{"meta":{"key":"s_ar--pass-16","task":"S_AR","title":"Arkansas consumer motor-vehicle secured loans: default, repossession, disposition, redemption, surplus, and deficiency","parent_title":"Arkansas debt and debt relief law","edition":"pass-16","path":"/research/s_ar--pass-16/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-27","tables":28,"claims":112,"sources":39,"review_status":"reviewed_scoped_partial_revise_UNSENT","review_complete":true,"sha256":"264970aeb1a0bf18146db0dbaf0a8441f1d896cd2e3649d8ade026a72b924f98","headings":["Arkansas consumer motor-vehicle secured loans: default, repossession, disposition, redemption, surplus, and deficiency","Principal findings","A1. Definitions and classification matrix","A2. Attachment, perfection, priority, and repossession are separate","The conditional 2025 title amendment","A3. Narrow licensing gates","B1. Default and cure","Course of dealing: Morgan and Minor","B2. Right to take versus lawful manner","Police participation: exact limits of the current federal case","B3. Personal belongings and care of collateral","B4. Judicial recovery and federal boundaries","C1. Version and transition matrix","C2. Notice recipients, timing, contents, and method","The actual revised statutory form","C3. Sale quality and purchaser limits","D1. Separate alternatives","D2. Sixty-percent and ninety-day rules","E1. Cash and obligation matrix","E2. Consumer surplus/deficiency explanation","E3. Consumer deficiency consequences","E4. Remedy matrix","M01 — Actual proceeds, expenses, credits, surplus or deficiency","Common assumptions","Higher-sale branch","Lower-sale branch","Refund/credit branch","M02 — Consumer notice timing versus the nonconsumer safe harbor","Stipulated sequence","Working branch","Adverse branches","M03 — Redemption, reinstatement, and acceptance are alternatives","A. Redemption","B. Contractual reinstatement","C. Full acceptance","D. Mandatory-disposition threshold","M04 — Defective notice/sale, deficiency dispute, and potential remedy","Deficiency branch","Statutory-minimum illustration","Register conventions","I1. UCC enactments and operative sections","I2. Vehicle, licensing, judicial, and federal sources","I3. Published opinions","I4. S040 — Failed and discovery-only routes","J1. Classification, title, and actors","J2. Default, peace, judicial recovery, and federal boundaries","J3. Version, notice, and sale","J4. Redemption, accounting, remedies, and models","K1. Core coverage — 32 rows","K2. Workflow coverage — 12 rows","K3. Currentness/source coverage — 8 rows","K4. Model coverage — 4 rows","K5. Territorial and actual-record holds — 6 rows","K6. Deferred families — 10 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-16","facets":{"geography":["us","us-ar"],"debt_type":["auto"],"stage":["repossession"],"subject":["foreclosure-repossession"]},"scope":"ReviewedP01exactsecuredsectorhold+explicitparentvehicles/repo/deficiency narrowed consumer vehicle default/repossession/disposition/redemption/surplus-deficiency only; P04–06/P08–15unreviewednotpremises","pending_corrections":1},"markdown":"# SettleADebt — S_AR PASS-16\n\n## Arkansas consumer motor-vehicle secured loans: default, repossession, disposition, redemption, surplus, and deficiency\n\n**Research/access date:** **October 27, 2026, Pacific and UTC.** Session clock checks recorded **10:23:26 PDT / 17:23:26 UTC**, **10:37:38 PDT / 17:37:38 UTC**, and **10:43:47 PDT / 17:43:47 UTC**. These are session checkpoints, not individual source-opening timestamps. Exact opening times for individual sources are unknown.\n\n**Provenance:** Earlier raw answers remain unchanged. No legal conclusion from an unreviewed earlier pass was adopted. No actual vehicle, title, loan, security agreement, military status, repossession, sale, or account was examined.\n\n**Scope:** Ordinary natural-person vehicle purchase financing and secured loans, with classification and special-law boundaries retained. This report does not determine anyone’s eligibility, default, authority, right to repossess, deficiency liability, or remedy.\n\n## Principal findings\n\n**The September 1, 2026 UCC changes matter.** Act 997 replaces “authenticated” with “signed” in material provisions and revises the consumer disposition-notice form and explanation provisions. Its special Article 9 transition generally reaches preexisting transactions, but excludes proceedings commenced before the stated effective date. An older contract does not, by itself, establish that every older procedural provision continues unchanged. **C043–C046.** [Arkansas Legislature+1](https://arkleg.state.ar.us/Home/FTPDocument?path=%2FACTS%2F2025R%2FPublic%2FACT997.pdf)\n\n**The ten-day disposition-notice safe harbor is not a consumer rule.** Section 4-9-612(b) expressly applies to transactions other than consumer transactions. Consumer notice timing remains a reasonableness question under the text examined; no universal ten-day consumer grace period or sale permission is established. **C050–C051.** [law.justia.com](https://law.justia.com/codes/arkansas/title-4/subtitle-1/chapter-9/part-6/subpart-1/section-4-9-612/)\n\n**Default, entitlement to possession, and the manner of repossession are separate questions.** *Minor* addresses particular nonwaiver and no-unwritten-modification provisions. *Brewer*, *Baldwin*, *Herring*, and *Williams* examine materially different repossession conduct. None establishes that a contract’s repossession clause authorizes force, every entry onto premises, or retention of all belongings found inside the vehicle. **C019–C035.** [Justia Law+2](https://cases.justia.com/arkansas/supreme-court/45302.pdf?ts=1462299958)\n\n**Redemption, reinstatement, and acceptance of collateral are different outcomes.** Statutory redemption ordinarily requires tender of all secured obligations and qualifying expenses. Contractual reinstatement may require less, but must be established. Keeping or surrendering the vehicle is not automatically acceptance in full satisfaction. Consumer transactions cannot use Article 9 acceptance in partial satisfaction. **C065–C077.** [Justia Law+1](https://law.justia.com/codes/arkansas/title-4/subtitle-1/chapter-9/part-6/subpart-1/section-4-9-623/)\n\n**The current statute deliberately separates consumer deficiency rules from the nonconsumer formula.** Section 4-9-626(a)’s rebuttable-proceeds framework is expressly nonconsumer. Subsection (b) leaves the proper consumer rule to the court and permits established approaches. Arkansas’s older no-notice and inadequate-sale-proof cases remain important, but their historical provisions and actual holdings must be preserved. **C099–C102.** [Justia Law+1](https://law.justia.com/codes/arkansas/title-4/subtitle-1/chapter-9/part-6/subpart-2/section-4-9-626/)\n\n**A sale’s arithmetic is not proof of its legality.** The creditor must distinguish actual proceeds, reasonable authorized expenses, secured obligations, qualifying subordinate claims, credits, and surplus. An expected GAP or service-contract refund is not automatically cash received; a known legal entitlement to a credit is also not necessarily postponed until cash arrives. **C078–C090.** [Justia Law+1](https://law.justia.com/codes/arkansas/title-4/subtitle-1/chapter-9/part-6/subpart-1/section-4-9-615/)\n\nCurrentness is **partially authenticated**, not comprehensively certified. Selected official enactments, official codified rules, federal statutes, and published opinion bodies were read. Several integrated Arkansas statutes remain dated secondary reproductions.\n\nIn the tables below, **S001** means **S_AR-P16-S001**, and **C001** means **S_AR-P16-C001**. The source register supplies full literal HTTPS URLs and reading limits.\n\n# A. Transaction, actor, collateral, and title gates\n\n## A1. Definitions and classification matrix\n\n| Question | Governing distinction | Required facts and limits |\n| --- | --- | --- |\n| **Article 9 transaction** | Section 4-9-109 generally covers a transaction, regardless of form, creating a contractual security interest in personal property. | Federal preemption and the section’s exclusions remain operative. A statutory towing lien is not automatically the same interest as the lender’s consensual security interest. **C001.** |\n| **Consumer goods** | Goods used or bought primarily for personal, family, or household purposes. | The vehicle’s actual primary purpose matters. An individual owner does not make a business vehicle consumer goods. **C002.** |\n| **Consumer transaction** | An individual incurs the obligation primarily for personal, family, or household purposes, a security interest secures it, and collateral is held or acquired primarily for those purposes. | Obligation purpose and collateral purpose are separate predicates. **C002.** |\n| **Consumer-goods transaction** | A consumer transaction in which an individual’s obligation is secured by consumer goods. | This classification controls several notice, redemption-waiver, acceptance, and explanation rules. **C002.** |\n| **Debtor** | A person with the relevant nonlien interest in collateral, whether or not personally obligated. | Ownership and payment liability can reside in different people. **C003.** |\n| **Obligor / secondary obligor** | Payment or performance liability, including the specified secondary-obligation relationship. | A title owner, borrower, guarantor, and cosigner are not automatically interchangeable. **C004.** |\n| **Secured party / agent** | The actual security interest and statutory representative categories must be established. | A servicer’s name or collection demand does not prove ownership, enforcement rights, or repossession authority. **C005.** |\n| **True lease** | Section 4-1-203 applies its economic-substance and nonterminability tests. | A document called a lease may create security; a purchase option or allocation of expenses alone does not settle every case. **C006.** |\n| **Title retention** | Retention or reservation of title by a seller is treated as a security-interest issue under the applicable UCC text. | “We still own the car” does not bypass default, peaceful-possession, notice, or sale requirements. **C007.** |\n| **Purchase-money interest** | Section 9-103 ties the interest to the purchase-money obligation and collateral. | Refinancing, mixed debt and cross-collateral terms require actual tracing and applicable law. **C008–C010.** |\n| **Consumer refinancing** | Section 9-103’s specified nonconsumer continuation/allocation rules are not automatically transplanted into consumer-goods transactions. | Subsection (h) leaves the proper consumer rule to the court. **C009.** |\n| **Nonpurchase vehicle collateral / title loan** | May create an Article 9 security interest, but can have different purchase-money and compulsory-disposition consequences. | Full title-loan licensing, rate, and specialized protection regimes remain held. **C008–C010.** |\n\nSection 4-9-201 preserves other applicable consumer law and does not validate a charge or practice prohibited elsewhere. Article 9 is not a general lending license or an interest-rate authorization. [FindLaw+2](https://codes.findlaw.com/ar/title-4-business-and-commercial-law/ar-code-sect-4-9-109/)\n\n## A2. Attachment, perfection, priority, and repossession are separate\n\n| Legal object | Necessary inquiry | What does not prove it automatically |\n| --- | --- | --- |\n| **Attachment/enforceability** | Value, debtor’s rights or power to transfer rights, and the applicable signed-security-agreement or other statutory condition under § 9-203. | A title notation alone. |\n| **Scope of collateral** | Actual description, after-acquired-property and future-advance terms, and § 9-204’s consumer-goods limitation. | A broad account label or unrelated debt balance. |\n| **Perfection** | Section 9-311 and the applicable certificate-of-title statute, including inventory exceptions. | Mere possession of a photocopy or an ordinary UCC filing in every titled-vehicle case. |\n| **Priority** | Competing interests, timing, title/perfection rules and exceptions. | Being first to send a demand. |\n| **Assignment** | Actual transferred rights and authority; § 27-14-908’s assignment/notice provisions where applicable. | Portfolio purchase price or a new servicing name. |\n| **Default remedy** | A present contractual/statutory right after actual default, subject to protected rights and overriding law. | Perfection alone or a registered lienholder name. |\n| **Record-title transfer** | Section 9-619’s transfer statement and the actual motor-vehicle administrative requirements. | Transfer of record title is not itself a disposition or acceptance in satisfaction under § 9-619(c). |\n\n**C011–C015, C063–C064.**\n\n### The conditional 2025 title amendment\n\nAct 926 § 12 makes its **§§ 9 and 10** effective upon the specified certification by the Secretary of the Department of Transformation and Shared Services to the DFA Secretary, filed with the Bureau of Legislative Research and Arkansas Code Revision Commission.\n\nThe occurrence of that certification was **not verified**. Approval on April 21, 2025 does not prove that every conditional section commenced then. The conditional clause also should not be extended to every other section of the act without its text. **C015.** [Arkansas Legislature+1](https://arkleg.state.ar.us/Home/FTPDocument?path=%2FACTS%2F2025R%2FPublic%2FACT926.pdf)\n\n## A3. Narrow licensing gates\n\nThe official posted **27 CAR § 170-106** requires the appropriate repossession/towing business credential and vehicle permits within its scope. It distinguishes:\n\n- A nonconsent towing credential that includes the stated repossession authority.\n- A repossession credential and permit for each tow vehicle.\n- A consent-only vehicle that may not be used for repossession or nonconsent towing.\n\nThe scope and exemptions in §§ 170-101–102 must also be applied. No actual operator, permit, truck, or exemption was checked. A credential does not establish the secured party’s right to this vehicle or authorize an unlawful manner of taking it. **C017–C018.** [Code of Arkansas Rules](https://codeofarrules.arkansas.gov/Rules/Rule?chapterID=226&levelType=section&partID=1021&sectionID=25938&subChapterID=277&subPartID=4166&titleID=27)\n\nFor used-vehicle sales, §§ 23-112-602, 604 and 606 establish a separate dealer framework. The collateral-sale exclusion for a mortgagee or secured party is conditioned on the stated limitation concerning money realized for its own account beyond the secured balance and collection costs. It is not a blanket dealer exemption for every buyer, agent, auction, or finance company. **C016.** [Justia Law](https://law.justia.com/codes/arkansas/title-23/subtitle-4/chapter-112/subchapter-6/section-23-112-602/)\n\nA complete new-dealer, retail-finance, non-towing recovery-agent, private-investigator, bank, or title-loan licensing analysis was not established. Those are explicit actor-specific holds—not findings that no license or restriction exists.\n\n# B. Default, cure, possession, peace, and belongings\n\n## B1. Default and cure\n\nSection 9-609 supplies remedies **after default**; it does not establish the actual default in a particular contract. The agreement, payment history, acceleration terms, amendments, waivers and applicable consumer law must be examined.\n\nNo universal pre-repossession notice, grace period, or reinstatement right was established from the Article 9 bodies read. That is a limited source finding, **not a declaration that no contract, special statute, program, or other law can require one**. **C019–C021.**\n\nSection 4-1-309 separately addresses acceleration “at will” or when a party deems itself insecure: its good-faith belief concerning impairment and burden provisions matter. It is not a universal rule governing every missed-installment acceleration. [Justia Law](https://law.justia.com/codes/arkansas/title-4/subtitle-1/chapter-1/part-3/section-4-1-309/)\n\n### Course of dealing: *Morgan* and *Minor*\n\n**Morgan** upheld the conversion result on the record involving repeated acceptance of late payments and no restored demand for strict compliance. The nonwaiver argument was not properly preserved there.\n\n**Minor**, delivered **May 20, 2010**, answered the later certified question: where the agreement contains both the relevant nonwaiver and no-unwritten-modification provisions, acceptance of late payments does not itself waive future strict compliance in the manner argued. The Supreme Court answered that question and remanded to the Court of Appeals; it did not resolve every other repossession fact or legal issue.\n\nThus, neither “late payments were accepted” nor “the contract says nonwaiver” alone completes the analysis of an actual case. **C022–C024.** [Justia Law+1](https://law.justia.com/cases/arkansas/supreme-court/1993/92-982-0.html)\n\n## B2. Right to take versus lawful manner\n\n| Issue | Text or holding | Fact-sensitive boundary |\n| --- | --- | --- |\n| **Self-help** | Section 9-609(b)(2) permits taking possession without judicial process only without breach of the peace. | Actual entitlement and manner both must be established. |\n| **Judicial recovery** | Section 9-609(b)(1) permits judicial process. | The required court process is not supplied by a private demand or tow order. |\n| **Assembly** | Section 9-609(c) permits the stated agreed requirement to assemble collateral at a reasonably convenient place. | It is not a universal relocation instruction or permission to enter premises. |\n| **Contract waiver** | Sections 9-602–603 limit waiver and agreed standards. The no-breach-of-peace duty cannot simply be defined away. | “Borrower consents to entry” does not resolve every later confrontation or entry. |\n| **Objection and threatened force** | *Brewer* affirmed conversion where the actual confrontation and risk of force made the taking unlawful. | No generic script or tactic is authorized. |\n| **Open driveway** | *Baldwin* found no breach on an open, unenclosed driveway without overcoming a barricade or confrontation. | The court contrasted—not approved—different premises and confrontation facts. |\n| **Nighttime taking** | *Williams* affirmed judgment notwithstanding the verdict on its record without sufficient breach evidence. | The dissent and materially different facts prevent a universal “night repossession is lawful” rule. |\n| **Police involvement** | *Thompson* distinguishes mere peacekeeping from affirmative governmental aid in its federal constitutional analysis. | Qualified immunity and state action are not the same question as Arkansas Article 9 compliance. |\n| **Locked premises / remote immobilization** | No universal lawful method was established. | Actual consent, revocation, physical entry, equipment classification, safety, and applicable law remain held. |\n\n**C025–C032.** [Justia Law+2](https://law.justia.com/cases/arkansas/supreme-court/1961/5-2278-0.html)\n\n### Police participation: exact limits of the current federal case\n\nThe official published **Thompson v. Cockrell** opinion, filed September 17, 2025, concerned a motorcycle taken by people who falsely asserted ownership while officers were present. It was not a proved Article 9 repossession by a valid secured creditor.\n\nThe Eighth Circuit affirmed qualified immunity and distinguished active assistance from mere presence on that record. It did not authorize trespass, establish the takers’ ownership, or hold that police involvement validates a repossession. The opinion’s quoted underlying cases were not separately counted as fresh reads. **C032.** [U.S. Court of Appeals+1](https://ecf.ca8.uscourts.gov/opndir/25/09/242120P.pdf)\n\n## B3. Personal belongings and care of collateral\n\n*Herring* distinguishes repossession of the secured vehicle from later retention of noncollateral belongings after demand. *Baldwin* similarly required further consideration of personal property despite its no-breach conclusion concerning the vehicle’s removal.\n\nSection 9-207 imposes reasonable-care duties for collateral in possession. It does not automatically make every object inside the car collateral. Actual ownership, the security description, inventory, custody, demand, access and return facts matter. **C033–C035.**\n\nAct 932’s personal-content provisions arise in the **statutory towing possessory-lien setting**. Their listed no-charge items, other-content conditions, and invoice-credit provisions must not be converted into a universal fee for retrieving belongings from an ordinary lender repossession. This report does not authorize such a fee. **C034.** [Justia Law+1](https://law.justia.com/cases/arkansas/supreme-court/1979/79-251-0.html)\n\n## B4. Judicial recovery and federal boundaries\n\nThe examined replevin provisions distinguish a petition, notice and hearing, proof of a prima facie immediate right, emergency custody provisions, an alternative clerk-notice route, affidavit, order and bond.\n\nSection 18-60-808’s five-day text excludes Sundays and legal holidays, but its complete interaction with current civil rules was not authenticated. It is **not** presented as the universal answer period for a vehicle lawsuit. The older statutory arrest language was not treated as operational authority. **C036–C039.**\n\nThe necessary federal boundaries were freshly read:\n\n- **50 U.S.C. § 3952:** qualifying pre-service installment/purchase/lease/bailment transactions can require a court order for the addressed repossession during military service.\n- **Section 3918:** the relevant waiver has separate execution, instrument-identification and formatting predicates; a routine original loan clause is not presumed sufficient.\n- **11 U.S.C. § 362:** specified possession, lien-enforcement and collection acts can be stayed; exceptions, duration, repeat-filing provisions, and relief from stay matter.\n\nNo actual service or bankruptcy status was queried. No universal vehicle-return duty, permanent stay, discharge, or military eligibility determination is made. **C040–C042.** [US Code+2](https://uscode.house.gov/us/usc/119-124/t50/s3952/)\n\n# C. Post-possession notice and commercially reasonable disposition\n\n## C1. Version and transition matrix\n\n| Authority | Material effect verified | Limit |\n| --- | --- | --- |\n| **Act 1439 of 2001** | Revised Article 9 effective **July 1, 2001**; saving provisions examined. | Older cases often apply former §§ 9-503–507. Their text must be compared with current provisions. |\n| **Act 997 of 2025** | Effective **September 1, 2026**; material signed-record, consumer-form, explanation, acceptance and waiver changes. | Approval was April 22, 2025; not the effective date. |\n| **§ 4-12A-301 transition** | Chapter 9 amendments generally apply to prior transactions, subject to the part’s qualifications. | They do not affect an action, case or proceeding commenced before September 1, 2026. |\n| **Adjustment provisions** | Certain transition/perfection/priority provisions have their own dates. | September 1, 2027 is not a universal consumer-notice grace date. |\n| **Dated mirrors** | Several pages explicitly state “effective until September 1, 2026.” | Their unchanged portions can be compared, but changed wording must come from the enacted amendment. |\n\n**C043–C046.** The official redlines and relevant PDF pages were visually inspected to distinguish deleted text from new text. [Arkansas Legislature+2](https://arkleg.state.ar.us/Acts/FTPDocument?ddBienniumSession=2001%2FR&file=1439.pdf&path=%2FACTS%2F2001%2FPublic%2F)\n\n## C2. Notice recipients, timing, contents, and method\n\n| Issue | Rule examined | Consequence |\n| --- | --- | --- |\n| **Who receives disposition notice?** | Section 9-611 requires the debtor and any secondary obligor, subject to exceptions and valid waiver. | Title ownership and personal liability must be classified; one borrower’s notice does not automatically cover another required recipient. |\n| **Other lienholders** | The additional § 611(c)(3) list is expressly for collateral **other than consumer goods**. | Do not import or omit recipients without the proper category. Acceptance under § 621 has its own recipient rules. |\n| **Exceptions** | Perishable goods, threatened speedy decline, or a recognized-market type can invoke § 611(d). | An ordinary used car is not automatically within an exception because vehicles depreciate or have price guides. |\n| **Timing** | Section 9-612(a) makes reasonableness factual; subsection (b)’s ten-day safe harbor excludes consumer transactions. | Ten elapsed days is not a universal consumer compliance certificate. |\n| **Waiver** | Section 9-624(a) permits the stated signed post-default agreement. | Original-contract boilerplate is not automatically a valid disposition-notice waiver. |\n| **Consumer contents** | Section 9-614 adds deficiency information, redemption telephone number and additional-information contact to § 613(a)(1)’s required content. | Consumer-specific requirements cannot be replaced by a nonconsumer form alone. |\n| **Public sale** | Notice must supply the applicable time and place. | “After a date” is not the same public-sale information. |\n| **Private sale** | Notice uses the time after which the disposition will occur. | A dealers-only auction can be private under *Beard*’s actual access facts; “auction” alone does not decide the category. |\n| **Method** | Current § 611 requires sending a reasonable signed notification. | Proper sending, destination, signature/record and method must be proved. Actual receipt and sending are not interchangeable concepts. |\n| **Form safe harbor** | Current § 614(a)(3), completed according to its instructions, supplies sufficient information. | It does not prove timely sending, correct facts, lawful repossession, reasonable sale, or every other law’s compliance. |\n| **Minor errors** | Act 997 deleted the former additional paragraphs in § 614; current § 616 retains its own substantial-compliance/minor-error wording. | Do not borrow the explanation provision’s qualification to declare every defective consumer sale notice sufficient. |\n\n**C047–C057.** [Justia Law+2](https://law.justia.com/codes/arkansas/title-4/subtitle-1/chapter-9/part-6/subpart-1/section-4-9-611/)\n\n### The actual revised statutory form\n\nThe enacted form and instructions were read as law, not filled out. They distinguish public and private disposition, explain possible surplus/deficiency, provide a redemption contact, and allow the specified written/electronic explanation options.\n\nIts simplified statement about getting property back before sale must be read with § 9-623’s actual cutoff, which can include a **contract for disposition before the physical sale**. A form’s shorthand does not create a later redemption right contrary to the operative section. **C054, C066.**\n\n## C3. Sale quality and purchaser limits\n\nSection 9-610 requires every aspect—method, manner, time, place and other terms—to be commercially reasonable. A higher possible price elsewhere does not alone establish unreasonableness under § 9-627; neither does a low price immunize the sale when other evidence shows defective exposure, delay, condition handling, buyer relationships or process.\n\n*Prince* affirmed summary judgment where the creditor supplied detailed sale proof and the debtor offered only inadequate-price assertions. *Greenlee* reversed a deficiency where the creditor supplied virtually no proof of the sale’s method, condition, advertising or process. These are different evidentiary records, not conflicting universal rules. **C058–C061.** [Justia Law+1](https://law.justia.com/cases/arkansas/court-of-appeals/1997/ca97-76.html)\n\nSection 9-610(c) restricts when the secured party itself can purchase at a private disposition. Section 9-615(f) addresses a materially low-price transfer to the secured party, a related person, or a secondary obligor. Section 9-617 addresses a transferee’s rights and good-faith protection.\n\nA commercially reasonable disposition generally discharges the enforcing and subordinate interests specified in § 617; it does not automatically erase senior interests. Section 9-615(g) also contains a particular good-faith/no-knowledge rule concerning proceeds and non-subordinate claims. **C062–C064, C081–C083.**\n\n# D. Redemption, reinstatement, acceptance, and mandatory sale\n\n## D1. Separate alternatives\n\n| Route | Required event and amount | Result and limit |\n| --- | --- | --- |\n| **Redemption — § 623** | Eligible debtor, secondary obligor or other secured party/lienholder tenders all secured obligations and the qualifying reasonable expenses/fees. | Not merely past-due installments unless that is the entire lawful secured amount. |\n| **Redemption cutoff** | Before collection under § 607, disposition **or contract for disposition**, or acceptance under § 622. | A request alone is not necessarily tender; actual timing and qualifying amount matter. |\n| **Reinstatement** | Actual contractual or independently applicable legal right to cure and restore installments. | Not supplied as a universal Article 9 right. |\n| **Full acceptance** | Section 620’s actual secured-party consent/proposal, debtor consent, possession and objection conditions. | Physical possession alone does not equal acceptance. |\n| **Partial acceptance** | The statutory partial-satisfaction mechanism cannot be used in a consumer transaction. | A consumer settlement must not be relabeled as a prohibited Article 9 partial acceptance. |\n| **Consumer consent** | Signed post-default agreement, or the stated full-satisfaction proposal and absence of a timely signed objection. | Consumer goods must not remain in the debtor’s possession when the debtor consents. |\n| **Other interests** | Section 621’s separate proposal-recipient requirements and § 620(d)’s objection periods. | Do not carry the consumer disposition-recipient limitation into acceptance automatically. |\n| **Effect of valid acceptance** | Section 622 discharges the obligation to the extent consented to and transfers/discharges the specified interests. | It is not an actual cash payment; senior interests and other law remain separate. |\n\n**C065–C077.** [Justia Law+2](https://law.justia.com/codes/arkansas/title-4/subtitle-1/chapter-9/part-6/subpart-1/section-4-9-623/)\n\n## D2. Sixty-percent and ninety-day rules\n\nFor consumer goods in the secured party’s possession:\n\n- **Purchase-money interest:** the threshold is **60% of the cash price paid**.\n- **Nonpurchase-money interest:** the threshold is **60% of the principal amount of the secured obligation paid**.\n- Where the requirement applies, § 620(f) requires disposition within **90 days after possession**, or the specified longer period agreed to after default by the debtor and all secondary obligors.\n- Section 624(b) permits the stated signed post-default waiver of compulsory disposition.\n- Section 624(c) does not permit a redemption waiver in a consumer-goods transaction.\n\nThese are different bases and different permissions. The cash price, original principal, amount paid, post-default agreement and relevant parties must be established. No live ninety-day deadline is calculated. **C067, C073–C075.** [Arkansas Legislature+2](https://arkleg.state.ar.us/Home/FTPDocument?path=%2FACTS%2F2025R%2FPublic%2FACT997.pdf)\n\n# E. Proceeds, explanation, deficiency, and remedies\n\n## E1. Cash and obligation matrix\n\n| Item | Governing treatment | Proof required |\n| --- | --- | --- |\n| **Actual cash proceeds** | Apply under § 615’s order. | Actual sale price and receipt—not an estimate, reserve, asking price or uncompleted sale. |\n| **Expenses** | Reasonable retaking, holding, preparation, processing and disposition expenses; legal fees only to the extent agreed and not prohibited. | Actual amount, reasonableness, relation to disposition and legal authority. |\n| **Secured obligation** | Apply proceeds to obligations secured by the interest under which sale occurred. | Actual balance, secured scope, lawful interest/fees, acceleration and credits. |\n| **Subordinate claims** | Apply the statutory signed-demand and proof conditions. | Priority, timely demand and reasonable proof when requested. |\n| **Senior claims** | Not automatically part of § 615(a)’s junior-demand allocation. | Actual priority, title, sale and good-faith/no-knowledge conditions. |\n| **Noncash proceeds/trade-in** | Section 615(c) and *Thrower* require commercially reasonable treatment. | A dealer’s artificial allowance is not automatically the trade-in’s actual value. |\n| **Related-party low-price sale** | Section 615(f) can use the compliant unrelated-sale amount. | Related transferee and significant price shortfall must be proved. |\n| **Surplus** | Account to and pay the debtor after the required applications, subject to the section’s exceptions. | Correct recipient and all valid priority claims. |\n| **Deficiency** | Section 615 states liability subject to applicable defenses and noncompliance consequences. | Arithmetic does not establish an enforceable judgment. |\n| **Rebates/refunds** | Section 616 requires known credits to which the obligor is entitled that are not already reflected. | Contract/statute, amount and entitlement; expected third-party cash is not automatically a current receipt. |\n| **GAP/service contract/insurance** | Separate contract and statutory regimes can affect credits or coverage. | No universal automatic cancellation, refund, GAP payment or debt elimination was established. |\n\n**C078–C086.** [Justia Law+1](https://law.justia.com/codes/arkansas/title-4/subtitle-1/chapter-9/part-6/subpart-1/section-4-9-615/)\n\nThe receivables-sale provisions in §§ 601(g) and 615(e) must not be used as an automatic exemption from duties when enforcing the underlying consumer vehicle interest. The buyer–seller receivables transaction and the consumer collateral obligation are distinct relationships requiring actual classification. **C085.**\n\n## E2. Consumer surplus/deficiency explanation\n\nCurrent § 616 requires the pertinent explanation after disposition and before or with the specified surplus accounting/payment or first demand **in a record** for the deficiency. A qualifying post-disposition request creates the additional **fourteen-day after receipt** requirement. For a consumer obligor liable for a deficiency, the statute permits the stated record waiving the deficiency instead of the requested explanation.\n\nThe required sequence includes:\n\n1. Secured obligations as of the permitted reference date.\n2. Disposition proceeds.\n3. The subtraction subtotal.\n4. Known disposition-related expenses.\n5. Known credits/rebates not already included.\n6. Surplus or deficiency.\n\nThe reference date is not more than thirty-five days before possession after default, or the specified disposition-based alternative. That thirty-five-day rule is an accounting reference—not a cure period or sale-notice window.\n\nSection 616(e) provides the specified free-response entitlement during a six-month period and limits additional-response charges to $25. Its exact prior-explanation condition must be applied; this is not permission to charge for every initial explanation. **C087–C090.** [Justia Law](https://law.justia.com/codes/arkansas/title-4/subtitle-1/chapter-9/part-6/subpart-1/section-4-9-616/)\n\n## E3. Consumer deficiency consequences\n\nSection 626(a)’s nonconsumer formula cannot be copied into a household-car case. Subsection (b) expressly leaves consumer rules to the court and allows established approaches.\n\nThe published Arkansas cases provide an important established approach:\n\n- **Hallett:** under former Article 9, admitted failure to give required notice barred the deficiency; the court rejected the former rebuttable-presumption approach for that posture.\n- **Greenlee:** the creditor failed to prove commercially reasonable disposition and was not entitled to the deficiency judgment.\n- **Prince/Beard:** adequate evidence supported the sale result on the respective records.\n\nBut *Greenlee*’s footnote discusses a pre-2001 agreement and a post-2001 sale while comparing old and new language; it is not a complete construction of every current consumer remedy under §§ 625–628. No categorical conclusion that every defect causes every remedy—or that current consumer law must use the nonconsumer formula—is supplied. **C099–C102.** [Justia Law+1](https://law.justia.com/codes/arkansas/title-4/subtitle-1/chapter-9/part-6/subpart-2/section-4-9-626/)\n\n## E4. Remedy matrix\n\n| Remedy | Statutory predicate | Limit |\n| --- | --- | --- |\n| Court order restraining or directing enforcement/disposition | Established failure to proceed according to Article 9. | Appropriate terms; no automatic injunction. |\n| Actual loss damages | Causation and qualifying claimant status. | Includes specified financing-related losses, but actual proof is required. |\n| Consumer-goods statutory minimum | Qualifying debtor or secondary obligor and failure within the applicable part. | Credit-service-charge + 10% principal **or** time-price-differential + 10% cash price, as applicable; not both automatically. |\n| Explanation-only failure | Section 628(d) excludes the § 625(c)(2) minimum solely for § 616 noncompliance. | Other specifically available remedies require their own predicates. |\n| Repeated statutory minimum | Section 628(e) limits it to once per secured obligation. | No per-letter or per-day multiplication inferred. |\n| $500 explanation-related remedy | Section 625(e)(5) requires the stated pattern/practice for § 616(b)(1); (e)(6) addresses § 616(b)(2). | Not every typo or isolated missing field automatically produces $500. |\n| Deficiency reduction plus damages | Section 625(d) contains its own recovery limitation where deficiency is eliminated/reduced under § 626. | Consumer applicability and other theories require analysis; no automatic stacking or net award. |\n| Knowledge/classification limitations | Section 628 contains actual-knowledge and reasonable-reliance predicates, as amended. | A self-serving “business purpose” label does not establish reasonable reliance. |\n| Attorney fees/tort remedies | A separate applicable legal basis is required. | *Morgan* reversed a fee award based on treating a conversion action as contract recovery. |\n\n**C093–C104.** [Justia Law+1](https://law.justia.com/codes/arkansas/title-4/subtitle-1/chapter-9/part-6/subpart-2/section-4-9-625/)\n\n# F. Published-majority case register\n\n| Authority | Court/date and material posture | Narrow holding, disposition, and limits |\n| --- | --- | --- |\n| **Minor v. Chase Auto Finance**, 2010 Ark. 246 — S028 | Arkansas Supreme Court, **May 20, 2010**; certified legal question involving late-payment course of dealing and two contract clauses. | Question answered; remanded to Court of Appeals. Actual PDF date controls. Wills concurrence joined by Gunter addressed certification procedure. Not a final resolution of every repossession issue. |\n| **Mercedes-Benz Credit v. Morgan**, 312 Ark. 225 — S029 | Arkansas Supreme Court, March 1, 1993; conversion verdict after repeated late-payment acceptance. | Conversion result affirmed; attorney-fee award reversed/remanded. Nonwaiver argument not properly preserved; later *Minor* addresses reserved question. |\n| **Manhattan Credit v. Brewer**, 232 Ark. 976 — S030 | Arkansas Supreme Court, January 9, 1961; confrontation and risk of force during automobile taking. | Conversion judgment affirmed. McFaddin concurrence identified. Pre-UCC contract posture; not a current universal objection formula. |\n| **Ford Motor Credit v. Herring**, 267 Ark. 201 — S031 | Arkansas Supreme Court, November 26, 1979; vehicle taking and retention of tools/belongings. | Reversed/remanded on instructions/proof; vehicle repossession and noncollateral retention distinguished. Commercial trucks, not automatically a consumer transaction. |\n| **Oaklawn Bank v. Baldwin**, 289 Ark. 79 — S032 | Arkansas Supreme Court, May 19, 1986; nighttime open-driveway repossession. | No breach on stated facts; personal-property issue required further determination; reversed/remanded. No locked-premises authorization. |\n| **Williams v. Ford Motor Credit**, 674 F.2d 717 — S033 | Eighth Circuit, March 31, 1982; nighttime taking and disputed conduct. | Affirmed judgment notwithstanding verdict under Arkansas law on its record. Heaney dissented. Majority not a universal nighttime or objection rule. |\n| **First State Bank v. Hallett**, 291 Ark. 37 — S034 | Arkansas Supreme Court, January 20, 1987; admitted lack of required sale notice. | Deficiency barred under former Article 9. Hays, Newbern and Glaze dissented. Current § 626(b) transition/application requires separate attention. |\n| **Greenlee v. Mazda American Credit** — S035 | Arkansas Court of Appeals, September 28, 2005; deficiency trial with insufficient sale evidence. | Reversed; creditor not entitled to deficiency. Wrong-address notice issue not reached. Footnote 2’s old/new-law discussion preserved. |\n| **Thrower v. Union Lincoln-Mercury**, 282 Ark. 585 — S036 | Arkansas Supreme Court, June 4, 1984; resale involving a trade-in and disputed deficiency/surplus. | Remanded for proper valuation/accounting; trade-in allowance not automatically fair value. Adkisson and Purtle dissented. |\n| **Beard v. Ford Motor Credit**, 41 Ark. App. 174 — S037 | Arkansas Court of Appeals, March 31, 1993; dealers-only auction, notice and reasonableness. | Affirmed. Private-sale characterization depended on restricted participation; condition, mileage, promptness and evidence mattered. |\n| **Prince v. R & T Motors** — S038 | Arkansas Court of Appeals, October 1, 1997; summary judgment supported by detailed public-sale evidence. | Affirmed; bare better-price assertion did not meet the record. Quoted older authorities not separately counted as read. |\n| **Thompson v. Cockrell**, No. 24-2120 — S039 | Eighth Circuit, September 17, 2025; published constitutional/qualified-immunity decision involving theft under false ownership claims. | Affirmed. Actual police aid and clearly established law analyzed; not proof of valid Article 9 entitlement or Arkansas breach-of-peace compliance. |\n\nOlder cases apply former provisions. The revised act’s July 1, 2001 transition and the 2026-effective changes were examined rather than assuming those cases supply today’s exact text. No unpublished decision is relied on as controlling, and no complete citator was obtained.\n\n# G. Four worked fictional models\n\nAll facts, actors, documents, dates, payments, prices, expenses and decisions are fictional. No actual account, rate, fee, default, repossession, sale, deficiency, waiver or remedy is approved.\n\n## M01 — Actual proceeds, expenses, credits, surplus or deficiency\n\n### Common assumptions\n\nA household-vehicle transaction is assumed to be a consumer-goods transaction.\n\n- Cash price: **$20,000**.\n- Down payment: **$2,000**.\n- Original financed principal: **$18,000**.\n- Original time-price differential: **$2,400**.\n- Principal before the latest payment: **$12,000**.\n- Latest actual, authorized, unreversed principal credit: **$500**.\n- Remaining principal: **$11,500**.\n- Let **LLL** be additional lawful secured charges after all required rebates and prior credits. Their legality is initially unresolved.\n- No other priority claim is assumed.\n\n12,000−500=11,50012,000-500=\\boxed{11,500}12,000−500=11,500​Secured balance=11,500+L\\text{Secured balance}=11,500+LSecured balance=11,500+LFor the numerical branch only, stipulate L=$200L=\\$200L=$200:\n\n11,500+200=$11,70011,500+200=\\boxed{\\$11,700}11,500+200=$11,700​### Higher-sale branch\n\nAssume a lawful completed disposition produces **$14,000 actual cash**, and the following expenses are reasonable, authorized and actually paid:\n\n| Expense | Amount |\n| --- | --- |\n| Repossession | $400 |\n| Holding/storage | $100 |\n| Sale expense | $300 |\n| Total | **$800** |\n\n14,000−800=13,20014,000-800=\\boxed{13,200}14,000−800=13,200​13,200−11,700=1,500 surplus13,200-11,700=\\boxed{1,500\\text{ surplus}}13,200−11,700=1,500 surplus​Cash conservation:\n\n14,000=800 expenses+11,700 secured application+1,500 surplus14,000=800\\text{ expenses}+11,700\\text{ secured application}+1,500\\text{ surplus}14,000=800 expenses+11,700 secured application+1,500 surplusNo expense is deducted twice.\n\n### Lower-sale branch\n\nChange only actual gross proceeds to **$10,000**:\n\n10,000−800=9,20010,000-800=\\boxed{9,200}10,000−800=9,200​11,700−9,200=2,500 arithmetic deficiency11,700-9,200=\\boxed{2,500\\text{ arithmetic deficiency}}11,700−9,200=2,500 arithmetic deficiency​That is not an adjudicated deficiency. Notice, sale compliance, proof, defenses and applicable consumer law remain necessary.\n\n### Refund/credit branch\n\nAn expected $300 service-contract refund is not automatically cash. If, however, a **legal entitlement to a $300 account credit is established**, it must be handled without waiting on an invented cash-only rule:\n\n11,700−300=$11,40011,700-300=\\$11,40011,700−300=$11,40011,400−9,200=2,20011,400-9,200=\\boxed{2,200}11,400−9,200=2,200​If the entitlement itself is unproved, it remains a held variable. The $2,400 original time-price differential is not added again to the current $11,700 balance; required unearned-charge treatment is already part of the stipulated balance or remains unresolved. **C078–C090, C109.**\n\n## M02 — Consumer notice timing versus the nonconsumer safe harbor\n\n### Stipulated sequence\n\n| Date | Event |\n| --- | --- |\n| **October 5, 2026** | Secured party sends a properly signed paper notice by an appropriate, proved method. |\n| **October 8** | Consumer actually receives it. |\n| **October 20** | Notice states this as the date after which a private disposition may occur. |\n| **October 22** | Actual private sale occurs. |\n| **October 23** | Proper post-disposition explanation request is received. |\n| **October 27** | A substantively adequate explanation is sent. |\n\nElapsed calendar intervals:\n\n- Sending to stated earliest date: **15 days**.\n- Sending to sale: **17 days**.\n- Actual receipt to sale: **14 days**.\n- Request receipt to explanation: **4 days**.\n\nThese are arithmetic descriptions, not a universal consumer reasonableness ruling.\n\n### Working branch\n\nAssume correct recipients, collateral description, deficiency information, redemption contact, accounting information, and a genuinely private disposition. The four-day explanation response is deliberately nonboundary relative to the statute’s fourteen-day requirement.\n\n### Adverse branches\n\n- The creditor calls the consumer notice valid solely because it exceeded ten days: **incorrect inference**; § 612(b) excludes consumer transactions.\n- A public sale occurs, but the notice supplied only an “after” date and no required public time/place: content and actual-sale mismatch remain.\n- The notice is sent to an unsupported address, or the required secondary obligor is omitted: the elapsed days do not cure the missing predicate.\n- The sale occurs before the stated date: a correct form does not prove compliance with its own announced disposition.\n\nNo weekend, holiday, electronic-consent or final-day extension rule is invented. No actual sale permission follows. **C047–C057, C087–C090, C110.**\n\n## M03 — Redemption, reinstatement, and acceptance are alternatives\n\nUse the $11,700 secured balance from M01. Assume $400 repossession and $100 holding expenses have been lawfully incurred, but no $300 sale expense yet.\n\n### A. Redemption\n\nAssume an eligible party tenders before every § 623 cutoff:\n\n11,700+400+100=$12,20011,700+400+100=\\boxed{\\$12,200}11,700+400+100=$12,200​If actually completed under the assumed lawful conditions:\n\n| Application | Amount |\n| --- | --- |\n| Principal | $11,500 |\n| Stipulated lawful charges | $200 |\n| Qualifying expenses | $500 |\n| Total | **$12,200** |\n\nNo later sale proceeds are also credited; the vehicle is not hypothetically sold in this branch.\n\n### B. Contractual reinstatement\n\nAssume an enforceable reinstatement arrangement requires:\n\n- Past-due principal: $1,000.\n- Stipulated lawful charge component: $200.\n- Qualifying expenses: $500.\n\n1,000+200+500=$1,7001,000+200+500=\\boxed{\\$1,700}1,000+200+500=$1,700​After actual performance:\n\n11,500−1,000=$10,500 remaining principal11,500-1,000=\\boxed{\\$10,500\\text{ remaining principal}}11,500−1,000=$10,500 remaining principal​The contract resumes on the stipulated terms. This is **not** full satisfaction and is not a universal Article 9 reinstatement amount.\n\n### C. Full acceptance\n\nAssume the vehicle is outside the debtor’s possession, the secured party and debtor validly consent after default, all required proposals/objection periods are satisfied, and mandatory disposition is not required or is validly waived.\n\nThe agreed secured obligation, including qualifying expenses if within the acceptance, is discharged under § 622. That is **noncash satisfaction**, not a $12,200 cash receipt or an automatic market-value payment.\n\nA consumer transaction cannot use § 620 acceptance in partial satisfaction.\n\n### D. Mandatory-disposition threshold\n\nIn the common purchase-money facts, qualifying payments toward the cash price are stipulated as:\n\n2,000 down payment+6,500 principal paid=$8,5002,000\\text{ down payment}+6,500\\text{ principal paid}\n=\\boxed{\\$8,500}2,000 down payment+6,500 principal paid=$8,500​8,500/20,000=42.5%8,500/20,000=42.5\\%8,500/20,000=42.5%The 60% threshold is:\n\n20,000×0.60=$12,00020,000\\times0.60=\\boxed{\\$12,000}20,000×0.60=$12,000​This branch does not trigger that threshold on the stipulated facts.\n\nIn a **different** payment-history branch with $12,000 qualifying cash-price payments, the threshold is reached. Principal and redemption figures would then have to be recomputed; the model does not reuse the $11,500 principal after changing the payment history. The statutory ninety-day disposition rule, longer-period agreement or valid post-default waiver must then be examined. **C065–C077, C111.**\n\n## M04 — Defective notice/sale, deficiency dispute, and potential remedy\n\nUse M01’s lower-sale branch:\n\n$10,000 gross−$800 expenses=$9,200 applied\\$10,000\\text{ gross}-\\$800\\text{ expenses}=\\$9,200\\text{ applied}$10,000 gross−$800 expenses=$9,200 applied$11,700−$9,200=$2,500 claimed deficiency\\$11,700-\\$9,200=\\boxed{\\$2,500\\text{ claimed deficiency}}$11,700−$9,200=$2,500 claimed deficiency​Assume required consumer sale notice was omitted. The sale price alone does not resolve the consequence.\n\n### Deficiency branch\n\nThe debtor can raise the notice/compliance issue. *Hallett* supplies the historical Arkansas no-notice approach; § 626(b) leaves consumer rules to the court. Actual statutory defenses, consumer classification and current treatment must be applied before declaring the $2,500 recoverable or barred.\n\nThe nonconsumer § 626(a) formula is not silently used.\n\n### Statutory-minimum illustration\n\nAssume the transaction is the M01 consumer retail sale and the legally applicable formula uses its proved:\n\n- Time-price differential: $2,400.\n- Cash price: $20,000.\n\n2,400+(0.10×20,000)=2,400+2,000=$4,4002,400+(0.10\\times20,000)\n=2,400+2,000\n=\\boxed{\\$4,400}2,400+(0.10×20,000)=2,400+2,000=$4,400​This is a **potential statutory measure**, not an award. It requires claimant status, qualifying noncompliance, applicable law and § 628’s limitations.\n\nDo not:\n\n- Add the alternative principal-based formula as a second recovery.\n- Automatically add an alleged $900 consequential loss to $4,400.\n- Automatically subtract $4,400 from $2,500 and announce a $1,900 net consumer judgment.\n- Apply this minimum solely because a § 616 explanation was deficient.\n- Treat every explanation defect as an automatic $500 violation.\n\nIf only § 616 is violated, § 628(d) blocks this minimum on that sole basis; the actual-loss and specified § 625(e) branches require their own elements. **C093–C104, C112.**\n\n# H. Sixteen additional fictional postures\n\n| Posture | Stage and facts | Rule/source, missing facts, and next legal question |\n| --- | --- | --- |\n| **P01 — No default proof** | Lender asserts delinquency but payment reversal is disputed. | §§601/609; prove actual default, valid credit and contract terms before remedy. C019–C021. |\n| **P02 — Assignment disputed** | New servicer’s demand names a different creditor. | Attachment/title/authority are distinct; actual transfer and agency evidence required. C011–C015. |\n| **P03 — Belongings requested** | Vehicle contains tools, medication and identity documents. | *Herring/Baldwin* and actual towing-law scope; identify noncollateral property and lawful return process. C033–C035. |\n| **P04 — Consumer objects** | Confrontation develops during taking. | *Brewer* fact-sensitive peace inquiry; no enforcement tactic or automatic all-objection result. C025–C032. |\n| **P05 — Military flag** | Pre-service installment contract and current service are alleged. | §3952/3918; actual status, dates, court order and waiver predicates held. C040–C041. |\n| **P06 — Court versus self-help** | Creditor has no peaceful route and refers to a private tow authorization. | Replevin statute/court order is different from private instruction. C036–C039. |\n| **P07 — Wrong address** | Notice mailed to old address despite conflicting current information. | Proper sending/reasonableness and actual knowledge require proof; time alone is insufficient. C047–C057. |\n| **P08 — Late redemption request** | Debtor calls before auction but after a binding disposition contract. | §623 cutoff may already matter; actual contract and valid tender facts required. C065–C066. |\n| **P09 — Voluntary surrender** | Debtor leaves keys and vehicle with creditor. | Possession is not automatically full acceptance or waiver. C069–C077. |\n| **P10 — Low sale price** | Price is below a guide estimate. | §627, *Prince* and *Greenlee*: examine complete sale evidence, not price alone. C058–C061. |\n| **P11 — Thin sale record** | Witness knows only a computer entry saying “auction.” | *Greenlee* addresses inadequate proof; actual exposure, condition, method and process missing. C060, C102. |\n| **P12 — Business vehicle** | Individual uses vehicle primarily for deliveries/business. | Consumer definitions and §628 reasonable reliance require actual purpose facts. C002, C103. |\n| **P13 — Sale unknown** | Creditor possesses car but cannot show sale or valid acceptance. | No hypothetical proceeds credit or automatic deficiency; actual event required. C064, C077–C090. |\n| **P14 — Refinance/cross-collateral** | New advance is added and vehicle secures multiple balances. | §103(h)/§204 and actual terms; no automatic consumer PMSI continuation. C008–C010. |\n| **P15 — Related buyer** | Affiliate purchases at a materially low price. | §615(f) predicates and compliant-sale comparison require evidence. C083. |\n| **P16 — Title or GAP promise** | Title is changed or GAP claim is pending. | Record transfer is not necessarily sale/satisfaction; GAP entitlement/payment and title-release conditions remain separate. C064, C086, C091–C092. |\n\n# I. Complete source and access register\n\n## Register conventions\n\nAll substantive reads and attempts below occurred **October 27, 2026, Pacific and UTC**. Individual source-opening times are unknown. No earlier-pass legal findings are counted as fresh authority.\n\n- **P:** official primary enactment, statute, rule or judicial body.\n- **R:** actual primary legal text/opinion reproduced by a nonofficial host.\n- **M:** secondary codification.\n- **G:** official index or administrative material.\n- **F:** failed or materially incomplete access.\n\nGrouped sections and repeated URLs are not independent corroboration. A 2025 mirror, approval date, PDF-generation timestamp and legal effective date are different evidence.\n\n## I1. UCC enactments and operative sections\n\n| Source ID | Issuer/title/full literal HTTPS URL | Actual reading, version/effect and limits |\n| --- | --- | --- |\n| **S_AR-P16-S001** | Arkansas General Assembly, **Act1439/2001**. [https://arkleg.state.ar.us/Acts/FTPDocument?ddBienniumSession=2001%2FR&file=1439.pdf&path=%2FACTS%2F2001%2FPublic%2F](https://arkleg.state.ar.us/Acts/FTPDocument?ddBienniumSession=2001%2FR&file=1439.pdf&path=%2FACTS%2F2001%2FPublic%2F&utm_source=chatgpt.com) | **P:** material §§9-201–204,207,601–603,609–628 and701–702. Relevant pages: printed22–27/PDF21–26; 96–101/PDF95–100; 115–120/PDF114–119. Images inspected at PDF100,115,116,119. Effective **July1,2001**. Entire139-page act not read. |\n| **S_AR-P16-S002** | **Act997/2025**. [https://arkleg.state.ar.us/Home/FTPDocument?path=%2FACTS%2F2025R%2FPublic%2FACT997.pdf](https://arkleg.state.ar.us/Home/FTPDocument?path=%2FACTS%2F2025R%2FPublic%2FACT997.pdf&utm_source=chatgpt.com) ; successful alternate [https://arkleg.state.ar.us/Acts/FTPDocument?ddBienniumSession=2025%2F2025R&file=997.pdf&path=%2FACTS%2F2025R%2FPublic%2F](https://arkleg.state.ar.us/Acts/FTPDocument?ddBienniumSession=2025%2F2025R&file=997.pdf&path=%2FACTS%2F2025R%2FPublic%2F&utm_source=chatgpt.com) | P: material definitions; §§50–52,88–97; §4-12A-301 and §100. Definitions printed35–43/PDF34–42; attachment/care50–52/PDF49–51; notices/proceeds/acceptance76–89/PDF75–88; transition100–101/PDF99–100; effective103/PDF102. Relevant images inspected, including PDF79–81,85–87,99–100,102. Approved Apr22,2025; effective **Sep1,2026**. Not all103 pages read. |\n| **S_AR-P16-S003** | §§4-1-203,309. [https://law.justia.com/codes/arkansas/title-4/subtitle-1/chapter-1/part-2/section-4-1-203/](https://law.justia.com/codes/arkansas/title-4/subtitle-1/chapter-1/part-2/section-4-1-203/?utm_source=chatgpt.com) ; [https://law.justia.com/codes/arkansas/title-4/subtitle-1/chapter-1/part-3/section-4-1-309/](https://law.justia.com/codes/arkansas/title-4/subtitle-1/chapter-1/part-3/section-4-1-309/?utm_source=chatgpt.com) | **M,2025:** complete lease/security test and insecurity-acceleration provision. Full original/later chain held. |\n| **S_AR-P16-S004** | §§4-9-102,109. [https://law.justia.com/codes/arkansas/title-4/subtitle-1/chapter-9/part-1/subpart-1/section-4-9-102/](https://law.justia.com/codes/arkansas/title-4/subtitle-1/chapter-9/part-1/subpart-1/section-4-9-102/?utm_source=chatgpt.com) ; [https://codes.findlaw.com/ar/title-4-business-and-commercial-law/ar-code-sect-4-9-109/](https://codes.findlaw.com/ar/title-4-business-and-commercial-law/ar-code-sect-4-9-109/?utm_source=chatgpt.com) | M: material consumer/debtor/obligor/secured-party definitions; complete scope/exclusion body. FindLaw §109 dated Mar28,2024; current definitions compared with S002. |\n| **S_AR-P16-S005** | §4-9-103. [https://law.justia.com/codes/arkansas/title-4/subtitle-1/chapter-9/part-1/subpart-1/section-4-9-103/](https://law.justia.com/codes/arkansas/title-4/subtitle-1/chapter-9/part-1/subpart-1/section-4-9-103/?utm_source=chatgpt.com) | M,2025: complete (a)–(h), including consumer limitation of specified rules. |\n| **S_AR-P16-S006** | §4-9-203. [https://codes.findlaw.com/ar/title-4-business-and-commercial-law/ar-code-sect-4-9-203/](https://codes.findlaw.com/ar/title-4-business-and-commercial-law/ar-code-sect-4-9-203/?utm_source=chatgpt.com) | M,Mar28,2024: material attachment/enforceability body; current signed-record change from S002§50. Not independent current official codification. |\n| **S_AR-P16-S007** | §4-9-311. [https://law.justia.com/codes/arkansas/title-4/subtitle-1/chapter-9/part-3/subpart-2/section-4-9-311/](https://law.justia.com/codes/arkansas/title-4/subtitle-1/chapter-9/part-3/subpart-2/section-4-9-311/?utm_source=chatgpt.com) | M,2025: complete certificate-title/perfection and inventory exceptions. |\n| **S_AR-P16-S008** | §§4-9-601–603. [https://law.justia.com/codes/arkansas/title-4/subtitle-1/chapter-9/part-6/subpart-1/section-4-9-601/](https://law.justia.com/codes/arkansas/title-4/subtitle-1/chapter-9/part-6/subpart-1/section-4-9-601/?utm_source=chatgpt.com) ; [https://law.justia.com/codes/arkansas/title-4/subtitle-1/chapter-9/part-6/subpart-1/section-4-9-602/](https://law.justia.com/codes/arkansas/title-4/subtitle-1/chapter-9/part-6/subpart-1/section-4-9-602/?utm_source=chatgpt.com) ; [https://law.justia.com/codes/arkansas/title-4/subtitle-1/chapter-9/part-6/subpart-1/section-4-9-603/](https://law.justia.com/codes/arkansas/title-4/subtitle-1/chapter-9/part-6/subpart-1/section-4-9-603/?utm_source=chatgpt.com) | M: material postdefault rights, nonwaiver and agreed standards. §601 page has pre-Sep2026 version label; changed control references not treated as current without S002. |\n| **S_AR-P16-S009** | §§4-9-609–610. [https://law.justia.com/codes/arkansas/title-4/subtitle-1/chapter-9/part-6/subpart-1/section-4-9-609/](https://law.justia.com/codes/arkansas/title-4/subtitle-1/chapter-9/part-6/subpart-1/section-4-9-609/?utm_source=chatgpt.com) ; [https://law.justia.com/codes/arkansas/title-4/subtitle-1/chapter-9/part-6/subpart-1/section-4-9-610/](https://law.justia.com/codes/arkansas/title-4/subtitle-1/chapter-9/part-6/subpart-1/section-4-9-610/?utm_source=chatgpt.com) | M,2025: complete repossession and disposition provisions; official S001 material text also read. |\n| **S_AR-P16-S010** | §§4-9-611–612. [https://law.justia.com/codes/arkansas/title-4/subtitle-1/chapter-9/part-6/subpart-1/section-4-9-611/](https://law.justia.com/codes/arkansas/title-4/subtitle-1/chapter-9/part-6/subpart-1/section-4-9-611/?utm_source=chatgpt.com) ; [https://law.justia.com/codes/arkansas/title-4/subtitle-1/chapter-9/part-6/subpart-1/section-4-9-612/](https://law.justia.com/codes/arkansas/title-4/subtitle-1/chapter-9/part-6/subpart-1/section-4-9-612/?utm_source=chatgpt.com) | M: all material recipient, exception, timing and safe-harbor conditions. §611 updated through S002§88; current §§613–614 read directly in S002§§89–90. |\n| **S_AR-P16-S011** | §4-9-615. [https://law.justia.com/codes/arkansas/title-4/subtitle-1/chapter-9/part-6/subpart-1/section-4-9-615/](https://law.justia.com/codes/arkansas/title-4/subtitle-1/chapter-9/part-6/subpart-1/section-4-9-615/?utm_source=chatgpt.com) | M: complete (a)–(g). Signed-demand changes from S002§91; no automatic senior-lien payment rule inferred. |\n| **S_AR-P16-S012** | §4-9-616. [https://law.justia.com/codes/arkansas/title-4/subtitle-1/chapter-9/part-6/subpart-1/section-4-9-616/](https://law.justia.com/codes/arkansas/title-4/subtitle-1/chapter-9/part-6/subpart-1/section-4-9-616/?utm_source=chatgpt.com) | M: complete explanation, order, timing, credit and copy-charge body. Pre-effective (a)–(c) wording updated by S002§92; (d)–(e) distinguished. |\n| **S_AR-P16-S013** | §§4-9-617,619. [https://law.justia.com/codes/arkansas/title-4/subtitle-1/chapter-9/part-6/subpart-1/section-4-9-617/](https://law.justia.com/codes/arkansas/title-4/subtitle-1/chapter-9/part-6/subpart-1/section-4-9-617/?utm_source=chatgpt.com) ; [https://law.justia.com/codes/arkansas/title-4/subtitle-1/chapter-9/part-6/subpart-1/section-4-9-619/](https://law.justia.com/codes/arkansas/title-4/subtitle-1/chapter-9/part-6/subpart-1/section-4-9-619/?utm_source=chatgpt.com) | M: purchaser rights and record-transfer effect; §619(a) current signature wording from S002§93. |\n| **S_AR-P16-S014** | §§4-9-622–623. [https://law.justia.com/codes/arkansas/title-4/subtitle-1/chapter-9/part-6/subpart-1/section-4-9-622/](https://law.justia.com/codes/arkansas/title-4/subtitle-1/chapter-9/part-6/subpart-1/section-4-9-622/?utm_source=chatgpt.com) ; [https://law.justia.com/codes/arkansas/title-4/subtitle-1/chapter-9/part-6/subpart-1/section-4-9-623/](https://law.justia.com/codes/arkansas/title-4/subtitle-1/chapter-9/part-6/subpart-1/section-4-9-623/?utm_source=chatgpt.com) | M,2025: complete effect and redemption bodies. Current §§620–621,624 read in S002§§94–96, not counted as new independent documents. |\n| **S_AR-P16-S015** | §§4-9-625–628. [https://law.justia.com/codes/arkansas/title-4/subtitle-1/chapter-9/part-6/subpart-2/section-4-9-625/](https://law.justia.com/codes/arkansas/title-4/subtitle-1/chapter-9/part-6/subpart-2/section-4-9-625/?utm_source=chatgpt.com) ; [https://law.justia.com/codes/arkansas/title-4/subtitle-1/chapter-9/part-6/subpart-2/section-4-9-626/](https://law.justia.com/codes/arkansas/title-4/subtitle-1/chapter-9/part-6/subpart-2/section-4-9-626/?utm_source=chatgpt.com) ; [https://law.justia.com/codes/arkansas/title-4/subtitle-1/chapter-9/part-6/subpart-2/section-4-9-627/](https://law.justia.com/codes/arkansas/title-4/subtitle-1/chapter-9/part-6/subpart-2/section-4-9-627/?utm_source=chatgpt.com) ; [https://law.justia.com/codes/arkansas/title-4/subtitle-1/chapter-9/part-6/subpart-2/section-4-9-628/](https://law.justia.com/codes/arkansas/title-4/subtitle-1/chapter-9/part-6/subpart-2/section-4-9-628/?utm_source=chatgpt.com) | M: complete material remedies, consumer/nonconsumer distinction, reasonableness and liability limits. §628 updated through S002§97; its new electronic-collateral qualification not generalized to ordinary cars. |\n\n## I2. Vehicle, licensing, judicial, and federal sources\n\n| Source ID | Full literal HTTPS URL | Actual material read and limits |\n| --- | --- | --- |\n| **S_AR-P16-S016** | §§27-14-801,802,908. [https://law.justia.com/codes/arkansas/title-27/subtitle-2/chapter-14/subchapter-8/section-27-14-801/](https://law.justia.com/codes/arkansas/title-27/subtitle-2/chapter-14/subchapter-8/section-27-14-801/?utm_source=chatgpt.com) ; [https://law.justia.com/codes/arkansas/title-27/subtitle-2/chapter-14/subchapter-8/section-27-14-802/](https://law.justia.com/codes/arkansas/title-27/subtitle-2/chapter-14/subchapter-8/section-27-14-802/?utm_source=chatgpt.com) ; [https://law.justia.com/codes/arkansas/title-27/subtitle-2/chapter-14/subchapter-9/section-27-14-908/](https://law.justia.com/codes/arkansas/title-27/subtitle-2/chapter-14/subchapter-9/section-27-14-908/?utm_source=chatgpt.com) | M,2025: material title-perfection and assignment/notice provisions. §802 conditional amendment separately addressed by S017. |\n| **S_AR-P16-S017** | **Act926/2025**. [https://arkleg.state.ar.us/Home/FTPDocument?path=%2FACTS%2F2025R%2FPublic%2FACT926.pdf](https://arkleg.state.ar.us/Home/FTPDocument?path=%2FACTS%2F2025R%2FPublic%2FACT926.pdf&utm_source=chatgpt.com) | P: material §§9–12; §12 **printed7/PDF6** image. Approved Apr21,2025. Actual certification triggering §§9–10 not verified. Entire title-law transition not completed. |\n| **S_AR-P16-S018** | §§27-14-904,909;4-4-215. [https://law.justia.com/codes/arkansas/title-27/subtitle-2/chapter-14/subchapter-9/section-27-14-904/](https://law.justia.com/codes/arkansas/title-27/subtitle-2/chapter-14/subchapter-9/section-27-14-904/?utm_source=chatgpt.com) ; [https://law.justia.com/codes/arkansas/title-27/subtitle-2/chapter-14/subchapter-9/section-27-14-909/](https://law.justia.com/codes/arkansas/title-27/subtitle-2/chapter-14/subchapter-9/section-27-14-909/?utm_source=chatgpt.com) ; [https://law.justia.com/codes/arkansas/title-4/subtitle-1/chapter-4/part-2/section-4-4-215/](https://law.justia.com/codes/arkansas/title-4/subtitle-1/chapter-4/part-2/section-4-4-215/?utm_source=chatgpt.com) | M,2025: dealer-title transfer, release/final-payment and material bank finality provisions. §909 penalty text read but not developed as a separate remedy model. |\n| **S_AR-P16-S019** | §§23-112-602,604,606. [https://law.justia.com/codes/arkansas/title-23/subtitle-4/chapter-112/subchapter-6/section-23-112-602/](https://law.justia.com/codes/arkansas/title-23/subtitle-4/chapter-112/subchapter-6/section-23-112-602/?utm_source=chatgpt.com) ; [https://law.justia.com/codes/arkansas/title-23/subtitle-4/chapter-112/subchapter-6/section-23-112-604/](https://law.justia.com/codes/arkansas/title-23/subtitle-4/chapter-112/subchapter-6/section-23-112-604/?utm_source=chatgpt.com) ; [https://law.justia.com/codes/arkansas/title-23/subtitle-4/chapter-112/subchapter-6/section-23-112-606/](https://law.justia.com/codes/arkansas/title-23/subtitle-4/chapter-112/subchapter-6/section-23-112-606/?utm_source=chatgpt.com) | M,2025: used-dealer definition/exclusions, State Police authority and license requirement. No actual dealer inquiry. |\n| **S_AR-P16-S020** | Official CAR170: [https://codeofarrules.arkansas.gov/Rules/Rule?chapterID=226&levelType=part&partID=1021&sectionID=&subChapterID=277&subPartID=&titleID=27](https://codeofarrules.arkansas.gov/Rules/Rule?chapterID=226&levelType=part&partID=1021&sectionID&subChapterID=277&subPartID&titleID=27&utm_source=chatgpt.com) ; §101 [https://codeofarrules.arkansas.gov/Rules/Rule?chapterID=226&levelType=section&partID=1021&sectionID=25933&subChapterID=277&subPartID=4166&titleID=27](https://codeofarrules.arkansas.gov/Rules/Rule?chapterID=226&levelType=section&partID=1021&sectionID=25933&subChapterID=277&subPartID=4166&titleID=27&utm_source=chatgpt.com) ; §102 [https://codeofarrules.arkansas.gov/Rules/Rule?chapterID=226&levelType=section&partID=1021&sectionID=25934&subChapterID=277&subPartID=4166&titleID=27](https://codeofarrules.arkansas.gov/Rules/Rule?chapterID=226&levelType=section&partID=1021&sectionID=25934&subChapterID=277&subPartID=4166&titleID=27&utm_source=chatgpt.com) ; §106 [https://codeofarrules.arkansas.gov/Rules/Rule?chapterID=226&levelType=section&partID=1021&sectionID=25938&subChapterID=277&subPartID=4166&titleID=27](https://codeofarrules.arkansas.gov/Rules/Rule?chapterID=226&levelType=section&partID=1021&sectionID=25938&subChapterID=277&subPartID=4166&titleID=27&utm_source=chatgpt.com) | **P/G:** actual scope/exemptions, relevant definitions and licensing/permit body. Codification note references Aug23,2023 pre-codification effectiveness; current posted body and later enactments require full adoption-chain qualification. Footer/update not adoption. |\n| **S_AR-P16-S021** | §§27-50-1201,1202,1208. [https://law.justia.com/codes/arkansas/title-27/subtitle-4/chapter-50/subchapter-12/section-27-50-1201/](https://law.justia.com/codes/arkansas/title-27/subtitle-4/chapter-50/subchapter-12/section-27-50-1201/?utm_source=chatgpt.com) ; [https://law.justia.com/codes/arkansas/title-27/subtitle-4/chapter-50/subchapter-12/section-27-50-1202/](https://law.justia.com/codes/arkansas/title-27/subtitle-4/chapter-50/subchapter-12/section-27-50-1202/?utm_source=chatgpt.com) ; [https://law.justia.com/codes/arkansas/title-27/subtitle-4/chapter-50/subchapter-12/section-27-50-1208/](https://law.justia.com/codes/arkansas/title-27/subtitle-4/chapter-50/subchapter-12/section-27-50-1208/?utm_source=chatgpt.com) | M,2025: scope, relevant towing/repo definitions and material personal-content/possessory-lien provisions. Not a full abandoned-vehicle sale report. |\n| **S_AR-P16-S022** | **Act932/2025**. [https://arkleg.state.ar.us/Home/FTPDocument?path=%2FACTS%2F2025R%2FPublic%2FACT932.pdf](https://arkleg.state.ar.us/Home/FTPDocument?path=%2FACTS%2F2025R%2FPublic%2FACT932.pdf&utm_source=chatgpt.com) | P: §§2,4,8; content provisions printed4–5/PDF3–4, emergency printed7–8/PDF6–7. Images PDF3,7 inspected. Approved/effective under emergency clause **Apr21,2025**; particular future instruction date not generalized. |\n| **S_AR-P16-S023** | §§18-60-804–808. [https://law.justia.com/codes/arkansas/title-18/subtitle-5/chapter-60/subchapter-8/section-18-60-804/](https://law.justia.com/codes/arkansas/title-18/subtitle-5/chapter-60/subchapter-8/section-18-60-804/?utm_source=chatgpt.com) ; [https://law.justia.com/codes/arkansas/title-18/subtitle-5/chapter-60/subchapter-8/section-18-60-805/](https://law.justia.com/codes/arkansas/title-18/subtitle-5/chapter-60/subchapter-8/section-18-60-805/?utm_source=chatgpt.com) ; [https://law.justia.com/codes/arkansas/title-18/subtitle-5/chapter-60/subchapter-8/section-18-60-806/](https://law.justia.com/codes/arkansas/title-18/subtitle-5/chapter-60/subchapter-8/section-18-60-806/?utm_source=chatgpt.com) ; [https://law.justia.com/codes/arkansas/title-18/subtitle-5/chapter-60/subchapter-8/section-18-60-807/](https://law.justia.com/codes/arkansas/title-18/subtitle-5/chapter-60/subchapter-8/section-18-60-807/?utm_source=chatgpt.com) ; [https://law.justia.com/codes/arkansas/title-18/subtitle-5/chapter-60/subchapter-8/section-18-60-808/](https://law.justia.com/codes/arkansas/title-18/subtitle-5/chapter-60/subchapter-8/section-18-60-808/?utm_source=chatgpt.com) | M,2025: petition, notice, prima facie hearing, emergency and alternative-notice bodies. Complete current rule/adoption integration held. |\n| **S_AR-P16-S024** | §§18-60-810–812. [https://law.justia.com/codes/arkansas/title-18/subtitle-5/chapter-60/subchapter-8/section-18-60-810/](https://law.justia.com/codes/arkansas/title-18/subtitle-5/chapter-60/subchapter-8/section-18-60-810/?utm_source=chatgpt.com) ; [https://law.justia.com/codes/arkansas/title-18/subtitle-5/chapter-60/subchapter-8/section-18-60-811/](https://law.justia.com/codes/arkansas/title-18/subtitle-5/chapter-60/subchapter-8/section-18-60-811/?utm_source=chatgpt.com) ; [https://law.justia.com/codes/arkansas/title-18/subtitle-5/chapter-60/subchapter-8/section-18-60-812/](https://law.justia.com/codes/arkansas/title-18/subtitle-5/chapter-60/subchapter-8/section-18-60-812/?utm_source=chatgpt.com) | M,2025: affidavit, order and bond conditions. Historical/arrest and limitation language not operationalized or made a separate dossier. |\n| **S_AR-P16-S025** | OLRC §§3952,3918 and reproduced3911. [https://uscode.house.gov/us/usc/119-124/t50/s3952/](https://uscode.house.gov/us/usc/119-124/t50/s3952/?utm_source=chatgpt.com) ; [https://uscode.house.gov/us/usc/119-124/t50/s3918/](https://uscode.house.gov/us/usc/119-124/t50/s3918/?utm_source=chatgpt.com) ; [https://www.law.cornell.edu/uscode/text/50/3911](https://www.law.cornell.edu/uscode/text/50/3911?utm_source=chatgpt.com) | **P/R:** material SCRA purchase/installment repossession and waiver bodies; relevant definitions. Official pages through **PL119-124, Oct15,2026**. Linked military-order/Title10/32 definitions not fully investigated. |\n| **S_AR-P16-S026** | OLRC, **11USC362**. [https://uscode.house.gov/us/usc/119-124/t11/s362/](https://uscode.house.gov/us/usc/119-124/t11/s362/?utm_source=chatgpt.com) | P: (a)(3)–(6), material (c), (d), (h), related limits read. Same displayed currency. Full bankruptcy, turnover, redemption and discharge law deferred. |\n| **S_AR-P16-S027** | Arkansas Supreme Court/Court of Appeals Rule5-2. [https://www.courtrules.net/arkansas/arkansas-supreme-court/rule-5-2](https://www.courtrules.net/arkansas/arkansas-supreme-court/rule-5-2?utm_source=chatgpt.com) | **R:** publication/citation text, including pre-July1,2009 unpublished restriction. Complete official adoption chain held. |\n\n## I3. Published opinions\n\n| Source ID | Court/title/full literal HTTPS URL | Actual material read and pinpoint |\n| --- | --- | --- |\n| **S_AR-P16-S028** | *Minor*, 2010 Ark.246. [https://law.justia.com/cases/arkansas/supreme-court/2010/45302.html](https://law.justia.com/cases/arkansas/supreme-court/2010/45302.html?utm_source=chatgpt.com) ; PDF [https://cases.justia.com/arkansas/supreme-court/45302.pdf?ts=1462299958](https://cases.justia.com/arkansas/supreme-court/45302.pdf?ts=1462299958&utm_source=chatgpt.com) | **R:** material majority, especially printed9–13/PDF8–12; images printed1/PDF0 and12/PDF11. Actual opinion date **May20,2010**. Concurrence identified; quoted other-state cases not freshly read. |\n| **S_AR-P16-S029** | *Morgan*. [https://law.justia.com/cases/arkansas/supreme-court/1993/92-982-0.html](https://law.justia.com/cases/arkansas/supreme-court/1993/92-982-0.html?utm_source=chatgpt.com) | R: majority and rehearing’s material course-of-dealing/preservation/fee discussion, **850S.W.2d299–301**. March1,1993; rehearing Apr5. |\n| **S_AR-P16-S030** | *Brewer*. [https://law.justia.com/cases/arkansas/supreme-court/1961/5-2278-0.html](https://law.justia.com/cases/arkansas/supreme-court/1961/5-2278-0.html?utm_source=chatgpt.com) | R: actual majority **341S.W.2d766–768**, force/confrontation and affirmance. January9,1961. |\n| **S_AR-P16-S031** | *Herring*. [https://law.justia.com/cases/arkansas/supreme-court/1979/79-251-0.html](https://law.justia.com/cases/arkansas/supreme-court/1979/79-251-0.html?utm_source=chatgpt.com) | R: material majority **589S.W.2d586–588**, vehicle/belongings, instructions/proof and remand. November26,1979. |\n| **S_AR-P16-S032** | *Baldwin*. [https://law.justia.com/cases/arkansas/supreme-court/1986/85-307-0.html](https://law.justia.com/cases/arkansas/supreme-court/1986/85-307-0.html?utm_source=chatgpt.com) | R: majority **709S.W.2d91–92**, open-driveway and personal-property distinctions. May19,1986. |\n| **S_AR-P16-S033** | Eighth Circuit, *Williams*. [https://law.justia.com/cases/federal/appellate-courts/F2/674/717/104557/](https://law.justia.com/cases/federal/appellate-courts/F2/674/717/104557/?utm_source=chatgpt.com) | R: majority **674F.2d718–721**, actual taking and judgment disposition. March31,1982; Heaney dissent identified, not merged with majority. |\n| **S_AR-P16-S034** | *Hallett*. [https://law.justia.com/cases/arkansas/supreme-court/1987/86-119-0.html](https://law.justia.com/cases/arkansas/supreme-court/1987/86-119-0.html?utm_source=chatgpt.com) | R: majority **722S.W.2d556–557**, no-notice deficiency consequence. January20,1987; separate dissent identified. |\n| **S_AR-P16-S035** | *Greenlee*. [https://law.justia.com/cases/arkansas/court-of-appeals/2005/ca04-984.html](https://law.justia.com/cases/arkansas/court-of-appeals/2005/ca04-984.html?utm_source=chatgpt.com) | R: complete material majority from judge’s opening through disposition and **footnote2**. September28,2005. Unnumbered HTML; no PDF index invented. Notice-address argument not decided. |\n| **S_AR-P16-S036** | *Thrower*. [https://law.justia.com/cases/arkansas/supreme-court/1984/84-46-0.html](https://law.justia.com/cases/arkansas/supreme-court/1984/84-46-0.html?utm_source=chatgpt.com) | R: majority **670S.W.2d431–433**, trade-in valuation and remand; material dissent distinguished. June4,1984. |\n| **S_AR-P16-S037** | *Beard*. [https://law.justia.com/cases/arkansas/court-of-appeals/1993/ca-92-1010-2.html](https://law.justia.com/cases/arkansas/court-of-appeals/1993/ca-92-1010-2.html?utm_source=chatgpt.com) | R: material majority **850S.W.2d28–30**, private auction, notice, condition/promptness and affirmance. March31,1993. Broader records analysis not reused from prior pass. |\n| **S_AR-P16-S038** | *Prince*. [https://law.justia.com/cases/arkansas/court-of-appeals/1997/ca97-76.html](https://law.justia.com/cases/arkansas/court-of-appeals/1997/ca97-76.html?utm_source=chatgpt.com) ; comparison body [https://caselaw.findlaw.com/ar-court-of-appeals/1012789.html](https://caselaw.findlaw.com/ar-court-of-appeals/1012789.html?utm_source=chatgpt.com) | R: actual majority beginning with Judge Roaf’s opinion through “Affirmed,” especially sale evidence and final proof discussion. October1,1997. No publisher headnote treated as holding; no PDF index asserted. |\n| **S_AR-P16-S039** | Eighth Circuit, *Thompson v. Cockrell*, No.24-2120. [https://ecf.ca8.uscourts.gov/opndir/25/09/242120P.pdf](https://ecf.ca8.uscourts.gov/opndir/25/09/242120P.pdf?utm_source=chatgpt.com) | **P:** material majority §§II.1–3 and disposition, **printed5–10/PDF4–9**, conclusion12/PDF11. Images printed9–10/PDF8–9 inspected. Filed **September17,2025**. Sanctions issue not adopted as repossession law. |\n\n## I4. S040 — Failed and discovery-only routes\n\n| Exact route | Actual result and resulting limit |\n| --- | --- |\n| [https://opinions.arcourts.gov/ark/en/nav.do](https://opinions.arcourts.gov/ark/en/nav.do) | Official opinion navigation returned403. |\n| [https://opinions.arcourts.gov/ark/supremecourt/en/nav_date.do](https://opinions.arcourts.gov/ark/supremecourt/en/nav_date.do) | Different official route did not provide the bodies; disclosed republications used. |\n| [https://www.dfa.arkansas.gov/office/motor-vehicle/motor-vehicle-forms/](https://www.dfa.arkansas.gov/office/motor-vehicle/motor-vehicle-forms/?utm_source=chatgpt.com) | 403; no complete current form inventory. |\n| [https://www.dfa.arkansas.gov/wp-content/uploads/AffidavitofRepossessionofMV.pdf](https://www.dfa.arkansas.gov/wp-content/uploads/AffidavitofRepossessionofMV.pdf?utm_source=chatgpt.com) | 403 despite search discovery; no form fields or pixels claimed read. |\n| [https://www.dfa.arkansas.gov/images/uploads/motorVehicleOffice/AffidavitofRepossessionofMV.pdf](https://www.dfa.arkansas.gov/images/uploads/motorVehicleOffice/AffidavitofRepossessionofMV.pdf) | Alternate official form route failed. |\n| [https://webftp.blr.arkansas.gov/Home/FTPDocument?path=CAR%2FParts%2F27CARpt170.pdf](https://webftp.blr.arkansas.gov/Home/FTPDocument?path=CAR%2FParts%2F27CARpt170.pdf&utm_source=chatgpt.com) | Timed out; actual official HTML rule bodies were successful alternatives. |\n| [https://labor.arkansas.gov/licensing/towing-and-recovery-board/licensing-permitting/](https://labor.arkansas.gov/licensing/towing-and-recovery-board/licensing-permitting/?utm_source=chatgpt.com) | 403; posted CAR text used, not unseen instructions. |\n| [https://law.justia.com/codes/arkansas/title-27/subtitle-2/chapter-14/subchapter-9/section-27-14-905/](https://law.justia.com/codes/arkansas/title-27/subtitle-2/chapter-14/subchapter-9/section-27-14-905/) ; [https://codes.findlaw.com/ar/title-27-transportation/ar-code-sect-27-14-905/](https://codes.findlaw.com/ar/title-27-transportation/ar-code-sect-27-14-905/) | Needed involuntary-transfer body not obtained through these routes; exact title-form workflow held. |\n| [https://uscode.house.gov/us/usc/119-124/t50/s3911/](https://uscode.house.gov/us/usc/119-124/t50/s3911/) ; [https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title50-section3911&num=0&edition=prelim](https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title50-section3911&num=0&edition=prelim) | Official definition routes failed; Cornell reproduction disclosed. |\n| [https://www.arkleg.state.ar.us/Home/FTPDocument?path=%2FAssembly%2FMeeting+Attachments%2F040%2F27901%2FB.6.a+DFA+Motor+Vehicle+Odotomer+Disclosure+Req+and+Act+926.pdf](https://www.arkleg.state.ar.us/Home/FTPDocument?path=%2FAssembly%2FMeeting+Attachments%2F040%2F27901%2FB.6.a+DFA+Motor+Vehicle+Odotomer+Disclosure+Req+and+Act+926.pdf&utm_source=chatgpt.com) | Discovery-only proposed-rule result; not opened or adopted as proof of final certification or implementation. |\n| [https://www.plainsite.org/cite/4-ark-app-213/](https://www.plainsite.org/cite/4-ark-app-213/) | Responsive historical acceptance lead did not yield a body; no quoted holding adopted as freshly read. |\n\nA discovered general repossession guide, specialized assistance-program rule, or search snippet was not used to prove a universal cure period, accepted form, or absence of other law.\n\n# J. Atomic claim register\n\n**Types:** **T** direct text; **H** published holding; **I** reasoned inference; **C** expressly conditional model; **G** unresolved source/application gap. Each entry retains the source register’s version and factual limits.\n\n## J1. Classification, title, and actors\n\n| Claim ID | Actor/object/trigger | Required step or consequence | Authority/type/limit |\n| --- | --- | --- | --- |\n| **S_AR-P16-C001** | Contractual vehicle security transaction | Apply Article9 scope and preserve applicable consumer/federal law. | S001§201; S004§109; **T**. |\n| **C002** | Consumer category asserted | Establish goods use and obligation purpose separately. | S002§9-102(a)(22)–(26); S004; **T**. |\n| **C003** | Person owns collateral interest | Debtor need not be personally obligated. | §9-102(a)(28); S002/S004; **T**. |\n| **C004** | Payment/secondary liability asserted | Identify obligor and secondary-obligor status. | §9-102(a)(59),(73); S002/S004; **T**. |\n| **C005** | Lender/servicer/agent acts | Establish actual secured-party and representative rights. | §9-102(a)(74); S002; **T/G**. |\n| **C006** | Lease label used | Apply §1-203’s actual security/lease tests. | S003§203; **T**. |\n| **C007** | Seller retains title | Title-retention language does not bypass security-interest duties. | S002§1; S001§202; **T/I**. |\n| **C008** | Purchase-money status claimed | Trace purchase-money obligation and collateral. | S005§103(a)–(b); **T**. |\n| **C009** | Consumer refinance/mixed debt | Nonconsumer §103 rules not automatically imported. | S005(e)–(h); **T**. |\n| **C010** | Cross-collateral/future advance | Actual clause and consumer after-acquired limitation matter. | S001§204; S002§51; **T/G**. |\n| **C011** | Security interest enforced | Value, rights and applicable agreement/possession predicates. | S006§203; S002§50; **T**. |\n| **C012** | Ownership label relied on | Title location does not itself determine all Article9 rights. | S001§202; **T**. |\n| **C013** | Perfection asserted | Apply certificate-title route and inventory exceptions. | S007§311; S016; **T**. |\n| **C014** | Debt transferred | Assignment/notice and actual authority separate from price or title label. | S016§908; **T/I**. |\n| **C015** | Act926 title change invoked | §§9–10 depend on specified certification not verified here. | S017§12; **T/G**. |\n| **C016** | Secured creditor sells used car | Dealer exclusion has statutory balance/cost conditions. | S019§602(10)(B)(iii),604,606; **T**. |\n| **C017** | Repo tow business/vehicle operates | Appropriate license/permit within scope; consent-only insufficient. | S020§§101–102,106(a)–(b); **T**. |\n| **C018** | Credential/rate sheet cited | No actual status or fee/transaction permission follows. | S020§106(c)(3)(D); **T/G**. |\n\n## J2. Default, peace, judicial recovery, and federal boundaries\n\n| Claim ID | Actor/object/trigger | Required step or consequence | Authority/type/limit |\n| --- | --- | --- | --- |\n| **C019** | Creditor alleges default | Establish actual contract event and payment facts. | S008§601; S009§609; **T/G**. |\n| **C020** | Universal cure/grace claimed | No universal period established from bodies read; other law/contract held. | S009; **G**. |\n| **C021** | Insecurity acceleration used | Apply §1-309 good-faith impairment/burden rule. | S003§309; **T**. |\n| **C022** | Late payments repeatedly accepted | Morgan’s course-of-dealing record matters. | S029; **H**. |\n| **C023** | Both nonwaiver clauses present | Minor answers the specified future-compliance question. | S028pp.9–13; **H**. |\n| **C024** | Minor treated as full merits ruling | Certified question only; remaining case remanded. | S028caption/disposition; **H**. |\n| **C025** | Self-help chosen | Actual default and no breach of peace required. | S009§609(a)–(b); **T**. |\n| **C026** | Assembly demanded | Agreement and reasonable-convenience conditions apply. | S009§609(c); **T**. |\n| **C027** | Contract waives peace duty | Nonwaiver/agreed-standard restrictions apply. | S008§§602–603; **T**. |\n| **C028** | Confrontational taking | Brewer upheld conversion on actual force-risk facts. | S030; **H**, pre-UCC context. |\n| **C029** | Open-driveway taking | Baldwin’s result depends on no barricade/confrontation facts. | S032; **H**. |\n| **C030** | Vehicle and belongings taken | Herring separates collateral right from noncollateral retention. | S031; **H**. |\n| **C031** | Night taking challenged | Williams majority is record-specific; dissent preserved. | S033; **H**. |\n| **C032** | Police are present | Thompson’s constitutional/qualified-immunity analysis not Article9 permission. | S039pp.5–10; **H/G**. |\n| **C033** | Personal items demanded | Identify noncollateral ownership, custody, demand and return facts. | S031–S032; **H/I**. |\n| **C034** | Towing content rule invoked | Statutory possessory-lien regime not universal lender-repo retrieval fee. | S021§1208; S022§4; **T/G**. |\n| **C035** | Secured party holds collateral | Reasonable care and actual expense/use conditions apply. | S001§207; S002§52; **T**. |\n| **C036** | Judicial possession sought | Petition/notice/possession-proof route required. | S023§§804–806; **T**. |\n| **C037** | Emergency/alternative route used | Actual statutory predicates and court action required. | S023§§807–808; **T**. |\n| **C038** | Affidavit/order/bond required | Apply actual description, entitlement and bond conditions. | S024§§810–812; **T**. |\n| **C039** | Replevin deadline generalized | Current-rule integration/local form not completed. | S023–S024,S040; **G**. |\n| **C040** | Servicemember protection asserted | Establish qualifying pre-service contract/payment and service conditions. | S025§3952; **T/G**. |\n| **C041** | SCRA waiver asserted | Separate statutory timing/writing/format predicates required. | S025§3918; **T**. |\n| **C042** | Bankruptcy flag present | Apply actual stay/exception/duration/relief, not blanket permission. | S026§362(a),(c),(d),(h); **T/G**. |\n\n## J3. Version, notice, and sale\n\n| Claim ID | Actor/object/trigger | Required step or consequence | Authority/type/limit |\n| --- | --- | --- | --- |\n| **C043** | Historical Article9 case used | Revised act effective July1,2001 with saving provisions. | S001§§701–702; **T**. |\n| **C044** | Current2026 provision used | Act997 effectiveSep1,2026, not approval date. | S002§100; **T**. |\n| **C045** | Older transaction/proceeding | Apply special§4-12A-301 transition; prior proceedings distinguished. | S002pp.100–101; **T**. |\n| **C046** | Notice/consent record prepared | Current signed terminology; authenticity/delivery facts still required. | S002§§88–97; **T/G**. |\n| **C047** | Disposition planned | Notify debtor and secondary obligor unless valid exception/waiver. | S010§611(b)–(c); S002§88; **T**. |\n| **C048** | Other lienholder notice | §611(c)(3) applies to nonconsumer goods; acceptance differs. | S010; S002§95; **T**. |\n| **C049** | Notice exception asserted | Prove perishable/speedy-decline/recognized-market predicate. | S010§611(d); **T**. |\n| **C050** | Consumer notice interval | Reasonableness factual. | S010§612(a); **T**. |\n| **C051** | Ten-day safe harbor invoked | §612(b) excludes consumer transactions. | S010; **T**. |\n| **C052** | Notice waived | Signed post-default agreement required. | S002§96/§624(a); **T**. |\n| **C053** | Consumer notice contents | Apply§614 plus§613(a)(1) and actual public/private information. | S002§§89–90; **T**. |\n| **C054** | Statutory model used | Sufficient-information form only when properly completed; not all-law approval. | S002§614(a)(3),(b); **T/G**. |\n| **C055** | Minor-error safe harbor claimed | Former§614 paragraphs deleted; do not import§616(d). | S002§90; S012(d); **T**. |\n| **C056** | Notice sent/received | Proper sending and recipient facts differ from receipt; no deemed delivery conclusion. | S002§1,§88; **T/G**. |\n| **C057** | Actual sale differs from notice | Actual type/date/place must be evaluated, not form title alone. | S002§614; S037–S038; **T/H**. |\n| **C058** | Collateral disposed | Every aspect must be commercially reasonable. | S009§610(b); **T**. |\n| **C059** | Better price alleged | Price alone not dispositive; complete sale circumstances matter. | S015§627; S038; **T/H**. |\n| **C060** | Creditor proves sale | Greenlee/Prince distinguish thin proof from detailed record. | S035,S038; **H**. |\n| **C061** | Dealer auction called public | Beard’s restricted auction was private on its facts. | S037at28–30; **H**. |\n| **C062** | Secured party buys | Public/private purchase restrictions apply. | S009§610(c); **T**. |\n| **C063** | Transferee takes collateral | §617 rights/good-faith qualifications; senior interests not automatically discharged. | S013§617; **T**. |\n| **C064** | Title transferred on record | §619(c): not itself disposition or satisfaction; duties continue. | S013; S002§93; **T**. |\n\n## J4. Redemption, accounting, remedies, and models\n\n| Claim ID | Actor/object/trigger | Required step or consequence | Authority/type/limit |\n| --- | --- | --- | --- |\n| **C065** | Eligible party redeems | Tender all secured obligations and qualifying expenses/fees. | S014§623(a)–(b); **T**. |\n| **C066** | Redemption timing | Before collection, disposition/contract or acceptance cutoff. | S014§623(c); **T**. |\n| **C067** | Redemption waiver proposed | §624(c) does not permit it in consumer-goods transaction. | S002§96; **T**. |\n| **C068** | Reinstatement requested | Actual contract/other-law right and amount needed. | S028; §623 distinction; **G/I**. |\n| **C069** | Creditor keeps collateral | §620 acceptance conditions, including creditor consent, required. | S002§94; **T**. |\n| **C070** | Debtor full-satisfaction consent | Postdefault signed agreement or qualifying proposal/no timely objection. | §620(c)(2); **T**. |\n| **C071** | Other interests object | Apply§621 recipients and§620(d) receipt windows. | S002§§94–95; **T**. |\n| **C072** | Partial acceptance in consumer transaction | Prohibited by§620(g). | S002§94; **T**. |\n| **C073** | Sixty-percent threshold | Cash price forPMSI; principal fornonPMSI consumer goods. | §620(e); **T**. |\n| **C074** | Compulsory disposition required | Ninety days after possession or qualifying longer agreement. | §620(f); **T**. |\n| **C075** | Mandatory sale waived | Signed postdefault agreement under§624(b). | S002§96; **T**. |\n| **C076** | Acceptance validly occurs | Discharge/transfer/subordinate-interest effects under§622. | S014§622; **T**. |\n| **C077** | Vehicle surrendered or possessed | Not automatically payment or full satisfaction. | §620(b),§622; **T/I**. |\n| **C078** | Cash sale proceeds received | Apply§615 ordering to actual proceeds. | S011(a); S002§91; **T**. |\n| **C079** | Expenses/attorney fees deducted | Reasonableness, agreement and legality predicates. | S011(a)(1); **T**. |\n| **C080** | Junior claimant paid | Timely signed demand/proof conditions. | S011(a)(3),(b); S002§91; **T**. |\n| **C081** | Senior claim/proceeds considered | Apply§615(g) and§617, not automatic free-clear payoff. | S011(g),S013; **T**. |\n| **C082** | Noncash/trade-in proceeds | Commercially reasonable value/accounting required. | S011(c); S036; **T/H**. |\n| **C083** | Related-party low-price transfer | §615(f)’s comparison amount and predicates matter. | S011(f); **T**. |\n| **C084** | Surplus/deficiency computed | Debtor surplus and obligor deficiency subject to governing conditions/defenses. | S011(d); **T**. |\n| **C085** | Receivables-sale exception invoked | Distinguish transferor relationship from consumer collateral enforcement. | S008(g),S011(e); **I/G**. |\n| **C086** | Rebate/GAP/refund asserted | Establish legal entitlement, amount, prior credit and actual receipt separately. | S012(c)(1),(5); **T/G**. |\n| **C087** | Consumer post-sale demand/accounting | Send required explanation at stated event. | S002§92/§616(b); **T**. |\n| **C088** | Proper explanation request received | Fourteen-day response or qualifying deficiency-waiver record. | §616(b)(1)(B),(2); **T**. |\n| **C089** | Explanation calculated | Required sequence/reference date/expenses/credits; no duplicate entries. | §616(c); **T**. |\n| **C090** | Explanation copy charged | Exact six-month/free-response and additional≤$25 conditions. | S012(e); **T**. |\n| **C091** | Vehicle lien fully paid | §909’s final-payment and ten-business-day release conditions. | S018§909(a)–(d),§4-4-215; **T**, actual calendar held. |\n| **C092** | Title release/status inferred | Actual final payment/form/conditional title-law implementation required. | S017–S018,S040; **G**. |\n| **C093** | Noncompliant enforcement shown | Court may restrain/order on appropriate terms. | S015§625(a); **T**. |\n| **C094** | Actual loss claimed | Causation and claimant status required. | §625(b),(c)(1); **T**. |\n| **C095** | Consumer-goods minimum sought | Correct alternative base/formula and qualifying claimant/failure. | §625(c)(2); **T**. |\n| **C096** | Minimum repeated or explanation-only | §628(d)–(e) limitations apply. | S015; S002§97; **T**. |\n| **C097** | $500 explanation remedy sought | Apply actual pattern/practice or request-waiver subsection. | §625(e)(5)–(6); **T**. |\n| **C098** | Deficiency reduction and damages combined | Apply§625(d); no automatic stacking/offset. | S015; **T/G**. |\n| **C099** | Nonconsumer deficiency formula proposed | §626(a) does not govern consumer transactions by default. | S015§626; **T**. |\n| **C100** | Consumer deficiency consequence | Court determines proper rule; established approaches permitted. | §626(b); **T**. |\n| **C101** | No-notice bar asserted | Hallett’s actual former-law holding remains distinct from current complete rule. | S034; **H/G**. |\n| **C102** | Sale proof inadequate | Greenlee barred deficiency on its record; other notice issue not reached. | S035; **H**. |\n| **C103** | Knowledge/business-purpose defense | §628’s knowledge/reasonable-reliance predicates must be proved. | S015; S002§97; **T**. |\n| **C104** | Fees/tort recovery requested | Separate legal basis needed; Morgan reversed contract-fee treatment of tort. | S029; **H/G**. |\n| **C105** | Current law certified | Selected acts and mirrors leave complete chains open. | Source register; **G**. |\n| **C106** | Case treatment certified | Published bodies read, no complete citator; historical versions preserved. | S027–S039; **G**. |\n| **C107** | Actual operator/vehicle status | No private fact, credential or title check performed. | Scope; **G**. |\n| **C108** | Sector/territory generalized | Special programs, loans, local/tribal/foreign rules held. | Scope/coverage; **G**. |\n| **C109** | M01 used | Conditional proceeds/expense/credit arithmetic only. | M01; C078–C090; **C**. |\n| **C110** | M02 used | Date intervals do not prove consumer reasonableness. | M02; C047–C057; **C**. |\n| **C111** | M03 used | Redemption, reinstatement and acceptance branches not combined. | M03; C065–C077; **C**. |\n| **C112** | M04 used | Potential statutory measure is not automatic award, offset or deficiency result. | M04; C093–C104; **C**. |\n\n# K. Granular coverage and exact remaining work\n\n## K1. Core coverage — 32 rows\n\n| Row | Requested issue | Resolved portion / claims | Exact missing evidence or next action |\n| --- | --- | --- | --- |\n| K01 | Article9 scope | Material scope and consumer-law preservation; C001 | Current complete official chain and actual transaction. |\n| K02 | Consumer classifications | Separate purpose tests; C002 | Actual vehicle use and obligation purpose. |\n| K03 | Debtor/obligor/secondary | Defined roles; C003–C005 | Actual ownership, liability and authority. |\n| K04 | Lease/title retention | Substance tests; C006–C007 | Actual agreement, economics and termination rights. |\n| K05 | PMSI/refinance/cross-collateral | Consumer limitations identified; C008–C010 | Tracing, contract and responsive consumer construction. |\n| K06 | Attachment | Material conditions; C011–C012 | Actual signed agreement/value/rights. |\n| K07 | Perfection/title/priority | Necessary title provisions read; C013–C015 | Actual title, competing interests and conditional implementation. |\n| K08 | Relevant licensing | Tow/dealer gates; C016–C018 | Actual credential/exemption; non-towing/new-dealer/finance regimes. |\n| K09 | Default/cure | Contract and bounded no-universal-period finding | Actual default, cure provision and special law. |\n| K10 | Course of dealing | Morgan/Minor distinguished | Actual clauses, conduct, notices and preservation. |\n| K11 | Peaceful possession | Statute and fact-specific cases | Actual conduct, objection, entry and consent. |\n| K12 | Police/locked premises | Federal boundary and state-law hold | Actual aid, coercion, premises and applicable law. |\n| K13 | Belongings/care | Separate noncollateral and care duties | Inventory, ownership, custody, demand and lawful return. |\n| K14 | Judicial recovery | Material statutory routes read | Current rules, local forms, notice and order. |\n| K15 | SCRA/bankruptcy | Necessary federal barriers read | Actual service/petition/order and full linked definitions. |\n| K16 | Currentness/transition | 2001/2026 clauses read | Complete later enactments and actual proceeding date. |\n| K17 | Notice recipients | Debtor/secondary and nonconsumer distinction | Actual parties and other interest holders. |\n| K18 | Timing/exceptions | Consumer reasonableness/nonconsumer safe harbor | Actual interval, circumstances and exception facts. |\n| K19 | Notice contents/form | Current consumer form/instructions read | Actual completed notice and facts. |\n| K20 | Sending/receipt/waiver | Distinctions preserved | Actual method, destination, signed record and postdefault waiver. |\n| K21 | Public/private sale | Beard and statutory distinctions | Actual market access, time/place and disposition. |\n| K22 | Commercial reasonableness | Current text and contrasting cases | Condition, exposure, timing, buyers and proof. |\n| K23 | Purchaser/title effects | §§617/619 read | Actual good faith, priorities and transfer process. |\n| K24 | Redemption/reinstatement | Amount/cutoffs separated | Actual tender, secured sum and reinstatement right. |\n| K25 | Acceptance/objections | Current conditions and recipients | Actual consent, proposal, objection and possession. |\n| K26 | Mandatory sale | 60% bases/90days/waiver read | Actual payments, original base and postdefault agreements. |\n| K27 | Proceeds/expenses/priorities | §615 ordering | Actual gross receipts, costs and competing claims. |\n| K28 | Refunds/GAP/credits | Known-entitlement distinction | Contract/statute and actual refund or credit evidence. |\n| K29 | Explanation | Content/timing/copy rules | Actual request, sending, calculations and waiver. |\n| K30 | Consumer deficiency | §626 and historical cases compared | Current controlling application to exact noncompliance. |\n| K31 | Remedies | Bases, limits and no stacking | Actual causation, status, defense and judicial award. |\n| K32 | Forms/title release | Statutory forms read; DFA form blocked | Current accepted title instrument, final payment and local procedure. |\n\n## K2. Workflow coverage — 12 rows\n\n| Row | Actor/event | Supported inquiry | Remaining evidence |\n| --- | --- | --- | --- |\n| W01 | Transaction originates | Classify purpose, security and actor. | Actual contract and status. |\n| W02 | Rights transfer | Establish assigned security and authority. | Actual transfer chain and scope. |\n| W03 | Default alleged | Verify event, credits and contract conditions. | Actual payment and notice history. |\n| W04 | Recovery selected | Distinguish judicial and peaceful self-help. | Actual authority and applicable process. |\n| W05 | Vehicle taken | Preserve care and separate belongings. | Actual conduct/inventory/custody. |\n| W06 | Post-possession option chosen | Redemption, reinstatement, sale or acceptance. | Actual rights, amount and conditions. |\n| W07 | Disposition notice sent | Correct recipients, content, timing and method. | Actual signed record and destination. |\n| W08 | Sale conducted | Commercial reasonableness and buyer restrictions. | Actual sale file and proceeds. |\n| W09 | Funds applied | Proper expenses, secured debt and priority. | Actual ledger and legal authorization. |\n| W10 | Explanation requested/demand made | §616 event and response. | Actual receipt, content and delivery. |\n| W11 | Deficiency/remedy disputed | Consumer rule, proof, causation and defenses. | Actual evidence and judicial construction. |\n| W12 | Title/obligation resolved | Separate record transfer, release and cash satisfaction. | Actual final payment, instrument and administrative steps. |\n\n## K3. Currentness/source coverage — 8 rows\n\n| Row | Source issue | Status | Exact next authority |\n| --- | --- | --- | --- |\n| Q01 | Revised Article9 | Official2001 act and mirrors | Complete current integrated official text. |\n| Q02 | 2026 amendments | Material Act997 text/redlines/transition read | Any later amendment and actual transition application. |\n| Q03 | Title system | Act926 conditional clause read | Official certification and operative implementing rules. |\n| Q04 | Towing rule | Current official CAR body and codification note | Signed adoption/filing and full later-amendment chain. |\n| Q05 | Dealer/finance regulation | Narrow used-dealer bodies read | Applicable original/material amendments and actor-specific finance law. |\n| Q06 | Judicial recovery | Current mirrors read | Promulgated current-rule integration and generic local packet. |\n| Q07 | Federal boundaries | Official3952/3918/362; reproduced3911 | Full linked definitions and case-specific stay/order law. |\n| Q08 | Judicial treatment | Twelve published material bodies | Complete citator and post-revision consumer deficiency/acceptance construction. |\n\n## K4. Model coverage — 4 rows\n\n| Row | Completed work | Remaining legal predicates |\n| --- | --- | --- |\n| M01 | Cash proceeds, expenses, credits and balance reconcile. | Actual lawful charges, priorities and compliance. |\n| M02 | Notice/request dates separated without false ten-day safe harbor. | Actual reasonable timing, method and content. |\n| M03 | Redemption, reinstatement and noncash acceptance separated. | Actual agreements, tender, thresholds and consent. |\n| M04 | Deficiency and potential statutory measure kept distinct. | Actual violation, consumer rule, defense and awarded remedy. |\n\n## K5. Territorial and actual-record holds — 6 rows\n\n| Row | Area | Remaining investigation |\n| --- | --- | --- |\n| T01 | Arkansas counties/courts | Actual adopted replevin and filing practices; no county inventory claimed. |\n| T02 | Vehicle location and title state | Governing title/perfection/priority and interstate movement rules. |\n| T03 | Tribal nexus | Sovereign law, jurisdiction, immunity and actual actor. |\n| T04 | Foreign-country transaction | Applicable law and enforcement; no Arkansas export assumption. |\n| T05 | Actual institution/operator | No charter, license, permit, insurance or status query. |\n| T06 | Actual vehicle/account | No VIN, title, agreement, military status, payment, sale or court record examined. |\n\n## K6. Deferred families — 10 rows\n\n| Row | Family | Remaining scope |\n| --- | --- | --- |\n| D01 | Provider/CSO/CROA | Separate permission and fee regimes. |\n| D02 | General collection/FDCPA/FCRA | Communications, validation and reporting. |\n| D03 | Full loan merits/assignment/evidence | Actual validity and complete ownership proof. |\n| D04 | Usury/interest/fee authority | No prior unreviewed rate conclusions imported. |\n| D05 | General litigation/default/limitations | Only necessary judicial recovery boundary addressed. |\n| D06 | Arbitration/judgment satisfaction | No previous saved findings adopted. |\n| D07 | Bankruptcy/SCRA full dossiers | Narrow override flags only. |\n| D08 | Insurance/GAP/service contracts | Actual coverage, cancellation, refund and deficiency-reduction rights. |\n| D09 | True lease/title loan/business/special collateral | Classification branches, not completed specialized investigations. |\n| D10 | Medical/rent/utilities/mortgage/government/local/tribal | Broader state and parent dimensions remain open. |\n\nThese six coverage groups contain **72 rows**. Crosswalks and repeated summary holds are not additional accepted coverage.\n\n# L. Researcher self-check and contribution crosswalk\n\n**Actually read:** selected official 2001 and 2025 enactments and their material transition clauses; the official posted towing-rule bodies; dated Article 9, title, dealer and replevin reproductions; narrow federal SCRA and bankruptcy bodies; twelve published opinion bodies; and the current statutory consumer-notice form and instructions.\n\n**Not established:** complete October 2026 official Arkansas codification; Act 926’s triggering certification; the accepted DFA repossession form; full towing-rule adoption history; every lender/recovery-business licensing regime; a universal pre-repossession cure rule; complete modern consumer deficiency and strict-acceptance treatment; current local procedure; or any actual loan, title, default, authority, payment, notice, sale or remedy fact.\n\n**Case and citation limits:** historical UCC text was not presented as current text. *Minor*’s actual opinion date and certified-question disposition were checked in the PDF. *Greenlee*’s transition footnote and unaddressed notice issue were preserved. *Thompson* is a federal constitutional/qualified-immunity decision, not an Arkansas repossession-permission holding. Quoted underlying cases were not counted as fresh reads. No complete citator was obtained.\n\n| Documented foundation | Narrow contribution | Unchanged boundary |\n| --- | --- | --- |\n| Reviewed P01: **“Preserve all contracts/funds/bonds/remedies/limitations/securedsector/local/tribal/state gaps.”** | Investigates this vehicle secured-loan repossession/disposition gateway. | No invented earlier exact repossession row or acceptance of all secured-sector work. |\n| Authorized Arkansas parent: **“vehicles/repo/deficiency.”** | Supplies transaction, default, possession, notice, redemption, accounting and remedy matrices. | No actual actor permission, sale approval, deficiency judgment or remedy determination. |\n| Separate scoped reviews and saved unreviewed passes | Earlier raw provenance preserved; no legal findings imported as premises. | No component/state/parent/A066 or broader operational/publication acceptance. |\n\n**Counts:** 40 source/access groups; 112 atomic claims; 12 published-case entries; 4 worked models; 16 additional fictional postures; 32 core-coverage rows; 12 workflow rows; 8 currentness rows; 4 model rows; 6 territorial/actual-record rows; 10 deferred-family rows; and 3 separate crosswalk rows. Grouped URLs, repeated sections and overlapping explanations are not independent corroborating authorities.\n\nNo independent review, local write, hash, unseen model verification, real repossession or collection permission, guaranteed outcome, title conclusion, completed form, or publication readiness is asserted.\n\nEND S_AR PASS-16\n\n","tables":[{"headers":["Question","Governing distinction","Required facts and limits"],"index":0,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Question","Governing distinction","Required facts and limits"],["Article 9 transaction","Section 4-9-109 generally covers a transaction, regardless of form, creating a contractual security interest in personal property.","Federal preemption and the section’s exclusions remain operative. A statutory towing lien is not automatically the same interest as the lender’s consensual security interest. C001."],["Consumer goods","Goods used or bought primarily for personal, family, or household purposes.","The vehicle’s actual primary purpose matters. An individual owner does not make a business vehicle consumer goods. C002."],["Consumer transaction","An individual incurs the obligation primarily for personal, family, or household purposes, a security interest secures it, and collateral is held or acquired primarily for those purposes.","Obligation purpose and collateral purpose are separate predicates. C002."],["Consumer-goods transaction","A consumer transaction in which an individual’s obligation is secured by consumer goods.","This classification controls several notice, redemption-waiver, acceptance, and explanation rules. C002."],["Debtor","A person with the relevant nonlien interest in collateral, whether or not personally obligated.","Ownership and payment liability can reside in different people. C003."],["Obligor / secondary obligor","Payment or performance liability, including the specified secondary-obligation relationship.","A title owner, borrower, guarantor, and cosigner are not automatically interchangeable. C004."],["Secured party / agent","The actual security interest and statutory representative categories must be established.","A servicer’s name or collection demand does not prove ownership, enforcement rights, or repossession authority. C005."],["True lease","Section 4-1-203 applies its economic-substance and nonterminability tests.","A document called a lease may create security; a purchase option or allocation of expenses alone does not settle every case. C006."],["Title retention","Retention or reservation of title by a seller is treated as a security-interest issue under the applicable UCC text.","“We still own the car” does not bypass default, peaceful-possession, notice, or sale requirements. C007."],["Purchase-money interest","Section 9-103 ties the interest to the purchase-money obligation and collateral.","Refinancing, mixed debt and cross-collateral terms require actual tracing and applicable law. C008–C010."],["Consumer refinancing","Section 9-103’s specified nonconsumer continuation/allocation rules are not automatically transplanted into consumer-goods transactions.","Subsection (h) leaves the proper consumer rule to the court. C009."],["Nonpurchase vehicle collateral / title loan","May create an Article 9 security interest, but can have different purchase-money and compulsory-disposition consequences.","Full title-loan licensing, rate, and specialized protection regimes remain held. C008–C010."]]},{"headers":["Legal object","Necessary inquiry","What does not prove it automatically"],"index":1,"links":[],"row_links":[[],[],[],[],[],[],[],[]],"rows":[["Legal object","Necessary inquiry","What does not prove it automatically"],["Attachment/enforceability","Value, debtor’s rights or power to transfer rights, and the applicable signed-security-agreement or other statutory condition under § 9-203.","A title notation alone."],["Scope of collateral","Actual description, after-acquired-property and future-advance terms, and § 9-204’s consumer-goods limitation.","A broad account label or unrelated debt balance."],["Perfection","Section 9-311 and the applicable certificate-of-title statute, including inventory exceptions.","Mere possession of a photocopy or an ordinary UCC filing in every titled-vehicle case."],["Priority","Competing interests, timing, title/perfection rules and exceptions.","Being first to send a demand."],["Assignment","Actual transferred rights and authority; § 27-14-908’s assignment/notice provisions where applicable.","Portfolio purchase price or a new servicing name."],["Default remedy","A present contractual/statutory right after actual default, subject to protected rights and overriding law.","Perfection alone or a registered lienholder name."],["Record-title transfer","Section 9-619’s transfer statement and the actual motor-vehicle administrative requirements.","Transfer of record title is not itself a disposition or acceptance in satisfaction under § 9-619(c)."]]},{"headers":["Issue","Text or holding","Fact-sensitive boundary"],"index":2,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[]],"rows":[["Issue","Text or holding","Fact-sensitive boundary"],["Self-help","Section 9-609(b)(2) permits taking possession without judicial process only without breach of the peace.","Actual entitlement and manner both must be established."],["Judicial recovery","Section 9-609(b)(1) permits judicial process.","The required court process is not supplied by a private demand or tow order."],["Assembly","Section 9-609(c) permits the stated agreed requirement to assemble collateral at a reasonably convenient place.","It is not a universal relocation instruction or permission to enter premises."],["Contract waiver","Sections 9-602–603 limit waiver and agreed standards. The no-breach-of-peace duty cannot simply be defined away.","“Borrower consents to entry” does not resolve every later confrontation or entry."],["Objection and threatened force","Brewer affirmed conversion where the actual confrontation and risk of force made the taking unlawful.","No generic script or tactic is authorized."],["Open driveway","Baldwin found no breach on an open, unenclosed driveway without overcoming a barricade or confrontation.","The court contrasted—not approved—different premises and confrontation facts."],["Nighttime taking","Williams affirmed judgment notwithstanding the verdict on its record without sufficient breach evidence.","The dissent and materially different facts prevent a universal “night repossession is lawful” rule."],["Police involvement","Thompson distinguishes mere peacekeeping from affirmative governmental aid in its federal constitutional analysis.","Qualified immunity and state action are not the same question as Arkansas Article 9 compliance."],["Locked premises / remote immobilization","No universal lawful method was established.","Actual consent, revocation, physical entry, equipment classification, safety, and applicable law remain held."]]},{"headers":["Authority","Material effect verified","Limit"],"index":3,"links":[],"row_links":[[],[],[],[],[],[]],"rows":[["Authority","Material effect verified","Limit"],["Act 1439 of 2001","Revised Article 9 effective July 1, 2001; saving provisions examined.","Older cases often apply former §§ 9-503–507. Their text must be compared with current provisions."],["Act 997 of 2025","Effective September 1, 2026; material signed-record, consumer-form, explanation, acceptance and waiver changes.","Approval was April 22, 2025; not the effective date."],["§ 4-12A-301 transition","Chapter 9 amendments generally apply to prior transactions, subject to the part’s qualifications.","They do not affect an action, case or proceeding commenced before September 1, 2026."],["Adjustment provisions","Certain transition/perfection/priority provisions have their own dates.","September 1, 2027 is not a universal consumer-notice grace date."],["Dated mirrors","Several pages explicitly state “effective until September 1, 2026.”","Their unchanged portions can be compared, but changed wording must come from the enacted amendment."]]},{"headers":["Issue","Rule examined","Consequence"],"index":4,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Issue","Rule examined","Consequence"],["Who receives disposition notice?","Section 9-611 requires the debtor and any secondary obligor, subject to exceptions and valid waiver.","Title ownership and personal liability must be classified; one borrower’s notice does not automatically cover another required recipient."],["Other lienholders","The additional § 611(c)(3) list is expressly for collateral other than consumer goods.","Do not import or omit recipients without the proper category. Acceptance under § 621 has its own recipient rules."],["Exceptions","Perishable goods, threatened speedy decline, or a recognized-market type can invoke § 611(d).","An ordinary used car is not automatically within an exception because vehicles depreciate or have price guides."],["Timing","Section 9-612(a) makes reasonableness factual; subsection (b)’s ten-day safe harbor excludes consumer transactions.","Ten elapsed days is not a universal consumer compliance certificate."],["Waiver","Section 9-624(a) permits the stated signed post-default agreement.","Original-contract boilerplate is not automatically a valid disposition-notice waiver."],["Consumer contents","Section 9-614 adds deficiency information, redemption telephone number and additional-information contact to § 613(a)(1)’s required content.","Consumer-specific requirements cannot be replaced by a nonconsumer form alone."],["Public sale","Notice must supply the applicable time and place.","“After a date” is not the same public-sale information."],["Private sale","Notice uses the time after which the disposition will occur.","A dealers-only auction can be private under Beard’s actual access facts; “auction” alone does not decide the category."],["Method","Current § 611 requires sending a reasonable signed notification.","Proper sending, destination, signature/record and method must be proved. Actual receipt and sending are not interchangeable concepts."],["Form safe harbor","Current § 614(a)(3), completed according to its instructions, supplies sufficient information.","It does not prove timely sending, correct facts, lawful repossession, reasonable sale, or every other law’s compliance."],["Minor errors","Act 997 deleted the former additional paragraphs in § 614; current § 616 retains its own substantial-compliance/minor-error wording.","Do not borrow the explanation provision’s qualification to declare every defective consumer sale notice sufficient."]]},{"headers":["Route","Required event and amount","Result and limit"],"index":5,"links":[],"row_links":[[],[],[],[],[],[],[],[],[]],"rows":[["Route","Required event and amount","Result and limit"],["Redemption — § 623","Eligible debtor, secondary obligor or other secured party/lienholder tenders all secured obligations and the qualifying reasonable expenses/fees.","Not merely past-due installments unless that is the entire lawful secured amount."],["Redemption cutoff","Before collection under § 607, disposition or contract for disposition, or acceptance under § 622.","A request alone is not necessarily tender; actual timing and qualifying amount matter."],["Reinstatement","Actual contractual or independently applicable legal right to cure and restore installments.","Not supplied as a universal Article 9 right."],["Full acceptance","Section 620’s actual secured-party consent/proposal, debtor consent, possession and objection conditions.","Physical possession alone does not equal acceptance."],["Partial acceptance","The statutory partial-satisfaction mechanism cannot be used in a consumer transaction.","A consumer settlement must not be relabeled as a prohibited Article 9 partial acceptance."],["Consumer consent","Signed post-default agreement, or the stated full-satisfaction proposal and absence of a timely signed objection.","Consumer goods must not remain in the debtor’s possession when the debtor consents."],["Other interests","Section 621’s separate proposal-recipient requirements and § 620(d)’s objection periods.","Do not carry the consumer disposition-recipient limitation into acceptance automatically."],["Effect of valid acceptance","Section 622 discharges the obligation to the extent consented to and transfers/discharges the specified interests.","It is not an actual cash payment; senior interests and other law remain separate."]]},{"headers":["Item","Governing treatment","Proof required"],"index":6,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Item","Governing treatment","Proof required"],["Actual cash proceeds","Apply under § 615’s order.","Actual sale price and receipt—not an estimate, reserve, asking price or uncompleted sale."],["Expenses","Reasonable retaking, holding, preparation, processing and disposition expenses; legal fees only to the extent agreed and not prohibited.","Actual amount, reasonableness, relation to disposition and legal authority."],["Secured obligation","Apply proceeds to obligations secured by the interest under which sale occurred.","Actual balance, secured scope, lawful interest/fees, acceleration and credits."],["Subordinate claims","Apply the statutory signed-demand and proof conditions.","Priority, timely demand and reasonable proof when requested."],["Senior claims","Not automatically part of § 615(a)’s junior-demand allocation.","Actual priority, title, sale and good-faith/no-knowledge conditions."],["Noncash proceeds/trade-in","Section 615(c) and Thrower require commercially reasonable treatment.","A dealer’s artificial allowance is not automatically the trade-in’s actual value."],["Related-party low-price sale","Section 615(f) can use the compliant unrelated-sale amount.","Related transferee and significant price shortfall must be proved."],["Surplus","Account to and pay the debtor after the required applications, subject to the section’s exceptions.","Correct recipient and all valid priority claims."],["Deficiency","Section 615 states liability subject to applicable defenses and noncompliance consequences.","Arithmetic does not establish an enforceable judgment."],["Rebates/refunds","Section 616 requires known credits to which the obligor is entitled that are not already reflected.","Contract/statute, amount and entitlement; expected third-party cash is not automatically a current receipt."],["GAP/service contract/insurance","Separate contract and statutory regimes can affect credits or coverage.","No universal automatic cancellation, refund, GAP payment or debt elimination was established."]]},{"headers":["Remedy","Statutory predicate","Limit"],"index":7,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[]],"rows":[["Remedy","Statutory predicate","Limit"],["Court order restraining or directing enforcement/disposition","Established failure to proceed according to Article 9.","Appropriate terms; no automatic injunction."],["Actual loss damages","Causation and qualifying claimant status.","Includes specified financing-related losses, but actual proof is required."],["Consumer-goods statutory minimum","Qualifying debtor or secondary obligor and failure within the applicable part.","Credit-service-charge + 10% principal or time-price-differential + 10% cash price, as applicable; not both automatically."],["Explanation-only failure","Section 628(d) excludes the § 625(c)(2) minimum solely for § 616 noncompliance.","Other specifically available remedies require their own predicates."],["Repeated statutory minimum","Section 628(e) limits it to once per secured obligation.","No per-letter or per-day multiplication inferred."],["$500 explanation-related remedy","Section 625(e)(5) requires the stated pattern/practice for § 616(b)(1); (e)(6) addresses § 616(b)(2).","Not every typo or isolated missing field automatically produces $500."],["Deficiency reduction plus damages","Section 625(d) contains its own recovery limitation where deficiency is eliminated/reduced under § 626.","Consumer applicability and other theories require analysis; no automatic stacking or net award."],["Knowledge/classification limitations","Section 628 contains actual-knowledge and reasonable-reliance predicates, as amended.","A self-serving “business purpose” label does not establish reasonable reliance."],["Attorney fees/tort remedies","A separate applicable legal basis is required.","Morgan reversed a fee award based on treating a conversion action as contract recovery."]]},{"headers":["Authority","Court/date and material posture","Narrow holding, disposition, and limits"],"index":8,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Authority","Court/date and material posture","Narrow holding, disposition, and limits"],["Minor v. Chase Auto Finance, 2010 Ark. 246 — S028","Arkansas Supreme Court, May 20, 2010; certified legal question involving late-payment course of dealing and two contract clauses.","Question answered; remanded to Court of Appeals. Actual PDF date controls. Wills concurrence joined by Gunter addressed certification procedure. Not a final resolution of every repossession issue."],["Mercedes-Benz Credit v. Morgan, 312 Ark. 225 — S029","Arkansas Supreme Court, March 1, 1993; conversion verdict after repeated late-payment acceptance.","Conversion result affirmed; attorney-fee award reversed/remanded. Nonwaiver argument not properly preserved; later Minor addresses reserved question."],["Manhattan Credit v. Brewer, 232 Ark. 976 — S030","Arkansas Supreme Court, January 9, 1961; confrontation and risk of force during automobile taking.","Conversion judgment affirmed. McFaddin concurrence identified. Pre-UCC contract posture; not a current universal objection formula."],["Ford Motor Credit v. Herring, 267 Ark. 201 — S031","Arkansas Supreme Court, November 26, 1979; vehicle taking and retention of tools/belongings.","Reversed/remanded on instructions/proof; vehicle repossession and noncollateral retention distinguished. Commercial trucks, not automatically a consumer transaction."],["Oaklawn Bank v. Baldwin, 289 Ark. 79 — S032","Arkansas Supreme Court, May 19, 1986; nighttime open-driveway repossession.","No breach on stated facts; personal-property issue required further determination; reversed/remanded. No locked-premises authorization."],["Williams v. Ford Motor Credit, 674 F.2d 717 — S033","Eighth Circuit, March 31, 1982; nighttime taking and disputed conduct.","Affirmed judgment notwithstanding verdict under Arkansas law on its record. Heaney dissented. Majority not a universal nighttime or objection rule."],["First State Bank v. Hallett, 291 Ark. 37 — S034","Arkansas Supreme Court, January 20, 1987; admitted lack of required sale notice.","Deficiency barred under former Article 9. Hays, Newbern and Glaze dissented. Current § 626(b) transition/application requires separate attention."],["Greenlee v. Mazda American Credit — S035","Arkansas Court of Appeals, September 28, 2005; deficiency trial with insufficient sale evidence.","Reversed; creditor not entitled to deficiency. Wrong-address notice issue not reached. Footnote 2’s old/new-law discussion preserved."],["Thrower v. Union Lincoln-Mercury, 282 Ark. 585 — S036","Arkansas Supreme Court, June 4, 1984; resale involving a trade-in and disputed deficiency/surplus.","Remanded for proper valuation/accounting; trade-in allowance not automatically fair value. Adkisson and Purtle dissented."],["Beard v. Ford Motor Credit, 41 Ark. App. 174 — S037","Arkansas Court of Appeals, March 31, 1993; dealers-only auction, notice and reasonableness.","Affirmed. Private-sale characterization depended on restricted participation; condition, mileage, promptness and evidence mattered."],["Prince v. R & T Motors — S038","Arkansas Court of Appeals, October 1, 1997; summary judgment supported by detailed public-sale evidence.","Affirmed; bare better-price assertion did not meet the record. Quoted older authorities not separately counted as read."],["Thompson v. Cockrell, No. 24-2120 — S039","Eighth Circuit, September 17, 2025; published constitutional/qualified-immunity decision involving theft under false ownership claims.","Affirmed. Actual police aid and clearly established law analyzed; not proof of valid Article 9 entitlement or Arkansas breach-of-peace compliance."]]},{"headers":["Expense","Amount"],"index":9,"links":[],"row_links":[[],[],[],[],[]],"rows":[["Expense","Amount"],["Repossession","$400"],["Holding/storage","$100"],["Sale expense","$300"],["Total","$800"]]},{"headers":["Date","Event"],"index":10,"links":[],"row_links":[[],[],[],[],[],[],[]],"rows":[["Date","Event"],["October 5, 2026","Secured party sends a properly signed paper notice by an appropriate, proved method."],["October 8","Consumer actually receives it."],["October 20","Notice states this as the date after which a private disposition may occur."],["October 22","Actual private sale occurs."],["October 23","Proper post-disposition explanation request is received."],["October 27","A substantively adequate explanation is sent."]]},{"headers":["Application","Amount"],"index":11,"links":[],"row_links":[[],[],[],[],[]],"rows":[["Application","Amount"],["Principal","$11,500"],["Stipulated lawful charges","$200"],["Qualifying expenses","$500"],["Total","$12,200"]]},{"headers":["Posture","Stage and facts","Rule/source, missing facts, and next legal question"],"index":12,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Posture","Stage and facts","Rule/source, missing facts, and next legal question"],["P01 — No default proof","Lender asserts delinquency but payment reversal is disputed.","§§601/609; prove actual default, valid credit and contract terms before remedy. C019–C021."],["P02 — Assignment disputed","New servicer’s demand names a different creditor.","Attachment/title/authority are distinct; actual transfer and agency evidence required. C011–C015."],["P03 — Belongings requested","Vehicle contains tools, medication and identity documents.","Herring/Baldwin and actual towing-law scope; identify noncollateral property and lawful return process. C033–C035."],["P04 — Consumer objects","Confrontation develops during taking.","Brewer fact-sensitive peace inquiry; no enforcement tactic or automatic all-objection result. C025–C032."],["P05 — Military flag","Pre-service installment contract and current service are alleged.","§3952/3918; actual status, dates, court order and waiver predicates held. C040–C041."],["P06 — Court versus self-help","Creditor has no peaceful route and refers to a private tow authorization.","Replevin statute/court order is different from private instruction. C036–C039."],["P07 — Wrong address","Notice mailed to old address despite conflicting current information.","Proper sending/reasonableness and actual knowledge require proof; time alone is insufficient. C047–C057."],["P08 — Late redemption request","Debtor calls before auction but after a binding disposition contract.","§623 cutoff may already matter; actual contract and valid tender facts required. C065–C066."],["P09 — Voluntary surrender","Debtor leaves keys and vehicle with creditor.","Possession is not automatically full acceptance or waiver. C069–C077."],["P10 — Low sale price","Price is below a guide estimate.","§627, Prince and Greenlee: examine complete sale evidence, not price alone. C058–C061."],["P11 — Thin sale record","Witness knows only a computer entry saying “auction.”","Greenlee addresses inadequate proof; actual exposure, condition, method and process missing. C060, C102."],["P12 — Business vehicle","Individual uses vehicle primarily for deliveries/business.","Consumer definitions and §628 reasonable reliance require actual purpose facts. C002, C103."],["P13 — Sale unknown","Creditor possesses car but cannot show sale or valid acceptance.","No hypothetical proceeds credit or automatic deficiency; actual event required. C064, C077–C090."],["P14 — Refinance/cross-collateral","New advance is added and vehicle secures multiple balances.","§103(h)/§204 and actual terms; no automatic consumer PMSI continuation. C008–C010."],["P15 — Related buyer","Affiliate purchases at a materially low price.","§615(f) predicates and compliant-sale comparison require evidence. C083."],["P16 — Title or GAP promise","Title is changed or GAP claim is pending.","Record transfer is not necessarily sale/satisfaction; GAP entitlement/payment and title-release conditions remain separate. C064, C086, C091–C092."]]},{"headers":["Source ID","Issuer/title/full literal HTTPS URL","Actual reading, version/effect and 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Not all103 pages read."],["S_AR-P16-S003","§§4-1-203,309. https://law.justia.com/codes/arkansas/title-4/subtitle-1/chapter-1/part-2/section-4-1-203/ ; https://law.justia.com/codes/arkansas/title-4/subtitle-1/chapter-1/part-3/section-4-1-309/","M,2025: complete lease/security test and insecurity-acceleration provision. Full original/later chain held."],["S_AR-P16-S004","§§4-9-102,109. https://law.justia.com/codes/arkansas/title-4/subtitle-1/chapter-9/part-1/subpart-1/section-4-9-102/ ; https://codes.findlaw.com/ar/title-4-business-and-commercial-law/ar-code-sect-4-9-109/","M: material consumer/debtor/obligor/secured-party definitions; complete scope/exclusion body. 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Approved Apr21,2025. Actual certification triggering §§9–10 not verified. Entire title-law transition not completed."],["S_AR-P16-S018","§§27-14-904,909;4-4-215. https://law.justia.com/codes/arkansas/title-27/subtitle-2/chapter-14/subchapter-9/section-27-14-904/ ; https://law.justia.com/codes/arkansas/title-27/subtitle-2/chapter-14/subchapter-9/section-27-14-909/ ; https://law.justia.com/codes/arkansas/title-4/subtitle-1/chapter-4/part-2/section-4-4-215/","M,2025: dealer-title transfer, release/final-payment and material bank finality provisions. §909 penalty text read but not developed as a separate remedy model."],["S_AR-P16-S019","§§23-112-602,604,606. https://law.justia.com/codes/arkansas/title-23/subtitle-4/chapter-112/subchapter-6/section-23-112-602/ ; https://law.justia.com/codes/arkansas/title-23/subtitle-4/chapter-112/subchapter-6/section-23-112-604/ ; https://law.justia.com/codes/arkansas/title-23/subtitle-4/chapter-112/subchapter-6/section-23-112-606/","M,2025: used-dealer definition/exclusions, State Police authority and license requirement. No actual dealer inquiry."],["S_AR-P16-S020","Official CAR170: https://codeofarrules.arkansas.gov/Rules/Rule?chapterID=226&levelType=part&partID=1021&sectionID=&subChapterID=277&subPartID=&titleID=27 ; §101 https://codeofarrules.arkansas.gov/Rules/Rule?chapterID=226&levelType=section&partID=1021&sectionID=25933&subChapterID=277&subPartID=4166&titleID=27 ; §102 https://codeofarrules.arkansas.gov/Rules/Rule?chapterID=226&levelType=section&partID=1021&sectionID=25934&subChapterID=277&subPartID=4166&titleID=27 ; §106 https://codeofarrules.arkansas.gov/Rules/Rule?chapterID=226&levelType=section&partID=1021&sectionID=25938&subChapterID=277&subPartID=4166&titleID=27","P/G: actual scope/exemptions, relevant definitions and licensing/permit body. Codification note references Aug23,2023 pre-codification effectiveness; current posted body and later enactments require full adoption-chain qualification. Footer/update not adoption."],["S_AR-P16-S021","§§27-50-1201,1202,1208. https://law.justia.com/codes/arkansas/title-27/subtitle-4/chapter-50/subchapter-12/section-27-50-1201/ ; https://law.justia.com/codes/arkansas/title-27/subtitle-4/chapter-50/subchapter-12/section-27-50-1202/ ; https://law.justia.com/codes/arkansas/title-27/subtitle-4/chapter-50/subchapter-12/section-27-50-1208/","M,2025: scope, relevant towing/repo definitions and material personal-content/possessory-lien provisions. Not a full abandoned-vehicle sale report."],["S_AR-P16-S022","Act932/2025. https://arkleg.state.ar.us/Home/FTPDocument?path=%2FACTS%2F2025R%2FPublic%2FACT932.pdf","P: §§2,4,8; content provisions printed4–5/PDF3–4, emergency printed7–8/PDF6–7. Images PDF3,7 inspected. Approved/effective under emergency clause Apr21,2025; particular future instruction date not generalized."],["S_AR-P16-S023","§§18-60-804–808. https://law.justia.com/codes/arkansas/title-18/subtitle-5/chapter-60/subchapter-8/section-18-60-804/ ; https://law.justia.com/codes/arkansas/title-18/subtitle-5/chapter-60/subchapter-8/section-18-60-805/ ; https://law.justia.com/codes/arkansas/title-18/subtitle-5/chapter-60/subchapter-8/section-18-60-806/ ; https://law.justia.com/codes/arkansas/title-18/subtitle-5/chapter-60/subchapter-8/section-18-60-807/ ; https://law.justia.com/codes/arkansas/title-18/subtitle-5/chapter-60/subchapter-8/section-18-60-808/","M,2025: petition, notice, prima facie hearing, emergency and alternative-notice bodies. Complete current rule/adoption integration held."],["S_AR-P16-S024","§§18-60-810–812. https://law.justia.com/codes/arkansas/title-18/subtitle-5/chapter-60/subchapter-8/section-18-60-810/ ; https://law.justia.com/codes/arkansas/title-18/subtitle-5/chapter-60/subchapter-8/section-18-60-811/ ; https://law.justia.com/codes/arkansas/title-18/subtitle-5/chapter-60/subchapter-8/section-18-60-812/","M,2025: affidavit, order and bond conditions. Historical/arrest and limitation language not operationalized or made a separate dossier."],["S_AR-P16-S025","OLRC §§3952,3918 and reproduced3911. https://uscode.house.gov/us/usc/119-124/t50/s3952/ ; https://uscode.house.gov/us/usc/119-124/t50/s3918/ ; https://www.law.cornell.edu/uscode/text/50/3911","P/R: material SCRA purchase/installment repossession and waiver bodies; relevant definitions. Official pages through PL119-124, Oct15,2026. Linked military-order/Title10/32 definitions not fully investigated."],["S_AR-P16-S026","OLRC, 11USC362. https://uscode.house.gov/us/usc/119-124/t11/s362/","P: (a)(3)–(6), material (c), (d), (h), related limits read. Same displayed currency. Full bankruptcy, turnover, redemption and discharge law deferred."],["S_AR-P16-S027","Arkansas Supreme Court/Court of Appeals Rule5-2. https://www.courtrules.net/arkansas/arkansas-supreme-court/rule-5-2","R: publication/citation text, including pre-July1,2009 unpublished restriction. Complete official adoption chain held."]]},{"headers":["Source ID","Court/title/full literal HTTPS URL","Actual material read and pinpoint"],"index":15,"links":[{"href":"https://law.justia.com/cases/arkansas/supreme-court/2010/45302.html?utm_source=chatgpt.com","text":"https://law.justia.com/cases/arkansas/supreme-court/2010/45302.html"},{"href":"https://cases.justia.com/arkansas/supreme-court/45302.pdf?ts=1462299958&utm_source=chatgpt.com","text":"https://cases.justia.com/arkansas/supreme-court/45302.pdf?ts=1462299958"},{"href":"https://law.justia.com/cases/arkansas/supreme-court/1993/92-982-0.html?utm_source=chatgpt.com","text":"https://law.justia.com/cases/arkansas/supreme-court/1993/92-982-0.html"},{"href":"https://law.justia.com/cases/arkansas/supreme-court/1961/5-2278-0.html?utm_source=chatgpt.com","text":"https://law.justia.com/cases/arkansas/supreme-court/1961/5-2278-0.html"},{"href":"https://law.justia.com/cases/arkansas/supreme-court/1979/79-251-0.html?utm_source=chatgpt.com","text":"https://law.justia.com/cases/arkansas/supreme-court/1979/79-251-0.html"},{"href":"https://law.justia.com/cases/arkansas/supreme-court/1986/85-307-0.html?utm_source=chatgpt.com","text":"https://law.justia.com/cases/arkansas/supreme-court/1986/85-307-0.html"},{"href":"https://law.justia.com/cases/federal/appellate-courts/F2/674/717/104557/?utm_source=chatgpt.com","text":"https://law.justia.com/cases/federal/appellate-courts/F2/674/717/104557/"},{"href":"https://law.justia.com/cases/arkansas/supreme-court/1987/86-119-0.html?utm_source=chatgpt.com","text":"https://law.justia.com/cases/arkansas/supreme-court/1987/86-119-0.html"},{"href":"https://law.justia.com/cases/arkansas/court-of-appeals/2005/ca04-984.html?utm_source=chatgpt.com","text":"https://law.justia.com/cases/arkansas/court-of-appeals/2005/ca04-984.html"},{"href":"https://law.justia.com/cases/arkansas/supreme-court/1984/84-46-0.html?utm_source=chatgpt.com","text":"https://law.justia.com/cases/arkansas/supreme-court/1984/84-46-0.html"},{"href":"https://law.justia.com/cases/arkansas/court-of-appeals/1993/ca-92-1010-2.html?utm_source=chatgpt.com","text":"https://law.justia.com/cases/arkansas/court-of-appeals/1993/ca-92-1010-2.html"},{"href":"https://law.justia.com/cases/arkansas/court-of-appeals/1997/ca97-76.html?utm_source=chatgpt.com","text":"https://law.justia.com/cases/arkansas/court-of-appeals/1997/ca97-76.html"},{"href":"https://caselaw.findlaw.com/ar-court-of-appeals/1012789.html?utm_source=chatgpt.com","text":"https://caselaw.findlaw.com/ar-court-of-appeals/1012789.html"},{"href":"https://ecf.ca8.uscourts.gov/opndir/25/09/242120P.pdf?utm_source=chatgpt.com","text":"https://ecf.ca8.uscourts.gov/opndir/25/09/242120P.pdf"}],"row_links":[[],[{"href":"https://law.justia.com/cases/arkansas/supreme-court/2010/45302.html?utm_source=chatgpt.com","text":"https://law.justia.com/cases/arkansas/supreme-court/2010/45302.html"},{"href":"https://cases.justia.com/arkansas/supreme-court/45302.pdf?ts=1462299958&utm_source=chatgpt.com","text":"https://cases.justia.com/arkansas/supreme-court/45302.pdf?ts=1462299958"}],[{"href":"https://law.justia.com/cases/arkansas/supreme-court/1993/92-982-0.html?utm_source=chatgpt.com","text":"https://law.justia.com/cases/arkansas/supreme-court/1993/92-982-0.html"}],[{"href":"https://law.justia.com/cases/arkansas/supreme-court/1961/5-2278-0.html?utm_source=chatgpt.com","text":"https://law.justia.com/cases/arkansas/supreme-court/1961/5-2278-0.html"}],[{"href":"https://law.justia.com/cases/arkansas/supreme-court/1979/79-251-0.html?utm_source=chatgpt.com","text":"https://law.justia.com/cases/arkansas/supreme-court/1979/79-251-0.html"}],[{"href":"https://law.justia.com/cases/arkansas/supreme-court/1986/85-307-0.html?utm_source=chatgpt.com","text":"https://law.justia.com/cases/arkansas/supreme-court/1986/85-307-0.html"}],[{"href":"https://law.justia.com/cases/federal/appellate-courts/F2/674/717/104557/?utm_source=chatgpt.com","text":"https://law.justia.com/cases/federal/appellate-courts/F2/674/717/104557/"}],[{"href":"https://law.justia.com/cases/arkansas/supreme-court/1987/86-119-0.html?utm_source=chatgpt.com","text":"https://law.justia.com/cases/arkansas/supreme-court/1987/86-119-0.html"}],[{"href":"https://law.justia.com/cases/arkansas/court-of-appeals/2005/ca04-984.html?utm_source=chatgpt.com","text":"https://law.justia.com/cases/arkansas/court-of-appeals/2005/ca04-984.html"}],[{"href":"https://law.justia.com/cases/arkansas/supreme-court/1984/84-46-0.html?utm_source=chatgpt.com","text":"https://law.justia.com/cases/arkansas/supreme-court/1984/84-46-0.html"}],[{"href":"https://law.justia.com/cases/arkansas/court-of-appeals/1993/ca-92-1010-2.html?utm_source=chatgpt.com","text":"https://law.justia.com/cases/arkansas/court-of-appeals/1993/ca-92-1010-2.html"}],[{"href":"https://law.justia.com/cases/arkansas/court-of-appeals/1997/ca97-76.html?utm_source=chatgpt.com","text":"https://law.justia.com/cases/arkansas/court-of-appeals/1997/ca97-76.html"},{"href":"https://caselaw.findlaw.com/ar-court-of-appeals/1012789.html?utm_source=chatgpt.com","text":"https://caselaw.findlaw.com/ar-court-of-appeals/1012789.html"}],[{"href":"https://ecf.ca8.uscourts.gov/opndir/25/09/242120P.pdf?utm_source=chatgpt.com","text":"https://ecf.ca8.uscourts.gov/opndir/25/09/242120P.pdf"}]],"rows":[["Source ID","Court/title/full literal HTTPS URL","Actual material read and pinpoint"],["S_AR-P16-S028","Minor, 2010 Ark.246. https://law.justia.com/cases/arkansas/supreme-court/2010/45302.html ; PDF https://cases.justia.com/arkansas/supreme-court/45302.pdf?ts=1462299958","R: material majority, especially printed9–13/PDF8–12; images printed1/PDF0 and12/PDF11. Actual opinion date May20,2010. Concurrence identified; quoted other-state cases not freshly read."],["S_AR-P16-S029","Morgan. https://law.justia.com/cases/arkansas/supreme-court/1993/92-982-0.html","R: majority and rehearing’s material course-of-dealing/preservation/fee discussion, 850S.W.2d299–301. March1,1993; rehearing Apr5."],["S_AR-P16-S030","Brewer. https://law.justia.com/cases/arkansas/supreme-court/1961/5-2278-0.html","R: actual majority 341S.W.2d766–768, force/confrontation and affirmance. January9,1961."],["S_AR-P16-S031","Herring. https://law.justia.com/cases/arkansas/supreme-court/1979/79-251-0.html","R: material majority 589S.W.2d586–588, vehicle/belongings, instructions/proof and remand. November26,1979."],["S_AR-P16-S032","Baldwin. https://law.justia.com/cases/arkansas/supreme-court/1986/85-307-0.html","R: majority 709S.W.2d91–92, open-driveway and personal-property distinctions. May19,1986."],["S_AR-P16-S033","Eighth Circuit, Williams. https://law.justia.com/cases/federal/appellate-courts/F2/674/717/104557/","R: majority 674F.2d718–721, actual taking and judgment disposition. March31,1982; Heaney dissent identified, not merged with majority."],["S_AR-P16-S034","Hallett. https://law.justia.com/cases/arkansas/supreme-court/1987/86-119-0.html","R: majority 722S.W.2d556–557, no-notice deficiency consequence. January20,1987; separate dissent identified."],["S_AR-P16-S035","Greenlee. https://law.justia.com/cases/arkansas/court-of-appeals/2005/ca04-984.html","R: complete material majority from judge’s opening through disposition and footnote2. September28,2005. Unnumbered HTML; no PDF index invented. Notice-address argument not decided."],["S_AR-P16-S036","Thrower. https://law.justia.com/cases/arkansas/supreme-court/1984/84-46-0.html","R: majority 670S.W.2d431–433, trade-in valuation and remand; material dissent distinguished. June4,1984."],["S_AR-P16-S037","Beard. https://law.justia.com/cases/arkansas/court-of-appeals/1993/ca-92-1010-2.html","R: material majority 850S.W.2d28–30, private auction, notice, condition/promptness and affirmance. March31,1993. Broader records analysis not reused from prior pass."],["S_AR-P16-S038","Prince. https://law.justia.com/cases/arkansas/court-of-appeals/1997/ca97-76.html ; comparison body https://caselaw.findlaw.com/ar-court-of-appeals/1012789.html","R: actual majority beginning with Judge Roaf’s opinion through “Affirmed,” especially sale evidence and final proof discussion. October1,1997. No publisher headnote treated as holding; no PDF index asserted."],["S_AR-P16-S039","Eighth Circuit, Thompson v. Cockrell, No.24-2120. https://ecf.ca8.uscourts.gov/opndir/25/09/242120P.pdf","P: material majority §§II.1–3 and disposition, printed5–10/PDF4–9, conclusion12/PDF11. Images printed9–10/PDF8–9 inspected. Filed September17,2025. Sanctions issue not adopted as repossession law."]]},{"headers":["Exact route","Actual result and resulting limit"],"index":16,"links":[{"href":"https://opinions.arcourts.gov/ark/en/nav.do","text":"https://opinions.arcourts.gov/ark/en/nav.do"},{"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.dfa.arkansas.gov/office/motor-vehicle/motor-vehicle-forms/?utm_source=chatgpt.com","text":"https://www.dfa.arkansas.gov/office/motor-vehicle/motor-vehicle-forms/"},{"href":"https://www.dfa.arkansas.gov/wp-content/uploads/AffidavitofRepossessionofMV.pdf?utm_source=chatgpt.com","text":"https://www.dfa.arkansas.gov/wp-content/uploads/AffidavitofRepossessionofMV.pdf"},{"href":"https://www.dfa.arkansas.gov/images/uploads/motorVehicleOffice/AffidavitofRepossessionofMV.pdf","text":"https://www.dfa.arkansas.gov/images/uploads/motorVehicleOffice/AffidavitofRepossessionofMV.pdf"},{"href":"https://webftp.blr.arkansas.gov/Home/FTPDocument?path=CAR%2FParts%2F27CARpt170.pdf&utm_source=chatgpt.com","text":"https://webftp.blr.arkansas.gov/Home/FTPDocument?path=CAR%2FParts%2F27CARpt170.pdf"},{"href":"https://labor.arkansas.gov/licensing/towing-and-recovery-board/licensing-permitting/?utm_source=chatgpt.com","text":"https://labor.arkansas.gov/licensing/towing-and-recovery-board/licensing-permitting/"},{"href":"https://law.justia.com/codes/arkansas/title-27/subtitle-2/chapter-14/subchapter-9/section-27-14-905/","text":"https://law.justia.com/codes/arkansas/title-27/subtitle-2/chapter-14/subchapter-9/section-27-14-905/"},{"href":"https://codes.findlaw.com/ar/title-27-transportation/ar-code-sect-27-14-905/","text":"https://codes.findlaw.com/ar/title-27-transportation/ar-code-sect-27-14-905/"},{"href":"https://uscode.house.gov/us/usc/119-124/t50/s3911/","text":"https://uscode.house.gov/us/usc/119-124/t50/s3911/"},{"href":"https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title50-section3911&num=0&edition=prelim","text":"https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title50-section3911&num=0&edition=prelim"},{"href":"https://www.arkleg.state.ar.us/Home/FTPDocument?path=%2FAssembly%2FMeeting+Attachments%2F040%2F27901%2FB.6.a+DFA+Motor+Vehicle+Odotomer+Disclosure+Req+and+Act+926.pdf&utm_source=chatgpt.com","text":"https://www.arkleg.state.ar.us/Home/FTPDocument?path=%2FAssembly%2FMeeting+Attachments%2F040%2F27901%2FB.6.a+DFA+Motor+Vehicle+Odotomer+Disclosure+Req+and+Act+926.pdf"},{"href":"https://www.plainsite.org/cite/4-ark-app-213/","text":"https://www.plainsite.org/cite/4-ark-app-213/"}],"row_links":[[],[{"href":"https://opinions.arcourts.gov/ark/en/nav.do","text":"https://opinions.arcourts.gov/ark/en/nav.do"}],[{"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.dfa.arkansas.gov/office/motor-vehicle/motor-vehicle-forms/?utm_source=chatgpt.com","text":"https://www.dfa.arkansas.gov/office/motor-vehicle/motor-vehicle-forms/"}],[{"href":"https://www.dfa.arkansas.gov/wp-content/uploads/AffidavitofRepossessionofMV.pdf?utm_source=chatgpt.com","text":"https://www.dfa.arkansas.gov/wp-content/uploads/AffidavitofRepossessionofMV.pdf"}],[{"href":"https://www.dfa.arkansas.gov/images/uploads/motorVehicleOffice/AffidavitofRepossessionofMV.pdf","text":"https://www.dfa.arkansas.gov/images/uploads/motorVehicleOffice/AffidavitofRepossessionofMV.pdf"}],[{"href":"https://webftp.blr.arkansas.gov/Home/FTPDocument?path=CAR%2FParts%2F27CARpt170.pdf&utm_source=chatgpt.com","text":"https://webftp.blr.arkansas.gov/Home/FTPDocument?path=CAR%2FParts%2F27CARpt170.pdf"}],[{"href":"https://labor.arkansas.gov/licensing/towing-and-recovery-board/licensing-permitting/?utm_source=chatgpt.com","text":"https://labor.arkansas.gov/licensing/towing-and-recovery-board/licensing-permitting/"}],[{"href":"https://law.justia.com/codes/arkansas/title-27/subtitle-2/chapter-14/subchapter-9/section-27-14-905/","text":"https://law.justia.com/codes/arkansas/title-27/subtitle-2/chapter-14/subchapter-9/section-27-14-905/"},{"href":"https://codes.findlaw.com/ar/title-27-transportation/ar-code-sect-27-14-905/","text":"https://codes.findlaw.com/ar/title-27-transportation/ar-code-sect-27-14-905/"}],[{"href":"https://uscode.house.gov/us/usc/119-124/t50/s3911/","text":"https://uscode.house.gov/us/usc/119-124/t50/s3911/"},{"href":"https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title50-section3911&num=0&edition=prelim","text":"https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title50-section3911&num=0&edition=prelim"}],[{"href":"https://www.arkleg.state.ar.us/Home/FTPDocument?path=%2FAssembly%2FMeeting+Attachments%2F040%2F27901%2FB.6.a+DFA+Motor+Vehicle+Odotomer+Disclosure+Req+and+Act+926.pdf&utm_source=chatgpt.com","text":"https://www.arkleg.state.ar.us/Home/FTPDocument?path=%2FAssembly%2FMeeting+Attachments%2F040%2F27901%2FB.6.a+DFA+Motor+Vehicle+Odotomer+Disclosure+Req+and+Act+926.pdf"}],[{"href":"https://www.plainsite.org/cite/4-ark-app-213/","text":"https://www.plainsite.org/cite/4-ark-app-213/"}]],"rows":[["Exact route","Actual result and resulting limit"],["https://opinions.arcourts.gov/ark/en/nav.do","Official opinion navigation returned403."],["https://opinions.arcourts.gov/ark/supremecourt/en/nav_date.do","Different official route did not provide the bodies; disclosed republications used."],["https://www.dfa.arkansas.gov/office/motor-vehicle/motor-vehicle-forms/","403; no complete current form inventory."],["https://www.dfa.arkansas.gov/wp-content/uploads/AffidavitofRepossessionofMV.pdf","403 despite search discovery; no form fields or pixels claimed read."],["https://www.dfa.arkansas.gov/images/uploads/motorVehicleOffice/AffidavitofRepossessionofMV.pdf","Alternate official form route failed."],["https://webftp.blr.arkansas.gov/Home/FTPDocument?path=CAR%2FParts%2F27CARpt170.pdf","Timed out; actual official HTML rule bodies were successful alternatives."],["https://labor.arkansas.gov/licensing/towing-and-recovery-board/licensing-permitting/","403; posted CAR text used, not unseen instructions."],["https://law.justia.com/codes/arkansas/title-27/subtitle-2/chapter-14/subchapter-9/section-27-14-905/ ; https://codes.findlaw.com/ar/title-27-transportation/ar-code-sect-27-14-905/","Needed involuntary-transfer body not obtained through these routes; exact title-form workflow held."],["https://uscode.house.gov/us/usc/119-124/t50/s3911/ ; https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title50-section3911&num=0&edition=prelim","Official definition routes failed; Cornell reproduction disclosed."],["https://www.arkleg.state.ar.us/Home/FTPDocument?path=%2FAssembly%2FMeeting+Attachments%2F040%2F27901%2FB.6.a+DFA+Motor+Vehicle+Odotomer+Disclosure+Req+and+Act+926.pdf","Discovery-only proposed-rule result; not opened or adopted as proof of final certification or implementation."],["https://www.plainsite.org/cite/4-ark-app-213/","Responsive historical acceptance lead did not yield a body; no quoted holding adopted as freshly read."]]},{"headers":["Claim ID","Actor/object/trigger","Required step or consequence","Authority/type/limit"],"index":17,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Claim ID","Actor/object/trigger","Required step or consequence","Authority/type/limit"],["S_AR-P16-C001","Contractual vehicle security transaction","Apply Article9 scope and preserve applicable consumer/federal law.","S001§201; S004§109; T."],["C002","Consumer category asserted","Establish goods use and obligation purpose separately.","S002§9-102(a)(22)–(26); S004; T."],["C003","Person owns collateral interest","Debtor need not be personally obligated.","§9-102(a)(28); S002/S004; T."],["C004","Payment/secondary liability asserted","Identify obligor and secondary-obligor status.","§9-102(a)(59),(73); S002/S004; T."],["C005","Lender/servicer/agent acts","Establish actual secured-party and representative rights.","§9-102(a)(74); S002; T/G."],["C006","Lease label used","Apply §1-203’s actual security/lease tests.","S003§203; T."],["C007","Seller retains title","Title-retention language does not bypass security-interest duties.","S002§1; S001§202; T/I."],["C008","Purchase-money status claimed","Trace purchase-money obligation and collateral.","S005§103(a)–(b); T."],["C009","Consumer refinance/mixed debt","Nonconsumer §103 rules not automatically imported.","S005(e)–(h); T."],["C010","Cross-collateral/future advance","Actual clause and consumer after-acquired limitation matter.","S001§204; S002§51; T/G."],["C011","Security interest enforced","Value, rights and applicable agreement/possession predicates.","S006§203; S002§50; T."],["C012","Ownership label relied on","Title location does not itself determine all Article9 rights.","S001§202; T."],["C013","Perfection asserted","Apply certificate-title route and inventory exceptions.","S007§311; S016; T."],["C014","Debt transferred","Assignment/notice and actual authority separate from price or title label.","S016§908; T/I."],["C015","Act926 title change invoked","§§9–10 depend on specified certification not verified here.","S017§12; T/G."],["C016","Secured creditor sells used car","Dealer exclusion has statutory balance/cost conditions.","S019§602(10)(B)(iii),604,606; T."],["C017","Repo tow business/vehicle operates","Appropriate license/permit within scope; consent-only insufficient.","S020§§101–102,106(a)–(b); T."],["C018","Credential/rate sheet cited","No actual status or fee/transaction permission follows.","S020§106(c)(3)(D); T/G."]]},{"headers":["Claim ID","Actor/object/trigger","Required step or consequence","Authority/type/limit"],"index":18,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Claim ID","Actor/object/trigger","Required step or consequence","Authority/type/limit"],["C019","Creditor alleges default","Establish actual contract event and payment facts.","S008§601; S009§609; T/G."],["C020","Universal cure/grace claimed","No universal period established from bodies read; other law/contract held.","S009; G."],["C021","Insecurity acceleration used","Apply §1-309 good-faith impairment/burden rule.","S003§309; T."],["C022","Late payments repeatedly accepted","Morgan’s course-of-dealing record matters.","S029; H."],["C023","Both nonwaiver clauses present","Minor answers the specified future-compliance question.","S028pp.9–13; H."],["C024","Minor treated as full merits ruling","Certified question only; remaining case remanded.","S028caption/disposition; H."],["C025","Self-help chosen","Actual default and no breach of peace required.","S009§609(a)–(b); T."],["C026","Assembly demanded","Agreement and reasonable-convenience conditions apply.","S009§609(c); T."],["C027","Contract waives peace duty","Nonwaiver/agreed-standard restrictions apply.","S008§§602–603; T."],["C028","Confrontational taking","Brewer upheld conversion on actual force-risk facts.","S030; H, pre-UCC context."],["C029","Open-driveway taking","Baldwin’s result depends on no barricade/confrontation facts.","S032; H."],["C030","Vehicle and belongings taken","Herring separates collateral right from noncollateral retention.","S031; H."],["C031","Night taking challenged","Williams majority is record-specific; dissent preserved.","S033; H."],["C032","Police are present","Thompson’s constitutional/qualified-immunity analysis not Article9 permission.","S039pp.5–10; H/G."],["C033","Personal items demanded","Identify noncollateral ownership, custody, demand and return facts.","S031–S032; H/I."],["C034","Towing content rule invoked","Statutory possessory-lien regime not universal lender-repo retrieval fee.","S021§1208; S022§4; T/G."],["C035","Secured party holds collateral","Reasonable care and actual expense/use conditions apply.","S001§207; S002§52; T."],["C036","Judicial possession sought","Petition/notice/possession-proof route required.","S023§§804–806; T."],["C037","Emergency/alternative route used","Actual statutory predicates and court action required.","S023§§807–808; T."],["C038","Affidavit/order/bond required","Apply actual description, entitlement and bond conditions.","S024§§810–812; T."],["C039","Replevin deadline generalized","Current-rule integration/local form not completed.","S023–S024,S040; G."],["C040","Servicemember protection asserted","Establish qualifying pre-service contract/payment and service conditions.","S025§3952; T/G."],["C041","SCRA waiver asserted","Separate statutory timing/writing/format predicates required.","S025§3918; T."],["C042","Bankruptcy flag present","Apply actual stay/exception/duration/relief, not blanket permission.","S026§362(a),(c),(d),(h); T/G."]]},{"headers":["Claim ID","Actor/object/trigger","Required step or consequence","Authority/type/limit"],"index":19,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Claim ID","Actor/object/trigger","Required step or consequence","Authority/type/limit"],["C043","Historical Article9 case used","Revised act effective July1,2001 with saving provisions.","S001§§701–702; T."],["C044","Current2026 provision used","Act997 effectiveSep1,2026, not approval date.","S002§100; T."],["C045","Older transaction/proceeding","Apply special§4-12A-301 transition; prior proceedings distinguished.","S002pp.100–101; T."],["C046","Notice/consent record prepared","Current signed terminology; authenticity/delivery facts still required.","S002§§88–97; T/G."],["C047","Disposition planned","Notify debtor and secondary obligor unless valid exception/waiver.","S010§611(b)–(c); S002§88; T."],["C048","Other lienholder notice","§611(c)(3) applies to nonconsumer goods; acceptance differs.","S010; S002§95; T."],["C049","Notice exception asserted","Prove perishable/speedy-decline/recognized-market predicate.","S010§611(d); T."],["C050","Consumer notice interval","Reasonableness factual.","S010§612(a); T."],["C051","Ten-day safe harbor invoked","§612(b) excludes consumer transactions.","S010; T."],["C052","Notice waived","Signed post-default agreement required.","S002§96/§624(a); T."],["C053","Consumer notice contents","Apply§614 plus§613(a)(1) and actual public/private information.","S002§§89–90; T."],["C054","Statutory model used","Sufficient-information form only when properly completed; not all-law approval.","S002§614(a)(3),(b); T/G."],["C055","Minor-error safe harbor claimed","Former§614 paragraphs deleted; do not import§616(d).","S002§90; S012(d); T."],["C056","Notice sent/received","Proper sending and recipient facts differ from receipt; no deemed delivery conclusion.","S002§1,§88; T/G."],["C057","Actual sale differs from notice","Actual type/date/place must be evaluated, not form title alone.","S002§614; S037–S038; T/H."],["C058","Collateral disposed","Every aspect must be commercially reasonable.","S009§610(b); T."],["C059","Better price alleged","Price alone not dispositive; complete sale circumstances matter.","S015§627; S038; T/H."],["C060","Creditor proves sale","Greenlee/Prince distinguish thin proof from detailed record.","S035,S038; H."],["C061","Dealer auction called public","Beard’s restricted auction was private on its facts.","S037at28–30; H."],["C062","Secured party buys","Public/private purchase restrictions apply.","S009§610(c); T."],["C063","Transferee takes collateral","§617 rights/good-faith qualifications; senior interests not automatically discharged.","S013§617; T."],["C064","Title transferred on record","§619(c): not itself disposition or satisfaction; duties continue.","S013; S002§93; T."]]},{"headers":["Claim ID","Actor/object/trigger","Required step or consequence","Authority/type/limit"],"index":20,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Claim ID","Actor/object/trigger","Required step or consequence","Authority/type/limit"],["C065","Eligible party redeems","Tender all secured obligations and qualifying expenses/fees.","S014§623(a)–(b); T."],["C066","Redemption timing","Before collection, disposition/contract or acceptance cutoff.","S014§623(c); T."],["C067","Redemption waiver proposed","§624(c) does not permit it in consumer-goods transaction.","S002§96; T."],["C068","Reinstatement requested","Actual contract/other-law right and amount needed.","S028; §623 distinction; G/I."],["C069","Creditor keeps collateral","§620 acceptance conditions, including creditor consent, required.","S002§94; T."],["C070","Debtor full-satisfaction consent","Postdefault signed agreement or qualifying proposal/no timely objection.","§620(c)(2); T."],["C071","Other interests object","Apply§621 recipients and§620(d) receipt windows.","S002§§94–95; T."],["C072","Partial acceptance in consumer transaction","Prohibited by§620(g).","S002§94; T."],["C073","Sixty-percent threshold","Cash price forPMSI; principal fornonPMSI consumer goods.","§620(e); T."],["C074","Compulsory disposition required","Ninety days after possession or qualifying longer agreement.","§620(f); T."],["C075","Mandatory sale waived","Signed postdefault agreement under§624(b).","S002§96; T."],["C076","Acceptance validly occurs","Discharge/transfer/subordinate-interest effects under§622.","S014§622; T."],["C077","Vehicle surrendered or possessed","Not automatically payment or full satisfaction.","§620(b),§622; T/I."],["C078","Cash sale proceeds received","Apply§615 ordering to actual proceeds.","S011(a); S002§91; T."],["C079","Expenses/attorney fees deducted","Reasonableness, agreement and legality predicates.","S011(a)(1); T."],["C080","Junior claimant paid","Timely signed demand/proof conditions.","S011(a)(3),(b); S002§91; T."],["C081","Senior claim/proceeds considered","Apply§615(g) and§617, not automatic free-clear payoff.","S011(g),S013; T."],["C082","Noncash/trade-in proceeds","Commercially reasonable value/accounting required.","S011(c); S036; T/H."],["C083","Related-party low-price transfer","§615(f)’s comparison amount and predicates matter.","S011(f); T."],["C084","Surplus/deficiency computed","Debtor surplus and obligor deficiency subject to governing conditions/defenses.","S011(d); T."],["C085","Receivables-sale exception invoked","Distinguish transferor relationship from consumer collateral enforcement.","S008(g),S011(e); I/G."],["C086","Rebate/GAP/refund asserted","Establish legal entitlement, amount, prior credit and actual receipt separately.","S012(c)(1),(5); T/G."],["C087","Consumer post-sale demand/accounting","Send required explanation at stated event.","S002§92/§616(b); T."],["C088","Proper explanation request received","Fourteen-day response or qualifying deficiency-waiver record.","§616(b)(1)(B),(2); T."],["C089","Explanation calculated","Required sequence/reference date/expenses/credits; no duplicate entries.","§616(c); T."],["C090","Explanation copy charged","Exact six-month/free-response and additional≤$25 conditions.","S012(e); T."],["C091","Vehicle lien fully paid","§909’s final-payment and ten-business-day release conditions.","S018§909(a)–(d),§4-4-215; T, actual calendar held."],["C092","Title release/status inferred","Actual final payment/form/conditional title-law implementation required.","S017–S018,S040; G."],["C093","Noncompliant enforcement shown","Court may restrain/order on appropriate terms.","S015§625(a); T."],["C094","Actual loss claimed","Causation and claimant status required.","§625(b),(c)(1); T."],["C095","Consumer-goods minimum sought","Correct alternative base/formula and qualifying claimant/failure.","§625(c)(2); T."],["C096","Minimum repeated or explanation-only","§628(d)–(e) limitations apply.","S015; S002§97; T."],["C097","$500 explanation remedy sought","Apply actual pattern/practice or request-waiver subsection.","§625(e)(5)–(6); T."],["C098","Deficiency reduction and damages combined","Apply§625(d); no automatic stacking/offset.","S015; T/G."],["C099","Nonconsumer deficiency formula proposed","§626(a) does not govern consumer transactions by default.","S015§626; T."],["C100","Consumer deficiency consequence","Court determines proper rule; established approaches permitted.","§626(b); T."],["C101","No-notice bar asserted","Hallett’s actual former-law holding remains distinct from current complete rule.","S034; H/G."],["C102","Sale proof inadequate","Greenlee barred deficiency on its record; other notice issue not reached.","S035; H."],["C103","Knowledge/business-purpose defense","§628’s knowledge/reasonable-reliance predicates must be proved.","S015; S002§97; T."],["C104","Fees/tort recovery requested","Separate legal basis needed; Morgan reversed contract-fee treatment of tort.","S029; H/G."],["C105","Current law certified","Selected acts and mirrors leave complete chains open.","Source register; G."],["C106","Case treatment certified","Published bodies read, no complete citator; historical versions preserved.","S027–S039; G."],["C107","Actual operator/vehicle status","No private fact, credential or title check performed.","Scope; G."],["C108","Sector/territory generalized","Special programs, loans, local/tribal/foreign rules held.","Scope/coverage; G."],["C109","M01 used","Conditional proceeds/expense/credit arithmetic only.","M01; C078–C090; C."],["C110","M02 used","Date intervals do not prove consumer reasonableness.","M02; C047–C057; C."],["C111","M03 used","Redemption, reinstatement and acceptance branches not combined.","M03; C065–C077; C."],["C112","M04 used","Potential statutory measure is not automatic award, offset or deficiency result.","M04; C093–C104; C."]]},{"headers":["Row","Requested issue","Resolved portion / claims","Exact missing evidence or next action"],"index":21,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Row","Requested issue","Resolved portion / claims","Exact missing evidence or next action"],["K01","Article9 scope","Material scope and consumer-law preservation; C001","Current complete official chain and actual transaction."],["K02","Consumer classifications","Separate purpose tests; C002","Actual vehicle use and obligation purpose."],["K03","Debtor/obligor/secondary","Defined roles; C003–C005","Actual ownership, liability and authority."],["K04","Lease/title retention","Substance tests; C006–C007","Actual agreement, economics and termination rights."],["K05","PMSI/refinance/cross-collateral","Consumer limitations identified; C008–C010","Tracing, contract and responsive consumer construction."],["K06","Attachment","Material conditions; C011–C012","Actual signed agreement/value/rights."],["K07","Perfection/title/priority","Necessary title provisions read; C013–C015","Actual title, competing interests and conditional implementation."],["K08","Relevant licensing","Tow/dealer gates; C016–C018","Actual credential/exemption; non-towing/new-dealer/finance regimes."],["K09","Default/cure","Contract and bounded no-universal-period finding","Actual default, cure provision and special law."],["K10","Course of dealing","Morgan/Minor distinguished","Actual clauses, conduct, notices and preservation."],["K11","Peaceful possession","Statute and fact-specific cases","Actual conduct, objection, entry and consent."],["K12","Police/locked premises","Federal boundary and state-law hold","Actual aid, coercion, premises and applicable law."],["K13","Belongings/care","Separate noncollateral and care duties","Inventory, ownership, custody, demand and lawful return."],["K14","Judicial recovery","Material statutory routes read","Current rules, local forms, notice and order."],["K15","SCRA/bankruptcy","Necessary federal barriers read","Actual service/petition/order and full linked definitions."],["K16","Currentness/transition","2001/2026 clauses read","Complete later enactments and actual proceeding date."],["K17","Notice recipients","Debtor/secondary and nonconsumer distinction","Actual parties and other interest holders."],["K18","Timing/exceptions","Consumer reasonableness/nonconsumer safe harbor","Actual interval, circumstances and exception facts."],["K19","Notice contents/form","Current consumer form/instructions read","Actual completed notice and facts."],["K20","Sending/receipt/waiver","Distinctions preserved","Actual method, destination, signed record and postdefault waiver."],["K21","Public/private sale","Beard and statutory distinctions","Actual market access, time/place and disposition."],["K22","Commercial reasonableness","Current text and contrasting cases","Condition, exposure, timing, buyers and proof."],["K23","Purchaser/title effects","§§617/619 read","Actual good faith, priorities and transfer process."],["K24","Redemption/reinstatement","Amount/cutoffs separated","Actual tender, secured sum and reinstatement right."],["K25","Acceptance/objections","Current conditions and recipients","Actual consent, proposal, objection and possession."],["K26","Mandatory sale","60% bases/90days/waiver read","Actual payments, original base and postdefault agreements."],["K27","Proceeds/expenses/priorities","§615 ordering","Actual gross receipts, costs and competing claims."],["K28","Refunds/GAP/credits","Known-entitlement distinction","Contract/statute and actual refund or credit evidence."],["K29","Explanation","Content/timing/copy rules","Actual request, sending, calculations and waiver."],["K30","Consumer deficiency","§626 and historical cases compared","Current controlling application to exact noncompliance."],["K31","Remedies","Bases, limits and no stacking","Actual causation, status, defense and judicial award."],["K32","Forms/title release","Statutory forms read; DFA form blocked","Current accepted title instrument, final payment and local procedure."]]},{"headers":["Row","Actor/event","Supported inquiry","Remaining evidence"],"index":22,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Row","Actor/event","Supported inquiry","Remaining evidence"],["W01","Transaction originates","Classify purpose, security and actor.","Actual contract and status."],["W02","Rights transfer","Establish assigned security and authority.","Actual transfer chain and scope."],["W03","Default alleged","Verify event, credits and contract conditions.","Actual payment and notice history."],["W04","Recovery selected","Distinguish judicial and peaceful self-help.","Actual authority and applicable process."],["W05","Vehicle taken","Preserve care and separate belongings.","Actual conduct/inventory/custody."],["W06","Post-possession option chosen","Redemption, reinstatement, sale or acceptance.","Actual rights, amount and conditions."],["W07","Disposition notice sent","Correct recipients, content, timing and method.","Actual signed record and destination."],["W08","Sale conducted","Commercial reasonableness and buyer restrictions.","Actual sale file and proceeds."],["W09","Funds applied","Proper expenses, secured debt and priority.","Actual ledger and legal authorization."],["W10","Explanation requested/demand made","§616 event and response.","Actual receipt, content and delivery."],["W11","Deficiency/remedy disputed","Consumer rule, proof, causation and defenses.","Actual evidence and judicial construction."],["W12","Title/obligation resolved","Separate record transfer, release and cash satisfaction.","Actual final payment, instrument and administrative steps."]]},{"headers":["Row","Source issue","Status","Exact next authority"],"index":23,"links":[],"row_links":[[],[],[],[],[],[],[],[],[]],"rows":[["Row","Source issue","Status","Exact next authority"],["Q01","Revised Article9","Official2001 act and mirrors","Complete current integrated official text."],["Q02","2026 amendments","Material Act997 text/redlines/transition read","Any later amendment and actual transition application."],["Q03","Title system","Act926 conditional clause read","Official certification and operative implementing rules."],["Q04","Towing rule","Current official CAR body and codification note","Signed adoption/filing and full later-amendment chain."],["Q05","Dealer/finance regulation","Narrow used-dealer bodies read","Applicable original/material amendments and actor-specific finance law."],["Q06","Judicial recovery","Current mirrors read","Promulgated current-rule integration and generic local packet."],["Q07","Federal boundaries","Official3952/3918/362; reproduced3911","Full linked definitions and case-specific stay/order law."],["Q08","Judicial treatment","Twelve published material bodies","Complete citator and post-revision consumer deficiency/acceptance construction."]]},{"headers":["Row","Completed work","Remaining legal predicates"],"index":24,"links":[],"row_links":[[],[],[],[],[]],"rows":[["Row","Completed work","Remaining legal predicates"],["M01","Cash proceeds, expenses, credits and balance reconcile.","Actual lawful charges, priorities and compliance."],["M02","Notice/request dates separated without false ten-day safe harbor.","Actual reasonable timing, method and content."],["M03","Redemption, reinstatement and noncash acceptance separated.","Actual agreements, tender, thresholds and consent."],["M04","Deficiency and potential statutory measure kept distinct.","Actual violation, consumer rule, defense and awarded remedy."]]},{"headers":["Row","Area","Remaining investigation"],"index":25,"links":[],"row_links":[[],[],[],[],[],[],[]],"rows":[["Row","Area","Remaining investigation"],["T01","Arkansas counties/courts","Actual adopted replevin and filing practices; no county inventory claimed."],["T02","Vehicle location and title state","Governing title/perfection/priority and interstate movement rules."],["T03","Tribal nexus","Sovereign law, jurisdiction, immunity and actual actor."],["T04","Foreign-country transaction","Applicable law and enforcement; no Arkansas export assumption."],["T05","Actual institution/operator","No charter, license, permit, insurance or status query."],["T06","Actual vehicle/account","No VIN, title, agreement, military status, payment, sale or court record examined."]]},{"headers":["Row","Family","Remaining scope"],"index":26,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Row","Family","Remaining scope"],["D01","Provider/CSO/CROA","Separate permission and fee regimes."],["D02","General collection/FDCPA/FCRA","Communications, validation and reporting."],["D03","Full loan merits/assignment/evidence","Actual validity and complete ownership proof."],["D04","Usury/interest/fee authority","No prior unreviewed rate conclusions imported."],["D05","General litigation/default/limitations","Only necessary judicial recovery boundary addressed."],["D06","Arbitration/judgment satisfaction","No previous saved findings adopted."],["D07","Bankruptcy/SCRA full dossiers","Narrow override flags only."],["D08","Insurance/GAP/service contracts","Actual coverage, cancellation, refund and deficiency-reduction rights."],["D09","True lease/title loan/business/special collateral","Classification branches, not completed specialized investigations."],["D10","Medical/rent/utilities/mortgage/government/local/tribal","Broader state and parent dimensions remain open."]]},{"headers":["Documented foundation","Narrow contribution","Unchanged boundary"],"index":27,"links":[],"row_links":[[],[],[],[]],"rows":[["Documented foundation","Narrow contribution","Unchanged boundary"],["Reviewed P01: “Preserve all contracts/funds/bonds/remedies/limitations/securedsector/local/tribal/state gaps.”","Investigates this vehicle secured-loan repossession/disposition gateway.","No invented earlier exact repossession row or acceptance of all secured-sector work."],["Authorized Arkansas parent: “vehicles/repo/deficiency.”","Supplies transaction, default, possession, notice, redemption, accounting and remedy matrices.","No actual actor permission, sale approval, deficiency judgment or remedy determination."],["Separate scoped reviews and saved unreviewed passes","Earlier raw provenance preserved; no legal findings imported as premises.","No component/state/parent/A066 or broader operational/publication acceptance."]]}],"claims":[{"claim_id":"S_AR-P16-C001","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AR-P16-C001","Actor/object/trigger":"Contractual vehicle security transaction","Required step or consequence":"Apply Article9 scope and preserve applicable consumer/federal law.","Authority/type/limit":"S001§201; S004§109; T."},"coordinator_verification_status":"researcher_attributed_rule_inference_or_gap_unreopened_held","coordinator_review":{"at":"2026-10-29T07:32:08.496846+00:00","identity":"delegated coordinator /root/review_wv1; not independent","note":"Whole original proposition, actor/trigger/condition and register location reconciled; no all-claim/current-chain or actual application acceptance.","evidence_folder":"reviews/S_AR16-primary-20261029-parallel","finding_ids":[],"actual_application_accepted":false}},{"claim_id":"S_AR-P16-C002","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C002","Actor/object/trigger":"Consumer category asserted","Required step or consequence":"Establish goods use and obligation purpose separately.","Authority/type/limit":"S002§9-102(a)(22)–(26); S004; T."},"coordinator_verification_status":"researcher_attributed_rule_inference_or_gap_unreopened_held","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":{"at":"2026-10-29T07:32:08.496846+00:00","identity":"delegated coordinator /root/review_wv1; not independent","note":"Whole original proposition, actor/trigger/condition and register location reconciled; no all-claim/current-chain or actual application acceptance.","evidence_folder":"reviews/S_AR16-primary-20261029-parallel","finding_ids":[],"actual_application_accepted":false}},{"claim_id":"S_AR-P16-C003","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C003","Actor/object/trigger":"Person owns collateral interest","Required step or consequence":"Debtor need not be personally obligated.","Authority/type/limit":"§9-102(a)(28); S002/S004; T."},"coordinator_verification_status":"researcher_attributed_rule_inference_or_gap_unreopened_held","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":{"at":"2026-10-29T07:32:08.496846+00:00","identity":"delegated coordinator /root/review_wv1; not independent","note":"Whole original proposition, actor/trigger/condition and register location reconciled; no all-claim/current-chain or actual application acceptance.","evidence_folder":"reviews/S_AR16-primary-20261029-parallel","finding_ids":[],"actual_application_accepted":false}},{"claim_id":"S_AR-P16-C004","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C004","Actor/object/trigger":"Payment/secondary liability asserted","Required step or consequence":"Identify obligor and secondary-obligor status.","Authority/type/limit":"§9-102(a)(59),(73); S002/S004; T."},"coordinator_verification_status":"researcher_attributed_rule_inference_or_gap_unreopened_held","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":{"at":"2026-10-29T07:32:08.496846+00:00","identity":"delegated coordinator /root/review_wv1; not independent","note":"Whole original proposition, actor/trigger/condition and register location reconciled; no all-claim/current-chain or actual application 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T."},"coordinator_verification_status":"researcher_attributed_rule_inference_or_gap_unreopened_held","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":{"at":"2026-10-29T07:32:08.496846+00:00","identity":"delegated coordinator /root/review_wv1; not independent","note":"Whole original proposition, actor/trigger/condition and register location reconciled; no all-claim/current-chain or actual application acceptance.","evidence_folder":"reviews/S_AR16-primary-20261029-parallel","finding_ids":[],"actual_application_accepted":false}},{"claim_id":"S_AR-P16-C028","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C028","Actor/object/trigger":"Confrontational taking","Required step or consequence":"Brewer upheld conversion on actual force-risk facts.","Authority/type/limit":"S030; H, pre-UCC context."},"coordinator_verification_status":"researcher_attributed_rule_inference_or_gap_unreopened_held","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":{"at":"2026-10-29T07:32:08.496846+00:00","identity":"delegated coordinator /root/review_wv1; not independent","note":"Whole original proposition, actor/trigger/condition and register location reconciled; no all-claim/current-chain or actual application acceptance.","evidence_folder":"reviews/S_AR16-primary-20261029-parallel","finding_ids":[],"actual_application_accepted":false}},{"claim_id":"S_AR-P16-C029","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C029","Actor/object/trigger":"Open-driveway taking","Required step or consequence":"Baldwin’s result depends on no barricade/confrontation facts.","Authority/type/limit":"S032; H."},"coordinator_verification_status":"researcher_attributed_rule_inference_or_gap_unreopened_held","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":{"at":"2026-10-29T07:32:08.496846+00:00","identity":"delegated coordinator /root/review_wv1; 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H/G."},"coordinator_verification_status":"researcher_attributed_rule_inference_or_gap_unreopened_held","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":{"at":"2026-10-29T07:32:08.496846+00:00","identity":"delegated coordinator /root/review_wv1; not independent","note":"Whole original proposition, actor/trigger/condition and register location reconciled; no all-claim/current-chain or actual application acceptance.","evidence_folder":"reviews/S_AR16-primary-20261029-parallel","finding_ids":[],"actual_application_accepted":false}},{"claim_id":"S_AR-P16-C033","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C033","Actor/object/trigger":"Personal items demanded","Required step or consequence":"Identify noncollateral ownership, custody, demand and return facts.","Authority/type/limit":"S031–S032; H/I."},"coordinator_verification_status":"researcher_attributed_rule_inference_or_gap_unreopened_held","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":{"at":"2026-10-29T07:32:08.496846+00:00","identity":"delegated coordinator /root/review_wv1; not independent","note":"Whole original proposition, actor/trigger/condition and register location reconciled; no all-claim/current-chain or actual application acceptance.","evidence_folder":"reviews/S_AR16-primary-20261029-parallel","finding_ids":[],"actual_application_accepted":false}},{"claim_id":"S_AR-P16-C034","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C034","Actor/object/trigger":"Towing content rule invoked","Required step or consequence":"Statutory possessory-lien regime not universal lender-repo retrieval fee.","Authority/type/limit":"S021§1208; S022§4; T/G."},"coordinator_verification_status":"researcher_attributed_rule_inference_or_gap_unreopened_held","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":{"at":"2026-10-29T07:32:08.496846+00:00","identity":"delegated coordinator /root/review_wv1; 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T."},"coordinator_verification_status":"researcher_attributed_rule_inference_or_gap_unreopened_held","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":{"at":"2026-10-29T07:32:08.496846+00:00","identity":"delegated coordinator /root/review_wv1; not independent","note":"Whole original proposition, actor/trigger/condition and register location reconciled; no all-claim/current-chain or actual application acceptance.","evidence_folder":"reviews/S_AR16-primary-20261029-parallel","finding_ids":[],"actual_application_accepted":false}},{"claim_id":"S_AR-P16-C038","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C038","Actor/object/trigger":"Affidavit/order/bond required","Required step or consequence":"Apply actual description, entitlement and bond conditions.","Authority/type/limit":"S024§§810–812; T."},"coordinator_verification_status":"researcher_attributed_rule_inference_or_gap_unreopened_held","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":{"at":"2026-10-29T07:32:08.496846+00:00","identity":"delegated coordinator /root/review_wv1; not independent","note":"Whole original proposition, actor/trigger/condition and register location reconciled; no all-claim/current-chain or actual application acceptance.","evidence_folder":"reviews/S_AR16-primary-20261029-parallel","finding_ids":[],"actual_application_accepted":false}},{"claim_id":"S_AR-P16-C039","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C039","Actor/object/trigger":"Replevin deadline generalized","Required step or consequence":"Current-rule integration/local form not completed.","Authority/type/limit":"S023–S024,S040; G."},"coordinator_verification_status":"researcher_attributed_rule_inference_or_gap_unreopened_held","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":{"at":"2026-10-29T07:32:08.496846+00:00","identity":"delegated coordinator /root/review_wv1; 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T."},"coordinator_verification_status":"selected_SCRA_official_body_checked_coverage_and_application_held","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":{"at":"2026-10-29T07:32:08.496846+00:00","identity":"delegated coordinator /root/review_wv1; not independent","note":"3952/3918; full linked definitions, actual service/contract/waiver facts remain held.","evidence_folder":"reviews/S_AR16-primary-20261029-parallel","finding_ids":[],"actual_application_accepted":false}},{"claim_id":"S_AR-P16-C042","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C042","Actor/object/trigger":"Bankruptcy flag present","Required step or consequence":"Apply actual stay/exception/duration/relief, not blanket permission.","Authority/type/limit":"S026§362(a),(c),(d),(h); T/G."},"coordinator_verification_status":"researcher_attributed_rule_inference_or_gap_unreopened_held","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":{"at":"2026-10-29T07:32:08.496846+00:00","identity":"delegated coordinator /root/review_wv1; not independent","note":"Whole original proposition, actor/trigger/condition and register location reconciled; no all-claim/current-chain or actual application acceptance.","evidence_folder":"reviews/S_AR16-primary-20261029-parallel","finding_ids":[],"actual_application_accepted":false}},{"claim_id":"S_AR-P16-C043","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C043","Actor/object/trigger":"Historical Article9 case used","Required step or consequence":"Revised act effective July1,2001 with saving provisions.","Authority/type/limit":"S001§§701–702; T."},"coordinator_verification_status":"researcher_attributed_rule_inference_or_gap_unreopened_held","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":{"at":"2026-10-29T07:32:08.496846+00:00","identity":"delegated coordinator /root/review_wv1; 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prior proceedings distinguished.","Authority/type/limit":"S002pp.100–101; T."},"coordinator_verification_status":"selected_operative_text_partial_check_current_chain_and_application_held","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":{"at":"2026-10-29T07:32:08.496846+00:00","identity":"delegated coordinator /root/review_wv1; not independent","note":"dated Act997§4-12A-301","evidence_folder":"reviews/S_AR16-primary-20261029-parallel","finding_ids":[],"actual_application_accepted":false}},{"claim_id":"S_AR-P16-C046","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C046","Actor/object/trigger":"Notice/consent record prepared","Required step or consequence":"Current signed terminology; authenticity/delivery facts still required.","Authority/type/limit":"S002§§88–97; T/G."},"coordinator_verification_status":"selected_operative_text_partial_check_current_chain_and_application_held","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":{"at":"2026-10-29T07:32:08.496846+00:00","identity":"delegated coordinator /root/review_wv1; not independent","note":"selected Act997 signed language only; full contexts held","evidence_folder":"reviews/S_AR16-primary-20261029-parallel","finding_ids":[],"actual_application_accepted":false}},{"claim_id":"S_AR-P16-C047","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C047","Actor/object/trigger":"Disposition planned","Required step or consequence":"Notify debtor and secondary obligor unless valid exception/waiver.","Authority/type/limit":"S010§611(b)–(c); S002§88; T."},"coordinator_verification_status":"selected_operative_text_partial_check_current_chain_and_application_held","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":{"at":"2026-10-29T07:32:08.496846+00:00","identity":"delegated coordinator /root/review_wv1; not independent","note":"611b/c","evidence_folder":"reviews/S_AR16-primary-20261029-parallel","finding_ids":[],"actual_application_accepted":false}},{"claim_id":"S_AR-P16-C048","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C048","Actor/object/trigger":"Other lienholder notice","Required step or consequence":"§611(c)(3) applies to nonconsumer goods; acceptance differs.","Authority/type/limit":"S010; S002§95; T."},"coordinator_verification_status":"selected_operative_text_partial_check_current_chain_and_application_held","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":{"at":"2026-10-29T07:32:08.496846+00:00","identity":"delegated coordinator /root/review_wv1; not independent","note":"611c3 and621 recipients","evidence_folder":"reviews/S_AR16-primary-20261029-parallel","finding_ids":[],"actual_application_accepted":false}},{"claim_id":"S_AR-P16-C049","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C049","Actor/object/trigger":"Notice exception asserted","Required step or consequence":"Prove perishable/speedy-decline/recognized-market predicate.","Authority/type/limit":"S010§611(d); T."},"coordinator_verification_status":"selected_operative_text_partial_check_current_chain_and_application_held","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":{"at":"2026-10-29T07:32:08.496846+00:00","identity":"delegated coordinator /root/review_wv1; not independent","note":"611d","evidence_folder":"reviews/S_AR16-primary-20261029-parallel","finding_ids":[],"actual_application_accepted":false}},{"claim_id":"S_AR-P16-C050","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C050","Actor/object/trigger":"Consumer notice interval","Required step or consequence":"Reasonableness factual.","Authority/type/limit":"S010§612(a); T."},"coordinator_verification_status":"researcher_attributed_rule_inference_or_gap_unreopened_held","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":{"at":"2026-10-29T07:32:08.496846+00:00","identity":"delegated coordinator /root/review_wv1; not independent","note":"Whole original proposition, actor/trigger/condition and register location reconciled; no all-claim/current-chain or actual application acceptance.","evidence_folder":"reviews/S_AR16-primary-20261029-parallel","finding_ids":[],"actual_application_accepted":false}},{"claim_id":"S_AR-P16-C051","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C051","Actor/object/trigger":"Ten-day safe harbor invoked","Required step or consequence":"§612(b) excludes consumer transactions.","Authority/type/limit":"S010; T."},"coordinator_verification_status":"researcher_attributed_rule_inference_or_gap_unreopened_held","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":{"at":"2026-10-29T07:32:08.496846+00:00","identity":"delegated coordinator /root/review_wv1; not independent","note":"Whole original proposition, actor/trigger/condition and register location reconciled; no all-claim/current-chain or actual application acceptance.","evidence_folder":"reviews/S_AR16-primary-20261029-parallel","finding_ids":[],"actual_application_accepted":false}},{"claim_id":"S_AR-P16-C052","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C052","Actor/object/trigger":"Notice waived","Required step or consequence":"Signed post-default agreement required.","Authority/type/limit":"S002§96/§624(a); T."},"coordinator_verification_status":"selected_operative_text_partial_check_current_chain_and_application_held","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":{"at":"2026-10-29T07:32:08.496846+00:00","identity":"delegated coordinator /root/review_wv1; not independent","note":"624a","evidence_folder":"reviews/S_AR16-primary-20261029-parallel","finding_ids":[],"actual_application_accepted":false}},{"claim_id":"S_AR-P16-C053","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C053","Actor/object/trigger":"Consumer notice contents","Required step or consequence":"Apply§614 plus§613(a)(1) and actual public/private information.","Authority/type/limit":"S002§§89–90; T."},"coordinator_verification_status":"selected_operative_text_partial_check_current_chain_and_application_held","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":{"at":"2026-10-29T07:32:08.496846+00:00","identity":"delegated coordinator /root/review_wv1; not independent","note":"613a1 and614","evidence_folder":"reviews/S_AR16-primary-20261029-parallel","finding_ids":[],"actual_application_accepted":false}},{"claim_id":"S_AR-P16-C054","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C054","Actor/object/trigger":"Statutory model used","Required step or consequence":"Sufficient-information form only when properly completed; not all-law approval.","Authority/type/limit":"S002§614(a)(3),(b); T/G."},"coordinator_verification_status":"selected_operative_text_partial_check_current_chain_and_application_held","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":{"at":"2026-10-29T07:32:08.496846+00:00","identity":"delegated coordinator /root/review_wv1; not independent","note":"614form andinstructions; actual completion held","evidence_folder":"reviews/S_AR16-primary-20261029-parallel","finding_ids":[],"actual_application_accepted":false}},{"claim_id":"S_AR-P16-C055","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C055","Actor/object/trigger":"Minor-error safe harbor claimed","Required step or consequence":"Former§614 paragraphs deleted; do not import§616(d).","Authority/type/limit":"S002§90; S012(d); T."},"coordinator_verification_status":"redline_visual_current_text_validation_held_not_established_error","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":{"at":"2026-10-29T07:32:08.496846+00:00","identity":"delegated coordinator /root/review_wv1; not independent","note":"Parsed old/new Act997 text interleaves language; exact deletion not independently pixel-verified. Validation-only.","evidence_folder":"reviews/S_AR16-primary-20261029-parallel","finding_ids":[],"actual_application_accepted":false}},{"claim_id":"S_AR-P16-C056","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C056","Actor/object/trigger":"Notice sent/received","Required step or consequence":"Proper sending and recipient facts differ from receipt; no deemed delivery conclusion.","Authority/type/limit":"S002§1,§88; T/G."},"coordinator_verification_status":"selected_operative_text_partial_check_current_chain_and_application_held","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":{"at":"2026-10-29T07:32:08.496846+00:00","identity":"delegated coordinator /root/review_wv1; not independent","note":"611signed record only; dispatch/receipt facts held","evidence_folder":"reviews/S_AR16-primary-20261029-parallel","finding_ids":[],"actual_application_accepted":false}},{"claim_id":"S_AR-P16-C057","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C057","Actor/object/trigger":"Actual sale differs from notice","Required step or consequence":"Actual type/date/place must be evaluated, not form title alone.","Authority/type/limit":"S002§614; S037–S038; T/H."},"coordinator_verification_status":"researcher_attributed_rule_inference_or_gap_unreopened_held","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":{"at":"2026-10-29T07:32:08.496846+00:00","identity":"delegated coordinator /root/review_wv1; not independent","note":"Whole original proposition, actor/trigger/condition and register location reconciled; no all-claim/current-chain or actual application acceptance.","evidence_folder":"reviews/S_AR16-primary-20261029-parallel","finding_ids":[],"actual_application_accepted":false}},{"claim_id":"S_AR-P16-C058","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C058","Actor/object/trigger":"Collateral disposed","Required step or consequence":"Every aspect must be commercially reasonable.","Authority/type/limit":"S009§610(b); T."},"coordinator_verification_status":"researcher_attributed_rule_inference_or_gap_unreopened_held","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":{"at":"2026-10-29T07:32:08.496846+00:00","identity":"delegated coordinator /root/review_wv1; not independent","note":"Whole original proposition, actor/trigger/condition and register location reconciled; no all-claim/current-chain or actual application acceptance.","evidence_folder":"reviews/S_AR16-primary-20261029-parallel","finding_ids":[],"actual_application_accepted":false}},{"claim_id":"S_AR-P16-C059","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C059","Actor/object/trigger":"Better price alleged","Required step or consequence":"Price alone not dispositive; complete sale circumstances matter.","Authority/type/limit":"S015§627; S038; T/H."},"coordinator_verification_status":"researcher_attributed_rule_inference_or_gap_unreopened_held","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":{"at":"2026-10-29T07:32:08.496846+00:00","identity":"delegated coordinator /root/review_wv1; 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original cell unchanged.","coordinator_review":{"at":"2026-10-29T07:32:08.496846+00:00","identity":"delegated coordinator /root/review_wv1; not independent","note":"Whole original proposition, actor/trigger/condition and register location reconciled; no all-claim/current-chain or actual application acceptance.","evidence_folder":"reviews/S_AR16-primary-20261029-parallel","finding_ids":[],"actual_application_accepted":false}},{"claim_id":"S_AR-P16-C063","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C063","Actor/object/trigger":"Transferee takes collateral","Required step or consequence":"§617 rights/good-faith qualifications; senior interests not automatically discharged.","Authority/type/limit":"S013§617; T."},"coordinator_verification_status":"researcher_attributed_rule_inference_or_gap_unreopened_held","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":{"at":"2026-10-29T07:32:08.496846+00:00","identity":"delegated coordinator /root/review_wv1; 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original cell unchanged.","coordinator_review":{"at":"2026-10-29T07:32:08.496846+00:00","identity":"delegated coordinator /root/review_wv1; not independent","note":"Whole original proposition, actor/trigger/condition and register location reconciled; no all-claim/current-chain or actual application acceptance.","evidence_folder":"reviews/S_AR16-primary-20261029-parallel","finding_ids":[],"actual_application_accepted":false}},{"claim_id":"S_AR-P16-C067","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C067","Actor/object/trigger":"Redemption waiver proposed","Required step or consequence":"§624(c) does not permit it in consumer-goods transaction.","Authority/type/limit":"S002§96; T."},"coordinator_verification_status":"researcher_attributed_rule_inference_or_gap_unreopened_held","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":{"at":"2026-10-29T07:32:08.496846+00:00","identity":"delegated coordinator /root/review_wv1; 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original cell unchanged.","coordinator_review":{"at":"2026-10-29T07:32:08.496846+00:00","identity":"delegated coordinator /root/review_wv1; not independent","note":"620f","evidence_folder":"reviews/S_AR16-primary-20261029-parallel","finding_ids":[],"actual_application_accepted":false}},{"claim_id":"S_AR-P16-C075","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C075","Actor/object/trigger":"Mandatory sale waived","Required step or consequence":"Signed postdefault agreement under§624(b).","Authority/type/limit":"S002§96; T."},"coordinator_verification_status":"selected_operative_text_partial_check_current_chain_and_application_held","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":{"at":"2026-10-29T07:32:08.496846+00:00","identity":"delegated coordinator /root/review_wv1; not independent","note":"624b","evidence_folder":"reviews/S_AR16-primary-20261029-parallel","finding_ids":[],"actual_application_accepted":false}},{"claim_id":"S_AR-P16-C076","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C076","Actor/object/trigger":"Acceptance validly occurs","Required step or consequence":"Discharge/transfer/subordinate-interest effects under§622.","Authority/type/limit":"S014§622; 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T."},"coordinator_verification_status":"researcher_attributed_rule_inference_or_gap_unreopened_held","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":{"at":"2026-10-29T07:32:08.496846+00:00","identity":"delegated coordinator /root/review_wv1; not independent","note":"Whole original proposition, actor/trigger/condition and register location reconciled; no all-claim/current-chain or actual application acceptance.","evidence_folder":"reviews/S_AR16-primary-20261029-parallel","finding_ids":[],"actual_application_accepted":false}},{"claim_id":"S_AR-P16-C085","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C085","Actor/object/trigger":"Receivables-sale exception invoked","Required step or consequence":"Distinguish transferor relationship from consumer collateral enforcement.","Authority/type/limit":"S008(g),S011(e); I/G."},"coordinator_verification_status":"researcher_attributed_rule_inference_or_gap_unreopened_held","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":{"at":"2026-10-29T07:32:08.496846+00:00","identity":"delegated coordinator /root/review_wv1; not independent","note":"Whole original proposition, actor/trigger/condition and register location reconciled; no all-claim/current-chain or actual application acceptance.","evidence_folder":"reviews/S_AR16-primary-20261029-parallel","finding_ids":[],"actual_application_accepted":false}},{"claim_id":"S_AR-P16-C086","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C086","Actor/object/trigger":"Rebate/GAP/refund asserted","Required step or consequence":"Establish legal entitlement, amount, prior credit and actual receipt separately.","Authority/type/limit":"S012(c)(1),(5); T/G."},"coordinator_verification_status":"selected_operative_text_partial_check_current_chain_and_application_held","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":{"at":"2026-10-29T07:32:08.496846+00:00","identity":"delegated coordinator /root/review_wv1; 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T."},"coordinator_verification_status":"selected_operative_text_partial_check_current_chain_and_application_held","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":{"at":"2026-10-29T07:32:08.496846+00:00","identity":"delegated coordinator /root/review_wv1; not independent","note":"616b1B/2","evidence_folder":"reviews/S_AR16-primary-20261029-parallel","finding_ids":[],"actual_application_accepted":false}},{"claim_id":"S_AR-P16-C089","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C089","Actor/object/trigger":"Explanation calculated","Required step or consequence":"Required sequence/reference date/expenses/credits; no duplicate entries.","Authority/type/limit":"§616(c); T."},"coordinator_verification_status":"selected_operative_text_partial_check_current_chain_and_application_held","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":{"at":"2026-10-29T07:32:08.496846+00:00","identity":"delegated coordinator /root/review_wv1; 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T, actual calendar held."},"coordinator_verification_status":"researcher_attributed_rule_inference_or_gap_unreopened_held","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":{"at":"2026-10-29T07:32:08.496846+00:00","identity":"delegated coordinator /root/review_wv1; not independent","note":"Whole original proposition, actor/trigger/condition and register location reconciled; no all-claim/current-chain or actual application acceptance.","evidence_folder":"reviews/S_AR16-primary-20261029-parallel","finding_ids":[],"actual_application_accepted":false}},{"claim_id":"S_AR-P16-C092","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C092","Actor/object/trigger":"Title release/status inferred","Required step or consequence":"Actual final payment/form/conditional title-law implementation required.","Authority/type/limit":"S017–S018,S040; G."},"coordinator_verification_status":"researcher_attributed_rule_inference_or_gap_unreopened_held","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":{"at":"2026-10-29T07:32:08.496846+00:00","identity":"delegated coordinator /root/review_wv1; not independent","note":"Whole original proposition, actor/trigger/condition and register location reconciled; no all-claim/current-chain or actual application acceptance.","evidence_folder":"reviews/S_AR16-primary-20261029-parallel","finding_ids":["S_AR-P16-Q001"],"actual_application_accepted":false}},{"claim_id":"S_AR-P16-C093","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C093","Actor/object/trigger":"Noncompliant enforcement shown","Required step or consequence":"Court may restrain/order on appropriate terms.","Authority/type/limit":"S015§625(a); T."},"coordinator_verification_status":"researcher_attributed_rule_inference_or_gap_unreopened_held","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":{"at":"2026-10-29T07:32:08.496846+00:00","identity":"delegated coordinator /root/review_wv1; 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T."},"coordinator_verification_status":"researcher_attributed_rule_inference_or_gap_unreopened_held","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":{"at":"2026-10-29T07:32:08.496846+00:00","identity":"delegated coordinator /root/review_wv1; not independent","note":"Whole original proposition, actor/trigger/condition and register location reconciled; no all-claim/current-chain or actual application acceptance.","evidence_folder":"reviews/S_AR16-primary-20261029-parallel","finding_ids":[],"actual_application_accepted":false}},{"claim_id":"S_AR-P16-C096","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C096","Actor/object/trigger":"Minimum repeated or explanation-only","Required step or consequence":"§628(d)–(e) limitations apply.","Authority/type/limit":"S015; S002§97; T."},"coordinator_verification_status":"selected_operative_text_partial_check_current_chain_and_application_held","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":{"at":"2026-10-29T07:32:08.496846+00:00","identity":"delegated coordinator /root/review_wv1; not independent","note":"628d/e","evidence_folder":"reviews/S_AR16-primary-20261029-parallel","finding_ids":[],"actual_application_accepted":false}},{"claim_id":"S_AR-P16-C097","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C097","Actor/object/trigger":"$500 explanation remedy sought","Required step or consequence":"Apply actual pattern/practice or request-waiver subsection.","Authority/type/limit":"§625(e)(5)–(6); T."},"coordinator_verification_status":"researcher_attributed_rule_inference_or_gap_unreopened_held","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":{"at":"2026-10-29T07:32:08.496846+00:00","identity":"delegated coordinator /root/review_wv1; not independent","note":"Whole original proposition, actor/trigger/condition and register location reconciled; 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T."},"coordinator_verification_status":"researcher_attributed_rule_inference_or_gap_unreopened_held","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":{"at":"2026-10-29T07:32:08.496846+00:00","identity":"delegated coordinator /root/review_wv1; not independent","note":"Whole original proposition, actor/trigger/condition and register location reconciled; no all-claim/current-chain or actual application acceptance.","evidence_folder":"reviews/S_AR16-primary-20261029-parallel","finding_ids":[],"actual_application_accepted":false}},{"claim_id":"S_AR-P16-C100","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C100","Actor/object/trigger":"Consumer deficiency consequence","Required step or consequence":"Court determines proper rule; established approaches permitted.","Authority/type/limit":"§626(b); T."},"coordinator_verification_status":"researcher_attributed_rule_inference_or_gap_unreopened_held","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":{"at":"2026-10-29T07:32:08.496846+00:00","identity":"delegated coordinator /root/review_wv1; not independent","note":"Whole original proposition, actor/trigger/condition and register location reconciled; no all-claim/current-chain or actual application acceptance.","evidence_folder":"reviews/S_AR16-primary-20261029-parallel","finding_ids":[],"actual_application_accepted":false}},{"claim_id":"S_AR-P16-C101","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C101","Actor/object/trigger":"No-notice bar asserted","Required step or consequence":"Hallett’s actual former-law holding remains distinct from current complete rule.","Authority/type/limit":"S034; H/G."},"coordinator_verification_status":"published_Hallett_historical_holding_checked_current_application_held","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":{"at":"2026-10-29T07:32:08.496846+00:00","identity":"delegated coordinator /root/review_wv1; 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S002§97; T."},"coordinator_verification_status":"selected_operative_text_partial_check_current_chain_and_application_held","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":{"at":"2026-10-29T07:32:08.496846+00:00","identity":"delegated coordinator /root/review_wv1; not independent","note":"628a–c; application held","evidence_folder":"reviews/S_AR16-primary-20261029-parallel","finding_ids":[],"actual_application_accepted":false}},{"claim_id":"S_AR-P16-C104","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C104","Actor/object/trigger":"Fees/tort recovery requested","Required step or consequence":"Separate legal basis needed; Morgan reversed contract-fee treatment of tort.","Authority/type/limit":"S029; H/G."},"coordinator_verification_status":"researcher_attributed_rule_inference_or_gap_unreopened_held","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":{"at":"2026-10-29T07:32:08.496846+00:00","identity":"delegated coordinator /root/review_wv1; 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G."},"coordinator_verification_status":"researcher_attributed_rule_inference_or_gap_unreopened_held","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":{"at":"2026-10-29T07:32:08.496846+00:00","identity":"delegated coordinator /root/review_wv1; not independent","note":"Whole original proposition, actor/trigger/condition and register location reconciled; no all-claim/current-chain or actual application acceptance.","evidence_folder":"reviews/S_AR16-primary-20261029-parallel","finding_ids":[],"actual_application_accepted":false}},{"claim_id":"S_AR-P16-C108","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C108","Actor/object/trigger":"Sector/territory generalized","Required step or consequence":"Special programs, loans, local/tribal/foreign rules held.","Authority/type/limit":"Scope/coverage; G."},"coordinator_verification_status":"researcher_attributed_rule_inference_or_gap_unreopened_held","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":{"at":"2026-10-29T07:32:08.496846+00:00","identity":"delegated coordinator /root/review_wv1; not independent","note":"Whole original proposition, actor/trigger/condition and register location reconciled; no all-claim/current-chain or actual application acceptance.","evidence_folder":"reviews/S_AR16-primary-20261029-parallel","finding_ids":[],"actual_application_accepted":false}},{"claim_id":"S_AR-P16-C109","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C109","Actor/object/trigger":"M01 used","Required step or consequence":"Conditional proceeds/expense/credit arithmetic only.","Authority/type/limit":"M01; C078–C090; C."},"coordinator_verification_status":"supplied_model_arithmetic_checked_legal_predicates_held","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":{"at":"2026-10-29T07:32:08.496846+00:00","identity":"delegated coordinator /root/review_wv1; 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C065–C077; C."},"coordinator_verification_status":"supplied_model_arithmetic_checked_legal_predicates_held","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":{"at":"2026-10-29T07:32:08.496846+00:00","identity":"delegated coordinator /root/review_wv1; not independent","note":"Only original M01–M04 checks; no actual amount/deadline/deficiency/remedy determination.","evidence_folder":"reviews/S_AR16-primary-20261029-parallel","finding_ids":[],"actual_application_accepted":false}},{"claim_id":"S_AR-P16-C112","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C112","Actor/object/trigger":"M04 used","Required step or consequence":"Potential statutory measure is not automatic award, offset or deficiency result.","Authority/type/limit":"M04; C093–C104; C."},"coordinator_verification_status":"supplied_model_arithmetic_checked_legal_predicates_held","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":{"at":"2026-10-29T07:32:08.496846+00:00","identity":"delegated coordinator /root/review_wv1; not independent","note":"Only original M01–M04 checks; no actual amount/deadline/deficiency/remedy determination.","evidence_folder":"reviews/S_AR16-primary-20261029-parallel","finding_ids":[],"actual_application_accepted":false}}],"sources":[{"source_id":"S_AR-P16-S001","urls":["https://arkleg.state.ar.us/Acts/FTPDocument?ddBienniumSession=2001%2FR&file=1439.pdf&path=%2FACTS%2F2001%2FPublic%2F","https://arkleg.state.ar.us/Acts/FTPDocument?ddBienniumSession=2001%2FR&file=1439.pdf&path=%2FACTS%2F2001%2FPublic%2F&utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_AR-P16-S001","Issuer/title/full literal HTTPS URL":"Arkansas General Assembly, Act1439/2001. https://arkleg.state.ar.us/Acts/FTPDocument?ddBienniumSession=2001%2FR&file=1439.pdf&path=%2FACTS%2F2001%2FPublic%2F","Actual reading, version/effect and limits":"P: material §§9-201–204,207,601–603,609–628 and701–702. Relevant pages: printed22–27/PDF21–26; 96–101/PDF95–100; 115–120/PDF114–119. Images inspected at PDF100,115,116,119. Effective July1,2001. Entire139-page act not read."},"coordinator_verification_status":"selected_primary_access_failed_current_base_held","coordinator_review":{"at":"2026-10-29T07:32:08.496846+00:00","identity":"delegated coordinator /root/review_wv1; not independent","evidence_folder":"reviews/S_AR16-primary-20261029-parallel","note":"Act1439 selected finds both failed UnexpectedStatusCode in prequeued pair; no base/current-chain verification.","retained_cites":["turn2971view5","turn2971view6"],"material_finding_ids":[],"full_currentness_or_application_accepted":false}},{"source_id":"S_AR-P16-S002","urls":["https://arkleg.state.ar.us/Home/FTPDocument?path=%2FACTS%2F2025R%2FPublic%2FACT997.pdf","https://arkleg.state.ar.us/Acts/FTPDocument?ddBienniumSession=2025%2F2025R&file=997.pdf&path=%2FACTS%2F2025R%2FPublic%2F","https://arkleg.state.ar.us/Home/FTPDocument?path=%2FACTS%2F2025R%2FPublic%2FACT997.pdf&utm_source=chatgpt.com","https://arkleg.state.ar.us/Acts/FTPDocument?ddBienniumSession=2025%2F2025R&file=997.pdf&path=%2FACTS%2F2025R%2FPublic%2F&utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_AR-P16-S002","Issuer/title/full literal HTTPS URL":"Act997/2025. https://arkleg.state.ar.us/Home/FTPDocument?path=%2FACTS%2F2025R%2FPublic%2FACT997.pdf ; successful alternate https://arkleg.state.ar.us/Acts/FTPDocument?ddBienniumSession=2025%2F2025R&file=997.pdf&path=%2FACTS%2F2025R%2FPublic%2F","Actual reading, version/effect and limits":"P: material definitions; §§50–52,88–97; §4-12A-301 and §100. Definitions printed35–43/PDF34–42; attachment/care50–52/PDF49–51; notices/proceeds/acceptance76–89/PDF75–88; transition100–101/PDF99–100; effective103/PDF102. Relevant images inspected, including PDF79–81,85–87,99–100,102. Approved Apr22,2025; effective Sep1,2026. Not all103 pages read."},"coordinator_verification_status":"selected_primary_amendments_and_explicit_dated_transition_checked_partial","coordinator_review":{"at":"2026-10-29T07:32:08.496846+00:00","identity":"delegated coordinator /root/review_wv1; not independent","evidence_folder":"reviews/S_AR16-primary-20261029-parallel","note":"Actual611/613/614/615a/616abc/619a/620/621a/624/628 selected text checked; no full act/current chain or visual redline deletion verification. Dated AR15§100/301 used explicitly.","retained_cites":["turn2969view0","turn2971view0","turn2969view1","turn2970view1","turn2971view1","turn2969view2","turn2970view2","turn2969view3"],"material_finding_ids":[],"full_currentness_or_application_accepted":false}},{"source_id":"S_AR-P16-S003","urls":["https://law.justia.com/codes/arkansas/title-4/subtitle-1/chapter-1/part-2/section-4-1-203/","https://law.justia.com/codes/arkansas/title-4/subtitle-1/chapter-1/part-3/section-4-1-309/","https://law.justia.com/codes/arkansas/title-4/subtitle-1/chapter-1/part-2/section-4-1-203/?utm_source=chatgpt.com","https://law.justia.com/codes/arkansas/title-4/subtitle-1/chapter-1/part-3/section-4-1-309/?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_AR-P16-S003","Issuer/title/full literal HTTPS URL":"§§4-1-203,309. https://law.justia.com/codes/arkansas/title-4/subtitle-1/chapter-1/part-2/section-4-1-203/ ; https://law.justia.com/codes/arkansas/title-4/subtitle-1/chapter-1/part-3/section-4-1-309/","Actual reading, version/effect and limits":"M,2025: complete lease/security test and insecurity-acceleration provision. Full original/later chain held."},"coordinator_verification_status":"researcher_attributed_unreopened_source_version_application_held","coordinator_review":{"at":"2026-10-29T07:32:08.496846+00:00","identity":"delegated coordinator /root/review_wv1; not independent","evidence_folder":"reviews/S_AR16-primary-20261029-parallel","note":"Original material source/clauses/limits read in the answer and reconciled; no fresh operative-body, complete version or factual application check in this bounded coordinator review.","retained_cites":[],"material_finding_ids":[],"full_currentness_or_application_accepted":false}},{"source_id":"S_AR-P16-S004","urls":["https://law.justia.com/codes/arkansas/title-4/subtitle-1/chapter-9/part-1/subpart-1/section-4-9-102/","https://codes.findlaw.com/ar/title-4-business-and-commercial-law/ar-code-sect-4-9-109/","https://law.justia.com/codes/arkansas/title-4/subtitle-1/chapter-9/part-1/subpart-1/section-4-9-102/?utm_source=chatgpt.com","https://codes.findlaw.com/ar/title-4-business-and-commercial-law/ar-code-sect-4-9-109/?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_AR-P16-S004","Issuer/title/full literal HTTPS URL":"§§4-9-102,109. https://law.justia.com/codes/arkansas/title-4/subtitle-1/chapter-9/part-1/subpart-1/section-4-9-102/ ; https://codes.findlaw.com/ar/title-4-business-and-commercial-law/ar-code-sect-4-9-109/","Actual reading, version/effect and limits":"M: material consumer/debtor/obligor/secured-party definitions; complete scope/exclusion body. FindLaw §109 dated Mar28,2024; current definitions compared with S002."},"coordinator_verification_status":"researcher_attributed_unreopened_source_version_application_held","coordinator_review":{"at":"2026-10-29T07:32:08.496846+00:00","identity":"delegated coordinator /root/review_wv1; not independent","evidence_folder":"reviews/S_AR16-primary-20261029-parallel","note":"Original material source/clauses/limits read in the answer and reconciled; no fresh operative-body, complete version or factual application check in this bounded coordinator review.","retained_cites":[],"material_finding_ids":[],"full_currentness_or_application_accepted":false}},{"source_id":"S_AR-P16-S005","urls":["https://law.justia.com/codes/arkansas/title-4/subtitle-1/chapter-9/part-1/subpart-1/section-4-9-103/","https://law.justia.com/codes/arkansas/title-4/subtitle-1/chapter-9/part-1/subpart-1/section-4-9-103/?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_AR-P16-S005","Issuer/title/full literal HTTPS URL":"§4-9-103. https://law.justia.com/codes/arkansas/title-4/subtitle-1/chapter-9/part-1/subpart-1/section-4-9-103/","Actual reading, version/effect and limits":"M,2025: complete (a)–(h), including consumer limitation of specified rules."},"coordinator_verification_status":"researcher_attributed_unreopened_source_version_application_held","coordinator_review":{"at":"2026-10-29T07:32:08.496846+00:00","identity":"delegated coordinator /root/review_wv1; not independent","evidence_folder":"reviews/S_AR16-primary-20261029-parallel","note":"Original material source/clauses/limits read in the answer and reconciled; no fresh operative-body, complete version or factual application check in this bounded coordinator review.","retained_cites":[],"material_finding_ids":[],"full_currentness_or_application_accepted":false}},{"source_id":"S_AR-P16-S006","urls":["https://codes.findlaw.com/ar/title-4-business-and-commercial-law/ar-code-sect-4-9-203/","https://codes.findlaw.com/ar/title-4-business-and-commercial-law/ar-code-sect-4-9-203/?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_AR-P16-S006","Issuer/title/full literal HTTPS URL":"§4-9-203. https://codes.findlaw.com/ar/title-4-business-and-commercial-law/ar-code-sect-4-9-203/","Actual reading, version/effect and limits":"M,Mar28,2024: material attachment/enforceability body; current signed-record change from S002§50. Not independent current official codification."},"coordinator_verification_status":"researcher_attributed_unreopened_source_version_application_held","coordinator_review":{"at":"2026-10-29T07:32:08.496846+00:00","identity":"delegated coordinator /root/review_wv1; not independent","evidence_folder":"reviews/S_AR16-primary-20261029-parallel","note":"Original material source/clauses/limits read in the answer and reconciled; no fresh operative-body, complete version or factual application check in this bounded coordinator review.","retained_cites":[],"material_finding_ids":[],"full_currentness_or_application_accepted":false}},{"source_id":"S_AR-P16-S007","urls":["https://law.justia.com/codes/arkansas/title-4/subtitle-1/chapter-9/part-3/subpart-2/section-4-9-311/","https://law.justia.com/codes/arkansas/title-4/subtitle-1/chapter-9/part-3/subpart-2/section-4-9-311/?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_AR-P16-S007","Issuer/title/full literal HTTPS URL":"§4-9-311. https://law.justia.com/codes/arkansas/title-4/subtitle-1/chapter-9/part-3/subpart-2/section-4-9-311/","Actual reading, version/effect and limits":"M,2025: complete certificate-title/perfection and inventory exceptions."},"coordinator_verification_status":"researcher_attributed_unreopened_source_version_application_held","coordinator_review":{"at":"2026-10-29T07:32:08.496846+00:00","identity":"delegated coordinator /root/review_wv1; not independent","evidence_folder":"reviews/S_AR16-primary-20261029-parallel","note":"Original material source/clauses/limits read in the answer and reconciled; no fresh operative-body, complete version or factual application check in this bounded coordinator review.","retained_cites":[],"material_finding_ids":[],"full_currentness_or_application_accepted":false}},{"source_id":"S_AR-P16-S008","urls":["https://law.justia.com/codes/arkansas/title-4/subtitle-1/chapter-9/part-6/subpart-1/section-4-9-601/","https://law.justia.com/codes/arkansas/title-4/subtitle-1/chapter-9/part-6/subpart-1/section-4-9-602/","https://law.justia.com/codes/arkansas/title-4/subtitle-1/chapter-9/part-6/subpart-1/section-4-9-603/","https://law.justia.com/codes/arkansas/title-4/subtitle-1/chapter-9/part-6/subpart-1/section-4-9-601/?utm_source=chatgpt.com","https://law.justia.com/codes/arkansas/title-4/subtitle-1/chapter-9/part-6/subpart-1/section-4-9-602/?utm_source=chatgpt.com","https://law.justia.com/codes/arkansas/title-4/subtitle-1/chapter-9/part-6/subpart-1/section-4-9-603/?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_AR-P16-S008","Issuer/title/full literal HTTPS URL":"§§4-9-601–603. https://law.justia.com/codes/arkansas/title-4/subtitle-1/chapter-9/part-6/subpart-1/section-4-9-601/ ; https://law.justia.com/codes/arkansas/title-4/subtitle-1/chapter-9/part-6/subpart-1/section-4-9-602/ ; https://law.justia.com/codes/arkansas/title-4/subtitle-1/chapter-9/part-6/subpart-1/section-4-9-603/","Actual reading, version/effect and limits":"M: material postdefault rights, nonwaiver and agreed standards. §601 page has pre-Sep2026 version label; changed control references not treated as current without S002."},"coordinator_verification_status":"researcher_attributed_unreopened_source_version_application_held","coordinator_review":{"at":"2026-10-29T07:32:08.496846+00:00","identity":"delegated coordinator /root/review_wv1; not independent","evidence_folder":"reviews/S_AR16-primary-20261029-parallel","note":"Original material source/clauses/limits read in the answer and reconciled; no fresh operative-body, complete version or factual application check in this bounded coordinator review.","retained_cites":[],"material_finding_ids":[],"full_currentness_or_application_accepted":false}},{"source_id":"S_AR-P16-S009","urls":["https://law.justia.com/codes/arkansas/title-4/subtitle-1/chapter-9/part-6/subpart-1/section-4-9-609/","https://law.justia.com/codes/arkansas/title-4/subtitle-1/chapter-9/part-6/subpart-1/section-4-9-610/","https://law.justia.com/codes/arkansas/title-4/subtitle-1/chapter-9/part-6/subpart-1/section-4-9-609/?utm_source=chatgpt.com","https://law.justia.com/codes/arkansas/title-4/subtitle-1/chapter-9/part-6/subpart-1/section-4-9-610/?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_AR-P16-S009","Issuer/title/full literal HTTPS URL":"§§4-9-609–610. https://law.justia.com/codes/arkansas/title-4/subtitle-1/chapter-9/part-6/subpart-1/section-4-9-609/ ; https://law.justia.com/codes/arkansas/title-4/subtitle-1/chapter-9/part-6/subpart-1/section-4-9-610/","Actual reading, version/effect and limits":"M,2025: complete repossession and disposition provisions; official S001 material text also read."},"coordinator_verification_status":"researcher_attributed_unreopened_source_version_application_held","coordinator_review":{"at":"2026-10-29T07:32:08.496846+00:00","identity":"delegated coordinator /root/review_wv1; not independent","evidence_folder":"reviews/S_AR16-primary-20261029-parallel","note":"Original material source/clauses/limits read in the answer and reconciled; no fresh operative-body, complete version or factual application check in this bounded coordinator review.","retained_cites":[],"material_finding_ids":[],"full_currentness_or_application_accepted":false}},{"source_id":"S_AR-P16-S010","urls":["https://law.justia.com/codes/arkansas/title-4/subtitle-1/chapter-9/part-6/subpart-1/section-4-9-611/","https://law.justia.com/codes/arkansas/title-4/subtitle-1/chapter-9/part-6/subpart-1/section-4-9-612/","https://law.justia.com/codes/arkansas/title-4/subtitle-1/chapter-9/part-6/subpart-1/section-4-9-611/?utm_source=chatgpt.com","https://law.justia.com/codes/arkansas/title-4/subtitle-1/chapter-9/part-6/subpart-1/section-4-9-612/?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_AR-P16-S010","Issuer/title/full literal HTTPS URL":"§§4-9-611–612. https://law.justia.com/codes/arkansas/title-4/subtitle-1/chapter-9/part-6/subpart-1/section-4-9-611/ ; https://law.justia.com/codes/arkansas/title-4/subtitle-1/chapter-9/part-6/subpart-1/section-4-9-612/","Actual reading, version/effect and limits":"M: all material recipient, exception, timing and safe-harbor conditions. §611 updated through S002§88; current §§613–614 read directly in S002§§89–90."},"coordinator_verification_status":"researcher_attributed_unreopened_source_version_application_held","coordinator_review":{"at":"2026-10-29T07:32:08.496846+00:00","identity":"delegated coordinator /root/review_wv1; not independent","evidence_folder":"reviews/S_AR16-primary-20261029-parallel","note":"Original material source/clauses/limits read in the answer and reconciled; no fresh operative-body, complete version or factual application check in this bounded coordinator review.","retained_cites":[],"material_finding_ids":[],"full_currentness_or_application_accepted":false}},{"source_id":"S_AR-P16-S011","urls":["https://law.justia.com/codes/arkansas/title-4/subtitle-1/chapter-9/part-6/subpart-1/section-4-9-615/","https://law.justia.com/codes/arkansas/title-4/subtitle-1/chapter-9/part-6/subpart-1/section-4-9-615/?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_AR-P16-S011","Issuer/title/full literal HTTPS URL":"§4-9-615. https://law.justia.com/codes/arkansas/title-4/subtitle-1/chapter-9/part-6/subpart-1/section-4-9-615/","Actual reading, version/effect and limits":"M: complete (a)–(g). Signed-demand changes from S002§91; no automatic senior-lien payment rule inferred."},"coordinator_verification_status":"researcher_attributed_unreopened_source_version_application_held","coordinator_review":{"at":"2026-10-29T07:32:08.496846+00:00","identity":"delegated coordinator /root/review_wv1; not independent","evidence_folder":"reviews/S_AR16-primary-20261029-parallel","note":"Original material source/clauses/limits read in the answer and reconciled; no fresh operative-body, complete version or factual application check in this bounded coordinator review.","retained_cites":[],"material_finding_ids":[],"full_currentness_or_application_accepted":false}},{"source_id":"S_AR-P16-S012","urls":["https://law.justia.com/codes/arkansas/title-4/subtitle-1/chapter-9/part-6/subpart-1/section-4-9-616/","https://law.justia.com/codes/arkansas/title-4/subtitle-1/chapter-9/part-6/subpart-1/section-4-9-616/?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_AR-P16-S012","Issuer/title/full literal HTTPS URL":"§4-9-616. https://law.justia.com/codes/arkansas/title-4/subtitle-1/chapter-9/part-6/subpart-1/section-4-9-616/","Actual reading, version/effect and limits":"M: complete explanation, order, timing, credit and copy-charge body. Pre-effective (a)–(c) wording updated by S002§92; (d)–(e) distinguished."},"coordinator_verification_status":"researcher_attributed_unreopened_source_version_application_held","coordinator_review":{"at":"2026-10-29T07:32:08.496846+00:00","identity":"delegated coordinator /root/review_wv1; not independent","evidence_folder":"reviews/S_AR16-primary-20261029-parallel","note":"Original material source/clauses/limits read in the answer and reconciled; no fresh operative-body, complete version or factual application check in this bounded coordinator review.","retained_cites":[],"material_finding_ids":[],"full_currentness_or_application_accepted":false}},{"source_id":"S_AR-P16-S013","urls":["https://law.justia.com/codes/arkansas/title-4/subtitle-1/chapter-9/part-6/subpart-1/section-4-9-617/","https://law.justia.com/codes/arkansas/title-4/subtitle-1/chapter-9/part-6/subpart-1/section-4-9-619/","https://law.justia.com/codes/arkansas/title-4/subtitle-1/chapter-9/part-6/subpart-1/section-4-9-617/?utm_source=chatgpt.com","https://law.justia.com/codes/arkansas/title-4/subtitle-1/chapter-9/part-6/subpart-1/section-4-9-619/?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_AR-P16-S013","Issuer/title/full literal HTTPS URL":"§§4-9-617,619. https://law.justia.com/codes/arkansas/title-4/subtitle-1/chapter-9/part-6/subpart-1/section-4-9-617/ ; https://law.justia.com/codes/arkansas/title-4/subtitle-1/chapter-9/part-6/subpart-1/section-4-9-619/","Actual reading, version/effect and limits":"M: purchaser rights and record-transfer effect; §619(a) current signature wording from S002§93."},"coordinator_verification_status":"researcher_attributed_unreopened_source_version_application_held","coordinator_review":{"at":"2026-10-29T07:32:08.496846+00:00","identity":"delegated coordinator /root/review_wv1; not independent","evidence_folder":"reviews/S_AR16-primary-20261029-parallel","note":"Original material source/clauses/limits read in the answer and reconciled; no fresh operative-body, complete version or factual application check in this bounded coordinator review.","retained_cites":[],"material_finding_ids":[],"full_currentness_or_application_accepted":false}},{"source_id":"S_AR-P16-S014","urls":["https://law.justia.com/codes/arkansas/title-4/subtitle-1/chapter-9/part-6/subpart-1/section-4-9-622/","https://law.justia.com/codes/arkansas/title-4/subtitle-1/chapter-9/part-6/subpart-1/section-4-9-623/","https://law.justia.com/codes/arkansas/title-4/subtitle-1/chapter-9/part-6/subpart-1/section-4-9-622/?utm_source=chatgpt.com","https://law.justia.com/codes/arkansas/title-4/subtitle-1/chapter-9/part-6/subpart-1/section-4-9-623/?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_AR-P16-S014","Issuer/title/full literal HTTPS URL":"§§4-9-622–623. https://law.justia.com/codes/arkansas/title-4/subtitle-1/chapter-9/part-6/subpart-1/section-4-9-622/ ; https://law.justia.com/codes/arkansas/title-4/subtitle-1/chapter-9/part-6/subpart-1/section-4-9-623/","Actual reading, version/effect and limits":"M,2025: complete effect and redemption bodies. Current §§620–621,624 read in S002§§94–96, not counted as new independent documents."},"coordinator_verification_status":"researcher_attributed_unreopened_source_version_application_held","coordinator_review":{"at":"2026-10-29T07:32:08.496846+00:00","identity":"delegated coordinator /root/review_wv1; not independent","evidence_folder":"reviews/S_AR16-primary-20261029-parallel","note":"Original material source/clauses/limits read in the answer and reconciled; no fresh operative-body, complete version or factual application check in this bounded coordinator review.","retained_cites":[],"material_finding_ids":[],"full_currentness_or_application_accepted":false}},{"source_id":"S_AR-P16-S015","urls":["https://law.justia.com/codes/arkansas/title-4/subtitle-1/chapter-9/part-6/subpart-2/section-4-9-625/","https://law.justia.com/codes/arkansas/title-4/subtitle-1/chapter-9/part-6/subpart-2/section-4-9-626/","https://law.justia.com/codes/arkansas/title-4/subtitle-1/chapter-9/part-6/subpart-2/section-4-9-627/","https://law.justia.com/codes/arkansas/title-4/subtitle-1/chapter-9/part-6/subpart-2/section-4-9-628/","https://law.justia.com/codes/arkansas/title-4/subtitle-1/chapter-9/part-6/subpart-2/section-4-9-625/?utm_source=chatgpt.com","https://law.justia.com/codes/arkansas/title-4/subtitle-1/chapter-9/part-6/subpart-2/section-4-9-626/?utm_source=chatgpt.com","https://law.justia.com/codes/arkansas/title-4/subtitle-1/chapter-9/part-6/subpart-2/section-4-9-627/?utm_source=chatgpt.com","https://law.justia.com/codes/arkansas/title-4/subtitle-1/chapter-9/part-6/subpart-2/section-4-9-628/?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_AR-P16-S015","Issuer/title/full literal HTTPS URL":"§§4-9-625–628. https://law.justia.com/codes/arkansas/title-4/subtitle-1/chapter-9/part-6/subpart-2/section-4-9-625/ ; https://law.justia.com/codes/arkansas/title-4/subtitle-1/chapter-9/part-6/subpart-2/section-4-9-626/ ; https://law.justia.com/codes/arkansas/title-4/subtitle-1/chapter-9/part-6/subpart-2/section-4-9-627/ ; https://law.justia.com/codes/arkansas/title-4/subtitle-1/chapter-9/part-6/subpart-2/section-4-9-628/","Actual reading, version/effect and limits":"M: complete material remedies, consumer/nonconsumer distinction, reasonableness and liability limits. §628 updated through S002§97; its new electronic-collateral qualification not generalized to ordinary cars."},"coordinator_verification_status":"researcher_attributed_unreopened_source_version_application_held","coordinator_review":{"at":"2026-10-29T07:32:08.496846+00:00","identity":"delegated coordinator /root/review_wv1; not independent","evidence_folder":"reviews/S_AR16-primary-20261029-parallel","note":"Original material source/clauses/limits read in the answer and reconciled; no fresh operative-body, complete version or factual application check in this bounded coordinator review.","retained_cites":[],"material_finding_ids":[],"full_currentness_or_application_accepted":false}},{"source_id":"S_AR-P16-S016","urls":["https://law.justia.com/codes/arkansas/title-27/subtitle-2/chapter-14/subchapter-8/section-27-14-801/","https://law.justia.com/codes/arkansas/title-27/subtitle-2/chapter-14/subchapter-8/section-27-14-802/","https://law.justia.com/codes/arkansas/title-27/subtitle-2/chapter-14/subchapter-9/section-27-14-908/","https://law.justia.com/codes/arkansas/title-27/subtitle-2/chapter-14/subchapter-8/section-27-14-801/?utm_source=chatgpt.com","https://law.justia.com/codes/arkansas/title-27/subtitle-2/chapter-14/subchapter-8/section-27-14-802/?utm_source=chatgpt.com","https://law.justia.com/codes/arkansas/title-27/subtitle-2/chapter-14/subchapter-9/section-27-14-908/?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_AR-P16-S016","Full literal HTTPS URL":"§§27-14-801,802,908. https://law.justia.com/codes/arkansas/title-27/subtitle-2/chapter-14/subchapter-8/section-27-14-801/ ; https://law.justia.com/codes/arkansas/title-27/subtitle-2/chapter-14/subchapter-8/section-27-14-802/ ; https://law.justia.com/codes/arkansas/title-27/subtitle-2/chapter-14/subchapter-9/section-27-14-908/","Actual material read and limits":"M,2025: material title-perfection and assignment/notice provisions. §802 conditional amendment separately addressed by S017."},"coordinator_verification_status":"researcher_attributed_unreopened_source_version_application_held","coordinator_review":{"at":"2026-10-29T07:32:08.496846+00:00","identity":"delegated coordinator /root/review_wv1; not independent","evidence_folder":"reviews/S_AR16-primary-20261029-parallel","note":"Original material source/clauses/limits read in the answer and reconciled; no fresh operative-body, complete version or factual application check in this bounded coordinator review.","retained_cites":[],"material_finding_ids":[],"full_currentness_or_application_accepted":false}},{"source_id":"S_AR-P16-S017","urls":["https://arkleg.state.ar.us/Home/FTPDocument?path=%2FACTS%2F2025R%2FPublic%2FACT926.pdf","https://arkleg.state.ar.us/Home/FTPDocument?path=%2FACTS%2F2025R%2FPublic%2FACT926.pdf&utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_AR-P16-S017","Full literal HTTPS URL":"Act926/2025. https://arkleg.state.ar.us/Home/FTPDocument?path=%2FACTS%2F2025R%2FPublic%2FACT926.pdf","Actual material read and limits":"P: material §§9–12; §12 printed7/PDF6 image. Approved Apr21,2025. Actual certification triggering §§9–10 not verified. Entire title-law transition not completed."},"coordinator_verification_status":"material_actor_correction_required_UNSENT","coordinator_review":{"at":"2026-10-29T07:32:08.496846+00:00","identity":"delegated coordinator /root/review_wv1; not independent","evidence_folder":"reviews/S_AR16-primary-20261029-parallel","note":"Act926§12 OfficeMotorVehicle→DFASecretary→BLRDirector/Commission; actual certification still unknown.","retained_cites":["turn2972view4"],"material_finding_ids":["S_AR-P16-Q001"],"full_currentness_or_application_accepted":false}},{"source_id":"S_AR-P16-S018","urls":["https://law.justia.com/codes/arkansas/title-27/subtitle-2/chapter-14/subchapter-9/section-27-14-904/","https://law.justia.com/codes/arkansas/title-27/subtitle-2/chapter-14/subchapter-9/section-27-14-909/","https://law.justia.com/codes/arkansas/title-4/subtitle-1/chapter-4/part-2/section-4-4-215/","https://law.justia.com/codes/arkansas/title-27/subtitle-2/chapter-14/subchapter-9/section-27-14-904/?utm_source=chatgpt.com","https://law.justia.com/codes/arkansas/title-27/subtitle-2/chapter-14/subchapter-9/section-27-14-909/?utm_source=chatgpt.com","https://law.justia.com/codes/arkansas/title-4/subtitle-1/chapter-4/part-2/section-4-4-215/?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_AR-P16-S018","Full literal HTTPS URL":"§§27-14-904,909;4-4-215. https://law.justia.com/codes/arkansas/title-27/subtitle-2/chapter-14/subchapter-9/section-27-14-904/ ; https://law.justia.com/codes/arkansas/title-27/subtitle-2/chapter-14/subchapter-9/section-27-14-909/ ; https://law.justia.com/codes/arkansas/title-4/subtitle-1/chapter-4/part-2/section-4-4-215/","Actual material read and limits":"M,2025: dealer-title transfer, release/final-payment and material bank finality provisions. §909 penalty text read but not developed as a separate remedy model."},"coordinator_verification_status":"researcher_attributed_unreopened_source_version_application_held","coordinator_review":{"at":"2026-10-29T07:32:08.496846+00:00","identity":"delegated coordinator /root/review_wv1; not independent","evidence_folder":"reviews/S_AR16-primary-20261029-parallel","note":"Original material source/clauses/limits read in the answer and reconciled; no fresh operative-body, complete version or factual application check in this bounded coordinator review.","retained_cites":[],"material_finding_ids":[],"full_currentness_or_application_accepted":false}},{"source_id":"S_AR-P16-S019","urls":["https://law.justia.com/codes/arkansas/title-23/subtitle-4/chapter-112/subchapter-6/section-23-112-602/","https://law.justia.com/codes/arkansas/title-23/subtitle-4/chapter-112/subchapter-6/section-23-112-604/","https://law.justia.com/codes/arkansas/title-23/subtitle-4/chapter-112/subchapter-6/section-23-112-606/","https://law.justia.com/codes/arkansas/title-23/subtitle-4/chapter-112/subchapter-6/section-23-112-602/?utm_source=chatgpt.com","https://law.justia.com/codes/arkansas/title-23/subtitle-4/chapter-112/subchapter-6/section-23-112-604/?utm_source=chatgpt.com","https://law.justia.com/codes/arkansas/title-23/subtitle-4/chapter-112/subchapter-6/section-23-112-606/?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_AR-P16-S019","Full literal HTTPS URL":"§§23-112-602,604,606. https://law.justia.com/codes/arkansas/title-23/subtitle-4/chapter-112/subchapter-6/section-23-112-602/ ; https://law.justia.com/codes/arkansas/title-23/subtitle-4/chapter-112/subchapter-6/section-23-112-604/ ; https://law.justia.com/codes/arkansas/title-23/subtitle-4/chapter-112/subchapter-6/section-23-112-606/","Actual material read and limits":"M,2025: used-dealer definition/exclusions, State Police authority and license requirement. No actual dealer inquiry."},"coordinator_verification_status":"researcher_attributed_unreopened_source_version_application_held","coordinator_review":{"at":"2026-10-29T07:32:08.496846+00:00","identity":"delegated coordinator /root/review_wv1; not independent","evidence_folder":"reviews/S_AR16-primary-20261029-parallel","note":"Original material source/clauses/limits read in the answer and reconciled; no fresh operative-body, complete version or factual application check in this bounded coordinator review.","retained_cites":[],"material_finding_ids":[],"full_currentness_or_application_accepted":false}},{"source_id":"S_AR-P16-S020","urls":["https://codeofarrules.arkansas.gov/Rules/Rule?chapterID=226&levelType=part&partID=1021&sectionID=&subChapterID=277&subPartID=&titleID=27","https://codeofarrules.arkansas.gov/Rules/Rule?chapterID=226&levelType=section&partID=1021&sectionID=25933&subChapterID=277&subPartID=4166&titleID=27","https://codeofarrules.arkansas.gov/Rules/Rule?chapterID=226&levelType=section&partID=1021&sectionID=25934&subChapterID=277&subPartID=4166&titleID=27","https://codeofarrules.arkansas.gov/Rules/Rule?chapterID=226&levelType=section&partID=1021&sectionID=25938&subChapterID=277&subPartID=4166&titleID=27","https://codeofarrules.arkansas.gov/Rules/Rule?chapterID=226&levelType=part&partID=1021&sectionID&subChapterID=277&subPartID&titleID=27&utm_source=chatgpt.com","https://codeofarrules.arkansas.gov/Rules/Rule?chapterID=226&levelType=section&partID=1021&sectionID=25933&subChapterID=277&subPartID=4166&titleID=27&utm_source=chatgpt.com","https://codeofarrules.arkansas.gov/Rules/Rule?chapterID=226&levelType=section&partID=1021&sectionID=25934&subChapterID=277&subPartID=4166&titleID=27&utm_source=chatgpt.com","https://codeofarrules.arkansas.gov/Rules/Rule?chapterID=226&levelType=section&partID=1021&sectionID=25938&subChapterID=277&subPartID=4166&titleID=27&utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_AR-P16-S020","Full literal HTTPS URL":"Official CAR170: https://codeofarrules.arkansas.gov/Rules/Rule?chapterID=226&levelType=part&partID=1021&sectionID=&subChapterID=277&subPartID=&titleID=27 ; §101 https://codeofarrules.arkansas.gov/Rules/Rule?chapterID=226&levelType=section&partID=1021&sectionID=25933&subChapterID=277&subPartID=4166&titleID=27 ; §102 https://codeofarrules.arkansas.gov/Rules/Rule?chapterID=226&levelType=section&partID=1021&sectionID=25934&subChapterID=277&subPartID=4166&titleID=27 ; §106 https://codeofarrules.arkansas.gov/Rules/Rule?chapterID=226&levelType=section&partID=1021&sectionID=25938&subChapterID=277&subPartID=4166&titleID=27","Actual material read and limits":"P/G: actual scope/exemptions, relevant definitions and licensing/permit body. Codification note references Aug23,2023 pre-codification effectiveness; current posted body and later enactments require full adoption-chain qualification. Footer/update not adoption."},"coordinator_verification_status":"researcher_attributed_unreopened_source_version_application_held","coordinator_review":{"at":"2026-10-29T07:32:08.496846+00:00","identity":"delegated coordinator /root/review_wv1; not independent","evidence_folder":"reviews/S_AR16-primary-20261029-parallel","note":"Original material source/clauses/limits read in the answer and reconciled; no fresh operative-body, complete version or factual application check in this bounded coordinator review.","retained_cites":[],"material_finding_ids":[],"full_currentness_or_application_accepted":false}},{"source_id":"S_AR-P16-S021","urls":["https://law.justia.com/codes/arkansas/title-27/subtitle-4/chapter-50/subchapter-12/section-27-50-1201/","https://law.justia.com/codes/arkansas/title-27/subtitle-4/chapter-50/subchapter-12/section-27-50-1202/","https://law.justia.com/codes/arkansas/title-27/subtitle-4/chapter-50/subchapter-12/section-27-50-1208/","https://law.justia.com/codes/arkansas/title-27/subtitle-4/chapter-50/subchapter-12/section-27-50-1201/?utm_source=chatgpt.com","https://law.justia.com/codes/arkansas/title-27/subtitle-4/chapter-50/subchapter-12/section-27-50-1202/?utm_source=chatgpt.com","https://law.justia.com/codes/arkansas/title-27/subtitle-4/chapter-50/subchapter-12/section-27-50-1208/?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_AR-P16-S021","Full literal HTTPS URL":"§§27-50-1201,1202,1208. https://law.justia.com/codes/arkansas/title-27/subtitle-4/chapter-50/subchapter-12/section-27-50-1201/ ; https://law.justia.com/codes/arkansas/title-27/subtitle-4/chapter-50/subchapter-12/section-27-50-1202/ ; https://law.justia.com/codes/arkansas/title-27/subtitle-4/chapter-50/subchapter-12/section-27-50-1208/","Actual material read and limits":"M,2025: scope, relevant towing/repo definitions and material personal-content/possessory-lien provisions. Not a full abandoned-vehicle sale report."},"coordinator_verification_status":"researcher_attributed_unreopened_source_version_application_held","coordinator_review":{"at":"2026-10-29T07:32:08.496846+00:00","identity":"delegated coordinator /root/review_wv1; not independent","evidence_folder":"reviews/S_AR16-primary-20261029-parallel","note":"Original material source/clauses/limits read in the answer and reconciled; no fresh operative-body, complete version or factual application check in this bounded coordinator review.","retained_cites":[],"material_finding_ids":[],"full_currentness_or_application_accepted":false}},{"source_id":"S_AR-P16-S022","urls":["https://arkleg.state.ar.us/Home/FTPDocument?path=%2FACTS%2F2025R%2FPublic%2FACT932.pdf","https://arkleg.state.ar.us/Home/FTPDocument?path=%2FACTS%2F2025R%2FPublic%2FACT932.pdf&utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_AR-P16-S022","Full literal HTTPS URL":"Act932/2025. https://arkleg.state.ar.us/Home/FTPDocument?path=%2FACTS%2F2025R%2FPublic%2FACT932.pdf","Actual material read and limits":"P: §§2,4,8; content provisions printed4–5/PDF3–4, emergency printed7–8/PDF6–7. Images PDF3,7 inspected. Approved/effective under emergency clause Apr21,2025; particular future instruction date not generalized."},"coordinator_verification_status":"researcher_attributed_unreopened_source_version_application_held","coordinator_review":{"at":"2026-10-29T07:32:08.496846+00:00","identity":"delegated coordinator /root/review_wv1; not independent","evidence_folder":"reviews/S_AR16-primary-20261029-parallel","note":"Original material source/clauses/limits read in the answer and reconciled; no fresh operative-body, complete version or factual application check in this bounded coordinator review.","retained_cites":[],"material_finding_ids":[],"full_currentness_or_application_accepted":false}},{"source_id":"S_AR-P16-S023","urls":["https://law.justia.com/codes/arkansas/title-18/subtitle-5/chapter-60/subchapter-8/section-18-60-804/","https://law.justia.com/codes/arkansas/title-18/subtitle-5/chapter-60/subchapter-8/section-18-60-805/","https://law.justia.com/codes/arkansas/title-18/subtitle-5/chapter-60/subchapter-8/section-18-60-806/","https://law.justia.com/codes/arkansas/title-18/subtitle-5/chapter-60/subchapter-8/section-18-60-807/","https://law.justia.com/codes/arkansas/title-18/subtitle-5/chapter-60/subchapter-8/section-18-60-808/","https://law.justia.com/codes/arkansas/title-18/subtitle-5/chapter-60/subchapter-8/section-18-60-804/?utm_source=chatgpt.com","https://law.justia.com/codes/arkansas/title-18/subtitle-5/chapter-60/subchapter-8/section-18-60-805/?utm_source=chatgpt.com","https://law.justia.com/codes/arkansas/title-18/subtitle-5/chapter-60/subchapter-8/section-18-60-806/?utm_source=chatgpt.com","https://law.justia.com/codes/arkansas/title-18/subtitle-5/chapter-60/subchapter-8/section-18-60-807/?utm_source=chatgpt.com","https://law.justia.com/codes/arkansas/title-18/subtitle-5/chapter-60/subchapter-8/section-18-60-808/?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_AR-P16-S023","Full literal HTTPS URL":"§§18-60-804–808. https://law.justia.com/codes/arkansas/title-18/subtitle-5/chapter-60/subchapter-8/section-18-60-804/ ; https://law.justia.com/codes/arkansas/title-18/subtitle-5/chapter-60/subchapter-8/section-18-60-805/ ; https://law.justia.com/codes/arkansas/title-18/subtitle-5/chapter-60/subchapter-8/section-18-60-806/ ; https://law.justia.com/codes/arkansas/title-18/subtitle-5/chapter-60/subchapter-8/section-18-60-807/ ; https://law.justia.com/codes/arkansas/title-18/subtitle-5/chapter-60/subchapter-8/section-18-60-808/","Actual material read and limits":"M,2025: petition, notice, prima facie hearing, emergency and alternative-notice bodies. Complete current rule/adoption integration held."},"coordinator_verification_status":"researcher_attributed_unreopened_source_version_application_held","coordinator_review":{"at":"2026-10-29T07:32:08.496846+00:00","identity":"delegated coordinator /root/review_wv1; not independent","evidence_folder":"reviews/S_AR16-primary-20261029-parallel","note":"Original material source/clauses/limits read in the answer and reconciled; no fresh operative-body, complete version or factual application check in this bounded coordinator review.","retained_cites":[],"material_finding_ids":[],"full_currentness_or_application_accepted":false}},{"source_id":"S_AR-P16-S024","urls":["https://law.justia.com/codes/arkansas/title-18/subtitle-5/chapter-60/subchapter-8/section-18-60-810/","https://law.justia.com/codes/arkansas/title-18/subtitle-5/chapter-60/subchapter-8/section-18-60-811/","https://law.justia.com/codes/arkansas/title-18/subtitle-5/chapter-60/subchapter-8/section-18-60-812/","https://law.justia.com/codes/arkansas/title-18/subtitle-5/chapter-60/subchapter-8/section-18-60-810/?utm_source=chatgpt.com","https://law.justia.com/codes/arkansas/title-18/subtitle-5/chapter-60/subchapter-8/section-18-60-811/?utm_source=chatgpt.com","https://law.justia.com/codes/arkansas/title-18/subtitle-5/chapter-60/subchapter-8/section-18-60-812/?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_AR-P16-S024","Full literal HTTPS URL":"§§18-60-810–812. https://law.justia.com/codes/arkansas/title-18/subtitle-5/chapter-60/subchapter-8/section-18-60-810/ ; https://law.justia.com/codes/arkansas/title-18/subtitle-5/chapter-60/subchapter-8/section-18-60-811/ ; https://law.justia.com/codes/arkansas/title-18/subtitle-5/chapter-60/subchapter-8/section-18-60-812/","Actual material read and limits":"M,2025: affidavit, order and bond conditions. Historical/arrest and limitation language not operationalized or made a separate dossier."},"coordinator_verification_status":"researcher_attributed_unreopened_source_version_application_held","coordinator_review":{"at":"2026-10-29T07:32:08.496846+00:00","identity":"delegated coordinator /root/review_wv1; not independent","evidence_folder":"reviews/S_AR16-primary-20261029-parallel","note":"Original material source/clauses/limits read in the answer and reconciled; no fresh operative-body, complete version or factual application check in this bounded coordinator review.","retained_cites":[],"material_finding_ids":[],"full_currentness_or_application_accepted":false}},{"source_id":"S_AR-P16-S025","urls":["https://uscode.house.gov/us/usc/119-124/t50/s3952/","https://uscode.house.gov/us/usc/119-124/t50/s3918/","https://www.law.cornell.edu/uscode/text/50/3911","https://uscode.house.gov/us/usc/119-124/t50/s3952/?utm_source=chatgpt.com","https://uscode.house.gov/us/usc/119-124/t50/s3918/?utm_source=chatgpt.com","https://www.law.cornell.edu/uscode/text/50/3911?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_AR-P16-S025","Full literal HTTPS URL":"OLRC §§3952,3918 and reproduced3911. https://uscode.house.gov/us/usc/119-124/t50/s3952/ ; https://uscode.house.gov/us/usc/119-124/t50/s3918/ ; https://www.law.cornell.edu/uscode/text/50/3911","Actual material read and limits":"P/R: material SCRA purchase/installment repossession and waiver bodies; relevant definitions. Official pages through PL119-124, Oct15,2026. Linked military-order/Title10/32 definitions not fully investigated."},"coordinator_verification_status":"selected_official_federal_body_checked_definitions_application_held","coordinator_review":{"at":"2026-10-29T07:32:08.496846+00:00","identity":"delegated coordinator /root/review_wv1; not independent","evidence_folder":"reviews/S_AR16-primary-20261029-parallel","note":"3952/3918 operative bodies, displayed throughPL119-124Oct15;3911 official failures/Cornell definition and linked coverage remain unreopened.","retained_cites":["turn2972view2","turn2972view3"],"material_finding_ids":[],"full_currentness_or_application_accepted":false}},{"source_id":"S_AR-P16-S026","urls":["https://uscode.house.gov/us/usc/119-124/t11/s362/","https://uscode.house.gov/us/usc/119-124/t11/s362/?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_AR-P16-S026","Full literal HTTPS URL":"OLRC, 11USC362. https://uscode.house.gov/us/usc/119-124/t11/s362/","Actual material read and limits":"P: (a)(3)–(6), material (c), (d), (h), related limits read. Same displayed currency. Full bankruptcy, turnover, redemption and discharge law deferred."},"coordinator_verification_status":"researcher_attributed_unreopened_source_version_application_held","coordinator_review":{"at":"2026-10-29T07:32:08.496846+00:00","identity":"delegated coordinator /root/review_wv1; not independent","evidence_folder":"reviews/S_AR16-primary-20261029-parallel","note":"Original material source/clauses/limits read in the answer and reconciled; no fresh operative-body, complete version or factual application check in this bounded coordinator review.","retained_cites":[],"material_finding_ids":[],"full_currentness_or_application_accepted":false}},{"source_id":"S_AR-P16-S027","urls":["https://www.courtrules.net/arkansas/arkansas-supreme-court/rule-5-2","https://www.courtrules.net/arkansas/arkansas-supreme-court/rule-5-2?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_AR-P16-S027","Full literal HTTPS URL":"Arkansas Supreme Court/Court of Appeals Rule5-2. https://www.courtrules.net/arkansas/arkansas-supreme-court/rule-5-2","Actual material read and limits":"R: publication/citation text, including pre-July1,2009 unpublished restriction. Complete official adoption chain held."},"coordinator_verification_status":"researcher_attributed_unreopened_source_version_application_held","coordinator_review":{"at":"2026-10-29T07:32:08.496846+00:00","identity":"delegated coordinator /root/review_wv1; not independent","evidence_folder":"reviews/S_AR16-primary-20261029-parallel","note":"Original material source/clauses/limits read in the answer and reconciled; no fresh operative-body, complete version or factual application check in this bounded coordinator review.","retained_cites":[],"material_finding_ids":[],"full_currentness_or_application_accepted":false}},{"source_id":"S_AR-P16-S028","urls":["https://law.justia.com/cases/arkansas/supreme-court/2010/45302.html","https://cases.justia.com/arkansas/supreme-court/45302.pdf?ts=1462299958","https://law.justia.com/cases/arkansas/supreme-court/2010/45302.html?utm_source=chatgpt.com","https://cases.justia.com/arkansas/supreme-court/45302.pdf?ts=1462299958&utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_AR-P16-S028","Court/title/full literal HTTPS URL":"Minor, 2010 Ark.246. https://law.justia.com/cases/arkansas/supreme-court/2010/45302.html ; PDF https://cases.justia.com/arkansas/supreme-court/45302.pdf?ts=1462299958","Actual material read and pinpoint":"R: material majority, especially printed9–13/PDF8–12; images printed1/PDF0 and12/PDF11. Actual opinion date May20,2010. Concurrence identified; quoted other-state cases not freshly read."},"coordinator_verification_status":"literal_PDF_access_failed_no_workaround","coordinator_review":{"at":"2026-10-29T07:32:08.496846+00:00","identity":"delegated coordinator /root/review_wv1; not independent","evidence_folder":"reviews/S_AR16-primary-20261029-parallel","note":"Minor PDF returned not-accessible; HTML not substituted. Actual date/holding remain researcher-attributed.","retained_cites":["turn2970view3"],"material_finding_ids":[],"full_currentness_or_application_accepted":false}},{"source_id":"S_AR-P16-S029","urls":["https://law.justia.com/cases/arkansas/supreme-court/1993/92-982-0.html","https://law.justia.com/cases/arkansas/supreme-court/1993/92-982-0.html?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_AR-P16-S029","Court/title/full literal HTTPS URL":"Morgan. https://law.justia.com/cases/arkansas/supreme-court/1993/92-982-0.html","Actual material read and pinpoint":"R: majority and rehearing’s material course-of-dealing/preservation/fee discussion, 850S.W.2d299–301. March1,1993; rehearing Apr5."},"coordinator_verification_status":"researcher_attributed_unreopened_source_version_application_held","coordinator_review":{"at":"2026-10-29T07:32:08.496846+00:00","identity":"delegated coordinator /root/review_wv1; not independent","evidence_folder":"reviews/S_AR16-primary-20261029-parallel","note":"Original material source/clauses/limits read in the answer and reconciled; no fresh operative-body, complete version or factual application check in this bounded coordinator review.","retained_cites":[],"material_finding_ids":[],"full_currentness_or_application_accepted":false}},{"source_id":"S_AR-P16-S030","urls":["https://law.justia.com/cases/arkansas/supreme-court/1961/5-2278-0.html","https://law.justia.com/cases/arkansas/supreme-court/1961/5-2278-0.html?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_AR-P16-S030","Court/title/full literal HTTPS URL":"Brewer. https://law.justia.com/cases/arkansas/supreme-court/1961/5-2278-0.html","Actual material read and pinpoint":"R: actual majority 341S.W.2d766–768, force/confrontation and affirmance. January9,1961."},"coordinator_verification_status":"researcher_attributed_unreopened_source_version_application_held","coordinator_review":{"at":"2026-10-29T07:32:08.496846+00:00","identity":"delegated coordinator /root/review_wv1; not independent","evidence_folder":"reviews/S_AR16-primary-20261029-parallel","note":"Original material source/clauses/limits read in the answer and reconciled; no fresh operative-body, complete version or factual application check in this bounded coordinator review.","retained_cites":[],"material_finding_ids":[],"full_currentness_or_application_accepted":false}},{"source_id":"S_AR-P16-S031","urls":["https://law.justia.com/cases/arkansas/supreme-court/1979/79-251-0.html","https://law.justia.com/cases/arkansas/supreme-court/1979/79-251-0.html?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_AR-P16-S031","Court/title/full literal HTTPS URL":"Herring. https://law.justia.com/cases/arkansas/supreme-court/1979/79-251-0.html","Actual material read and pinpoint":"R: material majority 589S.W.2d586–588, vehicle/belongings, instructions/proof and remand. November26,1979."},"coordinator_verification_status":"researcher_attributed_unreopened_source_version_application_held","coordinator_review":{"at":"2026-10-29T07:32:08.496846+00:00","identity":"delegated coordinator /root/review_wv1; not independent","evidence_folder":"reviews/S_AR16-primary-20261029-parallel","note":"Original material source/clauses/limits read in the answer and reconciled; no fresh operative-body, complete version or factual application check in this bounded coordinator review.","retained_cites":[],"material_finding_ids":[],"full_currentness_or_application_accepted":false}},{"source_id":"S_AR-P16-S032","urls":["https://law.justia.com/cases/arkansas/supreme-court/1986/85-307-0.html","https://law.justia.com/cases/arkansas/supreme-court/1986/85-307-0.html?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_AR-P16-S032","Court/title/full literal HTTPS URL":"Baldwin. https://law.justia.com/cases/arkansas/supreme-court/1986/85-307-0.html","Actual material read and pinpoint":"R: majority 709S.W.2d91–92, open-driveway and personal-property distinctions. May19,1986."},"coordinator_verification_status":"researcher_attributed_unreopened_source_version_application_held","coordinator_review":{"at":"2026-10-29T07:32:08.496846+00:00","identity":"delegated coordinator /root/review_wv1; not independent","evidence_folder":"reviews/S_AR16-primary-20261029-parallel","note":"Original material source/clauses/limits read in the answer and reconciled; no fresh operative-body, complete version or factual application check in this bounded coordinator review.","retained_cites":[],"material_finding_ids":[],"full_currentness_or_application_accepted":false}},{"source_id":"S_AR-P16-S033","urls":["https://law.justia.com/cases/federal/appellate-courts/F2/674/717/104557/","https://law.justia.com/cases/federal/appellate-courts/F2/674/717/104557/?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_AR-P16-S033","Court/title/full literal HTTPS URL":"Eighth Circuit, Williams. https://law.justia.com/cases/federal/appellate-courts/F2/674/717/104557/","Actual material read and pinpoint":"R: majority 674F.2d718–721, actual taking and judgment disposition. March31,1982; Heaney dissent identified, not merged with majority."},"coordinator_verification_status":"researcher_attributed_unreopened_source_version_application_held","coordinator_review":{"at":"2026-10-29T07:32:08.496846+00:00","identity":"delegated coordinator /root/review_wv1; not independent","evidence_folder":"reviews/S_AR16-primary-20261029-parallel","note":"Original material source/clauses/limits read in the answer and reconciled; no fresh operative-body, complete version or factual application check in this bounded coordinator review.","retained_cites":[],"material_finding_ids":[],"full_currentness_or_application_accepted":false}},{"source_id":"S_AR-P16-S034","urls":["https://law.justia.com/cases/arkansas/supreme-court/1987/86-119-0.html","https://law.justia.com/cases/arkansas/supreme-court/1987/86-119-0.html?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_AR-P16-S034","Court/title/full literal HTTPS URL":"Hallett. https://law.justia.com/cases/arkansas/supreme-court/1987/86-119-0.html","Actual material read and pinpoint":"R: majority 722S.W.2d556–557, no-notice deficiency consequence. January20,1987; separate dissent identified."},"coordinator_verification_status":"reproduced_majority_and_dissent_read_historical_currentness_held","coordinator_review":{"at":"2026-10-29T07:32:08.496846+00:00","identity":"delegated coordinator /root/review_wv1; not independent","evidence_folder":"reviews/S_AR16-primary-20261029-parallel","note":"Hallett majority64–91 and dissent95–107 read; former§85-9-504, no complete current consumer application or quoted underlyingcase read.","retained_cites":["turn2971view3","turn2974view1"],"material_finding_ids":[],"full_currentness_or_application_accepted":false}},{"source_id":"S_AR-P16-S035","urls":["https://law.justia.com/cases/arkansas/court-of-appeals/2005/ca04-984.html","https://law.justia.com/cases/arkansas/court-of-appeals/2005/ca04-984.html?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_AR-P16-S035","Court/title/full literal HTTPS URL":"Greenlee. https://law.justia.com/cases/arkansas/court-of-appeals/2005/ca04-984.html","Actual material read and pinpoint":"R: complete material majority from judge’s opening through disposition and footnote2. September28,2005. Unnumbered HTML; no PDF index invented. Notice-address argument not decided."},"coordinator_verification_status":"reproduced_complete_material_majority_and_footnote_read_currentness_held","coordinator_review":{"at":"2026-10-29T07:32:08.496846+00:00","identity":"delegated coordinator /root/review_wv1; not independent","evidence_folder":"reviews/S_AR16-primary-20261029-parallel","note":"Greenlee62–107 complete materialmajority, reversal on saleproof, noticeissue unaddressed, footnote2transition; underlying opinions not freshly read.","retained_cites":["turn2971view2","turn2974view0"],"material_finding_ids":[],"full_currentness_or_application_accepted":false}},{"source_id":"S_AR-P16-S036","urls":["https://law.justia.com/cases/arkansas/supreme-court/1984/84-46-0.html","https://law.justia.com/cases/arkansas/supreme-court/1984/84-46-0.html?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_AR-P16-S036","Court/title/full literal HTTPS URL":"Thrower. https://law.justia.com/cases/arkansas/supreme-court/1984/84-46-0.html","Actual material read and pinpoint":"R: majority 670S.W.2d431–433, trade-in valuation and remand; material dissent distinguished. June4,1984."},"coordinator_verification_status":"researcher_attributed_unreopened_source_version_application_held","coordinator_review":{"at":"2026-10-29T07:32:08.496846+00:00","identity":"delegated coordinator /root/review_wv1; not independent","evidence_folder":"reviews/S_AR16-primary-20261029-parallel","note":"Original material source/clauses/limits read in the answer and reconciled; no fresh operative-body, complete version or factual application check in this bounded coordinator review.","retained_cites":[],"material_finding_ids":[],"full_currentness_or_application_accepted":false}},{"source_id":"S_AR-P16-S037","urls":["https://law.justia.com/cases/arkansas/court-of-appeals/1993/ca-92-1010-2.html","https://law.justia.com/cases/arkansas/court-of-appeals/1993/ca-92-1010-2.html?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_AR-P16-S037","Court/title/full literal HTTPS URL":"Beard. https://law.justia.com/cases/arkansas/court-of-appeals/1993/ca-92-1010-2.html","Actual material read and pinpoint":"R: material majority 850S.W.2d28–30, private auction, notice, condition/promptness and affirmance. March31,1993. Broader records analysis not reused from prior pass."},"coordinator_verification_status":"researcher_attributed_unreopened_source_version_application_held","coordinator_review":{"at":"2026-10-29T07:32:08.496846+00:00","identity":"delegated coordinator /root/review_wv1; not independent","evidence_folder":"reviews/S_AR16-primary-20261029-parallel","note":"Original material source/clauses/limits read in the answer and reconciled; no fresh operative-body, complete version or factual application check in this bounded coordinator review.","retained_cites":[],"material_finding_ids":[],"full_currentness_or_application_accepted":false}},{"source_id":"S_AR-P16-S038","urls":["https://law.justia.com/cases/arkansas/court-of-appeals/1997/ca97-76.html","https://caselaw.findlaw.com/ar-court-of-appeals/1012789.html","https://law.justia.com/cases/arkansas/court-of-appeals/1997/ca97-76.html?utm_source=chatgpt.com","https://caselaw.findlaw.com/ar-court-of-appeals/1012789.html?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_AR-P16-S038","Court/title/full literal HTTPS URL":"Prince. https://law.justia.com/cases/arkansas/court-of-appeals/1997/ca97-76.html ; comparison body https://caselaw.findlaw.com/ar-court-of-appeals/1012789.html","Actual material read and pinpoint":"R: actual majority beginning with Judge Roaf’s opinion through “Affirmed,” especially sale evidence and final proof discussion. October1,1997. No publisher headnote treated as holding; no PDF index asserted."},"coordinator_verification_status":"researcher_attributed_unreopened_source_version_application_held","coordinator_review":{"at":"2026-10-29T07:32:08.496846+00:00","identity":"delegated coordinator /root/review_wv1; not independent","evidence_folder":"reviews/S_AR16-primary-20261029-parallel","note":"Original material source/clauses/limits read in the answer and reconciled; no fresh operative-body, complete version or factual application check in this bounded coordinator review.","retained_cites":[],"material_finding_ids":[],"full_currentness_or_application_accepted":false}},{"source_id":"S_AR-P16-S039","urls":["https://ecf.ca8.uscourts.gov/opndir/25/09/242120P.pdf","https://ecf.ca8.uscourts.gov/opndir/25/09/242120P.pdf?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_AR-P16-S039","Court/title/full literal HTTPS URL":"Eighth Circuit, Thompson v. Cockrell, No.24-2120. https://ecf.ca8.uscourts.gov/opndir/25/09/242120P.pdf","Actual material read and pinpoint":"P: material majority §§II.1–3 and disposition, printed5–10/PDF4–9, conclusion12/PDF11. Images printed9–10/PDF8–9 inspected. Filed September17,2025. Sanctions issue not adopted as repossession law."},"coordinator_verification_status":"initial_metadata_background_only_then_body_failed","coordinator_review":{"at":"2026-10-29T07:32:08.496846+00:00","identity":"delegated coordinator /root/review_wv1; not independent","evidence_folder":"reviews/S_AR16-primary-20261029-parallel","note":"Thompson0–51 supports date and qualified-immunity opening only; requested body failed UnexpectedStatusCode. No later merits body or complete opinion verified.","retained_cites":["turn2970view6","turn2971view4"],"material_finding_ids":[],"full_currentness_or_application_accepted":false}}],"coverage":[{"topic":"K01","researcher_record":{"Row":"K01","Requested issue":"Article9 scope","Resolved portion / claims":"Material scope and consumer-law preservation; C001","Exact missing evidence or next action":"Current complete official chain and actual transaction."},"raw_table":21,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T07:32:08.496846+00:00","identity":"delegated coordinator /root/review_wv1; not independent","all_original_missing_evidence_retained":true,"finding_ids":[],"state_parent_application_accepted":false}},{"topic":"K02","researcher_record":{"Row":"K02","Requested issue":"Consumer classifications","Resolved portion / claims":"Separate purpose tests; C002","Exact missing evidence or next action":"Actual vehicle use and obligation purpose."},"raw_table":21,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T07:32:08.496846+00:00","identity":"delegated coordinator /root/review_wv1; not independent","all_original_missing_evidence_retained":true,"finding_ids":[],"state_parent_application_accepted":false}},{"topic":"K03","researcher_record":{"Row":"K03","Requested issue":"Debtor/obligor/secondary","Resolved portion / claims":"Defined roles; C003–C005","Exact missing evidence or next action":"Actual ownership, liability and authority."},"raw_table":21,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T07:32:08.496846+00:00","identity":"delegated coordinator /root/review_wv1; not independent","all_original_missing_evidence_retained":true,"finding_ids":[],"state_parent_application_accepted":false}},{"topic":"K04","researcher_record":{"Row":"K04","Requested issue":"Lease/title retention","Resolved portion / claims":"Substance tests; C006–C007","Exact missing evidence or next action":"Actual agreement, economics and termination rights."},"raw_table":21,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T07:32:08.496846+00:00","identity":"delegated coordinator /root/review_wv1; not independent","all_original_missing_evidence_retained":true,"finding_ids":[],"state_parent_application_accepted":false}},{"topic":"K05","researcher_record":{"Row":"K05","Requested issue":"PMSI/refinance/cross-collateral","Resolved portion / claims":"Consumer limitations identified; C008–C010","Exact missing evidence or next action":"Tracing, contract and responsive consumer construction."},"raw_table":21,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T07:32:08.496846+00:00","identity":"delegated coordinator /root/review_wv1; not independent","all_original_missing_evidence_retained":true,"finding_ids":[],"state_parent_application_accepted":false}},{"topic":"K06","researcher_record":{"Row":"K06","Requested issue":"Attachment","Resolved portion / claims":"Material conditions; C011–C012","Exact missing evidence or next action":"Actual signed agreement/value/rights."},"raw_table":21,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T07:32:08.496846+00:00","identity":"delegated coordinator /root/review_wv1; not independent","all_original_missing_evidence_retained":true,"finding_ids":[],"state_parent_application_accepted":false}},{"topic":"K07","researcher_record":{"Row":"K07","Requested issue":"Perfection/title/priority","Resolved portion / claims":"Necessary title provisions read; C013–C015","Exact missing evidence or next action":"Actual title, competing interests and conditional implementation."},"raw_table":21,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T07:32:08.496846+00:00","identity":"delegated coordinator /root/review_wv1; not independent","all_original_missing_evidence_retained":true,"finding_ids":["S_AR-P16-Q001"],"state_parent_application_accepted":false}},{"topic":"K08","researcher_record":{"Row":"K08","Requested issue":"Relevant licensing","Resolved portion / claims":"Tow/dealer gates; C016–C018","Exact missing evidence or next action":"Actual credential/exemption; non-towing/new-dealer/finance regimes."},"raw_table":21,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T07:32:08.496846+00:00","identity":"delegated coordinator /root/review_wv1; not independent","all_original_missing_evidence_retained":true,"finding_ids":[],"state_parent_application_accepted":false}},{"topic":"K09","researcher_record":{"Row":"K09","Requested issue":"Default/cure","Resolved portion / claims":"Contract and bounded no-universal-period finding","Exact missing evidence or next action":"Actual default, cure provision and special law."},"raw_table":21,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T07:32:08.496846+00:00","identity":"delegated coordinator /root/review_wv1; not independent","all_original_missing_evidence_retained":true,"finding_ids":[],"state_parent_application_accepted":false}},{"topic":"K10","researcher_record":{"Row":"K10","Requested issue":"Course of dealing","Resolved portion / claims":"Morgan/Minor distinguished","Exact missing evidence or next action":"Actual clauses, conduct, notices and preservation."},"raw_table":21,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T07:32:08.496846+00:00","identity":"delegated coordinator /root/review_wv1; not independent","all_original_missing_evidence_retained":true,"finding_ids":[],"state_parent_application_accepted":false}},{"topic":"K11","researcher_record":{"Row":"K11","Requested issue":"Peaceful possession","Resolved portion / claims":"Statute and fact-specific cases","Exact missing evidence or next action":"Actual conduct, objection, entry and consent."},"raw_table":21,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T07:32:08.496846+00:00","identity":"delegated coordinator /root/review_wv1; not independent","all_original_missing_evidence_retained":true,"finding_ids":[],"state_parent_application_accepted":false}},{"topic":"K12","researcher_record":{"Row":"K12","Requested issue":"Police/locked premises","Resolved portion / claims":"Federal boundary and state-law hold","Exact missing evidence or next action":"Actual aid, coercion, premises and applicable law."},"raw_table":21,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T07:32:08.496846+00:00","identity":"delegated coordinator /root/review_wv1; not independent","all_original_missing_evidence_retained":true,"finding_ids":[],"state_parent_application_accepted":false}},{"topic":"K13","researcher_record":{"Row":"K13","Requested issue":"Belongings/care","Resolved portion / claims":"Separate noncollateral and care duties","Exact missing evidence or next action":"Inventory, ownership, custody, demand and lawful return."},"raw_table":21,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T07:32:08.496846+00:00","identity":"delegated coordinator /root/review_wv1; not independent","all_original_missing_evidence_retained":true,"finding_ids":[],"state_parent_application_accepted":false}},{"topic":"K14","researcher_record":{"Row":"K14","Requested issue":"Judicial recovery","Resolved portion / claims":"Material statutory routes read","Exact missing evidence or next action":"Current rules, local forms, notice and order."},"raw_table":21,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T07:32:08.496846+00:00","identity":"delegated coordinator /root/review_wv1; not independent","all_original_missing_evidence_retained":true,"finding_ids":[],"state_parent_application_accepted":false}},{"topic":"K15","researcher_record":{"Row":"K15","Requested issue":"SCRA/bankruptcy","Resolved portion / claims":"Necessary federal barriers read","Exact missing evidence or next action":"Actual service/petition/order and full linked definitions."},"raw_table":21,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T07:32:08.496846+00:00","identity":"delegated coordinator /root/review_wv1; not independent","all_original_missing_evidence_retained":true,"finding_ids":[],"state_parent_application_accepted":false}},{"topic":"K16","researcher_record":{"Row":"K16","Requested issue":"Currentness/transition","Resolved portion / claims":"2001/2026 clauses read","Exact missing evidence or next action":"Complete later enactments and actual proceeding date."},"raw_table":21,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T07:32:08.496846+00:00","identity":"delegated coordinator /root/review_wv1; not independent","all_original_missing_evidence_retained":true,"finding_ids":[],"state_parent_application_accepted":false}},{"topic":"K17","researcher_record":{"Row":"K17","Requested issue":"Notice recipients","Resolved portion / claims":"Debtor/secondary and nonconsumer distinction","Exact missing evidence or next action":"Actual parties and other interest holders."},"raw_table":21,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T07:32:08.496846+00:00","identity":"delegated coordinator /root/review_wv1; not independent","all_original_missing_evidence_retained":true,"finding_ids":[],"state_parent_application_accepted":false}},{"topic":"K18","researcher_record":{"Row":"K18","Requested issue":"Timing/exceptions","Resolved portion / claims":"Consumer reasonableness/nonconsumer safe harbor","Exact missing evidence or next action":"Actual interval, circumstances and exception facts."},"raw_table":21,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T07:32:08.496846+00:00","identity":"delegated coordinator /root/review_wv1; not independent","all_original_missing_evidence_retained":true,"finding_ids":[],"state_parent_application_accepted":false}},{"topic":"K19","researcher_record":{"Row":"K19","Requested issue":"Notice contents/form","Resolved portion / claims":"Current consumer form/instructions read","Exact missing evidence or next action":"Actual completed notice and facts."},"raw_table":21,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T07:32:08.496846+00:00","identity":"delegated coordinator /root/review_wv1; not independent","all_original_missing_evidence_retained":true,"finding_ids":[],"state_parent_application_accepted":false}},{"topic":"K20","researcher_record":{"Row":"K20","Requested issue":"Sending/receipt/waiver","Resolved portion / claims":"Distinctions preserved","Exact missing evidence or next action":"Actual method, destination, signed record and postdefault waiver."},"raw_table":21,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T07:32:08.496846+00:00","identity":"delegated coordinator /root/review_wv1; not independent","all_original_missing_evidence_retained":true,"finding_ids":[],"state_parent_application_accepted":false}},{"topic":"K21","researcher_record":{"Row":"K21","Requested issue":"Public/private sale","Resolved portion / claims":"Beard and statutory distinctions","Exact missing evidence or next action":"Actual market access, time/place and disposition."},"raw_table":21,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T07:32:08.496846+00:00","identity":"delegated coordinator /root/review_wv1; not independent","all_original_missing_evidence_retained":true,"finding_ids":[],"state_parent_application_accepted":false}},{"topic":"K22","researcher_record":{"Row":"K22","Requested issue":"Commercial reasonableness","Resolved portion / claims":"Current text and contrasting cases","Exact missing evidence or next action":"Condition, exposure, timing, buyers and proof."},"raw_table":21,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T07:32:08.496846+00:00","identity":"delegated coordinator /root/review_wv1; not independent","all_original_missing_evidence_retained":true,"finding_ids":[],"state_parent_application_accepted":false}},{"topic":"K23","researcher_record":{"Row":"K23","Requested issue":"Purchaser/title effects","Resolved portion / claims":"§§617/619 read","Exact missing evidence or next action":"Actual good faith, priorities and transfer process."},"raw_table":21,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T07:32:08.496846+00:00","identity":"delegated coordinator /root/review_wv1; not independent","all_original_missing_evidence_retained":true,"finding_ids":[],"state_parent_application_accepted":false}},{"topic":"K24","researcher_record":{"Row":"K24","Requested issue":"Redemption/reinstatement","Resolved portion / claims":"Amount/cutoffs separated","Exact missing evidence or next action":"Actual tender, secured sum and reinstatement right."},"raw_table":21,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T07:32:08.496846+00:00","identity":"delegated coordinator /root/review_wv1; not independent","all_original_missing_evidence_retained":true,"finding_ids":[],"state_parent_application_accepted":false}},{"topic":"K25","researcher_record":{"Row":"K25","Requested issue":"Acceptance/objections","Resolved portion / claims":"Current conditions and recipients","Exact missing evidence or next action":"Actual consent, proposal, objection and possession."},"raw_table":21,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T07:32:08.496846+00:00","identity":"delegated coordinator /root/review_wv1; not independent","all_original_missing_evidence_retained":true,"finding_ids":[],"state_parent_application_accepted":false}},{"topic":"K26","researcher_record":{"Row":"K26","Requested issue":"Mandatory sale","Resolved portion / claims":"60% bases/90days/waiver read","Exact missing evidence or next action":"Actual payments, original base and postdefault agreements."},"raw_table":21,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T07:32:08.496846+00:00","identity":"delegated coordinator /root/review_wv1; not independent","all_original_missing_evidence_retained":true,"finding_ids":[],"state_parent_application_accepted":false}},{"topic":"K27","researcher_record":{"Row":"K27","Requested issue":"Proceeds/expenses/priorities","Resolved portion / claims":"§615 ordering","Exact missing evidence or next action":"Actual gross receipts, costs and competing claims."},"raw_table":21,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T07:32:08.496846+00:00","identity":"delegated coordinator /root/review_wv1; not independent","all_original_missing_evidence_retained":true,"finding_ids":[],"state_parent_application_accepted":false}},{"topic":"K28","researcher_record":{"Row":"K28","Requested issue":"Refunds/GAP/credits","Resolved portion / claims":"Known-entitlement distinction","Exact missing evidence or next action":"Contract/statute and actual refund or credit evidence."},"raw_table":21,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T07:32:08.496846+00:00","identity":"delegated coordinator /root/review_wv1; not independent","all_original_missing_evidence_retained":true,"finding_ids":[],"state_parent_application_accepted":false}},{"topic":"K29","researcher_record":{"Row":"K29","Requested issue":"Explanation","Resolved portion / claims":"Content/timing/copy rules","Exact missing evidence or next action":"Actual request, sending, calculations and waiver."},"raw_table":21,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T07:32:08.496846+00:00","identity":"delegated coordinator /root/review_wv1; not independent","all_original_missing_evidence_retained":true,"finding_ids":[],"state_parent_application_accepted":false}},{"topic":"K30","researcher_record":{"Row":"K30","Requested issue":"Consumer deficiency","Resolved portion / claims":"§626 and historical cases compared","Exact missing evidence or next action":"Current controlling application to exact noncompliance."},"raw_table":21,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T07:32:08.496846+00:00","identity":"delegated coordinator /root/review_wv1; not independent","all_original_missing_evidence_retained":true,"finding_ids":[],"state_parent_application_accepted":false}},{"topic":"K31","researcher_record":{"Row":"K31","Requested issue":"Remedies","Resolved portion / claims":"Bases, limits and no stacking","Exact missing evidence or next action":"Actual causation, status, defense and judicial award."},"raw_table":21,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T07:32:08.496846+00:00","identity":"delegated coordinator /root/review_wv1; not independent","all_original_missing_evidence_retained":true,"finding_ids":[],"state_parent_application_accepted":false}},{"topic":"K32","researcher_record":{"Row":"K32","Requested issue":"Forms/title release","Resolved portion / claims":"Statutory forms read; DFA form blocked","Exact missing evidence or next action":"Current accepted title instrument, final payment and local procedure."},"raw_table":21,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T07:32:08.496846+00:00","identity":"delegated coordinator /root/review_wv1; not independent","all_original_missing_evidence_retained":true,"finding_ids":["S_AR-P16-Q001"],"state_parent_application_accepted":false}},{"topic":"W01","researcher_record":{"Row":"W01","Actor/event":"Transaction originates","Supported inquiry":"Classify purpose, security and actor.","Remaining evidence":"Actual contract and status."},"raw_table":22,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T07:32:08.496846+00:00","identity":"delegated coordinator /root/review_wv1; not independent","all_original_missing_evidence_retained":true,"finding_ids":[],"state_parent_application_accepted":false}},{"topic":"W02","researcher_record":{"Row":"W02","Actor/event":"Rights transfer","Supported inquiry":"Establish assigned security and authority.","Remaining evidence":"Actual transfer chain and scope."},"raw_table":22,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T07:32:08.496846+00:00","identity":"delegated coordinator /root/review_wv1; not independent","all_original_missing_evidence_retained":true,"finding_ids":[],"state_parent_application_accepted":false}},{"topic":"W03","researcher_record":{"Row":"W03","Actor/event":"Default alleged","Supported inquiry":"Verify event, credits and contract conditions.","Remaining evidence":"Actual payment and notice history."},"raw_table":22,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T07:32:08.496846+00:00","identity":"delegated coordinator /root/review_wv1; not independent","all_original_missing_evidence_retained":true,"finding_ids":[],"state_parent_application_accepted":false}},{"topic":"W04","researcher_record":{"Row":"W04","Actor/event":"Recovery selected","Supported inquiry":"Distinguish judicial and peaceful self-help.","Remaining evidence":"Actual authority and applicable process."},"raw_table":22,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T07:32:08.496846+00:00","identity":"delegated coordinator /root/review_wv1; not independent","all_original_missing_evidence_retained":true,"finding_ids":[],"state_parent_application_accepted":false}},{"topic":"W05","researcher_record":{"Row":"W05","Actor/event":"Vehicle taken","Supported inquiry":"Preserve care and separate belongings.","Remaining evidence":"Actual conduct/inventory/custody."},"raw_table":22,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T07:32:08.496846+00:00","identity":"delegated coordinator /root/review_wv1; not independent","all_original_missing_evidence_retained":true,"finding_ids":[],"state_parent_application_accepted":false}},{"topic":"W06","researcher_record":{"Row":"W06","Actor/event":"Post-possession option chosen","Supported inquiry":"Redemption, reinstatement, sale or acceptance.","Remaining evidence":"Actual rights, amount and conditions."},"raw_table":22,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T07:32:08.496846+00:00","identity":"delegated coordinator /root/review_wv1; not independent","all_original_missing_evidence_retained":true,"finding_ids":[],"state_parent_application_accepted":false}},{"topic":"W07","researcher_record":{"Row":"W07","Actor/event":"Disposition notice sent","Supported inquiry":"Correct recipients, content, timing and method.","Remaining evidence":"Actual signed record and destination."},"raw_table":22,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T07:32:08.496846+00:00","identity":"delegated coordinator /root/review_wv1; not independent","all_original_missing_evidence_retained":true,"finding_ids":[],"state_parent_application_accepted":false}},{"topic":"W08","researcher_record":{"Row":"W08","Actor/event":"Sale conducted","Supported inquiry":"Commercial reasonableness and buyer restrictions.","Remaining evidence":"Actual sale file and proceeds."},"raw_table":22,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T07:32:08.496846+00:00","identity":"delegated coordinator /root/review_wv1; not independent","all_original_missing_evidence_retained":true,"finding_ids":[],"state_parent_application_accepted":false}},{"topic":"W09","researcher_record":{"Row":"W09","Actor/event":"Funds applied","Supported inquiry":"Proper expenses, secured debt and priority.","Remaining evidence":"Actual ledger and legal authorization."},"raw_table":22,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T07:32:08.496846+00:00","identity":"delegated coordinator /root/review_wv1; not independent","all_original_missing_evidence_retained":true,"finding_ids":[],"state_parent_application_accepted":false}},{"topic":"W10","researcher_record":{"Row":"W10","Actor/event":"Explanation requested/demand made","Supported inquiry":"§616 event and response.","Remaining evidence":"Actual receipt, content and delivery."},"raw_table":22,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T07:32:08.496846+00:00","identity":"delegated coordinator /root/review_wv1; not independent","all_original_missing_evidence_retained":true,"finding_ids":[],"state_parent_application_accepted":false}},{"topic":"W11","researcher_record":{"Row":"W11","Actor/event":"Deficiency/remedy disputed","Supported inquiry":"Consumer rule, proof, causation and defenses.","Remaining evidence":"Actual evidence and judicial construction."},"raw_table":22,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T07:32:08.496846+00:00","identity":"delegated coordinator /root/review_wv1; not independent","all_original_missing_evidence_retained":true,"finding_ids":[],"state_parent_application_accepted":false}},{"topic":"W12","researcher_record":{"Row":"W12","Actor/event":"Title/obligation resolved","Supported inquiry":"Separate record transfer, release and cash satisfaction.","Remaining evidence":"Actual final payment, instrument and administrative steps."},"raw_table":22,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T07:32:08.496846+00:00","identity":"delegated coordinator /root/review_wv1; not independent","all_original_missing_evidence_retained":true,"finding_ids":[],"state_parent_application_accepted":false}},{"topic":"Q01","researcher_record":{"Row":"Q01","Source issue":"Revised Article9","Status":"Official2001 act and mirrors","Exact next authority":"Complete current integrated official text."},"raw_table":23,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T07:32:08.496846+00:00","identity":"delegated coordinator /root/review_wv1; not independent","all_original_missing_evidence_retained":true,"finding_ids":[],"state_parent_application_accepted":false}},{"topic":"Q02","researcher_record":{"Row":"Q02","Source issue":"2026 amendments","Status":"Material Act997 text/redlines/transition read","Exact next authority":"Any later amendment and actual transition application."},"raw_table":23,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T07:32:08.496846+00:00","identity":"delegated coordinator /root/review_wv1; not independent","all_original_missing_evidence_retained":true,"finding_ids":[],"state_parent_application_accepted":false}},{"topic":"Q03","researcher_record":{"Row":"Q03","Source issue":"Title system","Status":"Act926 conditional clause read","Exact next authority":"Official certification and operative implementing rules."},"raw_table":23,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T07:32:08.496846+00:00","identity":"delegated coordinator /root/review_wv1; not independent","all_original_missing_evidence_retained":true,"finding_ids":["S_AR-P16-Q001"],"state_parent_application_accepted":false}},{"topic":"Q04","researcher_record":{"Row":"Q04","Source issue":"Towing rule","Status":"Current official CAR body and codification note","Exact next authority":"Signed adoption/filing and full later-amendment chain."},"raw_table":23,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T07:32:08.496846+00:00","identity":"delegated coordinator /root/review_wv1; not independent","all_original_missing_evidence_retained":true,"finding_ids":[],"state_parent_application_accepted":false}},{"topic":"Q05","researcher_record":{"Row":"Q05","Source issue":"Dealer/finance regulation","Status":"Narrow used-dealer bodies read","Exact next authority":"Applicable original/material amendments and actor-specific finance law."},"raw_table":23,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T07:32:08.496846+00:00","identity":"delegated coordinator /root/review_wv1; not independent","all_original_missing_evidence_retained":true,"finding_ids":[],"state_parent_application_accepted":false}},{"topic":"Q06","researcher_record":{"Row":"Q06","Source issue":"Judicial recovery","Status":"Current mirrors read","Exact next authority":"Promulgated current-rule integration and generic local packet."},"raw_table":23,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T07:32:08.496846+00:00","identity":"delegated coordinator /root/review_wv1; not independent","all_original_missing_evidence_retained":true,"finding_ids":[],"state_parent_application_accepted":false}},{"topic":"Q07","researcher_record":{"Row":"Q07","Source issue":"Federal boundaries","Status":"Official3952/3918/362; reproduced3911","Exact next authority":"Full linked definitions and case-specific stay/order law."},"raw_table":23,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T07:32:08.496846+00:00","identity":"delegated coordinator /root/review_wv1; not independent","all_original_missing_evidence_retained":true,"finding_ids":[],"state_parent_application_accepted":false}},{"topic":"Q08","researcher_record":{"Row":"Q08","Source issue":"Judicial treatment","Status":"Twelve published material bodies","Exact next authority":"Complete citator and post-revision consumer deficiency/acceptance construction."},"raw_table":23,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T07:32:08.496846+00:00","identity":"delegated coordinator /root/review_wv1; not independent","all_original_missing_evidence_retained":true,"finding_ids":[],"state_parent_application_accepted":false}},{"topic":"M01","researcher_record":{"Row":"M01","Completed work":"Cash proceeds, expenses, credits and balance reconcile.","Remaining legal predicates":"Actual lawful charges, priorities and compliance."},"raw_table":24,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T07:32:08.496846+00:00","identity":"delegated coordinator /root/review_wv1; not independent","all_original_missing_evidence_retained":true,"finding_ids":[],"state_parent_application_accepted":false}},{"topic":"M02","researcher_record":{"Row":"M02","Completed work":"Notice/request dates separated without false ten-day safe harbor.","Remaining legal predicates":"Actual reasonable timing, method and content."},"raw_table":24,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T07:32:08.496846+00:00","identity":"delegated coordinator /root/review_wv1; not independent","all_original_missing_evidence_retained":true,"finding_ids":[],"state_parent_application_accepted":false}},{"topic":"M03","researcher_record":{"Row":"M03","Completed work":"Redemption, reinstatement and noncash acceptance separated.","Remaining legal predicates":"Actual agreements, tender, thresholds and consent."},"raw_table":24,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T07:32:08.496846+00:00","identity":"delegated coordinator /root/review_wv1; not independent","all_original_missing_evidence_retained":true,"finding_ids":[],"state_parent_application_accepted":false}},{"topic":"M04","researcher_record":{"Row":"M04","Completed work":"Deficiency and potential statutory measure kept distinct.","Remaining legal predicates":"Actual violation, consumer rule, defense and awarded remedy."},"raw_table":24,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T07:32:08.496846+00:00","identity":"delegated coordinator /root/review_wv1; not independent","all_original_missing_evidence_retained":true,"finding_ids":[],"state_parent_application_accepted":false}},{"topic":"T01","researcher_record":{"Row":"T01","Area":"Arkansas counties/courts","Remaining investigation":"Actual adopted replevin and filing practices; no county inventory claimed."},"raw_table":25,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T07:32:08.496846+00:00","identity":"delegated coordinator /root/review_wv1; not independent","all_original_missing_evidence_retained":true,"finding_ids":[],"state_parent_application_accepted":false}},{"topic":"T02","researcher_record":{"Row":"T02","Area":"Vehicle location and title state","Remaining investigation":"Governing title/perfection/priority and interstate movement rules."},"raw_table":25,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T07:32:08.496846+00:00","identity":"delegated coordinator /root/review_wv1; not independent","all_original_missing_evidence_retained":true,"finding_ids":[],"state_parent_application_accepted":false}},{"topic":"T03","researcher_record":{"Row":"T03","Area":"Tribal nexus","Remaining investigation":"Sovereign law, jurisdiction, immunity and actual actor."},"raw_table":25,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T07:32:08.496846+00:00","identity":"delegated coordinator /root/review_wv1; not independent","all_original_missing_evidence_retained":true,"finding_ids":[],"state_parent_application_accepted":false}},{"topic":"T04","researcher_record":{"Row":"T04","Area":"Foreign-country transaction","Remaining investigation":"Applicable law and enforcement; no Arkansas export assumption."},"raw_table":25,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T07:32:08.496846+00:00","identity":"delegated coordinator /root/review_wv1; not independent","all_original_missing_evidence_retained":true,"finding_ids":[],"state_parent_application_accepted":false}},{"topic":"T05","researcher_record":{"Row":"T05","Area":"Actual institution/operator","Remaining investigation":"No charter, license, permit, insurance or status query."},"raw_table":25,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T07:32:08.496846+00:00","identity":"delegated coordinator /root/review_wv1; not independent","all_original_missing_evidence_retained":true,"finding_ids":[],"state_parent_application_accepted":false}},{"topic":"T06","researcher_record":{"Row":"T06","Area":"Actual vehicle/account","Remaining investigation":"No VIN, title, agreement, military status, payment, sale or court record examined."},"raw_table":25,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T07:32:08.496846+00:00","identity":"delegated coordinator /root/review_wv1; not independent","all_original_missing_evidence_retained":true,"finding_ids":[],"state_parent_application_accepted":false}},{"topic":"D01","researcher_record":{"Row":"D01","Family":"Provider/CSO/CROA","Remaining scope":"Separate permission and fee regimes."},"raw_table":26,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T07:32:08.496846+00:00","identity":"delegated coordinator /root/review_wv1; not independent","all_original_missing_evidence_retained":true,"finding_ids":[],"state_parent_application_accepted":false}},{"topic":"D02","researcher_record":{"Row":"D02","Family":"General collection/FDCPA/FCRA","Remaining scope":"Communications, validation and reporting."},"raw_table":26,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T07:32:08.496846+00:00","identity":"delegated coordinator /root/review_wv1; not independent","all_original_missing_evidence_retained":true,"finding_ids":[],"state_parent_application_accepted":false}},{"topic":"D03","researcher_record":{"Row":"D03","Family":"Full loan merits/assignment/evidence","Remaining scope":"Actual validity and complete ownership proof."},"raw_table":26,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T07:32:08.496846+00:00","identity":"delegated coordinator /root/review_wv1; not independent","all_original_missing_evidence_retained":true,"finding_ids":[],"state_parent_application_accepted":false}},{"topic":"D04","researcher_record":{"Row":"D04","Family":"Usury/interest/fee authority","Remaining scope":"No prior unreviewed rate conclusions imported."},"raw_table":26,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T07:32:08.496846+00:00","identity":"delegated coordinator /root/review_wv1; not independent","all_original_missing_evidence_retained":true,"finding_ids":[],"state_parent_application_accepted":false}},{"topic":"D05","researcher_record":{"Row":"D05","Family":"General litigation/default/limitations","Remaining scope":"Only necessary judicial recovery boundary addressed."},"raw_table":26,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T07:32:08.496846+00:00","identity":"delegated coordinator /root/review_wv1; not independent","all_original_missing_evidence_retained":true,"finding_ids":[],"state_parent_application_accepted":false}},{"topic":"D06","researcher_record":{"Row":"D06","Family":"Arbitration/judgment satisfaction","Remaining scope":"No previous saved findings adopted."},"raw_table":26,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T07:32:08.496846+00:00","identity":"delegated coordinator /root/review_wv1; not independent","all_original_missing_evidence_retained":true,"finding_ids":[],"state_parent_application_accepted":false}},{"topic":"D07","researcher_record":{"Row":"D07","Family":"Bankruptcy/SCRA full dossiers","Remaining scope":"Narrow override flags only."},"raw_table":26,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T07:32:08.496846+00:00","identity":"delegated coordinator /root/review_wv1; not independent","all_original_missing_evidence_retained":true,"finding_ids":[],"state_parent_application_accepted":false}},{"topic":"D08","researcher_record":{"Row":"D08","Family":"Insurance/GAP/service contracts","Remaining scope":"Actual coverage, cancellation, refund and deficiency-reduction rights."},"raw_table":26,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T07:32:08.496846+00:00","identity":"delegated coordinator /root/review_wv1; not independent","all_original_missing_evidence_retained":true,"finding_ids":[],"state_parent_application_accepted":false}},{"topic":"D09","researcher_record":{"Row":"D09","Family":"True lease/title loan/business/special collateral","Remaining scope":"Classification branches, not completed specialized investigations."},"raw_table":26,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T07:32:08.496846+00:00","identity":"delegated coordinator /root/review_wv1; not independent","all_original_missing_evidence_retained":true,"finding_ids":[],"state_parent_application_accepted":false}},{"topic":"D10","researcher_record":{"Row":"D10","Family":"Medical/rent/utilities/mortgage/government/local/tribal","Remaining scope":"Broader state and parent dimensions remain open."},"raw_table":26,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T07:32:08.496846+00:00","identity":"delegated coordinator /root/review_wv1; not independent","all_original_missing_evidence_retained":true,"finding_ids":[],"state_parent_application_accepted":false}}],"annotations":{},"corrections":[{"issue_id":"S_AR-P16-Q001","finding":"The report assigns certification to the Secretary of Transformation and Shared Services. Section12(a)(1) instead directs the Office of Motor Vehicle to certify implementation in writing to the Secretary of Finance and Administration; under(a)(2) that secretary files it with the BLRDirector and CodeRevisionCommission. Replace only the actor/process description: Upon implementation of the systems under§27-14-906(f), the Office of Motor Vehicle certifies that fact in writing to the Secretary of Finance and Administration, who files the certification with the Director of the Bureau of Legislative Research and Arkansas Code Revision Commission. Sections9–10 become effective on the certification date and cannot become effective unless the systems are implemented. Keep the existing hold that actual certification/implementation was not verified.","affected_claim_ids":[],"related_claim_ids":[],"validated_exact_raw_rows":[],"exact_original_cell_matches":[],"source_urls":["https://arkleg.state.ar.us/Home/FTPDocument?path=%2FACTS%2F2025R%2FPublic%2FACT926.pdf"],"localization":"report_level_pending_localization_required","public_status":"Recorded correction pending; working-paper assertion requires the stated repair or qualification."}],"resolved_corrections":[],"review_history":[{"id":"S_AR-P16-SCOPED","status":"reviewed_scoped_partial_revise_UNSENT","at":null}]}