title-4/subtitle-7/chapter-88/subchapter-1/section-4-88-107/?utm_source=chatgpt.com","text":"https://law.justia.com/codes/arkansas/title-4/subtitle-7/chapter-88/subchapter-1/section-4-88-107/"},{"href":"https://law.justia.com/codes/arkansas/title-4/subtitle-7/chapter-88/subchapter-1/section-4-88-113/?utm_source=chatgpt.com","text":"https://law.justia.com/codes/arkansas/title-4/subtitle-7/chapter-88/subchapter-1/section-4-88-113/"},{"href":"https://arkleg.state.ar.us/Home/FTPDocument?path=%2FACTS%2F2017R%2FPublic%2FACT986.pdf&utm_source=chatgpt.com","text":"https://arkleg.state.ar.us/Home/FTPDocument?path=%2FACTS%2F2017R%2FPublic%2FACT986.pdf"},{"href":"https://arkleg.state.ar.us/Home/FTPDocument?path=%2FACTS%2F2021R%2FPublic%2FACT1015.pdf&utm_source=chatgpt.com","text":"https://arkleg.state.ar.us/Home/FTPDocument?path=%2FACTS%2F2021R%2FPublic%2FACT1015.pdf"},{"href":"https://codeofarrules.arkansas.gov/?utm_source=chatgpt.com","text":"https://codeofarrules.arkansas.gov/"},{"href":"https://codeofarrules.arkansas.gov/Rules/Search?utm_source=chatgpt.com","text":"https://codeofarrules.arkansas.gov/Rules/Search"},{"href":"https://www.arkleg.state.ar.us/ArkansasLaw?utm_source=chatgpt.com","text":"https://www.arkleg.state.ar.us/ArkansasLaw"},{"href":"https://www.sos.arkansas.gov/site/page/Security?utm_source=chatgpt.com","text":"https://www.sos.arkansas.gov/site/page/Security"},{"href":"https://arkansasag.gov/divisions/public-protection/finances/credit-reporting-repair-scams/?utm_source=chatgpt.com","text":"https://arkansasag.gov/divisions/public-protection/finances/credit-reporting-repair-scams/"}],"row_links":[[],[{"href":"https://arkleg.state.ar.us/Home/FTPDocument?path=%2FACTS%2F2017R%2FPublic%2FACT944.pdf&utm_source=chatgpt.com","text":"https://arkleg.state.ar.us/Home/FTPDocument?path=%2FACTS%2F2017R%2FPublic%2FACT944.pdf"}],[{"href":"https://law.justia.com/codes/arkansas/title-4/subtitle-7/chapter-91/subchapter-2/section-4-91-202/?utm_source=chatgpt.com","text":"https://law.justia.com/codes/arkansas/title-4/subtitle-7/chapter-91/subchapter-2/section-4-91-202/"}],[{"href":"https://law.justia.com/codes/arkansas/title-4/subtitle-7/chapter-91/?utm_source=chatgpt.com","text":"https://law.justia.com/codes/arkansas/title-4/subtitle-7/chapter-91/"}],[{"href":"https://arkleg.state.ar.us/Bills/Detail?ddBienniumSession=2019%2F2019R&id=HB1958&utm_source=chatgpt.com","text":"https://arkleg.state.ar.us/Bills/Detail?ddBienniumSession=2019%2F2019R&id=HB1958"}],[{"href":"https://law.justia.com/codes/arkansas/title-4/subtitle-5/chapter-57/section-4-57-104/?utm_source=chatgpt.com","text":"https://law.justia.com/codes/arkansas/title-4/subtitle-5/chapter-57/section-4-57-104/"}],[{"href":"https://arkleg.state.ar.us/Home/FTPDocument?path=%2FACTS%2F2013%2FPublic%2FACT1124.pdf&utm_source=chatgpt.com","text":"https://arkleg.state.ar.us/Home/FTPDocument?path=%2FACTS%2F2013%2FPublic%2FACT1124.pdf"}],[{"href":"https://www.sos.arkansas.gov/uploads/elections/Arkansas_Election_Laws_and_Constitution_2025_Edition.pdf?utm_source=chatgpt.com","text":"https://www.sos.arkansas.gov/uploads/elections/Arkansas_Election_Laws_and_Constitution_2025_Edition.pdf"}],[{"href":"https://law.justia.com/codes/arkansas/title-4/subtitle-7/chapter-88/subchapter-1/section-4-88-101/?utm_source=chatgpt.com","text":"https://law.justia.com/codes/arkansas/title-4/subtitle-7/chapter-88/subchapter-1/section-4-88-101/"}],[{"href":"https://law.justia.com/codes/arkansas/title-4/subtitle-7/chapter-88/subchapter-1/section-4-88-102/?utm_source=chatgpt.com","text":"https://law.justia.com/codes/arkansas/title-4/subtitle-7/chapter-88/subchapter-1/section-4-88-102/"}],[{"href":"https://law.justia.com/codes/arkansas/title-4/subtitle-7/chapter-88/subchapter-1/section-4-88-107/?utm_source=chatgpt.com","text":"https://law.justia.com/codes/arkansas/title-4/subtitle-7/chapter-88/subchapter-1/section-4-88-107/"}],[{"href":"https://law.justia.com/codes/arkansas/title-4/subtitle-7/chapter-88/subchapter-1/section-4-88-113/?utm_source=chatgpt.com","text":"https://law.justia.com/codes/arkansas/title-4/subtitle-7/chapter-88/subchapter-1/section-4-88-113/"}],[{"href":"https://arkleg.state.ar.us/Home/FTPDocument?path=%2FACTS%2F2017R%2FPublic%2FACT986.pdf&utm_source=chatgpt.com","text":"https://arkleg.state.ar.us/Home/FTPDocument?path=%2FACTS%2F2017R%2FPublic%2FACT986.pdf"}],[{"href":"https://arkleg.state.ar.us/Home/FTPDocument?path=%2FACTS%2F2021R%2FPublic%2FACT1015.pdf&utm_source=chatgpt.com","text":"https://arkleg.state.ar.us/Home/FTPDocument?path=%2FACTS%2F2021R%2FPublic%2FACT1015.pdf"}],[{"href":"https://codeofarrules.arkansas.gov/?utm_source=chatgpt.com","text":"https://codeofarrules.arkansas.gov/"},{"href":"https://codeofarrules.arkansas.gov/Rules/Search?utm_source=chatgpt.com","text":"https://codeofarrules.arkansas.gov/Rules/Search"}],[{"href":"https://www.arkleg.state.ar.us/ArkansasLaw?utm_source=chatgpt.com","text":"https://www.arkleg.state.ar.us/ArkansasLaw"}],[{"href":"https://www.sos.arkansas.gov/site/page/Security?utm_source=chatgpt.com","text":"https://www.sos.arkansas.gov/site/page/Security"}],[{"href":"https://arkansasag.gov/divisions/public-protection/finances/credit-reporting-repair-scams/?utm_source=chatgpt.com","text":"https://arkansasag.gov/divisions/public-protection/finances/credit-reporting-repair-scams/"}]],"rows":[["Source ID","Issuer/title/direct HTTPS URL","Actual scope, dates, status, and limits"],["S_AR-P08-S001","Arkansas General Assembly, Act 944 of 2017. https://arkleg.state.ar.us/Home/FTPDocument?path=%2FACTS%2F2017R%2FPublic%2FACT944.pdf","P: new §202(a)–(h) and material repeals read. Definitions printed2–3/PDF1–2; disclosure3–4/PDF2–3; cancellation5/PDF4; advance-charge6/PDF5; repealed damages9/PDF8; old copy clause/approval12/PDF11. Relevant images inspected. Approved April5,2017; exact default commencement and complete later chain held."],["S_AR-P08-S002","Arkansas Code §4-91-202, 2025 mirror. https://law.justia.com/codes/arkansas/title-4/subtitle-7/chapter-91/subchapter-2/section-4-91-202/","M: complete operative (a)–(h). History lists Act944§1; publisher disclaims guaranteed currentness."],["S_AR-P08-S003","Chapter91 index. https://law.justia.com/codes/arkansas/title-4/subtitle-7/chapter-91/","M/index: repealed subchapter1 and 2017 subchapter identified. Not independent proof of every current section."],["S_AR-P08-S004","Arkansas Legislature, HB1958, 2019 status. https://arkleg.state.ar.us/Bills/Detail?ddBienniumSession=2019%2F2019R&id=HB1958","P status body: proposal died in Senate committee at sine die, April24,2019. Proposal not applied; not proof of complete later-law absence."],["S_AR-P08-S005","§4-57-104. https://law.justia.com/codes/arkansas/title-4/subtitle-5/chapter-57/section-4-57-104/","M: interest cross-reference to Amendment89. Current primary chain partial."],["S_AR-P08-S006","Act1124 of2013. https://arkleg.state.ar.us/Home/FTPDocument?path=%2FACTS%2F2013%2FPublic%2FACT1124.pdf","P: material §3, printed2/PDF1, text/image; related saving language read. Approved April11,2013; exact default commencement held."],["S_AR-P08-S007","Arkansas Secretary of State, 2025 Constitution reproduction. https://www.sos.arkansas.gov/uploads/elections/Arkansas_Election_Laws_and_Constitution_2025_Edition.pdf","P: Art5§1 printed593–594/PDF605–606; Amendment89 §§2–3,5–6,9,12–13 printed733–735/PDF745–747, text/images. Amendment89 expressly effective Jan1,2011. Later constitutional chain not fully reconstructed."],["S_AR-P08-S008","§4-88-101. https://law.justia.com/codes/arkansas/title-4/subtitle-7/chapter-88/subchapter-1/section-4-88-101/","M: complete applicability exclusions; selected primary amendment in S012."],["S_AR-P08-S009","§4-88-102. https://law.justia.com/codes/arkansas/title-4/subtitle-7/chapter-88/subchapter-1/section-4-88-102/","M: material definitions, including actual financial loss, person and services."],["S_AR-P08-S010","§4-88-107. https://law.justia.com/codes/arkansas/title-4/subtitle-7/chapter-88/subchapter-1/section-4-88-107/","M: material deceptive-practice provisions, including relevant facilitation and catchall language. Full UDAP dossier excluded."],["S_AR-P08-S011","§4-88-113. https://law.justia.com/codes/arkansas/title-4/subtitle-7/chapter-88/subchapter-1/section-4-88-113/","M: (a)–(f), public/private remedies, liability predicates and limits. No actual award calculated."],["S_AR-P08-S012","Act986 of2017. https://arkleg.state.ar.us/Home/FTPDocument?path=%2FACTS%2F2017R%2FPublic%2FACT986.pdf","P: §§1–4, printed1–2/PDF0–1, text/images. Became law April7,2017 without Governor signature. Exact commencement held; §4’s action-timing clause preserved."],["S_AR-P08-S013","Act1015 of2021. https://arkleg.state.ar.us/Home/FTPDocument?path=%2FACTS%2F2021R%2FPublic%2FACT1015.pdf","P: material §§2–3, printed2/PDF1, text/image; assistance/controller amendments. Entire act and full effective chain not claimed read."],["S_AR-P08-S014","Official Code of Arkansas Rules. https://codeofarrules.arkansas.gov/ ; https://codeofarrules.arkansas.gov/Rules/Search","G/index: database/search instructions read; bounded indexed searches performed. No responsive CSO operative rule body located. Interactive search form not submitted; negative result is limited."],["S_AR-P08-S015","Legislature, Arkansas Law index. https://www.arkleg.state.ar.us/ArkansasLaw","Official index read; external Code link identified. Current §202 body not obtained from that service. Previously blocked portal was not repeatedly retried."],["S_AR-P08-S016","Secretary of State public forms index. https://www.sos.arkansas.gov/site/page/Security","G/index: telephonic-seller form list and links read. Actual forms separately opened below. Not a CSO-specific licensing page."],["S_AR-P08-S017","Arkansas AG credit-reporting/repair page. https://arkansasag.gov/divisions/public-protection/finances/credit-reporting-repair-scams/","F: 403. No inaccessible guidance treated as substantive authority. Official enactment and Code reproduction were independent successful routes."]]},{"headers":["Source ID","Issuer/title/direct HTTPS URL","Actual portion read"],"index":16,"links":[{"href":"https://uscode.house.gov/us/usc/119-124/t15/s1679a/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-124/t15/s1679a/"},{"href":"https://uscode.house.gov/us/usc/119-124/t15/s1679b/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-124/t15/s1679b/"},{"href":"https://uscode.house.gov/us/usc/119-124/t15/s1679c/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-124/t15/s1679c/"},{"href":"https://uscode.house.gov/us/usc/119-124/t15/s1679d/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-124/t15/s1679d/"},{"href":"https://uscode.house.gov/us/usc/119-124/t15/s1679e/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-124/t15/s1679e/"},{"href":"https://uscode.house.gov/us/usc/119-124/t15/s1679f/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-124/t15/s1679f/"},{"href":"https://uscode.house.gov/us/usc/119-124/t15/s1679g/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-124/t15/s1679g/"},{"href":"https://uscode.house.gov/us/usc/119-124/t15/s1679h/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-124/t15/s1679h/"},{"href":"https://uscode.house.gov/us/usc/119-124/t15/s1679j/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-124/t15/s1679j/"},{"href":"https://uscode.house.gov/us/usc/119-124/t26/s501/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-124/t26/s501/"},{"href":"https://uscode.house.gov/us/usc/119-124/t12/s1813/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-124/t12/s1813/"},{"href":"https://uscode.house.gov/us/usc/119-124/t12/s1752/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-124/t12/s1752/"},{"href":"https://uscode.house.gov/us/usc/119-124/t15/s1602/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-124/t15/s1602/"},{"href":"https://uscode.house.gov/us/usc/119-124/t15/s1681a/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-124/t15/s1681a/"},{"href":"https://uscode.house.gov/us/usc/119-124/t15/s1681j/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-124/t15/s1681j/"},{"href":"https://uscode.house.gov/us/usc/119-124/t15/s44/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-124/t15/s44/"},{"href":"https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.2?utm_source=chatgpt.com","text":"https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.2"},{"href":"https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4?utm_source=chatgpt.com","text":"https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4"},{"href":"https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.6?utm_source=chatgpt.com","text":"https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.6"},{"href":"https://www.ftc.gov/business-guidance/resources/complying-telemarketing-sales-rule?utm_source=chatgpt.com","text":"https://www.ftc.gov/business-guidance/resources/complying-telemarketing-sales-rule"}],"row_links":[[],[{"href":"https://uscode.house.gov/us/usc/119-124/t15/s1679a/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-124/t15/s1679a/"}],[{"href":"https://uscode.house.gov/us/usc/119-124/t15/s1679b/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-124/t15/s1679b/"}],[{"href":"https://uscode.house.gov/us/usc/119-124/t15/s1679c/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-124/t15/s1679c/"}],[{"href":"https://uscode.house.gov/us/usc/119-124/t15/s1679d/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-124/t15/s1679d/"}],[{"href":"https://uscode.house.gov/us/usc/119-124/t15/s1679e/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-124/t15/s1679e/"}],[{"href":"https://uscode.house.gov/us/usc/119-124/t15/s1679f/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-124/t15/s1679f/"}],[{"href":"https://uscode.house.gov/us/usc/119-124/t15/s1679g/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-124/t15/s1679g/"}],[{"href":"https://uscode.house.gov/us/usc/119-124/t15/s1679h/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-124/t15/s1679h/"}],[{"href":"https://uscode.house.gov/us/usc/119-124/t15/s1679j/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-124/t15/s1679j/"}],[{"href":"https://uscode.house.gov/us/usc/119-124/t26/s501/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-124/t26/s501/"}],[{"href":"https://uscode.house.gov/us/usc/119-124/t12/s1813/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-124/t12/s1813/"}],[{"href":"https://uscode.house.gov/us/usc/119-124/t12/s1752/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-124/t12/s1752/"}],[{"href":"https://uscode.house.gov/us/usc/119-124/t15/s1602/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-124/t15/s1602/"}],[{"href":"https://uscode.house.gov/us/usc/119-124/t15/s1681a/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-124/t15/s1681a/"}],[{"href":"https://uscode.house.gov/us/usc/119-124/t15/s1681j/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-124/t15/s1681j/"}],[{"href":"https://uscode.house.gov/us/usc/119-124/t15/s44/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-124/t15/s44/"}],[{"href":"https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.2?utm_source=chatgpt.com","text":"https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.2"}],[{"href":"https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4?utm_source=chatgpt.com","text":"https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4"}],[{"href":"https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.6?utm_source=chatgpt.com","text":"https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.6"}],[{"href":"https://www.ftc.gov/business-guidance/resources/complying-telemarketing-sales-rule?utm_source=chatgpt.com","text":"https://www.ftc.gov/business-guidance/resources/complying-telemarketing-sales-rule"}]],"rows":[["Source ID","Issuer/title/direct HTTPS URL","Actual portion read"],["S_AR-P08-S018","OLRC, 15USC1679a. https://uscode.house.gov/us/usc/119-124/t15/s1679a/","P: complete definitions/exclusions and credit cross-reference note."],["S_AR-P08-S019","15USC1679b. https://uscode.house.gov/us/usc/119-124/t15/s1679b/","P: prohibited statements/practices and advance-payment subsection."],["S_AR-P08-S020","15USC1679c. https://uscode.house.gov/us/usc/119-124/t15/s1679c/","P: required disclosure, separate-document rule and two-year acknowledgment retention."],["S_AR-P08-S021","15USC1679d. https://uscode.house.gov/us/usc/119-124/t15/s1679d/","P: signed/dated contract, initial service delay and required terms."],["S_AR-P08-S022","15USC1679e. https://uscode.house.gov/us/usc/119-124/t15/s1679e/","P: cancellation, duplicate form and copies at signing; differing wording preserved."],["S_AR-P08-S023","15USC1679f. https://uscode.house.gov/us/usc/119-124/t15/s1679f/","P: waiver, attempted waiver and noncompliant services contracts."],["S_AR-P08-S024","15USC1679g. https://uscode.house.gov/us/usc/119-124/t15/s1679g/","P: conditional civil-liability measure, punitive factors, successful-action costs/fees."],["S_AR-P08-S025","15USC1679h. https://uscode.house.gov/us/usc/119-124/t15/s1679h/","P: FTC/state enforcement, notice/intervention and concurrent-action limits."],["S_AR-P08-S026","15USC1679j. https://uscode.house.gov/us/usc/119-124/t15/s1679j/","P: state-law preservation except actual inconsistency to its extent."],["S_AR-P08-S027","26USC501. https://uscode.house.gov/us/usc/119-124/t26/s501/","P: material §501(c)(3) status/operation conditions. No actual tax-status inquiry."],["S_AR-P08-S028","12USC1813. https://uscode.house.gov/us/usc/119-124/t12/s1813/","P: material depository/bank/savings/insured definitions and subsidiary/affiliate cross-references. Full downstream affiliate chain held."],["S_AR-P08-S029","12USC1752. https://uscode.house.gov/us/usc/119-124/t12/s1752/","P: material federal/state credit-union and insurance definitions."],["S_AR-P08-S030","15USC1602. https://uscode.house.gov/us/usc/119-124/t15/s1602/","P: material credit/creditor definitions, including (f)–(g), and consumer-purpose language."],["S_AR-P08-S031","15USC1681a. https://uscode.house.gov/us/usc/119-124/t15/s1681a/","P: material consumer-report and CRA definitions, especially (f). This is not the exact frozen January1,2017 version."],["S_AR-P08-S032","15USC1681j. https://uscode.house.gov/us/usc/119-124/t15/s1681j/","P: subsection(b), qualifying sixty-day adverse-action free-file route. Full FCRA not researched."],["S_AR-P08-S033","15USC44. https://uscode.house.gov/us/usc/119-124/t15/s44/","P: material FTC corporation/person definitions. Does not alone resolve every TSR jurisdiction exclusion."],["S_AR-P08-S034","eCFR, 16CFR310.2. https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.2","Officially maintained authoritative unofficial codification; material customer, seller, telemarketer, telemarketing, person, credit and debt-relief definitions. Title16 through Oct23,2026."],["S_AR-P08-S035","16CFR310.4. https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4","Material (a)(2)–(5), including exact credit-repair report timing, loan and recovery boundaries. Other conduct provisions not comprehensively analyzed."],["S_AR-P08-S036","16CFR310.6. https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.6","Material complete exemption body, especially (b)(3)–(7). No all-transaction exemption assumed."],["S_AR-P08-S037","FTC, Complying with the TSR. https://www.ftc.gov/business-guidance/resources/complying-telemarketing-sales-rule","G: relevant jurisdiction/exemption and credit-repair-payment passages only. Staff guidance, not substitute for current rule; unrelated historic content not adopted."]]},{"headers":["Source ID","Court/title/direct HTTPS URL","Actual body, posture, and limits"],"index":17,"links":[{"href":"https://law.justia.com/cases/arkansas/supreme-court/2017/cv-17-103.html?utm_source=chatgpt.com","text":"https://law.justia.com/cases/arkansas/supreme-court/2017/cv-17-103.html"},{"href":"https://www.govinfo.gov/content/pkg/USREPORTS-565/pdf/USREPORTS-565-95.pdf?utm_source=chatgpt.com","text":"https://www.govinfo.gov/content/pkg/USREPORTS-565/pdf/USREPORTS-565-95.pdf"},{"href":"https://www.ca1.uscourts.gov/sites/ca1/files/opnfiles/04-2039-01A.pdf?utm_source=chatgpt.com","text":"https://www.ca1.uscourts.gov/sites/ca1/files/opnfiles/04-2039-01A.pdf"},{"href":"https://cdn.ca9.uscourts.gov/datastore/opinions/2014/02/21/10-56887.pdf?utm_source=chatgpt.com","text":"https://cdn.ca9.uscourts.gov/datastore/opinions/2014/02/21/10-56887.pdf"},{"href":"https://www.govinfo.gov/content/pkg/USCODE-2016-title15/pdf/USCODE-2016-title15-chap41-subchapIII-sec1681a.pdf","text":"https://www.govinfo.gov/content/pkg/USCODE-2016-title15/pdf/USCODE-2016-title15-chap41-subchapIII-sec1681a.pdf"},{"href":"https://www.govinfo.gov/content/pkg/USCODE-2016-title15/html/USCODE-2016-title15-chap41-subchapIII-sec1681a.htm","text":"https://www.govinfo.gov/content/pkg/USCODE-2016-title15/html/USCODE-2016-title15-chap41-subchapIII-sec1681a.htm"},{"href":"https://www.arkleg.state.ar.us/Assembly/2017/2017R/Pages/SessionSummary.aspx","text":"https://www.arkleg.state.ar.us/Assembly/2017/2017R/Pages/SessionSummary.aspx"},{"href":"https://opinions.arcourts.gov/ark/supremecourt/en/nav_date.do","text":"https://opinions.arcourts.gov/ark/supremecourt/en/nav_date.do"},{"href":"https://www.supremecourt.gov/opinions/11pdf/10-948.pdf","text":"https://www.supremecourt.gov/opinions/11pdf/10-948.pdf"}],"row_links":[[],[{"href":"https://law.justia.com/cases/arkansas/supreme-court/2017/cv-17-103.html?utm_source=chatgpt.com","text":"https://law.justia.com/cases/arkansas/supreme-court/2017/cv-17-103.html"}],[{"href":"https://www.govinfo.gov/content/pkg/USREPORTS-565/pdf/USREPORTS-565-95.pdf?utm_source=chatgpt.com","text":"https://www.govinfo.gov/content/pkg/USREPORTS-565/pdf/USREPORTS-565-95.pdf"}],[{"href":"https://www.ca1.uscourts.gov/sites/ca1/files/opnfiles/04-2039-01A.pdf?utm_source=chatgpt.com","text":"https://www.ca1.uscourts.gov/sites/ca1/files/opnfiles/04-2039-01A.pdf"}],[{"href":"https://cdn.ca9.uscourts.gov/datastore/opinions/2014/02/21/10-56887.pdf?utm_source=chatgpt.com","text":"https://cdn.ca9.uscourts.gov/datastore/opinions/2014/02/21/10-56887.pdf"}],[{"href":"https://www.govinfo.gov/content/pkg/USCODE-2016-title15/pdf/USCODE-2016-title15-chap41-subchapIII-sec1681a.pdf","text":"https://www.govinfo.gov/content/pkg/USCODE-2016-title15/pdf/USCODE-2016-title15-chap41-subchapIII-sec1681a.pdf"},{"href":"https://www.govinfo.gov/content/pkg/USCODE-2016-title15/html/USCODE-2016-title15-chap41-subchapIII-sec1681a.htm","text":"https://www.govinfo.gov/content/pkg/USCODE-2016-title15/html/USCODE-2016-title15-chap41-subchapIII-sec1681a.htm"}],[{"href":"https://www.arkleg.state.ar.us/Assembly/2017/2017R/Pages/SessionSummary.aspx","text":"https://www.arkleg.state.ar.us/Assembly/2017/2017R/Pages/SessionSummary.aspx"}],[{"href":"https://opinions.arcourts.gov/ark/supremecourt/en/nav_date.do","text":"https://opinions.arcourts.gov/ark/supremecourt/en/nav_date.do"},{"href":"https://www.supremecourt.gov/opinions/11pdf/10-948.pdf","text":"https://www.supremecourt.gov/opinions/11pdf/10-948.pdf"}]],"rows":[["Source ID","Court/title/direct HTTPS URL","Actual body, posture, and limits"],["S_AR-P08-S038","Arkansas Supreme Court, Air Evac, 2017 Ark.368. https://law.justia.com/cases/arkansas/supreme-court/2017/cv-17-103.html","R: operative majority on certified ADTPA question and material dissent/participation information. December14,2017. Unnumbered HTML; no PDF index asserted."],["S_AR-P08-S039","U.S. Supreme Court, CompuCredit, 565US95. https://www.govinfo.gov/content/pkg/USREPORTS-565/pdf/USREPORTS-565-95.pdf","P: material majority printed97–105/PDF2–10; relevant concurrence/dissent and coverage limitation. Images printed99/PDF4 and104/PDF9 inspected. January10,2012."],["S_AR-P08-S040","First Circuit, Zimmerman, 409F3d473. https://www.ca1.uscourts.gov/sites/ca1/files/opnfiles/04-2039-01A.pdf","P: published majority, material printed4–14/PDF3–13, image printed13/PDF12. May31,2005. Footnote10 burden issue expressly unresolved. Disclosed comparison."],["S_AR-P08-S041","Ninth Circuit, Stout, 743F3d680. https://cdn.ca9.uscourts.gov/datastore/opinions/2014/02/21/10-56887.pdf","P: published majority, material facts and printed11–19/PDF10–18; images printed14/PDF13 and19/PDF18. February21,2014. Disclosed comparison."],["S_AR-P08-S042","Attempted official historical CRA definition. https://www.govinfo.gov/content/pkg/USCODE-2016-title15/pdf/USCODE-2016-title15-chap41-subchapIII-sec1681a.pdf ; https://www.govinfo.gov/content/pkg/USCODE-2016-title15/html/USCODE-2016-title15-chap41-subchapIII-sec1681a.htm","F: neither route supplied the required frozen body. Current S031 does not cure that historical incorporation gap."],["S_AR-P08-S043","Attempted 2017 session summary. https://www.arkleg.state.ar.us/Assembly/2017/2017R/Pages/SessionSummary.aspx","F: no usable body obtained. Exact default commencement of Act944 remains held; no guessed date adopted."],["S_AR-P08-S044","Official judicial access attempts. https://opinions.arcourts.gov/ark/supremecourt/en/nav_date.do ; https://www.supremecourt.gov/opinions/11pdf/10-948.pdf","F: Arkansas route did not provide the needed body; SCOTUS URL returned404. S038 is disclosed reproduction; S039 official govinfo alternative succeeded."]]},{"headers":["Source ID","Issuer/title/direct HTTPS URL","Actual scope, version, effect, and limits"],"index":18,"links":[{"href":"https://arkleg.state.ar.us/Acts/FTPDocument?ddBienniumSession=1993%2FR&file=137.pdf&path=%2FACTS%2F1993%2FPublic%2F&utm_source=chatgpt.com","text":"https://arkleg.state.ar.us/Acts/FTPDocument?ddBienniumSession=1993%2FR&file=137.pdf&path=%2FACTS%2F1993%2FPublic%2F"},{"href":"https://arkleg.state.ar.us/Home/FTPDocument?path=%2FACTS%2F2017R%2FPublic%2FACT728.pdf&utm_source=chatgpt.com","text":"https://arkleg.state.ar.us/Home/FTPDocument?path=%2FACTS%2F2017R%2FPublic%2FACT728.pdf"},{"href":"https://law.justia.com/codes/arkansas/title-4/subtitle-7/chapter-99/subchapter-1/section-4-99-103/?utm_source=chatgpt.com","text":"https://law.justia.com/codes/arkansas/title-4/subtitle-7/chapter-99/subchapter-1/section-4-99-103/"},{"href":"https://law.justia.com/codes/arkansas/title-4/subtitle-7/chapter-99/subchapter-1/section-4-99-104/?utm_source=chatgpt.com","text":"https://law.justia.com/codes/arkansas/title-4/subtitle-7/chapter-99/subchapter-1/section-4-99-104/"},{"href":"https://law.justia.com/codes/arkansas/title-4/subtitle-7/chapter-99/subchapter-1/section-4-99-105/?utm_source=chatgpt.com","text":"https://law.justia.com/codes/arkansas/title-4/subtitle-7/chapter-99/subchapter-1/section-4-99-105/"},{"href":"https://law.justia.com/codes/arkansas/title-4/subtitle-7/chapter-99/subchapter-1/section-4-99-106/?utm_source=chatgpt.com","text":"https://law.justia.com/codes/arkansas/title-4/subtitle-7/chapter-99/subchapter-1/section-4-99-106/"},{"href":"https://law.justia.com/codes/arkansas/title-4/subtitle-7/chapter-99/subchapter-1/section-4-99-107/?utm_source=chatgpt.com","text":"https://law.justia.com/codes/arkansas/title-4/subtitle-7/chapter-99/subchapter-1/section-4-99-107/"},{"href":"https://www.sos.arkansas.gov/uploads/bcs/SoS-TS01_TelephonicSellerAnnualRegistration_rvs05-2025_1.pdf?utm_source=chatgpt.com","text":"https://www.sos.arkansas.gov/uploads/bcs/SoS-TS01_TelephonicSellerAnnualRegistration_rvs05-2025_1.pdf"},{"href":"https://www.sos.arkansas.gov/uploads/bcs/SoS-TS03_TelephonicSalesperson_rvs05-2025_1.pdf?utm_source=chatgpt.com","text":"https://www.sos.arkansas.gov/uploads/bcs/SoS-TS03_TelephonicSalesperson_rvs05-2025_1.pdf"},{"href":"https://www.sos.arkansas.gov/uploads/bcs/SoS-TS05_Telephonic_Seller_Bond05-2025_1.pdf?utm_source=chatgpt.com","text":"https://www.sos.arkansas.gov/uploads/bcs/SoS-TS05_Telephonic_Seller_Bond05-2025_1.pdf"},{"href":"https://www.sos.arkansas.gov/uploads/bcs/SoS-TS02_TelephonicSalespersonConsentforServiceForm_rvs05-2025_1.pdf?utm_source=chatgpt.com","text":"https://www.sos.arkansas.gov/uploads/bcs/SoS-TS02_TelephonicSalespersonConsentforServiceForm_rvs05-2025_1.pdf"},{"href":"https://www.sos.arkansas.gov/uploads/bcs/SoS-TS04_TelephonicSellerConsentforServiceForm_rvs05-2025_1.pdf?utm_source=chatgpt.com","text":"https://www.sos.arkansas.gov/uploads/bcs/SoS-TS04_TelephonicSellerConsentforServiceForm_rvs05-2025_1.pdf"}],"row_links":[[],[{"href":"https://arkleg.state.ar.us/Acts/FTPDocument?ddBienniumSession=1993%2FR&file=137.pdf&path=%2FACTS%2F1993%2FPublic%2F&utm_source=chatgpt.com","text":"https://arkleg.state.ar.us/Acts/FTPDocument?ddBienniumSession=1993%2FR&file=137.pdf&path=%2FACTS%2F1993%2FPublic%2F"}],[{"href":"https://arkleg.state.ar.us/Home/FTPDocument?path=%2FACTS%2F2017R%2FPublic%2FACT728.pdf&utm_source=chatgpt.com","text":"https://arkleg.state.ar.us/Home/FTPDocument?path=%2FACTS%2F2017R%2FPublic%2FACT728.pdf"}],[{"href":"https://law.justia.com/codes/arkansas/title-4/subtitle-7/chapter-99/subchapter-1/section-4-99-103/?utm_source=chatgpt.com","text":"https://law.justia.com/codes/arkansas/title-4/subtitle-7/chapter-99/subchapter-1/section-4-99-103/"}],[{"href":"https://law.justia.com/codes/arkansas/title-4/subtitle-7/chapter-99/subchapter-1/section-4-99-104/?utm_source=chatgpt.com","text":"https://law.justia.com/codes/arkansas/title-4/subtitle-7/chapter-99/subchapter-1/section-4-99-104/"}],[{"href":"https://law.justia.com/codes/arkansas/title-4/subtitle-7/chapter-99/subchapter-1/section-4-99-105/?utm_source=chatgpt.com","text":"https://law.justia.com/codes/arkansas/title-4/subtitle-7/chapter-99/subchapter-1/section-4-99-105/"}],[{"href":"https://law.justia.com/codes/arkansas/title-4/subtitle-7/chapter-99/subchapter-1/section-4-99-106/?utm_source=chatgpt.com","text":"https://law.justia.com/codes/arkansas/title-4/subtitle-7/chapter-99/subchapter-1/section-4-99-106/"}],[{"href":"https://law.justia.com/codes/arkansas/title-4/subtitle-7/chapter-99/subchapter-1/section-4-99-107/?utm_source=chatgpt.com","text":"https://law.justia.com/codes/arkansas/title-4/subtitle-7/chapter-99/subchapter-1/section-4-99-107/"}],[{"href":"https://www.sos.arkansas.gov/uploads/bcs/SoS-TS01_TelephonicSellerAnnualRegistration_rvs05-2025_1.pdf?utm_source=chatgpt.com","text":"https://www.sos.arkansas.gov/uploads/bcs/SoS-TS01_TelephonicSellerAnnualRegistration_rvs05-2025_1.pdf"}],[{"href":"https://www.sos.arkansas.gov/uploads/bcs/SoS-TS03_TelephonicSalesperson_rvs05-2025_1.pdf?utm_source=chatgpt.com","text":"https://www.sos.arkansas.gov/uploads/bcs/SoS-TS03_TelephonicSalesperson_rvs05-2025_1.pdf"}],[{"href":"https://www.sos.arkansas.gov/uploads/bcs/SoS-TS05_Telephonic_Seller_Bond05-2025_1.pdf?utm_source=chatgpt.com","text":"https://www.sos.arkansas.gov/uploads/bcs/SoS-TS05_Telephonic_Seller_Bond05-2025_1.pdf"}],[{"href":"https://www.sos.arkansas.gov/uploads/bcs/SoS-TS02_TelephonicSalespersonConsentforServiceForm_rvs05-2025_1.pdf?utm_source=chatgpt.com","text":"https://www.sos.arkansas.gov/uploads/bcs/SoS-TS02_TelephonicSalespersonConsentforServiceForm_rvs05-2025_1.pdf"}],[{"href":"https://www.sos.arkansas.gov/uploads/bcs/SoS-TS04_TelephonicSellerConsentforServiceForm_rvs05-2025_1.pdf?utm_source=chatgpt.com","text":"https://www.sos.arkansas.gov/uploads/bcs/SoS-TS04_TelephonicSellerConsentforServiceForm_rvs05-2025_1.pdf"}]],"rows":[["Source ID","Issuer/title/direct HTTPS URL","Actual scope, version, effect, and limits"],["S_AR-P08-S045","Arkansas General Assembly, Act137 of1993. https://arkleg.state.ar.us/Acts/FTPDocument?ddBienniumSession=1993%2FR&file=137.pdf&path=%2FACTS%2F1993%2FPublic%2F","P: selected definition, registration/security and emergency provisions. Definition printed2/PDF1 image; §13 printed10/PDF9 and §17 printed11/PDF10 read. Approved/effective under emergency clause February16,1993; later amendments necessary."],["S_AR-P08-S046","Act728 of2017. https://arkleg.state.ar.us/Home/FTPDocument?path=%2FACTS%2F2017R%2FPublic%2FACT728.pdf","P: §§1–8, material text/images printed1–4/PDF0–3 and6/PDF5. Approved March28,2017; expressly effective January1,2018."],["S_AR-P08-S047","§4-99-103. https://law.justia.com/codes/arkansas/title-4/subtitle-7/chapter-99/subchapter-1/section-4-99-103/","M,2025: complete definition and exclusions. Intermediate 1995/2003 enactment chain not fully reconstructed."],["S_AR-P08-S048","§4-99-104. https://law.justia.com/codes/arkansas/title-4/subtitle-7/chapter-99/subchapter-1/section-4-99-104/","M: complete registration/fees/term/change/location/salesperson provisions; S046 primary support."],["S_AR-P08-S049","§4-99-105. https://law.justia.com/codes/arkansas/title-4/subtitle-7/chapter-99/subchapter-1/section-4-99-105/","M: filing fields, names/affiliates/locations/scripts and agent. Later 2019 technical amendment not independently read."],["S_AR-P08-S050","§4-99-106. https://law.justia.com/codes/arkansas/title-4/subtitle-7/chapter-99/subchapter-1/section-4-99-106/","M: exemption-record and verification requirements."],["S_AR-P08-S051","§4-99-107. https://law.justia.com/codes/arkansas/title-4/subtitle-7/chapter-99/subchapter-1/section-4-99-107/","M: basic bond and promotional-security body; primary support S045–S046."],["S_AR-P08-S052","SOS, TS-01. https://www.sos.arkansas.gov/uploads/bcs/SoS-TS01_TelephonicSellerAnnualRegistration_rvs05-2025_1.pdf","G/form: seven pages read; images printed1/PDF0,5/PDF4,7/PDF6. Filename identifies May2025 revision; not independent legal effective date."],["S_AR-P08-S053","SOS, TS-03. https://www.sos.arkansas.gov/uploads/bcs/SoS-TS03_TelephonicSalesperson_rvs05-2025_1.pdf","G/form: three pages read; first-page image inspected. May2025 filename; crossed consent reference preserved."],["S_AR-P08-S054","SOS, TS-05. https://www.sos.arkansas.gov/uploads/bcs/SoS-TS05_Telephonic_Seller_Bond05-2025_1.pdf","G/blank instrument: four pages read; images printed1,2,4/PDF0,1,3. Older agency and threshold wording preserved. Not a §202 bond form."],["S_AR-P08-S055","SOS, TS-02. https://www.sos.arkansas.gov/uploads/bcs/SoS-TS02_TelephonicSalespersonConsentforServiceForm_rvs05-2025_1.pdf","G/form: one unnumbered page/PDF0, text/image; salesperson title and inconsistent charitable-organization wording."],["S_AR-P08-S056","SOS, TS-04. https://www.sos.arkansas.gov/uploads/bcs/SoS-TS04_TelephonicSellerConsentforServiceForm_rvs05-2025_1.pdf","G/form: one unnumbered page/PDF0, text/image; seller title and same wording limitation."]]},{"headers":["Claim ID","Actor/predicate","Step or consequence","Exact authority / limit"],"index":19,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Claim ID","Actor/predicate","Step or consequence","Exact authority / limit"],["S_AR-P08-C001","State credit-services analysis","Use enacted 2017 framework, not repealed1987 text.","S001 §1 and repeal §§2–10; S002. Current chain partial."],["C002","Claimed buyer","Establish received-loan and repayment predicates.","§202(a)(1), S001–S002. Prospective-only application held."],["C003","Claimed consumer","Individual solicited or purchasing services.","§202(a)(2). Not identical to buyer."],["C004","Provider sells/represents listed services","Consideration and credit-by-others predicates matter.","§202(a)(3)(A)(i)–(v)."],["C005","Credit transaction classified","Apply primarily personal/family/household definition.","§202(a)(4); actual mixed-purpose facts held."],["C006","Provider relies on label or no completed work","Represented future service can satisfy service predicate.","§202(a)(3)(A). Actual representations required."],["C007","Monitoring/education service","Test promised advice/improvement, not label alone.","§202(a)(3); S041 comparison."],["C008","Credit-obtaining/referral/negotiation","Apply actual listed function and fee restrictions.","§202(a)(3)(A), (e)(2)."],["C009","Remote provider","No complete CSO territorial safe harbor established.","§202(d)(1)(F); S011(d); actual nexus held."],["C010","Lender claims exclusion","Authorization plus supervision/HUD condition.","§202(a)(3)(B)(i); incorporated approval framework partial."],["C011","Financial institution/operating subsidiary","Establish listed status, authorization and insurance language.","§202(a)(3)(B)(ii). Affiliate syntax/application held."],["C012","Nonprofit corporation","Establish qualifying §501(c)(3) condition.","§202(a)(3)(B)(iii); S027. No actual tax-status finding."],["C013","Real-estate licensee","Activity must be within stated regulatory scope.","§202(a)(3)(B)(iv)."],["C014","Collection licensee","Activity must be subject to Board regulation.","§202(a)(3)(B)(v). No license-to-repair inference."],["C015","Attorney","Arkansas license, client legal services and ancillary conduct required.","§202(a)(3)(B)(vi)."],["C016","Securities/commodities actor","Establish listed registration/regulation and activity.","§202(a)(3)(B)(vii). Downstream license statutes held."],["C017","Reporting agency","Apply frozen January1,2017 §1681a(f).","§202(a)(3)(B)(viii); S031/S042. Historical body held."],["C018","Sales staff/contractor","No generic employee exclusion; specified actors addressed in prohibited acts.","§202(e). Old §106 employee sentence repealed."],["C019","Exemption claimant","Bears state burden in proceedings under subchapter.","§202(g). Not imported as universal federal burden."]]},{"headers":["Claim ID","Actor/predicate","Step or consequence","Exact authority / limit"],"index":20,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Claim ID","Actor/predicate","Step or consequence","Exact authority / limit"],["C020","Provider seeks CSO credential","No dedicated §202 registration-grant mechanism established.","S001–S003; bounded source scope."],["C021","Cost/renewal estimate","CSO-specific government fee/term/location cycle unverified.","Same; unknown not zero, other regimes separate."],["C022","Provider invokes state advance exception","Obtain bond and establish qualifying trust.","§202(e)(1)(A)–(B)."],["C023","Bond obtained","$10,000; surety authorized to do business in Arkansas.","§202(e)(1)(A). Exact accepted instrument held."],["C024","Trust established","Stated Arkansas institution and federal insurance conditions.","§202(e)(1)(B)."],["C025","Provider handles trust funds","No minimum balance, withdrawal or reconciliation method established from §202.","Operative-section limitation; full trust law held."],["C026","Security cost calculated","Penal sum is not premium, collateral or customer fee.","§202(e)(1); no pricing quote supplied."],["C027","Security disclosure drafted","Disclosure “or” does not repeal payment-condition “and.”","§202(c)(1)(F)–(G), (e)(1)."],["C028","Buyer considers security claim","Disclosed right exists; full beneficiary/instrument/process unresolved.","§202(c)(1)(F)–(G); no award assumed."],["C029","Covered provider charges/receives","Complete agreed performance required absent state exception.","§202(e)(1). Federal law independent."],["C030","Partial service/installment","Proration or relabeling does not itself establish lawful earning.","§202(e)(1); S019(b). Divisibility held."],["C031","Service price selected","No general numeric service-price cap established in §202.","Entire §202; not all-law permission."],["C032","Sole referral fee","Prohibited for specified generally available lender terms.","§202(e)(2). Actual substantive service/terms required."],["C033","Loan obtained under section","Apply §4-57-104; specified excess provider amounts count as interest.","§202(b); S005–S006."],["C034","Loan-interest ceiling applied","Amendment89 categories/federal exceptions must be established.","S007 §§2–3,5–6. Not general repair-fee percentage."]]},{"headers":["Claim ID","Actor/predicate","Trigger, step, consequence","Exact authority / limit"],"index":21,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Claim ID","Actor/predicate","Trigger, step, consequence","Exact authority / limit"],["C035","Before contract/payment","State written statement before whichever occurs first.","§202(c)(1)."],["C036","Statement prepared","File/dispute rights, price/services and security information required.","§202(c)(1)(A)–(G)."],["C037","Adverse-credit file disclosure","State thirty-day wording does not curtail federal sixty-day right.","§202(c)(1)(B); S032(b); S020(a)."],["C038","Provider retains acknowledgment","Exact personally signed statement copy for two years.","§202(c)(2)."],["C039","Contract created","Written contract required; no finding unsigned contract valid.","§202(d)(1)(A), signature-related clauses."],["C040","Covered loan APR disclosed","Bold20-point Arial and1.5-point rectangle.","§202(d)(1)(B); S001 image."],["C041","Payment terms disclosed","Include total payments to provider or others.","§202(d)(1)(D)."],["C042","Services/guarantees described","Include full service, refund promises and completion estimate.","§202(d)(1)(E)."],["C043","Business identified","Principal address plus Arkansas process agent.","§202(d)(1)(F). Not a jurisdiction determination."],["C044","Contract cancellation statement","Bold/conspicuous near signature; fifth-day-after-transaction wording.","§202(d)(1)(C)."],["C045","Cancellation form supplied","Completed duplicate, detachable, attached, bold and same language.","§202(d)(2)."],["C046","State copies furnished","New clause says at cancellation; federal copies separately due at signing.","§202(d)(3); S022(c); repealed clause distinguished."],["C047","Seller receives timely cancellation","Required notice promises payments returned within ten days after receipt.","§202(d)(2). Actual notice/receipt facts absent."],["C048","Outer deadline calculated","Transaction/signing and calendar/business-day issues require harmonization.","§202(d); S021–S022. No live endpoint."],["C049","Provider deducts prior work","Required state notice does not authorize automatic work-cost offset from cancellation return.","§202(d)(2). Particular liability held."],["C050","Later refund/default/defect","Distinguish contractual promise, statutory cancellation and invalidity.","§202(d)–(f); S023."],["C051","Provider advises or markets","State false/misleading credit statements and deceptive-sale prohibitions apply.","§202(e)(3)–(4)."],["C052","False-identity advice","Federal prohibition addresses concealment of accurate current credit information.","S019(a)(1)–(4). Actual predicates required."],["C053","Buyer waiver sought","State waiver void; attempt violates subchapter.","§202(f)."],["C054","Covered CROA contract noncompliant","Federal nonwaiver and noncompliant-contract unenforceability rules apply.","S023(a)–(c)."],["C055","Entire state contract/severability disputed","No universal state whole-contract or severability outcome established.","§202(f),(h); full contract law deferred."]]},{"headers":["Claim ID","Actor/predicate","Trigger, step, consequence","Exact authority / limit"],"index":22,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Claim ID","Actor/predicate","Trigger, step, consequence","Exact authority / limit"],["C056","§202 violation alleged","ADTPA designation and remedy cross-reference.","§202(h); S010–S013."],["C057","Private state claimant","Prove reliance, actual financial loss and proximate cause; fees discretionary.","S011(f); S009; S012§3."],["C058","State private class asserted","Statutory class limitation and Amendment89 exception exist.","S011(f)(1)(B). Full procedural/preemption analysis deferred."],["C059","AG enforcement","Prevention, restoration and up-to-$10,000 state penalty under stated conditions.","S011(a)–(e). Not consumer automatic award."],["C060","Controller/assistant","Knowledge/reasonable-knowledge and statutory nexus predicates matter.","S011(d); S013§3."],["C061","Old state damages rule cited","Former §4-91-105 repealed; not current state floor.","S001§6, printed9/PDF8."],["C062","ADTPA exemption asserted","Specific statutory applicability conditions required.","S008; S012§1; S038."],["C063","Federal CROA classification","Interstate/mail, consideration and express/implied improvement/advice purpose.","S018(3)(A)."],["C064","Federal nonprofit exclusion","Actual nonprofit and §501(c)(3) conditions; comparison case not Arkansas binding.","S018(3)(B)(i),S027,S040."],["C065","Creditor restructuring own debt","Exclusion limited to defined creditor and debt owed to it.","S018(3)(B)(ii); S030(g)."],["C066","Financial institution/affiliate","Apply federal statutory definitions, not state-label equivalence.","S018(3)(B)(iii); S028–S029. Full affiliate facts held."],["C067","State exclusion asserted federally","State attorney/provider exclusion does not establish CROA exclusion.","S002(a)(3)(B) versus S018."],["C068","CROA provider charges/receives","Agreed service must be fully performed; no state security exception.","S019(b)."],["C069","CROA precontract disclosure","Separate statutory statement and signed acknowledgment; retain two years.","S020(a)–(c)."],["C070","CROA services begin","Written dated consumer-signed contract and initial no-service period.","S021(a)–(b)."],["C071","Consumer cancels federally","Apply operative third-business-day rule and required form.","S022(a)–(b); no calendar shortcut."],["C072","CROA documents signed","Provide completed contract, disclosure and required signed documents at signing.","S022(c)."],["C073","Federal liability established","Greater-of measure, possible punitive amount, successful-action costs/fees.","S024(a)–(b). No automatic payment."],["C074","Public CROA enforcement","FTC and state authority subject to statutory notice/concurrency provisions.","S025(a)–(c)."],["C075","State/federal overlap","Preserve state law except actual inconsistency to its extent.","S026. No wholesale preemption."],["C076","TSR application","Establish actual telemarketing, seller and jurisdictional facts.","S034; S036; limited S037 guidance."],["C077","Covered credit-repair payment request","Both timeframe expiry and provision of qualifying results report precede request/receipt.","S035(a)(2)(i)–(ii)."],["C078","Report age calculated","Issuance must be more than six months after results; no required order between two prerequisites.","S035(a)(2). No180-day substitution."],["C079","Early report later used","Waiting does not change report’s issuance date.","Same text; direct temporal inference."],["C080","Guaranteed/high-likelihood loan service","Separate TSR advance-loan provision may apply.","S035(a)(4)."],["C081","Attorney/debt-relief exception asserted","Recovery-service attorney clause and debt-relief account clause are not credit-repair exceptions.","S035(a)(2)–(5)."],["C082","Inbound/face-to-face exemption","Apply exact §310.6 branch; advertising carveouts matter.","S036(b)(3)–(7)."],["C083","FTC guide relied upon","Guidance supports interpretation, not replacement of current rule/jurisdiction analysis.","S037."]]},{"headers":["Claim ID","Predicate","Consequence","Evidence / limit"],"index":23,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Claim ID","Predicate","Consequence","Evidence / limit"],["C084","Arbitration challenged solely under CROA","CompuCredit rejects categorical anti-arbitration construction.","S039; actual agreement enforceability deferred."],["C085","Nonprofit proof compared","Zimmerman is First Circuit, dismissal-stage comparison.","S040; burden issue not decided."],["C086","Monitoring service compared","Stout depends on actual improvement representations.","S041; not every monitor covered."],["C087","Regulated-business exemption","Air Evac adopted specific-conduct analysis.","S038; not CSO merits judgment."],["C088","Arkansas/Eighth construction sought","No responsive complete construction found in bounded search.","Not absence-of-authority or citator clearance."],["C089","State effective/current law asserted","Approval not commencement; exact Act944 date and full later chain held.","S001,S007,S043."],["C090","Federal currency asserted","OLRC through Oct15; eCFR through Oct23; not unqualified Oct27 certificate.","S018–S036."],["C091","CSO security form sought","No authenticated credit-repair-specific bond/trust blank found.","S014–S017; telephonic forms separate."],["C092","Actual application","No private status, contract, tax, loan or claim facts verified.","Research scope."],["C093","Ledger analyzed","Receipt, earned application, return, security and creditor payment differ.","Conditional arithmetic; no legal entitlement inferred."],["C094","Subsequent treatment assessed","Four responsive opinion bodies read; full current citator incomplete.","S038–S041."],["C095","Telephone seller classification","Specific Chapter99 representations and exclusions required.","S047(8); S045§2."],["C096","Sales method/service changes","Separate labels, channels or line items do not prove exemption/divisibility.","S002,S018,S047; actual integration held."],["C097","Chapter99 territorial trigger","Solicitation from Arkansas or to Arkansas purchasers addressed.","S048(a)(2); S046§2."],["C098","Covered seller registers","Ten-day advance filing; $100; one-year term and $100 renewal.","S048(a)–(b); S046§2."],["C099","Covered salesperson starts","Seventy-two-hour registration; $10; one-year renewals.","S048(f); S053."],["C100","Registration information changes","Ten-day material update; separate quarterly salesperson updates.","S048(d)."],["C101","Names/locations/owners disclosed","Apply statutory filing and location-confirmation requirements.","S048(c),(e); S049. No per-branch fee invented."],["C102","Chapter99 exclusion claimed","Keep substantiating records and required verification.","S050; S046§4."],["C103","Covered telephonic seller secured","$50,000 state-benefit bond and filing, separate from §202 security.","S051(a); S046§5."],["C104","Qualifying premium promotion","Additional security/notice rules apply at statutory threshold.","S051(b); form discrepancy held."],["C105","Nonresident service consent","Applicable statutory consent process differs from form errors.","S046§6; S055–S056. Full litigation deferred."],["C106","Public forms examined","Actual linked TS01–05 bodies read; no submission or acceptance.","S052–S056."],["C107","Form conflicts encountered","Preserve crossed references, stale agency wording, threshold and submission discrepancies.","S048–S056. No guessed corrected instrument."],["C108","Security substituted","No $50,000 telephonic bond substitution for §202 bond-and-trust established.","S002(e)(1); S051."],["C109","Act728 commencement","Expressly January1,2018, not approval date.","S046§8, printed6/PDF5."],["C110","Registration status inferred","Posted forms, payment or submission do not establish actual registration/permission.","S048,S052–S056; no named status inquiry."],["C111","Electronic contracting/cancellation","State electronic-signature/delivery harmonization not completed.","Express writing/mail text; ESIGN/UETA application held."],["C112","General authorization inferred","State exclusion/security/registration does not decide federal coverage or all-law permission.","C020–C030,C063–C083,C095–C110."]]},{"headers":["Row","Issue","Status / claim references","Exact missing evidence or next action"],"index":24,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Row","Issue","Status / claim references","Exact missing evidence or next action"],["K01","Buyer/consumer definitions","Text read; C002–C003","Controlling construction of prospective/no-existing-loan customer."],["K02","Consideration and representations","Text read; C004–C006","Actual compensation, marketing and service facts."],["K03","Repair/monitoring/education","Partial; C007,C086","Arkansas/Eighth controlling application; actual promises."],["K04","Loan obtaining/referral/negotiation","Partial; C008,C032","Actual functions, terms and independent other-law permissions."],["K05","Consumer/business purpose","Text read/application held; C005","Actual transaction purpose and mixed-use facts."],["K06","Remote state nexus","Held in part; C009,C097","CSO-specific extraterritorial and choice-of-law authority."],["K07","Lender/institution exclusions","Partial; C010–C011","Authorization, insurance, HUD and affiliate-chain predicates."],["K08","Nonprofit","Text/comparison read; C012,C064,C085","Actual status/operation; controlling local construction."],["K09","Licensed professional/provider exclusions","Text read; C013–C016","Current license and actual regulated/ancillary activity."],["K10","CRA historical incorporation","Partial; C017","Exact January1,2017 §1681a(f) body and application."],["K11","Employees/agents/burden","Text read; C018–C019","Actual role, control and exemption proof."],["K12","Dedicated CSO registration","No mechanism established; C020–C021","Current official Code/rules and any specific administrative instrument."],["K13","Conditional telephonic registration","Enactment/forms read; C095–C102","Actual qualifying representations/exclusions and complete later chain."],["K14","CSO bond and trust","Core conditions read; C022–C024","Accepted instruments, custodial structure and actual execution."],["K15","Security operation/cancellation/claim","Held in part; C025–C028","Withdrawal, continuity, cancellation, beneficiary and claim authority."],["K16","Telephonic bond distinction","Text/forms read; C103–C108","Form/statute reconciliation and actual applicability."],["K17","State fee timing/partial delivery","Text read; C029–C030","Service integration, complete performance and legal divisibility."],["K18","Price cap/referral/interest","Partial; C031–C034","Loan classification, federal preemption and actual fee characterization."],["K19","Precontract/prepayment statement","Text read; C035–C038","Actual delivery, signed acknowledgment and retention."],["K20","Contract content/format","Text read; C039–C043","Actual contract, loan APR applicability and required terms."],["K21","Cancellation documents/language","Text read; C044–C045","Actual completed notices and transaction/signing facts."],["K22","Copy timing discrepancy","Identified; C046,C072","Controlling state construction; cumulative-compliance application."],["K23","Cancellation clock/method","Partial; C047–C048,C071","General counting, holiday, dispatch/receipt and electronic rules."],["K24","Refund scope/ordinary cancellation","Text read; C049–C050","Actual payment, timely notice, receipt and contract boundaries."],["K25","False statements/new identity","Text read; C051–C052","Actual representation, knowledge and prohibited purpose."],["K26","Waiver/voidness/severability","Partial; C053–C055,C084","Actual contract defect and governing severability/arbitration law."],["K27","State private/public remedies","Selected chain read; C056–C062","Actual elements, losses, applicability and complete remedy defenses."],["K28","CROA classification/exclusions","Material text read; C063–C067","Actual interstate, purpose, status and affiliation facts."],["K29","CROA contracts/cancel/payment","Text read; C068–C075","Actual service completion, contract, notice and timing."],["K30","TSR timing/exemptions","Current body read; C076–C083","Actual channel/jurisdiction and qualifying report/timeframe events."],["K31","Published construction","Four bodies read; C084–C088,C094","Responsive Arkansas/Eighth decisions and complete citator."],["K32","Ledgers/security/creditor distinction","Models reconcile; C093,C108","Actual records and legal entitlement; no facts verified."]]},{"headers":["Row","Source issue","Status","Exact next evidence"],"index":25,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[]],"rows":[["Row","Source issue","Status","Exact next evidence"],["Q01","Act944 and current §202","Official enactment plus 2025 mirror","Readable current official section and complete later amendment chain."],["Q02","Act944 commencement","Approval verified; exact date held","Official general effective-date/session record and any transition construction."],["Q03","State rules","Index and bounded indexed searches","Responsive final rule/adoption instrument, if any; negative search not absence."],["Q04","Security forms","No CSO-specific instrument authenticated","Current accepted §202 bond/trust instructions and legal authority."],["Q05","Telephonic overlay","Selected original/amending acts and forms","Intermediate/later definition/filing amendments and form-error resolution."],["Q06","ADTPA remedies","Selected 2017/2021 enactments and mirror","Complete current chain and applicable exemptions/defenses."],["Q07","Frozen CRA definition","Official historical routes failed","Authoritative January1,2017 incorporated text."],["Q08","Federal currency","OLRC/eCFR cutoffs disclosed","Any material later change; full applicable agency/jurisdiction chain."],["Q09","Judicial treatment","Material majorities/separates read","Complete current citator and responsive state construction."]]},{"headers":["Row","Model","Completed analysis","Remaining predicates"],"index":26,"links":[],"row_links":[[],[],[],[],[]],"rows":[["Row","Model","Completed analysis","Remaining predicates"],["M01","State-only versus federal","Security, receipt, unapplied balance and return distinguished.","Actual scope, exemption, service, channel and security."],["M02","Partial/full service and TSR","Proration inference rejected; both permissible event orders shown without180-day conversion.","Actual promised performance, qualifying report and timing."],["M03","Cancellation and return","Nonboundary notice/receipt/return ledger reconciled.","Actual right, notice method, receipt and outer deadline law."],["M04","Mixed service/security/principal","Alternative legal-integration assumptions and separate ledgers visible.","Valid divisibility, earning, refund and actual payment facts."]]},{"headers":["Row","Area","Exact remaining investigation"],"index":27,"links":[],"row_links":[[],[],[],[],[],[],[]],"rows":[["Row","Area","Exact remaining investigation"],["T01","Arkansas counties/municipalities","Any genuinely applicable adopted local business or procedural requirement; no county practice validated."],["T02","Remote/interstate services","Actual contacts, choice of law, territorial reach and enforcement jurisdiction."],["T03","Tribal nexus","Particular sovereign’s law, jurisdiction, immunity and federal interaction."],["T04","Institution/professional status","Actual charter, tax status, license, regulatory activity and affiliation; no individual query performed."],["T05","Actual consumer/contract","Loan status, service promises, purpose, price, signatures, delivery and cancellation evidence."],["T06","Actual security/accounts","Executed bond/trust, custodian, insurance, premium, collateral, receipts, returns and claims."]]},{"headers":["Row","Family","Remaining scope"],"index":28,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[]],"rows":[["Row","Family","Remaining scope"],["D01","Debt adjusting/settlement","Separate permission, fee, custody and service rules."],["D02","Collection credentials/conduct","No PASS-06/PASS-07 findings adopted."],["D03","Litigation/service/default/vacatur","Full court procedure and remedies."],["D04","Limitations/judgment enforcement","Original and judgment clocks, revival and collection remedies."],["D05","Wage/bank/property/homestead","Separate enforcement and exemption regimes."],["D06","Foreclosure/repossession/sector law","Secured and specialized debt rules."],["D07","Full surety/trust litigation","Coverage, defenses, priority, withdrawal, tracing and recovery."],["D08","Full arbitration/class/preemption/remedies","Only indispensable CompuCredit and statutory boundaries addressed."],["D09","State/parent acceptance","Complete Arkansas, parent, A066, A097 and A098 review remains open."]]},{"headers":["Reviewed foundation","This pass’s contribution","What remains unchanged"],"index":29,"links":[],"row_links":[[],[],[]],"rows":[["Reviewed foundation","This pass’s contribution","What remains unchanged"],["P01 row: “Credit-repair overlap.” Status: “Partial, boundary only.” Remaining: “Full credit-repair contract, enforcement, exemptions, federal CROA interaction.”","Investigates the state definition/exclusions, conditional security, disclosure/contract/cancellation/return provisions, limited remedies, and necessary federal integration.","No rewritten raw P01 history or full-state acceptance. Source, interpretation and actual-application holds remain."],["Reviewed P02 targeted correction: state bond and insured trust is not federal advance permission; CROA fully-performed condition and separate TSR timing; currentness and actual-entity holds.","Preserves that bounded distinction, freshly reads the material bodies, and expands only the previously remaining state component.","P02 was not treated as a completed CSO dossier. P04–P07 remain unreviewed and were not legal premises."]]}],"claims":[{"claim_id":"S_AR-P08-C001","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AR-P08-C001","Actor/predicate":"State credit-services analysis","Step or consequence":"Use enacted 2017 framework, not repealed1987 text.","Exact authority / limit":"S001 §1 and repeal §§2–10; S002. Current chain partial."},"coordinator_verification_status":"scoped_record_reconciled_selected_primary_dated_reuse_unreopened_application_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_AR-P08-C001","visible_original_claim_id":"S_AR-P08-C001","whole_original_record_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"explicit_cited_source_usage_numbers":[1,2],"source_ranges_expanded":[],"implicit_section202references_require_S001_S002_context_not_new_source_ids":true,"selected_source_presence_not_entire_claim_validation":true,"all_primary_claim_accepted":false,"all_original_exceptions_limits_and_holds_retained":true}},{"claim_id":"S_AR-P08-C002","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C002","Actor/predicate":"Claimed buyer","Step or consequence":"Establish received-loan and repayment predicates.","Exact authority / limit":"§202(a)(1), S001–S002. Prospective-only application held."},"coordinator_verification_status":"scoped_record_reconciled_selected_primary_dated_reuse_unreopened_application_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":{"previous_derived_claim_id":"S_AR-C002","canonical_pass_claim_id":"S_AR-P08-C002","original_visible_claim_id":"C002","reason":"Answer explicitly scopes shortened C references to S_AR-P08; task-only import prefix can collide with other passes. Researcher cell and area unchanged."},"coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_AR-P08-C002","visible_original_claim_id":"C002","whole_original_record_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"explicit_cited_source_usage_numbers":[1,2],"source_ranges_expanded":[[1,2]],"implicit_section202references_require_S001_S002_context_not_new_source_ids":true,"selected_source_presence_not_entire_claim_validation":true,"all_primary_claim_accepted":false,"all_original_exceptions_limits_and_holds_retained":true}},{"claim_id":"S_AR-P08-C003","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C003","Actor/predicate":"Claimed consumer","Step or consequence":"Individual solicited or purchasing services.","Exact authority / limit":"§202(a)(2). Not identical to buyer."},"coordinator_verification_status":"scoped_record_reconciled_selected_primary_dated_reuse_unreopened_application_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":{"previous_derived_claim_id":"S_AR-C003","canonical_pass_claim_id":"S_AR-P08-C003","original_visible_claim_id":"C003","reason":"Answer explicitly scopes shortened C references to S_AR-P08; task-only import prefix can collide with other passes. Researcher cell and area unchanged."},"coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_AR-P08-C003","visible_original_claim_id":"C003","whole_original_record_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"explicit_cited_source_usage_numbers":[],"source_ranges_expanded":[],"implicit_section202references_require_S001_S002_context_not_new_source_ids":true,"selected_source_presence_not_entire_claim_validation":true,"all_primary_claim_accepted":false,"all_original_exceptions_limits_and_holds_retained":true}},{"claim_id":"S_AR-P08-C004","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C004","Actor/predicate":"Provider sells/represents listed services","Step or consequence":"Consideration and credit-by-others predicates matter.","Exact authority / limit":"§202(a)(3)(A)(i)–(v)."},"coordinator_verification_status":"scoped_record_reconciled_selected_primary_dated_reuse_unreopened_application_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":{"previous_derived_claim_id":"S_AR-C004","canonical_pass_claim_id":"S_AR-P08-C004","original_visible_claim_id":"C004","reason":"Answer explicitly scopes shortened C references to S_AR-P08; task-only import prefix can collide with other passes. Researcher cell and area unchanged."},"coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_AR-P08-C004","visible_original_claim_id":"C004","whole_original_record_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"explicit_cited_source_usage_numbers":[],"source_ranges_expanded":[],"implicit_section202references_require_S001_S002_context_not_new_source_ids":true,"selected_source_presence_not_entire_claim_validation":true,"all_primary_claim_accepted":false,"all_original_exceptions_limits_and_holds_retained":true}},{"claim_id":"S_AR-P08-C005","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C005","Actor/predicate":"Credit transaction classified","Step or consequence":"Apply primarily personal/family/household definition.","Exact authority / limit":"§202(a)(4); actual mixed-purpose facts held."},"coordinator_verification_status":"scoped_record_reconciled_selected_primary_dated_reuse_unreopened_application_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":{"previous_derived_claim_id":"S_AR-C005","canonical_pass_claim_id":"S_AR-P08-C005","original_visible_claim_id":"C005","reason":"Answer explicitly scopes shortened C references to S_AR-P08; task-only import prefix can collide with other passes. Researcher cell and area unchanged."},"coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_AR-P08-C005","visible_original_claim_id":"C005","whole_original_record_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"explicit_cited_source_usage_numbers":[],"source_ranges_expanded":[],"implicit_section202references_require_S001_S002_context_not_new_source_ids":true,"selected_source_presence_not_entire_claim_validation":true,"all_primary_claim_accepted":false,"all_original_exceptions_limits_and_holds_retained":true}},{"claim_id":"S_AR-P08-C006","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C006","Actor/predicate":"Provider relies on label or no completed work","Step or consequence":"Represented future service can satisfy service predicate.","Exact authority / limit":"§202(a)(3)(A). Actual representations required."},"coordinator_verification_status":"scoped_record_reconciled_selected_primary_dated_reuse_unreopened_application_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":{"previous_derived_claim_id":"S_AR-C006","canonical_pass_claim_id":"S_AR-P08-C006","original_visible_claim_id":"C006","reason":"Answer explicitly scopes shortened C references to S_AR-P08; task-only import prefix can collide with other passes. Researcher cell and area unchanged."},"coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_AR-P08-C006","visible_original_claim_id":"C006","whole_original_record_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"explicit_cited_source_usage_numbers":[],"source_ranges_expanded":[],"implicit_section202references_require_S001_S002_context_not_new_source_ids":true,"selected_source_presence_not_entire_claim_validation":true,"all_primary_claim_accepted":false,"all_original_exceptions_limits_and_holds_retained":true}},{"claim_id":"S_AR-P08-C007","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C007","Actor/predicate":"Monitoring/education service","Step or consequence":"Test promised advice/improvement, not label alone.","Exact authority / limit":"§202(a)(3); S041 comparison."},"coordinator_verification_status":"scoped_record_reconciled_selected_primary_dated_reuse_unreopened_application_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":{"previous_derived_claim_id":"S_AR-C007","canonical_pass_claim_id":"S_AR-P08-C007","original_visible_claim_id":"C007","reason":"Answer explicitly scopes shortened C references to S_AR-P08; task-only import prefix can collide with other passes. Researcher cell and area unchanged."},"coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_AR-P08-C007","visible_original_claim_id":"C007","whole_original_record_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"explicit_cited_source_usage_numbers":[41],"source_ranges_expanded":[],"implicit_section202references_require_S001_S002_context_not_new_source_ids":true,"selected_source_presence_not_entire_claim_validation":true,"all_primary_claim_accepted":false,"all_original_exceptions_limits_and_holds_retained":true}},{"claim_id":"S_AR-P08-C008","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C008","Actor/predicate":"Credit-obtaining/referral/negotiation","Step or consequence":"Apply actual listed function and fee restrictions.","Exact authority / limit":"§202(a)(3)(A), (e)(2)."},"coordinator_verification_status":"scoped_record_reconciled_selected_primary_dated_reuse_unreopened_application_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":{"previous_derived_claim_id":"S_AR-C008","canonical_pass_claim_id":"S_AR-P08-C008","original_visible_claim_id":"C008","reason":"Answer explicitly scopes shortened C references to S_AR-P08; task-only import prefix can collide with other passes. Researcher cell and area unchanged."},"coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_AR-P08-C008","visible_original_claim_id":"C008","whole_original_record_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"explicit_cited_source_usage_numbers":[],"source_ranges_expanded":[],"implicit_section202references_require_S001_S002_context_not_new_source_ids":true,"selected_source_presence_not_entire_claim_validation":true,"all_primary_claim_accepted":false,"all_original_exceptions_limits_and_holds_retained":true}},{"claim_id":"S_AR-P08-C009","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C009","Actor/predicate":"Remote provider","Step or consequence":"No complete CSO territorial safe harbor established.","Exact authority / limit":"§202(d)(1)(F); S011(d); actual nexus held."},"coordinator_verification_status":"scoped_record_reconciled_selected_primary_dated_reuse_unreopened_application_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":{"previous_derived_claim_id":"S_AR-C009","canonical_pass_claim_id":"S_AR-P08-C009","original_visible_claim_id":"C009","reason":"Answer explicitly scopes shortened C references to S_AR-P08; task-only import prefix can collide with other passes. Researcher cell and area unchanged."},"coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_AR-P08-C009","visible_original_claim_id":"C009","whole_original_record_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"explicit_cited_source_usage_numbers":[11],"source_ranges_expanded":[],"implicit_section202references_require_S001_S002_context_not_new_source_ids":true,"selected_source_presence_not_entire_claim_validation":true,"all_primary_claim_accepted":false,"all_original_exceptions_limits_and_holds_retained":true}},{"claim_id":"S_AR-P08-C010","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C010","Actor/predicate":"Lender claims exclusion","Step or consequence":"Authorization plus supervision/HUD condition.","Exact authority / limit":"§202(a)(3)(B)(i); incorporated approval framework partial."},"coordinator_verification_status":"scoped_record_reconciled_selected_primary_dated_reuse_unreopened_application_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":{"previous_derived_claim_id":"S_AR-C010","canonical_pass_claim_id":"S_AR-P08-C010","original_visible_claim_id":"C010","reason":"Answer explicitly scopes shortened C references to S_AR-P08; task-only import prefix can collide with other passes. Researcher cell and area unchanged."},"coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_AR-P08-C010","visible_original_claim_id":"C010","whole_original_record_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"explicit_cited_source_usage_numbers":[],"source_ranges_expanded":[],"implicit_section202references_require_S001_S002_context_not_new_source_ids":true,"selected_source_presence_not_entire_claim_validation":true,"all_primary_claim_accepted":false,"all_original_exceptions_limits_and_holds_retained":true}},{"claim_id":"S_AR-P08-C011","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C011","Actor/predicate":"Financial institution/operating subsidiary","Step or consequence":"Establish listed status, authorization and insurance language.","Exact authority / limit":"§202(a)(3)(B)(ii). Affiliate syntax/application held."},"coordinator_verification_status":"scoped_record_reconciled_selected_primary_dated_reuse_unreopened_application_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":{"previous_derived_claim_id":"S_AR-C011","canonical_pass_claim_id":"S_AR-P08-C011","original_visible_claim_id":"C011","reason":"Answer explicitly scopes shortened C references to S_AR-P08; task-only import prefix can collide with other passes. Researcher cell and area unchanged."},"coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_AR-P08-C011","visible_original_claim_id":"C011","whole_original_record_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"explicit_cited_source_usage_numbers":[],"source_ranges_expanded":[],"implicit_section202references_require_S001_S002_context_not_new_source_ids":true,"selected_source_presence_not_entire_claim_validation":true,"all_primary_claim_accepted":false,"all_original_exceptions_limits_and_holds_retained":true}},{"claim_id":"S_AR-P08-C012","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C012","Actor/predicate":"Nonprofit corporation","Step or consequence":"Establish qualifying §501(c)(3) condition.","Exact authority / limit":"§202(a)(3)(B)(iii); S027. No actual tax-status finding."},"coordinator_verification_status":"scoped_record_reconciled_selected_primary_dated_reuse_unreopened_application_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":{"previous_derived_claim_id":"S_AR-C012","canonical_pass_claim_id":"S_AR-P08-C012","original_visible_claim_id":"C012","reason":"Answer explicitly scopes shortened C references to S_AR-P08; task-only import prefix can collide with other passes. Researcher cell and area unchanged."},"coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_AR-P08-C012","visible_original_claim_id":"C012","whole_original_record_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"explicit_cited_source_usage_numbers":[27],"source_ranges_expanded":[],"implicit_section202references_require_S001_S002_context_not_new_source_ids":true,"selected_source_presence_not_entire_claim_validation":true,"all_primary_claim_accepted":false,"all_original_exceptions_limits_and_holds_retained":true}},{"claim_id":"S_AR-P08-C013","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C013","Actor/predicate":"Real-estate licensee","Step or consequence":"Activity must be within stated regulatory scope.","Exact authority / limit":"§202(a)(3)(B)(iv)."},"coordinator_verification_status":"scoped_record_reconciled_selected_primary_dated_reuse_unreopened_application_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":{"previous_derived_claim_id":"S_AR-C013","canonical_pass_claim_id":"S_AR-P08-C013","original_visible_claim_id":"C013","reason":"Answer explicitly scopes shortened C references to S_AR-P08; task-only import prefix can collide with other passes. Researcher cell and area unchanged."},"coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_AR-P08-C013","visible_original_claim_id":"C013","whole_original_record_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"explicit_cited_source_usage_numbers":[],"source_ranges_expanded":[],"implicit_section202references_require_S001_S002_context_not_new_source_ids":true,"selected_source_presence_not_entire_claim_validation":true,"all_primary_claim_accepted":false,"all_original_exceptions_limits_and_holds_retained":true}},{"claim_id":"S_AR-P08-C014","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C014","Actor/predicate":"Collection licensee","Step or consequence":"Activity must be subject to Board regulation.","Exact authority / limit":"§202(a)(3)(B)(v). No license-to-repair inference."},"coordinator_verification_status":"scoped_record_reconciled_selected_primary_dated_reuse_unreopened_application_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":{"previous_derived_claim_id":"S_AR-C014","canonical_pass_claim_id":"S_AR-P08-C014","original_visible_claim_id":"C014","reason":"Answer explicitly scopes shortened C references to S_AR-P08; task-only import prefix can collide with other passes. Researcher cell and area unchanged."},"coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_AR-P08-C014","visible_original_claim_id":"C014","whole_original_record_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"explicit_cited_source_usage_numbers":[],"source_ranges_expanded":[],"implicit_section202references_require_S001_S002_context_not_new_source_ids":true,"selected_source_presence_not_entire_claim_validation":true,"all_primary_claim_accepted":false,"all_original_exceptions_limits_and_holds_retained":true}},{"claim_id":"S_AR-P08-C015","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C015","Actor/predicate":"Attorney","Step or consequence":"Arkansas license, client legal services and ancillary conduct required.","Exact authority / limit":"§202(a)(3)(B)(vi)."},"coordinator_verification_status":"scoped_record_reconciled_selected_primary_dated_reuse_unreopened_application_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":{"previous_derived_claim_id":"S_AR-C015","canonical_pass_claim_id":"S_AR-P08-C015","original_visible_claim_id":"C015","reason":"Answer explicitly scopes shortened C references to S_AR-P08; task-only import prefix can collide with other passes. Researcher cell and area unchanged."},"coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_AR-P08-C015","visible_original_claim_id":"C015","whole_original_record_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"explicit_cited_source_usage_numbers":[],"source_ranges_expanded":[],"implicit_section202references_require_S001_S002_context_not_new_source_ids":true,"selected_source_presence_not_entire_claim_validation":true,"all_primary_claim_accepted":false,"all_original_exceptions_limits_and_holds_retained":true}},{"claim_id":"S_AR-P08-C016","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C016","Actor/predicate":"Securities/commodities actor","Step or consequence":"Establish listed registration/regulation and activity.","Exact authority / limit":"§202(a)(3)(B)(vii). Downstream license statutes held."},"coordinator_verification_status":"scoped_record_reconciled_selected_primary_dated_reuse_unreopened_application_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":{"previous_derived_claim_id":"S_AR-C016","canonical_pass_claim_id":"S_AR-P08-C016","original_visible_claim_id":"C016","reason":"Answer explicitly scopes shortened C references to S_AR-P08; task-only import prefix can collide with other passes. Researcher cell and area unchanged."},"coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_AR-P08-C016","visible_original_claim_id":"C016","whole_original_record_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"explicit_cited_source_usage_numbers":[],"source_ranges_expanded":[],"implicit_section202references_require_S001_S002_context_not_new_source_ids":true,"selected_source_presence_not_entire_claim_validation":true,"all_primary_claim_accepted":false,"all_original_exceptions_limits_and_holds_retained":true}},{"claim_id":"S_AR-P08-C017","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C017","Actor/predicate":"Reporting agency","Step or consequence":"Apply frozen January1,2017 §1681a(f).","Exact authority / limit":"§202(a)(3)(B)(viii); S031/S042. Historical body held."},"coordinator_verification_status":"scoped_record_reconciled_selected_primary_dated_reuse_unreopened_application_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":{"previous_derived_claim_id":"S_AR-C017","canonical_pass_claim_id":"S_AR-P08-C017","original_visible_claim_id":"C017","reason":"Answer explicitly scopes shortened C references to S_AR-P08; task-only import prefix can collide with other passes. Researcher cell and area unchanged."},"coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_AR-P08-C017","visible_original_claim_id":"C017","whole_original_record_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"explicit_cited_source_usage_numbers":[31,42],"source_ranges_expanded":[],"implicit_section202references_require_S001_S002_context_not_new_source_ids":true,"selected_source_presence_not_entire_claim_validation":true,"all_primary_claim_accepted":false,"all_original_exceptions_limits_and_holds_retained":true}},{"claim_id":"S_AR-P08-C018","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C018","Actor/predicate":"Sales staff/contractor","Step or consequence":"No generic employee exclusion; specified actors addressed in prohibited acts.","Exact authority / limit":"§202(e). Old §106 employee sentence repealed."},"coordinator_verification_status":"scoped_record_reconciled_selected_primary_dated_reuse_unreopened_application_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":{"previous_derived_claim_id":"S_AR-C018","canonical_pass_claim_id":"S_AR-P08-C018","original_visible_claim_id":"C018","reason":"Answer explicitly scopes shortened C references to S_AR-P08; task-only import prefix can collide with other passes. Researcher cell and area unchanged."},"coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_AR-P08-C018","visible_original_claim_id":"C018","whole_original_record_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"explicit_cited_source_usage_numbers":[],"source_ranges_expanded":[],"implicit_section202references_require_S001_S002_context_not_new_source_ids":true,"selected_source_presence_not_entire_claim_validation":true,"all_primary_claim_accepted":false,"all_original_exceptions_limits_and_holds_retained":true}},{"claim_id":"S_AR-P08-C019","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C019","Actor/predicate":"Exemption claimant","Step or consequence":"Bears state burden in proceedings under subchapter.","Exact authority / limit":"§202(g). Not imported as universal federal burden."},"coordinator_verification_status":"scoped_record_reconciled_selected_primary_dated_reuse_unreopened_application_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":{"previous_derived_claim_id":"S_AR-C019","canonical_pass_claim_id":"S_AR-P08-C019","original_visible_claim_id":"C019","reason":"Answer explicitly scopes shortened C references to S_AR-P08; task-only import prefix can collide with other passes. Researcher cell and area unchanged."},"coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_AR-P08-C019","visible_original_claim_id":"C019","whole_original_record_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"explicit_cited_source_usage_numbers":[],"source_ranges_expanded":[],"implicit_section202references_require_S001_S002_context_not_new_source_ids":true,"selected_source_presence_not_entire_claim_validation":true,"all_primary_claim_accepted":false,"all_original_exceptions_limits_and_holds_retained":true}},{"claim_id":"S_AR-P08-C020","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C020","Actor/predicate":"Provider seeks CSO credential","Step or consequence":"No dedicated §202 registration-grant mechanism established.","Exact authority / limit":"S001–S003; bounded source scope."},"coordinator_verification_status":"scoped_record_reconciled_selected_primary_dated_reuse_unreopened_application_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":{"previous_derived_claim_id":"S_AR-C020","canonical_pass_claim_id":"S_AR-P08-C020","original_visible_claim_id":"C020","reason":"Answer explicitly scopes shortened C references to S_AR-P08; task-only import prefix can collide with other passes. Researcher cell and area unchanged."},"coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_AR-P08-C020","visible_original_claim_id":"C020","whole_original_record_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"explicit_cited_source_usage_numbers":[1,2,3],"source_ranges_expanded":[[1,3]],"implicit_section202references_require_S001_S002_context_not_new_source_ids":true,"selected_source_presence_not_entire_claim_validation":true,"all_primary_claim_accepted":false,"all_original_exceptions_limits_and_holds_retained":true}},{"claim_id":"S_AR-P08-C021","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C021","Actor/predicate":"Cost/renewal estimate","Step or consequence":"CSO-specific government fee/term/location cycle unverified.","Exact authority / limit":"Same; unknown not zero, other regimes separate."},"coordinator_verification_status":"scoped_record_reconciled_selected_primary_dated_reuse_unreopened_application_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":{"previous_derived_claim_id":"S_AR-C021","canonical_pass_claim_id":"S_AR-P08-C021","original_visible_claim_id":"C021","reason":"Answer explicitly scopes shortened C references to S_AR-P08; task-only import prefix can collide with other passes. Researcher cell and area unchanged."},"coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_AR-P08-C021","visible_original_claim_id":"C021","whole_original_record_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"explicit_cited_source_usage_numbers":[],"source_ranges_expanded":[],"implicit_section202references_require_S001_S002_context_not_new_source_ids":true,"selected_source_presence_not_entire_claim_validation":true,"all_primary_claim_accepted":false,"all_original_exceptions_limits_and_holds_retained":true}},{"claim_id":"S_AR-P08-C022","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C022","Actor/predicate":"Provider invokes state advance exception","Step or consequence":"Obtain bond and establish qualifying trust.","Exact authority / limit":"§202(e)(1)(A)–(B)."},"coordinator_verification_status":"scoped_record_reconciled_selected_primary_dated_reuse_unreopened_application_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":{"previous_derived_claim_id":"S_AR-C022","canonical_pass_claim_id":"S_AR-P08-C022","original_visible_claim_id":"C022","reason":"Answer explicitly scopes shortened C references to S_AR-P08; task-only import prefix can collide with other passes. Researcher cell and area unchanged."},"coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_AR-P08-C022","visible_original_claim_id":"C022","whole_original_record_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"explicit_cited_source_usage_numbers":[],"source_ranges_expanded":[],"implicit_section202references_require_S001_S002_context_not_new_source_ids":true,"selected_source_presence_not_entire_claim_validation":true,"all_primary_claim_accepted":false,"all_original_exceptions_limits_and_holds_retained":true}},{"claim_id":"S_AR-P08-C023","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C023","Actor/predicate":"Bond obtained","Step or consequence":"$10,000; surety authorized to do business in Arkansas.","Exact authority / limit":"§202(e)(1)(A). Exact accepted instrument held."},"coordinator_verification_status":"scoped_record_reconciled_selected_primary_dated_reuse_unreopened_application_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":{"previous_derived_claim_id":"S_AR-C023","canonical_pass_claim_id":"S_AR-P08-C023","original_visible_claim_id":"C023","reason":"Answer explicitly scopes shortened C references to S_AR-P08; task-only import prefix can collide with other passes. Researcher cell and area unchanged."},"coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_AR-P08-C023","visible_original_claim_id":"C023","whole_original_record_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"explicit_cited_source_usage_numbers":[],"source_ranges_expanded":[],"implicit_section202references_require_S001_S002_context_not_new_source_ids":true,"selected_source_presence_not_entire_claim_validation":true,"all_primary_claim_accepted":false,"all_original_exceptions_limits_and_holds_retained":true}},{"claim_id":"S_AR-P08-C024","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C024","Actor/predicate":"Trust established","Step or consequence":"Stated Arkansas institution and federal insurance conditions.","Exact authority / limit":"§202(e)(1)(B)."},"coordinator_verification_status":"scoped_record_reconciled_selected_primary_dated_reuse_unreopened_application_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":{"previous_derived_claim_id":"S_AR-C024","canonical_pass_claim_id":"S_AR-P08-C024","original_visible_claim_id":"C024","reason":"Answer explicitly scopes shortened C references to S_AR-P08; task-only import prefix can collide with other passes. Researcher cell and area unchanged."},"coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_AR-P08-C024","visible_original_claim_id":"C024","whole_original_record_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"explicit_cited_source_usage_numbers":[],"source_ranges_expanded":[],"implicit_section202references_require_S001_S002_context_not_new_source_ids":true,"selected_source_presence_not_entire_claim_validation":true,"all_primary_claim_accepted":false,"all_original_exceptions_limits_and_holds_retained":true}},{"claim_id":"S_AR-P08-C025","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C025","Actor/predicate":"Provider handles trust funds","Step or consequence":"No minimum balance, withdrawal or reconciliation method established from §202.","Exact authority / limit":"Operative-section limitation; full trust law held."},"coordinator_verification_status":"scoped_record_reconciled_selected_primary_dated_reuse_unreopened_application_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":{"previous_derived_claim_id":"S_AR-C025","canonical_pass_claim_id":"S_AR-P08-C025","original_visible_claim_id":"C025","reason":"Answer explicitly scopes shortened C references to S_AR-P08; task-only import prefix can collide with other passes. Researcher cell and area unchanged."},"coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_AR-P08-C025","visible_original_claim_id":"C025","whole_original_record_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"explicit_cited_source_usage_numbers":[],"source_ranges_expanded":[],"implicit_section202references_require_S001_S002_context_not_new_source_ids":true,"selected_source_presence_not_entire_claim_validation":true,"all_primary_claim_accepted":false,"all_original_exceptions_limits_and_holds_retained":true}},{"claim_id":"S_AR-P08-C026","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C026","Actor/predicate":"Security cost calculated","Step or consequence":"Penal sum is not premium, collateral or customer fee.","Exact authority / limit":"§202(e)(1); no pricing quote supplied."},"coordinator_verification_status":"scoped_record_reconciled_selected_primary_dated_reuse_unreopened_application_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":{"previous_derived_claim_id":"S_AR-C026","canonical_pass_claim_id":"S_AR-P08-C026","original_visible_claim_id":"C026","reason":"Answer explicitly scopes shortened C references to S_AR-P08; task-only import prefix can collide with other passes. Researcher cell and area unchanged."},"coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_AR-P08-C026","visible_original_claim_id":"C026","whole_original_record_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"explicit_cited_source_usage_numbers":[],"source_ranges_expanded":[],"implicit_section202references_require_S001_S002_context_not_new_source_ids":true,"selected_source_presence_not_entire_claim_validation":true,"all_primary_claim_accepted":false,"all_original_exceptions_limits_and_holds_retained":true}},{"claim_id":"S_AR-P08-C027","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C027","Actor/predicate":"Security disclosure drafted","Step or consequence":"Disclosure “or” does not repeal payment-condition “and.”","Exact authority / limit":"§202(c)(1)(F)–(G), (e)(1)."},"coordinator_verification_status":"scoped_record_reconciled_selected_primary_dated_reuse_unreopened_application_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":{"previous_derived_claim_id":"S_AR-C027","canonical_pass_claim_id":"S_AR-P08-C027","original_visible_claim_id":"C027","reason":"Answer explicitly scopes shortened C references to S_AR-P08; task-only import prefix can collide with other passes. Researcher cell and area unchanged."},"coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_AR-P08-C027","visible_original_claim_id":"C027","whole_original_record_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"explicit_cited_source_usage_numbers":[],"source_ranges_expanded":[],"implicit_section202references_require_S001_S002_context_not_new_source_ids":true,"selected_source_presence_not_entire_claim_validation":true,"all_primary_claim_accepted":false,"all_original_exceptions_limits_and_holds_retained":true}},{"claim_id":"S_AR-P08-C028","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C028","Actor/predicate":"Buyer considers security claim","Step or consequence":"Disclosed right exists; full beneficiary/instrument/process unresolved.","Exact authority / limit":"§202(c)(1)(F)–(G); no award assumed."},"coordinator_verification_status":"scoped_record_reconciled_selected_primary_dated_reuse_unreopened_application_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":{"previous_derived_claim_id":"S_AR-C028","canonical_pass_claim_id":"S_AR-P08-C028","original_visible_claim_id":"C028","reason":"Answer explicitly scopes shortened C references to S_AR-P08; task-only import prefix can collide with other passes. Researcher cell and area unchanged."},"coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_AR-P08-C028","visible_original_claim_id":"C028","whole_original_record_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"explicit_cited_source_usage_numbers":[],"source_ranges_expanded":[],"implicit_section202references_require_S001_S002_context_not_new_source_ids":true,"selected_source_presence_not_entire_claim_validation":true,"all_primary_claim_accepted":false,"all_original_exceptions_limits_and_holds_retained":true}},{"claim_id":"S_AR-P08-C029","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C029","Actor/predicate":"Covered provider charges/receives","Step or consequence":"Complete agreed performance required absent state exception.","Exact authority / limit":"§202(e)(1). Federal law independent."},"coordinator_verification_status":"scoped_record_reconciled_selected_primary_dated_reuse_unreopened_application_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":{"previous_derived_claim_id":"S_AR-C029","canonical_pass_claim_id":"S_AR-P08-C029","original_visible_claim_id":"C029","reason":"Answer explicitly scopes shortened C references to S_AR-P08; task-only import prefix can collide with other passes. Researcher cell and area unchanged."},"coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_AR-P08-C029","visible_original_claim_id":"C029","whole_original_record_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"explicit_cited_source_usage_numbers":[],"source_ranges_expanded":[],"implicit_section202references_require_S001_S002_context_not_new_source_ids":true,"selected_source_presence_not_entire_claim_validation":true,"all_primary_claim_accepted":false,"all_original_exceptions_limits_and_holds_retained":true}},{"claim_id":"S_AR-P08-C030","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C030","Actor/predicate":"Partial service/installment","Step or consequence":"Proration or relabeling does not itself establish lawful earning.","Exact authority / limit":"§202(e)(1); S019(b). Divisibility held."},"coordinator_verification_status":"scoped_record_reconciled_selected_primary_dated_reuse_unreopened_application_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":{"previous_derived_claim_id":"S_AR-C030","canonical_pass_claim_id":"S_AR-P08-C030","original_visible_claim_id":"C030","reason":"Answer explicitly scopes shortened C references to S_AR-P08; task-only import prefix can collide with other passes. Researcher cell and area unchanged."},"coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_AR-P08-C030","visible_original_claim_id":"C030","whole_original_record_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"explicit_cited_source_usage_numbers":[19],"source_ranges_expanded":[],"implicit_section202references_require_S001_S002_context_not_new_source_ids":true,"selected_source_presence_not_entire_claim_validation":true,"all_primary_claim_accepted":false,"all_original_exceptions_limits_and_holds_retained":true}},{"claim_id":"S_AR-P08-C031","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C031","Actor/predicate":"Service price selected","Step or consequence":"No general numeric service-price cap established in §202.","Exact authority / limit":"Entire §202; not all-law permission."},"coordinator_verification_status":"scoped_record_reconciled_selected_primary_dated_reuse_unreopened_application_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":{"previous_derived_claim_id":"S_AR-C031","canonical_pass_claim_id":"S_AR-P08-C031","original_visible_claim_id":"C031","reason":"Answer explicitly scopes shortened C references to S_AR-P08; task-only import prefix can collide with other passes. Researcher cell and area unchanged."},"coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_AR-P08-C031","visible_original_claim_id":"C031","whole_original_record_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"explicit_cited_source_usage_numbers":[],"source_ranges_expanded":[],"implicit_section202references_require_S001_S002_context_not_new_source_ids":true,"selected_source_presence_not_entire_claim_validation":true,"all_primary_claim_accepted":false,"all_original_exceptions_limits_and_holds_retained":true}},{"claim_id":"S_AR-P08-C032","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C032","Actor/predicate":"Sole referral fee","Step or consequence":"Prohibited for specified generally available lender terms.","Exact authority / limit":"§202(e)(2). Actual substantive service/terms required."},"coordinator_verification_status":"scoped_record_reconciled_selected_primary_dated_reuse_unreopened_application_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":{"previous_derived_claim_id":"S_AR-C032","canonical_pass_claim_id":"S_AR-P08-C032","original_visible_claim_id":"C032","reason":"Answer explicitly scopes shortened C references to S_AR-P08; task-only import prefix can collide with other passes. Researcher cell and area unchanged."},"coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_AR-P08-C032","visible_original_claim_id":"C032","whole_original_record_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"explicit_cited_source_usage_numbers":[],"source_ranges_expanded":[],"implicit_section202references_require_S001_S002_context_not_new_source_ids":true,"selected_source_presence_not_entire_claim_validation":true,"all_primary_claim_accepted":false,"all_original_exceptions_limits_and_holds_retained":true}},{"claim_id":"S_AR-P08-C033","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C033","Actor/predicate":"Loan obtained under section","Step or consequence":"Apply §4-57-104; specified excess provider amounts count as interest.","Exact authority / limit":"§202(b); S005–S006."},"coordinator_verification_status":"scoped_record_reconciled_selected_primary_dated_reuse_unreopened_application_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":{"previous_derived_claim_id":"S_AR-C033","canonical_pass_claim_id":"S_AR-P08-C033","original_visible_claim_id":"C033","reason":"Answer explicitly scopes shortened C references to S_AR-P08; task-only import prefix can collide with other passes. Researcher cell and area unchanged."},"coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_AR-P08-C033","visible_original_claim_id":"C033","whole_original_record_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"explicit_cited_source_usage_numbers":[5,6],"source_ranges_expanded":[[5,6]],"implicit_section202references_require_S001_S002_context_not_new_source_ids":true,"selected_source_presence_not_entire_claim_validation":true,"all_primary_claim_accepted":false,"all_original_exceptions_limits_and_holds_retained":true}},{"claim_id":"S_AR-P08-C034","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C034","Actor/predicate":"Loan-interest ceiling applied","Step or consequence":"Amendment89 categories/federal exceptions must be established.","Exact authority / limit":"S007 §§2–3,5–6. Not general repair-fee percentage."},"coordinator_verification_status":"scoped_record_reconciled_selected_primary_dated_reuse_unreopened_application_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":{"previous_derived_claim_id":"S_AR-C034","canonical_pass_claim_id":"S_AR-P08-C034","original_visible_claim_id":"C034","reason":"Answer explicitly scopes shortened C references to S_AR-P08; task-only import prefix can collide with other passes. Researcher cell and area unchanged."},"coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_AR-P08-C034","visible_original_claim_id":"C034","whole_original_record_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"explicit_cited_source_usage_numbers":[7],"source_ranges_expanded":[],"implicit_section202references_require_S001_S002_context_not_new_source_ids":true,"selected_source_presence_not_entire_claim_validation":true,"all_primary_claim_accepted":false,"all_original_exceptions_limits_and_holds_retained":true}},{"claim_id":"S_AR-P08-C035","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C035","Actor/predicate":"Before contract/payment","Trigger, step, consequence":"State written statement before whichever occurs first.","Exact authority / limit":"§202(c)(1)."},"coordinator_verification_status":"scoped_record_reconciled_selected_primary_dated_reuse_unreopened_application_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":{"previous_derived_claim_id":"S_AR-C035","canonical_pass_claim_id":"S_AR-P08-C035","original_visible_claim_id":"C035","reason":"Answer explicitly scopes shortened C references to S_AR-P08; task-only import prefix can collide with other passes. Researcher cell and area unchanged."},"coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_AR-P08-C035","visible_original_claim_id":"C035","whole_original_record_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"explicit_cited_source_usage_numbers":[],"source_ranges_expanded":[],"implicit_section202references_require_S001_S002_context_not_new_source_ids":true,"selected_source_presence_not_entire_claim_validation":true,"all_primary_claim_accepted":false,"all_original_exceptions_limits_and_holds_retained":true}},{"claim_id":"S_AR-P08-C036","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C036","Actor/predicate":"Statement prepared","Trigger, step, consequence":"File/dispute rights, price/services and security information required.","Exact authority / limit":"§202(c)(1)(A)–(G)."},"coordinator_verification_status":"scoped_record_reconciled_selected_primary_dated_reuse_unreopened_application_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":{"previous_derived_claim_id":"S_AR-C036","canonical_pass_claim_id":"S_AR-P08-C036","original_visible_claim_id":"C036","reason":"Answer explicitly scopes shortened C references to S_AR-P08; task-only import prefix can collide with other passes. Researcher cell and area unchanged."},"coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_AR-P08-C036","visible_original_claim_id":"C036","whole_original_record_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"explicit_cited_source_usage_numbers":[],"source_ranges_expanded":[],"implicit_section202references_require_S001_S002_context_not_new_source_ids":true,"selected_source_presence_not_entire_claim_validation":true,"all_primary_claim_accepted":false,"all_original_exceptions_limits_and_holds_retained":true}},{"claim_id":"S_AR-P08-C037","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C037","Actor/predicate":"Adverse-credit file disclosure","Trigger, step, consequence":"State thirty-day wording does not curtail federal sixty-day right.","Exact authority / limit":"§202(c)(1)(B); S032(b); S020(a)."},"coordinator_verification_status":"scoped_record_reconciled_selected_primary_dated_reuse_unreopened_application_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":{"previous_derived_claim_id":"S_AR-C037","canonical_pass_claim_id":"S_AR-P08-C037","original_visible_claim_id":"C037","reason":"Answer explicitly scopes shortened C references to S_AR-P08; task-only import prefix can collide with other passes. Researcher cell and area unchanged."},"coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_AR-P08-C037","visible_original_claim_id":"C037","whole_original_record_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"explicit_cited_source_usage_numbers":[20,32],"source_ranges_expanded":[],"implicit_section202references_require_S001_S002_context_not_new_source_ids":true,"selected_source_presence_not_entire_claim_validation":true,"all_primary_claim_accepted":false,"all_original_exceptions_limits_and_holds_retained":true}},{"claim_id":"S_AR-P08-C038","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C038","Actor/predicate":"Provider retains acknowledgment","Trigger, step, consequence":"Exact personally signed statement copy for two years.","Exact authority / limit":"§202(c)(2)."},"coordinator_verification_status":"scoped_record_reconciled_selected_primary_dated_reuse_unreopened_application_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":{"previous_derived_claim_id":"S_AR-C038","canonical_pass_claim_id":"S_AR-P08-C038","original_visible_claim_id":"C038","reason":"Answer explicitly scopes shortened C references to S_AR-P08; task-only import prefix can collide with other passes. Researcher cell and area unchanged."},"coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_AR-P08-C038","visible_original_claim_id":"C038","whole_original_record_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"explicit_cited_source_usage_numbers":[],"source_ranges_expanded":[],"implicit_section202references_require_S001_S002_context_not_new_source_ids":true,"selected_source_presence_not_entire_claim_validation":true,"all_primary_claim_accepted":false,"all_original_exceptions_limits_and_holds_retained":true}},{"claim_id":"S_AR-P08-C039","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C039","Actor/predicate":"Contract created","Trigger, step, consequence":"Written contract required; no finding unsigned contract valid.","Exact authority / limit":"§202(d)(1)(A), signature-related clauses."},"coordinator_verification_status":"scoped_record_reconciled_selected_primary_dated_reuse_unreopened_application_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":{"previous_derived_claim_id":"S_AR-C039","canonical_pass_claim_id":"S_AR-P08-C039","original_visible_claim_id":"C039","reason":"Answer explicitly scopes shortened C references to S_AR-P08; task-only import prefix can collide with other passes. Researcher cell and area unchanged."},"coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_AR-P08-C039","visible_original_claim_id":"C039","whole_original_record_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"explicit_cited_source_usage_numbers":[],"source_ranges_expanded":[],"implicit_section202references_require_S001_S002_context_not_new_source_ids":true,"selected_source_presence_not_entire_claim_validation":true,"all_primary_claim_accepted":false,"all_original_exceptions_limits_and_holds_retained":true}},{"claim_id":"S_AR-P08-C040","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C040","Actor/predicate":"Covered loan APR disclosed","Trigger, step, consequence":"Bold20-point Arial and1.5-point rectangle.","Exact authority / limit":"§202(d)(1)(B); S001 image."},"coordinator_verification_status":"scoped_record_reconciled_selected_primary_dated_reuse_unreopened_application_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":{"previous_derived_claim_id":"S_AR-C040","canonical_pass_claim_id":"S_AR-P08-C040","original_visible_claim_id":"C040","reason":"Answer explicitly scopes shortened C references to S_AR-P08; task-only import prefix can collide with other passes. Researcher cell and area unchanged."},"coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_AR-P08-C040","visible_original_claim_id":"C040","whole_original_record_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"explicit_cited_source_usage_numbers":[1],"source_ranges_expanded":[],"implicit_section202references_require_S001_S002_context_not_new_source_ids":true,"selected_source_presence_not_entire_claim_validation":true,"all_primary_claim_accepted":false,"all_original_exceptions_limits_and_holds_retained":true}},{"claim_id":"S_AR-P08-C041","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C041","Actor/predicate":"Payment terms disclosed","Trigger, step, consequence":"Include total payments to provider or others.","Exact authority / limit":"§202(d)(1)(D)."},"coordinator_verification_status":"scoped_record_reconciled_selected_primary_dated_reuse_unreopened_application_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":{"previous_derived_claim_id":"S_AR-C041","canonical_pass_claim_id":"S_AR-P08-C041","original_visible_claim_id":"C041","reason":"Answer explicitly scopes shortened C references to S_AR-P08; task-only import prefix can collide with other passes. Researcher cell and area unchanged."},"coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_AR-P08-C041","visible_original_claim_id":"C041","whole_original_record_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"explicit_cited_source_usage_numbers":[],"source_ranges_expanded":[],"implicit_section202references_require_S001_S002_context_not_new_source_ids":true,"selected_source_presence_not_entire_claim_validation":true,"all_primary_claim_accepted":false,"all_original_exceptions_limits_and_holds_retained":true}},{"claim_id":"S_AR-P08-C042","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C042","Actor/predicate":"Services/guarantees described","Trigger, step, consequence":"Include full service, refund promises and completion estimate.","Exact authority / limit":"§202(d)(1)(E)."},"coordinator_verification_status":"scoped_record_reconciled_selected_primary_dated_reuse_unreopened_application_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":{"previous_derived_claim_id":"S_AR-C042","canonical_pass_claim_id":"S_AR-P08-C042","original_visible_claim_id":"C042","reason":"Answer explicitly scopes shortened C references to S_AR-P08; task-only import prefix can collide with other passes. Researcher cell and area unchanged."},"coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_AR-P08-C042","visible_original_claim_id":"C042","whole_original_record_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"explicit_cited_source_usage_numbers":[],"source_ranges_expanded":[],"implicit_section202references_require_S001_S002_context_not_new_source_ids":true,"selected_source_presence_not_entire_claim_validation":true,"all_primary_claim_accepted":false,"all_original_exceptions_limits_and_holds_retained":true}},{"claim_id":"S_AR-P08-C043","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C043","Actor/predicate":"Business identified","Trigger, step, consequence":"Principal address plus Arkansas process agent.","Exact authority / limit":"§202(d)(1)(F). Not a jurisdiction determination."},"coordinator_verification_status":"scoped_record_reconciled_selected_primary_dated_reuse_unreopened_application_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":{"previous_derived_claim_id":"S_AR-C043","canonical_pass_claim_id":"S_AR-P08-C043","original_visible_claim_id":"C043","reason":"Answer explicitly scopes shortened C references to S_AR-P08; task-only import prefix can collide with other passes. Researcher cell and area unchanged."},"coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_AR-P08-C043","visible_original_claim_id":"C043","whole_original_record_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"explicit_cited_source_usage_numbers":[],"source_ranges_expanded":[],"implicit_section202references_require_S001_S002_context_not_new_source_ids":true,"selected_source_presence_not_entire_claim_validation":true,"all_primary_claim_accepted":false,"all_original_exceptions_limits_and_holds_retained":true}},{"claim_id":"S_AR-P08-C044","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C044","Actor/predicate":"Contract cancellation statement","Trigger, step, consequence":"Bold/conspicuous near signature; fifth-day-after-transaction wording.","Exact authority / limit":"§202(d)(1)(C)."},"coordinator_verification_status":"scoped_record_reconciled_selected_primary_dated_reuse_unreopened_application_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":{"previous_derived_claim_id":"S_AR-C044","canonical_pass_claim_id":"S_AR-P08-C044","original_visible_claim_id":"C044","reason":"Answer explicitly scopes shortened C references to S_AR-P08; task-only import prefix can collide with other passes. Researcher cell and area unchanged."},"coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_AR-P08-C044","visible_original_claim_id":"C044","whole_original_record_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"explicit_cited_source_usage_numbers":[],"source_ranges_expanded":[],"implicit_section202references_require_S001_S002_context_not_new_source_ids":true,"selected_source_presence_not_entire_claim_validation":true,"all_primary_claim_accepted":false,"all_original_exceptions_limits_and_holds_retained":true}},{"claim_id":"S_AR-P08-C045","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C045","Actor/predicate":"Cancellation form supplied","Trigger, step, consequence":"Completed duplicate, detachable, attached, bold and same language.","Exact authority / limit":"§202(d)(2)."},"coordinator_verification_status":"scoped_record_reconciled_selected_primary_dated_reuse_unreopened_application_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":{"previous_derived_claim_id":"S_AR-C045","canonical_pass_claim_id":"S_AR-P08-C045","original_visible_claim_id":"C045","reason":"Answer explicitly scopes shortened C references to S_AR-P08; task-only import prefix can collide with other passes. Researcher cell and area unchanged."},"coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_AR-P08-C045","visible_original_claim_id":"C045","whole_original_record_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"explicit_cited_source_usage_numbers":[],"source_ranges_expanded":[],"implicit_section202references_require_S001_S002_context_not_new_source_ids":true,"selected_source_presence_not_entire_claim_validation":true,"all_primary_claim_accepted":false,"all_original_exceptions_limits_and_holds_retained":true}},{"claim_id":"S_AR-P08-C046","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C046","Actor/predicate":"State copies furnished","Trigger, step, consequence":"New clause says at cancellation; federal copies separately due at signing.","Exact authority / limit":"§202(d)(3); S022(c); repealed clause distinguished."},"coordinator_verification_status":"scoped_record_reconciled_selected_primary_dated_reuse_unreopened_application_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":{"previous_derived_claim_id":"S_AR-C046","canonical_pass_claim_id":"S_AR-P08-C046","original_visible_claim_id":"C046","reason":"Answer explicitly scopes shortened C references to S_AR-P08; task-only import prefix can collide with other passes. Researcher cell and area unchanged."},"coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_AR-P08-C046","visible_original_claim_id":"C046","whole_original_record_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"explicit_cited_source_usage_numbers":[22],"source_ranges_expanded":[],"implicit_section202references_require_S001_S002_context_not_new_source_ids":true,"selected_source_presence_not_entire_claim_validation":true,"all_primary_claim_accepted":false,"all_original_exceptions_limits_and_holds_retained":true}},{"claim_id":"S_AR-P08-C047","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C047","Actor/predicate":"Seller receives timely cancellation","Trigger, step, consequence":"Required notice promises payments returned within ten days after receipt.","Exact authority / limit":"§202(d)(2). Actual notice/receipt facts absent."},"coordinator_verification_status":"scoped_record_reconciled_selected_primary_dated_reuse_unreopened_application_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":{"previous_derived_claim_id":"S_AR-C047","canonical_pass_claim_id":"S_AR-P08-C047","original_visible_claim_id":"C047","reason":"Answer explicitly scopes shortened C references to S_AR-P08; task-only import prefix can collide with other passes. Researcher cell and area unchanged."},"coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_AR-P08-C047","visible_original_claim_id":"C047","whole_original_record_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"explicit_cited_source_usage_numbers":[],"source_ranges_expanded":[],"implicit_section202references_require_S001_S002_context_not_new_source_ids":true,"selected_source_presence_not_entire_claim_validation":true,"all_primary_claim_accepted":false,"all_original_exceptions_limits_and_holds_retained":true}},{"claim_id":"S_AR-P08-C048","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C048","Actor/predicate":"Outer deadline calculated","Trigger, step, consequence":"Transaction/signing and calendar/business-day issues require harmonization.","Exact authority / limit":"§202(d); S021–S022. No live endpoint."},"coordinator_verification_status":"scoped_record_reconciled_selected_primary_dated_reuse_unreopened_application_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":{"previous_derived_claim_id":"S_AR-C048","canonical_pass_claim_id":"S_AR-P08-C048","original_visible_claim_id":"C048","reason":"Answer explicitly scopes shortened C references to S_AR-P08; task-only import prefix can collide with other passes. Researcher cell and area unchanged."},"coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_AR-P08-C048","visible_original_claim_id":"C048","whole_original_record_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"explicit_cited_source_usage_numbers":[21,22],"source_ranges_expanded":[[21,22]],"implicit_section202references_require_S001_S002_context_not_new_source_ids":true,"selected_source_presence_not_entire_claim_validation":true,"all_primary_claim_accepted":false,"all_original_exceptions_limits_and_holds_retained":true}},{"claim_id":"S_AR-P08-C049","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C049","Actor/predicate":"Provider deducts prior work","Trigger, step, consequence":"Required state notice does not authorize automatic work-cost offset from cancellation return.","Exact authority / limit":"§202(d)(2). Particular liability held."},"coordinator_verification_status":"scoped_record_reconciled_selected_primary_dated_reuse_unreopened_application_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":{"previous_derived_claim_id":"S_AR-C049","canonical_pass_claim_id":"S_AR-P08-C049","original_visible_claim_id":"C049","reason":"Answer explicitly scopes shortened C references to S_AR-P08; task-only import prefix can collide with other passes. Researcher cell and area unchanged."},"coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_AR-P08-C049","visible_original_claim_id":"C049","whole_original_record_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"explicit_cited_source_usage_numbers":[],"source_ranges_expanded":[],"implicit_section202references_require_S001_S002_context_not_new_source_ids":true,"selected_source_presence_not_entire_claim_validation":true,"all_primary_claim_accepted":false,"all_original_exceptions_limits_and_holds_retained":true}},{"claim_id":"S_AR-P08-C050","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C050","Actor/predicate":"Later refund/default/defect","Trigger, step, consequence":"Distinguish contractual promise, statutory cancellation and invalidity.","Exact authority / limit":"§202(d)–(f); S023."},"coordinator_verification_status":"scoped_record_reconciled_selected_primary_dated_reuse_unreopened_application_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":{"previous_derived_claim_id":"S_AR-C050","canonical_pass_claim_id":"S_AR-P08-C050","original_visible_claim_id":"C050","reason":"Answer explicitly scopes shortened C references to S_AR-P08; task-only import prefix can collide with other passes. Researcher cell and area unchanged."},"coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_AR-P08-C050","visible_original_claim_id":"C050","whole_original_record_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"explicit_cited_source_usage_numbers":[23],"source_ranges_expanded":[],"implicit_section202references_require_S001_S002_context_not_new_source_ids":true,"selected_source_presence_not_entire_claim_validation":true,"all_primary_claim_accepted":false,"all_original_exceptions_limits_and_holds_retained":true}},{"claim_id":"S_AR-P08-C051","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C051","Actor/predicate":"Provider advises or markets","Trigger, step, consequence":"State false/misleading credit statements and deceptive-sale prohibitions apply.","Exact authority / limit":"§202(e)(3)–(4)."},"coordinator_verification_status":"scoped_record_reconciled_selected_primary_dated_reuse_unreopened_application_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":{"previous_derived_claim_id":"S_AR-C051","canonical_pass_claim_id":"S_AR-P08-C051","original_visible_claim_id":"C051","reason":"Answer explicitly scopes shortened C references to S_AR-P08; task-only import prefix can collide with other passes. Researcher cell and area unchanged."},"coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_AR-P08-C051","visible_original_claim_id":"C051","whole_original_record_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"explicit_cited_source_usage_numbers":[],"source_ranges_expanded":[],"implicit_section202references_require_S001_S002_context_not_new_source_ids":true,"selected_source_presence_not_entire_claim_validation":true,"all_primary_claim_accepted":false,"all_original_exceptions_limits_and_holds_retained":true}},{"claim_id":"S_AR-P08-C052","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C052","Actor/predicate":"False-identity advice","Trigger, step, consequence":"Federal prohibition addresses concealment of accurate current credit information.","Exact authority / limit":"S019(a)(1)–(4). Actual predicates required."},"coordinator_verification_status":"scoped_record_reconciled_selected_primary_dated_reuse_unreopened_application_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":{"previous_derived_claim_id":"S_AR-C052","canonical_pass_claim_id":"S_AR-P08-C052","original_visible_claim_id":"C052","reason":"Answer explicitly scopes shortened C references to S_AR-P08; task-only import prefix can collide with other passes. Researcher cell and area unchanged."},"coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_AR-P08-C052","visible_original_claim_id":"C052","whole_original_record_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"explicit_cited_source_usage_numbers":[19],"source_ranges_expanded":[],"implicit_section202references_require_S001_S002_context_not_new_source_ids":true,"selected_source_presence_not_entire_claim_validation":true,"all_primary_claim_accepted":false,"all_original_exceptions_limits_and_holds_retained":true}},{"claim_id":"S_AR-P08-C053","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C053","Actor/predicate":"Buyer waiver sought","Trigger, step, consequence":"State waiver void; attempt violates subchapter.","Exact authority / limit":"§202(f)."},"coordinator_verification_status":"scoped_record_reconciled_selected_primary_dated_reuse_unreopened_application_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":{"previous_derived_claim_id":"S_AR-C053","canonical_pass_claim_id":"S_AR-P08-C053","original_visible_claim_id":"C053","reason":"Answer explicitly scopes shortened C references to S_AR-P08; task-only import prefix can collide with other passes. Researcher cell and area unchanged."},"coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_AR-P08-C053","visible_original_claim_id":"C053","whole_original_record_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"explicit_cited_source_usage_numbers":[],"source_ranges_expanded":[],"implicit_section202references_require_S001_S002_context_not_new_source_ids":true,"selected_source_presence_not_entire_claim_validation":true,"all_primary_claim_accepted":false,"all_original_exceptions_limits_and_holds_retained":true}},{"claim_id":"S_AR-P08-C054","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C054","Actor/predicate":"Covered CROA contract noncompliant","Trigger, step, consequence":"Federal nonwaiver and noncompliant-contract unenforceability rules apply.","Exact authority / limit":"S023(a)–(c)."},"coordinator_verification_status":"scoped_record_reconciled_selected_primary_dated_reuse_unreopened_application_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":{"previous_derived_claim_id":"S_AR-C054","canonical_pass_claim_id":"S_AR-P08-C054","original_visible_claim_id":"C054","reason":"Answer explicitly scopes shortened C references to S_AR-P08; task-only import prefix can collide with other passes. Researcher cell and area unchanged."},"coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_AR-P08-C054","visible_original_claim_id":"C054","whole_original_record_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"explicit_cited_source_usage_numbers":[23],"source_ranges_expanded":[],"implicit_section202references_require_S001_S002_context_not_new_source_ids":true,"selected_source_presence_not_entire_claim_validation":true,"all_primary_claim_accepted":false,"all_original_exceptions_limits_and_holds_retained":true}},{"claim_id":"S_AR-P08-C055","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C055","Actor/predicate":"Entire state contract/severability disputed","Trigger, step, consequence":"No universal state whole-contract or severability outcome established.","Exact authority / limit":"§202(f),(h); full contract law deferred."},"coordinator_verification_status":"scoped_record_reconciled_selected_primary_dated_reuse_unreopened_application_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":{"previous_derived_claim_id":"S_AR-C055","canonical_pass_claim_id":"S_AR-P08-C055","original_visible_claim_id":"C055","reason":"Answer explicitly scopes shortened C references to S_AR-P08; task-only import prefix can collide with other passes. Researcher cell and area unchanged."},"coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_AR-P08-C055","visible_original_claim_id":"C055","whole_original_record_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"explicit_cited_source_usage_numbers":[],"source_ranges_expanded":[],"implicit_section202references_require_S001_S002_context_not_new_source_ids":true,"selected_source_presence_not_entire_claim_validation":true,"all_primary_claim_accepted":false,"all_original_exceptions_limits_and_holds_retained":true}},{"claim_id":"S_AR-P08-C056","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C056","Actor/predicate":"§202 violation alleged","Trigger, step, consequence":"ADTPA designation and remedy cross-reference.","Exact authority / limit":"§202(h); S010–S013."},"coordinator_verification_status":"scoped_record_reconciled_selected_primary_dated_reuse_unreopened_application_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":{"previous_derived_claim_id":"S_AR-C056","canonical_pass_claim_id":"S_AR-P08-C056","original_visible_claim_id":"C056","reason":"Answer explicitly scopes shortened C references to S_AR-P08; task-only import prefix can collide with other passes. Researcher cell and area unchanged."},"coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_AR-P08-C056","visible_original_claim_id":"C056","whole_original_record_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"explicit_cited_source_usage_numbers":[10,11,12,13],"source_ranges_expanded":[[10,13]],"implicit_section202references_require_S001_S002_context_not_new_source_ids":true,"selected_source_presence_not_entire_claim_validation":true,"all_primary_claim_accepted":false,"all_original_exceptions_limits_and_holds_retained":true}},{"claim_id":"S_AR-P08-C057","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C057","Actor/predicate":"Private state claimant","Trigger, step, consequence":"Prove reliance, actual financial loss and proximate cause; fees discretionary.","Exact authority / limit":"S011(f); S009; S012§3."},"coordinator_verification_status":"scoped_record_reconciled_selected_primary_dated_reuse_unreopened_application_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":{"previous_derived_claim_id":"S_AR-C057","canonical_pass_claim_id":"S_AR-P08-C057","original_visible_claim_id":"C057","reason":"Answer explicitly scopes shortened C references to S_AR-P08; task-only import prefix can collide with other passes. Researcher cell and area unchanged."},"coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_AR-P08-C057","visible_original_claim_id":"C057","whole_original_record_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"explicit_cited_source_usage_numbers":[9,11,12],"source_ranges_expanded":[],"implicit_section202references_require_S001_S002_context_not_new_source_ids":true,"selected_source_presence_not_entire_claim_validation":true,"all_primary_claim_accepted":false,"all_original_exceptions_limits_and_holds_retained":true}},{"claim_id":"S_AR-P08-C058","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C058","Actor/predicate":"State private class asserted","Trigger, step, consequence":"Statutory class limitation and Amendment89 exception exist.","Exact authority / limit":"S011(f)(1)(B). Full procedural/preemption analysis deferred."},"coordinator_verification_status":"scoped_record_reconciled_selected_primary_dated_reuse_unreopened_application_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":{"previous_derived_claim_id":"S_AR-C058","canonical_pass_claim_id":"S_AR-P08-C058","original_visible_claim_id":"C058","reason":"Answer explicitly scopes shortened C references to S_AR-P08; task-only import prefix can collide with other passes. Researcher cell and area unchanged."},"coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_AR-P08-C058","visible_original_claim_id":"C058","whole_original_record_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"explicit_cited_source_usage_numbers":[11],"source_ranges_expanded":[],"implicit_section202references_require_S001_S002_context_not_new_source_ids":true,"selected_source_presence_not_entire_claim_validation":true,"all_primary_claim_accepted":false,"all_original_exceptions_limits_and_holds_retained":true}},{"claim_id":"S_AR-P08-C059","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C059","Actor/predicate":"AG enforcement","Trigger, step, consequence":"Prevention, restoration and up-to-$10,000 state penalty under stated conditions.","Exact authority / limit":"S011(a)–(e). Not consumer automatic award."},"coordinator_verification_status":"scoped_record_reconciled_selected_primary_dated_reuse_unreopened_application_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":{"previous_derived_claim_id":"S_AR-C059","canonical_pass_claim_id":"S_AR-P08-C059","original_visible_claim_id":"C059","reason":"Answer explicitly scopes shortened C references to S_AR-P08; task-only import prefix can collide with other passes. Researcher cell and area unchanged."},"coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_AR-P08-C059","visible_original_claim_id":"C059","whole_original_record_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"explicit_cited_source_usage_numbers":[11],"source_ranges_expanded":[],"implicit_section202references_require_S001_S002_context_not_new_source_ids":true,"selected_source_presence_not_entire_claim_validation":true,"all_primary_claim_accepted":false,"all_original_exceptions_limits_and_holds_retained":true}},{"claim_id":"S_AR-P08-C060","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C060","Actor/predicate":"Controller/assistant","Trigger, step, consequence":"Knowledge/reasonable-knowledge and statutory nexus predicates matter.","Exact authority / limit":"S011(d); S013§3."},"coordinator_verification_status":"scoped_record_reconciled_selected_primary_dated_reuse_unreopened_application_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":{"previous_derived_claim_id":"S_AR-C060","canonical_pass_claim_id":"S_AR-P08-C060","original_visible_claim_id":"C060","reason":"Answer explicitly scopes shortened C references to S_AR-P08; task-only import prefix can collide with other passes. Researcher cell and area unchanged."},"coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_AR-P08-C060","visible_original_claim_id":"C060","whole_original_record_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"explicit_cited_source_usage_numbers":[11,13],"source_ranges_expanded":[],"implicit_section202references_require_S001_S002_context_not_new_source_ids":true,"selected_source_presence_not_entire_claim_validation":true,"all_primary_claim_accepted":false,"all_original_exceptions_limits_and_holds_retained":true}},{"claim_id":"S_AR-P08-C061","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C061","Actor/predicate":"Old state damages rule cited","Trigger, step, consequence":"Former §4-91-105 repealed; not current state floor.","Exact authority / limit":"S001§6, printed9/PDF8."},"coordinator_verification_status":"scoped_record_reconciled_selected_primary_dated_reuse_unreopened_application_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":{"previous_derived_claim_id":"S_AR-C061","canonical_pass_claim_id":"S_AR-P08-C061","original_visible_claim_id":"C061","reason":"Answer explicitly scopes shortened C references to S_AR-P08; task-only import prefix can collide with other passes. Researcher cell and area unchanged."},"coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_AR-P08-C061","visible_original_claim_id":"C061","whole_original_record_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"explicit_cited_source_usage_numbers":[1],"source_ranges_expanded":[],"implicit_section202references_require_S001_S002_context_not_new_source_ids":true,"selected_source_presence_not_entire_claim_validation":true,"all_primary_claim_accepted":false,"all_original_exceptions_limits_and_holds_retained":true}},{"claim_id":"S_AR-P08-C062","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C062","Actor/predicate":"ADTPA exemption asserted","Trigger, step, consequence":"Specific statutory applicability conditions required.","Exact authority / limit":"S008; S012§1; S038."},"coordinator_verification_status":"scoped_record_reconciled_selected_primary_dated_reuse_unreopened_application_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":{"previous_derived_claim_id":"S_AR-C062","canonical_pass_claim_id":"S_AR-P08-C062","original_visible_claim_id":"C062","reason":"Answer explicitly scopes shortened C references to S_AR-P08; task-only import prefix can collide with other passes. Researcher cell and area unchanged."},"coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_AR-P08-C062","visible_original_claim_id":"C062","whole_original_record_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"explicit_cited_source_usage_numbers":[8,12,38],"source_ranges_expanded":[],"implicit_section202references_require_S001_S002_context_not_new_source_ids":true,"selected_source_presence_not_entire_claim_validation":true,"all_primary_claim_accepted":false,"all_original_exceptions_limits_and_holds_retained":true}},{"claim_id":"S_AR-P08-C063","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C063","Actor/predicate":"Federal CROA classification","Trigger, step, consequence":"Interstate/mail, consideration and express/implied improvement/advice purpose.","Exact authority / limit":"S018(3)(A)."},"coordinator_verification_status":"scoped_record_reconciled_selected_primary_dated_reuse_unreopened_application_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":{"previous_derived_claim_id":"S_AR-C063","canonical_pass_claim_id":"S_AR-P08-C063","original_visible_claim_id":"C063","reason":"Answer explicitly scopes shortened C references to S_AR-P08; task-only import prefix can collide with other passes. Researcher cell and area unchanged."},"coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_AR-P08-C063","visible_original_claim_id":"C063","whole_original_record_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"explicit_cited_source_usage_numbers":[18],"source_ranges_expanded":[],"implicit_section202references_require_S001_S002_context_not_new_source_ids":true,"selected_source_presence_not_entire_claim_validation":true,"all_primary_claim_accepted":false,"all_original_exceptions_limits_and_holds_retained":true}},{"claim_id":"S_AR-P08-C064","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C064","Actor/predicate":"Federal nonprofit exclusion","Trigger, step, consequence":"Actual nonprofit and §501(c)(3) conditions; comparison case not Arkansas binding.","Exact authority / limit":"S018(3)(B)(i),S027,S040."},"coordinator_verification_status":"scoped_record_reconciled_selected_primary_dated_reuse_unreopened_application_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":{"previous_derived_claim_id":"S_AR-C064","canonical_pass_claim_id":"S_AR-P08-C064","original_visible_claim_id":"C064","reason":"Answer explicitly scopes shortened C references to S_AR-P08; task-only import prefix can collide with other passes. Researcher cell and area unchanged."},"coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_AR-P08-C064","visible_original_claim_id":"C064","whole_original_record_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"explicit_cited_source_usage_numbers":[18,27,40],"source_ranges_expanded":[],"implicit_section202references_require_S001_S002_context_not_new_source_ids":true,"selected_source_presence_not_entire_claim_validation":true,"all_primary_claim_accepted":false,"all_original_exceptions_limits_and_holds_retained":true}},{"claim_id":"S_AR-P08-C065","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C065","Actor/predicate":"Creditor restructuring own debt","Trigger, step, consequence":"Exclusion limited to defined creditor and debt owed to it.","Exact authority / limit":"S018(3)(B)(ii); S030(g)."},"coordinator_verification_status":"scoped_record_reconciled_selected_primary_dated_reuse_unreopened_application_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":{"previous_derived_claim_id":"S_AR-C065","canonical_pass_claim_id":"S_AR-P08-C065","original_visible_claim_id":"C065","reason":"Answer explicitly scopes shortened C references to S_AR-P08; task-only import prefix can collide with other passes. Researcher cell and area unchanged."},"coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_AR-P08-C065","visible_original_claim_id":"C065","whole_original_record_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"explicit_cited_source_usage_numbers":[18,30],"source_ranges_expanded":[],"implicit_section202references_require_S001_S002_context_not_new_source_ids":true,"selected_source_presence_not_entire_claim_validation":true,"all_primary_claim_accepted":false,"all_original_exceptions_limits_and_holds_retained":true}},{"claim_id":"S_AR-P08-C066","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C066","Actor/predicate":"Financial institution/affiliate","Trigger, step, consequence":"Apply federal statutory definitions, not state-label equivalence.","Exact authority / limit":"S018(3)(B)(iii); S028–S029. Full affiliate facts held."},"coordinator_verification_status":"scoped_record_reconciled_selected_primary_dated_reuse_unreopened_application_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":{"previous_derived_claim_id":"S_AR-C066","canonical_pass_claim_id":"S_AR-P08-C066","original_visible_claim_id":"C066","reason":"Answer explicitly scopes shortened C references to S_AR-P08; task-only import prefix can collide with other passes. Researcher cell and area unchanged."},"coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_AR-P08-C066","visible_original_claim_id":"C066","whole_original_record_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"explicit_cited_source_usage_numbers":[18,28,29],"source_ranges_expanded":[[28,29]],"implicit_section202references_require_S001_S002_context_not_new_source_ids":true,"selected_source_presence_not_entire_claim_validation":true,"all_primary_claim_accepted":false,"all_original_exceptions_limits_and_holds_retained":true}},{"claim_id":"S_AR-P08-C067","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C067","Actor/predicate":"State exclusion asserted federally","Trigger, step, consequence":"State attorney/provider exclusion does not establish CROA exclusion.","Exact authority / limit":"S002(a)(3)(B) versus S018."},"coordinator_verification_status":"scoped_record_reconciled_selected_primary_dated_reuse_unreopened_application_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":{"previous_derived_claim_id":"S_AR-C067","canonical_pass_claim_id":"S_AR-P08-C067","original_visible_claim_id":"C067","reason":"Answer explicitly scopes shortened C references to S_AR-P08; task-only import prefix can collide with other passes. Researcher cell and area unchanged."},"coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_AR-P08-C067","visible_original_claim_id":"C067","whole_original_record_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"explicit_cited_source_usage_numbers":[2,18],"source_ranges_expanded":[],"implicit_section202references_require_S001_S002_context_not_new_source_ids":true,"selected_source_presence_not_entire_claim_validation":true,"all_primary_claim_accepted":false,"all_original_exceptions_limits_and_holds_retained":true}},{"claim_id":"S_AR-P08-C068","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C068","Actor/predicate":"CROA provider charges/receives","Trigger, step, consequence":"Agreed service must be fully performed; no state security exception.","Exact authority / limit":"S019(b)."},"coordinator_verification_status":"scoped_record_reconciled_selected_primary_dated_reuse_unreopened_application_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":{"previous_derived_claim_id":"S_AR-C068","canonical_pass_claim_id":"S_AR-P08-C068","original_visible_claim_id":"C068","reason":"Answer explicitly scopes shortened C references to S_AR-P08; task-only import prefix can collide with other passes. Researcher cell and area unchanged."},"coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_AR-P08-C068","visible_original_claim_id":"C068","whole_original_record_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"explicit_cited_source_usage_numbers":[19],"source_ranges_expanded":[],"implicit_section202references_require_S001_S002_context_not_new_source_ids":true,"selected_source_presence_not_entire_claim_validation":true,"all_primary_claim_accepted":false,"all_original_exceptions_limits_and_holds_retained":true}},{"claim_id":"S_AR-P08-C069","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C069","Actor/predicate":"CROA precontract disclosure","Trigger, step, consequence":"Separate statutory statement and signed acknowledgment; retain two years.","Exact authority / limit":"S020(a)–(c)."},"coordinator_verification_status":"scoped_record_reconciled_selected_primary_dated_reuse_unreopened_application_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":{"previous_derived_claim_id":"S_AR-C069","canonical_pass_claim_id":"S_AR-P08-C069","original_visible_claim_id":"C069","reason":"Answer explicitly scopes shortened C references to S_AR-P08; task-only import prefix can collide with other passes. Researcher cell and area unchanged."},"coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_AR-P08-C069","visible_original_claim_id":"C069","whole_original_record_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"explicit_cited_source_usage_numbers":[20],"source_ranges_expanded":[],"implicit_section202references_require_S001_S002_context_not_new_source_ids":true,"selected_source_presence_not_entire_claim_validation":true,"all_primary_claim_accepted":false,"all_original_exceptions_limits_and_holds_retained":true}},{"claim_id":"S_AR-P08-C070","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C070","Actor/predicate":"CROA services begin","Trigger, step, consequence":"Written dated consumer-signed contract and initial no-service period.","Exact authority / limit":"S021(a)–(b)."},"coordinator_verification_status":"scoped_record_reconciled_selected_primary_dated_reuse_unreopened_application_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":{"previous_derived_claim_id":"S_AR-C070","canonical_pass_claim_id":"S_AR-P08-C070","original_visible_claim_id":"C070","reason":"Answer explicitly scopes shortened C references to S_AR-P08; task-only import prefix can collide with other passes. Researcher cell and area unchanged."},"coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_AR-P08-C070","visible_original_claim_id":"C070","whole_original_record_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"explicit_cited_source_usage_numbers":[21],"source_ranges_expanded":[],"implicit_section202references_require_S001_S002_context_not_new_source_ids":true,"selected_source_presence_not_entire_claim_validation":true,"all_primary_claim_accepted":false,"all_original_exceptions_limits_and_holds_retained":true}},{"claim_id":"S_AR-P08-C071","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C071","Actor/predicate":"Consumer cancels federally","Trigger, step, consequence":"Apply operative third-business-day rule and required form.","Exact authority / limit":"S022(a)–(b); no calendar shortcut."},"coordinator_verification_status":"scoped_record_reconciled_selected_primary_dated_reuse_unreopened_application_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":{"previous_derived_claim_id":"S_AR-C071","canonical_pass_claim_id":"S_AR-P08-C071","original_visible_claim_id":"C071","reason":"Answer explicitly scopes shortened C references to S_AR-P08; task-only import prefix can collide with other passes. Researcher cell and area unchanged."},"coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_AR-P08-C071","visible_original_claim_id":"C071","whole_original_record_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"explicit_cited_source_usage_numbers":[22],"source_ranges_expanded":[],"implicit_section202references_require_S001_S002_context_not_new_source_ids":true,"selected_source_presence_not_entire_claim_validation":true,"all_primary_claim_accepted":false,"all_original_exceptions_limits_and_holds_retained":true}},{"claim_id":"S_AR-P08-C072","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C072","Actor/predicate":"CROA documents signed","Trigger, step, consequence":"Provide completed contract, disclosure and required signed documents at signing.","Exact authority / limit":"S022(c)."},"coordinator_verification_status":"scoped_record_reconciled_selected_primary_dated_reuse_unreopened_application_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":{"previous_derived_claim_id":"S_AR-C072","canonical_pass_claim_id":"S_AR-P08-C072","original_visible_claim_id":"C072","reason":"Answer explicitly scopes shortened C references to S_AR-P08; task-only import prefix can collide with other passes. Researcher cell and area unchanged."},"coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_AR-P08-C072","visible_original_claim_id":"C072","whole_original_record_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"explicit_cited_source_usage_numbers":[22],"source_ranges_expanded":[],"implicit_section202references_require_S001_S002_context_not_new_source_ids":true,"selected_source_presence_not_entire_claim_validation":true,"all_primary_claim_accepted":false,"all_original_exceptions_limits_and_holds_retained":true}},{"claim_id":"S_AR-P08-C073","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C073","Actor/predicate":"Federal liability established","Trigger, step, consequence":"Greater-of measure, possible punitive amount, successful-action costs/fees.","Exact authority / limit":"S024(a)–(b). No automatic payment."},"coordinator_verification_status":"scoped_record_reconciled_selected_primary_dated_reuse_unreopened_application_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":{"previous_derived_claim_id":"S_AR-C073","canonical_pass_claim_id":"S_AR-P08-C073","original_visible_claim_id":"C073","reason":"Answer explicitly scopes shortened C references to S_AR-P08; task-only import prefix can collide with other passes. Researcher cell and area unchanged."},"coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_AR-P08-C073","visible_original_claim_id":"C073","whole_original_record_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"explicit_cited_source_usage_numbers":[24],"source_ranges_expanded":[],"implicit_section202references_require_S001_S002_context_not_new_source_ids":true,"selected_source_presence_not_entire_claim_validation":true,"all_primary_claim_accepted":false,"all_original_exceptions_limits_and_holds_retained":true}},{"claim_id":"S_AR-P08-C074","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C074","Actor/predicate":"Public CROA enforcement","Trigger, step, consequence":"FTC and state authority subject to statutory notice/concurrency provisions.","Exact authority / limit":"S025(a)–(c)."},"coordinator_verification_status":"scoped_record_reconciled_selected_primary_dated_reuse_unreopened_application_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":{"previous_derived_claim_id":"S_AR-C074","canonical_pass_claim_id":"S_AR-P08-C074","original_visible_claim_id":"C074","reason":"Answer explicitly scopes shortened C references to S_AR-P08; task-only import prefix can collide with other passes. Researcher cell and area unchanged."},"coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_AR-P08-C074","visible_original_claim_id":"C074","whole_original_record_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"explicit_cited_source_usage_numbers":[25],"source_ranges_expanded":[],"implicit_section202references_require_S001_S002_context_not_new_source_ids":true,"selected_source_presence_not_entire_claim_validation":true,"all_primary_claim_accepted":false,"all_original_exceptions_limits_and_holds_retained":true}},{"claim_id":"S_AR-P08-C075","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C075","Actor/predicate":"State/federal overlap","Trigger, step, consequence":"Preserve state law except actual inconsistency to its extent.","Exact authority / limit":"S026. No wholesale preemption."},"coordinator_verification_status":"scoped_record_reconciled_selected_primary_dated_reuse_unreopened_application_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":{"previous_derived_claim_id":"S_AR-C075","canonical_pass_claim_id":"S_AR-P08-C075","original_visible_claim_id":"C075","reason":"Answer explicitly scopes shortened C references to S_AR-P08; task-only import prefix can collide with other passes. Researcher cell and area unchanged."},"coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_AR-P08-C075","visible_original_claim_id":"C075","whole_original_record_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"explicit_cited_source_usage_numbers":[26],"source_ranges_expanded":[],"implicit_section202references_require_S001_S002_context_not_new_source_ids":true,"selected_source_presence_not_entire_claim_validation":true,"all_primary_claim_accepted":false,"all_original_exceptions_limits_and_holds_retained":true}},{"claim_id":"S_AR-P08-C076","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C076","Actor/predicate":"TSR application","Trigger, step, consequence":"Establish actual telemarketing, seller and jurisdictional facts.","Exact authority / limit":"S034; S036; limited S037 guidance."},"coordinator_verification_status":"scoped_record_reconciled_selected_primary_dated_reuse_unreopened_application_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":{"previous_derived_claim_id":"S_AR-C076","canonical_pass_claim_id":"S_AR-P08-C076","original_visible_claim_id":"C076","reason":"Answer explicitly scopes shortened C references to S_AR-P08; task-only import prefix can collide with other passes. Researcher cell and area unchanged."},"coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_AR-P08-C076","visible_original_claim_id":"C076","whole_original_record_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"explicit_cited_source_usage_numbers":[34,36,37],"source_ranges_expanded":[],"implicit_section202references_require_S001_S002_context_not_new_source_ids":true,"selected_source_presence_not_entire_claim_validation":true,"all_primary_claim_accepted":false,"all_original_exceptions_limits_and_holds_retained":true}},{"claim_id":"S_AR-P08-C077","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C077","Actor/predicate":"Covered credit-repair payment request","Trigger, step, consequence":"Both timeframe expiry and provision of qualifying results report precede request/receipt.","Exact authority / limit":"S035(a)(2)(i)–(ii)."},"coordinator_verification_status":"scoped_record_reconciled_selected_primary_dated_reuse_unreopened_application_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":{"previous_derived_claim_id":"S_AR-C077","canonical_pass_claim_id":"S_AR-P08-C077","original_visible_claim_id":"C077","reason":"Answer explicitly scopes shortened C references to S_AR-P08; task-only import prefix can collide with other passes. Researcher cell and area unchanged."},"coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_AR-P08-C077","visible_original_claim_id":"C077","whole_original_record_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"explicit_cited_source_usage_numbers":[35],"source_ranges_expanded":[],"implicit_section202references_require_S001_S002_context_not_new_source_ids":true,"selected_source_presence_not_entire_claim_validation":true,"all_primary_claim_accepted":false,"all_original_exceptions_limits_and_holds_retained":true}},{"claim_id":"S_AR-P08-C078","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C078","Actor/predicate":"Report age calculated","Trigger, step, consequence":"Issuance must be more than six months after results; no required order between two prerequisites.","Exact authority / limit":"S035(a)(2). No180-day substitution."},"coordinator_verification_status":"scoped_record_reconciled_selected_primary_dated_reuse_unreopened_application_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":{"previous_derived_claim_id":"S_AR-C078","canonical_pass_claim_id":"S_AR-P08-C078","original_visible_claim_id":"C078","reason":"Answer explicitly scopes shortened C references to S_AR-P08; task-only import prefix can collide with other passes. Researcher cell and area unchanged."},"coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_AR-P08-C078","visible_original_claim_id":"C078","whole_original_record_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"explicit_cited_source_usage_numbers":[35],"source_ranges_expanded":[],"implicit_section202references_require_S001_S002_context_not_new_source_ids":true,"selected_source_presence_not_entire_claim_validation":true,"all_primary_claim_accepted":false,"all_original_exceptions_limits_and_holds_retained":true}},{"claim_id":"S_AR-P08-C079","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C079","Actor/predicate":"Early report later used","Trigger, step, consequence":"Waiting does not change report’s issuance date.","Exact authority / limit":"Same text; direct temporal inference."},"coordinator_verification_status":"scoped_record_reconciled_selected_primary_dated_reuse_unreopened_application_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":{"previous_derived_claim_id":"S_AR-C079","canonical_pass_claim_id":"S_AR-P08-C079","original_visible_claim_id":"C079","reason":"Answer explicitly scopes shortened C references to S_AR-P08; task-only import prefix can collide with other passes. Researcher cell and area unchanged."},"coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_AR-P08-C079","visible_original_claim_id":"C079","whole_original_record_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"explicit_cited_source_usage_numbers":[],"source_ranges_expanded":[],"implicit_section202references_require_S001_S002_context_not_new_source_ids":true,"selected_source_presence_not_entire_claim_validation":true,"all_primary_claim_accepted":false,"all_original_exceptions_limits_and_holds_retained":true}},{"claim_id":"S_AR-P08-C080","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C080","Actor/predicate":"Guaranteed/high-likelihood loan service","Trigger, step, consequence":"Separate TSR advance-loan provision may apply.","Exact authority / limit":"S035(a)(4)."},"coordinator_verification_status":"scoped_record_reconciled_selected_primary_dated_reuse_unreopened_application_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":{"previous_derived_claim_id":"S_AR-C080","canonical_pass_claim_id":"S_AR-P08-C080","original_visible_claim_id":"C080","reason":"Answer explicitly scopes shortened C references to S_AR-P08; task-only import prefix can collide with other passes. Researcher cell and area unchanged."},"coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_AR-P08-C080","visible_original_claim_id":"C080","whole_original_record_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"explicit_cited_source_usage_numbers":[35],"source_ranges_expanded":[],"implicit_section202references_require_S001_S002_context_not_new_source_ids":true,"selected_source_presence_not_entire_claim_validation":true,"all_primary_claim_accepted":false,"all_original_exceptions_limits_and_holds_retained":true}},{"claim_id":"S_AR-P08-C081","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C081","Actor/predicate":"Attorney/debt-relief exception asserted","Trigger, step, consequence":"Recovery-service attorney clause and debt-relief account clause are not credit-repair exceptions.","Exact authority / limit":"S035(a)(2)–(5)."},"coordinator_verification_status":"scoped_record_reconciled_selected_primary_dated_reuse_unreopened_application_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":{"previous_derived_claim_id":"S_AR-C081","canonical_pass_claim_id":"S_AR-P08-C081","original_visible_claim_id":"C081","reason":"Answer explicitly scopes shortened C references to S_AR-P08; task-only import prefix can collide with other passes. Researcher cell and area unchanged."},"coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_AR-P08-C081","visible_original_claim_id":"C081","whole_original_record_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"explicit_cited_source_usage_numbers":[35],"source_ranges_expanded":[],"implicit_section202references_require_S001_S002_context_not_new_source_ids":true,"selected_source_presence_not_entire_claim_validation":true,"all_primary_claim_accepted":false,"all_original_exceptions_limits_and_holds_retained":true}},{"claim_id":"S_AR-P08-C082","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C082","Actor/predicate":"Inbound/face-to-face exemption","Trigger, step, consequence":"Apply exact §310.6 branch; advertising carveouts matter.","Exact authority / limit":"S036(b)(3)–(7)."},"coordinator_verification_status":"scoped_record_reconciled_selected_primary_dated_reuse_unreopened_application_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":{"previous_derived_claim_id":"S_AR-C082","canonical_pass_claim_id":"S_AR-P08-C082","original_visible_claim_id":"C082","reason":"Answer explicitly scopes shortened C references to S_AR-P08; task-only import prefix can collide with other passes. 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Researcher cell and area unchanged."},"coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_AR-P08-C085","visible_original_claim_id":"C085","whole_original_record_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"explicit_cited_source_usage_numbers":[40],"source_ranges_expanded":[],"implicit_section202references_require_S001_S002_context_not_new_source_ids":true,"selected_source_presence_not_entire_claim_validation":true,"all_primary_claim_accepted":false,"all_original_exceptions_limits_and_holds_retained":true}},{"claim_id":"S_AR-P08-C086","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C086","Predicate":"Monitoring service compared","Consequence":"Stout depends on actual improvement representations.","Evidence / limit":"S041; not every monitor covered."},"coordinator_verification_status":"scoped_record_reconciled_selected_primary_dated_reuse_unreopened_application_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":{"previous_derived_claim_id":"S_AR-C086","canonical_pass_claim_id":"S_AR-P08-C086","original_visible_claim_id":"C086","reason":"Answer explicitly scopes shortened C references to S_AR-P08; task-only import prefix can collide with other passes. Researcher cell and area unchanged."},"coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_AR-P08-C086","visible_original_claim_id":"C086","whole_original_record_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"explicit_cited_source_usage_numbers":[41],"source_ranges_expanded":[],"implicit_section202references_require_S001_S002_context_not_new_source_ids":true,"selected_source_presence_not_entire_claim_validation":true,"all_primary_claim_accepted":false,"all_original_exceptions_limits_and_holds_retained":true}},{"claim_id":"S_AR-P08-C087","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C087","Predicate":"Regulated-business exemption","Consequence":"Air Evac adopted specific-conduct analysis.","Evidence / limit":"S038; not CSO merits judgment."},"coordinator_verification_status":"scoped_record_reconciled_selected_primary_dated_reuse_unreopened_application_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":{"previous_derived_claim_id":"S_AR-C087","canonical_pass_claim_id":"S_AR-P08-C087","original_visible_claim_id":"C087","reason":"Answer explicitly scopes shortened C references to S_AR-P08; task-only import prefix can collide with other passes. Researcher cell and area unchanged."},"coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_AR-P08-C087","visible_original_claim_id":"C087","whole_original_record_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"explicit_cited_source_usage_numbers":[38],"source_ranges_expanded":[],"implicit_section202references_require_S001_S002_context_not_new_source_ids":true,"selected_source_presence_not_entire_claim_validation":true,"all_primary_claim_accepted":false,"all_original_exceptions_limits_and_holds_retained":true}},{"claim_id":"S_AR-P08-C088","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C088","Predicate":"Arkansas/Eighth construction sought","Consequence":"No responsive complete construction found in bounded search.","Evidence / limit":"Not absence-of-authority or citator clearance."},"coordinator_verification_status":"scoped_record_reconciled_selected_primary_dated_reuse_unreopened_application_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":{"previous_derived_claim_id":"S_AR-C088","canonical_pass_claim_id":"S_AR-P08-C088","original_visible_claim_id":"C088","reason":"Answer explicitly scopes shortened C references to S_AR-P08; task-only import prefix can collide with other passes. Researcher cell and area unchanged."},"coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_AR-P08-C088","visible_original_claim_id":"C088","whole_original_record_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"explicit_cited_source_usage_numbers":[],"source_ranges_expanded":[],"implicit_section202references_require_S001_S002_context_not_new_source_ids":true,"selected_source_presence_not_entire_claim_validation":true,"all_primary_claim_accepted":false,"all_original_exceptions_limits_and_holds_retained":true}},{"claim_id":"S_AR-P08-C089","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C089","Predicate":"State effective/current law asserted","Consequence":"Approval not commencement; exact Act944 date and full later chain held.","Evidence / limit":"S001,S007,S043."},"coordinator_verification_status":"scoped_record_reconciled_selected_primary_dated_reuse_unreopened_application_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":{"previous_derived_claim_id":"S_AR-C089","canonical_pass_claim_id":"S_AR-P08-C089","original_visible_claim_id":"C089","reason":"Answer explicitly scopes shortened C references to S_AR-P08; task-only import prefix can collide with other passes. Researcher cell and area unchanged."},"coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_AR-P08-C089","visible_original_claim_id":"C089","whole_original_record_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"explicit_cited_source_usage_numbers":[1,7,43],"source_ranges_expanded":[],"implicit_section202references_require_S001_S002_context_not_new_source_ids":true,"selected_source_presence_not_entire_claim_validation":true,"all_primary_claim_accepted":false,"all_original_exceptions_limits_and_holds_retained":true}},{"claim_id":"S_AR-P08-C090","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C090","Predicate":"Federal currency asserted","Consequence":"OLRC through Oct15; eCFR through Oct23; not unqualified Oct27 certificate.","Evidence / limit":"S018–S036."},"coordinator_verification_status":"scoped_record_reconciled_selected_primary_dated_reuse_unreopened_application_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":{"previous_derived_claim_id":"S_AR-C090","canonical_pass_claim_id":"S_AR-P08-C090","original_visible_claim_id":"C090","reason":"Answer explicitly scopes shortened C references to S_AR-P08; task-only import prefix can collide with other passes. Researcher cell and area unchanged."},"coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_AR-P08-C090","visible_original_claim_id":"C090","whole_original_record_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"explicit_cited_source_usage_numbers":[18,19,20,21,22,23,24,25,26,27,28,29,30,31,32,33,34,35,36],"source_ranges_expanded":[[18,36]],"implicit_section202references_require_S001_S002_context_not_new_source_ids":true,"selected_source_presence_not_entire_claim_validation":true,"all_primary_claim_accepted":false,"all_original_exceptions_limits_and_holds_retained":true}},{"claim_id":"S_AR-P08-C091","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C091","Predicate":"CSO security form sought","Consequence":"No authenticated credit-repair-specific bond/trust blank found.","Evidence / limit":"S014–S017; telephonic forms separate."},"coordinator_verification_status":"scoped_record_reconciled_selected_primary_dated_reuse_unreopened_application_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":{"previous_derived_claim_id":"S_AR-C091","canonical_pass_claim_id":"S_AR-P08-C091","original_visible_claim_id":"C091","reason":"Answer explicitly scopes shortened C references to S_AR-P08; task-only import prefix can collide with other passes. Researcher cell and area unchanged."},"coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_AR-P08-C091","visible_original_claim_id":"C091","whole_original_record_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"explicit_cited_source_usage_numbers":[14,15,16,17],"source_ranges_expanded":[[14,17]],"implicit_section202references_require_S001_S002_context_not_new_source_ids":true,"selected_source_presence_not_entire_claim_validation":true,"all_primary_claim_accepted":false,"all_original_exceptions_limits_and_holds_retained":true}},{"claim_id":"S_AR-P08-C092","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C092","Predicate":"Actual application","Consequence":"No private status, contract, tax, loan or claim facts verified.","Evidence / limit":"Research scope."},"coordinator_verification_status":"scoped_record_reconciled_selected_primary_dated_reuse_unreopened_application_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":{"previous_derived_claim_id":"S_AR-C092","canonical_pass_claim_id":"S_AR-P08-C092","original_visible_claim_id":"C092","reason":"Answer explicitly scopes shortened C references to S_AR-P08; task-only import prefix can collide with other passes. Researcher cell and area unchanged."},"coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_AR-P08-C092","visible_original_claim_id":"C092","whole_original_record_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"explicit_cited_source_usage_numbers":[],"source_ranges_expanded":[],"implicit_section202references_require_S001_S002_context_not_new_source_ids":true,"selected_source_presence_not_entire_claim_validation":true,"all_primary_claim_accepted":false,"all_original_exceptions_limits_and_holds_retained":true}},{"claim_id":"S_AR-P08-C093","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C093","Predicate":"Ledger analyzed","Consequence":"Receipt, earned application, return, security and creditor payment differ.","Evidence / limit":"Conditional arithmetic; no legal entitlement inferred."},"coordinator_verification_status":"scoped_record_reconciled_selected_primary_dated_reuse_unreopened_application_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":{"previous_derived_claim_id":"S_AR-C093","canonical_pass_claim_id":"S_AR-P08-C093","original_visible_claim_id":"C093","reason":"Answer explicitly scopes shortened C references to S_AR-P08; task-only import prefix can collide with other passes. Researcher cell and area unchanged."},"coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_AR-P08-C093","visible_original_claim_id":"C093","whole_original_record_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"explicit_cited_source_usage_numbers":[],"source_ranges_expanded":[],"implicit_section202references_require_S001_S002_context_not_new_source_ids":true,"selected_source_presence_not_entire_claim_validation":true,"all_primary_claim_accepted":false,"all_original_exceptions_limits_and_holds_retained":true}},{"claim_id":"S_AR-P08-C094","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C094","Predicate":"Subsequent treatment assessed","Consequence":"Four responsive opinion bodies read; full current citator incomplete.","Evidence / limit":"S038–S041."},"coordinator_verification_status":"scoped_record_reconciled_selected_primary_dated_reuse_unreopened_application_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":{"previous_derived_claim_id":"S_AR-C094","canonical_pass_claim_id":"S_AR-P08-C094","original_visible_claim_id":"C094","reason":"Answer explicitly scopes shortened C references to S_AR-P08; task-only import prefix can collide with other passes. Researcher cell and area unchanged."},"coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_AR-P08-C094","visible_original_claim_id":"C094","whole_original_record_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"explicit_cited_source_usage_numbers":[38,39,40,41],"source_ranges_expanded":[[38,41]],"implicit_section202references_require_S001_S002_context_not_new_source_ids":true,"selected_source_presence_not_entire_claim_validation":true,"all_primary_claim_accepted":false,"all_original_exceptions_limits_and_holds_retained":true}},{"claim_id":"S_AR-P08-C095","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C095","Predicate":"Telephone seller classification","Consequence":"Specific Chapter99 representations and exclusions required.","Evidence / limit":"S047(8); S045§2."},"coordinator_verification_status":"scoped_record_reconciled_selected_primary_dated_reuse_unreopened_application_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":{"previous_derived_claim_id":"S_AR-C095","canonical_pass_claim_id":"S_AR-P08-C095","original_visible_claim_id":"C095","reason":"Answer explicitly scopes shortened C references to S_AR-P08; task-only import prefix can collide with other passes. Researcher cell and area unchanged."},"coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_AR-P08-C095","visible_original_claim_id":"C095","whole_original_record_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"explicit_cited_source_usage_numbers":[45,47],"source_ranges_expanded":[],"implicit_section202references_require_S001_S002_context_not_new_source_ids":true,"selected_source_presence_not_entire_claim_validation":true,"all_primary_claim_accepted":false,"all_original_exceptions_limits_and_holds_retained":true}},{"claim_id":"S_AR-P08-C096","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C096","Predicate":"Sales method/service changes","Consequence":"Separate labels, channels or line items do not prove exemption/divisibility.","Evidence / limit":"S002,S018,S047; actual integration held."},"coordinator_verification_status":"scoped_record_reconciled_selected_primary_dated_reuse_unreopened_application_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":{"previous_derived_claim_id":"S_AR-C096","canonical_pass_claim_id":"S_AR-P08-C096","original_visible_claim_id":"C096","reason":"Answer explicitly scopes shortened C references to S_AR-P08; task-only import prefix can collide with other passes. Researcher cell and area unchanged."},"coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_AR-P08-C096","visible_original_claim_id":"C096","whole_original_record_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"explicit_cited_source_usage_numbers":[2,18,47],"source_ranges_expanded":[],"implicit_section202references_require_S001_S002_context_not_new_source_ids":true,"selected_source_presence_not_entire_claim_validation":true,"all_primary_claim_accepted":false,"all_original_exceptions_limits_and_holds_retained":true}},{"claim_id":"S_AR-P08-C097","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C097","Predicate":"Chapter99 territorial trigger","Consequence":"Solicitation from Arkansas or to Arkansas purchasers addressed.","Evidence / limit":"S048(a)(2); S046§2."},"coordinator_verification_status":"scoped_record_reconciled_selected_primary_dated_reuse_unreopened_application_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":{"previous_derived_claim_id":"S_AR-C097","canonical_pass_claim_id":"S_AR-P08-C097","original_visible_claim_id":"C097","reason":"Answer explicitly scopes shortened C references to S_AR-P08; task-only import prefix can collide with other passes. 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Not independent proof of every current section."},"coordinator_verification_status":"record_reconciled_unreopened_source_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"source_id":"S_AR-P08-S003","all_original_cells_read":true,"researcher_record_unchanged":true,"fresh_read_map_entries":[],"fresh_failed_events":[],"dated_family_support":[],"status":"Source record reconciled, underlying source not reopened","all_primary_source_accepted":false,"all_original_dates_versions_failures_secondary_and_application_limits_retained":true}},{"source_id":"S_AR-P08-S004","urls":["https://arkleg.state.ar.us/Bills/Detail?ddBienniumSession=2019%2F2019R&id=HB1958","https://arkleg.state.ar.us/Bills/Detail?ddBienniumSession=2019%2F2019R&id=HB1958&utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_AR-P08-S004","Issuer/title/direct HTTPS URL":"Arkansas Legislature, HB1958, 2019 status. https://arkleg.state.ar.us/Bills/Detail?ddBienniumSession=2019%2F2019R&id=HB1958","Actual scope, dates, status, and limits":"P status body: proposal died in Senate committee at sine die, April24,2019. 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Current primary chain partial."},"coordinator_verification_status":"record_reconciled_unreopened_source_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"source_id":"S_AR-P08-S005","all_original_cells_read":true,"researcher_record_unchanged":true,"fresh_read_map_entries":[],"fresh_failed_events":[],"dated_family_support":[],"status":"Source record reconciled, underlying source not reopened","all_primary_source_accepted":false,"all_original_dates_versions_failures_secondary_and_application_limits_retained":true}},{"source_id":"S_AR-P08-S006","urls":["https://arkleg.state.ar.us/Home/FTPDocument?path=%2FACTS%2F2013%2FPublic%2FACT1124.pdf","https://arkleg.state.ar.us/Home/FTPDocument?path=%2FACTS%2F2013%2FPublic%2FACT1124.pdf&utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_AR-P08-S006","Issuer/title/direct HTTPS URL":"Act1124 of2013. https://arkleg.state.ar.us/Home/FTPDocument?path=%2FACTS%2F2013%2FPublic%2FACT1124.pdf","Actual scope, dates, status, and limits":"P: material §3, printed2/PDF1, text/image; related saving language read. Approved April11,2013; exact default commencement held."},"coordinator_verification_status":"record_reconciled_unreopened_source_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"source_id":"S_AR-P08-S006","all_original_cells_read":true,"researcher_record_unchanged":true,"fresh_read_map_entries":[],"fresh_failed_events":[],"dated_family_support":[],"status":"Source record reconciled, underlying source not reopened","all_primary_source_accepted":false,"all_original_dates_versions_failures_secondary_and_application_limits_retained":true}},{"source_id":"S_AR-P08-S007","urls":["https://www.sos.arkansas.gov/uploads/elections/Arkansas_Election_Laws_and_Constitution_2025_Edition.pdf","https://www.sos.arkansas.gov/uploads/elections/Arkansas_Election_Laws_and_Constitution_2025_Edition.pdf?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_AR-P08-S007","Issuer/title/direct HTTPS URL":"Arkansas Secretary of State, 2025 Constitution reproduction. https://www.sos.arkansas.gov/uploads/elections/Arkansas_Election_Laws_and_Constitution_2025_Edition.pdf","Actual scope, dates, status, and limits":"P: Art5§1 printed593–594/PDF605–606; Amendment89 §§2–3,5–6,9,12–13 printed733–735/PDF745–747, text/images. Amendment89 expressly effective Jan1,2011. 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Full UDAP dossier excluded."},"coordinator_verification_status":"record_reconciled_unreopened_source_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"source_id":"S_AR-P08-S010","all_original_cells_read":true,"researcher_record_unchanged":true,"fresh_read_map_entries":[],"fresh_failed_events":[],"dated_family_support":[],"status":"Source record reconciled, underlying source not reopened","all_primary_source_accepted":false,"all_original_dates_versions_failures_secondary_and_application_limits_retained":true}},{"source_id":"S_AR-P08-S011","urls":["https://law.justia.com/codes/arkansas/title-4/subtitle-7/chapter-88/subchapter-1/section-4-88-113/","https://law.justia.com/codes/arkansas/title-4/subtitle-7/chapter-88/subchapter-1/section-4-88-113/?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_AR-P08-S011","Issuer/title/direct HTTPS URL":"§4-88-113. https://law.justia.com/codes/arkansas/title-4/subtitle-7/chapter-88/subchapter-1/section-4-88-113/","Actual scope, dates, status, and limits":"M: (a)–(f), public/private remedies, liability predicates and limits. No actual award calculated."},"coordinator_verification_status":"record_reconciled_unreopened_source_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"source_id":"S_AR-P08-S011","all_original_cells_read":true,"researcher_record_unchanged":true,"fresh_read_map_entries":[],"fresh_failed_events":[],"dated_family_support":[],"status":"Source record reconciled, underlying source not reopened","all_primary_source_accepted":false,"all_original_dates_versions_failures_secondary_and_application_limits_retained":true}},{"source_id":"S_AR-P08-S012","urls":["https://arkleg.state.ar.us/Home/FTPDocument?path=%2FACTS%2F2017R%2FPublic%2FACT986.pdf","https://arkleg.state.ar.us/Home/FTPDocument?path=%2FACTS%2F2017R%2FPublic%2FACT986.pdf&utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_AR-P08-S012","Issuer/title/direct HTTPS URL":"Act986 of2017. https://arkleg.state.ar.us/Home/FTPDocument?path=%2FACTS%2F2017R%2FPublic%2FACT986.pdf","Actual scope, dates, status, and limits":"P: §§1–4, printed1–2/PDF0–1, text/images. Became law April7,2017 without Governor signature. Exact commencement held; §4’s action-timing clause preserved."},"coordinator_verification_status":"selected_primary_passages_with_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"source_id":"S_AR-P08-S012","all_original_cells_read":true,"researcher_record_unchanged":true,"fresh_read_map_entries":[{"chunk":1,"URL":"https://arkleg.state.ar.us/Home/FTPDocument?path=%2FACTS%2F2017R%2FPublic%2FACT986.pdf","packet_character_bounds":[6945,11590],"PDF_page_tags":["P0","P0-1","P1"],"source_id":"S_AR-P08-S012","packet":"[internal evidence reference]","all_returned_numbered_ranges":[[0,76]],"actual_numbered_lines_read":[[0,76]],"whole_error_read":false,"location_or_metadata_only_when_empty":false,"PDFpixels":false},{"chunk":2,"URL":"https://arkleg.state.ar.us/Home/FTPDocument?path=%2FACTS%2F2017R%2FPublic%2FACT986.pdf","packet_character_bounds":[15775,19859],"PDF_page_tags":["P0","P0-1","P1"],"source_id":"S_AR-P08-S012","packet":"[internal evidence reference]","all_returned_numbered_ranges":[[12,76]],"actual_numbered_lines_read":[],"whole_error_read":false,"location_or_metadata_only_when_empty":true,"PDFpixels":false}],"fresh_failed_events":[],"dated_family_support":[],"status":"Selectedliteralprimaryparsedbodychecks; not currentalllaw/sourceacceptance","all_primary_source_accepted":false,"all_original_dates_versions_failures_secondary_and_application_limits_retained":true}},{"source_id":"S_AR-P08-S013","urls":["https://arkleg.state.ar.us/Home/FTPDocument?path=%2FACTS%2F2021R%2FPublic%2FACT1015.pdf","https://arkleg.state.ar.us/Home/FTPDocument?path=%2FACTS%2F2021R%2FPublic%2FACT1015.pdf&utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_AR-P08-S013","Issuer/title/direct HTTPS URL":"Act1015 of2021. https://arkleg.state.ar.us/Home/FTPDocument?path=%2FACTS%2F2021R%2FPublic%2FACT1015.pdf","Actual scope, dates, status, and limits":"P: material §§2–3, printed2/PDF1, text/image; assistance/controller amendments. Entire act and full effective chain not claimed read."},"coordinator_verification_status":"record_reconciled_unreopened_source_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"source_id":"S_AR-P08-S013","all_original_cells_read":true,"researcher_record_unchanged":true,"fresh_read_map_entries":[],"fresh_failed_events":[],"dated_family_support":[],"status":"Source record reconciled, underlying source not reopened","all_primary_source_accepted":false,"all_original_dates_versions_failures_secondary_and_application_limits_retained":true}},{"source_id":"S_AR-P08-S014","urls":["https://codeofarrules.arkansas.gov/","https://codeofarrules.arkansas.gov/Rules/Search","https://codeofarrules.arkansas.gov/?utm_source=chatgpt.com","https://codeofarrules.arkansas.gov/Rules/Search?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_AR-P08-S014","Issuer/title/direct HTTPS URL":"Official Code of Arkansas Rules. https://codeofarrules.arkansas.gov/ ; https://codeofarrules.arkansas.gov/Rules/Search","Actual scope, dates, status, and limits":"G/index: database/search instructions read; bounded indexed searches performed. No responsive CSO operative rule body located. Interactive search form not submitted; negative result is limited."},"coordinator_verification_status":"record_reconciled_unreopened_source_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"source_id":"S_AR-P08-S014","all_original_cells_read":true,"researcher_record_unchanged":true,"fresh_read_map_entries":[],"fresh_failed_events":[],"dated_family_support":[],"status":"Source record reconciled, underlying source not reopened","all_primary_source_accepted":false,"all_original_dates_versions_failures_secondary_and_application_limits_retained":true}},{"source_id":"S_AR-P08-S015","urls":["https://www.arkleg.state.ar.us/ArkansasLaw","https://www.arkleg.state.ar.us/ArkansasLaw?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_AR-P08-S015","Issuer/title/direct HTTPS URL":"Legislature, Arkansas Law index. https://www.arkleg.state.ar.us/ArkansasLaw","Actual scope, dates, status, and limits":"Official index read; external Code link identified. Current §202 body not obtained from that service. Previously blocked portal was not repeatedly retried."},"coordinator_verification_status":"record_reconciled_unreopened_source_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"source_id":"S_AR-P08-S015","all_original_cells_read":true,"researcher_record_unchanged":true,"fresh_read_map_entries":[],"fresh_failed_events":[],"dated_family_support":[],"status":"Source record reconciled, underlying source not reopened","all_primary_source_accepted":false,"all_original_dates_versions_failures_secondary_and_application_limits_retained":true}},{"source_id":"S_AR-P08-S016","urls":["https://www.sos.arkansas.gov/site/page/Security","https://www.sos.arkansas.gov/site/page/Security?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_AR-P08-S016","Issuer/title/direct HTTPS URL":"Secretary of State public forms index. https://www.sos.arkansas.gov/site/page/Security","Actual scope, dates, status, and limits":"G/index: telephonic-seller form list and links read. Actual forms separately opened below. Not a CSO-specific licensing page."},"coordinator_verification_status":"record_reconciled_unreopened_source_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"source_id":"S_AR-P08-S016","all_original_cells_read":true,"researcher_record_unchanged":true,"fresh_read_map_entries":[],"fresh_failed_events":[],"dated_family_support":[],"status":"Source record reconciled, underlying source not reopened","all_primary_source_accepted":false,"all_original_dates_versions_failures_secondary_and_application_limits_retained":true}},{"source_id":"S_AR-P08-S017","urls":["https://arkansasag.gov/divisions/public-protection/finances/credit-reporting-repair-scams/","https://arkansasag.gov/divisions/public-protection/finances/credit-reporting-repair-scams/?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_AR-P08-S017","Issuer/title/direct HTTPS URL":"Arkansas AG credit-reporting/repair page. https://arkansasag.gov/divisions/public-protection/finances/credit-reporting-repair-scams/","Actual scope, dates, status, and limits":"F: 403. 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Title16 through Oct23,2026."},"coordinator_verification_status":"record_reconciled_unreopened_source_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"source_id":"S_AR-P08-S034","all_original_cells_read":true,"researcher_record_unchanged":true,"fresh_read_map_entries":[],"fresh_failed_events":[],"dated_family_support":[],"status":"Source record reconciled, underlying source not reopened","all_primary_source_accepted":false,"all_original_dates_versions_failures_secondary_and_application_limits_retained":true}},{"source_id":"S_AR-P08-S035","urls":["https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4","https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_AR-P08-S035","Issuer/title/direct HTTPS URL":"16CFR310.4. https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4","Actual portion read":"Material (a)(2)–(5), including exact credit-repair report timing, loan and recovery boundaries. Other conduct provisions not comprehensively analyzed."},"coordinator_verification_status":"selected_primary_passages_with_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"source_id":"S_AR-P08-S035","all_original_cells_read":true,"researcher_record_unchanged":true,"fresh_read_map_entries":[{"chunk":0,"URL":"https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4","packet_character_bounds":[0,7860],"PDF_page_tags":[],"source_id":"S_AR-P08-S035","packet":"[internal evidence reference]","all_returned_numbered_ranges":[[0,121]],"actual_numbered_lines_read":[[69,69]],"whole_error_read":false,"location_or_metadata_only_when_empty":false,"PDFpixels":false},{"chunk":2,"URL":"https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4","packet_character_bounds":[16195,30324],"PDF_page_tags":[],"source_id":"S_AR-P08-S035","packet":"[internal evidence reference]","all_returned_numbered_ranges":[[65,134],[194,229]],"actual_numbered_lines_read":[[100,134]],"whole_error_read":false,"location_or_metadata_only_when_empty":false,"PDFpixels":false}],"fresh_failed_events":[],"dated_family_support":[],"status":"Selectedliteralprimaryparsedbodychecks; not currentalllaw/sourceacceptance","all_primary_source_accepted":false,"all_original_dates_versions_failures_secondary_and_application_limits_retained":true}},{"source_id":"S_AR-P08-S036","urls":["https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.6","https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.6?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_AR-P08-S036","Issuer/title/direct HTTPS URL":"16CFR310.6. https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.6","Actual portion read":"Material complete exemption body, especially (b)(3)–(7). No all-transaction exemption assumed."},"coordinator_verification_status":"record_reconciled_unreopened_source_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"source_id":"S_AR-P08-S036","all_original_cells_read":true,"researcher_record_unchanged":true,"fresh_read_map_entries":[],"fresh_failed_events":[],"dated_family_support":[],"status":"Source record reconciled, underlying source not reopened","all_primary_source_accepted":false,"all_original_dates_versions_failures_secondary_and_application_limits_retained":true}},{"source_id":"S_AR-P08-S037","urls":["https://www.ftc.gov/business-guidance/resources/complying-telemarketing-sales-rule","https://www.ftc.gov/business-guidance/resources/complying-telemarketing-sales-rule?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_AR-P08-S037","Issuer/title/direct HTTPS URL":"FTC, Complying with the TSR. https://www.ftc.gov/business-guidance/resources/complying-telemarketing-sales-rule","Actual portion read":"G: relevant jurisdiction/exemption and credit-repair-payment passages only. Staff guidance, not substitute for current rule; unrelated historic content not adopted."},"coordinator_verification_status":"record_reconciled_unreopened_source_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"source_id":"S_AR-P08-S037","all_original_cells_read":true,"researcher_record_unchanged":true,"fresh_read_map_entries":[],"fresh_failed_events":[],"dated_family_support":[],"status":"Source record reconciled, underlying source not reopened","all_primary_source_accepted":false,"all_original_dates_versions_failures_secondary_and_application_limits_retained":true}},{"source_id":"S_AR-P08-S038","urls":["https://law.justia.com/cases/arkansas/supreme-court/2017/cv-17-103.html","https://law.justia.com/cases/arkansas/supreme-court/2017/cv-17-103.html?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_AR-P08-S038","Court/title/direct HTTPS URL":"Arkansas Supreme Court, Air Evac, 2017 Ark.368. https://law.justia.com/cases/arkansas/supreme-court/2017/cv-17-103.html","Actual body, posture, and limits":"R: operative majority on certified ADTPA question and material dissent/participation information. December14,2017. Unnumbered HTML; no PDF index asserted."},"coordinator_verification_status":"record_reconciled_unreopened_source_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"source_id":"S_AR-P08-S038","all_original_cells_read":true,"researcher_record_unchanged":true,"fresh_read_map_entries":[],"fresh_failed_events":[],"dated_family_support":[],"status":"Source record reconciled, underlying source not reopened","all_primary_source_accepted":false,"all_original_dates_versions_failures_secondary_and_application_limits_retained":true}},{"source_id":"S_AR-P08-S039","urls":["https://www.govinfo.gov/content/pkg/USREPORTS-565/pdf/USREPORTS-565-95.pdf","https://www.govinfo.gov/content/pkg/USREPORTS-565/pdf/USREPORTS-565-95.pdf?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_AR-P08-S039","Court/title/direct HTTPS URL":"U.S. Supreme Court, CompuCredit, 565US95. https://www.govinfo.gov/content/pkg/USREPORTS-565/pdf/USREPORTS-565-95.pdf","Actual body, posture, and limits":"P: material majority printed97–105/PDF2–10; relevant concurrence/dissent and coverage limitation. Images printed99/PDF4 and104/PDF9 inspected. January10,2012."},"coordinator_verification_status":"selected_primary_passages_with_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"source_id":"S_AR-P08-S039","all_original_cells_read":true,"researcher_record_unchanged":true,"fresh_read_map_entries":[{"chunk":3,"URL":"https://www.govinfo.gov/content/pkg/USREPORTS-565/pdf/USREPORTS-565-95.pdf","packet_character_bounds":[18554,25181],"PDF_page_tags":["P0","P0-1","P1","P1-2","P2"],"source_id":"S_AR-P08-S039","packet":"[internal evidence reference]","all_returned_numbered_ranges":[[0,85]],"actual_numbered_lines_read":[],"whole_error_read":false,"location_or_metadata_only_when_empty":true,"PDFpixels":false},{"chunk":0,"URL":"https://www.govinfo.gov/content/pkg/USREPORTS-565/pdf/USREPORTS-565-95.pdf","packet_character_bounds":[0,8072],"PDF_page_tags":["P3","P3-4","P4","P4-5","P5","P5-6","P6"],"source_id":"S_AR-P08-S039","packet":"[internal evidence reference]","all_returned_numbered_ranges":[[108,199]],"actual_numbered_lines_read":[[108,199]],"whole_error_read":false,"location_or_metadata_only_when_empty":false,"PDFpixels":false},{"chunk":1,"URL":"https://www.govinfo.gov/content/pkg/USREPORTS-565/pdf/USREPORTS-565-95.pdf","packet_character_bounds":[8152,16115],"PDF_page_tags":["P6","P6-7","P7","P7-8","P8","P8-9","P9"],"source_id":"S_AR-P08-S039","packet":"[internal evidence reference]","all_returned_numbered_ranges":[[213,302]],"actual_numbered_lines_read":[[213,302]],"whole_error_read":false,"location_or_metadata_only_when_empty":false,"PDFpixels":false}],"fresh_failed_events":[],"dated_family_support":[],"status":"Selectedliteralprimaryparsedbodychecks; not currentalllaw/sourceacceptance","all_primary_source_accepted":false,"all_original_dates_versions_failures_secondary_and_application_limits_retained":true}},{"source_id":"S_AR-P08-S040","urls":["https://www.ca1.uscourts.gov/sites/ca1/files/opnfiles/04-2039-01A.pdf","https://www.ca1.uscourts.gov/sites/ca1/files/opnfiles/04-2039-01A.pdf?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_AR-P08-S040","Court/title/direct HTTPS URL":"First Circuit, Zimmerman, 409F3d473. https://www.ca1.uscourts.gov/sites/ca1/files/opnfiles/04-2039-01A.pdf","Actual body, posture, and limits":"P: published majority, material printed4–14/PDF3–13, image printed13/PDF12. May31,2005. Footnote10 burden issue expressly unresolved. Disclosed comparison."},"coordinator_verification_status":"record_reconciled_unreopened_source_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"source_id":"S_AR-P08-S040","all_original_cells_read":true,"researcher_record_unchanged":true,"fresh_read_map_entries":[],"fresh_failed_events":[],"dated_family_support":[],"status":"Source record reconciled, underlying source not reopened","all_primary_source_accepted":false,"all_original_dates_versions_failures_secondary_and_application_limits_retained":true}},{"source_id":"S_AR-P08-S041","urls":["https://cdn.ca9.uscourts.gov/datastore/opinions/2014/02/21/10-56887.pdf","https://cdn.ca9.uscourts.gov/datastore/opinions/2014/02/21/10-56887.pdf?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_AR-P08-S041","Court/title/direct HTTPS URL":"Ninth Circuit, Stout, 743F3d680. https://cdn.ca9.uscourts.gov/datastore/opinions/2014/02/21/10-56887.pdf","Actual body, posture, and limits":"P: published majority, material facts and printed11–19/PDF10–18; images printed14/PDF13 and19/PDF18. February21,2014. Disclosed comparison."},"coordinator_verification_status":"record_reconciled_unreopened_source_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"source_id":"S_AR-P08-S041","all_original_cells_read":true,"researcher_record_unchanged":true,"fresh_read_map_entries":[],"fresh_failed_events":[],"dated_family_support":[],"status":"Source record reconciled, underlying source not reopened","all_primary_source_accepted":false,"all_original_dates_versions_failures_secondary_and_application_limits_retained":true}},{"source_id":"S_AR-P08-S042","urls":["https://www.govinfo.gov/content/pkg/USCODE-2016-title15/pdf/USCODE-2016-title15-chap41-subchapIII-sec1681a.pdf","https://www.govinfo.gov/content/pkg/USCODE-2016-title15/html/USCODE-2016-title15-chap41-subchapIII-sec1681a.htm"],"researcher_record":{"Source ID":"S_AR-P08-S042","Court/title/direct HTTPS URL":"Attempted official historical CRA definition. https://www.govinfo.gov/content/pkg/USCODE-2016-title15/pdf/USCODE-2016-title15-chap41-subchapIII-sec1681a.pdf ; https://www.govinfo.gov/content/pkg/USCODE-2016-title15/html/USCODE-2016-title15-chap41-subchapIII-sec1681a.htm","Actual body, posture, and limits":"F: neither route supplied the required frozen body. Current S031 does not cure that historical incorporation gap."},"coordinator_verification_status":"record_reconciled_unreopened_source_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"source_id":"S_AR-P08-S042","all_original_cells_read":true,"researcher_record_unchanged":true,"fresh_read_map_entries":[],"fresh_failed_events":[],"dated_family_support":[],"status":"Source record reconciled, underlying source not reopened","all_primary_source_accepted":false,"all_original_dates_versions_failures_secondary_and_application_limits_retained":true}},{"source_id":"S_AR-P08-S043","urls":["https://www.arkleg.state.ar.us/Assembly/2017/2017R/Pages/SessionSummary.aspx"],"researcher_record":{"Source ID":"S_AR-P08-S043","Court/title/direct HTTPS URL":"Attempted 2017 session summary. https://www.arkleg.state.ar.us/Assembly/2017/2017R/Pages/SessionSummary.aspx","Actual body, posture, and limits":"F: no usable body obtained. Exact default commencement of Act944 remains held; no guessed date adopted."},"coordinator_verification_status":"record_reconciled_unreopened_source_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"source_id":"S_AR-P08-S043","all_original_cells_read":true,"researcher_record_unchanged":true,"fresh_read_map_entries":[],"fresh_failed_events":[],"dated_family_support":[],"status":"Source record reconciled, underlying source not reopened","all_primary_source_accepted":false,"all_original_dates_versions_failures_secondary_and_application_limits_retained":true}},{"source_id":"S_AR-P08-S044","urls":["https://opinions.arcourts.gov/ark/supremecourt/en/nav_date.do","https://www.supremecourt.gov/opinions/11pdf/10-948.pdf"],"researcher_record":{"Source ID":"S_AR-P08-S044","Court/title/direct HTTPS URL":"Official judicial access attempts. https://opinions.arcourts.gov/ark/supremecourt/en/nav_date.do ; https://www.supremecourt.gov/opinions/11pdf/10-948.pdf","Actual body, posture, and limits":"F: Arkansas route did not provide the needed body; SCOTUS URL returned404. S038 is disclosed reproduction; S039 official govinfo alternative succeeded."},"coordinator_verification_status":"record_reconciled_unreopened_source_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"source_id":"S_AR-P08-S044","all_original_cells_read":true,"researcher_record_unchanged":true,"fresh_read_map_entries":[],"fresh_failed_events":[],"dated_family_support":[],"status":"Source record reconciled, underlying source not reopened","all_primary_source_accepted":false,"all_original_dates_versions_failures_secondary_and_application_limits_retained":true}},{"source_id":"S_AR-P08-S045","urls":["https://arkleg.state.ar.us/Acts/FTPDocument?ddBienniumSession=1993%2FR&file=137.pdf&path=%2FACTS%2F1993%2FPublic%2F","https://arkleg.state.ar.us/Acts/FTPDocument?ddBienniumSession=1993%2FR&file=137.pdf&path=%2FACTS%2F1993%2FPublic%2F&utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_AR-P08-S045","Issuer/title/direct HTTPS URL":"Arkansas General Assembly, Act137 of1993. https://arkleg.state.ar.us/Acts/FTPDocument?ddBienniumSession=1993%2FR&file=137.pdf&path=%2FACTS%2F1993%2FPublic%2F","Actual scope, version, effect, and limits":"P: selected definition, registration/security and emergency provisions. Definition printed2/PDF1 image; §13 printed10/PDF9 and §17 printed11/PDF10 read. Approved/effective under emergency clause February16,1993; later amendments necessary."},"coordinator_verification_status":"record_reconciled_unreopened_source_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"source_id":"S_AR-P08-S045","all_original_cells_read":true,"researcher_record_unchanged":true,"fresh_read_map_entries":[],"fresh_failed_events":[],"dated_family_support":[],"status":"Source record reconciled, underlying source not reopened","all_primary_source_accepted":false,"all_original_dates_versions_failures_secondary_and_application_limits_retained":true}},{"source_id":"S_AR-P08-S046","urls":["https://arkleg.state.ar.us/Home/FTPDocument?path=%2FACTS%2F2017R%2FPublic%2FACT728.pdf","https://arkleg.state.ar.us/Home/FTPDocument?path=%2FACTS%2F2017R%2FPublic%2FACT728.pdf&utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_AR-P08-S046","Issuer/title/direct HTTPS URL":"Act728 of2017. https://arkleg.state.ar.us/Home/FTPDocument?path=%2FACTS%2F2017R%2FPublic%2FACT728.pdf","Actual scope, version, effect, and limits":"P: §§1–8, material text/images printed1–4/PDF0–3 and6/PDF5. 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