{"meta":{"key":"s_az--pass-06","task":"S_AZ","title":"SAZ Arizona collection-agency licensing, actor exemptions, security, and public procedure","parent_title":"Arizona debt and debt relief law","edition":"pass-06","path":"/research/s_az--pass-06/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-27","tables":19,"claims":110,"sources":37,"review_status":"delegated_coordinator_scoped_collection_agency_primary_cost_security_review_partial_source_access_currentness_application_holds","review_complete":true,"sha256":"2be30eeae3157b35672790f6ea883516ea8115f89dc259bdd8b641a5984ce075","headings":["1. Reading conventions and principal conclusions","4.1 Government charges and unidentified operational extras","4.2 Bond, cash alternative, and the limited claim gateway","5.1 Atomic federal actor claims","5.2 Published opinions: facts, posture, holding, and limits","7.1 Statutory compilations and exact section URLs","7.2 Rules, enactments, official interpretation notice, and currentness records","7.3 Published decisions, federal text, and administrative inventory","7.4 Operational sources, failures, and discovery-only material","Model 1 — Initial identified outlay, proration, and denial","Model 2 — Arizona-connected gross income and a tier boundary","Model 3 — Collections, agreed client charge, remittance, and remaining loss","Model 4 — Conditional cash-deposit claim and proportional allocation","10.1 Core issue and actor coverage — 30 rows","10.2 Workflow and regulatory-actor coverage — 14 rows","10.3 Currentness and authority coverage — 9 rows","10.4 Worked-model coverage — 4 rows","10.5 Deferred families — 15 rows","10.6 Individual county-local and territorial holds — 18 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_AZ/pass-06","facets":{"geography":["us","us-az"],"debt_type":[],"stage":["collection"],"subject":["provider-licensing","exemptions-property"]},"scope":"Reviewed P01 remaining collection-agency actor/license/exemption/security/public-procedure gateway only","pending_corrections":0},"markdown":"# S_AZ PASS-06 — Arizona collection-agency licensing, actor exemptions, security, and public procedure\n\n**Arizona has a collection-agency licensing regime whose coverage depends on the activity, the relationship to the debt, and any applicable exemption.** The verified statutory charges are a **$1,500 application fee** and **$600 annual assessment/renewal fee**. The statutory minimum security tiers range from **$10,000 to $35,000**, measured by the licensee’s specified Arizona-connected gross annual income. Those security amounts are not license fees, surety premiums, or guaranteed payments to consumers. **Current operational application/renewal checklists, the live public lookup workflow, the renewal late-fee amount, and several form-dependent calculations remain held.** [C001–C033, C058–C081, C107–C109.] [Definitions+4](https://www.azleg.gov/ars/32/01001.htm?utm_source=chatgpt.com)\n\n**Research access date:** October 27, 2026, Pacific, later than the requested October 22 baseline. All source-access dates below refer to this pass. **Exact individual source-opening times are UNKNOWN**; neither a publication date nor a review-completion timestamp is being used as an opening timestamp.\n\nThis pass contributes only to the collection-agency actor/license/security/public-procedure portion of the reviewed P01 deferred row. P02, P03, P04, and P05 are not legal premises for these findings. The review-file provenance supplied in the conversation is preserved as supplied; I did not open or modify that coordinator file.\n\n## 1. Reading conventions and principal conclusions\n\nIn the tables, **S001 means S_AZ-P06-S001**, and **C001 means S_AZ-P06-C001**. The source register supplies the full literal URLs. Statutory compilation IDs are reused for their different sections; the individual section URLs are locators, not invented separate documents.\n\nConfidence labels:\n\n- **H — high confidence in the identified text or holding actually read.** This does not certify every subsequent legal development or an actual entity’s status.\n- **I — bounded inference** from the identified primary text, expressly distinguished from an authoritative interpretation.\n- **P — partial:** relevant evidence was read, but a consequential issue remains unresolved.\n- **Held:** the necessary body, interpretation, operational instruction, or private fact was not established.\n\nThe most consequential distinctions are:\n\n1. **State coverage is not limited to FDCPA consumer debt.** Arizona’s operative “claim” and collection-agency definitions do not contain a general personal/family/household-purpose limitation. The commercial-financing exemption has its own narrower conditions. [C001–C005, C026.]\n2. **An outright purchase is not interchangeable with an assignment for collection.** Retained recourse, unpaid purchase consideration, and unpassed title are expressly material under Arizona law. A fully paid, nonrecourse purchase requires further classification; I did not establish a blanket Arizona debt-buyer exemption. [C002, C007.]\n3. **Exemptions are conditional.** Section 32-1004 requires the enumerated actor to be acting in the regular course of its respective business, and it preserves specified duties. Attorney ownership, nonprofit status, an affiliate label, and an insurance or financial-services label are not enough by themselves. [C013–C033.]\n4. **A physical branch, a separate business name, and a control acquisition are different questions.** The official published branch-policy notice says separate collection-agency branch applications and renewals are not required; the later fee amendment removed collection-agency branch charges. The rule still requires a separate license for each business name, and a qualifying control acquisition requires prior written consent. [C048, C053–C054, C101.]\n5. **Submission is not issuance.** The statute requires an application and an obtained license. NMLS is an authorized licensing channel, not the Arizona issuing regulator. [C034–C041.]\n6. **The surety-bond route and the cash-deposit route have different operative language.** The cash-deposit rule supplies a judgment-based administrative claim procedure and a proportional-payment formula. It is not a general surety-bond payout formula. [C068–C081.]\n\nThese distinctions follow from the freshly read statutes, rules, and the limited published interpretations identified below. [H Ver of SB1463+4](https://www.azleg.gov/legtext/55leg/1r/laws/0356.htm?utm_source=chatgpt.com)\n\n# 2. Atomic claim/evidence matrix — actors, debts, nexus, and exemptions\n\nFor exemption rows, **failure of a listed predicate defeats reliance on that exemption; it does not, by itself, decide every other classification or exemption.** “Regular course” and the retained statutory duties in C013 apply throughout.\n\n| Claim ID | Actor / predicate | Required step, consequence, or boundary | Primary pinpoint; confidence and hold |\n| --- | --- | --- | --- |\n| **S_AZ-P06-C001** | A person is employed to demand, collect, or enforce money owed, due, or asserted due to another. | This is the core statutory “claim” relationship. An asserted obligation can qualify without an adjudication that the debt is valid. | S001, §32-1001(1). **H** text; debt validity remains separate. |\n| **S_AZ-P06-C002** | An obligation is sold or assigned, but final payment has not been tendered, title has not passed, **or** the purchaser/assignee has recourse against the seller/assignor. | Any listed condition brings the obligation within the express purchased/assigned-claim inclusion. The contract’s title does not settle the issue. | S001, §32-1001(1)(b)(i)–(iii). **H**. |\n| **S_AZ-P06-C003** | A person directly or indirectly solicits claims for collection or collects claims owed, due, or asserted due. | The activity falls within the collection-agency definition, subject to classification and exemption analysis. | S001, §32-1001(2)(a); S007, R20-4-1501. **H**. |\n| **S_AZ-P06-C004** | A business collects its own debts using another name that indicates a third person is collecting. | The statute expressly includes that business in “collection agency.” Owning the debt does not avoid this limb. | S001, §32-1001(2)(b). **H**. |\n| **S_AZ-P06-C005** | Consumer or business obligations are collected. | Arizona’s general definition is not confined to personal/family/household debt, nor does it impose a general default-at-acquisition threshold. | S001, §32-1001(1)–(2); S007, R20-4-1501. **H** text; sector-specific exceptions remain separate. |\n| **S_AZ-P06-C006** | An original creditor collects only its own originated obligations in its true name. | That posture is distinguishable from employment to collect another’s claim and from the false-name limb. Treating it as outside those limbs is a **textual inference**, not a blanket exemption determination for every creditor activity. | S001, §32-1001(1), (2)(b). **I**; actual activity and relationship held. |\n| **S_AZ-P06-C007** | A purchaser asserts full payment, passed title, and no recourse. | Those facts remove the express conditions in §32-1001(1)(b); they do not, without further analysis, establish that every other definitional limb is inapplicable. No current authoritative Arizona blanket debt-buyer exclusion was established. | S001, §32-1001(1)–(2). **P**; transaction documents and responsive authoritative construction missing. |\n| **S_AZ-P06-C008** | A person conducts a collection agency “in this state.” | It must first **apply for and obtain** a Chapter 9 license unless an exemption applies. The statute does not make an application receipt a license. | S001, §32-1055(A). **H**; precise outer territorial boundary held. |\n| **S_AZ-P06-C009** | A licensee measures the bond base. | Arizona-connected business includes collection from Arizona-resident debtors, collection from an Arizona office, and collection for Arizona-resident creditors, with the specified location-independence. This definition is expressly **“for purposes of this section”**; it is not silently converted into a complete territorial licensing test. | S001, §32-1021(D)(1)–(3). **H** text; broader nexus inference limited. |\n| **S_AZ-P06-C010** | An existing licensee’s employee works remotely. | The general rule permits licensed activity at a remote work location under licensee supervision, written supervision policies, the information-security plan, and no physical records at that location. It does not license a separate remote business or independent contractor. | S007, R20-4-102(29); S009, adopted text at 31 A.A.R. 539. **H/P**; actual employment and compliance held. |\n| **S_AZ-P06-C011** | An Arizona-licensed agency receives claims as forwardee from an out-of-state agency or attorney. | Section 32-1055(B) expressly preserves this arrangement despite its prohibition on aiding, abetting, or receiving compensation from an unlicensed person. It does not expressly authorize every direct Arizona collection activity of the forwarding actor. | S001, §32-1055(B). **H** narrow savings clause. |\n| **S_AZ-P06-C012** | An out-of-state agency seeks reciprocity. | Arizona issuance requires a valid other-state license, substantially equal requirements when issued, reciprocal treatment, and Arizona application fees, financial requirements, and security. The other-state license alone is insufficient. | S001, §32-1024(1)–(3); S007, R20-4-1502(B). **H**. |\n| **S_AZ-P06-C013** | An actor invokes any §32-1004(A) exemption. | It must act in the regular course of its respective business and retain compliance with §32-1051(2)–(6), §32-1055(C), and §32-1055(D)(1), (2), (3), (5). Exemption is not general immunity from Chapter 9 duties. | S001, §32-1004(A); §§32-1051, 32-1055. **H**. |\n| **S_AZ-P06-C014** | An attorney invokes the attorney exemption. | The text exempts attorneys-at-law in the regular course of their business. An attorney’s ownership, affiliation, or letterhead does not itself establish an exemption for a separate collection company. | S001, §32-1004(A)(1), introductory clause. **H** text; firm/entity application **held**. |\n| **S_AZ-P06-C015** | A credit worker receives a regular wage or salary. | The credit-person/similar-capacity exemption excludes an independent contractor. A compensation label alone does not establish employment. | S001, §32-1004(A)(2); S007, R20-4-102(16). **H**. |\n| **S_AZ-P06-C016** | A bank, bank trust department, fiduciary, or financing/lending institution invokes A(3). | The enumerated institutional status and regular-course activity must be established. A generic “financial company” label is insufficient. | S001, §32-1004(A)(3); §32-1001(5). **H/P**; particular institution and preemption facts held. |\n| **S_AZ-P06-C017** | A common carrier invokes exemption. | Common carriers are enumerated, subject to regular-course activity and retained duties. | S001, §32-1004(A)(4). **H**; no carrier-status determination. |\n| **S_AZ-P06-C018** | A title insurer, title agent, or abstract company invokes exemption. | A(5) expressly requires it to be doing an escrow business. | S001, §32-1004(A)(5). **H**. |\n| **S_AZ-P06-C019** | A real-estate broker invokes exemption. | The text requires a licensed real-estate broker acting in the regular course of business. A landlord or billing contractor is not automatically such a broker. | S001, §32-1004(A)(6). **H/P**; broker-license and activity facts held. |\n| **S_AZ-P06-C020** | An employee works for a Chapter 9 licensee. | Employees of licensees are enumerated. A separately organized agent/vendor is not proven to be an employee merely by serving a licensee. | S001, §32-1004(A)(7); S007, R20-4-102(16). **H**. |\n| **S_AZ-P06-C021** | A substation payment office invokes A(8). | The posted wording is: “Substation payment offices employed by or serving as independent contractors or public utilities.” I preserve that wording; I do not rewrite “or” as “of” or resolve its ambiguous reach. | S001, §32-1004(A)(8). **H** text; interpretation **held**. |\n| **S_AZ-P06-C022** | A person actually holds a Title 6, Chapter 7 license. | Section 32-1004(A)(9) supplies a conditional cross-exemption. It requires the specified license and regular-course activity; merely marketing debt-management services is insufficient. | S001, §32-1004(A)(9). **H**; actual status held. |\n| **S_AZ-P06-C023** | A Title 6, Chapter 7 licensee proposes creditor-side activity. | The separately applicable §6-710 prohibits purchasing a creditor’s obligation and acting as both collection agent and debt-management provider on the same account. The cross-exemption does not erase those restrictions. | S002, §6-710(3)–(4). **H**, narrow necessary cross-reference only. |\n| **S_AZ-P06-C024** | A person actually holds a Title 6, Chapter 9 license. | That statutory license category is enumerated, subject to C013. It is not an exemption for every business calling itself a mortgage or finance company. | S001, §32-1004(A)(10). **H**; underlying licensing qualification deferred. |\n| **S_AZ-P06-C025** | A person actually holds a Title 6, Chapter 14, Article 1 license. | The specified premium-finance licensing category is enumerated, subject to C013. | S001, §32-1004(A)(11); S002, §6-1401. **H**. |\n| **S_AZ-P06-C026** | A finance transaction gives a lender rights in commercial claims due the borrower. | Assignment, purchase, or security interest can qualify. The transaction’s primary purpose cannot be facilitating collection; commercial claims exclude purchases for personal/family/household use. | S001, §32-1004(A)(12), (B)(1)–(2). **H**. |\n| **S_AZ-P06-C027** | An accounting, bookkeeping, or billing vendor invokes A(13). | **All five conditions** apply: accounts not contractually past due when received; only the initial written notice and one written follow-up initiated with individual debtors; no written payment request/demand; no receipt/access to debtor or insurer money; all communications in creditor’s name. | S001, §32-1004(A)(13)(a)–(e). **H**. |\n| **S_AZ-P06-C028** | The billing vendor sends the permitted notices. | Content is confined to creditor contact details, amount/itemization, due date, payment place, and a past-due statement if applicable. This does not override C027’s no-demand and no-money-access conditions. | S001, §32-1004(C)(1)–(5). **H**. |\n| **S_AZ-P06-C029** | A corporate affiliate collects for a federally insured depository institution or its affiliates. | A(14) requires the specified common ownership/corporate control and collection **only** for that institution or its affiliates. An ordinary group-company collector does not satisfy this paragraph merely because it is an affiliate. | S001, §32-1004(A)(14), (D). **H**. |\n| **S_AZ-P06-C030** | An insurance actor collects financed premiums. | A(15) requires licensing under one of the listed Title 20, Chapter 2 articles **and** authority to collect premiums under the specified premium-finance arrangement. | S001, §32-1004(A)(15); S002, §6-1401(5). **H**; actual license/agreement held. |\n| **S_AZ-P06-C031** | An insurance administrator collects charges. | A(16) requires the Title 20, Chapter 2, Article 9 license, qualifying administrator role, and collection under §20-485.09(B). A generic medical-billing vendor is not enough. | S001, §32-1004(A)(16); S003, §§20-485, 20-485.09(B). **H**. |\n| **S_AZ-P06-C032** | That administrator collects unpaid charges on an account inactive for more than twelve months. | Section 20-485.09(B) prohibits that collection without a collection-agency license. The insurer agreement must prescribe permissible collection standards. | S003, §20-485.09(B). **H**; inactivity and agreement facts held. |\n| **S_AZ-P06-C033** | An actor relies only on nonprofit status, an ordinary affiliate relationship, or the labels “servicer,” “assignee,” or “debt buyer.” | No blanket exemption for those labels was established from the enumerated text. Analyze the actual definition and a specific exemption instead. | S001, §§32-1001, 32-1004. **I/H** textual comparison; no universal coverage determination. |\n\nThe exemption body was read in full, including its linked institutional and insurance predicates. **Section 32-1004(D) still contains a reference to §32-1051 “paragraphs 2 through 7,” although current §32-1051 has six paragraphs.** The 2022 amendment explains the renumbering and the incompletely updated reference; I do not invent a current paragraph 7. [C102.] [Exemptions+5](https://www.azleg.gov/ars/32/01004.htm?utm_source=chatgpt.com)\n\n# 3. Atomic claim/evidence matrix — regulator, application, renewal, and entity changes\n\n| Claim ID | Actor / predicate | Required act, clock, and consequence | Primary pinpoint; confidence and hold |\n| --- | --- | --- | --- |\n| **S_AZ-P06-C034** | A collection-agency applicant seeks Arizona authority. | DIFI’s financial-institutions division, through the statutory Deputy Director/Director framework, administers the regime. Section 6-123(8) authorizes use of NMLS for Chapter 9 licensing and processing fees. | S001, §32-1001(3)–(4); S002, §§6-101, 6-110, 6-123(8); S003, §20-102. **H**. |\n| **S_AZ-P06-C035** | Original or renewal applicant. | Submit the prescribed verified application, financial statement, and required security. The original-application rule also calls for organizational and personal-history material. No fixed minimum net-worth amount was established from the provisions read. | S001, §§32-1021(A)–(C), 32-1022(A); S007, R20-4-1502(A), (C). **H/P**; current form fields held. |\n| **S_AZ-P06-C036** | Individual applicant or the individual actively managing an entity applicant. | Posted §32-1023 requires U.S. citizenship, no moral-turpitude conviction, no default on money collected for another, and no former suspended/revoked Chapter 9 license that was not reinstated. | S001, §32-1023(A)–(B). **H** text; constitutional application, other relief statutes, and individual eligibility held. |\n| **S_AZ-P06-C037** | Applicant, manager, officer, controlling individual, or other specified person is required to provide fingerprints. | The Deputy Director may require fingerprints and fees; unreadable submissions can require paid resubmission. A temporary license is discretionary, may be terminated on stated grounds, and lasts no more than 180 days. | S002, §6-123.01(A), (C)–(F); S007, R20-4-1405. **H**; current charges and actual grant held. |\n| **S_AZ-P06-C038** | DIFI reviews an initial collection-agency application. | The current table supplies **60 days administrative completeness + 60 days substantive review = 120 days overall**, subject to the rule’s suspensions/extensions. It is an initial-application timeframe. | S007, R20-4-107, Table A, row 16; S009, 31 A.A.R. 543. **H**. |\n| **S_AZ-P06-C039** | DIFI identifies application deficiencies or requests additional substantive information. | Written requests suspend specified review clocks. Failure adequately to respond within the rule’s **60-day** response periods results in deemed withdrawal. The rule’s last-day provision addresses weekends/legal holidays for its notice periods. | S007, R20-4-107(C)–(F); S004, §41-1075. **H**; no actual calendar computed. |\n| **S_AZ-P06-C040** | DIFI misses an applicable overall licensing timeframe after an application is submitted for substantive review. | Section 41-1077 requires the specified application-review fees to be refunded within 30 days after expiry of the timeframe; processing continues. This is **not automatic license issuance** and does not establish that every annual assessment is refundable under that section. | S004, §41-1077(A)–(C); S007, R20-4-107(G). **H/P**. |\n| **S_AZ-P06-C041** | DIFI receives a complete original application with fees, financial statement, and bond. | The Deputy Director investigates qualifications, approves if statutory qualifications are met, and promptly issues after approval. Receipt, payment, or an NMLS submission record is not the grant. | S001, §§32-1026(A), 32-1055(A); S004, §41-1076. **H**. |\n| **S_AZ-P06-C042** | Existing licensee seeks annual renewal. | File the financial statement, verified renewal application, and statutory fees **not later than December 31**, subject to §32-4301. The rule’s “before January 1” wording is consistent with that ordinary date. | S001, §32-1025(A); S007, R20-4-1502(C). **H**; actual portal cutoff/time zone held. |\n| **S_AZ-P06-C043** | Renewal applicant cannot supply the financial statement when filing. | It may request a written extension; if granted, the statement is due no later than **March 1**. This is not a blanket extension for the application or fee. | S001, §32-1025(A), second sentence. **H**. |\n| **S_AZ-P06-C044** | A license is not renewed by December 31. | The specific statute states suspension **by operation of law**. Actual status still requires consideration of the timely-pending and military provisions described below. | S001, §32-1025(B); S004, §41-1092.11. **H/P**. |\n| **S_AZ-P06-C045** | A suspended licensee seeks renewal during January. | Section 32-1025(B) permits submission of the application, statutory fees, and any applicable rule-based late fee **“before January 31”**; it separately says licenses not renewed **“on or before January 31”** expire. I preserve that endpoint difference rather than choose a real deadline. | S001, §32-1025(B). **H** text; endpoint interpretation and actual processing held. |\n| **S_AZ-P06-C046** | A licensee timely submits a sufficient renewal for continuing activity. | Section 41-1092.11(A) says the existing license does not expire until final agency determination and the applicable review period/order. Its interaction with §32-1025’s automatic **suspension** language was not authoritatively resolved here. | S004, §41-1092.11(A)–(B); S001, §32-1025(B). **P**; no actual pending-license status determination. |\n| **S_AZ-P06-C047** | A qualifying military member holds the license and meets notice/evidence conditions. | Guard/reserve federal-active-duty protection and 180 days after return differ from the regular-component 180 days from expiration; qualifying service injury has another statutory anchor. Timely protected renewal excludes late/delinquency charges. | S001, §32-4301(A)–(D). **H**; deployment of an entity’s manager is not assumed to extend the entity license. |\n| **S_AZ-P06-C048** | A license or control of a licensee is acquired. | A license is nontransferable/nonassignable. Acquisition of control requires **prior written consent**; here control means power to vote **more than 20%** of outstanding voting shares of the listed entity forms. | S001, §32-1026(B). **H**; transaction structure held. |\n| **S_AZ-P06-C049** | A licensed agency loses its qualified active manager. | Notify the Deputy Director within **10 days**; replace the qualified person and notify within **90 days** after termination. Otherwise the license expires unless a provisional license has been granted. | S001, §32-1023(C). **H**. |\n| **S_AZ-P06-C050** | Death, partnership dissolution, or termination of the active manager triggers the provisional route. | Apply within **30 days** under the rule, with required proof and financial/security compliance. The statute specifies no fee; a personal-representative license is one year, nonrenewable, and wind-up only; other provisional licenses last three months unless full qualification occurs. | S001, §32-1027(1)–(2); S007, R20-4-1502(D)–(F). **H**. |\n| **S_AZ-P06-C051** | Officers, directors, partners, manager, or organizing documents change. | Personnel-change reporting generally uses **10 days** under R1503. Corporate articles amendments use **30 days**; bylaws and noncorporate organizing-document amendments use **10 days**, with specified certification. | S007, R20-4-1503; R20-4-1506(A)–(C). **H**. |\n| **S_AZ-P06-C052** | A collection agency changes its business name or business address. | Notify DIFI within **10 days**. Notice does not itself satisfy a separate license or prior-control-consent requirement. | S001, §32-1055(D)(4); C048, C053. **H**. |\n| **S_AZ-P06-C053** | An agency proposes another business name/DBA. | It must apply for and obtain a **separate license for each business name** used in Arizona; misleading/confusing names are restricted. A trade-name filing is not the Chapter 9 grant. | S007, R20-4-1519(A)–(C). **H**; current NMLS treatment/charges held. |\n| **S_AZ-P06-C054** | An agency adds a physical branch under the same licensed business identity. | The published 2020 policy notice says branch applications/renewals are not required; the 2021 fee amendment removed the collection-agency branch charges. This does not eliminate business-name, control, address, or other applicable duties. | S017, M20-48 items 1–4; S010, §8; S002, §6-126. **H** texts, **P** current operational implementation. |\n| **S_AZ-P06-C055** | A person operates a collection agency without the required license. | Section 32-1056(A) classifies the conduct as a class 1 misdemeanor; §32-1057 addresses prosecution and participating corporate officers/agents. This finding does not automatically establish debt invalidity or a private damages remedy. | S001, §§32-1056–1057. **H**; full remedies deferred. |\n| **S_AZ-P06-C056** | Applicant/licensee or specified associated person has disqualifying conduct. | Section 32-1053 permits denial/suspension/revocation on its stated grounds. Its “controlling person” test is **over 20% equity plus power actively to participate**, distinct from C048’s voting-power test. | S001, §32-1053(A)–(B); S006, §47-1201(B)(23). **H**; actual adjudication and bankruptcy-insolvency branch held. |\n| **S_AZ-P06-C057** | A licensee describes its license or security to others. | It may not imply state vouching, state affiliation, or that it is bonded **by the state**. A license and a statutory bond are not an endorsement or guarantee of collectibility. | S001, §32-1051(6); S007, R20-4-1516. **H**. |\n\nThe December 31 renewal wording comes from the collection-agency amendment in **2023 chapter 152**, not the separate debt-management renewal legislation. The timely-pending-license issue is a distinct unresolved reconciliation identified in this pass. [azleg.gov+4](https://www.azleg.gov/ars/32/01025.htm?utm_source=chatgpt.com)\n\n# 4. Atomic claim/evidence matrix — charges and security\n\n## 4.1 Government charges and unidentified operational extras\n\n| Claim ID | Charge / predicate | Base, timing, refund, or consequence | Primary pinpoint; confidence and hold |\n| --- | --- | --- | --- |\n| **S_AZ-P06-C058** | Original collection-agency application. | **$1,500**, payable with filing and ordinarily nonrefundable. The rule’s investigation-fee reference does not establish a second $1,500 charge. | S002, §6-126(A)(15), introductory clause; S001, §32-1028; S007, R20-4-1502(A). **H**; C040 exception separate. |\n| **S_AZ-P06-C059** | Annual collection-agency assessment/renewal. | **$600 each year.** The current collection-agency entry has no per-branch add-on. | S002, §6-126(D)(3). **H**. |\n| **S_AZ-P06-C060** | First annual assessment on an enterprise application. | Pay on application, prorated according to quarters remaining until the next annual assessment or renewal. The statute establishes the quarterly basis; current instructions deciding all partial-quarter/invoicing inputs were not read. | S002, §6-126(B). **H** formula, **P** operational inputs. |\n| **S_AZ-P06-C061** | Application is denied or annual renewal is paid. | Denial requires refund of the prorated initial annual assessment; annual renewal fees are nonrefundable. This does not create a refund of a private premium or erase the separate application-fee rule. | S002, §6-126(A), (B); C040. **H**. |\n| **S_AZ-P06-C062** | Licensee changes the licensed name. | Statutory charge is **not more than $250**, not a verified fixed $250 invoice. Current §6-126 does not retain the old collection-agency manager-change/move/duplicate and branch amounts removed in 2021. | S002, §6-126(A)(22); S010, §8. **H** ceiling/history; exact current assessed amount held. |\n| **S_AZ-P06-C063** | DIFI examines an enterprise. | The statutory examination rate may not exceed **$65 per examiner-hour**; an out-of-state office examination may also involve actual travel/subsistence expense. The current rate actually set was not verified. | S002, §6-125(B)(4), (C). **H** ceiling, **held** actual rate. |\n| **S_AZ-P06-C064** | An examination assessment remains unpaid. | Payment is due within **30 days after mailing** of the assessment notice. The statutory **$50/day**, capped at the examination assessment, concerns this delinquency, subject to the specified timely written extension. It is not a renewal late-fee amount. | S002, §6-125(D). **H**. |\n| **S_AZ-P06-C065** | A suspended license is renewed late. | Section 32-1025 authorizes any applicable late fee determined by rule. An exact current collection-agency renewal late-fee amount was **not verified**. | S001, §32-1025(B); S007 and inaccessible S029–S032. **Held** amount. |\n| **S_AZ-P06-C066** | NMLS processing, fingerprints, entity registration, control-change processing, or checkout extras may be involved. | NMLS and fingerprint charges have statutory predicates, but exact amounts were not read. The $5,000 financial-institution control fee cannot be added merely by analogy to a collection-agency acquisition. | S002, §§6-123(8), 6-123.01, 6-126(A)(11); S025–S035. **P/Held**; no checkout total. |\n\n## 4.2 Bond, cash alternative, and the limited claim gateway\n\n| Claim ID | Actor / predicate | Required act, amount, clock, or consequence | Primary pinpoint; confidence and hold |\n| --- | --- | --- | --- |\n| **S_AZ-P06-C067** | Original/renewal applicant calculates required minimum bond. | Base: licensee’s gross annual income from all specified Arizona-connected business during the preceding year. Tiers: **not over $250,000 → $10,000; $250,001–$500,000 → $15,000; $500,001–$750,000 → $25,000; $750,001+ → $35,000**. No CPI adjustment is stated here. | S001, §32-1021(B)(2), (D). **H**; reporting-window/start-up/cents-gap treatment held. |\n| **S_AZ-P06-C068** | Applicant supplies a surety bond. | Applicant is principal; a corporation licensed in Arizona for fidelity/surety insurance is surety; bond runs to the people of the state and remains continuous while licensed. | S001, §32-1022(B). **H**; current prescribed bond instrument not read. |\n| **S_AZ-P06-C069** | Agency collects proceeds for a client. | The bond condition requires accounting and remittance, less agreed client collection charges, within **30 days after collection-month end**. If the amount due the client is **less than $5**, payment may be deferred another 30 days. | S001, §§32-1022(B), 32-1055(D)(1). **H**; not authority to add a debtor charge. |\n| **S_AZ-P06-C070** | Surety withdraws/cancels or licensee changes surety. | Surety gives **60 days’ registered-mail notice** to the Deputy Director and licensee. Without a replacement bond filed before termination, the license is void. A changed surety must meet statutory qualifications. | S001, §32-1022(C). **H**; actual delivery/termination facts held. |\n| **S_AZ-P06-C071** | Applicant uses cash or an approved cash alternative. | Amount equals required security. Listed alternatives require the specified Arizona-doing-business institution, federal insurance, and payment/assignment to the State Treasurer. Acceptance is not established by the applicant merely owning a deposit account. | S001, §32-1022(D)–(E). **H**. |\n| **S_AZ-P06-C072** | State Treasurer holds cash/alternative security. | Applicant is entitled to accrued interest from the alternatives. An administrative fee **may** be imposed, capped at **$10 per deposit**; neither a mandatory $10 nor an interest rate was verified. | S001, §32-1022(E). **H**. |\n| **S_AZ-P06-C073** | Deposited principal is proposed for release. | Section 32-1022(F) requires written Deputy Director authorization or a competent-court order and states a three-year restriction from the first listed substitution/surrender/revocation/expiration event. Its interaction with claim payments under R105(H)–(I) was not authoritatively reconciled here. | S001, §32-1022(F)(1)–(4); S007, R20-4-105(H)–(J). **P**; no immediate-release conclusion. |\n| **S_AZ-P06-C074** | Suit is brought on bond, cash, or cash alternative. | Section 32-1022(G) states a **three-year** period after the underlying act(s), with fraud/mistake measured under §12-543(3)’s discovery provision. This is distinct from the rule’s postjudgment administrative claim clock. | S001, §32-1022(G); S005, §12-543(3). **H** text; actual accrual/tolling held. |\n| **S_AZ-P06-C075** | A person seeks payment from a deposit in place of bond. | R105 requires a final judgment of a competent court against the depositor for specified injury in licensed business, certified complaint/judgment, execution-stay statement, recovery statement, and sworn notarized claim verification. | S007, R20-4-105(A)–(B). **H**; a complaint or alleged loss alone is insufficient. |\n| **S_AZ-P06-C076** | Claimant files the R105 verified claim. | File the claim **and all supporting documents within six months after judgment entry**. If execution is stayed during the first six months, the rule specifies filing only during the six months after the stay is lifted. | S007, R20-4-105(C). **H**; no actual calendar or stay determination. |\n| **S_AZ-P06-C077** | Claimant invokes the deposit claim process. | Deliver copies to the depositor within **10 days after the original filing**, make the depositor a party, and proceed as a contested case. R105 treats a timely claim as a hearing request under §41-1092.03(B). | S007, R20-4-105(C)–(D); S004, §41-1092.03(B). **H/P**; full Article 12 hearing/appeal procedure deferred. |\n| **S_AZ-P06-C078** | Agency considers a verified deposit claim after hearing. | Denial grounds include wrong type of injury, default/stipulated/consent judgment without the required injury showing, stayed execution, fraud/collusion, satisfaction elsewhere, or an underlying action that was time-barred when commenced. A default judgment is not automatically payable. | S007, R20-4-105(E)(1)–(6). **H**. |\n| **S_AZ-P06-C079** | Agency grants the verified deposit claim. | Award is based on compensatory damages, excluding attorney fees and amounts previously paid. Prior recoveries cannot be ignored or credited twice. | S007, R20-4-105(F). **H**. |\n| **S_AZ-P06-C080** | Deposit is insufficient and other civil actions were properly noticed. | R105(I) uses: deposit × this award ÷ (this award + compensatory damages sought in other noticed actions against the same depositor). The denominator is not simply all final judgments. | S007, R20-4-105(G)–(I). **H** formula; actual notices, amounts, availability, and C073 timing held. |\n| **S_AZ-P06-C081** | Security is mistaken for guaranteed reimbursement. | R105 concerns deposits in place of bond; receivership can use a different court-directed route. The statutory surety condition chiefly addresses client accounting/remittance. Neither establishes automatic consumer payment, unlimited recovery, or authority to collect a particular debt. | S001, §32-1022(B), (D)–(G); S007, R20-4-105(J)–(K). **H/P**; full surety coverage/claim litigation deferred. |\n\nThe rule’s deposit procedure was read in its current compilation and in the 2025 final rulemaking. The statutory release restriction is preserved rather than silently rewritten as applying only to returns to the licensee. No authoritative decision resolving that particular interaction was opened in the bounded search. [azleg.gov+4](https://www.azleg.gov/ars/6/00126.htm?utm_source=chatgpt.com)\n\n# 5. Narrow federal comparison and published judicial interpretations\n\n## 5.1 Atomic federal actor claims\n\n**Federal verification limitation:** the current full body of **15 U.S.C. §1692a** could not be retrieved through the two official routes recorded in S023. The comparison below rests on the freshly read CFPB reproduction of current Regulation F and the published judicial opinions actually read. It is not represented as a completed fresh verification of the entire current U.S. Code section.\n\n| Claim ID | Actor / predicate | Federal result and Arizona boundary | Primary pinpoint; confidence and hold |\n| --- | --- | --- | --- |\n| **S_AZ-P06-C082** | Researcher attempts current §1692a verification. | House U.S. Code route failed; GovInfo alternate failed. Full current statutory-body verification remains held. Quotations in cases do not substitute for opening that full current section. | S023, both failed routes. **Held**. |\n| **S_AZ-P06-C083** | Regulation F consumer/debt classification. | Consumer is a natural person, living or deceased; debt must arise from a transaction primarily for personal/family/household purposes, including an obligation reduced to judgment. This is narrower than the general Arizona claim definition. | S019, §1006.2(e), (h), comment 2(h)-1. **H** posted text; official-edition limitation. |\n| **S_AZ-P06-C084** | Federal collector classification. | Principal-purpose collection and regular collection of another’s debt are separate prongs; misleading use of another name by an own-debt creditor is included. Security-interest enforcement is additionally covered for the specified §1006.22(e) purpose. | S019, §1006.2(i)(1), comment 2(i)-1. **H**; full secured regime deferred. |\n| **S_AZ-P06-C085** | Federal creditor classification. | A creditor includes one extending credit or to whom debt is owed, but excludes receipt of defaulted debt solely to facilitate collection for another. “Creditor” and “debt collector” are not necessarily mutually exclusive categories. | S019, §1006.2(g); S021, majority pp. 14–16. **H**. |\n| **S_AZ-P06-C086** | Officer/employee collects for creditor in creditor’s name. | Regulation F supplies that conditional exclusion. It is not an exclusion for every outsourced vendor. | S019, §1006.2(i)(2)(i). **H**. |\n| **S_AZ-P06-C087** | Related-company collector invokes federal affiliate exclusion. | It must collect only for related/controlled persons **and** its principal business must not be debt collection. This differs from Arizona A(14)’s federally insured institution predicate. | S019, §1006.2(i)(2)(ii)(A)–(B); S001, §32-1004(A)(14). **H**. |\n| **S_AZ-P06-C088** | Government officer/employee collects in official duties. | The federal exclusion is limited to that official-duty activity. No broad private government-contractor exclusion is inferred. | S019, §1006.2(i)(2)(iii). **H**. |\n| **S_AZ-P06-C089** | Person serves legal process. | The exclusion applies while serving/attempting to serve process in judicial enforcement; it does not classify all other collection conduct. | S019, §1006.2(i)(2)(iv). **H**. |\n| **S_AZ-P06-C090** | Nonprofit provides bona fide consumer credit counseling at consumers’ request and receives/distributes payments. | Regulation F expressly excludes that specified activity. Nonprofit incorporation alone is insufficient, and this federal exclusion does not supply an Arizona Chapter 9 exemption. | S019, §1006.2(i)(2)(v); S001, §32-1004. **H**. |\n| **S_AZ-P06-C091** | Person collects another’s debt in a listed special relationship. | Activity-specific exclusions cover incidental bona fide fiduciary/escrow duties, debt the person originated, debt not in default when obtained, or debt obtained as secured party in the specified commercial-credit transaction. | S019, §1006.2(i)(2)(vi)(A)–(D). **H**; relationship/default facts held. |\n| **S_AZ-P06-C092** | Special federal coverage exception is asserted. | Private bad-check programs require compliance with FDCPA §818. Section 1006.1(c) also preserves its §5519(a) and state-exemption qualifications. Those linked special regimes were not fully read; no actor is cleared under them. | S019, §§1006.2(i)(2)(vii), 1006.1(c), 1006.108. **P/Held** linked special predicates. |\n\n## 5.2 Published opinions: facts, posture, holding, and limits\n\n| Claim ID | Published authority actually read | Material facts / posture / holding | Scope and currentness limit |\n| --- | --- | --- | --- |\n| **S_AZ-P06-C093** | **Henson v. Santander Consumer USA Inc.**, U.S. Supreme Court, June 12, 2017; unanimous opinion. | Alleged purchaser collected defaulted automobile debts it owned. In reviewing dismissal, the Court held that the “owed … another” regular-collection prong did not cover the purchaser merely because it acquired debts after default. Judgment affirmed. | S020, opinion pp. 1–3, 7–8, 11; PDF indices 2–4, 8–9, 12. **H** holding; no Arizona licensing conclusion. |\n| **S_AZ-P06-C094** | **Henson**, reserved questions. | The Court expressly did **not** decide the principal-purpose definition or the separate argument concerning regular collection of other persons’ debts. | S020, opinion p. 3, PDF index 4. **H**; no blanket debt-buyer immunity. |\n| **S_AZ-P06-C095** | **McAdory v. M.N.S. & Associates, LLC / DNF Associates**, Ninth Circuit, March 9, 2020, published majority. | Allegations described a business buying defaulted consumer debts and outsourcing collection. The majority held that direct consumer interaction is not required by the principal-purpose prong; the allegations plausibly pleaded collector status. Dismissal reversed and remanded. | S021, majority pp. 3–17, especially 10–16; PDF indices 2–16. **H** pleading-stage holding. |\n| **S_AZ-P06-C096** | **McAdory**, issues left for remand. | Collector classification did not decide all agency/vicarious-liability questions. The majority left the relevant relationship/liability issue for further proceedings. | S021, pp. 16–17, PDF indices 15–16. **H**. Judge Bea dissented; the dissent is not the holding. |\n| **S_AZ-P06-C097** | **Cruz v. Lusk Collection Agency**, Arizona Court of Appeals, June 6, 1978, published majority reproduced by CaseMine. | Consolidated declaratory challenges concerned collection assignments and agency-filed actions through attorneys. On dismissal for failure to state a claim, the court treated a valid assignee as legal owner/real party in interest able to sue in its own name; dismissal affirmed. | S018, unpaginated opinion paragraphs discussing a valid assignment and statutory collection-agency framework. **H** reproduced holding; not an unlicensed debt-buyer exemption. |\n| **S_AZ-P06-C098** | **Cruz** and current lawsuit-related rule. | The arrangement described in Cruz was not treated as unauthorized practice where attorneys handled litigation. Current R1509(E) separately requires the filing attorney to have no personal or financial interest in the collection agency. | S018, final analysis and affirmance; S007, R20-4-1509(E). **H/P**; broader modern legal-practice/entity questions deferred. |\n| **S_AZ-P06-C099** | **Kaiser v. Cascade Capital**, Ninth Circuit, March 9, 2021, limited later-treatment read. | Footnote 7 cites McAdory for the proposition that a creditor can also be a collector and notes that collector status was not contested there. It is later published treatment, not a newly adjudicated actor-status finding in that case. | S022, p. 9 n.7, PDF index 8. **H** limited passage; no whole-opinion or citator claim. |\n| **S_AZ-P06-C100** | Comparison across the state and federal sources. | State licensing classification, federal collector coverage, debt validity, and legal collectibility are separate inquiries. Neither a federal exclusion nor an Arizona license resolves the others. | S001, §§32-1001, 32-1004, 32-1055; S019–S021. **I/H** reasoned comparison. |\n\nCruz’s underlying quoted authorities were **not newly opened**. McAdory’s majority was read; its dissent was not used as the holding. No unpublished memorandum decision is relied upon, so no unpublished-citation exception is claimed. The bounded later-treatment search is not full citator clearance. [supremecourt.gov+5](https://www.supremecourt.gov/opinions/16pdf/16-349_c07d.pdf?utm_source=chatgpt.com)\n\n# 6. Atomic currentness and operational-evidence claims\n\n| Claim ID | Finding | Exact supporting record | Limitation |\n| --- | --- | --- | --- |\n| **S_AZ-P06-C101** | **2021 chapter 356** removed the collection-agency branch application/annual charges and former specified manager-change/move/duplicate charges; it retained the collection-agency $1,500/$600 structure and amended the relevant administrative terminology. | S010, §8 and §§296–305; approved/filed May 10, 2021; S013 general effective date **September 29, 2021**. | §356’s express retroactivity concerns §41-3451, not a general retroactive collection-agency amendment. **H** selected chain. |\n| **S_AZ-P06-C102** | **2022 chapter 59** removed specified general character language and renumbered §32-1051; current §32-1004(D) retains one obsolete “2 through 7” reference. | S011, §§51–54; approved/filed March 24, 2022; S013 general effective date **September 24, 2022**. | Does not remove the still-posted citizenship/moral-turpitude provisions or establish constitutional validity. **H** text/history. |\n| **S_AZ-P06-C103** | **2023 chapter 152** changed collection-agency renewal from January 1 to December 31 and added “by operation of law” to suspension. | S012, §12; approved May 19/filed May 22, 2023; S013 general effective date **October 30, 2023**. | This is the collection-agency amendment; no P02 renewal premise imported. **H**. |\n| **S_AZ-P06-C104** | The relevant Article 15 final rulemaking was published September 1, 2023, and became effective **October 2, 2023**. | S008, 29 A.A.R. 1961, preamble item 3; material rule text pp. 1964–1968. | Publication and effective date are distinct. Older emergency/history references were not treated as current rules. **H**. |\n| **S_AZ-P06-C105** | The relevant Article 1 final rulemaking was published February 14, 2025, effective **April 6, 2025**; the current initial collection-agency review row is 60/60/120 days. | S009, 31 A.A.R. 533 item 4; pp. 539–543; S007 current R107/Table A. | Current Code posting and bounded later searches are not an all-2026 rulemaking certificate. **H/P**. |\n| **S_AZ-P06-C106** | The 2024–2026 regular-session affected-section tables read did not list Chapter 9 collection-agency amendments or a §6-126 amendment in their relevant blocks. | S014–S016, Title 6 blocks and the Title 32 rows surrounding §§32-1001–1057. | Official tables support a bounded currentness screen, not every possible special law, judicial order, or future event. **H/P**. |\n| **S_AZ-P06-C107** | Current application/renewal operational contents were not established. | S025–S026, S029–S035: 403/inaccessible bodies, empty compiler pages, or generic redirects. | Statutory/rule requirements are answerable; current MU forms, attachments, invoice handling, and exact portal workflow remain **held**. |\n| **S_AZ-P06-C108** | A working live public lookup workflow was not verified. | S027 DIFI route returned 403; S028 NMLS Consumer Access returned 404 through this tool. | This does not establish general service unavailability. No named entity was queried or cleared. **Held**. |\n| **S_AZ-P06-C109** | Current L-CAR/reporting and prescribed bond-form details were not read. | S034 form route failed; S035 library alternate failed; S033 company checklist redirected. | Reporting year, start-up treatment, cents rounding, current bond wording, and extra required security conditions remain **held**. |\n| **S_AZ-P06-C110** | The official judicial administrative inventory lists fifteen Arizona counties. | S024, “Arizona Superior Courts’ Contact Information” body. | Inventory only; no county rule, municipal permit, court calendar, or local practice was validated. **H** inventory only. |\n\nThe official general-effective-date page distinguishes the 2021, 2022, and 2023 dates above. The affected-section tables were read as tables, not as substitutes for the operative amendments themselves. [azleg.gov+8](https://www.azleg.gov/general-effective-dates/?utm_source=chatgpt.com)\n\n# 7. Complete material source register\n\n## 7.1 Statutory compilations and exact section URLs\n\n**Common statutory status:** these are freshly read Arizona Legislature compilation bodies. The Legislature’s wrapper warns that its online compilation is maintained for drafting and reflects the version effective January 1 following the latest session; it identifies the printed publication as the official version. The selected enactment/currentness checks in S010–S016 narrow that limitation for this gateway. They do not certify every cross-reference’s complete historical chain.\n\n**Method/access for every row in this subsection:** public HTTPS text-body retrieval, **October 27, 2026**. Exact opening time UNKNOWN. “Full” means the listed section body was read, not the entire statutory title.\n\n| Source ID / issuer-document | Direct literal HTTPS URLs | Material body read / precise scope |\n| --- | --- | --- |\n| **S_AZ-P06-S001 — Arizona Legislature, A.R.S. Title 32, Chapter 9 and military-renewal cross-reference** | [https://www.azleg.gov/arsDetail/?title=32](https://www.azleg.gov/arsDetail/?title=32&utm_source=chatgpt.com) [https://www.azleg.gov/ars/32/01001.htm](https://www.azleg.gov/ars/32/01001.htm?utm_source=chatgpt.com) [https://www.azleg.gov/ars/32/01004.htm](https://www.azleg.gov/ars/32/01004.htm?utm_source=chatgpt.com) [https://www.azleg.gov/ars/32/01021.htm](https://www.azleg.gov/ars/32/01021.htm?utm_source=chatgpt.com) [https://www.azleg.gov/ars/32/01022.htm](https://www.azleg.gov/ars/32/01022.htm?utm_source=chatgpt.com) [https://www.azleg.gov/ars/32/01023.htm](https://www.azleg.gov/ars/32/01023.htm?utm_source=chatgpt.com) [https://www.azleg.gov/ars/32/01024.htm](https://www.azleg.gov/ars/32/01024.htm?utm_source=chatgpt.com) [https://www.azleg.gov/ars/32/01025.htm](https://www.azleg.gov/ars/32/01025.htm?utm_source=chatgpt.com) [https://www.azleg.gov/ars/32/01026.htm](https://www.azleg.gov/ars/32/01026.htm?utm_source=chatgpt.com) [https://www.azleg.gov/ars/32/01027.htm](https://www.azleg.gov/ars/32/01027.htm?utm_source=chatgpt.com) [https://www.azleg.gov/ars/32/01028.htm](https://www.azleg.gov/ars/32/01028.htm?utm_source=chatgpt.com) [https://www.azleg.gov/ars/32/01051.htm](https://www.azleg.gov/ars/32/01051.htm?utm_source=chatgpt.com) [https://www.azleg.gov/ars/32/01053.htm](https://www.azleg.gov/ars/32/01053.htm?utm_source=chatgpt.com) [https://www.azleg.gov/ars/32/01055.htm](https://www.azleg.gov/ars/32/01055.htm?utm_source=chatgpt.com) [https://www.azleg.gov/ars/32/01056.htm](https://www.azleg.gov/ars/32/01056.htm?utm_source=chatgpt.com) [https://www.azleg.gov/ars/32/01057.htm](https://www.azleg.gov/ars/32/01057.htm?utm_source=chatgpt.com) [https://www.azleg.gov/ars/32/04301.htm](https://www.azleg.gov/ars/32/04301.htm?utm_source=chatgpt.com) | Full operative listed section bodies: definitions, all exemptions, application/security, qualifications, reciprocity, renewal, issuance/control, provisional licenses, fees cross-reference, retained duties, discipline, unlawful acts/penalties, and §32-4301(A)–(F). Wrapper/index distinguished from operative bodies. |\n| **S_AZ-P06-S002 — Arizona Legislature, A.R.S. Title 6, regulatory/fee/cross-exemption provisions** | [https://www.azleg.gov/ars/6/00101.htm](https://www.azleg.gov/ars/6/00101.htm?utm_source=chatgpt.com) [https://www.azleg.gov/ars/6/00110.htm](https://www.azleg.gov/ars/6/00110.htm?utm_source=chatgpt.com) [https://www.azleg.gov/ars/6/00123.htm](https://www.azleg.gov/ars/6/00123.htm?utm_source=chatgpt.com) [https://www.azleg.gov/ars/6/00123-01.htm](https://www.azleg.gov/ars/6/00123-01.htm?utm_source=chatgpt.com) [https://www.azleg.gov/ars/6/00125.htm](https://www.azleg.gov/ars/6/00125.htm?utm_source=chatgpt.com) [https://www.azleg.gov/ars/6/00126.htm](https://www.azleg.gov/ars/6/00126.htm?utm_source=chatgpt.com) [https://www.azleg.gov/ars/6/00132.htm](https://www.azleg.gov/ars/6/00132.htm?utm_source=chatgpt.com) [https://www.azleg.gov/ars/6/00136.htm](https://www.azleg.gov/ars/6/00136.htm?utm_source=chatgpt.com) [https://www.azleg.gov/ars/6/00137.htm](https://www.azleg.gov/ars/6/00137.htm?utm_source=chatgpt.com) [https://www.azleg.gov/ars/6/00710.htm](https://www.azleg.gov/ars/6/00710.htm?utm_source=chatgpt.com) [https://www.azleg.gov/ars/6/01401.htm](https://www.azleg.gov/ars/6/01401.htm?utm_source=chatgpt.com) | Listed bodies read. Material reliance: regulator/enterprise definitions; §6-123(8); fingerprint authority; §6-125(B)(4), (C), (D); §6-126(A)(15), (16)–(17), (22), (B), (D)(3); retained enforcement cross-references; **only §6-710(3)–(4)** for the necessary cross-exemption boundary; premium-finance definition. The first attempted fee URL, [https://www.azleg.gov/ars/06/00126.htm](https://www.azleg.gov/ars/06/00126.htm), failed; the correct /6/ route succeeded. |\n| **S_AZ-P06-S003 — Arizona Legislature, A.R.S. Title 20** | [https://www.azleg.gov/ars/20/00102.htm](https://www.azleg.gov/ars/20/00102.htm?utm_source=chatgpt.com) [https://www.azleg.gov/ars/20/00485.htm](https://www.azleg.gov/ars/20/00485.htm?utm_source=chatgpt.com) [https://www.azleg.gov/ars/20/00485-09.htm](https://www.azleg.gov/ars/20/00485-09.htm?utm_source=chatgpt.com) | Full listed bodies read. Material: DIFI Director framework; §20-485 administrator/charges/insurer definitions and exclusions; §20-485.09(B), including the inactive-account restriction. Full insurance licensing dossier not undertaken. |\n| **S_AZ-P06-S004 — Arizona Legislature, A.R.S. Title 41 licensing/administrative provisions** | [https://www.azleg.gov/ars/41/01001.htm](https://www.azleg.gov/ars/41/01001.htm?utm_source=chatgpt.com) [https://www.azleg.gov/ars/41/01072.htm](https://www.azleg.gov/ars/41/01072.htm?utm_source=chatgpt.com) [https://www.azleg.gov/ars/41/01073.htm](https://www.azleg.gov/ars/41/01073.htm?utm_source=chatgpt.com) [https://www.azleg.gov/ars/41/01075.htm](https://www.azleg.gov/ars/41/01075.htm?utm_source=chatgpt.com) [https://www.azleg.gov/ars/41/01076.htm](https://www.azleg.gov/ars/41/01076.htm?utm_source=chatgpt.com) [https://www.azleg.gov/ars/41/01077.htm](https://www.azleg.gov/ars/41/01077.htm?utm_source=chatgpt.com) [https://www.azleg.gov/ars/41/01092-02.htm](https://www.azleg.gov/ars/41/01092-02.htm?utm_source=chatgpt.com) [https://www.azleg.gov/ars/41/01092-03.htm](https://www.azleg.gov/ars/41/01092-03.htm?utm_source=chatgpt.com) [https://www.azleg.gov/ars/41/01092-11.htm](https://www.azleg.gov/ars/41/01092-11.htm?utm_source=chatgpt.com) | Listed bodies read. Material: §41-1001 licensing and advisory-policy definitions; timeframe definitions, extensions, decisions/refunds; applicability; §41-1092.03(B) hearing-request cross-reference; §41-1092.11 timely renewal and hearing provisions. Complete administrative adjudication/appeal dossier remains open. |\n| **S_AZ-P06-S005 — Arizona Legislature, A.R.S. §12-543** | [https://www.azleg.gov/ars/12/00543.htm](https://www.azleg.gov/ars/12/00543.htm?utm_source=chatgpt.com) | Full section read; reliance confined to **paragraph 3**, because §32-1022(G) expressly incorporates its fraud/mistake discovery treatment. No P05 rerun or actual limitation calculation. |\n| **S_AZ-P06-S006 — Arizona Legislature, A.R.S. §47-1201** | [https://www.azleg.gov/ars/47/01201.htm](https://www.azleg.gov/ars/47/01201.htm?utm_source=chatgpt.com) | Body read; material reliance confined to **(B)(23), “insolvent,”** as incorporated by §32-1053(A)(1). No imported UCC consumer-purpose limitation. Federal bankruptcy-insolvency application not completed. |\n\n## 7.2 Rules, enactments, official interpretation notice, and currentness records\n\nAll rows below were accessed **October 27, 2026**, through public text/PDF-body retrieval. PDF indices are **zero-based**.\n\n| Source ID | Issuer / title / direct literal URL | Version, effect, actual read scope, and limitations |\n| --- | --- | --- |\n| **S_AZ-P06-S007** | Arizona Secretary of State / DIFI, **20 A.A.C. 4, Supplement 25-4**. [https://apps.azsos.gov/public_services/Title_20/20-04.pdf](https://apps.azsos.gov/public_services/Title_20/20-04.pdf?utm_source=chatgpt.com) | Fresh operative text: R101–102, R104–105, R107 and Table A; R1405; R1501–1509 and R1515–1521, with relevant histories. Pinpoints: R102 printed pp. 5–7/PDF 6–8; R105 pp. 7–8/PDF 8–9; R107/Table A pp. 9–10/PDF 10–11; R1405 p. 37/PDF 38; R1501–1502 pp. 38–39/PDF 39–40; R1503–1505 pp. 39–40/PDF 40–41; R1506–1509 p. 40/PDF 41; R1515–1519 p. 42/PDF 43; R1520–1521 pp. 42–43/PDF 43–44. Current posted compilation, not an all-later-rulemaking certificate. No claim of visual inspection. |\n| **S_AZ-P06-S008** | DIFI/SOS, **2023 final rulemaking R23-162**, 29 A.A.R. 1961–1968. [https://apps.azsos.gov/public_services/register/2023/35/contents.pdf](https://apps.azsos.gov/public_services/register/2023/35/contents.pdf?utm_source=chatgpt.com) | Published **Sept. 1, 2023**; preamble item 3 effective **Oct. 2, 2023**. Fresh preamble and material Article 15 text, including applications, changes, names, counsel, and security-related record/receipt provisions. Printed pp. 1961–1968/PDF 46–53. Other notices in the same issue are not treated as this rulemaking. |\n| **S_AZ-P06-S009** | DIFI/SOS, **2025 final rulemaking R25-15**, 31 A.A.R. 533–543. [https://apps.azsos.gov/public_services/register/2025/7/contents.pdf](https://apps.azsos.gov/public_services/register/2025/7/contents.pdf?utm_source=chatgpt.com) | Published **Feb. 14, 2025**; item 4 effective **Apr. 6, 2025**. Fresh material preamble; remote-work definition p. 539/PDF 34; full R105 pp. 540–541/PDF 35–36; R107 pp. 541–542/PDF 36–37; collection-agency Table A row p. 543/PDF 38. Redline extraction checked against clean Code text. |\n| **S_AZ-P06-S010** | Arizona Legislature, **Laws 2021, ch. 356, SB1463**. [https://www.azleg.gov/legtext/55leg/1r/laws/0356.htm](https://www.azleg.gov/legtext/55leg/1r/laws/0356.htm?utm_source=chatgpt.com) | Fresh §8 fee amendment; §§296–305 collection-agency changes; §356 retroactivity and approval/filed notations. Approved/filed **May 10, 2021**. Relevant general-effective date **Sept. 29, 2021**, S013. The express retroactivity clause applies to another identified provision, not all collection-agency changes. |\n| **S_AZ-P06-S011** | Arizona Legislature, **Laws 2022, ch. 59, HB2612**. [https://www.azleg.gov/legtext/55leg/2r/laws/0059.htm](https://www.azleg.gov/legtext/55leg/2r/laws/0059.htm?utm_source=chatgpt.com) | Fresh §§51–54, plus end/approval record. Approved/filed **March 24, 2022**; general-effective date **Sept. 24, 2022**, S013. Selected Chapter 9 changes read; no claim to have analyzed every profession amended by the act. |\n| **S_AZ-P06-S012** | Arizona Legislature, **Laws 2023, ch. 152, HB2010**. [https://www.azleg.gov/legtext/56leg/1R/laws/0152.htm](https://www.azleg.gov/legtext/56leg/1R/laws/0152.htm?utm_source=chatgpt.com) | Fresh §1 NMLS authority, §12 collection-agency renewal, and approval/filed/end provisions. Approved **May 19**, filed **May 22, 2023**; general-effective date **Oct. 30, 2023**, S013. |\n| **S_AZ-P06-S013** | Arizona Legislature, **General Effective Dates**. [https://www.azleg.gov/general-effective-dates/](https://www.azleg.gov/general-effective-dates/?utm_source=chatgpt.com) | Fresh table rows for 2021–2026. Supports the session dates, not an inference that every act lacks special effective provisions. |\n| **S_AZ-P06-S014** | Arizona Legislative Council, **2024 Table of Sections Affected**. [https://www.azleg.gov/alisPDFs/council/TOSA_56th_2nd_Regular.pdf](https://www.azleg.gov/alisPDFs/council/TOSA_56th_2nd_Regular.pdf?utm_source=chatgpt.com) | Dated **July 12, 2024**, chapters 1–259. Fresh relevant Title 6 block, printed p. 2/PDF 1; Title 32 rows including the §32-906 to §32-1107 interval, p. 10/PDF 9, and adjoining relevant blocks. Official affected-section table, not operative enactment text. |\n| **S_AZ-P06-S015** | Arizona Legislative Council, **2025 Table of Sections Affected**. [https://www.azleg.gov/alisPDFs/council/TOSA_57th_1st_Regular.pdf](https://www.azleg.gov/alisPDFs/council/TOSA_57th_1st_Regular.pdf?utm_source=chatgpt.com) | Dated **July 18, 2025**, chapters 1–265. Fresh Title 6 block pp. 1–2/PDF 0–1 and Title 32 block p. 10/PDF 9. No Chapter 9/§6-126 amendment listed in the relevant blocks. |\n| **S_AZ-P06-S016** | Arizona Legislative Council, **2026 Table of Sections Affected**. [https://www.azleg.gov/alisPDFs/council/TOSA_57th_2nd_Regular.pdf](https://www.azleg.gov/alisPDFs/council/TOSA_57th_2nd_Regular.pdf?utm_source=chatgpt.com) | Dated **Aug. 19, 2026**, chapters 1–264. Fresh Title 6 block p. 2/PDF 1 and Title 32 blocks pp. 10–12/PDF 9–11, including the gap around Chapter 9. Future-effective entries elsewhere are not imported into this gateway. |\n| **S_AZ-P06-S017** | DIFI/SOS, **Notice of Substantive Policy Statement M20-48**, describing Regulatory Bulletin 2021-01. [https://apps.azsos.gov/public_services/register/2020/43/contents.pdf](https://apps.azsos.gov/public_services/register/2020/43/contents.pdf?utm_source=chatgpt.com) | **Fresh full notice items 1–7**, printed p. 2772/PDF 39. Notice says bulletin issued **Sept. 18, 2020**, effective **Sept. 28, 2020**; notice published **Oct. 23, 2020**. Official published summary of branch policy, **not the full bulletin and not a rule**. Advisory-policy status supported by §41-1001(24). Current withdrawal/supersession status not fully verified. |\n\n## 7.3 Published decisions, federal text, and administrative inventory\n\nAll accessed **October 27, 2026**; exact opening times UNKNOWN.\n\n| Source ID | Issuer / title / direct literal URL | Actual read scope, version/status, and limitation |\n| --- | --- | --- |\n| **S_AZ-P06-S018** | Arizona Court of Appeals, **Cruz v. Lusk Collection Agency**, June 6, 1978; **CaseMine reproduction**. [https://www.casemine.com/judgement/us/5914c57badd7b049347d4712](https://www.casemine.com/judgement/us/5914c57badd7b049347d4712?utm_source=chatgpt.com) | Full reproduced majority body read through affirmance; Howard opinion, Richmond/Hathaway concurrence. Unpaginated HTML; pinpoints are the valid-assignment, statutory-framework, and final unauthorized-practice discussion paragraphs. Reporter-page pinpoint not independently verified. Initial route [https://law.justia.com/cases/arizona/court-of-appeals/1978/119-ariz-356.html](https://law.justia.com/cases/arizona/court-of-appeals/1978/119-ariz-356.html) failed; reproduction succeeded. Hosting/authentication and later-treatment limits disclosed. |\n| **S_AZ-P06-S019** | CFPB, **Regulation F and official interpretations**. [https://www.consumerfinance.gov/rules-policy/regulations/1006/1/](https://www.consumerfinance.gov/rules-policy/regulations/1006/1/?utm_source=chatgpt.com) [https://www.consumerfinance.gov/rules-policy/regulations/1006/2/](https://www.consumerfinance.gov/rules-policy/regulations/1006/2/?utm_source=chatgpt.com) [https://www.consumerfinance.gov/rules-policy/regulations/1006/108/](https://www.consumerfinance.gov/rules-policy/regulations/1006/108/?utm_source=chatgpt.com) [https://www.consumerfinance.gov/rules-policy/regulations/1006/versions/1/](https://www.consumerfinance.gov/rules-policy/regulations/1006/versions/1/?utm_source=chatgpt.com) | Fresh material bodies: §§1006.1(c), 1006.2(e), (g)–(i), comments 2(h)-1/2(i)-1, and §1006.108. Versions page labels **April 19, 2023** current. CFPB expressly says this electronic resource is not the official CFR/Federal Register edition. Official eCFR verification route [https://www.ecfr.gov/current/title-12/chapter-X/part-1006/section-1006.2](https://www.ecfr.gov/current/title-12/chapter-X/part-1006/section-1006.2) was inaccessible; CFPB body was the readable official-agency alternate. Original commencement/adoption chain and special linked regimes remain partial. |\n| **S_AZ-P06-S020** | U.S. Supreme Court, **Henson v. Santander**, June 12, 2017. [https://www.supremecourt.gov/opinions/16pdf/16-349_c07d.pdf](https://www.supremecourt.gov/opinions/16pdf/16-349_c07d.pdf?utm_source=chatgpt.com) | **Full opinion pp. 1–11/PDF 2–12** read. Official posted slip opinion; syllabus distinguished from opinion. Unanimous judgment affirming. Formal reporter edition and full later history not separately verified. |\n| **S_AZ-P06-S021** | Ninth Circuit, **McAdory**, March 9, 2020, “FOR PUBLICATION.” [https://cdn.ca9.uscourts.gov/datastore/opinions/2020/03/09/18-35923.pdf](https://cdn.ca9.uscourts.gov/datastore/opinions/2020/03/09/18-35923.pdf?utm_source=chatgpt.com) | **Full majority pp. 3–17/PDF 2–16** read, including pleading posture and remand limits. Christen/Farris majority; Bea dissent begins p. 17/PDF 16. Staff summary is not the holding; dissent not relied upon. |\n| **S_AZ-P06-S022** | Ninth Circuit, **Kaiser v. Cascade Capital**, March 9, 2021, “FOR PUBLICATION.” [https://cdn.ca9.uscourts.gov/datastore/opinions/2021/03/09/19-35151.pdf](https://cdn.ca9.uscourts.gov/datastore/opinions/2021/03/09/19-35151.pdf?utm_source=chatgpt.com) | **Partial fresh read:** publication/date/panel header and p. 9 n.7/PDF 8 for limited McAdory treatment. No assertion that the whole opinion was read or that its limitations analysis is part of PASS-06. |\n| **S_AZ-P06-S023** | U.S. House Office of Law Revision Counsel / GovInfo, **15 U.S.C. §1692a** attempted official bodies. [https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title15-section1692a&num=0&edition=prelim](https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title15-section1692a&num=0&edition=prelim) [https://www.govinfo.gov/content/pkg/USCODE-2025-title15/html/USCODE-2025-title15-chap41-subchapV-sec1692a.htm](https://www.govinfo.gov/content/pkg/USCODE-2025-title15/html/USCODE-2025-title15-chap41-subchapV-sec1692a.htm) | **Failed fetches:** first route returned 404 through retrieval; different official GovInfo alternate was inaccessible. No full current statutory body read. Second URL is a 2025-edition route, not evidence of 2026 currentness. Hold retained. |\n| **S_AZ-P06-S024** | Arizona Judicial Branch, **Arizona Superior Courts’ Contact Information**. [https://www.azcourts.gov/clerkofcourt/Contact-Us](https://www.azcourts.gov/clerkofcourt/Contact-Us?utm_source=chatgpt.com) | Fresh inventory body naming all fifteen counties. Administrative inventory only; no outbound county practice pages, private cases, or calendars queried. |\n\n## 7.4 Operational sources, failures, and discovery-only material\n\nAll checked **October 27, 2026**. None establishes a named provider’s authorization.\n\n| Source ID | Issuer / title / direct literal URL | Actual result, version limitation, and exact disposition |\n| --- | --- | --- |\n| **S_AZ-P06-S025** | DIFI, Financial Enterprises licensing. [https://difi.az.gov/licensing/financial-enterprises](https://difi.az.gov/licensing/financial-enterprises?utm_source=chatgpt.com) | **403; body not read.** Paired with genuinely different collection-agency page S026; current operational instructions held. |\n| **S_AZ-P06-S026** | DIFI, Collection Agencies NMLS. [https://difi.az.gov/collection-agencies-nmls](https://difi.az.gov/collection-agencies-nmls?utm_source=chatgpt.com) | **403; body not read.** Indexed extracts are discovery only. No live application procedure inferred. |\n| **S_AZ-P06-S027** | DIFI, License Search. [https://difi.az.gov/license-search](https://difi.az.gov/license-search?utm_source=chatgpt.com) | **403; body not read.** Different public search-channel alternate S028 also failed. |\n| **S_AZ-P06-S028** | NMLS Consumer Access. [https://www.nmlsconsumeraccess.org/](https://www.nmlsconsumeraccess.org/) | **404 through retrieval.** No conclusion that the service is generally unavailable; no entity search performed. |\n| **S_AZ-P06-S029** | DIFI, Collection Agency NMLS Renewal Checklist. [https://difi.az.gov/sites/default/files/FE-LC-RN-CA_NMLSRenewalChecklist.pdf](https://difi.az.gov/sites/default/files/FE-LC-RN-CA_NMLSRenewalChecklist.pdf?utm_source=chatgpt.com) | **403; full checklist/version not read.** Alternate S030 unavailable. |\n| **S_AZ-P06-S030** | DIFI, Collection Agency Renewal Instructions. [https://difi.az.gov/sites/default/files/Collection%20Agency%20Renewal%20Instructions%20-%20FINAL_0.pdf](https://difi.az.gov/sites/default/files/Collection%20Agency%20Renewal%20Instructions%20-%20FINAL_0.pdf?utm_source=chatgpt.com) | Retrieval reported inaccessible/no readable body. Indexed January 1 and transition/billing excerpts were **not** adopted as current instructions. Exact full version held. |\n| **S_AZ-P06-S031** | NMLS, new-application checklist compiler. [https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/stateresourcecenter/SitePages/Checklist-Compiler.aspx](https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/stateresourcecenter/SitePages/Checklist-Compiler.aspx?utm_source=chatgpt.com) | **Zero readable checklist lines.** Direct company-checklist alternate S033 redirected. |\n| **S_AZ-P06-S032** | NMLS, annual-renewal checklist compiler. [https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/stateresourcecenter/SitePages/Annual-Renewal-Checklist-Compiler.aspx](https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/stateresourcecenter/SitePages/Annual-Renewal-Checklist-Compiler.aspx?utm_source=chatgpt.com) | **Zero readable checklist lines.** DIFI renewal-document routes S029–S030 also unavailable; no inferred current renewal fields. |\n| **S_AZ-P06-S033** | NMLS, Arizona Collection Agency company new-application checklist. [https://mortgage.nationwidelicensingsystem.org/slr/PublishedStateDocuments/AZ_Collection_Agency_License-Company-New-App-Checklist.pdf](https://mortgage.nationwidelicensingsystem.org/slr/PublishedStateDocuments/AZ_Collection_Agency_License-Company-New-App-Checklist.pdf?utm_source=chatgpt.com) | Redirected to generic [https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/stateresourcecenter/SitePages/Home.aspx](https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/stateresourcecenter/SitePages/Home.aspx); **zero readable checklist body**. No actual company checklist/version established. |\n| **S_AZ-P06-S034** | DIFI, L-CAR form route. [https://difi.az.gov/sites/default/files/l-car_2025-01_f.pdf](https://difi.az.gov/sites/default/files/l-car_2025-01_f.pdf?utm_source=chatgpt.com) | **403.** Filename/index suggest a 2025-01 form, but full contents/revision/operative applicability were not verified. S035 alternate failed. |\n| **S_AZ-P06-S035** | DIFI, Licensing Document Library. [https://difi.az.gov/licensing-document-library](https://difi.az.gov/licensing-document-library?utm_source=chatgpt.com) | **403.** No current prescribed bond instrument, reporting instructions, or attachment set read. |\n| **S_AZ-P06-S036** | DIFI bulletin 2021-01, attempted full text and SOS archived copy. [https://difi.az.gov/sites/default/files/Collection%20Agency%20Branches%20-%20Licensing%2009.18.2020.pdf](https://difi.az.gov/sites/default/files/Collection%20Agency%20Branches%20-%20Licensing%2009.18.2020.pdf) [https://apps.azsos.gov/public_services/register/2020/Notice_Archive/M20-48.pdf](https://apps.azsos.gov/public_services/register/2020/Notice_Archive/M20-48.pdf?utm_source=chatgpt.com) | DIFI route **403**; SOS alternate yielded four PDF pages but **no extracted body**. Screenshot attempts did not return usable images for inspection; **no visual reading is claimed**. S017 is a different, readable published notice supporting only its stated summary. |\n| **S_AZ-P06-S037** | NMLS, historical Arizona Collection Agency branch checklist. [https://mortgage.nationwidelicensingsystem.org/slr/PublishedStateDocuments/AZ_Collection_Agency_License-Branch-New-App-Checklist.pdf](https://mortgage.nationwidelicensingsystem.org/slr/PublishedStateDocuments/AZ_Collection_Agency_License-Branch-New-App-Checklist.pdf?utm_source=chatgpt.com) | **Index/discovery only**, associated with a September 10, 2019 date. Full body not opened or used as current authority. It cannot override S010/S017. |\n\n**Next operational evidence:** obtain readable, versioned public DIFI/NMLS company and renewal instructions, the current prescribed bond instrument and L-CAR instructions, the current published fee schedule, and a readable public lookup landing/workflow. This pass stops at the documented retrieval limits; it does not substitute snippets, require an account, or perform an entity lookup.\n\n# 8. Twenty new fictional postures\n\nThese are classification illustrations. None is an actual business, license, debtor, account, or authorization decision.\n\n| No. | Fictional posture | Conditional result / adverse branch | Claims |\n| --- | --- | --- | --- |\n| 1 | A furniture merchant collects only receivables it originated, using its true name. | Distinguish it from collecting another’s claim. The bounded own-creditor inference requires the facts to remain true. | C001, C006 |\n| 2 | The same merchant sends demands under a name suggesting an unrelated collection company. | The express own-debt/other-name limb is implicated even though the merchant owns the accounts. | C004 |\n| 3 | A purchaser buys defaulted consumer accounts for a fully paid price, with passed title and no recourse. | No blanket Arizona exemption established. Federal analysis separately tests principal purpose and regular collection for another. | C007, C084, C093–C095 |\n| 4 | A purchase agreement lets the buyer return uncollected accounts to the seller. | Recourse is expressly material to Arizona’s purchased-claim inclusion; the “sale” label is insufficient. | C002 |\n| 5 | A contractor services accounts obtained before default and later sends collection demands. | Nondefault acquisition can matter federally; Arizona has no general equivalent servicer/default exclusion in the read text. | C005, C033, C091 |\n| 6 | A group company collects only for ordinary retail affiliates, but collection is its principal business. | Neither Arizona’s insured-depository affiliate predicate nor the federal noncollection-principal-business condition is established. | C029, C087 |\n| 7 | A sister company collects only for its commonly controlled federally insured bank and the bank’s affiliates. | A(14) may apply if every institutional, relationship, exclusivity, and regular-course predicate is proved. Retained duties remain. | C013, C029 |\n| 8 | An individual is a genuine salaried credit employee; another performs identical tasks through a separate contracting business. | The first may invoke A(2). The independent contractor cannot invoke that exemption merely because compensation is described as salary. | C015 |\n| 9 | A licensed collection agency uses a genuine employee from a remote residence. | Employee and remote-work predicates must both be met, including supervision/security/no physical records. This does not license a separate contractor. | C010, C020 |\n| 10 | An attorney handles collections within legal practice; a separate agency advertises that the attorney owns it. | Analyze the attorney’s regular-course exemption separately from the company. Ownership does not automatically transmit the exemption. | C014, C098 |\n| 11 | A medical-billing vendor accepts only current accounts, sends the two permitted creditor-name notices, makes no demand, and never accesses money. | All A(13)/C conditions must remain satisfied. Receiving insurer payments or accepting already-past-due accounts defeats reliance on that paragraph. | C027–C028 |\n| 12 | A licensed insurance administrator proposes to collect charges on an account inactive for thirteen months. | The specific more-than-twelve-month restriction requires a collection-agency license for that collection. | C031–C032 |\n| 13 | A landlord collects its own rent; a different property service collects for several landlords. | Own-debt classification differs from collection for others. A licensed real-estate-broker exemption requires actual broker status and regular-course activity. | C006, C019 |\n| 14 | A lender finances business receivables but also takes consumer receivables and purchases distressed claims primarily to collect them. | A(12) must be separated transaction by transaction; consumer purpose and collection-primary-purpose branches do not satisfy its stated predicates. | C026 |\n| 15 | A collector has no Arizona office but directly pursues Arizona residents. | Physical absence does not establish exemption. The bond statute expressly counts that business; the complete territorial licensing boundary remains held pending authoritative construction and facts. | C008–C009, C012 |\n| 16 | An out-of-state agency forwards an account to an Arizona-licensed agency and conducts no assumed additional activity. | Section 32-1055(B)’s forwardee savings clause is relevant; it does not resolve a different direct-contact posture. | C011 |\n| 17 | A licensee opens another physical office, adds a second trade name, and sells 25% voting control. | These are three distinct events: branch policy, separate business-name license, and prior written control consent. | C048, C052–C054 |\n| 18 | An agency’s active manager leaves, and management assumes the agency can continue indefinitely. | The 10-day notice/90-day replacement conditions and any properly granted provisional route must be examined. | C049–C050 |\n| 19 | A licensee files renewal late; another timely files a sufficient renewal still pending agency action. | The first faces the statutory suspension/expiration sequence. The second raises the unresolved §41-1092.11 interaction; neither is cleared from a submission receipt. | C042–C047 |\n| 20 | A surety gives cancellation notice; a consumer separately alleges loss and demands the full bond amount. | Replacement must be filed before termination to avoid the stated license consequence. The alleged loss does not establish claimant status, covered injury, or entitlement to the penal sum. | C068–C081 |\n\n# 9. Four fully worked conditional models\n\nAll amounts below are fictional **U.S. dollars**. The government figures come from the identified text; private amounts are expressly stipulated. No actual filing, collection, exemption, license, or claim decision follows from the arithmetic.\n\n## Model 1 — Initial identified outlay, proration, and denial\n\n**Authority:** C058–C062, C066, C068; S001 §32-1022; S002 §6-126(A)(15), (B), (D)(3).\n\nAssumptions:\n\n- One original collection-agency license application.\n- For arithmetic only, the applicable official procedure is assumed to have established **two quarters remaining**. This pass did not verify how the current system assigns partial quarters.\n- Required bond penal sum has separately been determined, for the hypothetical, as $10,000.\n- Private surety premium is **stipulated at $240**; it is not a verified market quote.\n- R = any separately applicable business-entity registration charge, if established.\n- S = verified-applicable NMLS/system charges, presently unknown.\n- F = verified-applicable fingerprint charges, presently unknown.\n\nPlain-text calculation:\n\nPlain text\n```\nAnnual statutory amount                    = $600\nQuarter fraction                           = 2 / 4\nInitial prorated annual assessment          = $600 × 2 / 4 = $300\n\nApplication fee                            = $1,500\nIdentified initial state subtotal          = $1,500 + $300 = $1,800\n\nStipulated private premium                 = $240\nIdentified cash outlay with that premium   = $1,800 + $240 = $2,040\n\nConditional total                          = $2,040 + R + S + F\nBond penal sum                             = $10,000, recorded separately\n```\n\n**Units/rounding:** dollars; the divisions produce exact whole dollars; no rounding rule is assumed.\n\n**Adverse branches:**\n\n- If the accepted quarter count is three rather than two: $600 × 3/4 = $450; identified state subtotal becomes $1,950; with the same stipulated premium, $2,190 + R + S + F.\n- If the application is denied, the stipulated two-quarter annual assessment refund is **$300**. The ordinary statutory application-fee rule leaves **$1,500** nonrefundable, subject to the separately applicable agency-delay rule if its predicates are actually met. Premium refundability depends on an unread private contract.\n- A second business name cannot be treated as merely a free additional office. The separate-license requirement applies; the complete operational invoice treatment remains held.\n- **Do not add $10,000 to expenses merely because it is the bond’s penal sum.** A cash alternative would involve separately restricted cash, not the stipulated $240 surety premium.\n- No separate collection-agency “registration fee” beyond the verified application/assessment charges was established. R does not assert that such an extra fee is necessarily owed.\n\n## Model 2 — Arizona-connected gross income and a tier boundary\n\n**Authority:** C009, C067, C109; S001 §32-1021(B)(2), (D).\n\nAssumptions:\n\n- This is an existing licensee’s hypothetical renewal.\n- For this model only, the accepted preceding-year reporting window is **January 1–December 31, 2025**. That calendar-year choice is an assumption, not a verified current L-CAR instruction.\n- Each amount below is stipulated to qualify as the licensee’s **gross annual income**, not client money merely passing through.\n- Categories are mutually exclusive, so the same income is not counted twice.\n\nPlain text\n```\nIncome from Arizona-resident debtors                       = $120,000\nAdditional income from Arizona-office activity             =  $80,000\nAdditional income for Arizona-resident creditors           =  $50,000\n\nQualifying, nonduplicated base                              = $250,000\nOperator                                                   = tier lookup\n\"Not over $250,000\" minimum bond                            =  $10,000\n```\n\nAlternative:\n\nPlain text\n```\nAdditional qualifying income                              =       $1\nRevised base                                               = $250,001\n\"$250,001 to $500,000\" minimum bond                         =  $15,000\n\nIncrease in required minimum security                     =   $5,000\n```\n\n**Units/rounding:** dollars; no rounding in either branch.\n\n**Adverse branches and holds:**\n\n- If a receipt is connected to both an Arizona debtor and an Arizona creditor, that does not justify entering the same income twice.\n- Operating expenses are not subtracted merely because the operator would prefer a net-profit base.\n- A base of **$250,000.50** falls between the literal whole-dollar endpoints printed in the table. No current rounding instruction or authoritative interpretation was verified. **Hold that exact tier result.**\n- The $5,000 increase is an increase in minimum security, **not** a $5,000 premium or government fee.\n- Start-up projections, annualization, and the current reporting form’s accounting treatment remain held.\n\n## Model 3 — Collections, agreed client charge, remittance, and remaining loss\n\n**Authority:** C069, C074, C081; S001 §§32-1022(B), 32-1055(D)(1); S007 R20-4-1518.\n\nAssumptions:\n\n- Gross receipts are $10,000.\n- A $500 return/reversal is genuine, documented, and properly credited.\n- The client agreement validly permits a **stipulated $1,900 agency charge**. No debtor charge is added.\n- The agency has already remitted $6,000.\n\nPlain text\n```\nGross receipts                                      = $10,000\nLess documented return/reversal                     =    $500\nNet proceeds available for the stated allocation    =  $9,500\n\nLess stipulated agreed client collection charge     =  $1,900\nAmount due client                                   =  $7,600\n\nLess remittance actually made                       =  $6,000\nUnremitted client balance                           =  $1,600\n```\n\nIf a further $1,000 is actually recovered and credited:\n\nPlain text\n```\nPrior unremitted balance                            =  $1,600\nLess later recovery                                 =  $1,000\nRemaining uncompensated balance                     =    $600\n```\n\n**Units/rounding:** exact dollars; no percentage or rounding assumption.\n\n**Legal conditions and adverse branches:**\n\n- The ordinary statutory remittance clock is **30 days after the last day of the collection month**. No actual calendar date is assigned here.\n- A hypothetical client amount due of **$4.50** qualifies for the text’s additional 30-day deferral; **$5.00 does not** satisfy “less than $5.”\n- If the $500 reversal or $1,900 charge lacks a valid basis, it cannot simply be deducted in this model.\n- The agency’s license fee, bond premium, or other operating cost cannot be inserted as an additional deduction merely because it exists.\n- The $1,600 or $600 balance is not automatically payable by a surety. Covered claimant status, the bond instrument, timely action, prior recoveries, and other defenses remain separate.\n- These client receipts are not automatically the gross-income figure used in Model 2.\n\n## Model 4 — Conditional cash-deposit claim and proportional allocation\n\n**Authority:** C073–C080; S007 R20-4-105(B)–(I).\n\nAssumptions, solely to illustrate the rule’s arithmetic:\n\n- Available deposit in place of bond: $10,000.\n- A qualifying final judgment awards $5,000 compensatory damages and separately $1,000 attorney fees.\n- $1,000 has already been paid toward the judgment and is assumed properly credited against the relevant compensatory recovery.\n- Other properly noticed civil actions seek a total of $16,000 compensatory damages against the same depositor.\n- The agency has made the required determinations; required documents and notices are timely; execution is not stayed; and the statutory release conditions, including the unresolved timing issue in C073, have been resolved in favor of availability for this hypothetical.\n\nPlain text\n```\nCompensatory damages                                  =  $5,000\nAttorney-fee award counted in R105(F) base              =      $0\nLess prior credited payment                           =  $1,000\nConditional R105(F) award                              =  $4,000\n\nOther noticed compensatory damages sought             = $16,000\nDenominator                                           = $4,000 + $16,000\n                                                      = $20,000\n\nAllocation fraction                                   = $4,000 / $20,000\n                                                      = 0.20\n\nConditional proportional deposit payment              = $10,000 × 0.20\n                                                      =  $2,000\n\nUnpaid portion of this $4,000 award after that payment  =  $2,000\n```\n\n**Units/rounding:** dollars and a dimensionless fraction; exact result, no rounding.\n\n**Adverse branches:**\n\n- A default/stipulated/consent judgment without the required injury showing can fail under R105(E).\n- Stayed execution or satisfaction from another source can defeat the claim.\n- The denominator uses the rule’s **damages sought in other noticed actions**, not an invented aggregation of only final judgments.\n- The prior $1,000 is deducted once, not again after the proportional calculation.\n- This model **does not apply to a corporate surety bond** and does not establish immediate disbursement under §32-1022(F).\n\n# 10. Granular component coverage and exact next investigations\n\nStatus meanings: **Answered** means the identified text/limited holding was established for this pass; **Partial** means a material branch remains; **Held** means the specified evidence is missing; **Deferred** means outside this pass’s completion.\n\n## 10.1 Core issue and actor coverage — 30 rows\n\n| Row | Issue / actor | Status / claims | Exact remaining evidence or next action |\n| --- | --- | --- | --- |\n| K01 | Claim, collection agency, person, client/debtor distinctions | Answered — C001–C005 | Actual relationships and obligations remain private facts. |\n| K02 | Consumer versus business accounts | Answered — C005, C026, C083 | Classify actual transaction purpose only in a separately authorized factual review. |\n| K03 | Original creditor using true name | Partial — C006 | Responsive authoritative Arizona construction and actual activity if a concrete determination is needed. |\n| K04 | Original creditor using apparent third-party name | Answered — C004 | Actual communications/name usage held. |\n| K05 | Purchaser with retained recourse/unpaid price/unpassed title | Answered — C002 | Actual purchase terms and performance held. |\n| K06 | Fully paid nonrecourse purchaser | Partial — C007 | Published authoritative Arizona interpretation of the remaining definitional issue. |\n| K07 | Performing/defaulted-account servicer | Partial — C005, C033, C091 | State activity/relationship classification; acquisition/default facts. |\n| K08 | Ordinary affiliate | Answered boundary — C029, C087 | Actual ownership, exclusivity, institutional status, and principal business. |\n| K09 | Insured-depository affiliate | Answered predicates — C029 | Federal insurance, control, and exclusive-client facts held. |\n| K10 | Salaried credit employee versus contractor | Answered — C015 | Actual employment-control/payroll facts held. |\n| K11 | Licensed-agency employee versus separate agent | Answered — C020 | Actual employer/license/relationship facts held. |\n| K12 | Attorney and attorney-connected entity | Partial — C014, C098 | Authoritative entity-level exemption application and actual practice facts. |\n| K13 | Bank/fiduciary/financing-lending institution | Partial — C016 | Charter/status, regular-course activity, and any material federal preemption body. |\n| K14 | Common carrier | Answered predicate — C017 | Actual qualifying status held. |\n| K15 | Title insurer/agent/abstract company doing escrow | Answered — C018 | Actual escrow role and status held. |\n| K16 | Licensed real-estate broker/landlord distinction | Partial — C019 | Broker status and actual activity; landlord merits remain separate. |\n| K17 | Substation payment-office wording | Partial — C021 | Authoritative interpretation of the literal A(8) wording. |\n| K18 | Title 6 Chapter 7 cross-exemption | Answered boundary — C022–C023 | Actual license/regular-course facts; no same-account dual-role clearance. |\n| K19 | Title 6 Chapter 9 cross-exemption | Answered predicate — C024 | Actual qualifying license and activity held. |\n| K20 | Premium-finance license cross-exemption | Answered predicate — C025 | Actual license held; underlying sector dossier deferred. |\n| K21 | Commercial financing transaction | Answered — C026 | Actual primary purpose, assignment/security terms, and debt purpose. |\n| K22 | Accounting/bookkeeping/billing vendor | Answered — C027–C028 | Actual account status at receipt, notice contents, contacts, and money access. |\n| K23 | Licensed insurance-premium collector | Answered predicate — C030 | Specific licensed article and financed-policy authorization. |\n| K24 | Insurance administrator / inactive accounts | Answered — C031–C032 | Actual administrator status, agreement, and inactivity period. |\n| K25 | Nonprofit and other labels | Answered boundary — C033, C090 | A specific state exemption must be demonstrated; label alone insufficient. |\n| K26 | Remote activity and Arizona nexus | Partial — C008–C010 | Authoritative outer territorial construction; actual debtor/creditor/office contacts. |\n| K27 | Reciprocity and out-of-state forwardee | Answered predicates — C011–C012 | Current reciprocity facts and actual allocation of collection activities. |\n| K28 | Branch, business name, and acquisition | Partial — C048, C052–C054 | Current operational change/DBA/branch instructions and specific transaction facts. |\n| K29 | Security metric, continuity, and claimant boundary | Partial — C067–C081 | Current L-CAR/bond instruments; cents/year/start-up treatment; release-timing interpretation. |\n| K30 | Federal comparison and published interpretation | Partial — C082–C100 | Current full §1692a official body; special linked exceptions; bounded further published treatment. |\n\n## 10.2 Workflow and regulatory-actor coverage — 14 rows\n\n| Row | Workflow | Status / claims | Exact remaining evidence or next action |\n| --- | --- | --- | --- |\n| W01 | Identify issuing regulator / NMLS role | Answered — C034 | No particular grant or entity status established. |\n| W02 | Original application / financial statement / security | Partial — C035–C036 | Current prescribed application, attachments, signatures, and financial form. |\n| W03 | Receipt, review, deficiency, decision, issuance | Answered legal sequence — C038–C041 | Actual submission/completeness/decision dates held. |\n| W04 | Fingerprint/background/temporary-license route | Partial — C037 | Current published fee/instruction body and actual agency requirement/grant. |\n| W05 | Annual application/fee deadline | Answered text — C042–C043 | Current portal receipt/cutoff instructions; no real calendar. |\n| W06 | Suspension, January renewal, expiration | Partial — C044–C045, C065 | Late-fee rule amount and authoritative endpoint treatment. |\n| W07 | Timely pending renewal / military qualification | Partial — C046–C047 | Authoritative reconciliation and actual qualifying facts/orders. |\n| W08 | Manager departure / provisional application | Answered text — C049–C050 | Actual departure, notices, replacement, and grant facts. |\n| W09 | Personnel, organizational, name, address changes | Answered text — C048, C051–C053 | Current public amendment checklist and actual event dates. |\n| W10 | Application/annual/proration/refund charges | Partial — C058–C062 | Current quarter assignment, billing procedure, and name-change amount. |\n| W11 | Examination assessment and delinquency | Partial — C063–C064 | Published actual examination rate and actual notice/expense facts. |\n| W12 | Current public application/renewal instructions | Held — C107 | Readable versioned S025–S026/S029–S035 bodies through ordinary public routes. |\n| W13 | Public search route / license result | Held — C108 | Readable current landing/workflow; no named-provider query authorized or performed. |\n| W14 | Deposit claim documents, notice, hearing, release | Partial — C073–C081 | Full Article 12 procedural bodies/current forms and release-timing construction before any real claim analysis. |\n\n## 10.3 Currentness and authority coverage — 9 rows\n\n| Row | Currentness question | Status / claims | Exact missing evidence / next action |\n| --- | --- | --- | --- |\n| V01 | Posted statutory text versus legal effective date | Partial — C101–C106 | Retain compilation disclaimer; extend enactment review if an unexamined cross-reference becomes decisive. |\n| V02 | 2021 fee/administrative amendment | Answered selected chain — C101 | No whole-act or all-sector acceptance. |\n| V03 | 2022 character/renumbering amendment | Answered selected chain — C102 | A(14) complaint cross-reference correction or authoritative construction remains open. |\n| V04 | 2023 collection-agency renewal amendment | Answered selected chain — C103 | Operational implementation and pending-renewal reconciliation remain separate. |\n| V05 | 2023 Article 15 final rulemaking | Answered material adoption — C104 | Broader conduct provisions remain deferred despite incidental reading. |\n| V06 | 2025 Article 1 final rulemaking | Answered material adoption — C105 | Full later 2026 register/court-order certification not performed. |\n| V07 | 2024–2026 statutory amendments screen | Partial — C106 | Tables cover identified regular-session chapters; no universal negative current-law claim. |\n| V08 | Branch policy versus statute/rule | Partial — C054, C101 | Full current bulletin/withdrawal history and operational instructions still unavailable. |\n| V09 | Published cases/federal text currentness | Partial — C082, C093–C100 | Full current §1692a; further material published treatment; no full citator certification. |\n\n## 10.4 Worked-model coverage — 4 rows\n\n| Row | Model | Status / claims | Missing input before real use |\n| --- | --- | --- | --- |\n| E01 | Initial outlay / quarter proration / denial | Conditional arithmetic — C058–C062, C066 | Actual quarter count, invoice, premium contract, applicable registration/system/fingerprint charges. |\n| E02 | Income tier / geographic overlap / cents boundary | Conditional arithmetic — C009, C067 | Current form-defined period/accounting treatment and rounding authority. |\n| E03 | Receipts / return / agreed charge / remittance / remaining balance | Conditional arithmetic — C069 | Actual client agreement, ledger, authorized credits, payment dates, claimant/coverage facts. |\n| E04 | Cash-deposit proportional claim | Conditional arithmetic — C073–C080 | Judgment, documents, notices, stay status, prior payments, other claims, release authority/timing. |\n\n## 10.5 Deferred families — 15 rows\n\n| Row | Deferred family | Status / connection | Exact later work |\n| --- | --- | --- | --- |\n| D01 | Debt management, settlement, credit repair, CROA, consumer-provider fees/proration | Deferred; C022–C023 only necessary boundary | Separate regime-specific research; no P01/P02 reopening or acceptance. |\n| D02 | Full agreements and trust-fund administration | Deferred; C069 limited remittance context | Complete operative contract/trust requirements and practices. |\n| D03 | Full bond/surety coverage and claim litigation | Deferred; C068–C081 gateway only | Prescribed bond, coverage defenses, aggregate/replenishment issues, full procedural/remedial authority. |\n| D04 | Actual provider authorization/status | Held outside this task | No named-entity lookup; requires separately authorized factual verification. |\n| D05 | Collection communications and validation | Deferred | Full Arizona/federal conduct regimes and operative exceptions. |\n| D06 | Debt validity, contract defenses, added fees, merits/evidence | Deferred; C001/C100 boundary | Separate substantive and evidentiary investigation. |\n| D07 | Service, default, vacatur, arbitration, full litigation procedure | Deferred | Court-specific operative rules/orders and actual facts if later authorized. |\n| D08 | Limitations and judgment renewal | Deferred | Preserve separately submitted P05; no inference from licensing. |\n| D09 | Earnings garnishment | Deferred | Preserve unreviewed P03 status. |\n| D10 | Bank/non-earnings garnishment and property exemptions | Deferred | Preserve unreviewed P04 status. |\n| D11 | Secured debt, foreclosure, repossession, homestead | Deferred | Full secured/enforcement and exemption regimes. |\n| D12 | Tax, student, medical, utility, and other sector regimes | Deferred | Medical-billing/administrator actor predicates here do not complete medical-debt law. |\n| D13 | Full state/federal remedies and private causes of action | Deferred | No automatic invalidity, damages, or reimbursement inferred from a licensing violation. |\n| D14 | Special federal actor regimes, bankruptcy, government/private-program exceptions | Deferred/partial — C088, C092 | Read complete materially applicable exception bodies before use. |\n| D15 | Full Arizona, country, parent, A066/A097/A098 acceptance | Open, not accepted | Separate required passes and review; this component supplies no broader acceptance. |\n\n## 10.6 Individual county-local and territorial holds — 18 rows\n\nThe fifteen-county administrative inventory was freshly verified from S024. **None of the following is a local-practice validation.**\n\n| Row | Territory | Status | Exact missing evidence / next action |\n| --- | --- | --- | --- |\n| T01 | Apache County | Held — C110 inventory only | Official local business/office requirements and any selected security-claim court procedure; inspect only when a relevant location/route is specified. |\n| T02 | Cochise County | Held — C110 inventory only | Same categories of official local requirements/procedure; no county practice read. |\n| T03 | Coconino County | Held — C110 inventory only | Official local requirements and any relevant court practice; no local calendar selected. |\n| T04 | Gila County | Held — C110 inventory only | Official local business/office and claim-procedure materials. |\n| T05 | Graham County | Held — C110 inventory only | Official local business/office and claim-procedure materials. |\n| T06 | Greenlee County | Held — C110 inventory only | Official local business/office and claim-procedure materials. |\n| T07 | La Paz County | Held — C110 inventory only | Official local business/office and claim-procedure materials. |\n| T08 | Maricopa County | Held — C110 inventory only | Official county/city requirements and any relevant court procedure; no inference from the statewide DIFI regime. |\n| T09 | Mohave County | Held — C110 inventory only | Official local business/office and claim-procedure materials. |\n| T10 | Navajo County | Held — C110 inventory only | Official local business/office and claim-procedure materials. |\n| T11 | Pima County | Held — C110 inventory only | Official county/city requirements and any relevant court procedure. |\n| T12 | Pinal County | Held — C110 inventory only | Official local business/office and claim-procedure materials. |\n| T13 | Santa Cruz County | Held — C110 inventory only | Official local business/office and claim-procedure materials. |\n| T14 | Yavapai County | Held — C110 inventory only | Official local business/office and claim-procedure materials. |\n| T15 | Yuma County | Held — C110 inventory only | Official local business/office and claim-procedure materials. |\n| T16 | Tribal territory / tribal actors | Deferred | Applicable tribal law, sovereign status, jurisdiction, and any controlling federal/state authority; none assumed from county geography. |\n| T17 | Interstate activity / foreign institutions | Partial — C008–C012, C016 | Complete territorial/preemption/other-state licensing analysis and actual contacts. |\n| T18 | Actual location, court, calendar, company, surety, account, and claim facts | Held | All real facts remain outside this generic public-source pass; no court selection, deadline, or eligibility decision. |\n\n**Separate counts:** 37 source-document IDs; 110 atomic claim IDs; 30 core/actor coverage rows; 14 workflow rows; 9 currentness rows; 4 model-coverage rows; 15 deferred-family rows; 18 territory rows, including 15 individual county holds; 20 fictional postures; 4 worked models; 1 original-row contribution crosswalk. The illustrations and claim tables are not counted again as accepted coverage.\n\n# 11. Exact P01 deferred-row contribution crosswalk\n\n| Original reviewed item and provenance | Original disposition preserved | PASS-06 contribution | What remains |\n| --- | --- | --- | --- |\n| **“Full collection, litigation, limitations, debtor-property exemptions, secured debt, sectors, local and tribal law, contract defenses/choice of law, broader case law.”** User-supplied coordinator review: [internal evidence reference], **2026-10-23T05:19:34.171103Z**; supplied description of the whole-report read and selected checks is provenance, not a fresh opening of that file. | **“Excluded from completion of this pass; all remain open.”** Coordinator acceptance supplied as **component_partial_not_accepted_remaining_required_work**. Original next action: **“Separate focused investigations are required. Nothing in this component supplies statewide or A066 acceptance.”** | Fresh collection-agency definitions, conditional exemptions, licensing/security/fee statutes and rules, selected enactments, bounded published interpretations, operational retrieval failures, and conditional models: C001–C110. | The original row is not duplicated as an accepted item. Operational and interpretive holds in this report remain; all other original categories and the prior-pass review statuses remain unchanged. |\n\n# 12. Researcher self-check\n\n**Actually read:** the material Arizona Chapter 9 bodies; the listed necessary cross-references; current posted licensing/security rules; the material 2021, 2022, and 2023 enactments; 2023 and 2025 final-rule provisions; the official branch-policy **notice**; the relevant regular-session affected-section tables; the CFPB actor-definition bodies; the full Henson opinion; the full McAdory majority; the reproduced Cruz majority; the limited Kaiser later-treatment passage; and the official fifteen-county inventory.\n\n**Not read or not established:** the current full §1692a body through an official codification route; a successfully retrieved official eCFR body; current full DIFI/NMLS application and renewal instructions; a working live lookup workflow; the current prescribed bond instrument; L-CAR reporting instructions; the full branch bulletin; the exact renewal late fee, actual examination rate, and system checkout extras; comprehensive later judicial treatment; local or tribal practice; and any real entity/account/claim facts.\n\n**Specific interpretive holds preserved:** fully paid nonrecourse debt-buyer classification under Arizona’s full definition; the outer remote-activity licensing boundary; A(8)’s unusual substation wording; the residual §32-1004(D) paragraph-7 reference; timely pending renewal versus automatic suspension; the January 31 wording difference; reporting-period/start-up/cents treatment; and the statutory principal-release restriction’s interaction with the deposit-payment rule.\n\nNo unavailable body is treated as proof of absence or permission. No unpublished opinion, marketing statement, search snippet, staff case summary, or unreviewed earlier pass is used as a controlling holding. No actual provider was queried or cleared, no application or claim was filed, and no publication or local-file write is claimed.\n\nThis is a **researcher self-check**, not an independent review, an all-source/current-law certificate, or Arizona/parent-component acceptance.\n\nEND S_AZ PASS-06.\n\n","tables":[{"headers":["Claim ID","Actor / predicate","Required step, consequence, or boundary","Primary pinpoint; confidence and hold"],"index":0,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Claim ID","Actor / predicate","Required step, consequence, or boundary","Primary pinpoint; confidence and hold"],["S_AZ-P06-C001","A person is employed to demand, collect, or enforce money owed, due, or asserted due to another.","This is the core statutory “claim” relationship. An asserted obligation can qualify without an adjudication that the debt is valid.","S001, §32-1001(1). H text; debt validity remains separate."],["S_AZ-P06-C002","An obligation is sold or assigned, but final payment has not been tendered, title has not passed, or the purchaser/assignee has recourse against the seller/assignor.","Any listed condition brings the obligation within the express purchased/assigned-claim inclusion. The contract’s title does not settle the issue.","S001, §32-1001(1)(b)(i)–(iii). H."],["S_AZ-P06-C003","A person directly or indirectly solicits claims for collection or collects claims owed, due, or asserted due.","The activity falls within the collection-agency definition, subject to classification and exemption analysis.","S001, §32-1001(2)(a); S007, R20-4-1501. H."],["S_AZ-P06-C004","A business collects its own debts using another name that indicates a third person is collecting.","The statute expressly includes that business in “collection agency.” Owning the debt does not avoid this limb.","S001, §32-1001(2)(b). H."],["S_AZ-P06-C005","Consumer or business obligations are collected.","Arizona’s general definition is not confined to personal/family/household debt, nor does it impose a general default-at-acquisition threshold.","S001, §32-1001(1)–(2); S007, R20-4-1501. H text; sector-specific exceptions remain separate."],["S_AZ-P06-C006","An original creditor collects only its own originated obligations in its true name.","That posture is distinguishable from employment to collect another’s claim and from the false-name limb. Treating it as outside those limbs is a textual inference, not a blanket exemption determination for every creditor activity.","S001, §32-1001(1), (2)(b). I; actual activity and relationship held."],["S_AZ-P06-C007","A purchaser asserts full payment, passed title, and no recourse.","Those facts remove the express conditions in §32-1001(1)(b); they do not, without further analysis, establish that every other definitional limb is inapplicable. No current authoritative Arizona blanket debt-buyer exclusion was established.","S001, §32-1001(1)–(2). P; transaction documents and responsive authoritative construction missing."],["S_AZ-P06-C008","A person conducts a collection agency “in this state.”","It must first apply for and obtain a Chapter 9 license unless an exemption applies. The statute does not make an application receipt a license.","S001, §32-1055(A). H; precise outer territorial boundary held."],["S_AZ-P06-C009","A licensee measures the bond base.","Arizona-connected business includes collection from Arizona-resident debtors, collection from an Arizona office, and collection for Arizona-resident creditors, with the specified location-independence. This definition is expressly “for purposes of this section”; it is not silently converted into a complete territorial licensing test.","S001, §32-1021(D)(1)–(3). H text; broader nexus inference limited."],["S_AZ-P06-C010","An existing licensee’s employee works remotely.","The general rule permits licensed activity at a remote work location under licensee supervision, written supervision policies, the information-security plan, and no physical records at that location. It does not license a separate remote business or independent contractor.","S007, R20-4-102(29); S009, adopted text at 31 A.A.R. 539. H/P; actual employment and compliance held."],["S_AZ-P06-C011","An Arizona-licensed agency receives claims as forwardee from an out-of-state agency or attorney.","Section 32-1055(B) expressly preserves this arrangement despite its prohibition on aiding, abetting, or receiving compensation from an unlicensed person. It does not expressly authorize every direct Arizona collection activity of the forwarding actor.","S001, §32-1055(B). H narrow savings clause."],["S_AZ-P06-C012","An out-of-state agency seeks reciprocity.","Arizona issuance requires a valid other-state license, substantially equal requirements when issued, reciprocal treatment, and Arizona application fees, financial requirements, and security. The other-state license alone is insufficient.","S001, §32-1024(1)–(3); S007, R20-4-1502(B). H."],["S_AZ-P06-C013","An actor invokes any §32-1004(A) exemption.","It must act in the regular course of its respective business and retain compliance with §32-1051(2)–(6), §32-1055(C), and §32-1055(D)(1), (2), (3), (5). Exemption is not general immunity from Chapter 9 duties.","S001, §32-1004(A); §§32-1051, 32-1055. H."],["S_AZ-P06-C014","An attorney invokes the attorney exemption.","The text exempts attorneys-at-law in the regular course of their business. An attorney’s ownership, affiliation, or letterhead does not itself establish an exemption for a separate collection company.","S001, §32-1004(A)(1), introductory clause. H text; firm/entity application held."],["S_AZ-P06-C015","A credit worker receives a regular wage or salary.","The credit-person/similar-capacity exemption excludes an independent contractor. A compensation label alone does not establish employment.","S001, §32-1004(A)(2); S007, R20-4-102(16). H."],["S_AZ-P06-C016","A bank, bank trust department, fiduciary, or financing/lending institution invokes A(3).","The enumerated institutional status and regular-course activity must be established. A generic “financial company” label is insufficient.","S001, §32-1004(A)(3); §32-1001(5). H/P; particular institution and preemption facts held."],["S_AZ-P06-C017","A common carrier invokes exemption.","Common carriers are enumerated, subject to regular-course activity and retained duties.","S001, §32-1004(A)(4). H; no carrier-status determination."],["S_AZ-P06-C018","A title insurer, title agent, or abstract company invokes exemption.","A(5) expressly requires it to be doing an escrow business.","S001, §32-1004(A)(5). H."],["S_AZ-P06-C019","A real-estate broker invokes exemption.","The text requires a licensed real-estate broker acting in the regular course of business. A landlord or billing contractor is not automatically such a broker.","S001, §32-1004(A)(6). H/P; broker-license and activity facts held."],["S_AZ-P06-C020","An employee works for a Chapter 9 licensee.","Employees of licensees are enumerated. A separately organized agent/vendor is not proven to be an employee merely by serving a licensee.","S001, §32-1004(A)(7); S007, R20-4-102(16). H."],["S_AZ-P06-C021","A substation payment office invokes A(8).","The posted wording is: “Substation payment offices employed by or serving as independent contractors or public utilities.” I preserve that wording; I do not rewrite “or” as “of” or resolve its ambiguous reach.","S001, §32-1004(A)(8). H text; interpretation held."],["S_AZ-P06-C022","A person actually holds a Title 6, Chapter 7 license.","Section 32-1004(A)(9) supplies a conditional cross-exemption. It requires the specified license and regular-course activity; merely marketing debt-management services is insufficient.","S001, §32-1004(A)(9). H; actual status held."],["S_AZ-P06-C023","A Title 6, Chapter 7 licensee proposes creditor-side activity.","The separately applicable §6-710 prohibits purchasing a creditor’s obligation and acting as both collection agent and debt-management provider on the same account. The cross-exemption does not erase those restrictions.","S002, §6-710(3)–(4). H, narrow necessary cross-reference only."],["S_AZ-P06-C024","A person actually holds a Title 6, Chapter 9 license.","That statutory license category is enumerated, subject to C013. It is not an exemption for every business calling itself a mortgage or finance company.","S001, §32-1004(A)(10). H; underlying licensing qualification deferred."],["S_AZ-P06-C025","A person actually holds a Title 6, Chapter 14, Article 1 license.","The specified premium-finance licensing category is enumerated, subject to C013.","S001, §32-1004(A)(11); S002, §6-1401. H."],["S_AZ-P06-C026","A finance transaction gives a lender rights in commercial claims due the borrower.","Assignment, purchase, or security interest can qualify. The transaction’s primary purpose cannot be facilitating collection; commercial claims exclude purchases for personal/family/household use.","S001, §32-1004(A)(12), (B)(1)–(2). H."],["S_AZ-P06-C027","An accounting, bookkeeping, or billing vendor invokes A(13).","All five conditions apply: accounts not contractually past due when received; only the initial written notice and one written follow-up initiated with individual debtors; no written payment request/demand; no receipt/access to debtor or insurer money; all communications in creditor’s name.","S001, §32-1004(A)(13)(a)–(e). H."],["S_AZ-P06-C028","The billing vendor sends the permitted notices.","Content is confined to creditor contact details, amount/itemization, due date, payment place, and a past-due statement if applicable. This does not override C027’s no-demand and no-money-access conditions.","S001, §32-1004(C)(1)–(5). H."],["S_AZ-P06-C029","A corporate affiliate collects for a federally insured depository institution or its affiliates.","A(14) requires the specified common ownership/corporate control and collection only for that institution or its affiliates. An ordinary group-company collector does not satisfy this paragraph merely because it is an affiliate.","S001, §32-1004(A)(14), (D). H."],["S_AZ-P06-C030","An insurance actor collects financed premiums.","A(15) requires licensing under one of the listed Title 20, Chapter 2 articles and authority to collect premiums under the specified premium-finance arrangement.","S001, §32-1004(A)(15); S002, §6-1401(5). H; actual license/agreement held."],["S_AZ-P06-C031","An insurance administrator collects charges.","A(16) requires the Title 20, Chapter 2, Article 9 license, qualifying administrator role, and collection under §20-485.09(B). A generic medical-billing vendor is not enough.","S001, §32-1004(A)(16); S003, §§20-485, 20-485.09(B). H."],["S_AZ-P06-C032","That administrator collects unpaid charges on an account inactive for more than twelve months.","Section 20-485.09(B) prohibits that collection without a collection-agency license. The insurer agreement must prescribe permissible collection standards.","S003, §20-485.09(B). H; inactivity and agreement facts held."],["S_AZ-P06-C033","An actor relies only on nonprofit status, an ordinary affiliate relationship, or the labels “servicer,” “assignee,” or “debt buyer.”","No blanket exemption for those labels was established from the enumerated text. Analyze the actual definition and a specific exemption instead.","S001, §§32-1001, 32-1004. I/H textual comparison; no universal coverage determination."]]},{"headers":["Claim ID","Actor / predicate","Required act, clock, and consequence","Primary pinpoint; confidence and hold"],"index":1,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Claim ID","Actor / predicate","Required act, clock, and consequence","Primary pinpoint; confidence and hold"],["S_AZ-P06-C034","A collection-agency applicant seeks Arizona authority.","DIFI’s financial-institutions division, through the statutory Deputy Director/Director framework, administers the regime. Section 6-123(8) authorizes use of NMLS for Chapter 9 licensing and processing fees.","S001, §32-1001(3)–(4); S002, §§6-101, 6-110, 6-123(8); S003, §20-102. H."],["S_AZ-P06-C035","Original or renewal applicant.","Submit the prescribed verified application, financial statement, and required security. The original-application rule also calls for organizational and personal-history material. No fixed minimum net-worth amount was established from the provisions read.","S001, §§32-1021(A)–(C), 32-1022(A); S007, R20-4-1502(A), (C). H/P; current form fields held."],["S_AZ-P06-C036","Individual applicant or the individual actively managing an entity applicant.","Posted §32-1023 requires U.S. citizenship, no moral-turpitude conviction, no default on money collected for another, and no former suspended/revoked Chapter 9 license that was not reinstated.","S001, §32-1023(A)–(B). H text; constitutional application, other relief statutes, and individual eligibility held."],["S_AZ-P06-C037","Applicant, manager, officer, controlling individual, or other specified person is required to provide fingerprints.","The Deputy Director may require fingerprints and fees; unreadable submissions can require paid resubmission. A temporary license is discretionary, may be terminated on stated grounds, and lasts no more than 180 days.","S002, §6-123.01(A), (C)–(F); S007, R20-4-1405. H; current charges and actual grant held."],["S_AZ-P06-C038","DIFI reviews an initial collection-agency application.","The current table supplies 60 days administrative completeness + 60 days substantive review = 120 days overall, subject to the rule’s suspensions/extensions. It is an initial-application timeframe.","S007, R20-4-107, Table A, row 16; S009, 31 A.A.R. 543. H."],["S_AZ-P06-C039","DIFI identifies application deficiencies or requests additional substantive information.","Written requests suspend specified review clocks. Failure adequately to respond within the rule’s 60-day response periods results in deemed withdrawal. The rule’s last-day provision addresses weekends/legal holidays for its notice periods.","S007, R20-4-107(C)–(F); S004, §41-1075. H; no actual calendar computed."],["S_AZ-P06-C040","DIFI misses an applicable overall licensing timeframe after an application is submitted for substantive review.","Section 41-1077 requires the specified application-review fees to be refunded within 30 days after expiry of the timeframe; processing continues. This is not automatic license issuance and does not establish that every annual assessment is refundable under that section.","S004, §41-1077(A)–(C); S007, R20-4-107(G). H/P."],["S_AZ-P06-C041","DIFI receives a complete original application with fees, financial statement, and bond.","The Deputy Director investigates qualifications, approves if statutory qualifications are met, and promptly issues after approval. Receipt, payment, or an NMLS submission record is not the grant.","S001, §§32-1026(A), 32-1055(A); S004, §41-1076. H."],["S_AZ-P06-C042","Existing licensee seeks annual renewal.","File the financial statement, verified renewal application, and statutory fees not later than December 31, subject to §32-4301. The rule’s “before January 1” wording is consistent with that ordinary date.","S001, §32-1025(A); S007, R20-4-1502(C). H; actual portal cutoff/time zone held."],["S_AZ-P06-C043","Renewal applicant cannot supply the financial statement when filing.","It may request a written extension; if granted, the statement is due no later than March 1. This is not a blanket extension for the application or fee.","S001, §32-1025(A), second sentence. H."],["S_AZ-P06-C044","A license is not renewed by December 31.","The specific statute states suspension by operation of law. Actual status still requires consideration of the timely-pending and military provisions described below.","S001, §32-1025(B); S004, §41-1092.11. H/P."],["S_AZ-P06-C045","A suspended licensee seeks renewal during January.","Section 32-1025(B) permits submission of the application, statutory fees, and any applicable rule-based late fee “before January 31”; it separately says licenses not renewed “on or before January 31” expire. I preserve that endpoint difference rather than choose a real deadline.","S001, §32-1025(B). H text; endpoint interpretation and actual processing held."],["S_AZ-P06-C046","A licensee timely submits a sufficient renewal for continuing activity.","Section 41-1092.11(A) says the existing license does not expire until final agency determination and the applicable review period/order. Its interaction with §32-1025’s automatic suspension language was not authoritatively resolved here.","S004, §41-1092.11(A)–(B); S001, §32-1025(B). P; no actual pending-license status determination."],["S_AZ-P06-C047","A qualifying military member holds the license and meets notice/evidence conditions.","Guard/reserve federal-active-duty protection and 180 days after return differ from the regular-component 180 days from expiration; qualifying service injury has another statutory anchor. Timely protected renewal excludes late/delinquency charges.","S001, §32-4301(A)–(D). H; deployment of an entity’s manager is not assumed to extend the entity license."],["S_AZ-P06-C048","A license or control of a licensee is acquired.","A license is nontransferable/nonassignable. Acquisition of control requires prior written consent; here control means power to vote more than 20% of outstanding voting shares of the listed entity forms.","S001, §32-1026(B). H; transaction structure held."],["S_AZ-P06-C049","A licensed agency loses its qualified active manager.","Notify the Deputy Director within 10 days; replace the qualified person and notify within 90 days after termination. Otherwise the license expires unless a provisional license has been granted.","S001, §32-1023(C). H."],["S_AZ-P06-C050","Death, partnership dissolution, or termination of the active manager triggers the provisional route.","Apply within 30 days under the rule, with required proof and financial/security compliance. The statute specifies no fee; a personal-representative license is one year, nonrenewable, and wind-up only; other provisional licenses last three months unless full qualification occurs.","S001, §32-1027(1)–(2); S007, R20-4-1502(D)–(F). H."],["S_AZ-P06-C051","Officers, directors, partners, manager, or organizing documents change.","Personnel-change reporting generally uses 10 days under R1503. Corporate articles amendments use 30 days; bylaws and noncorporate organizing-document amendments use 10 days, with specified certification.","S007, R20-4-1503; R20-4-1506(A)–(C). H."],["S_AZ-P06-C052","A collection agency changes its business name or business address.","Notify DIFI within 10 days. Notice does not itself satisfy a separate license or prior-control-consent requirement.","S001, §32-1055(D)(4); C048, C053. H."],["S_AZ-P06-C053","An agency proposes another business name/DBA.","It must apply for and obtain a separate license for each business name used in Arizona; misleading/confusing names are restricted. A trade-name filing is not the Chapter 9 grant.","S007, R20-4-1519(A)–(C). H; current NMLS treatment/charges held."],["S_AZ-P06-C054","An agency adds a physical branch under the same licensed business identity.","The published 2020 policy notice says branch applications/renewals are not required; the 2021 fee amendment removed the collection-agency branch charges. This does not eliminate business-name, control, address, or other applicable duties.","S017, M20-48 items 1–4; S010, §8; S002, §6-126. H texts, P current operational implementation."],["S_AZ-P06-C055","A person operates a collection agency without the required license.","Section 32-1056(A) classifies the conduct as a class 1 misdemeanor; §32-1057 addresses prosecution and participating corporate officers/agents. This finding does not automatically establish debt invalidity or a private damages remedy.","S001, §§32-1056–1057. H; full remedies deferred."],["S_AZ-P06-C056","Applicant/licensee or specified associated person has disqualifying conduct.","Section 32-1053 permits denial/suspension/revocation on its stated grounds. Its “controlling person” test is over 20% equity plus power actively to participate, distinct from C048’s voting-power test.","S001, §32-1053(A)–(B); S006, §47-1201(B)(23). H; actual adjudication and bankruptcy-insolvency branch held."],["S_AZ-P06-C057","A licensee describes its license or security to others.","It may not imply state vouching, state affiliation, or that it is bonded by the state. A license and a statutory bond are not an endorsement or guarantee of collectibility.","S001, §32-1051(6); S007, R20-4-1516. H."]]},{"headers":["Claim ID","Charge / predicate","Base, timing, refund, or consequence","Primary pinpoint; confidence and hold"],"index":2,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[]],"rows":[["Claim ID","Charge / predicate","Base, timing, refund, or consequence","Primary pinpoint; confidence and hold"],["S_AZ-P06-C058","Original collection-agency application.","$1,500, payable with filing and ordinarily nonrefundable. The rule’s investigation-fee reference does not establish a second $1,500 charge.","S002, §6-126(A)(15), introductory clause; S001, §32-1028; S007, R20-4-1502(A). H; C040 exception separate."],["S_AZ-P06-C059","Annual collection-agency assessment/renewal.","$600 each year. The current collection-agency entry has no per-branch add-on.","S002, §6-126(D)(3). H."],["S_AZ-P06-C060","First annual assessment on an enterprise application.","Pay on application, prorated according to quarters remaining until the next annual assessment or renewal. The statute establishes the quarterly basis; current instructions deciding all partial-quarter/invoicing inputs were not read.","S002, §6-126(B). H formula, P operational inputs."],["S_AZ-P06-C061","Application is denied or annual renewal is paid.","Denial requires refund of the prorated initial annual assessment; annual renewal fees are nonrefundable. This does not create a refund of a private premium or erase the separate application-fee rule.","S002, §6-126(A), (B); C040. H."],["S_AZ-P06-C062","Licensee changes the licensed name.","Statutory charge is not more than $250, not a verified fixed $250 invoice. Current §6-126 does not retain the old collection-agency manager-change/move/duplicate and branch amounts removed in 2021.","S002, §6-126(A)(22); S010, §8. H ceiling/history; exact current assessed amount held."],["S_AZ-P06-C063","DIFI examines an enterprise.","The statutory examination rate may not exceed $65 per examiner-hour; an out-of-state office examination may also involve actual travel/subsistence expense. The current rate actually set was not verified.","S002, §6-125(B)(4), (C). H ceiling, held actual rate."],["S_AZ-P06-C064","An examination assessment remains unpaid.","Payment is due within 30 days after mailing of the assessment notice. The statutory $50/day, capped at the examination assessment, concerns this delinquency, subject to the specified timely written extension. It is not a renewal late-fee amount.","S002, §6-125(D). H."],["S_AZ-P06-C065","A suspended license is renewed late.","Section 32-1025 authorizes any applicable late fee determined by rule. An exact current collection-agency renewal late-fee amount was not verified.","S001, §32-1025(B); S007 and inaccessible S029–S032. Held amount."],["S_AZ-P06-C066","NMLS processing, fingerprints, entity registration, control-change processing, or checkout extras may be involved.","NMLS and fingerprint charges have statutory predicates, but exact amounts were not read. The $5,000 financial-institution control fee cannot be added merely by analogy to a collection-agency acquisition.","S002, §§6-123(8), 6-123.01, 6-126(A)(11); S025–S035. P/Held; no checkout total."]]},{"headers":["Claim ID","Actor / predicate","Required act, amount, clock, or consequence","Primary pinpoint; confidence and hold"],"index":3,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Claim ID","Actor / predicate","Required act, amount, clock, or consequence","Primary pinpoint; confidence and hold"],["S_AZ-P06-C067","Original/renewal applicant calculates required minimum bond.","Base: licensee’s gross annual income from all specified Arizona-connected business during the preceding year. Tiers: not over $250,000 → $10,000; $250,001–$500,000 → $15,000; $500,001–$750,000 → $25,000; $750,001+ → $35,000. No CPI adjustment is stated here.","S001, §32-1021(B)(2), (D). H; reporting-window/start-up/cents-gap treatment held."],["S_AZ-P06-C068","Applicant supplies a surety bond.","Applicant is principal; a corporation licensed in Arizona for fidelity/surety insurance is surety; bond runs to the people of the state and remains continuous while licensed.","S001, §32-1022(B). H; current prescribed bond instrument not read."],["S_AZ-P06-C069","Agency collects proceeds for a client.","The bond condition requires accounting and remittance, less agreed client collection charges, within 30 days after collection-month end. If the amount due the client is less than $5, payment may be deferred another 30 days.","S001, §§32-1022(B), 32-1055(D)(1). H; not authority to add a debtor charge."],["S_AZ-P06-C070","Surety withdraws/cancels or licensee changes surety.","Surety gives 60 days’ registered-mail notice to the Deputy Director and licensee. Without a replacement bond filed before termination, the license is void. A changed surety must meet statutory qualifications.","S001, §32-1022(C). H; actual delivery/termination facts held."],["S_AZ-P06-C071","Applicant uses cash or an approved cash alternative.","Amount equals required security. Listed alternatives require the specified Arizona-doing-business institution, federal insurance, and payment/assignment to the State Treasurer. Acceptance is not established by the applicant merely owning a deposit account.","S001, §32-1022(D)–(E). H."],["S_AZ-P06-C072","State Treasurer holds cash/alternative security.","Applicant is entitled to accrued interest from the alternatives. An administrative fee may be imposed, capped at $10 per deposit; neither a mandatory $10 nor an interest rate was verified.","S001, §32-1022(E). H."],["S_AZ-P06-C073","Deposited principal is proposed for release.","Section 32-1022(F) requires written Deputy Director authorization or a competent-court order and states a three-year restriction from the first listed substitution/surrender/revocation/expiration event. Its interaction with claim payments under R105(H)–(I) was not authoritatively reconciled here.","S001, §32-1022(F)(1)–(4); S007, R20-4-105(H)–(J). P; no immediate-release conclusion."],["S_AZ-P06-C074","Suit is brought on bond, cash, or cash alternative.","Section 32-1022(G) states a three-year period after the underlying act(s), with fraud/mistake measured under §12-543(3)’s discovery provision. This is distinct from the rule’s postjudgment administrative claim clock.","S001, §32-1022(G); S005, §12-543(3). H text; actual accrual/tolling held."],["S_AZ-P06-C075","A person seeks payment from a deposit in place of bond.","R105 requires a final judgment of a competent court against the depositor for specified injury in licensed business, certified complaint/judgment, execution-stay statement, recovery statement, and sworn notarized claim verification.","S007, R20-4-105(A)–(B). H; a complaint or alleged loss alone is insufficient."],["S_AZ-P06-C076","Claimant files the R105 verified claim.","File the claim and all supporting documents within six months after judgment entry. If execution is stayed during the first six months, the rule specifies filing only during the six months after the stay is lifted.","S007, R20-4-105(C). H; no actual calendar or stay determination."],["S_AZ-P06-C077","Claimant invokes the deposit claim process.","Deliver copies to the depositor within 10 days after the original filing, make the depositor a party, and proceed as a contested case. R105 treats a timely claim as a hearing request under §41-1092.03(B).","S007, R20-4-105(C)–(D); S004, §41-1092.03(B). H/P; full Article 12 hearing/appeal procedure deferred."],["S_AZ-P06-C078","Agency considers a verified deposit claim after hearing.","Denial grounds include wrong type of injury, default/stipulated/consent judgment without the required injury showing, stayed execution, fraud/collusion, satisfaction elsewhere, or an underlying action that was time-barred when commenced. A default judgment is not automatically payable.","S007, R20-4-105(E)(1)–(6). H."],["S_AZ-P06-C079","Agency grants the verified deposit claim.","Award is based on compensatory damages, excluding attorney fees and amounts previously paid. Prior recoveries cannot be ignored or credited twice.","S007, R20-4-105(F). H."],["S_AZ-P06-C080","Deposit is insufficient and other civil actions were properly noticed.","R105(I) uses: deposit × this award ÷ (this award + compensatory damages sought in other noticed actions against the same depositor). The denominator is not simply all final judgments.","S007, R20-4-105(G)–(I). H formula; actual notices, amounts, availability, and C073 timing held."],["S_AZ-P06-C081","Security is mistaken for guaranteed reimbursement.","R105 concerns deposits in place of bond; receivership can use a different court-directed route. The statutory surety condition chiefly addresses client accounting/remittance. Neither establishes automatic consumer payment, unlimited recovery, or authority to collect a particular debt.","S001, §32-1022(B), (D)–(G); S007, R20-4-105(J)–(K). H/P; full surety coverage/claim litigation deferred."]]},{"headers":["Claim ID","Actor / predicate","Federal result and Arizona boundary","Primary pinpoint; confidence and hold"],"index":4,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Claim ID","Actor / predicate","Federal result and Arizona boundary","Primary pinpoint; confidence and hold"],["S_AZ-P06-C082","Researcher attempts current §1692a verification.","House U.S. Code route failed; GovInfo alternate failed. Full current statutory-body verification remains held. Quotations in cases do not substitute for opening that full current section.","S023, both failed routes. Held."],["S_AZ-P06-C083","Regulation F consumer/debt classification.","Consumer is a natural person, living or deceased; debt must arise from a transaction primarily for personal/family/household purposes, including an obligation reduced to judgment. This is narrower than the general Arizona claim definition.","S019, §1006.2(e), (h), comment 2(h)-1. H posted text; official-edition limitation."],["S_AZ-P06-C084","Federal collector classification.","Principal-purpose collection and regular collection of another’s debt are separate prongs; misleading use of another name by an own-debt creditor is included. Security-interest enforcement is additionally covered for the specified §1006.22(e) purpose.","S019, §1006.2(i)(1), comment 2(i)-1. H; full secured regime deferred."],["S_AZ-P06-C085","Federal creditor classification.","A creditor includes one extending credit or to whom debt is owed, but excludes receipt of defaulted debt solely to facilitate collection for another. “Creditor” and “debt collector” are not necessarily mutually exclusive categories.","S019, §1006.2(g); S021, majority pp. 14–16. H."],["S_AZ-P06-C086","Officer/employee collects for creditor in creditor’s name.","Regulation F supplies that conditional exclusion. It is not an exclusion for every outsourced vendor.","S019, §1006.2(i)(2)(i). H."],["S_AZ-P06-C087","Related-company collector invokes federal affiliate exclusion.","It must collect only for related/controlled persons and its principal business must not be debt collection. This differs from Arizona A(14)’s federally insured institution predicate.","S019, §1006.2(i)(2)(ii)(A)–(B); S001, §32-1004(A)(14). H."],["S_AZ-P06-C088","Government officer/employee collects in official duties.","The federal exclusion is limited to that official-duty activity. No broad private government-contractor exclusion is inferred.","S019, §1006.2(i)(2)(iii). H."],["S_AZ-P06-C089","Person serves legal process.","The exclusion applies while serving/attempting to serve process in judicial enforcement; it does not classify all other collection conduct.","S019, §1006.2(i)(2)(iv). H."],["S_AZ-P06-C090","Nonprofit provides bona fide consumer credit counseling at consumers’ request and receives/distributes payments.","Regulation F expressly excludes that specified activity. Nonprofit incorporation alone is insufficient, and this federal exclusion does not supply an Arizona Chapter 9 exemption.","S019, §1006.2(i)(2)(v); S001, §32-1004. H."],["S_AZ-P06-C091","Person collects another’s debt in a listed special relationship.","Activity-specific exclusions cover incidental bona fide fiduciary/escrow duties, debt the person originated, debt not in default when obtained, or debt obtained as secured party in the specified commercial-credit transaction.","S019, §1006.2(i)(2)(vi)(A)–(D). H; relationship/default facts held."],["S_AZ-P06-C092","Special federal coverage exception is asserted.","Private bad-check programs require compliance with FDCPA §818. Section 1006.1(c) also preserves its §5519(a) and state-exemption qualifications. Those linked special regimes were not fully read; no actor is cleared under them.","S019, §§1006.2(i)(2)(vii), 1006.1(c), 1006.108. P/Held linked special predicates."]]},{"headers":["Claim ID","Published authority actually read","Material facts / posture / holding","Scope and currentness limit"],"index":5,"links":[],"row_links":[[],[],[],[],[],[],[],[],[]],"rows":[["Claim ID","Published authority actually read","Material facts / posture / holding","Scope and currentness limit"],["S_AZ-P06-C093","Henson v. Santander Consumer USA Inc., U.S. Supreme Court, June 12, 2017; unanimous opinion.","Alleged purchaser collected defaulted automobile debts it owned. In reviewing dismissal, the Court held that the “owed … another” regular-collection prong did not cover the purchaser merely because it acquired debts after default. Judgment affirmed.","S020, opinion pp. 1–3, 7–8, 11; PDF indices 2–4, 8–9, 12. H holding; no Arizona licensing conclusion."],["S_AZ-P06-C094","Henson, reserved questions.","The Court expressly did not decide the principal-purpose definition or the separate argument concerning regular collection of other persons’ debts.","S020, opinion p. 3, PDF index 4. H; no blanket debt-buyer immunity."],["S_AZ-P06-C095","McAdory v. M.N.S. & Associates, LLC / DNF Associates, Ninth Circuit, March 9, 2020, published majority.","Allegations described a business buying defaulted consumer debts and outsourcing collection. The majority held that direct consumer interaction is not required by the principal-purpose prong; the allegations plausibly pleaded collector status. Dismissal reversed and remanded.","S021, majority pp. 3–17, especially 10–16; PDF indices 2–16. H pleading-stage holding."],["S_AZ-P06-C096","McAdory, issues left for remand.","Collector classification did not decide all agency/vicarious-liability questions. The majority left the relevant relationship/liability issue for further proceedings.","S021, pp. 16–17, PDF indices 15–16. H. Judge Bea dissented; the dissent is not the holding."],["S_AZ-P06-C097","Cruz v. Lusk Collection Agency, Arizona Court of Appeals, June 6, 1978, published majority reproduced by CaseMine.","Consolidated declaratory challenges concerned collection assignments and agency-filed actions through attorneys. On dismissal for failure to state a claim, the court treated a valid assignee as legal owner/real party in interest able to sue in its own name; dismissal affirmed.","S018, unpaginated opinion paragraphs discussing a valid assignment and statutory collection-agency framework. H reproduced holding; not an unlicensed debt-buyer exemption."],["S_AZ-P06-C098","Cruz and current lawsuit-related rule.","The arrangement described in Cruz was not treated as unauthorized practice where attorneys handled litigation. Current R1509(E) separately requires the filing attorney to have no personal or financial interest in the collection agency.","S018, final analysis and affirmance; S007, R20-4-1509(E). H/P; broader modern legal-practice/entity questions deferred."],["S_AZ-P06-C099","Kaiser v. Cascade Capital, Ninth Circuit, March 9, 2021, limited later-treatment read.","Footnote 7 cites McAdory for the proposition that a creditor can also be a collector and notes that collector status was not contested there. It is later published treatment, not a newly adjudicated actor-status finding in that case.","S022, p. 9 n.7, PDF index 8. H limited passage; no whole-opinion or citator claim."],["S_AZ-P06-C100","Comparison across the state and federal sources.","State licensing classification, federal collector coverage, debt validity, and legal collectibility are separate inquiries. Neither a federal exclusion nor an Arizona license resolves the others.","S001, §§32-1001, 32-1004, 32-1055; S019–S021. I/H reasoned comparison."]]},{"headers":["Claim ID","Finding","Exact supporting record","Limitation"],"index":6,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Claim ID","Finding","Exact supporting record","Limitation"],["S_AZ-P06-C101","2021 chapter 356 removed the collection-agency branch application/annual charges and former specified manager-change/move/duplicate charges; it retained the collection-agency $1,500/$600 structure and amended the relevant administrative terminology.","S010, §8 and §§296–305; approved/filed May 10, 2021; S013 general effective date September 29, 2021.","§356’s express retroactivity concerns §41-3451, not a general retroactive collection-agency amendment. H selected chain."],["S_AZ-P06-C102","2022 chapter 59 removed specified general character language and renumbered §32-1051; current §32-1004(D) retains one obsolete “2 through 7” reference.","S011, §§51–54; approved/filed March 24, 2022; S013 general effective date September 24, 2022.","Does not remove the still-posted citizenship/moral-turpitude provisions or establish constitutional validity. H text/history."],["S_AZ-P06-C103","2023 chapter 152 changed collection-agency renewal from January 1 to December 31 and added “by operation of law” to suspension.","S012, §12; approved May 19/filed May 22, 2023; S013 general effective date October 30, 2023.","This is the collection-agency amendment; no P02 renewal premise imported. H."],["S_AZ-P06-C104","The relevant Article 15 final rulemaking was published September 1, 2023, and became effective October 2, 2023.","S008, 29 A.A.R. 1961, preamble item 3; material rule text pp. 1964–1968.","Publication and effective date are distinct. Older emergency/history references were not treated as current rules. H."],["S_AZ-P06-C105","The relevant Article 1 final rulemaking was published February 14, 2025, effective April 6, 2025; the current initial collection-agency review row is 60/60/120 days.","S009, 31 A.A.R. 533 item 4; pp. 539–543; S007 current R107/Table A.","Current Code posting and bounded later searches are not an all-2026 rulemaking certificate. H/P."],["S_AZ-P06-C106","The 2024–2026 regular-session affected-section tables read did not list Chapter 9 collection-agency amendments or a §6-126 amendment in their relevant blocks.","S014–S016, Title 6 blocks and the Title 32 rows surrounding §§32-1001–1057.","Official tables support a bounded currentness screen, not every possible special law, judicial order, or future event. H/P."],["S_AZ-P06-C107","Current application/renewal operational contents were not established.","S025–S026, S029–S035: 403/inaccessible bodies, empty compiler pages, or generic redirects.","Statutory/rule requirements are answerable; current MU forms, attachments, invoice handling, and exact portal workflow remain held."],["S_AZ-P06-C108","A working live public lookup workflow was not verified.","S027 DIFI route returned 403; S028 NMLS Consumer Access returned 404 through this tool.","This does not establish general service unavailability. No named entity was queried or cleared. Held."],["S_AZ-P06-C109","Current L-CAR/reporting and prescribed bond-form details were not read.","S034 form route failed; S035 library alternate failed; S033 company checklist redirected.","Reporting year, start-up treatment, cents rounding, current bond wording, and extra required security conditions remain held."],["S_AZ-P06-C110","The official judicial administrative inventory lists fifteen Arizona counties.","S024, “Arizona Superior Courts’ Contact Information” body.","Inventory only; no county rule, municipal permit, court calendar, or local practice was validated. H inventory only."]]},{"headers":["Source ID / issuer-document","Direct literal HTTPS URLs","Material body read / precise 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ID / issuer-document","Direct literal HTTPS URLs","Material body read / precise scope"],["S_AZ-P06-S001 — Arizona Legislature, A.R.S. Title 32, Chapter 9 and military-renewal cross-reference","https://www.azleg.gov/arsDetail/?title=32\nhttps://www.azleg.gov/ars/32/01001.htm\nhttps://www.azleg.gov/ars/32/01004.htm\nhttps://www.azleg.gov/ars/32/01021.htm\nhttps://www.azleg.gov/ars/32/01022.htm\nhttps://www.azleg.gov/ars/32/01023.htm\nhttps://www.azleg.gov/ars/32/01024.htm\nhttps://www.azleg.gov/ars/32/01025.htm\nhttps://www.azleg.gov/ars/32/01026.htm\nhttps://www.azleg.gov/ars/32/01027.htm\nhttps://www.azleg.gov/ars/32/01028.htm\nhttps://www.azleg.gov/ars/32/01051.htm\nhttps://www.azleg.gov/ars/32/01053.htm\nhttps://www.azleg.gov/ars/32/01055.htm\nhttps://www.azleg.gov/ars/32/01056.htm\nhttps://www.azleg.gov/ars/32/01057.htm\nhttps://www.azleg.gov/ars/32/04301.htm","Full operative listed section bodies: definitions, all exemptions, application/security, qualifications, reciprocity, renewal, issuance/control, provisional licenses, fees cross-reference, retained duties, discipline, unlawful acts/penalties, and §32-4301(A)–(F). Wrapper/index distinguished from operative bodies."],["S_AZ-P06-S002 — Arizona Legislature, A.R.S. Title 6, regulatory/fee/cross-exemption provisions","https://www.azleg.gov/ars/6/00101.htm\nhttps://www.azleg.gov/ars/6/00110.htm\nhttps://www.azleg.gov/ars/6/00123.htm\nhttps://www.azleg.gov/ars/6/00123-01.htm\nhttps://www.azleg.gov/ars/6/00125.htm\nhttps://www.azleg.gov/ars/6/00126.htm\nhttps://www.azleg.gov/ars/6/00132.htm\nhttps://www.azleg.gov/ars/6/00136.htm\nhttps://www.azleg.gov/ars/6/00137.htm\nhttps://www.azleg.gov/ars/6/00710.htm\nhttps://www.azleg.gov/ars/6/01401.htm","Listed bodies read. Material reliance: regulator/enterprise definitions; §6-123(8); fingerprint authority; §6-125(B)(4), (C), (D); §6-126(A)(15), (16)–(17), (22), (B), (D)(3); retained enforcement cross-references; only §6-710(3)–(4) for the necessary cross-exemption boundary; premium-finance definition. The first attempted fee URL, https://www.azleg.gov/ars/06/00126.htm, failed; the correct /6/ route succeeded."],["S_AZ-P06-S003 — Arizona Legislature, A.R.S. Title 20","https://www.azleg.gov/ars/20/00102.htm\nhttps://www.azleg.gov/ars/20/00485.htm\nhttps://www.azleg.gov/ars/20/00485-09.htm","Full listed bodies read. Material: DIFI Director framework; §20-485 administrator/charges/insurer definitions and exclusions; §20-485.09(B), including the inactive-account restriction. Full insurance licensing dossier not undertaken."],["S_AZ-P06-S004 — Arizona Legislature, A.R.S. Title 41 licensing/administrative provisions","https://www.azleg.gov/ars/41/01001.htm\nhttps://www.azleg.gov/ars/41/01072.htm\nhttps://www.azleg.gov/ars/41/01073.htm\nhttps://www.azleg.gov/ars/41/01075.htm\nhttps://www.azleg.gov/ars/41/01076.htm\nhttps://www.azleg.gov/ars/41/01077.htm\nhttps://www.azleg.gov/ars/41/01092-02.htm\nhttps://www.azleg.gov/ars/41/01092-03.htm\nhttps://www.azleg.gov/ars/41/01092-11.htm","Listed bodies read. Material: §41-1001 licensing and advisory-policy definitions; timeframe definitions, extensions, decisions/refunds; applicability; §41-1092.03(B) hearing-request cross-reference; §41-1092.11 timely renewal and hearing provisions. Complete administrative adjudication/appeal dossier remains open."],["S_AZ-P06-S005 — Arizona Legislature, A.R.S. §12-543","https://www.azleg.gov/ars/12/00543.htm","Full section read; reliance confined to paragraph 3, because §32-1022(G) expressly incorporates its fraud/mistake discovery treatment. No P05 rerun or actual limitation calculation."],["S_AZ-P06-S006 — Arizona Legislature, A.R.S. §47-1201","https://www.azleg.gov/ars/47/01201.htm","Body read; material reliance confined to (B)(23), “insolvent,” as incorporated by §32-1053(A)(1). No imported UCC consumer-purpose limitation. Federal bankruptcy-insolvency application not completed."]]},{"headers":["Source ID","Issuer / title / direct literal URL","Version, effect, actual read scope, and limitations"],"index":8,"links":[{"href":"https://apps.azsos.gov/public_services/Title_20/20-04.pdf?utm_source=chatgpt.com","text":"https://apps.azsos.gov/public_services/Title_20/20-04.pdf"},{"href":"https://apps.azsos.gov/public_services/register/2023/35/contents.pdf?utm_source=chatgpt.com","text":"https://apps.azsos.gov/public_services/register/2023/35/contents.pdf"},{"href":"https://apps.azsos.gov/public_services/register/2025/7/contents.pdf?utm_source=chatgpt.com","text":"https://apps.azsos.gov/public_services/register/2025/7/contents.pdf"},{"href":"https://www.azleg.gov/legtext/55leg/1r/laws/0356.htm?utm_source=chatgpt.com","text":"https://www.azleg.gov/legtext/55leg/1r/laws/0356.htm"},{"href":"https://www.azleg.gov/legtext/55leg/2r/laws/0059.htm?utm_source=chatgpt.com","text":"https://www.azleg.gov/legtext/55leg/2r/laws/0059.htm"},{"href":"https://www.azleg.gov/legtext/56leg/1R/laws/0152.htm?utm_source=chatgpt.com","text":"https://www.azleg.gov/legtext/56leg/1R/laws/0152.htm"},{"href":"https://www.azleg.gov/general-effective-dates/?utm_source=chatgpt.com","text":"https://www.azleg.gov/general-effective-dates/"},{"href":"https://www.azleg.gov/alisPDFs/council/TOSA_56th_2nd_Regular.pdf?utm_source=chatgpt.com","text":"https://www.azleg.gov/alisPDFs/council/TOSA_56th_2nd_Regular.pdf"},{"href":"https://www.azleg.gov/alisPDFs/council/TOSA_57th_1st_Regular.pdf?utm_source=chatgpt.com","text":"https://www.azleg.gov/alisPDFs/council/TOSA_57th_1st_Regular.pdf"},{"href":"https://www.azleg.gov/alisPDFs/council/TOSA_57th_2nd_Regular.pdf?utm_source=chatgpt.com","text":"https://www.azleg.gov/alisPDFs/council/TOSA_57th_2nd_Regular.pdf"},{"href":"https://apps.azsos.gov/public_services/register/2020/43/contents.pdf?utm_source=chatgpt.com","text":"https://apps.azsos.gov/public_services/register/2020/43/contents.pdf"}],"row_links":[[],[{"href":"https://apps.azsos.gov/public_services/Title_20/20-04.pdf?utm_source=chatgpt.com","text":"https://apps.azsos.gov/public_services/Title_20/20-04.pdf"}],[{"href":"https://apps.azsos.gov/public_services/register/2023/35/contents.pdf?utm_source=chatgpt.com","text":"https://apps.azsos.gov/public_services/register/2023/35/contents.pdf"}],[{"href":"https://apps.azsos.gov/public_services/register/2025/7/contents.pdf?utm_source=chatgpt.com","text":"https://apps.azsos.gov/public_services/register/2025/7/contents.pdf"}],[{"href":"https://www.azleg.gov/legtext/55leg/1r/laws/0356.htm?utm_source=chatgpt.com","text":"https://www.azleg.gov/legtext/55leg/1r/laws/0356.htm"}],[{"href":"https://www.azleg.gov/legtext/55leg/2r/laws/0059.htm?utm_source=chatgpt.com","text":"https://www.azleg.gov/legtext/55leg/2r/laws/0059.htm"}],[{"href":"https://www.azleg.gov/legtext/56leg/1R/laws/0152.htm?utm_source=chatgpt.com","text":"https://www.azleg.gov/legtext/56leg/1R/laws/0152.htm"}],[{"href":"https://www.azleg.gov/general-effective-dates/?utm_source=chatgpt.com","text":"https://www.azleg.gov/general-effective-dates/"}],[{"href":"https://www.azleg.gov/alisPDFs/council/TOSA_56th_2nd_Regular.pdf?utm_source=chatgpt.com","text":"https://www.azleg.gov/alisPDFs/council/TOSA_56th_2nd_Regular.pdf"}],[{"href":"https://www.azleg.gov/alisPDFs/council/TOSA_57th_1st_Regular.pdf?utm_source=chatgpt.com","text":"https://www.azleg.gov/alisPDFs/council/TOSA_57th_1st_Regular.pdf"}],[{"href":"https://www.azleg.gov/alisPDFs/council/TOSA_57th_2nd_Regular.pdf?utm_source=chatgpt.com","text":"https://www.azleg.gov/alisPDFs/council/TOSA_57th_2nd_Regular.pdf"}],[{"href":"https://apps.azsos.gov/public_services/register/2020/43/contents.pdf?utm_source=chatgpt.com","text":"https://apps.azsos.gov/public_services/register/2020/43/contents.pdf"}]],"rows":[["Source ID","Issuer / title / direct literal URL","Version, effect, actual read scope, and limitations"],["S_AZ-P06-S007","Arizona Secretary of State / DIFI, 20 A.A.C. 4, Supplement 25-4. https://apps.azsos.gov/public_services/Title_20/20-04.pdf","Fresh operative text: R101–102, R104–105, R107 and Table A; R1405; R1501–1509 and R1515–1521, with relevant histories. Pinpoints: R102 printed pp. 5–7/PDF 6–8; R105 pp. 7–8/PDF 8–9; R107/Table A pp. 9–10/PDF 10–11; R1405 p. 37/PDF 38; R1501–1502 pp. 38–39/PDF 39–40; R1503–1505 pp. 39–40/PDF 40–41; R1506–1509 p. 40/PDF 41; R1515–1519 p. 42/PDF 43; R1520–1521 pp. 42–43/PDF 43–44. Current posted compilation, not an all-later-rulemaking certificate. No claim of visual inspection."],["S_AZ-P06-S008","DIFI/SOS, 2023 final rulemaking R23-162, 29 A.A.R. 1961–1968. https://apps.azsos.gov/public_services/register/2023/35/contents.pdf","Published Sept. 1, 2023; preamble item 3 effective Oct. 2, 2023. Fresh preamble and material Article 15 text, including applications, changes, names, counsel, and security-related record/receipt provisions. Printed pp. 1961–1968/PDF 46–53. Other notices in the same issue are not treated as this rulemaking."],["S_AZ-P06-S009","DIFI/SOS, 2025 final rulemaking R25-15, 31 A.A.R. 533–543. https://apps.azsos.gov/public_services/register/2025/7/contents.pdf","Published Feb. 14, 2025; item 4 effective Apr. 6, 2025. Fresh material preamble; remote-work definition p. 539/PDF 34; full R105 pp. 540–541/PDF 35–36; R107 pp. 541–542/PDF 36–37; collection-agency Table A row p. 543/PDF 38. Redline extraction checked against clean Code text."],["S_AZ-P06-S010","Arizona Legislature, Laws 2021, ch. 356, SB1463. https://www.azleg.gov/legtext/55leg/1r/laws/0356.htm","Fresh §8 fee amendment; §§296–305 collection-agency changes; §356 retroactivity and approval/filed notations. Approved/filed May 10, 2021. Relevant general-effective date Sept. 29, 2021, S013. The express retroactivity clause applies to another identified provision, not all collection-agency changes."],["S_AZ-P06-S011","Arizona Legislature, Laws 2022, ch. 59, HB2612. https://www.azleg.gov/legtext/55leg/2r/laws/0059.htm","Fresh §§51–54, plus end/approval record. Approved/filed March 24, 2022; general-effective date Sept. 24, 2022, S013. Selected Chapter 9 changes read; no claim to have analyzed every profession amended by the act."],["S_AZ-P06-S012","Arizona Legislature, Laws 2023, ch. 152, HB2010. https://www.azleg.gov/legtext/56leg/1R/laws/0152.htm","Fresh §1 NMLS authority, §12 collection-agency renewal, and approval/filed/end provisions. Approved May 19, filed May 22, 2023; general-effective date Oct. 30, 2023, S013."],["S_AZ-P06-S013","Arizona Legislature, General Effective Dates. https://www.azleg.gov/general-effective-dates/","Fresh table rows for 2021–2026. Supports the session dates, not an inference that every act lacks special effective provisions."],["S_AZ-P06-S014","Arizona Legislative Council, 2024 Table of Sections Affected. https://www.azleg.gov/alisPDFs/council/TOSA_56th_2nd_Regular.pdf","Dated July 12, 2024, chapters 1–259. Fresh relevant Title 6 block, printed p. 2/PDF 1; Title 32 rows including the §32-906 to §32-1107 interval, p. 10/PDF 9, and adjoining relevant blocks. Official affected-section table, not operative enactment text."],["S_AZ-P06-S015","Arizona Legislative Council, 2025 Table of Sections Affected. https://www.azleg.gov/alisPDFs/council/TOSA_57th_1st_Regular.pdf","Dated July 18, 2025, chapters 1–265. Fresh Title 6 block pp. 1–2/PDF 0–1 and Title 32 block p. 10/PDF 9. No Chapter 9/§6-126 amendment listed in the relevant blocks."],["S_AZ-P06-S016","Arizona Legislative Council, 2026 Table of Sections Affected. https://www.azleg.gov/alisPDFs/council/TOSA_57th_2nd_Regular.pdf","Dated Aug. 19, 2026, chapters 1–264. Fresh Title 6 block p. 2/PDF 1 and Title 32 blocks pp. 10–12/PDF 9–11, including the gap around Chapter 9. Future-effective entries elsewhere are not imported into this gateway."],["S_AZ-P06-S017","DIFI/SOS, Notice of Substantive Policy Statement M20-48, describing Regulatory Bulletin 2021-01. https://apps.azsos.gov/public_services/register/2020/43/contents.pdf","Fresh full notice items 1–7, printed p. 2772/PDF 39. Notice says bulletin issued Sept. 18, 2020, effective Sept. 28, 2020; notice published Oct. 23, 2020. Official published summary of branch policy, not the full bulletin and not a rule. Advisory-policy status supported by §41-1001(24). Current withdrawal/supersession status not fully verified."]]},{"headers":["Source ID","Issuer / title / direct literal URL","Actual read scope, version/status, and limitation"],"index":9,"links":[{"href":"https://www.casemine.com/judgement/us/5914c57badd7b049347d4712?utm_source=chatgpt.com","text":"https://www.casemine.com/judgement/us/5914c57badd7b049347d4712"},{"href":"https://law.justia.com/cases/arizona/court-of-appeals/1978/119-ariz-356.html","text":"https://law.justia.com/cases/arizona/court-of-appeals/1978/119-ariz-356.html"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1006/1/?utm_source=chatgpt.com","text":"https://www.consumerfinance.gov/rules-policy/regulations/1006/1/"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1006/2/?utm_source=chatgpt.com","text":"https://www.consumerfinance.gov/rules-policy/regulations/1006/2/"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1006/108/?utm_source=chatgpt.com","text":"https://www.consumerfinance.gov/rules-policy/regulations/1006/108/"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1006/versions/1/?utm_source=chatgpt.com","text":"https://www.consumerfinance.gov/rules-policy/regulations/1006/versions/1/"},{"href":"https://www.ecfr.gov/current/title-12/chapter-X/part-1006/section-1006.2","text":"https://www.ecfr.gov/current/title-12/chapter-X/part-1006/section-1006.2"},{"href":"https://www.supremecourt.gov/opinions/16pdf/16-349_c07d.pdf?utm_source=chatgpt.com","text":"https://www.supremecourt.gov/opinions/16pdf/16-349_c07d.pdf"},{"href":"https://cdn.ca9.uscourts.gov/datastore/opinions/2020/03/09/18-35923.pdf?utm_source=chatgpt.com","text":"https://cdn.ca9.uscourts.gov/datastore/opinions/2020/03/09/18-35923.pdf"},{"href":"https://cdn.ca9.uscourts.gov/datastore/opinions/2021/03/09/19-35151.pdf?utm_source=chatgpt.com","text":"https://cdn.ca9.uscourts.gov/datastore/opinions/2021/03/09/19-35151.pdf"},{"href":"https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title15-section1692a&num=0&edition=prelim","text":"https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title15-section1692a&num=0&edition=prelim"},{"href":"https://www.govinfo.gov/content/pkg/USCODE-2025-title15/html/USCODE-2025-title15-chap41-subchapV-sec1692a.htm","text":"https://www.govinfo.gov/content/pkg/USCODE-2025-title15/html/USCODE-2025-title15-chap41-subchapV-sec1692a.htm"},{"href":"https://www.azcourts.gov/clerkofcourt/Contact-Us?utm_source=chatgpt.com","text":"https://www.azcourts.gov/clerkofcourt/Contact-Us"}],"row_links":[[],[{"href":"https://www.casemine.com/judgement/us/5914c57badd7b049347d4712?utm_source=chatgpt.com","text":"https://www.casemine.com/judgement/us/5914c57badd7b049347d4712"},{"href":"https://law.justia.com/cases/arizona/court-of-appeals/1978/119-ariz-356.html","text":"https://law.justia.com/cases/arizona/court-of-appeals/1978/119-ariz-356.html"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1006/1/?utm_source=chatgpt.com","text":"https://www.consumerfinance.gov/rules-policy/regulations/1006/1/"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1006/2/?utm_source=chatgpt.com","text":"https://www.consumerfinance.gov/rules-policy/regulations/1006/2/"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1006/108/?utm_source=chatgpt.com","text":"https://www.consumerfinance.gov/rules-policy/regulations/1006/108/"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1006/versions/1/?utm_source=chatgpt.com","text":"https://www.consumerfinance.gov/rules-policy/regulations/1006/versions/1/"},{"href":"https://www.ecfr.gov/current/title-12/chapter-X/part-1006/section-1006.2","text":"https://www.ecfr.gov/current/title-12/chapter-X/part-1006/section-1006.2"}],[{"href":"https://www.supremecourt.gov/opinions/16pdf/16-349_c07d.pdf?utm_source=chatgpt.com","text":"https://www.supremecourt.gov/opinions/16pdf/16-349_c07d.pdf"}],[{"href":"https://cdn.ca9.uscourts.gov/datastore/opinions/2020/03/09/18-35923.pdf?utm_source=chatgpt.com","text":"https://cdn.ca9.uscourts.gov/datastore/opinions/2020/03/09/18-35923.pdf"}],[{"href":"https://cdn.ca9.uscourts.gov/datastore/opinions/2021/03/09/19-35151.pdf?utm_source=chatgpt.com","text":"https://cdn.ca9.uscourts.gov/datastore/opinions/2021/03/09/19-35151.pdf"}],[{"href":"https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title15-section1692a&num=0&edition=prelim","text":"https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title15-section1692a&num=0&edition=prelim"},{"href":"https://www.govinfo.gov/content/pkg/USCODE-2025-title15/html/USCODE-2025-title15-chap41-subchapV-sec1692a.htm","text":"https://www.govinfo.gov/content/pkg/USCODE-2025-title15/html/USCODE-2025-title15-chap41-subchapV-sec1692a.htm"}],[{"href":"https://www.azcourts.gov/clerkofcourt/Contact-Us?utm_source=chatgpt.com","text":"https://www.azcourts.gov/clerkofcourt/Contact-Us"}]],"rows":[["Source ID","Issuer / title / direct literal URL","Actual read scope, version/status, and limitation"],["S_AZ-P06-S018","Arizona Court of Appeals, Cruz v. Lusk Collection Agency, June 6, 1978; CaseMine reproduction. https://www.casemine.com/judgement/us/5914c57badd7b049347d4712","Full reproduced majority body read through affirmance; Howard opinion, Richmond/Hathaway concurrence. Unpaginated HTML; pinpoints are the valid-assignment, statutory-framework, and final unauthorized-practice discussion paragraphs. Reporter-page pinpoint not independently verified. Initial route https://law.justia.com/cases/arizona/court-of-appeals/1978/119-ariz-356.html failed; reproduction succeeded. Hosting/authentication and later-treatment limits disclosed."],["S_AZ-P06-S019","CFPB, Regulation F and official interpretations. https://www.consumerfinance.gov/rules-policy/regulations/1006/1/\nhttps://www.consumerfinance.gov/rules-policy/regulations/1006/2/\nhttps://www.consumerfinance.gov/rules-policy/regulations/1006/108/\nhttps://www.consumerfinance.gov/rules-policy/regulations/1006/versions/1/","Fresh material bodies: §§1006.1(c), 1006.2(e), (g)–(i), comments 2(h)-1/2(i)-1, and §1006.108. Versions page labels April 19, 2023 current. CFPB expressly says this electronic resource is not the official CFR/Federal Register edition. Official eCFR verification route https://www.ecfr.gov/current/title-12/chapter-X/part-1006/section-1006.2 was inaccessible; CFPB body was the readable official-agency alternate. Original commencement/adoption chain and special linked regimes remain partial."],["S_AZ-P06-S020","U.S. Supreme Court, Henson v. Santander, June 12, 2017. https://www.supremecourt.gov/opinions/16pdf/16-349_c07d.pdf","Full opinion pp. 1–11/PDF 2–12 read. Official posted slip opinion; syllabus distinguished from opinion. Unanimous judgment affirming. Formal reporter edition and full later history not separately verified."],["S_AZ-P06-S021","Ninth Circuit, McAdory, March 9, 2020, “FOR PUBLICATION.” https://cdn.ca9.uscourts.gov/datastore/opinions/2020/03/09/18-35923.pdf","Full majority pp. 3–17/PDF 2–16 read, including pleading posture and remand limits. Christen/Farris majority; Bea dissent begins p. 17/PDF 16. Staff summary is not the holding; dissent not relied upon."],["S_AZ-P06-S022","Ninth Circuit, Kaiser v. Cascade Capital, March 9, 2021, “FOR PUBLICATION.” https://cdn.ca9.uscourts.gov/datastore/opinions/2021/03/09/19-35151.pdf","Partial fresh read: publication/date/panel header and p. 9 n.7/PDF 8 for limited McAdory treatment. No assertion that the whole opinion was read or that its limitations analysis is part of PASS-06."],["S_AZ-P06-S023","U.S. House Office of Law Revision Counsel / GovInfo, 15 U.S.C. §1692a attempted official bodies. https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title15-section1692a&num=0&edition=prelim\nhttps://www.govinfo.gov/content/pkg/USCODE-2025-title15/html/USCODE-2025-title15-chap41-subchapV-sec1692a.htm","Failed fetches: first route returned 404 through retrieval; different official GovInfo alternate was inaccessible. No full current statutory body read. Second URL is a 2025-edition route, not evidence of 2026 currentness. Hold retained."],["S_AZ-P06-S024","Arizona Judicial Branch, Arizona Superior Courts’ Contact Information. https://www.azcourts.gov/clerkofcourt/Contact-Us","Fresh inventory body naming all fifteen counties. Administrative inventory only; no outbound county practice pages, private cases, or calendars queried."]]},{"headers":["Source ID","Issuer / title / direct literal URL","Actual result, version limitation, and exact disposition"],"index":10,"links":[{"href":"https://difi.az.gov/licensing/financial-enterprises?utm_source=chatgpt.com","text":"https://difi.az.gov/licensing/financial-enterprises"},{"href":"https://difi.az.gov/collection-agencies-nmls?utm_source=chatgpt.com","text":"https://difi.az.gov/collection-agencies-nmls"},{"href":"https://difi.az.gov/license-search?utm_source=chatgpt.com","text":"https://difi.az.gov/license-search"},{"href":"https://www.nmlsconsumeraccess.org/","text":"https://www.nmlsconsumeraccess.org/"},{"href":"https://difi.az.gov/sites/default/files/FE-LC-RN-CA_NMLSRenewalChecklist.pdf?utm_source=chatgpt.com","text":"https://difi.az.gov/sites/default/files/FE-LC-RN-CA_NMLSRenewalChecklist.pdf"},{"href":"https://difi.az.gov/sites/default/files/Collection%20Agency%20Renewal%20Instructions%20-%20FINAL_0.pdf?utm_source=chatgpt.com","text":"https://difi.az.gov/sites/default/files/Collection%20Agency%20Renewal%20Instructions%20-%20FINAL_0.pdf"},{"href":"https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/stateresourcecenter/SitePages/Checklist-Compiler.aspx?utm_source=chatgpt.com","text":"https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/stateresourcecenter/SitePages/Checklist-Compiler.aspx"},{"href":"https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/stateresourcecenter/SitePages/Annual-Renewal-Checklist-Compiler.aspx?utm_source=chatgpt.com","text":"https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/stateresourcecenter/SitePages/Annual-Renewal-Checklist-Compiler.aspx"},{"href":"https://mortgage.nationwidelicensingsystem.org/slr/PublishedStateDocuments/AZ_Collection_Agency_License-Company-New-App-Checklist.pdf?utm_source=chatgpt.com","text":"https://mortgage.nationwidelicensingsystem.org/slr/PublishedStateDocuments/AZ_Collection_Agency_License-Company-New-App-Checklist.pdf"},{"href":"https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/stateresourcecenter/SitePages/Home.aspx","text":"https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/stateresourcecenter/SitePages/Home.aspx"},{"href":"https://difi.az.gov/sites/default/files/l-car_2025-01_f.pdf?utm_source=chatgpt.com","text":"https://difi.az.gov/sites/default/files/l-car_2025-01_f.pdf"},{"href":"https://difi.az.gov/licensing-document-library?utm_source=chatgpt.com","text":"https://difi.az.gov/licensing-document-library"},{"href":"https://difi.az.gov/sites/default/files/Collection%20Agency%20Branches%20-%20Licensing%2009.18.2020.pdf","text":"https://difi.az.gov/sites/default/files/Collection%20Agency%20Branches%20-%20Licensing%2009.18.2020.pdf"},{"href":"https://apps.azsos.gov/public_services/register/2020/Notice_Archive/M20-48.pdf?utm_source=chatgpt.com","text":"https://apps.azsos.gov/public_services/register/2020/Notice_Archive/M20-48.pdf"},{"href":"https://mortgage.nationwidelicensingsystem.org/slr/PublishedStateDocuments/AZ_Collection_Agency_License-Branch-New-App-Checklist.pdf?utm_source=chatgpt.com","text":"https://mortgage.nationwidelicensingsystem.org/slr/PublishedStateDocuments/AZ_Collection_Agency_License-Branch-New-App-Checklist.pdf"}],"row_links":[[],[{"href":"https://difi.az.gov/licensing/financial-enterprises?utm_source=chatgpt.com","text":"https://difi.az.gov/licensing/financial-enterprises"}],[{"href":"https://difi.az.gov/collection-agencies-nmls?utm_source=chatgpt.com","text":"https://difi.az.gov/collection-agencies-nmls"}],[{"href":"https://difi.az.gov/license-search?utm_source=chatgpt.com","text":"https://difi.az.gov/license-search"}],[{"href":"https://www.nmlsconsumeraccess.org/","text":"https://www.nmlsconsumeraccess.org/"}],[{"href":"https://difi.az.gov/sites/default/files/FE-LC-RN-CA_NMLSRenewalChecklist.pdf?utm_source=chatgpt.com","text":"https://difi.az.gov/sites/default/files/FE-LC-RN-CA_NMLSRenewalChecklist.pdf"}],[{"href":"https://difi.az.gov/sites/default/files/Collection%20Agency%20Renewal%20Instructions%20-%20FINAL_0.pdf?utm_source=chatgpt.com","text":"https://difi.az.gov/sites/default/files/Collection%20Agency%20Renewal%20Instructions%20-%20FINAL_0.pdf"}],[{"href":"https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/stateresourcecenter/SitePages/Checklist-Compiler.aspx?utm_source=chatgpt.com","text":"https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/stateresourcecenter/SitePages/Checklist-Compiler.aspx"}],[{"href":"https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/stateresourcecenter/SitePages/Annual-Renewal-Checklist-Compiler.aspx?utm_source=chatgpt.com","text":"https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/stateresourcecenter/SitePages/Annual-Renewal-Checklist-Compiler.aspx"}],[{"href":"https://mortgage.nationwidelicensingsystem.org/slr/PublishedStateDocuments/AZ_Collection_Agency_License-Company-New-App-Checklist.pdf?utm_source=chatgpt.com","text":"https://mortgage.nationwidelicensingsystem.org/slr/PublishedStateDocuments/AZ_Collection_Agency_License-Company-New-App-Checklist.pdf"},{"href":"https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/stateresourcecenter/SitePages/Home.aspx","text":"https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/stateresourcecenter/SitePages/Home.aspx"}],[{"href":"https://difi.az.gov/sites/default/files/l-car_2025-01_f.pdf?utm_source=chatgpt.com","text":"https://difi.az.gov/sites/default/files/l-car_2025-01_f.pdf"}],[{"href":"https://difi.az.gov/licensing-document-library?utm_source=chatgpt.com","text":"https://difi.az.gov/licensing-document-library"}],[{"href":"https://difi.az.gov/sites/default/files/Collection%20Agency%20Branches%20-%20Licensing%2009.18.2020.pdf","text":"https://difi.az.gov/sites/default/files/Collection%20Agency%20Branches%20-%20Licensing%2009.18.2020.pdf"},{"href":"https://apps.azsos.gov/public_services/register/2020/Notice_Archive/M20-48.pdf?utm_source=chatgpt.com","text":"https://apps.azsos.gov/public_services/register/2020/Notice_Archive/M20-48.pdf"}],[{"href":"https://mortgage.nationwidelicensingsystem.org/slr/PublishedStateDocuments/AZ_Collection_Agency_License-Branch-New-App-Checklist.pdf?utm_source=chatgpt.com","text":"https://mortgage.nationwidelicensingsystem.org/slr/PublishedStateDocuments/AZ_Collection_Agency_License-Branch-New-App-Checklist.pdf"}]],"rows":[["Source ID","Issuer / title / direct literal URL","Actual result, version limitation, and exact disposition"],["S_AZ-P06-S025","DIFI, Financial Enterprises licensing. https://difi.az.gov/licensing/financial-enterprises","403; body not read. Paired with genuinely different collection-agency page S026; current operational instructions held."],["S_AZ-P06-S026","DIFI, Collection Agencies NMLS. https://difi.az.gov/collection-agencies-nmls","403; body not read. Indexed extracts are discovery only. No live application procedure inferred."],["S_AZ-P06-S027","DIFI, License Search. https://difi.az.gov/license-search","403; body not read. Different public search-channel alternate S028 also failed."],["S_AZ-P06-S028","NMLS Consumer Access. https://www.nmlsconsumeraccess.org/","404 through retrieval. No conclusion that the service is generally unavailable; no entity search performed."],["S_AZ-P06-S029","DIFI, Collection Agency NMLS Renewal Checklist. https://difi.az.gov/sites/default/files/FE-LC-RN-CA_NMLSRenewalChecklist.pdf","403; full checklist/version not read. Alternate S030 unavailable."],["S_AZ-P06-S030","DIFI, Collection Agency Renewal Instructions. https://difi.az.gov/sites/default/files/Collection%20Agency%20Renewal%20Instructions%20-%20FINAL_0.pdf","Retrieval reported inaccessible/no readable body. Indexed January 1 and transition/billing excerpts were not adopted as current instructions. Exact full version held."],["S_AZ-P06-S031","NMLS, new-application checklist compiler. https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/stateresourcecenter/SitePages/Checklist-Compiler.aspx","Zero readable checklist lines. Direct company-checklist alternate S033 redirected."],["S_AZ-P06-S032","NMLS, annual-renewal checklist compiler. https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/stateresourcecenter/SitePages/Annual-Renewal-Checklist-Compiler.aspx","Zero readable checklist lines. DIFI renewal-document routes S029–S030 also unavailable; no inferred current renewal fields."],["S_AZ-P06-S033","NMLS, Arizona Collection Agency company new-application checklist. https://mortgage.nationwidelicensingsystem.org/slr/PublishedStateDocuments/AZ_Collection_Agency_License-Company-New-App-Checklist.pdf","Redirected to generic https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/stateresourcecenter/SitePages/Home.aspx; zero readable checklist body. No actual company checklist/version established."],["S_AZ-P06-S034","DIFI, L-CAR form route. https://difi.az.gov/sites/default/files/l-car_2025-01_f.pdf","403. Filename/index suggest a 2025-01 form, but full contents/revision/operative applicability were not verified. S035 alternate failed."],["S_AZ-P06-S035","DIFI, Licensing Document Library. https://difi.az.gov/licensing-document-library","403. No current prescribed bond instrument, reporting instructions, or attachment set read."],["S_AZ-P06-S036","DIFI bulletin 2021-01, attempted full text and SOS archived copy. https://difi.az.gov/sites/default/files/Collection%20Agency%20Branches%20-%20Licensing%2009.18.2020.pdf\nhttps://apps.azsos.gov/public_services/register/2020/Notice_Archive/M20-48.pdf","DIFI route 403; SOS alternate yielded four PDF pages but no extracted body. Screenshot attempts did not return usable images for inspection; no visual reading is claimed. S017 is a different, readable published notice supporting only its stated summary."],["S_AZ-P06-S037","NMLS, historical Arizona Collection Agency branch checklist. https://mortgage.nationwidelicensingsystem.org/slr/PublishedStateDocuments/AZ_Collection_Agency_License-Branch-New-App-Checklist.pdf","Index/discovery only, associated with a September 10, 2019 date. Full body not opened or used as current authority. It cannot override S010/S017."]]},{"headers":["No.","Fictional posture","Conditional result / adverse branch","Claims"],"index":11,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["No.","Fictional posture","Conditional result / adverse branch","Claims"],["1","A furniture merchant collects only receivables it originated, using its true name.","Distinguish it from collecting another’s claim. The bounded own-creditor inference requires the facts to remain true.","C001, C006"],["2","The same merchant sends demands under a name suggesting an unrelated collection company.","The express own-debt/other-name limb is implicated even though the merchant owns the accounts.","C004"],["3","A purchaser buys defaulted consumer accounts for a fully paid price, with passed title and no recourse.","No blanket Arizona exemption established. Federal analysis separately tests principal purpose and regular collection for another.","C007, C084, C093–C095"],["4","A purchase agreement lets the buyer return uncollected accounts to the seller.","Recourse is expressly material to Arizona’s purchased-claim inclusion; the “sale” label is insufficient.","C002"],["5","A contractor services accounts obtained before default and later sends collection demands.","Nondefault acquisition can matter federally; Arizona has no general equivalent servicer/default exclusion in the read text.","C005, C033, C091"],["6","A group company collects only for ordinary retail affiliates, but collection is its principal business.","Neither Arizona’s insured-depository affiliate predicate nor the federal noncollection-principal-business condition is established.","C029, C087"],["7","A sister company collects only for its commonly controlled federally insured bank and the bank’s affiliates.","A(14) may apply if every institutional, relationship, exclusivity, and regular-course predicate is proved. Retained duties remain.","C013, C029"],["8","An individual is a genuine salaried credit employee; another performs identical tasks through a separate contracting business.","The first may invoke A(2). The independent contractor cannot invoke that exemption merely because compensation is described as salary.","C015"],["9","A licensed collection agency uses a genuine employee from a remote residence.","Employee and remote-work predicates must both be met, including supervision/security/no physical records. This does not license a separate contractor.","C010, C020"],["10","An attorney handles collections within legal practice; a separate agency advertises that the attorney owns it.","Analyze the attorney’s regular-course exemption separately from the company. Ownership does not automatically transmit the exemption.","C014, C098"],["11","A medical-billing vendor accepts only current accounts, sends the two permitted creditor-name notices, makes no demand, and never accesses money.","All A(13)/C conditions must remain satisfied. Receiving insurer payments or accepting already-past-due accounts defeats reliance on that paragraph.","C027–C028"],["12","A licensed insurance administrator proposes to collect charges on an account inactive for thirteen months.","The specific more-than-twelve-month restriction requires a collection-agency license for that collection.","C031–C032"],["13","A landlord collects its own rent; a different property service collects for several landlords.","Own-debt classification differs from collection for others. A licensed real-estate-broker exemption requires actual broker status and regular-course activity.","C006, C019"],["14","A lender finances business receivables but also takes consumer receivables and purchases distressed claims primarily to collect them.","A(12) must be separated transaction by transaction; consumer purpose and collection-primary-purpose branches do not satisfy its stated predicates.","C026"],["15","A collector has no Arizona office but directly pursues Arizona residents.","Physical absence does not establish exemption. The bond statute expressly counts that business; the complete territorial licensing boundary remains held pending authoritative construction and facts.","C008–C009, C012"],["16","An out-of-state agency forwards an account to an Arizona-licensed agency and conducts no assumed additional activity.","Section 32-1055(B)’s forwardee savings clause is relevant; it does not resolve a different direct-contact posture.","C011"],["17","A licensee opens another physical office, adds a second trade name, and sells 25% voting control.","These are three distinct events: branch policy, separate business-name license, and prior written control consent.","C048, C052–C054"],["18","An agency’s active manager leaves, and management assumes the agency can continue indefinitely.","The 10-day notice/90-day replacement conditions and any properly granted provisional route must be examined.","C049–C050"],["19","A licensee files renewal late; another timely files a sufficient renewal still pending agency action.","The first faces the statutory suspension/expiration sequence. The second raises the unresolved §41-1092.11 interaction; neither is cleared from a submission receipt.","C042–C047"],["20","A surety gives cancellation notice; a consumer separately alleges loss and demands the full bond amount.","Replacement must be filed before termination to avoid the stated license consequence. The alleged loss does not establish claimant status, covered injury, or entitlement to the penal sum.","C068–C081"]]},{"headers":["Row","Issue / actor","Status / claims","Exact remaining evidence or next action"],"index":12,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Row","Issue / actor","Status / claims","Exact remaining evidence or next action"],["K01","Claim, collection agency, person, client/debtor distinctions","Answered — C001–C005","Actual relationships and obligations remain private facts."],["K02","Consumer versus business accounts","Answered — C005, C026, C083","Classify actual transaction purpose only in a separately authorized factual review."],["K03","Original creditor using true name","Partial — C006","Responsive authoritative Arizona construction and actual activity if a concrete determination is needed."],["K04","Original creditor using apparent third-party name","Answered — C004","Actual communications/name usage held."],["K05","Purchaser with retained recourse/unpaid price/unpassed title","Answered — C002","Actual purchase terms and performance held."],["K06","Fully paid nonrecourse purchaser","Partial — C007","Published authoritative Arizona interpretation of the remaining definitional issue."],["K07","Performing/defaulted-account servicer","Partial — C005, C033, C091","State activity/relationship classification; acquisition/default facts."],["K08","Ordinary affiliate","Answered boundary — C029, C087","Actual ownership, exclusivity, institutional status, and principal business."],["K09","Insured-depository affiliate","Answered predicates — C029","Federal insurance, control, and exclusive-client facts held."],["K10","Salaried credit employee versus contractor","Answered — C015","Actual employment-control/payroll facts held."],["K11","Licensed-agency employee versus separate agent","Answered — C020","Actual employer/license/relationship facts held."],["K12","Attorney and attorney-connected entity","Partial — C014, C098","Authoritative entity-level exemption application and actual practice facts."],["K13","Bank/fiduciary/financing-lending institution","Partial — C016","Charter/status, regular-course activity, and any material federal preemption body."],["K14","Common carrier","Answered predicate — C017","Actual qualifying status held."],["K15","Title insurer/agent/abstract company doing escrow","Answered — C018","Actual escrow role and status held."],["K16","Licensed real-estate broker/landlord distinction","Partial — C019","Broker status and actual activity; landlord merits remain separate."],["K17","Substation payment-office wording","Partial — C021","Authoritative interpretation of the literal A(8) wording."],["K18","Title 6 Chapter 7 cross-exemption","Answered boundary — C022–C023","Actual license/regular-course facts; no same-account dual-role clearance."],["K19","Title 6 Chapter 9 cross-exemption","Answered predicate — C024","Actual qualifying license and activity held."],["K20","Premium-finance license cross-exemption","Answered predicate — C025","Actual license held; underlying sector dossier deferred."],["K21","Commercial financing transaction","Answered — C026","Actual primary purpose, assignment/security terms, and debt purpose."],["K22","Accounting/bookkeeping/billing vendor","Answered — C027–C028","Actual account status at receipt, notice contents, contacts, and money access."],["K23","Licensed insurance-premium collector","Answered predicate — C030","Specific licensed article and financed-policy authorization."],["K24","Insurance administrator / inactive accounts","Answered — C031–C032","Actual administrator status, agreement, and inactivity period."],["K25","Nonprofit and other labels","Answered boundary — C033, C090","A specific state exemption must be demonstrated; label alone insufficient."],["K26","Remote activity and Arizona nexus","Partial — C008–C010","Authoritative outer territorial construction; actual debtor/creditor/office contacts."],["K27","Reciprocity and out-of-state forwardee","Answered predicates — C011–C012","Current reciprocity facts and actual allocation of collection activities."],["K28","Branch, business name, and acquisition","Partial — C048, C052–C054","Current operational change/DBA/branch instructions and specific transaction facts."],["K29","Security metric, continuity, and claimant boundary","Partial — C067–C081","Current L-CAR/bond instruments; cents/year/start-up treatment; release-timing interpretation."],["K30","Federal comparison and published interpretation","Partial — C082–C100","Current full §1692a official body; special linked exceptions; bounded further published treatment."]]},{"headers":["Row","Workflow","Status / claims","Exact remaining evidence or next action"],"index":13,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Row","Workflow","Status / claims","Exact remaining evidence or next action"],["W01","Identify issuing regulator / NMLS role","Answered — C034","No particular grant or entity status established."],["W02","Original application / financial statement / security","Partial — C035–C036","Current prescribed application, attachments, signatures, and financial form."],["W03","Receipt, review, deficiency, decision, issuance","Answered legal sequence — C038–C041","Actual submission/completeness/decision dates held."],["W04","Fingerprint/background/temporary-license route","Partial — C037","Current published fee/instruction body and actual agency requirement/grant."],["W05","Annual application/fee deadline","Answered text — C042–C043","Current portal receipt/cutoff instructions; no real calendar."],["W06","Suspension, January renewal, expiration","Partial — C044–C045, C065","Late-fee rule amount and authoritative endpoint treatment."],["W07","Timely pending renewal / military qualification","Partial — C046–C047","Authoritative reconciliation and actual qualifying facts/orders."],["W08","Manager departure / provisional application","Answered text — C049–C050","Actual departure, notices, replacement, and grant facts."],["W09","Personnel, organizational, name, address changes","Answered text — C048, C051–C053","Current public amendment checklist and actual event dates."],["W10","Application/annual/proration/refund charges","Partial — C058–C062","Current quarter assignment, billing procedure, and name-change amount."],["W11","Examination assessment and delinquency","Partial — C063–C064","Published actual examination rate and actual notice/expense facts."],["W12","Current public application/renewal instructions","Held — C107","Readable versioned S025–S026/S029–S035 bodies through ordinary public routes."],["W13","Public search route / license result","Held — C108","Readable current landing/workflow; no named-provider query authorized or performed."],["W14","Deposit claim documents, notice, hearing, release","Partial — C073–C081","Full Article 12 procedural bodies/current forms and release-timing construction before any real claim analysis."]]},{"headers":["Row","Currentness question","Status / claims","Exact missing evidence / next action"],"index":14,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[]],"rows":[["Row","Currentness question","Status / claims","Exact missing evidence / next action"],["V01","Posted statutory text versus legal effective date","Partial — C101–C106","Retain compilation disclaimer; extend enactment review if an unexamined cross-reference becomes decisive."],["V02","2021 fee/administrative amendment","Answered selected chain — C101","No whole-act or all-sector acceptance."],["V03","2022 character/renumbering amendment","Answered selected chain — C102","A(14) complaint cross-reference correction or authoritative construction remains open."],["V04","2023 collection-agency renewal amendment","Answered selected chain — C103","Operational implementation and pending-renewal reconciliation remain separate."],["V05","2023 Article 15 final rulemaking","Answered material adoption — C104","Broader conduct provisions remain deferred despite incidental reading."],["V06","2025 Article 1 final rulemaking","Answered material adoption — C105","Full later 2026 register/court-order certification not performed."],["V07","2024–2026 statutory amendments screen","Partial — C106","Tables cover identified regular-session chapters; no universal negative current-law claim."],["V08","Branch policy versus statute/rule","Partial — C054, C101","Full current bulletin/withdrawal history and operational instructions still unavailable."],["V09","Published cases/federal text currentness","Partial — C082, C093–C100","Full current §1692a; further material published treatment; no full citator certification."]]},{"headers":["Row","Model","Status / claims","Missing input before real use"],"index":15,"links":[],"row_links":[[],[],[],[],[]],"rows":[["Row","Model","Status / claims","Missing input before real use"],["E01","Initial outlay / quarter proration / denial","Conditional arithmetic — C058–C062, C066","Actual quarter count, invoice, premium contract, applicable registration/system/fingerprint charges."],["E02","Income tier / geographic overlap / cents boundary","Conditional arithmetic — C009, C067","Current form-defined period/accounting treatment and rounding authority."],["E03","Receipts / return / agreed charge / remittance / remaining balance","Conditional arithmetic — C069","Actual client agreement, ledger, authorized credits, payment dates, claimant/coverage facts."],["E04","Cash-deposit proportional claim","Conditional arithmetic — C073–C080","Judgment, documents, notices, stay status, prior payments, other claims, release authority/timing."]]},{"headers":["Row","Deferred family","Status / connection","Exact later work"],"index":16,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Row","Deferred family","Status / connection","Exact later work"],["D01","Debt management, settlement, credit repair, CROA, consumer-provider fees/proration","Deferred; C022–C023 only necessary boundary","Separate regime-specific research; no P01/P02 reopening or acceptance."],["D02","Full agreements and trust-fund administration","Deferred; C069 limited remittance context","Complete operative contract/trust requirements and practices."],["D03","Full bond/surety coverage and claim litigation","Deferred; C068–C081 gateway only","Prescribed bond, coverage defenses, aggregate/replenishment issues, full procedural/remedial authority."],["D04","Actual provider authorization/status","Held outside this task","No named-entity lookup; requires separately authorized factual verification."],["D05","Collection communications and validation","Deferred","Full Arizona/federal conduct regimes and operative exceptions."],["D06","Debt validity, contract defenses, added fees, merits/evidence","Deferred; C001/C100 boundary","Separate substantive and evidentiary investigation."],["D07","Service, default, vacatur, arbitration, full litigation procedure","Deferred","Court-specific operative rules/orders and actual facts if later authorized."],["D08","Limitations and judgment renewal","Deferred","Preserve separately submitted P05; no inference from licensing."],["D09","Earnings garnishment","Deferred","Preserve unreviewed P03 status."],["D10","Bank/non-earnings garnishment and property exemptions","Deferred","Preserve unreviewed P04 status."],["D11","Secured debt, foreclosure, repossession, homestead","Deferred","Full secured/enforcement and exemption regimes."],["D12","Tax, student, medical, utility, and other sector regimes","Deferred","Medical-billing/administrator actor predicates here do not complete medical-debt law."],["D13","Full state/federal remedies and private causes of action","Deferred","No automatic invalidity, damages, or reimbursement inferred from a licensing violation."],["D14","Special federal actor regimes, bankruptcy, government/private-program exceptions","Deferred/partial — C088, C092","Read complete materially applicable exception bodies before use."],["D15","Full Arizona, country, parent, A066/A097/A098 acceptance","Open, not accepted","Separate required passes and review; this component supplies no broader acceptance."]]},{"headers":["Row","Territory","Status","Exact missing evidence / next action"],"index":17,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Row","Territory","Status","Exact missing evidence / next action"],["T01","Apache County","Held — C110 inventory only","Official local business/office requirements and any selected security-claim court procedure; inspect only when a relevant location/route is specified."],["T02","Cochise County","Held — C110 inventory only","Same categories of official local requirements/procedure; no county practice read."],["T03","Coconino County","Held — C110 inventory only","Official local requirements and any relevant court practice; no local calendar selected."],["T04","Gila County","Held — C110 inventory only","Official local business/office and claim-procedure materials."],["T05","Graham County","Held — C110 inventory only","Official local business/office and claim-procedure materials."],["T06","Greenlee County","Held — C110 inventory only","Official local business/office and claim-procedure materials."],["T07","La Paz County","Held — C110 inventory only","Official local business/office and claim-procedure materials."],["T08","Maricopa County","Held — C110 inventory only","Official county/city requirements and any relevant court procedure; no inference from the statewide DIFI regime."],["T09","Mohave County","Held — C110 inventory only","Official local business/office and claim-procedure materials."],["T10","Navajo County","Held — C110 inventory only","Official local business/office and claim-procedure materials."],["T11","Pima County","Held — C110 inventory only","Official county/city requirements and any relevant court procedure."],["T12","Pinal County","Held — C110 inventory only","Official local business/office and claim-procedure materials."],["T13","Santa Cruz County","Held — C110 inventory only","Official local business/office and claim-procedure materials."],["T14","Yavapai County","Held — C110 inventory only","Official local business/office and claim-procedure materials."],["T15","Yuma County","Held — C110 inventory only","Official local business/office and claim-procedure materials."],["T16","Tribal territory / tribal actors","Deferred","Applicable tribal law, sovereign status, jurisdiction, and any controlling federal/state authority; none assumed from county geography."],["T17","Interstate activity / foreign institutions","Partial — C008–C012, C016","Complete territorial/preemption/other-state licensing analysis and actual contacts."],["T18","Actual location, court, calendar, company, surety, account, and claim facts","Held","All real facts remain outside this generic public-source pass; no court selection, deadline, or eligibility decision."]]},{"headers":["Original reviewed item and provenance","Original disposition preserved","PASS-06 contribution","What remains"],"index":18,"links":[],"row_links":[[],[]],"rows":[["Original reviewed item and provenance","Original disposition preserved","PASS-06 contribution","What remains"],["“Full collection, litigation, limitations, debtor-property exemptions, secured debt, sectors, local and tribal law, contract defenses/choice of law, broader case law.” User-supplied coordinator review: [internal evidence reference], 2026-10-23T05:19:34.171103Z; supplied description of the whole-report read and selected checks is provenance, not a fresh opening of that file.","“Excluded from completion of this pass; all remain open.” Coordinator acceptance supplied as component_partial_not_accepted_remaining_required_work. Original next action: “Separate focused investigations are required. Nothing in this component supplies statewide or A066 acceptance.”","Fresh collection-agency definitions, conditional exemptions, licensing/security/fee statutes and rules, selected enactments, bounded published interpretations, operational retrieval failures, and conditional models: C001–C110.","The original row is not duplicated as an accepted item. Operational and interpretive holds in this report remain; all other original categories and the prior-pass review statuses remain unchanged."]]}],"claims":[{"claim_id":"S_AZ-P06-C001","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P06-C001","Actor / predicate":"A person is employed to demand, collect, or enforce money owed, due, or asserted due to another.","Required step, consequence, or boundary":"This is the core statutory “claim” relationship. An asserted obligation can qualify without an adjudication that the debt is valid.","Primary pinpoint; confidence and hold":"S001, §32-1001(1). H text; debt validity remains separate."},"coordinator_verification_status":"scoped_record_reconciled_selected_primary_reuse_with_unreopened_application_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_AZ-P06-C001","whole_original_record_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"cited_source_usage_numbers":[1],"explicit_ranges_expanded":[],"selected_source_usage_ids":["S_AZ-P06-S001"],"selected_source_presence_not_entire_claim_validation":true,"all_primary_claim_accepted":false,"all_original_confidence_exceptions_currentness_holds_preserved":true}},{"claim_id":"S_AZ-P06-C002","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P06-C002","Actor / predicate":"An obligation is sold or assigned, but final payment has not been tendered, title has not passed, or the purchaser/assignee has recourse against the seller/assignor.","Required step, consequence, or boundary":"Any listed condition brings the obligation within the express purchased/assigned-claim inclusion. The contract’s title does not settle the issue.","Primary pinpoint; confidence and hold":"S001, §32-1001(1)(b)(i)–(iii). H."},"coordinator_verification_status":"scoped_record_reconciled_selected_primary_reuse_with_unreopened_application_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_AZ-P06-C002","whole_original_record_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"cited_source_usage_numbers":[1],"explicit_ranges_expanded":[],"selected_source_usage_ids":["S_AZ-P06-S001"],"selected_source_presence_not_entire_claim_validation":true,"all_primary_claim_accepted":false,"all_original_confidence_exceptions_currentness_holds_preserved":true}},{"claim_id":"S_AZ-P06-C003","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P06-C003","Actor / predicate":"A person directly or indirectly solicits claims for collection or collects claims owed, due, or asserted due.","Required step, consequence, or boundary":"The activity falls within the collection-agency definition, subject to classification and exemption analysis.","Primary pinpoint; confidence and hold":"S001, §32-1001(2)(a); S007, R20-4-1501. H."},"coordinator_verification_status":"scoped_record_reconciled_selected_primary_reuse_with_unreopened_application_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_AZ-P06-C003","whole_original_record_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"cited_source_usage_numbers":[1,7],"explicit_ranges_expanded":[],"selected_source_usage_ids":["S_AZ-P06-S001","S_AZ-P06-S007"],"selected_source_presence_not_entire_claim_validation":true,"all_primary_claim_accepted":false,"all_original_confidence_exceptions_currentness_holds_preserved":true}},{"claim_id":"S_AZ-P06-C004","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P06-C004","Actor / predicate":"A business collects its own debts using another name that indicates a third person is collecting.","Required step, consequence, or boundary":"The statute expressly includes that business in “collection agency.” Owning the debt does not avoid this limb.","Primary pinpoint; confidence and hold":"S001, §32-1001(2)(b). H."},"coordinator_verification_status":"scoped_record_reconciled_selected_primary_reuse_with_unreopened_application_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_AZ-P06-C004","whole_original_record_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"cited_source_usage_numbers":[1],"explicit_ranges_expanded":[],"selected_source_usage_ids":["S_AZ-P06-S001"],"selected_source_presence_not_entire_claim_validation":true,"all_primary_claim_accepted":false,"all_original_confidence_exceptions_currentness_holds_preserved":true}},{"claim_id":"S_AZ-P06-C005","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P06-C005","Actor / predicate":"Consumer or business obligations are collected.","Required step, consequence, or boundary":"Arizona’s general definition is not confined to personal/family/household debt, nor does it impose a general default-at-acquisition threshold.","Primary pinpoint; confidence and hold":"S001, §32-1001(1)–(2); S007, R20-4-1501. H text; sector-specific exceptions remain separate."},"coordinator_verification_status":"scoped_record_reconciled_selected_primary_reuse_with_unreopened_application_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_AZ-P06-C005","whole_original_record_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"cited_source_usage_numbers":[1,7],"explicit_ranges_expanded":[],"selected_source_usage_ids":["S_AZ-P06-S001","S_AZ-P06-S007"],"selected_source_presence_not_entire_claim_validation":true,"all_primary_claim_accepted":false,"all_original_confidence_exceptions_currentness_holds_preserved":true}},{"claim_id":"S_AZ-P06-C006","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P06-C006","Actor / predicate":"An original creditor collects only its own originated obligations in its true name.","Required step, consequence, or boundary":"That posture is distinguishable from employment to collect another’s claim and from the false-name limb. Treating it as outside those limbs is a textual inference, not a blanket exemption determination for every creditor activity.","Primary pinpoint; confidence and hold":"S001, §32-1001(1), (2)(b). I; actual activity and relationship held."},"coordinator_verification_status":"scoped_record_reconciled_selected_primary_reuse_with_unreopened_application_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_AZ-P06-C006","whole_original_record_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"cited_source_usage_numbers":[1],"explicit_ranges_expanded":[],"selected_source_usage_ids":["S_AZ-P06-S001"],"selected_source_presence_not_entire_claim_validation":true,"all_primary_claim_accepted":false,"all_original_confidence_exceptions_currentness_holds_preserved":true}},{"claim_id":"S_AZ-P06-C007","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P06-C007","Actor / predicate":"A purchaser asserts full payment, passed title, and no recourse.","Required step, consequence, or boundary":"Those facts remove the express conditions in §32-1001(1)(b); they do not, without further analysis, establish that every other definitional limb is inapplicable. No current authoritative Arizona blanket debt-buyer exclusion was established.","Primary pinpoint; confidence and hold":"S001, §32-1001(1)–(2). P; transaction documents and responsive authoritative construction missing."},"coordinator_verification_status":"scoped_record_reconciled_selected_primary_reuse_with_unreopened_application_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_AZ-P06-C007","whole_original_record_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"cited_source_usage_numbers":[1],"explicit_ranges_expanded":[],"selected_source_usage_ids":["S_AZ-P06-S001"],"selected_source_presence_not_entire_claim_validation":true,"all_primary_claim_accepted":false,"all_original_confidence_exceptions_currentness_holds_preserved":true}},{"claim_id":"S_AZ-P06-C008","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P06-C008","Actor / predicate":"A person conducts a collection agency “in this state.”","Required step, consequence, or boundary":"It must first apply for and obtain a Chapter 9 license unless an exemption applies. The statute does not make an application receipt a license.","Primary pinpoint; confidence and hold":"S001, §32-1055(A). H; precise outer territorial boundary held."},"coordinator_verification_status":"scoped_record_reconciled_selected_primary_reuse_with_unreopened_application_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_AZ-P06-C008","whole_original_record_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"cited_source_usage_numbers":[1],"explicit_ranges_expanded":[],"selected_source_usage_ids":["S_AZ-P06-S001"],"selected_source_presence_not_entire_claim_validation":true,"all_primary_claim_accepted":false,"all_original_confidence_exceptions_currentness_holds_preserved":true}},{"claim_id":"S_AZ-P06-C009","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P06-C009","Actor / predicate":"A licensee measures the bond base.","Required step, consequence, or boundary":"Arizona-connected business includes collection from Arizona-resident debtors, collection from an Arizona office, and collection for Arizona-resident creditors, with the specified location-independence. This definition is expressly “for purposes of this section”; it is not silently converted into a complete territorial licensing test.","Primary pinpoint; confidence and hold":"S001, §32-1021(D)(1)–(3). H text; broader nexus inference limited."},"coordinator_verification_status":"scoped_record_reconciled_selected_primary_reuse_with_unreopened_application_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_AZ-P06-C009","whole_original_record_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"cited_source_usage_numbers":[1],"explicit_ranges_expanded":[],"selected_source_usage_ids":["S_AZ-P06-S001"],"selected_source_presence_not_entire_claim_validation":true,"all_primary_claim_accepted":false,"all_original_confidence_exceptions_currentness_holds_preserved":true}},{"claim_id":"S_AZ-P06-C010","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P06-C010","Actor / predicate":"An existing licensee’s employee works remotely.","Required step, consequence, or boundary":"The general rule permits licensed activity at a remote work location under licensee supervision, written supervision policies, the information-security plan, and no physical records at that location. It does not license a separate remote business or independent contractor.","Primary pinpoint; confidence and hold":"S007, R20-4-102(29); S009, adopted text at 31 A.A.R. 539. H/P; actual employment and compliance held."},"coordinator_verification_status":"scoped_record_reconciled_selected_primary_reuse_with_unreopened_application_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_AZ-P06-C010","whole_original_record_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"cited_source_usage_numbers":[7,9],"explicit_ranges_expanded":[],"selected_source_usage_ids":["S_AZ-P06-S007"],"selected_source_presence_not_entire_claim_validation":true,"all_primary_claim_accepted":false,"all_original_confidence_exceptions_currentness_holds_preserved":true}},{"claim_id":"S_AZ-P06-C011","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P06-C011","Actor / predicate":"An Arizona-licensed agency receives claims as forwardee from an out-of-state agency or attorney.","Required step, consequence, or boundary":"Section 32-1055(B) expressly preserves this arrangement despite its prohibition on aiding, abetting, or receiving compensation from an unlicensed person. It does not expressly authorize every direct Arizona collection activity of the forwarding actor.","Primary pinpoint; confidence and hold":"S001, §32-1055(B). H narrow savings clause."},"coordinator_verification_status":"scoped_record_reconciled_selected_primary_reuse_with_unreopened_application_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_AZ-P06-C011","whole_original_record_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"cited_source_usage_numbers":[1],"explicit_ranges_expanded":[],"selected_source_usage_ids":["S_AZ-P06-S001"],"selected_source_presence_not_entire_claim_validation":true,"all_primary_claim_accepted":false,"all_original_confidence_exceptions_currentness_holds_preserved":true}},{"claim_id":"S_AZ-P06-C012","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P06-C012","Actor / predicate":"An out-of-state agency seeks reciprocity.","Required step, consequence, or boundary":"Arizona issuance requires a valid other-state license, substantially equal requirements when issued, reciprocal treatment, and Arizona application fees, financial requirements, and security. The other-state license alone is insufficient.","Primary pinpoint; confidence and hold":"S001, §32-1024(1)–(3); S007, R20-4-1502(B). H."},"coordinator_verification_status":"scoped_record_reconciled_selected_primary_reuse_with_unreopened_application_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_AZ-P06-C012","whole_original_record_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"cited_source_usage_numbers":[1,7],"explicit_ranges_expanded":[],"selected_source_usage_ids":["S_AZ-P06-S001","S_AZ-P06-S007"],"selected_source_presence_not_entire_claim_validation":true,"all_primary_claim_accepted":false,"all_original_confidence_exceptions_currentness_holds_preserved":true}},{"claim_id":"S_AZ-P06-C013","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P06-C013","Actor / predicate":"An actor invokes any §32-1004(A) exemption.","Required step, consequence, or boundary":"It must act in the regular course of its respective business and retain compliance with §32-1051(2)–(6), §32-1055(C), and §32-1055(D)(1), (2), (3), (5). Exemption is not general immunity from Chapter 9 duties.","Primary pinpoint; confidence and hold":"S001, §32-1004(A); §§32-1051, 32-1055. H."},"coordinator_verification_status":"scoped_record_reconciled_selected_primary_reuse_with_unreopened_application_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_AZ-P06-C013","whole_original_record_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"cited_source_usage_numbers":[1],"explicit_ranges_expanded":[],"selected_source_usage_ids":["S_AZ-P06-S001"],"selected_source_presence_not_entire_claim_validation":true,"all_primary_claim_accepted":false,"all_original_confidence_exceptions_currentness_holds_preserved":true}},{"claim_id":"S_AZ-P06-C014","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P06-C014","Actor / predicate":"An attorney invokes the attorney exemption.","Required step, consequence, or boundary":"The text exempts attorneys-at-law in the regular course of their business. An attorney’s ownership, affiliation, or letterhead does not itself establish an exemption for a separate collection company.","Primary pinpoint; confidence and hold":"S001, §32-1004(A)(1), introductory clause. H text; firm/entity application held."},"coordinator_verification_status":"scoped_record_reconciled_selected_primary_reuse_with_unreopened_application_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_AZ-P06-C014","whole_original_record_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"cited_source_usage_numbers":[1],"explicit_ranges_expanded":[],"selected_source_usage_ids":["S_AZ-P06-S001"],"selected_source_presence_not_entire_claim_validation":true,"all_primary_claim_accepted":false,"all_original_confidence_exceptions_currentness_holds_preserved":true}},{"claim_id":"S_AZ-P06-C015","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P06-C015","Actor / predicate":"A credit worker receives a regular wage or salary.","Required step, consequence, or boundary":"The credit-person/similar-capacity exemption excludes an independent contractor. A compensation label alone does not establish employment.","Primary pinpoint; confidence and hold":"S001, §32-1004(A)(2); S007, R20-4-102(16). H."},"coordinator_verification_status":"scoped_record_reconciled_selected_primary_reuse_with_unreopened_application_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_AZ-P06-C015","whole_original_record_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"cited_source_usage_numbers":[1,7],"explicit_ranges_expanded":[],"selected_source_usage_ids":["S_AZ-P06-S001","S_AZ-P06-S007"],"selected_source_presence_not_entire_claim_validation":true,"all_primary_claim_accepted":false,"all_original_confidence_exceptions_currentness_holds_preserved":true}},{"claim_id":"S_AZ-P06-C016","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P06-C016","Actor / predicate":"A bank, bank trust department, fiduciary, or financing/lending institution invokes A(3).","Required step, consequence, or boundary":"The enumerated institutional status and regular-course activity must be established. A generic “financial company” label is insufficient.","Primary pinpoint; confidence and hold":"S001, §32-1004(A)(3); §32-1001(5). H/P; particular institution and preemption facts held."},"coordinator_verification_status":"scoped_record_reconciled_selected_primary_reuse_with_unreopened_application_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_AZ-P06-C016","whole_original_record_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"cited_source_usage_numbers":[1],"explicit_ranges_expanded":[],"selected_source_usage_ids":["S_AZ-P06-S001"],"selected_source_presence_not_entire_claim_validation":true,"all_primary_claim_accepted":false,"all_original_confidence_exceptions_currentness_holds_preserved":true}},{"claim_id":"S_AZ-P06-C017","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P06-C017","Actor / predicate":"A common carrier invokes exemption.","Required step, consequence, or boundary":"Common carriers are enumerated, subject to regular-course activity and retained duties.","Primary pinpoint; confidence and hold":"S001, §32-1004(A)(4). H; no carrier-status determination."},"coordinator_verification_status":"scoped_record_reconciled_selected_primary_reuse_with_unreopened_application_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_AZ-P06-C017","whole_original_record_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"cited_source_usage_numbers":[1],"explicit_ranges_expanded":[],"selected_source_usage_ids":["S_AZ-P06-S001"],"selected_source_presence_not_entire_claim_validation":true,"all_primary_claim_accepted":false,"all_original_confidence_exceptions_currentness_holds_preserved":true}},{"claim_id":"S_AZ-P06-C018","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P06-C018","Actor / predicate":"A title insurer, title agent, or abstract company invokes exemption.","Required step, consequence, or boundary":"A(5) expressly requires it to be doing an escrow business.","Primary pinpoint; confidence and hold":"S001, §32-1004(A)(5). H."},"coordinator_verification_status":"scoped_record_reconciled_selected_primary_reuse_with_unreopened_application_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_AZ-P06-C018","whole_original_record_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"cited_source_usage_numbers":[1],"explicit_ranges_expanded":[],"selected_source_usage_ids":["S_AZ-P06-S001"],"selected_source_presence_not_entire_claim_validation":true,"all_primary_claim_accepted":false,"all_original_confidence_exceptions_currentness_holds_preserved":true}},{"claim_id":"S_AZ-P06-C019","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P06-C019","Actor / predicate":"A real-estate broker invokes exemption.","Required step, consequence, or boundary":"The text requires a licensed real-estate broker acting in the regular course of business. A landlord or billing contractor is not automatically such a broker.","Primary pinpoint; confidence and hold":"S001, §32-1004(A)(6). H/P; broker-license and activity facts held."},"coordinator_verification_status":"scoped_record_reconciled_selected_primary_reuse_with_unreopened_application_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_AZ-P06-C019","whole_original_record_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"cited_source_usage_numbers":[1],"explicit_ranges_expanded":[],"selected_source_usage_ids":["S_AZ-P06-S001"],"selected_source_presence_not_entire_claim_validation":true,"all_primary_claim_accepted":false,"all_original_confidence_exceptions_currentness_holds_preserved":true}},{"claim_id":"S_AZ-P06-C020","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P06-C020","Actor / predicate":"An employee works for a Chapter 9 licensee.","Required step, consequence, or boundary":"Employees of licensees are enumerated. A separately organized agent/vendor is not proven to be an employee merely by serving a licensee.","Primary pinpoint; confidence and hold":"S001, §32-1004(A)(7); S007, R20-4-102(16). H."},"coordinator_verification_status":"scoped_record_reconciled_selected_primary_reuse_with_unreopened_application_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_AZ-P06-C020","whole_original_record_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"cited_source_usage_numbers":[1,7],"explicit_ranges_expanded":[],"selected_source_usage_ids":["S_AZ-P06-S001","S_AZ-P06-S007"],"selected_source_presence_not_entire_claim_validation":true,"all_primary_claim_accepted":false,"all_original_confidence_exceptions_currentness_holds_preserved":true}},{"claim_id":"S_AZ-P06-C021","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P06-C021","Actor / predicate":"A substation payment office invokes A(8).","Required step, consequence, or boundary":"The posted wording is: “Substation payment offices employed by or serving as independent contractors or public utilities.” I preserve that wording; I do not rewrite “or” as “of” or resolve its ambiguous reach.","Primary pinpoint; confidence and hold":"S001, §32-1004(A)(8). H text; interpretation held."},"coordinator_verification_status":"scoped_record_reconciled_selected_primary_reuse_with_unreopened_application_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_AZ-P06-C021","whole_original_record_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"cited_source_usage_numbers":[1],"explicit_ranges_expanded":[],"selected_source_usage_ids":["S_AZ-P06-S001"],"selected_source_presence_not_entire_claim_validation":true,"all_primary_claim_accepted":false,"all_original_confidence_exceptions_currentness_holds_preserved":true}},{"claim_id":"S_AZ-P06-C022","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P06-C022","Actor / predicate":"A person actually holds a Title 6, Chapter 7 license.","Required step, consequence, or boundary":"Section 32-1004(A)(9) supplies a conditional cross-exemption. It requires the specified license and regular-course activity; merely marketing debt-management services is insufficient.","Primary pinpoint; confidence and hold":"S001, §32-1004(A)(9). H; actual status held."},"coordinator_verification_status":"scoped_record_reconciled_selected_primary_reuse_with_unreopened_application_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_AZ-P06-C022","whole_original_record_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"cited_source_usage_numbers":[1],"explicit_ranges_expanded":[],"selected_source_usage_ids":["S_AZ-P06-S001"],"selected_source_presence_not_entire_claim_validation":true,"all_primary_claim_accepted":false,"all_original_confidence_exceptions_currentness_holds_preserved":true}},{"claim_id":"S_AZ-P06-C023","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P06-C023","Actor / predicate":"A Title 6, Chapter 7 licensee proposes creditor-side activity.","Required step, consequence, or boundary":"The separately applicable §6-710 prohibits purchasing a creditor’s obligation and acting as both collection agent and debt-management provider on the same account. The cross-exemption does not erase those restrictions.","Primary pinpoint; confidence and hold":"S002, §6-710(3)–(4). H, narrow necessary cross-reference only."},"coordinator_verification_status":"scoped_record_reconciled_selected_primary_reuse_with_unreopened_application_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_AZ-P06-C023","whole_original_record_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"cited_source_usage_numbers":[2],"explicit_ranges_expanded":[],"selected_source_usage_ids":["S_AZ-P06-S002"],"selected_source_presence_not_entire_claim_validation":true,"all_primary_claim_accepted":false,"all_original_confidence_exceptions_currentness_holds_preserved":true}},{"claim_id":"S_AZ-P06-C024","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P06-C024","Actor / predicate":"A person actually holds a Title 6, Chapter 9 license.","Required step, consequence, or boundary":"That statutory license category is enumerated, subject to C013. It is not an exemption for every business calling itself a mortgage or finance company.","Primary pinpoint; confidence and hold":"S001, §32-1004(A)(10). H; underlying licensing qualification deferred."},"coordinator_verification_status":"scoped_record_reconciled_selected_primary_reuse_with_unreopened_application_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_AZ-P06-C024","whole_original_record_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"cited_source_usage_numbers":[1],"explicit_ranges_expanded":[],"selected_source_usage_ids":["S_AZ-P06-S001"],"selected_source_presence_not_entire_claim_validation":true,"all_primary_claim_accepted":false,"all_original_confidence_exceptions_currentness_holds_preserved":true}},{"claim_id":"S_AZ-P06-C025","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P06-C025","Actor / predicate":"A person actually holds a Title 6, Chapter 14, Article 1 license.","Required step, consequence, or boundary":"The specified premium-finance licensing category is enumerated, subject to C013.","Primary pinpoint; confidence and hold":"S001, §32-1004(A)(11); S002, §6-1401. H."},"coordinator_verification_status":"scoped_record_reconciled_selected_primary_reuse_with_unreopened_application_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_AZ-P06-C025","whole_original_record_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"cited_source_usage_numbers":[1,2],"explicit_ranges_expanded":[],"selected_source_usage_ids":["S_AZ-P06-S001","S_AZ-P06-S002"],"selected_source_presence_not_entire_claim_validation":true,"all_primary_claim_accepted":false,"all_original_confidence_exceptions_currentness_holds_preserved":true}},{"claim_id":"S_AZ-P06-C026","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P06-C026","Actor / predicate":"A finance transaction gives a lender rights in commercial claims due the borrower.","Required step, consequence, or boundary":"Assignment, purchase, or security interest can qualify. The transaction’s primary purpose cannot be facilitating collection; commercial claims exclude purchases for personal/family/household use.","Primary pinpoint; confidence and hold":"S001, §32-1004(A)(12), (B)(1)–(2). H."},"coordinator_verification_status":"scoped_record_reconciled_selected_primary_reuse_with_unreopened_application_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_AZ-P06-C026","whole_original_record_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"cited_source_usage_numbers":[1],"explicit_ranges_expanded":[],"selected_source_usage_ids":["S_AZ-P06-S001"],"selected_source_presence_not_entire_claim_validation":true,"all_primary_claim_accepted":false,"all_original_confidence_exceptions_currentness_holds_preserved":true}},{"claim_id":"S_AZ-P06-C027","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P06-C027","Actor / predicate":"An accounting, bookkeeping, or billing vendor invokes A(13).","Required step, consequence, or boundary":"All five conditions apply: accounts not contractually past due when received; only the initial written notice and one written follow-up initiated with individual debtors; no written payment request/demand; no receipt/access to debtor or insurer money; all communications in creditor’s name.","Primary pinpoint; confidence and hold":"S001, §32-1004(A)(13)(a)–(e). H."},"coordinator_verification_status":"scoped_record_reconciled_selected_primary_reuse_with_unreopened_application_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_AZ-P06-C027","whole_original_record_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"cited_source_usage_numbers":[1],"explicit_ranges_expanded":[],"selected_source_usage_ids":["S_AZ-P06-S001"],"selected_source_presence_not_entire_claim_validation":true,"all_primary_claim_accepted":false,"all_original_confidence_exceptions_currentness_holds_preserved":true}},{"claim_id":"S_AZ-P06-C028","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P06-C028","Actor / predicate":"The billing vendor sends the permitted notices.","Required step, consequence, or boundary":"Content is confined to creditor contact details, amount/itemization, due date, payment place, and a past-due statement if applicable. This does not override C027’s no-demand and no-money-access conditions.","Primary pinpoint; confidence and hold":"S001, §32-1004(C)(1)–(5). H."},"coordinator_verification_status":"scoped_record_reconciled_selected_primary_reuse_with_unreopened_application_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_AZ-P06-C028","whole_original_record_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"cited_source_usage_numbers":[1],"explicit_ranges_expanded":[],"selected_source_usage_ids":["S_AZ-P06-S001"],"selected_source_presence_not_entire_claim_validation":true,"all_primary_claim_accepted":false,"all_original_confidence_exceptions_currentness_holds_preserved":true}},{"claim_id":"S_AZ-P06-C029","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P06-C029","Actor / predicate":"A corporate affiliate collects for a federally insured depository institution or its affiliates.","Required step, consequence, or boundary":"A(14) requires the specified common ownership/corporate control and collection only for that institution or its affiliates. An ordinary group-company collector does not satisfy this paragraph merely because it is an affiliate.","Primary pinpoint; confidence and hold":"S001, §32-1004(A)(14), (D). H."},"coordinator_verification_status":"scoped_record_reconciled_selected_primary_reuse_with_unreopened_application_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_AZ-P06-C029","whole_original_record_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"cited_source_usage_numbers":[1],"explicit_ranges_expanded":[],"selected_source_usage_ids":["S_AZ-P06-S001"],"selected_source_presence_not_entire_claim_validation":true,"all_primary_claim_accepted":false,"all_original_confidence_exceptions_currentness_holds_preserved":true}},{"claim_id":"S_AZ-P06-C030","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P06-C030","Actor / predicate":"An insurance actor collects financed premiums.","Required step, consequence, or boundary":"A(15) requires licensing under one of the listed Title 20, Chapter 2 articles and authority to collect premiums under the specified premium-finance arrangement.","Primary pinpoint; confidence and hold":"S001, §32-1004(A)(15); S002, §6-1401(5). H; actual license/agreement held."},"coordinator_verification_status":"scoped_record_reconciled_selected_primary_reuse_with_unreopened_application_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_AZ-P06-C030","whole_original_record_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"cited_source_usage_numbers":[1,2],"explicit_ranges_expanded":[],"selected_source_usage_ids":["S_AZ-P06-S001","S_AZ-P06-S002"],"selected_source_presence_not_entire_claim_validation":true,"all_primary_claim_accepted":false,"all_original_confidence_exceptions_currentness_holds_preserved":true}},{"claim_id":"S_AZ-P06-C031","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P06-C031","Actor / predicate":"An insurance administrator collects charges.","Required step, consequence, or boundary":"A(16) requires the Title 20, Chapter 2, Article 9 license, qualifying administrator role, and collection under §20-485.09(B). A generic medical-billing vendor is not enough.","Primary pinpoint; confidence and hold":"S001, §32-1004(A)(16); S003, §§20-485, 20-485.09(B). H."},"coordinator_verification_status":"scoped_record_reconciled_selected_primary_reuse_with_unreopened_application_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_AZ-P06-C031","whole_original_record_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"cited_source_usage_numbers":[1,3],"explicit_ranges_expanded":[],"selected_source_usage_ids":["S_AZ-P06-S001"],"selected_source_presence_not_entire_claim_validation":true,"all_primary_claim_accepted":false,"all_original_confidence_exceptions_currentness_holds_preserved":true}},{"claim_id":"S_AZ-P06-C032","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P06-C032","Actor / predicate":"That administrator collects unpaid charges on an account inactive for more than twelve months.","Required step, consequence, or boundary":"Section 20-485.09(B) prohibits that collection without a collection-agency license. The insurer agreement must prescribe permissible collection standards.","Primary pinpoint; confidence and hold":"S003, §20-485.09(B). H; inactivity and agreement facts held."},"coordinator_verification_status":"scoped_record_reconciled_selected_primary_reuse_with_unreopened_application_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_AZ-P06-C032","whole_original_record_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"cited_source_usage_numbers":[3],"explicit_ranges_expanded":[],"selected_source_usage_ids":[],"selected_source_presence_not_entire_claim_validation":true,"all_primary_claim_accepted":false,"all_original_confidence_exceptions_currentness_holds_preserved":true}},{"claim_id":"S_AZ-P06-C033","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P06-C033","Actor / predicate":"An actor relies only on nonprofit status, an ordinary affiliate relationship, or the labels “servicer,” “assignee,” or “debt buyer.”","Required step, consequence, or boundary":"No blanket exemption for those labels was established from the enumerated text. Analyze the actual definition and a specific exemption instead.","Primary pinpoint; confidence and hold":"S001, §§32-1001, 32-1004. I/H textual comparison; no universal coverage determination."},"coordinator_verification_status":"scoped_record_reconciled_selected_primary_reuse_with_unreopened_application_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_AZ-P06-C033","whole_original_record_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"cited_source_usage_numbers":[1],"explicit_ranges_expanded":[],"selected_source_usage_ids":["S_AZ-P06-S001"],"selected_source_presence_not_entire_claim_validation":true,"all_primary_claim_accepted":false,"all_original_confidence_exceptions_currentness_holds_preserved":true}},{"claim_id":"S_AZ-P06-C034","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P06-C034","Actor / predicate":"A collection-agency applicant seeks Arizona authority.","Required act, clock, and consequence":"DIFI’s financial-institutions division, through the statutory Deputy Director/Director framework, administers the regime. Section 6-123(8) authorizes use of NMLS for Chapter 9 licensing and processing fees.","Primary pinpoint; confidence and hold":"S001, §32-1001(3)–(4); S002, §§6-101, 6-110, 6-123(8); S003, §20-102. H."},"coordinator_verification_status":"scoped_record_reconciled_selected_primary_reuse_with_unreopened_application_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_AZ-P06-C034","whole_original_record_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"cited_source_usage_numbers":[1,2,3],"explicit_ranges_expanded":[],"selected_source_usage_ids":["S_AZ-P06-S001","S_AZ-P06-S002"],"selected_source_presence_not_entire_claim_validation":true,"all_primary_claim_accepted":false,"all_original_confidence_exceptions_currentness_holds_preserved":true}},{"claim_id":"S_AZ-P06-C035","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P06-C035","Actor / predicate":"Original or renewal applicant.","Required act, clock, and consequence":"Submit the prescribed verified application, financial statement, and required security. The original-application rule also calls for organizational and personal-history material. No fixed minimum net-worth amount was established from the provisions read.","Primary pinpoint; confidence and hold":"S001, §§32-1021(A)–(C), 32-1022(A); S007, R20-4-1502(A), (C). H/P; current form fields held."},"coordinator_verification_status":"scoped_record_reconciled_selected_primary_reuse_with_unreopened_application_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_AZ-P06-C035","whole_original_record_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"cited_source_usage_numbers":[1,7],"explicit_ranges_expanded":[],"selected_source_usage_ids":["S_AZ-P06-S001","S_AZ-P06-S007"],"selected_source_presence_not_entire_claim_validation":true,"all_primary_claim_accepted":false,"all_original_confidence_exceptions_currentness_holds_preserved":true}},{"claim_id":"S_AZ-P06-C036","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P06-C036","Actor / predicate":"Individual applicant or the individual actively managing an entity applicant.","Required act, clock, and consequence":"Posted §32-1023 requires U.S. citizenship, no moral-turpitude conviction, no default on money collected for another, and no former suspended/revoked Chapter 9 license that was not reinstated.","Primary pinpoint; confidence and hold":"S001, §32-1023(A)–(B). H text; constitutional application, other relief statutes, and individual eligibility held."},"coordinator_verification_status":"scoped_record_reconciled_selected_primary_reuse_with_unreopened_application_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_AZ-P06-C036","whole_original_record_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"cited_source_usage_numbers":[1],"explicit_ranges_expanded":[],"selected_source_usage_ids":["S_AZ-P06-S001"],"selected_source_presence_not_entire_claim_validation":true,"all_primary_claim_accepted":false,"all_original_confidence_exceptions_currentness_holds_preserved":true}},{"claim_id":"S_AZ-P06-C037","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P06-C037","Actor / predicate":"Applicant, manager, officer, controlling individual, or other specified person is required to provide fingerprints.","Required act, clock, and consequence":"The Deputy Director may require fingerprints and fees; unreadable submissions can require paid resubmission. A temporary license is discretionary, may be terminated on stated grounds, and lasts no more than 180 days.","Primary pinpoint; confidence and hold":"S002, §6-123.01(A), (C)–(F); S007, R20-4-1405. H; current charges and actual grant held."},"coordinator_verification_status":"scoped_record_reconciled_selected_primary_reuse_with_unreopened_application_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_AZ-P06-C037","whole_original_record_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"cited_source_usage_numbers":[2,7],"explicit_ranges_expanded":[],"selected_source_usage_ids":["S_AZ-P06-S002","S_AZ-P06-S007"],"selected_source_presence_not_entire_claim_validation":true,"all_primary_claim_accepted":false,"all_original_confidence_exceptions_currentness_holds_preserved":true}},{"claim_id":"S_AZ-P06-C038","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P06-C038","Actor / predicate":"DIFI reviews an initial collection-agency application.","Required act, clock, and consequence":"The current table supplies 60 days administrative completeness + 60 days substantive review = 120 days overall, subject to the rule’s suspensions/extensions. It is an initial-application timeframe.","Primary pinpoint; confidence and hold":"S007, R20-4-107, Table A, row 16; S009, 31 A.A.R. 543. H."},"coordinator_verification_status":"scoped_record_reconciled_selected_primary_reuse_with_unreopened_application_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_AZ-P06-C038","whole_original_record_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"cited_source_usage_numbers":[7,9],"explicit_ranges_expanded":[],"selected_source_usage_ids":["S_AZ-P06-S007"],"selected_source_presence_not_entire_claim_validation":true,"all_primary_claim_accepted":false,"all_original_confidence_exceptions_currentness_holds_preserved":true}},{"claim_id":"S_AZ-P06-C039","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P06-C039","Actor / predicate":"DIFI identifies application deficiencies or requests additional substantive information.","Required act, clock, and consequence":"Written requests suspend specified review clocks. Failure adequately to respond within the rule’s 60-day response periods results in deemed withdrawal. The rule’s last-day provision addresses weekends/legal holidays for its notice periods.","Primary pinpoint; confidence and hold":"S007, R20-4-107(C)–(F); S004, §41-1075. H; no actual calendar computed."},"coordinator_verification_status":"scoped_record_reconciled_selected_primary_reuse_with_unreopened_application_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_AZ-P06-C039","whole_original_record_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"cited_source_usage_numbers":[4,7],"explicit_ranges_expanded":[],"selected_source_usage_ids":["S_AZ-P06-S004","S_AZ-P06-S007"],"selected_source_presence_not_entire_claim_validation":true,"all_primary_claim_accepted":false,"all_original_confidence_exceptions_currentness_holds_preserved":true}},{"claim_id":"S_AZ-P06-C040","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P06-C040","Actor / predicate":"DIFI misses an applicable overall licensing timeframe after an application is submitted for substantive review.","Required act, clock, and consequence":"Section 41-1077 requires the specified application-review fees to be refunded within 30 days after expiry of the timeframe; processing continues. This is not automatic license issuance and does not establish that every annual assessment is refundable under that section.","Primary pinpoint; confidence and hold":"S004, §41-1077(A)–(C); S007, R20-4-107(G). H/P."},"coordinator_verification_status":"scoped_record_reconciled_selected_primary_reuse_with_unreopened_application_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_AZ-P06-C040","whole_original_record_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"cited_source_usage_numbers":[4,7],"explicit_ranges_expanded":[],"selected_source_usage_ids":["S_AZ-P06-S004","S_AZ-P06-S007"],"selected_source_presence_not_entire_claim_validation":true,"all_primary_claim_accepted":false,"all_original_confidence_exceptions_currentness_holds_preserved":true}},{"claim_id":"S_AZ-P06-C041","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P06-C041","Actor / predicate":"DIFI receives a complete original application with fees, financial statement, and bond.","Required act, clock, and consequence":"The Deputy Director investigates qualifications, approves if statutory qualifications are met, and promptly issues after approval. Receipt, payment, or an NMLS submission record is not the grant.","Primary pinpoint; confidence and hold":"S001, §§32-1026(A), 32-1055(A); S004, §41-1076. H."},"coordinator_verification_status":"scoped_record_reconciled_selected_primary_reuse_with_unreopened_application_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_AZ-P06-C041","whole_original_record_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"cited_source_usage_numbers":[1,4],"explicit_ranges_expanded":[],"selected_source_usage_ids":["S_AZ-P06-S001","S_AZ-P06-S004"],"selected_source_presence_not_entire_claim_validation":true,"all_primary_claim_accepted":false,"all_original_confidence_exceptions_currentness_holds_preserved":true}},{"claim_id":"S_AZ-P06-C042","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P06-C042","Actor / predicate":"Existing licensee seeks annual renewal.","Required act, clock, and consequence":"File the financial statement, verified renewal application, and statutory fees not later than December 31, subject to §32-4301. The rule’s “before January 1” wording is consistent with that ordinary date.","Primary pinpoint; confidence and hold":"S001, §32-1025(A); S007, R20-4-1502(C). H; actual portal cutoff/time zone held."},"coordinator_verification_status":"scoped_record_reconciled_selected_primary_reuse_with_unreopened_application_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_AZ-P06-C042","whole_original_record_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"cited_source_usage_numbers":[1,7],"explicit_ranges_expanded":[],"selected_source_usage_ids":["S_AZ-P06-S001","S_AZ-P06-S007"],"selected_source_presence_not_entire_claim_validation":true,"all_primary_claim_accepted":false,"all_original_confidence_exceptions_currentness_holds_preserved":true}},{"claim_id":"S_AZ-P06-C043","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P06-C043","Actor / predicate":"Renewal applicant cannot supply the financial statement when filing.","Required act, clock, and consequence":"It may request a written extension; if granted, the statement is due no later than March 1. This is not a blanket extension for the application or fee.","Primary pinpoint; confidence and hold":"S001, §32-1025(A), second sentence. H."},"coordinator_verification_status":"scoped_record_reconciled_selected_primary_reuse_with_unreopened_application_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_AZ-P06-C043","whole_original_record_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"cited_source_usage_numbers":[1],"explicit_ranges_expanded":[],"selected_source_usage_ids":["S_AZ-P06-S001"],"selected_source_presence_not_entire_claim_validation":true,"all_primary_claim_accepted":false,"all_original_confidence_exceptions_currentness_holds_preserved":true}},{"claim_id":"S_AZ-P06-C044","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P06-C044","Actor / predicate":"A license is not renewed by December 31.","Required act, clock, and consequence":"The specific statute states suspension by operation of law. Actual status still requires consideration of the timely-pending and military provisions described below.","Primary pinpoint; confidence and hold":"S001, §32-1025(B); S004, §41-1092.11. H/P."},"coordinator_verification_status":"scoped_record_reconciled_selected_primary_reuse_with_unreopened_application_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_AZ-P06-C044","whole_original_record_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"cited_source_usage_numbers":[1,4],"explicit_ranges_expanded":[],"selected_source_usage_ids":["S_AZ-P06-S001","S_AZ-P06-S004"],"selected_source_presence_not_entire_claim_validation":true,"all_primary_claim_accepted":false,"all_original_confidence_exceptions_currentness_holds_preserved":true}},{"claim_id":"S_AZ-P06-C045","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P06-C045","Actor / predicate":"A suspended licensee seeks renewal during January.","Required act, clock, and consequence":"Section 32-1025(B) permits submission of the application, statutory fees, and any applicable rule-based late fee “before January 31”; it separately says licenses not renewed “on or before January 31” expire. I preserve that endpoint difference rather than choose a real deadline.","Primary pinpoint; confidence and hold":"S001, §32-1025(B). H text; endpoint interpretation and actual processing held."},"coordinator_verification_status":"scoped_record_reconciled_selected_primary_reuse_with_unreopened_application_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_AZ-P06-C045","whole_original_record_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"cited_source_usage_numbers":[1],"explicit_ranges_expanded":[],"selected_source_usage_ids":["S_AZ-P06-S001"],"selected_source_presence_not_entire_claim_validation":true,"all_primary_claim_accepted":false,"all_original_confidence_exceptions_currentness_holds_preserved":true}},{"claim_id":"S_AZ-P06-C046","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P06-C046","Actor / predicate":"A licensee timely submits a sufficient renewal for continuing activity.","Required act, clock, and consequence":"Section 41-1092.11(A) says the existing license does not expire until final agency determination and the applicable review period/order. Its interaction with §32-1025’s automatic suspension language was not authoritatively resolved here.","Primary pinpoint; confidence and hold":"S004, §41-1092.11(A)–(B); S001, §32-1025(B). P; no actual pending-license status determination."},"coordinator_verification_status":"scoped_record_reconciled_selected_primary_reuse_with_unreopened_application_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_AZ-P06-C046","whole_original_record_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"cited_source_usage_numbers":[1,4],"explicit_ranges_expanded":[],"selected_source_usage_ids":["S_AZ-P06-S001","S_AZ-P06-S004"],"selected_source_presence_not_entire_claim_validation":true,"all_primary_claim_accepted":false,"all_original_confidence_exceptions_currentness_holds_preserved":true}},{"claim_id":"S_AZ-P06-C047","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P06-C047","Actor / predicate":"A qualifying military member holds the license and meets notice/evidence conditions.","Required act, clock, and consequence":"Guard/reserve federal-active-duty protection and 180 days after return differ from the regular-component 180 days from expiration; qualifying service injury has another statutory anchor. Timely protected renewal excludes late/delinquency charges.","Primary pinpoint; confidence and hold":"S001, §32-4301(A)–(D). H; deployment of an entity’s manager is not assumed to extend the entity license."},"coordinator_verification_status":"scoped_record_reconciled_selected_primary_reuse_with_unreopened_application_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_AZ-P06-C047","whole_original_record_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"cited_source_usage_numbers":[1],"explicit_ranges_expanded":[],"selected_source_usage_ids":["S_AZ-P06-S001"],"selected_source_presence_not_entire_claim_validation":true,"all_primary_claim_accepted":false,"all_original_confidence_exceptions_currentness_holds_preserved":true}},{"claim_id":"S_AZ-P06-C048","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P06-C048","Actor / predicate":"A license or control of a licensee is acquired.","Required act, clock, and consequence":"A license is nontransferable/nonassignable. Acquisition of control requires prior written consent; here control means power to vote more than 20% of outstanding voting shares of the listed entity forms.","Primary pinpoint; confidence and hold":"S001, §32-1026(B). H; transaction structure held."},"coordinator_verification_status":"scoped_record_reconciled_selected_primary_reuse_with_unreopened_application_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_AZ-P06-C048","whole_original_record_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"cited_source_usage_numbers":[1],"explicit_ranges_expanded":[],"selected_source_usage_ids":["S_AZ-P06-S001"],"selected_source_presence_not_entire_claim_validation":true,"all_primary_claim_accepted":false,"all_original_confidence_exceptions_currentness_holds_preserved":true}},{"claim_id":"S_AZ-P06-C049","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P06-C049","Actor / predicate":"A licensed agency loses its qualified active manager.","Required act, clock, and consequence":"Notify the Deputy Director within 10 days; replace the qualified person and notify within 90 days after termination. Otherwise the license expires unless a provisional license has been granted.","Primary pinpoint; confidence and hold":"S001, §32-1023(C). H."},"coordinator_verification_status":"scoped_record_reconciled_selected_primary_reuse_with_unreopened_application_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_AZ-P06-C049","whole_original_record_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"cited_source_usage_numbers":[1],"explicit_ranges_expanded":[],"selected_source_usage_ids":["S_AZ-P06-S001"],"selected_source_presence_not_entire_claim_validation":true,"all_primary_claim_accepted":false,"all_original_confidence_exceptions_currentness_holds_preserved":true}},{"claim_id":"S_AZ-P06-C050","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P06-C050","Actor / predicate":"Death, partnership dissolution, or termination of the active manager triggers the provisional route.","Required act, clock, and consequence":"Apply within 30 days under the rule, with required proof and financial/security compliance. The statute specifies no fee; a personal-representative license is one year, nonrenewable, and wind-up only; other provisional licenses last three months unless full qualification occurs.","Primary pinpoint; confidence and hold":"S001, §32-1027(1)–(2); S007, R20-4-1502(D)–(F). H."},"coordinator_verification_status":"scoped_record_reconciled_selected_primary_reuse_with_unreopened_application_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_AZ-P06-C050","whole_original_record_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"cited_source_usage_numbers":[1,7],"explicit_ranges_expanded":[],"selected_source_usage_ids":["S_AZ-P06-S001","S_AZ-P06-S007"],"selected_source_presence_not_entire_claim_validation":true,"all_primary_claim_accepted":false,"all_original_confidence_exceptions_currentness_holds_preserved":true}},{"claim_id":"S_AZ-P06-C051","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P06-C051","Actor / predicate":"Officers, directors, partners, manager, or organizing documents change.","Required act, clock, and consequence":"Personnel-change reporting generally uses 10 days under R1503. Corporate articles amendments use 30 days; bylaws and noncorporate organizing-document amendments use 10 days, with specified certification.","Primary pinpoint; confidence and hold":"S007, R20-4-1503; R20-4-1506(A)–(C). H."},"coordinator_verification_status":"scoped_record_reconciled_selected_primary_reuse_with_unreopened_application_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_AZ-P06-C051","whole_original_record_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"cited_source_usage_numbers":[7],"explicit_ranges_expanded":[],"selected_source_usage_ids":["S_AZ-P06-S007"],"selected_source_presence_not_entire_claim_validation":true,"all_primary_claim_accepted":false,"all_original_confidence_exceptions_currentness_holds_preserved":true}},{"claim_id":"S_AZ-P06-C052","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P06-C052","Actor / predicate":"A collection agency changes its business name or business address.","Required act, clock, and consequence":"Notify DIFI within 10 days. Notice does not itself satisfy a separate license or prior-control-consent requirement.","Primary pinpoint; confidence and hold":"S001, §32-1055(D)(4); C048, C053. H."},"coordinator_verification_status":"scoped_record_reconciled_selected_primary_reuse_with_unreopened_application_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_AZ-P06-C052","whole_original_record_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"cited_source_usage_numbers":[1],"explicit_ranges_expanded":[],"selected_source_usage_ids":["S_AZ-P06-S001"],"selected_source_presence_not_entire_claim_validation":true,"all_primary_claim_accepted":false,"all_original_confidence_exceptions_currentness_holds_preserved":true}},{"claim_id":"S_AZ-P06-C053","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P06-C053","Actor / predicate":"An agency proposes another business name/DBA.","Required act, clock, and consequence":"It must apply for and obtain a separate license for each business name used in Arizona; misleading/confusing names are restricted. A trade-name filing is not the Chapter 9 grant.","Primary pinpoint; confidence and hold":"S007, R20-4-1519(A)–(C). H; current NMLS treatment/charges held."},"coordinator_verification_status":"scoped_record_reconciled_selected_primary_reuse_with_unreopened_application_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_AZ-P06-C053","whole_original_record_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"cited_source_usage_numbers":[7],"explicit_ranges_expanded":[],"selected_source_usage_ids":["S_AZ-P06-S007"],"selected_source_presence_not_entire_claim_validation":true,"all_primary_claim_accepted":false,"all_original_confidence_exceptions_currentness_holds_preserved":true}},{"claim_id":"S_AZ-P06-C054","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P06-C054","Actor / predicate":"An agency adds a physical branch under the same licensed business identity.","Required act, clock, and consequence":"The published 2020 policy notice says branch applications/renewals are not required; the 2021 fee amendment removed the collection-agency branch charges. This does not eliminate business-name, control, address, or other applicable duties.","Primary pinpoint; confidence and hold":"S017, M20-48 items 1–4; S010, §8; S002, §6-126. H texts, P current operational implementation."},"coordinator_verification_status":"scoped_record_reconciled_selected_primary_reuse_with_unreopened_application_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_AZ-P06-C054","whole_original_record_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"cited_source_usage_numbers":[2,10,17],"explicit_ranges_expanded":[],"selected_source_usage_ids":["S_AZ-P06-S002","S_AZ-P06-S017"],"selected_source_presence_not_entire_claim_validation":true,"all_primary_claim_accepted":false,"all_original_confidence_exceptions_currentness_holds_preserved":true}},{"claim_id":"S_AZ-P06-C055","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P06-C055","Actor / predicate":"A person operates a collection agency without the required license.","Required act, clock, and consequence":"Section 32-1056(A) classifies the conduct as a class 1 misdemeanor; §32-1057 addresses prosecution and participating corporate officers/agents. This finding does not automatically establish debt invalidity or a private damages remedy.","Primary pinpoint; confidence and hold":"S001, §§32-1056–1057. H; full remedies deferred."},"coordinator_verification_status":"scoped_record_reconciled_selected_primary_reuse_with_unreopened_application_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_AZ-P06-C055","whole_original_record_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"cited_source_usage_numbers":[1],"explicit_ranges_expanded":[],"selected_source_usage_ids":["S_AZ-P06-S001"],"selected_source_presence_not_entire_claim_validation":true,"all_primary_claim_accepted":false,"all_original_confidence_exceptions_currentness_holds_preserved":true}},{"claim_id":"S_AZ-P06-C056","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P06-C056","Actor / predicate":"Applicant/licensee or specified associated person has disqualifying conduct.","Required act, clock, and consequence":"Section 32-1053 permits denial/suspension/revocation on its stated grounds. Its “controlling person” test is over 20% equity plus power actively to participate, distinct from C048’s voting-power test.","Primary pinpoint; confidence and hold":"S001, §32-1053(A)–(B); S006, §47-1201(B)(23). H; actual adjudication and bankruptcy-insolvency branch held."},"coordinator_verification_status":"scoped_record_reconciled_selected_primary_reuse_with_unreopened_application_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_AZ-P06-C056","whole_original_record_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"cited_source_usage_numbers":[1,6],"explicit_ranges_expanded":[],"selected_source_usage_ids":["S_AZ-P06-S001"],"selected_source_presence_not_entire_claim_validation":true,"all_primary_claim_accepted":false,"all_original_confidence_exceptions_currentness_holds_preserved":true}},{"claim_id":"S_AZ-P06-C057","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P06-C057","Actor / predicate":"A licensee describes its license or security to others.","Required act, clock, and consequence":"It may not imply state vouching, state affiliation, or that it is bonded by the state. A license and a statutory bond are not an endorsement or guarantee of collectibility.","Primary pinpoint; confidence and hold":"S001, §32-1051(6); S007, R20-4-1516. H."},"coordinator_verification_status":"scoped_record_reconciled_selected_primary_reuse_with_unreopened_application_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_AZ-P06-C057","whole_original_record_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"cited_source_usage_numbers":[1,7],"explicit_ranges_expanded":[],"selected_source_usage_ids":["S_AZ-P06-S001","S_AZ-P06-S007"],"selected_source_presence_not_entire_claim_validation":true,"all_primary_claim_accepted":false,"all_original_confidence_exceptions_currentness_holds_preserved":true}},{"claim_id":"S_AZ-P06-C058","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P06-C058","Charge / predicate":"Original collection-agency application.","Base, timing, refund, or consequence":"$1,500, payable with filing and ordinarily nonrefundable. The rule’s investigation-fee reference does not establish a second $1,500 charge.","Primary pinpoint; confidence and hold":"S002, §6-126(A)(15), introductory clause; S001, §32-1028; S007, R20-4-1502(A). H; C040 exception separate."},"coordinator_verification_status":"scoped_record_reconciled_selected_primary_reuse_with_unreopened_application_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_AZ-P06-C058","whole_original_record_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"cited_source_usage_numbers":[1,2,7],"explicit_ranges_expanded":[],"selected_source_usage_ids":["S_AZ-P06-S001","S_AZ-P06-S002","S_AZ-P06-S007"],"selected_source_presence_not_entire_claim_validation":true,"all_primary_claim_accepted":false,"all_original_confidence_exceptions_currentness_holds_preserved":true}},{"claim_id":"S_AZ-P06-C059","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P06-C059","Charge / predicate":"Annual collection-agency assessment/renewal.","Base, timing, refund, or consequence":"$600 each year. The current collection-agency entry has no per-branch add-on.","Primary pinpoint; confidence and hold":"S002, §6-126(D)(3). H."},"coordinator_verification_status":"scoped_record_reconciled_selected_primary_reuse_with_unreopened_application_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_AZ-P06-C059","whole_original_record_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"cited_source_usage_numbers":[2],"explicit_ranges_expanded":[],"selected_source_usage_ids":["S_AZ-P06-S002"],"selected_source_presence_not_entire_claim_validation":true,"all_primary_claim_accepted":false,"all_original_confidence_exceptions_currentness_holds_preserved":true}},{"claim_id":"S_AZ-P06-C060","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P06-C060","Charge / predicate":"First annual assessment on an enterprise application.","Base, timing, refund, or consequence":"Pay on application, prorated according to quarters remaining until the next annual assessment or renewal. The statute establishes the quarterly basis; current instructions deciding all partial-quarter/invoicing inputs were not read.","Primary pinpoint; confidence and hold":"S002, §6-126(B). H formula, P operational inputs."},"coordinator_verification_status":"scoped_record_reconciled_selected_primary_reuse_with_unreopened_application_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_AZ-P06-C060","whole_original_record_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"cited_source_usage_numbers":[2],"explicit_ranges_expanded":[],"selected_source_usage_ids":["S_AZ-P06-S002"],"selected_source_presence_not_entire_claim_validation":true,"all_primary_claim_accepted":false,"all_original_confidence_exceptions_currentness_holds_preserved":true}},{"claim_id":"S_AZ-P06-C061","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P06-C061","Charge / predicate":"Application is denied or annual renewal is paid.","Base, timing, refund, or consequence":"Denial requires refund of the prorated initial annual assessment; annual renewal fees are nonrefundable. This does not create a refund of a private premium or erase the separate application-fee rule.","Primary pinpoint; confidence and hold":"S002, §6-126(A), (B); C040. H."},"coordinator_verification_status":"scoped_record_reconciled_selected_primary_reuse_with_unreopened_application_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_AZ-P06-C061","whole_original_record_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"cited_source_usage_numbers":[2],"explicit_ranges_expanded":[],"selected_source_usage_ids":["S_AZ-P06-S002"],"selected_source_presence_not_entire_claim_validation":true,"all_primary_claim_accepted":false,"all_original_confidence_exceptions_currentness_holds_preserved":true}},{"claim_id":"S_AZ-P06-C062","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P06-C062","Charge / predicate":"Licensee changes the licensed name.","Base, timing, refund, or consequence":"Statutory charge is not more than $250, not a verified fixed $250 invoice. Current §6-126 does not retain the old collection-agency manager-change/move/duplicate and branch amounts removed in 2021.","Primary pinpoint; confidence and hold":"S002, §6-126(A)(22); S010, §8. H ceiling/history; exact current assessed amount held."},"coordinator_verification_status":"scoped_record_reconciled_selected_primary_reuse_with_unreopened_application_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_AZ-P06-C062","whole_original_record_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"cited_source_usage_numbers":[2,10],"explicit_ranges_expanded":[],"selected_source_usage_ids":["S_AZ-P06-S002"],"selected_source_presence_not_entire_claim_validation":true,"all_primary_claim_accepted":false,"all_original_confidence_exceptions_currentness_holds_preserved":true}},{"claim_id":"S_AZ-P06-C063","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P06-C063","Charge / predicate":"DIFI examines an enterprise.","Base, timing, refund, or consequence":"The statutory examination rate may not exceed $65 per examiner-hour; an out-of-state office examination may also involve actual travel/subsistence expense. The current rate actually set was not verified.","Primary pinpoint; confidence and hold":"S002, §6-125(B)(4), (C). H ceiling, held actual rate."},"coordinator_verification_status":"scoped_record_reconciled_selected_primary_reuse_with_unreopened_application_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_AZ-P06-C063","whole_original_record_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"cited_source_usage_numbers":[2],"explicit_ranges_expanded":[],"selected_source_usage_ids":["S_AZ-P06-S002"],"selected_source_presence_not_entire_claim_validation":true,"all_primary_claim_accepted":false,"all_original_confidence_exceptions_currentness_holds_preserved":true}},{"claim_id":"S_AZ-P06-C064","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P06-C064","Charge / predicate":"An examination assessment remains unpaid.","Base, timing, refund, or consequence":"Payment is due within 30 days after mailing of the assessment notice. The statutory $50/day, capped at the examination assessment, concerns this delinquency, subject to the specified timely written extension. It is not a renewal late-fee amount.","Primary pinpoint; confidence and hold":"S002, §6-125(D). H."},"coordinator_verification_status":"scoped_record_reconciled_selected_primary_reuse_with_unreopened_application_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_AZ-P06-C064","whole_original_record_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"cited_source_usage_numbers":[2],"explicit_ranges_expanded":[],"selected_source_usage_ids":["S_AZ-P06-S002"],"selected_source_presence_not_entire_claim_validation":true,"all_primary_claim_accepted":false,"all_original_confidence_exceptions_currentness_holds_preserved":true}},{"claim_id":"S_AZ-P06-C065","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P06-C065","Charge / predicate":"A suspended license is renewed late.","Base, timing, refund, or consequence":"Section 32-1025 authorizes any applicable late fee determined by rule. An exact current collection-agency renewal late-fee amount was not verified.","Primary pinpoint; confidence and hold":"S001, §32-1025(B); S007 and inaccessible S029–S032. Held amount."},"coordinator_verification_status":"scoped_record_reconciled_selected_primary_reuse_with_unreopened_application_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_AZ-P06-C065","whole_original_record_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"cited_source_usage_numbers":[1,7,29,30,31,32],"explicit_ranges_expanded":[[29,32]],"selected_source_usage_ids":["S_AZ-P06-S001","S_AZ-P06-S007"],"selected_source_presence_not_entire_claim_validation":true,"all_primary_claim_accepted":false,"all_original_confidence_exceptions_currentness_holds_preserved":true}},{"claim_id":"S_AZ-P06-C066","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P06-C066","Charge / predicate":"NMLS processing, fingerprints, entity registration, control-change processing, or checkout extras may be involved.","Base, timing, refund, or consequence":"NMLS and fingerprint charges have statutory predicates, but exact amounts were not read. The $5,000 financial-institution control fee cannot be added merely by analogy to a collection-agency acquisition.","Primary pinpoint; confidence and hold":"S002, §§6-123(8), 6-123.01, 6-126(A)(11); S025–S035. P/Held; no checkout total."},"coordinator_verification_status":"scoped_record_reconciled_selected_primary_reuse_with_unreopened_application_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_AZ-P06-C066","whole_original_record_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"cited_source_usage_numbers":[2,25,26,27,28,29,30,31,32,33,34,35],"explicit_ranges_expanded":[[25,35]],"selected_source_usage_ids":["S_AZ-P06-S002"],"selected_source_presence_not_entire_claim_validation":true,"all_primary_claim_accepted":false,"all_original_confidence_exceptions_currentness_holds_preserved":true}},{"claim_id":"S_AZ-P06-C067","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P06-C067","Actor / predicate":"Original/renewal applicant calculates required minimum bond.","Required act, amount, clock, or consequence":"Base: licensee’s gross annual income from all specified Arizona-connected business during the preceding year. Tiers: not over $250,000 → $10,000; $250,001–$500,000 → $15,000; $500,001–$750,000 → $25,000; $750,001+ → $35,000. No CPI adjustment is stated here.","Primary pinpoint; confidence and hold":"S001, §32-1021(B)(2), (D). H; reporting-window/start-up/cents-gap treatment held."},"coordinator_verification_status":"scoped_record_reconciled_selected_primary_reuse_with_unreopened_application_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_AZ-P06-C067","whole_original_record_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"cited_source_usage_numbers":[1],"explicit_ranges_expanded":[],"selected_source_usage_ids":["S_AZ-P06-S001"],"selected_source_presence_not_entire_claim_validation":true,"all_primary_claim_accepted":false,"all_original_confidence_exceptions_currentness_holds_preserved":true}},{"claim_id":"S_AZ-P06-C068","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P06-C068","Actor / predicate":"Applicant supplies a surety bond.","Required act, amount, clock, or consequence":"Applicant is principal; a corporation licensed in Arizona for fidelity/surety insurance is surety; bond runs to the people of the state and remains continuous while licensed.","Primary pinpoint; confidence and hold":"S001, §32-1022(B). H; current prescribed bond instrument not read."},"coordinator_verification_status":"scoped_record_reconciled_selected_primary_reuse_with_unreopened_application_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_AZ-P06-C068","whole_original_record_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"cited_source_usage_numbers":[1],"explicit_ranges_expanded":[],"selected_source_usage_ids":["S_AZ-P06-S001"],"selected_source_presence_not_entire_claim_validation":true,"all_primary_claim_accepted":false,"all_original_confidence_exceptions_currentness_holds_preserved":true}},{"claim_id":"S_AZ-P06-C069","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P06-C069","Actor / predicate":"Agency collects proceeds for a client.","Required act, amount, clock, or consequence":"The bond condition requires accounting and remittance, less agreed client collection charges, within 30 days after collection-month end. If the amount due the client is less than $5, payment may be deferred another 30 days.","Primary pinpoint; confidence and hold":"S001, §§32-1022(B), 32-1055(D)(1). H; not authority to add a debtor charge."},"coordinator_verification_status":"scoped_record_reconciled_selected_primary_reuse_with_unreopened_application_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_AZ-P06-C069","whole_original_record_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"cited_source_usage_numbers":[1],"explicit_ranges_expanded":[],"selected_source_usage_ids":["S_AZ-P06-S001"],"selected_source_presence_not_entire_claim_validation":true,"all_primary_claim_accepted":false,"all_original_confidence_exceptions_currentness_holds_preserved":true}},{"claim_id":"S_AZ-P06-C070","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P06-C070","Actor / predicate":"Surety withdraws/cancels or licensee changes surety.","Required act, amount, clock, or consequence":"Surety gives 60 days’ registered-mail notice to the Deputy Director and licensee. Without a replacement bond filed before termination, the license is void. A changed surety must meet statutory qualifications.","Primary pinpoint; confidence and hold":"S001, §32-1022(C). H; actual delivery/termination facts held."},"coordinator_verification_status":"scoped_record_reconciled_selected_primary_reuse_with_unreopened_application_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_AZ-P06-C070","whole_original_record_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"cited_source_usage_numbers":[1],"explicit_ranges_expanded":[],"selected_source_usage_ids":["S_AZ-P06-S001"],"selected_source_presence_not_entire_claim_validation":true,"all_primary_claim_accepted":false,"all_original_confidence_exceptions_currentness_holds_preserved":true}},{"claim_id":"S_AZ-P06-C071","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P06-C071","Actor / predicate":"Applicant uses cash or an approved cash alternative.","Required act, amount, clock, or consequence":"Amount equals required security. Listed alternatives require the specified Arizona-doing-business institution, federal insurance, and payment/assignment to the State Treasurer. Acceptance is not established by the applicant merely owning a deposit account.","Primary pinpoint; confidence and hold":"S001, §32-1022(D)–(E). H."},"coordinator_verification_status":"scoped_record_reconciled_selected_primary_reuse_with_unreopened_application_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_AZ-P06-C071","whole_original_record_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"cited_source_usage_numbers":[1],"explicit_ranges_expanded":[],"selected_source_usage_ids":["S_AZ-P06-S001"],"selected_source_presence_not_entire_claim_validation":true,"all_primary_claim_accepted":false,"all_original_confidence_exceptions_currentness_holds_preserved":true}},{"claim_id":"S_AZ-P06-C072","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P06-C072","Actor / predicate":"State Treasurer holds cash/alternative security.","Required act, amount, clock, or consequence":"Applicant is entitled to accrued interest from the alternatives. An administrative fee may be imposed, capped at $10 per deposit; neither a mandatory $10 nor an interest rate was verified.","Primary pinpoint; confidence and hold":"S001, §32-1022(E). H."},"coordinator_verification_status":"scoped_record_reconciled_selected_primary_reuse_with_unreopened_application_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_AZ-P06-C072","whole_original_record_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"cited_source_usage_numbers":[1],"explicit_ranges_expanded":[],"selected_source_usage_ids":["S_AZ-P06-S001"],"selected_source_presence_not_entire_claim_validation":true,"all_primary_claim_accepted":false,"all_original_confidence_exceptions_currentness_holds_preserved":true}},{"claim_id":"S_AZ-P06-C073","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P06-C073","Actor / predicate":"Deposited principal is proposed for release.","Required act, amount, clock, or consequence":"Section 32-1022(F) requires written Deputy Director authorization or a competent-court order and states a three-year restriction from the first listed substitution/surrender/revocation/expiration event. Its interaction with claim payments under R105(H)–(I) was not authoritatively reconciled here.","Primary pinpoint; confidence and hold":"S001, §32-1022(F)(1)–(4); S007, R20-4-105(H)–(J). P; no immediate-release conclusion."},"coordinator_verification_status":"scoped_record_reconciled_selected_primary_reuse_with_unreopened_application_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_AZ-P06-C073","whole_original_record_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"cited_source_usage_numbers":[1,7],"explicit_ranges_expanded":[],"selected_source_usage_ids":["S_AZ-P06-S001","S_AZ-P06-S007"],"selected_source_presence_not_entire_claim_validation":true,"all_primary_claim_accepted":false,"all_original_confidence_exceptions_currentness_holds_preserved":true}},{"claim_id":"S_AZ-P06-C074","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P06-C074","Actor / predicate":"Suit is brought on bond, cash, or cash alternative.","Required act, amount, clock, or consequence":"Section 32-1022(G) states a three-year period after the underlying act(s), with fraud/mistake measured under §12-543(3)’s discovery provision. This is distinct from the rule’s postjudgment administrative claim clock.","Primary pinpoint; confidence and hold":"S001, §32-1022(G); S005, §12-543(3). H text; actual accrual/tolling held."},"coordinator_verification_status":"scoped_record_reconciled_selected_primary_reuse_with_unreopened_application_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_AZ-P06-C074","whole_original_record_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"cited_source_usage_numbers":[1,5],"explicit_ranges_expanded":[],"selected_source_usage_ids":["S_AZ-P06-S001"],"selected_source_presence_not_entire_claim_validation":true,"all_primary_claim_accepted":false,"all_original_confidence_exceptions_currentness_holds_preserved":true}},{"claim_id":"S_AZ-P06-C075","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P06-C075","Actor / predicate":"A person seeks payment from a deposit in place of bond.","Required act, amount, clock, or consequence":"R105 requires a final judgment of a competent court against the depositor for specified injury in licensed business, certified complaint/judgment, execution-stay statement, recovery statement, and sworn notarized claim verification.","Primary pinpoint; confidence and hold":"S007, R20-4-105(A)–(B). H; a complaint or alleged loss alone is insufficient."},"coordinator_verification_status":"scoped_record_reconciled_selected_primary_reuse_with_unreopened_application_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_AZ-P06-C075","whole_original_record_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"cited_source_usage_numbers":[7],"explicit_ranges_expanded":[],"selected_source_usage_ids":["S_AZ-P06-S007"],"selected_source_presence_not_entire_claim_validation":true,"all_primary_claim_accepted":false,"all_original_confidence_exceptions_currentness_holds_preserved":true}},{"claim_id":"S_AZ-P06-C076","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P06-C076","Actor / predicate":"Claimant files the R105 verified claim.","Required act, amount, clock, or consequence":"File the claim and all supporting documents within six months after judgment entry. If execution is stayed during the first six months, the rule specifies filing only during the six months after the stay is lifted.","Primary pinpoint; confidence and hold":"S007, R20-4-105(C). H; no actual calendar or stay determination."},"coordinator_verification_status":"scoped_record_reconciled_selected_primary_reuse_with_unreopened_application_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_AZ-P06-C076","whole_original_record_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"cited_source_usage_numbers":[7],"explicit_ranges_expanded":[],"selected_source_usage_ids":["S_AZ-P06-S007"],"selected_source_presence_not_entire_claim_validation":true,"all_primary_claim_accepted":false,"all_original_confidence_exceptions_currentness_holds_preserved":true}},{"claim_id":"S_AZ-P06-C077","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P06-C077","Actor / predicate":"Claimant invokes the deposit claim process.","Required act, amount, clock, or consequence":"Deliver copies to the depositor within 10 days after the original filing, make the depositor a party, and proceed as a contested case. R105 treats a timely claim as a hearing request under §41-1092.03(B).","Primary pinpoint; confidence and hold":"S007, R20-4-105(C)–(D); S004, §41-1092.03(B). H/P; full Article 12 hearing/appeal procedure deferred."},"coordinator_verification_status":"scoped_record_reconciled_selected_primary_reuse_with_unreopened_application_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_AZ-P06-C077","whole_original_record_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"cited_source_usage_numbers":[4,7],"explicit_ranges_expanded":[],"selected_source_usage_ids":["S_AZ-P06-S004","S_AZ-P06-S007"],"selected_source_presence_not_entire_claim_validation":true,"all_primary_claim_accepted":false,"all_original_confidence_exceptions_currentness_holds_preserved":true}},{"claim_id":"S_AZ-P06-C078","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P06-C078","Actor / predicate":"Agency considers a verified deposit claim after hearing.","Required act, amount, clock, or consequence":"Denial grounds include wrong type of injury, default/stipulated/consent judgment without the required injury showing, stayed execution, fraud/collusion, satisfaction elsewhere, or an underlying action that was time-barred when commenced. A default judgment is not automatically payable.","Primary pinpoint; confidence and hold":"S007, R20-4-105(E)(1)–(6). H."},"coordinator_verification_status":"scoped_record_reconciled_selected_primary_reuse_with_unreopened_application_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_AZ-P06-C078","whole_original_record_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"cited_source_usage_numbers":[7],"explicit_ranges_expanded":[],"selected_source_usage_ids":["S_AZ-P06-S007"],"selected_source_presence_not_entire_claim_validation":true,"all_primary_claim_accepted":false,"all_original_confidence_exceptions_currentness_holds_preserved":true}},{"claim_id":"S_AZ-P06-C079","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P06-C079","Actor / predicate":"Agency grants the verified deposit claim.","Required act, amount, clock, or consequence":"Award is based on compensatory damages, excluding attorney fees and amounts previously paid. Prior recoveries cannot be ignored or credited twice.","Primary pinpoint; confidence and hold":"S007, R20-4-105(F). H."},"coordinator_verification_status":"scoped_record_reconciled_selected_primary_reuse_with_unreopened_application_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_AZ-P06-C079","whole_original_record_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"cited_source_usage_numbers":[7],"explicit_ranges_expanded":[],"selected_source_usage_ids":["S_AZ-P06-S007"],"selected_source_presence_not_entire_claim_validation":true,"all_primary_claim_accepted":false,"all_original_confidence_exceptions_currentness_holds_preserved":true}},{"claim_id":"S_AZ-P06-C080","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P06-C080","Actor / predicate":"Deposit is insufficient and other civil actions were properly noticed.","Required act, amount, clock, or consequence":"R105(I) uses: deposit × this award ÷ (this award + compensatory damages sought in other noticed actions against the same depositor). The denominator is not simply all final judgments.","Primary pinpoint; confidence and hold":"S007, R20-4-105(G)–(I). H formula; actual notices, amounts, availability, and C073 timing held."},"coordinator_verification_status":"scoped_record_reconciled_selected_primary_reuse_with_unreopened_application_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_AZ-P06-C080","whole_original_record_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"cited_source_usage_numbers":[7],"explicit_ranges_expanded":[],"selected_source_usage_ids":["S_AZ-P06-S007"],"selected_source_presence_not_entire_claim_validation":true,"all_primary_claim_accepted":false,"all_original_confidence_exceptions_currentness_holds_preserved":true}},{"claim_id":"S_AZ-P06-C081","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P06-C081","Actor / predicate":"Security is mistaken for guaranteed reimbursement.","Required act, amount, clock, or consequence":"R105 concerns deposits in place of bond; receivership can use a different court-directed route. The statutory surety condition chiefly addresses client accounting/remittance. Neither establishes automatic consumer payment, unlimited recovery, or authority to collect a particular debt.","Primary pinpoint; confidence and hold":"S001, §32-1022(B), (D)–(G); S007, R20-4-105(J)–(K). H/P; full surety coverage/claim litigation deferred."},"coordinator_verification_status":"scoped_record_reconciled_selected_primary_reuse_with_unreopened_application_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_AZ-P06-C081","whole_original_record_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"cited_source_usage_numbers":[1,7],"explicit_ranges_expanded":[],"selected_source_usage_ids":["S_AZ-P06-S001","S_AZ-P06-S007"],"selected_source_presence_not_entire_claim_validation":true,"all_primary_claim_accepted":false,"all_original_confidence_exceptions_currentness_holds_preserved":true}},{"claim_id":"S_AZ-P06-C082","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P06-C082","Actor / predicate":"Researcher attempts current §1692a verification.","Federal result and Arizona boundary":"House U.S. Code route failed; GovInfo alternate failed. Full current statutory-body verification remains held. Quotations in cases do not substitute for opening that full current section.","Primary pinpoint; confidence and hold":"S023, both failed routes. Held."},"coordinator_verification_status":"scoped_record_reconciled_selected_primary_reuse_with_unreopened_application_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_AZ-P06-C082","whole_original_record_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"cited_source_usage_numbers":[23],"explicit_ranges_expanded":[],"selected_source_usage_ids":[],"selected_source_presence_not_entire_claim_validation":true,"all_primary_claim_accepted":false,"all_original_confidence_exceptions_currentness_holds_preserved":true}},{"claim_id":"S_AZ-P06-C083","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P06-C083","Actor / predicate":"Regulation F consumer/debt classification.","Federal result and Arizona boundary":"Consumer is a natural person, living or deceased; debt must arise from a transaction primarily for personal/family/household purposes, including an obligation reduced to judgment. This is narrower than the general Arizona claim definition.","Primary pinpoint; confidence and hold":"S019, §1006.2(e), (h), comment 2(h)-1. H posted text; official-edition limitation."},"coordinator_verification_status":"scoped_record_reconciled_selected_primary_reuse_with_unreopened_application_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_AZ-P06-C083","whole_original_record_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"cited_source_usage_numbers":[19],"explicit_ranges_expanded":[],"selected_source_usage_ids":["S_AZ-P06-S019"],"selected_source_presence_not_entire_claim_validation":true,"all_primary_claim_accepted":false,"all_original_confidence_exceptions_currentness_holds_preserved":true}},{"claim_id":"S_AZ-P06-C084","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P06-C084","Actor / predicate":"Federal collector classification.","Federal result and Arizona boundary":"Principal-purpose collection and regular collection of another’s debt are separate prongs; misleading use of another name by an own-debt creditor is included. Security-interest enforcement is additionally covered for the specified §1006.22(e) purpose.","Primary pinpoint; confidence and hold":"S019, §1006.2(i)(1), comment 2(i)-1. H; full secured regime deferred."},"coordinator_verification_status":"scoped_record_reconciled_selected_primary_reuse_with_unreopened_application_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_AZ-P06-C084","whole_original_record_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"cited_source_usage_numbers":[19],"explicit_ranges_expanded":[],"selected_source_usage_ids":["S_AZ-P06-S019"],"selected_source_presence_not_entire_claim_validation":true,"all_primary_claim_accepted":false,"all_original_confidence_exceptions_currentness_holds_preserved":true}},{"claim_id":"S_AZ-P06-C085","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P06-C085","Actor / predicate":"Federal creditor classification.","Federal result and Arizona boundary":"A creditor includes one extending credit or to whom debt is owed, but excludes receipt of defaulted debt solely to facilitate collection for another. “Creditor” and “debt collector” are not necessarily mutually exclusive categories.","Primary pinpoint; confidence and hold":"S019, §1006.2(g); S021, majority pp. 14–16. H."},"coordinator_verification_status":"scoped_record_reconciled_selected_primary_reuse_with_unreopened_application_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_AZ-P06-C085","whole_original_record_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"cited_source_usage_numbers":[19,21],"explicit_ranges_expanded":[],"selected_source_usage_ids":["S_AZ-P06-S019","S_AZ-P06-S021"],"selected_source_presence_not_entire_claim_validation":true,"all_primary_claim_accepted":false,"all_original_confidence_exceptions_currentness_holds_preserved":true}},{"claim_id":"S_AZ-P06-C086","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P06-C086","Actor / predicate":"Officer/employee collects for creditor in creditor’s name.","Federal result and Arizona boundary":"Regulation F supplies that conditional exclusion. It is not an exclusion for every outsourced vendor.","Primary pinpoint; confidence and hold":"S019, §1006.2(i)(2)(i). H."},"coordinator_verification_status":"scoped_record_reconciled_selected_primary_reuse_with_unreopened_application_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_AZ-P06-C086","whole_original_record_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"cited_source_usage_numbers":[19],"explicit_ranges_expanded":[],"selected_source_usage_ids":["S_AZ-P06-S019"],"selected_source_presence_not_entire_claim_validation":true,"all_primary_claim_accepted":false,"all_original_confidence_exceptions_currentness_holds_preserved":true}},{"claim_id":"S_AZ-P06-C087","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P06-C087","Actor / predicate":"Related-company collector invokes federal affiliate exclusion.","Federal result and Arizona boundary":"It must collect only for related/controlled persons and its principal business must not be debt collection. This differs from Arizona A(14)’s federally insured institution predicate.","Primary pinpoint; confidence and hold":"S019, §1006.2(i)(2)(ii)(A)–(B); S001, §32-1004(A)(14). H."},"coordinator_verification_status":"scoped_record_reconciled_selected_primary_reuse_with_unreopened_application_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_AZ-P06-C087","whole_original_record_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"cited_source_usage_numbers":[1,19],"explicit_ranges_expanded":[],"selected_source_usage_ids":["S_AZ-P06-S001","S_AZ-P06-S019"],"selected_source_presence_not_entire_claim_validation":true,"all_primary_claim_accepted":false,"all_original_confidence_exceptions_currentness_holds_preserved":true}},{"claim_id":"S_AZ-P06-C088","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P06-C088","Actor / predicate":"Government officer/employee collects in official duties.","Federal result and Arizona boundary":"The federal exclusion is limited to that official-duty activity. No broad private government-contractor exclusion is inferred.","Primary pinpoint; confidence and hold":"S019, §1006.2(i)(2)(iii). H."},"coordinator_verification_status":"scoped_record_reconciled_selected_primary_reuse_with_unreopened_application_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_AZ-P06-C088","whole_original_record_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"cited_source_usage_numbers":[19],"explicit_ranges_expanded":[],"selected_source_usage_ids":["S_AZ-P06-S019"],"selected_source_presence_not_entire_claim_validation":true,"all_primary_claim_accepted":false,"all_original_confidence_exceptions_currentness_holds_preserved":true}},{"claim_id":"S_AZ-P06-C089","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P06-C089","Actor / predicate":"Person serves legal process.","Federal result and Arizona boundary":"The exclusion applies while serving/attempting to serve process in judicial enforcement; it does not classify all other collection conduct.","Primary pinpoint; confidence and hold":"S019, §1006.2(i)(2)(iv). H."},"coordinator_verification_status":"scoped_record_reconciled_selected_primary_reuse_with_unreopened_application_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_AZ-P06-C089","whole_original_record_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"cited_source_usage_numbers":[19],"explicit_ranges_expanded":[],"selected_source_usage_ids":["S_AZ-P06-S019"],"selected_source_presence_not_entire_claim_validation":true,"all_primary_claim_accepted":false,"all_original_confidence_exceptions_currentness_holds_preserved":true}},{"claim_id":"S_AZ-P06-C090","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P06-C090","Actor / predicate":"Nonprofit provides bona fide consumer credit counseling at consumers’ request and receives/distributes payments.","Federal result and Arizona boundary":"Regulation F expressly excludes that specified activity. Nonprofit incorporation alone is insufficient, and this federal exclusion does not supply an Arizona Chapter 9 exemption.","Primary pinpoint; confidence and hold":"S019, §1006.2(i)(2)(v); S001, §32-1004. H."},"coordinator_verification_status":"scoped_record_reconciled_selected_primary_reuse_with_unreopened_application_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_AZ-P06-C090","whole_original_record_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"cited_source_usage_numbers":[1,19],"explicit_ranges_expanded":[],"selected_source_usage_ids":["S_AZ-P06-S001","S_AZ-P06-S019"],"selected_source_presence_not_entire_claim_validation":true,"all_primary_claim_accepted":false,"all_original_confidence_exceptions_currentness_holds_preserved":true}},{"claim_id":"S_AZ-P06-C091","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P06-C091","Actor / predicate":"Person collects another’s debt in a listed special relationship.","Federal result and Arizona boundary":"Activity-specific exclusions cover incidental bona fide fiduciary/escrow duties, debt the person originated, debt not in default when obtained, or debt obtained as secured party in the specified commercial-credit transaction.","Primary pinpoint; confidence and hold":"S019, §1006.2(i)(2)(vi)(A)–(D). H; relationship/default facts held."},"coordinator_verification_status":"scoped_record_reconciled_selected_primary_reuse_with_unreopened_application_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_AZ-P06-C091","whole_original_record_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"cited_source_usage_numbers":[19],"explicit_ranges_expanded":[],"selected_source_usage_ids":["S_AZ-P06-S019"],"selected_source_presence_not_entire_claim_validation":true,"all_primary_claim_accepted":false,"all_original_confidence_exceptions_currentness_holds_preserved":true}},{"claim_id":"S_AZ-P06-C092","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P06-C092","Actor / predicate":"Special federal coverage exception is asserted.","Federal result and Arizona boundary":"Private bad-check programs require compliance with FDCPA §818. Section 1006.1(c) also preserves its §5519(a) and state-exemption qualifications. Those linked special regimes were not fully read; no actor is cleared under them.","Primary pinpoint; confidence and hold":"S019, §§1006.2(i)(2)(vii), 1006.1(c), 1006.108. P/Held linked special predicates."},"coordinator_verification_status":"scoped_record_reconciled_selected_primary_reuse_with_unreopened_application_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_AZ-P06-C092","whole_original_record_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"cited_source_usage_numbers":[19],"explicit_ranges_expanded":[],"selected_source_usage_ids":["S_AZ-P06-S019"],"selected_source_presence_not_entire_claim_validation":true,"all_primary_claim_accepted":false,"all_original_confidence_exceptions_currentness_holds_preserved":true}},{"claim_id":"S_AZ-P06-C093","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P06-C093","Published authority actually read":"Henson v. Santander Consumer USA Inc., U.S. Supreme Court, June 12, 2017; unanimous opinion.","Material facts / posture / holding":"Alleged purchaser collected defaulted automobile debts it owned. In reviewing dismissal, the Court held that the “owed … another” regular-collection prong did not cover the purchaser merely because it acquired debts after default. Judgment affirmed.","Scope and currentness limit":"S020, opinion pp. 1–3, 7–8, 11; PDF indices 2–4, 8–9, 12. H holding; no Arizona licensing conclusion."},"coordinator_verification_status":"scoped_record_reconciled_selected_primary_reuse_with_unreopened_application_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_AZ-P06-C093","whole_original_record_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"cited_source_usage_numbers":[20],"explicit_ranges_expanded":[],"selected_source_usage_ids":["S_AZ-P06-S020"],"selected_source_presence_not_entire_claim_validation":true,"all_primary_claim_accepted":false,"all_original_confidence_exceptions_currentness_holds_preserved":true}},{"claim_id":"S_AZ-P06-C094","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P06-C094","Published authority actually read":"Henson, reserved questions.","Material facts / posture / holding":"The Court expressly did not decide the principal-purpose definition or the separate argument concerning regular collection of other persons’ debts.","Scope and currentness limit":"S020, opinion p. 3, PDF index 4. H; no blanket debt-buyer immunity."},"coordinator_verification_status":"scoped_record_reconciled_selected_primary_reuse_with_unreopened_application_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_AZ-P06-C094","whole_original_record_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"cited_source_usage_numbers":[20],"explicit_ranges_expanded":[],"selected_source_usage_ids":["S_AZ-P06-S020"],"selected_source_presence_not_entire_claim_validation":true,"all_primary_claim_accepted":false,"all_original_confidence_exceptions_currentness_holds_preserved":true}},{"claim_id":"S_AZ-P06-C095","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P06-C095","Published authority actually read":"McAdory v. M.N.S. & Associates, LLC / DNF Associates, Ninth Circuit, March 9, 2020, published majority.","Material facts / posture / holding":"Allegations described a business buying defaulted consumer debts and outsourcing collection. The majority held that direct consumer interaction is not required by the principal-purpose prong; the allegations plausibly pleaded collector status. Dismissal reversed and remanded.","Scope and currentness limit":"S021, majority pp. 3–17, especially 10–16; PDF indices 2–16. H pleading-stage holding."},"coordinator_verification_status":"scoped_record_reconciled_selected_primary_reuse_with_unreopened_application_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_AZ-P06-C095","whole_original_record_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"cited_source_usage_numbers":[21],"explicit_ranges_expanded":[],"selected_source_usage_ids":["S_AZ-P06-S021"],"selected_source_presence_not_entire_claim_validation":true,"all_primary_claim_accepted":false,"all_original_confidence_exceptions_currentness_holds_preserved":true}},{"claim_id":"S_AZ-P06-C096","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P06-C096","Published authority actually read":"McAdory, issues left for remand.","Material facts / posture / holding":"Collector classification did not decide all agency/vicarious-liability questions. The majority left the relevant relationship/liability issue for further proceedings.","Scope and currentness limit":"S021, pp. 16–17, PDF indices 15–16. H. Judge Bea dissented; the dissent is not the holding."},"coordinator_verification_status":"scoped_record_reconciled_selected_primary_reuse_with_unreopened_application_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_AZ-P06-C096","whole_original_record_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"cited_source_usage_numbers":[21],"explicit_ranges_expanded":[],"selected_source_usage_ids":["S_AZ-P06-S021"],"selected_source_presence_not_entire_claim_validation":true,"all_primary_claim_accepted":false,"all_original_confidence_exceptions_currentness_holds_preserved":true}},{"claim_id":"S_AZ-P06-C097","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P06-C097","Published authority actually read":"Cruz v. Lusk Collection Agency, Arizona Court of Appeals, June 6, 1978, published majority reproduced by CaseMine.","Material facts / posture / holding":"Consolidated declaratory challenges concerned collection assignments and agency-filed actions through attorneys. On dismissal for failure to state a claim, the court treated a valid assignee as legal owner/real party in interest able to sue in its own name; dismissal affirmed.","Scope and currentness limit":"S018, unpaginated opinion paragraphs discussing a valid assignment and statutory collection-agency framework. H reproduced holding; not an unlicensed debt-buyer exemption."},"coordinator_verification_status":"scoped_record_reconciled_selected_primary_reuse_with_unreopened_application_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_AZ-P06-C097","whole_original_record_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"cited_source_usage_numbers":[18],"explicit_ranges_expanded":[],"selected_source_usage_ids":[],"selected_source_presence_not_entire_claim_validation":true,"all_primary_claim_accepted":false,"all_original_confidence_exceptions_currentness_holds_preserved":true}},{"claim_id":"S_AZ-P06-C098","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P06-C098","Published authority actually read":"Cruz and current lawsuit-related rule.","Material facts / posture / holding":"The arrangement described in Cruz was not treated as unauthorized practice where attorneys handled litigation. Current R1509(E) separately requires the filing attorney to have no personal or financial interest in the collection agency.","Scope and currentness limit":"S018, final analysis and affirmance; S007, R20-4-1509(E). H/P; broader modern legal-practice/entity questions deferred."},"coordinator_verification_status":"scoped_record_reconciled_selected_primary_reuse_with_unreopened_application_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_AZ-P06-C098","whole_original_record_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"cited_source_usage_numbers":[7,18],"explicit_ranges_expanded":[],"selected_source_usage_ids":["S_AZ-P06-S007"],"selected_source_presence_not_entire_claim_validation":true,"all_primary_claim_accepted":false,"all_original_confidence_exceptions_currentness_holds_preserved":true}},{"claim_id":"S_AZ-P06-C099","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P06-C099","Published authority actually read":"Kaiser v. Cascade Capital, Ninth Circuit, March 9, 2021, limited later-treatment read.","Material facts / posture / holding":"Footnote 7 cites McAdory for the proposition that a creditor can also be a collector and notes that collector status was not contested there. It is later published treatment, not a newly adjudicated actor-status finding in that case.","Scope and currentness limit":"S022, p. 9 n.7, PDF index 8. H limited passage; no whole-opinion or citator claim."},"coordinator_verification_status":"scoped_record_reconciled_selected_primary_reuse_with_unreopened_application_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_AZ-P06-C099","whole_original_record_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"cited_source_usage_numbers":[22],"explicit_ranges_expanded":[],"selected_source_usage_ids":[],"selected_source_presence_not_entire_claim_validation":true,"all_primary_claim_accepted":false,"all_original_confidence_exceptions_currentness_holds_preserved":true}},{"claim_id":"S_AZ-P06-C100","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P06-C100","Published authority actually read":"Comparison across the state and federal sources.","Material facts / posture / holding":"State licensing classification, federal collector coverage, debt validity, and legal collectibility are separate inquiries. Neither a federal exclusion nor an Arizona license resolves the others.","Scope and currentness limit":"S001, §§32-1001, 32-1004, 32-1055; S019–S021. I/H reasoned comparison."},"coordinator_verification_status":"scoped_record_reconciled_selected_primary_reuse_with_unreopened_application_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_AZ-P06-C100","whole_original_record_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"cited_source_usage_numbers":[1,19,20,21],"explicit_ranges_expanded":[[19,21]],"selected_source_usage_ids":["S_AZ-P06-S001","S_AZ-P06-S019","S_AZ-P06-S020","S_AZ-P06-S021"],"selected_source_presence_not_entire_claim_validation":true,"all_primary_claim_accepted":false,"all_original_confidence_exceptions_currentness_holds_preserved":true}},{"claim_id":"S_AZ-P06-C101","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P06-C101","Finding":"2021 chapter 356 removed the collection-agency branch application/annual charges and former specified manager-change/move/duplicate charges; it retained the collection-agency $1,500/$600 structure and amended the relevant administrative terminology.","Exact supporting record":"S010, §8 and §§296–305; approved/filed May 10, 2021; S013 general effective date September 29, 2021.","Limitation":"§356’s express retroactivity concerns §41-3451, not a general retroactive collection-agency amendment. H selected chain."},"coordinator_verification_status":"scoped_record_reconciled_selected_primary_reuse_with_unreopened_application_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_AZ-P06-C101","whole_original_record_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"cited_source_usage_numbers":[10,13],"explicit_ranges_expanded":[],"selected_source_usage_ids":[],"selected_source_presence_not_entire_claim_validation":true,"all_primary_claim_accepted":false,"all_original_confidence_exceptions_currentness_holds_preserved":true}},{"claim_id":"S_AZ-P06-C102","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P06-C102","Finding":"2022 chapter 59 removed specified general character language and renumbered §32-1051; current §32-1004(D) retains one obsolete “2 through 7” reference.","Exact supporting record":"S011, §§51–54; approved/filed March 24, 2022; S013 general effective date September 24, 2022.","Limitation":"Does not remove the still-posted citizenship/moral-turpitude provisions or establish constitutional validity. H text/history."},"coordinator_verification_status":"scoped_record_reconciled_selected_primary_reuse_with_unreopened_application_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_AZ-P06-C102","whole_original_record_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"cited_source_usage_numbers":[11,13],"explicit_ranges_expanded":[],"selected_source_usage_ids":[],"selected_source_presence_not_entire_claim_validation":true,"all_primary_claim_accepted":false,"all_original_confidence_exceptions_currentness_holds_preserved":true}},{"claim_id":"S_AZ-P06-C103","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P06-C103","Finding":"2023 chapter 152 changed collection-agency renewal from January 1 to December 31 and added “by operation of law” to suspension.","Exact supporting record":"S012, §12; approved May 19/filed May 22, 2023; S013 general effective date October 30, 2023.","Limitation":"This is the collection-agency amendment; no P02 renewal premise imported. H."},"coordinator_verification_status":"scoped_record_reconciled_selected_primary_reuse_with_unreopened_application_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_AZ-P06-C103","whole_original_record_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"cited_source_usage_numbers":[12,13],"explicit_ranges_expanded":[],"selected_source_usage_ids":["S_AZ-P06-S012"],"selected_source_presence_not_entire_claim_validation":true,"all_primary_claim_accepted":false,"all_original_confidence_exceptions_currentness_holds_preserved":true}},{"claim_id":"S_AZ-P06-C104","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P06-C104","Finding":"The relevant Article 15 final rulemaking was published September 1, 2023, and became effective October 2, 2023.","Exact supporting record":"S008, 29 A.A.R. 1961, preamble item 3; material rule text pp. 1964–1968.","Limitation":"Publication and effective date are distinct. Older emergency/history references were not treated as current rules. H."},"coordinator_verification_status":"scoped_record_reconciled_selected_primary_reuse_with_unreopened_application_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_AZ-P06-C104","whole_original_record_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"cited_source_usage_numbers":[8],"explicit_ranges_expanded":[],"selected_source_usage_ids":[],"selected_source_presence_not_entire_claim_validation":true,"all_primary_claim_accepted":false,"all_original_confidence_exceptions_currentness_holds_preserved":true}},{"claim_id":"S_AZ-P06-C105","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P06-C105","Finding":"The relevant Article 1 final rulemaking was published February 14, 2025, effective April 6, 2025; the current initial collection-agency review row is 60/60/120 days.","Exact supporting record":"S009, 31 A.A.R. 533 item 4; pp. 539–543; S007 current R107/Table A.","Limitation":"Current Code posting and bounded later searches are not an all-2026 rulemaking certificate. H/P."},"coordinator_verification_status":"scoped_record_reconciled_selected_primary_reuse_with_unreopened_application_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_AZ-P06-C105","whole_original_record_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"cited_source_usage_numbers":[7,9],"explicit_ranges_expanded":[],"selected_source_usage_ids":["S_AZ-P06-S007"],"selected_source_presence_not_entire_claim_validation":true,"all_primary_claim_accepted":false,"all_original_confidence_exceptions_currentness_holds_preserved":true}},{"claim_id":"S_AZ-P06-C106","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P06-C106","Finding":"The 2024–2026 regular-session affected-section tables read did not list Chapter 9 collection-agency amendments or a §6-126 amendment in their relevant blocks.","Exact supporting record":"S014–S016, Title 6 blocks and the Title 32 rows surrounding §§32-1001–1057.","Limitation":"Official tables support a bounded currentness screen, not every possible special law, judicial order, or future event. H/P."},"coordinator_verification_status":"scoped_record_reconciled_selected_primary_reuse_with_unreopened_application_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_AZ-P06-C106","whole_original_record_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"cited_source_usage_numbers":[14,15,16],"explicit_ranges_expanded":[[14,16]],"selected_source_usage_ids":[],"selected_source_presence_not_entire_claim_validation":true,"all_primary_claim_accepted":false,"all_original_confidence_exceptions_currentness_holds_preserved":true}},{"claim_id":"S_AZ-P06-C107","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P06-C107","Finding":"Current application/renewal operational contents were not established.","Exact supporting record":"S025–S026, S029–S035: 403/inaccessible bodies, empty compiler pages, or generic redirects.","Limitation":"Statutory/rule requirements are answerable; current MU forms, attachments, invoice handling, and exact portal workflow remain held."},"coordinator_verification_status":"scoped_record_reconciled_selected_primary_reuse_with_unreopened_application_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_AZ-P06-C107","whole_original_record_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"cited_source_usage_numbers":[25,26,29,30,31,32,33,34,35],"explicit_ranges_expanded":[[25,26],[29,35]],"selected_source_usage_ids":[],"selected_source_presence_not_entire_claim_validation":true,"all_primary_claim_accepted":false,"all_original_confidence_exceptions_currentness_holds_preserved":true}},{"claim_id":"S_AZ-P06-C108","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P06-C108","Finding":"A working live public lookup workflow was not verified.","Exact supporting record":"S027 DIFI route returned 403; S028 NMLS Consumer Access returned 404 through this tool.","Limitation":"This does not establish general service unavailability. No named entity was queried or cleared. Held."},"coordinator_verification_status":"scoped_record_reconciled_selected_primary_reuse_with_unreopened_application_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_AZ-P06-C108","whole_original_record_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"cited_source_usage_numbers":[27,28],"explicit_ranges_expanded":[],"selected_source_usage_ids":[],"selected_source_presence_not_entire_claim_validation":true,"all_primary_claim_accepted":false,"all_original_confidence_exceptions_currentness_holds_preserved":true}},{"claim_id":"S_AZ-P06-C109","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P06-C109","Finding":"Current L-CAR/reporting and prescribed bond-form details were not read.","Exact supporting record":"S034 form route failed; S035 library alternate failed; S033 company checklist redirected.","Limitation":"Reporting year, start-up treatment, cents rounding, current bond wording, and extra required security conditions remain held."},"coordinator_verification_status":"scoped_record_reconciled_selected_primary_reuse_with_unreopened_application_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_AZ-P06-C109","whole_original_record_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"cited_source_usage_numbers":[33,34,35],"explicit_ranges_expanded":[],"selected_source_usage_ids":[],"selected_source_presence_not_entire_claim_validation":true,"all_primary_claim_accepted":false,"all_original_confidence_exceptions_currentness_holds_preserved":true}},{"claim_id":"S_AZ-P06-C110","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P06-C110","Finding":"The official judicial administrative inventory lists fifteen Arizona counties.","Exact supporting record":"S024, “Arizona Superior Courts’ Contact Information” body.","Limitation":"Inventory only; no county rule, municipal permit, court calendar, or local practice was validated. H inventory only."},"coordinator_verification_status":"scoped_record_reconciled_selected_primary_reuse_with_unreopened_application_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_AZ-P06-C110","whole_original_record_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"cited_source_usage_numbers":[24],"explicit_ranges_expanded":[],"selected_source_usage_ids":[],"selected_source_presence_not_entire_claim_validation":true,"all_primary_claim_accepted":false,"all_original_confidence_exceptions_currentness_holds_preserved":true}}],"sources":[{"source_id":"S_AZ-P06-S001 — Arizona Legislature, A.R.S. Title 32, Chapter 9 and military-renewal cross-reference","urls":["https://www.azleg.gov/arsDetail/?title=32","https://www.azleg.gov/ars/32/01001.htm","https://www.azleg.gov/ars/32/01004.htm","https://www.azleg.gov/ars/32/01021.htm","https://www.azleg.gov/ars/32/01022.htm","https://www.azleg.gov/ars/32/01023.htm","https://www.azleg.gov/ars/32/01024.htm","https://www.azleg.gov/ars/32/01025.htm","https://www.azleg.gov/ars/32/01026.htm","https://www.azleg.gov/ars/32/01027.htm","https://www.azleg.gov/ars/32/01028.htm","https://www.azleg.gov/ars/32/01051.htm","https://www.azleg.gov/ars/32/01053.htm","https://www.azleg.gov/ars/32/01055.htm","https://www.azleg.gov/ars/32/01056.htm","https://www.azleg.gov/ars/32/01057.htm","https://www.azleg.gov/ars/32/04301.htm","https://www.azleg.gov/arsDetail/?title=32&utm_source=chatgpt.com","https://www.azleg.gov/ars/32/01001.htm?utm_source=chatgpt.com","https://www.azleg.gov/ars/32/01004.htm?utm_source=chatgpt.com","https://www.azleg.gov/ars/32/01021.htm?utm_source=chatgpt.com","https://www.azleg.gov/ars/32/01022.htm?utm_source=chatgpt.com","https://www.azleg.gov/ars/32/01023.htm?utm_source=chatgpt.com","https://www.azleg.gov/ars/32/01024.htm?utm_source=chatgpt.com","https://www.azleg.gov/ars/32/01025.htm?utm_source=chatgpt.com","https://www.azleg.gov/ars/32/01026.htm?utm_source=chatgpt.com","https://www.azleg.gov/ars/32/01027.htm?utm_source=chatgpt.com","https://www.azleg.gov/ars/32/01028.htm?utm_source=chatgpt.com","https://www.azleg.gov/ars/32/01051.htm?utm_source=chatgpt.com","https://www.azleg.gov/ars/32/01053.htm?utm_source=chatgpt.com","https://www.azleg.gov/ars/32/01055.htm?utm_source=chatgpt.com","https://www.azleg.gov/ars/32/01056.htm?utm_source=chatgpt.com","https://www.azleg.gov/ars/32/01057.htm?utm_source=chatgpt.com","https://www.azleg.gov/ars/32/04301.htm?utm_source=chatgpt.com"],"researcher_record":{"Source ID / issuer-document":"S_AZ-P06-S001 — Arizona Legislature, A.R.S. Title 32, Chapter 9 and military-renewal cross-reference","Direct literal HTTPS URLs":"https://www.azleg.gov/arsDetail/?title=32\nhttps://www.azleg.gov/ars/32/01001.htm\nhttps://www.azleg.gov/ars/32/01004.htm\nhttps://www.azleg.gov/ars/32/01021.htm\nhttps://www.azleg.gov/ars/32/01022.htm\nhttps://www.azleg.gov/ars/32/01023.htm\nhttps://www.azleg.gov/ars/32/01024.htm\nhttps://www.azleg.gov/ars/32/01025.htm\nhttps://www.azleg.gov/ars/32/01026.htm\nhttps://www.azleg.gov/ars/32/01027.htm\nhttps://www.azleg.gov/ars/32/01028.htm\nhttps://www.azleg.gov/ars/32/01051.htm\nhttps://www.azleg.gov/ars/32/01053.htm\nhttps://www.azleg.gov/ars/32/01055.htm\nhttps://www.azleg.gov/ars/32/01056.htm\nhttps://www.azleg.gov/ars/32/01057.htm\nhttps://www.azleg.gov/ars/32/04301.htm","Material body read / precise scope":"Full operative listed section bodies: definitions, all exemptions, application/security, qualifications, reciprocity, renewal, issuance/control, provisional licenses, fees cross-reference, retained duties, discipline, unlawful acts/penalties, and §32-4301(A)–(F). Wrapper/index distinguished from operative bodies."},"coordinator_verification_status":"selected_primary_passages_with_holds","coordinator_canonical_source_id":"S_AZ-P06-S001","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"source_id":"S_AZ-P06-S001","stored_source_id_unchanged":"S_AZ-P06-S001 — Arizona Legislature, A.R.S. Title 32, Chapter 9 and military-renewal cross-reference","all_original_cells_read":true,"researcher_record_unchanged":true,"fresh_actual_read_map_entries":[{"chunk":0,"URL":"https://www.azleg.gov/ars/32/01001.htm","packet_character_bounds":[0,2267],"PDF_page_tags":[],"source_id":"S_AZ-P06-S001","packet":"[internal evidence reference]","all_returned_numbered_ranges":[[0,24]],"actual_numbered_lines_read":[[0,24]],"location_or_metadata_only_when_empty":false,"whole_unnumbered_error_read":false,"PDFpixels":false},{"chunk":1,"URL":"https://www.azleg.gov/ars/32/01004.htm","packet_character_bounds":[2347,7026],"PDF_page_tags":[],"source_id":"S_AZ-P06-S001","packet":"[internal evidence reference]","all_returned_numbered_ranges":[[0,57]],"actual_numbered_lines_read":[[0,57]],"location_or_metadata_only_when_empty":false,"whole_unnumbered_error_read":false,"PDFpixels":false},{"chunk":2,"URL":"https://www.azleg.gov/ars/32/01021.htm","packet_character_bounds":[7106,9360],"PDF_page_tags":[],"source_id":"S_AZ-P06-S001","packet":"[internal evidence reference]","all_returned_numbered_ranges":[[0,25]],"actual_numbered_lines_read":[[0,25]],"location_or_metadata_only_when_empty":false,"whole_unnumbered_error_read":false,"PDFpixels":false},{"chunk":3,"URL":"https://www.azleg.gov/ars/32/01022.htm","packet_character_bounds":[9440,14690],"PDF_page_tags":[],"source_id":"S_AZ-P06-S001","packet":"[internal evidence reference]","all_returned_numbered_ranges":[[0,23]],"actual_numbered_lines_read":[[0,23]],"location_or_metadata_only_when_empty":false,"whole_unnumbered_error_read":false,"PDFpixels":false},{"chunk":1,"URL":"https://www.azleg.gov/ars/32/01025.htm","packet_character_bounds":[6935,8549],"PDF_page_tags":[],"source_id":"S_AZ-P06-S001","packet":"[internal evidence reference]","all_returned_numbered_ranges":[[0,4]],"actual_numbered_lines_read":[[0,4]],"location_or_metadata_only_when_empty":false,"whole_unnumbered_error_read":false,"PDFpixels":false},{"chunk":2,"URL":"https://www.azleg.gov/ars/32/01055.htm","packet_character_bounds":[8629,11133],"PDF_page_tags":[],"source_id":"S_AZ-P06-S001","packet":"[internal evidence reference]","all_returned_numbered_ranges":[[0,13]],"actual_numbered_lines_read":[[0,13]],"location_or_metadata_only_when_empty":false,"whole_unnumbered_error_read":false,"PDFpixels":false}],"fresh_failed_operations":[],"dated_reuse":[],"status":"Selected literal primary passages checked, source/currentness/application holds","all_primary_source_accepted":false,"original_failure_secondary_version_currentness_and_application_limits_retained":true}},{"source_id":"S_AZ-P06-S002 — Arizona Legislature, A.R.S. Title 6, regulatory/fee/cross-exemption provisions","urls":["https://www.azleg.gov/ars/6/00101.htm","https://www.azleg.gov/ars/6/00110.htm","https://www.azleg.gov/ars/6/00123.htm","https://www.azleg.gov/ars/6/00123-01.htm","https://www.azleg.gov/ars/6/00125.htm","https://www.azleg.gov/ars/6/00126.htm","https://www.azleg.gov/ars/6/00132.htm","https://www.azleg.gov/ars/6/00136.htm","https://www.azleg.gov/ars/6/00137.htm","https://www.azleg.gov/ars/6/00710.htm","https://www.azleg.gov/ars/6/01401.htm","https://www.azleg.gov/ars/06/00126.htm","https://www.azleg.gov/ars/6/00101.htm?utm_source=chatgpt.com","https://www.azleg.gov/ars/6/00110.htm?utm_source=chatgpt.com","https://www.azleg.gov/ars/6/00123.htm?utm_source=chatgpt.com","https://www.azleg.gov/ars/6/00123-01.htm?utm_source=chatgpt.com","https://www.azleg.gov/ars/6/00125.htm?utm_source=chatgpt.com","https://www.azleg.gov/ars/6/00126.htm?utm_source=chatgpt.com","https://www.azleg.gov/ars/6/00132.htm?utm_source=chatgpt.com","https://www.azleg.gov/ars/6/00136.htm?utm_source=chatgpt.com","https://www.azleg.gov/ars/6/00137.htm?utm_source=chatgpt.com","https://www.azleg.gov/ars/6/00710.htm?utm_source=chatgpt.com","https://www.azleg.gov/ars/6/01401.htm?utm_source=chatgpt.com"],"researcher_record":{"Source ID / issuer-document":"S_AZ-P06-S002 — Arizona Legislature, A.R.S. Title 6, regulatory/fee/cross-exemption provisions","Direct literal HTTPS URLs":"https://www.azleg.gov/ars/6/00101.htm\nhttps://www.azleg.gov/ars/6/00110.htm\nhttps://www.azleg.gov/ars/6/00123.htm\nhttps://www.azleg.gov/ars/6/00123-01.htm\nhttps://www.azleg.gov/ars/6/00125.htm\nhttps://www.azleg.gov/ars/6/00126.htm\nhttps://www.azleg.gov/ars/6/00132.htm\nhttps://www.azleg.gov/ars/6/00136.htm\nhttps://www.azleg.gov/ars/6/00137.htm\nhttps://www.azleg.gov/ars/6/00710.htm\nhttps://www.azleg.gov/ars/6/01401.htm","Material body read / precise scope":"Listed bodies read. Material reliance: regulator/enterprise definitions; §6-123(8); fingerprint authority; §6-125(B)(4), (C), (D); §6-126(A)(15), (16)–(17), (22), (B), (D)(3); retained enforcement cross-references; only §6-710(3)–(4) for the necessary cross-exemption boundary; premium-finance definition. The first attempted fee URL, https://www.azleg.gov/ars/06/00126.htm, failed; the correct /6/ route succeeded."},"coordinator_verification_status":"selected_primary_passages_with_holds","coordinator_canonical_source_id":"S_AZ-P06-S002","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"source_id":"S_AZ-P06-S002","stored_source_id_unchanged":"S_AZ-P06-S002 — Arizona Legislature, A.R.S. Title 6, regulatory/fee/cross-exemption provisions","all_original_cells_read":true,"researcher_record_unchanged":true,"fresh_actual_read_map_entries":[{"chunk":0,"URL":"https://www.azleg.gov/ars/6/00126.htm","packet_character_bounds":[0,6855],"PDF_page_tags":[],"source_id":"S_AZ-P06-S002","packet":"[internal evidence reference]","all_returned_numbered_ranges":[[0,87]],"actual_numbered_lines_read":[[0,87]],"location_or_metadata_only_when_empty":false,"whole_unnumbered_error_read":false,"PDFpixels":false},{"chunk":0,"URL":"https://www.azleg.gov/ars/6/00126.htm","packet_character_bounds":[0,782],"PDF_page_tags":[],"source_id":"S_AZ-P06-S002","packet":"[internal evidence reference]","all_returned_numbered_ranges":[[79,87]],"actual_numbered_lines_read":[],"location_or_metadata_only_when_empty":true,"whole_unnumbered_error_read":false,"PDFpixels":false}],"fresh_failed_operations":[],"dated_reuse":[],"status":"Selected literal primary passages checked, source/currentness/application holds","all_primary_source_accepted":false,"original_failure_secondary_version_currentness_and_application_limits_retained":true}},{"source_id":"S_AZ-P06-S003 — Arizona Legislature, A.R.S. Title 20","urls":["https://www.azleg.gov/ars/20/00102.htm","https://www.azleg.gov/ars/20/00485.htm","https://www.azleg.gov/ars/20/00485-09.htm","https://www.azleg.gov/ars/20/00102.htm?utm_source=chatgpt.com","https://www.azleg.gov/ars/20/00485.htm?utm_source=chatgpt.com","https://www.azleg.gov/ars/20/00485-09.htm?utm_source=chatgpt.com"],"researcher_record":{"Source ID / issuer-document":"S_AZ-P06-S003 — Arizona Legislature, A.R.S. Title 20","Direct literal HTTPS URLs":"https://www.azleg.gov/ars/20/00102.htm\nhttps://www.azleg.gov/ars/20/00485.htm\nhttps://www.azleg.gov/ars/20/00485-09.htm","Material body read / precise scope":"Full listed bodies read. Material: DIFI Director framework; §20-485 administrator/charges/insurer definitions and exclusions; §20-485.09(B), including the inactive-account restriction. Full insurance licensing dossier not undertaken."},"coordinator_verification_status":"record_reconciled_unreopened_source_holds","coordinator_canonical_source_id":"S_AZ-P06-S003","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"source_id":"S_AZ-P06-S003","stored_source_id_unchanged":"S_AZ-P06-S003 — Arizona Legislature, A.R.S. Title 20","all_original_cells_read":true,"researcher_record_unchanged":true,"fresh_actual_read_map_entries":[],"fresh_failed_operations":[],"dated_reuse":[],"status":"Saved record reconciled, underlying source not reopened","all_primary_source_accepted":false,"original_failure_secondary_version_currentness_and_application_limits_retained":true}},{"source_id":"S_AZ-P06-S004 — Arizona Legislature, A.R.S. Title 41 licensing/administrative provisions","urls":["https://www.azleg.gov/ars/41/01001.htm","https://www.azleg.gov/ars/41/01072.htm","https://www.azleg.gov/ars/41/01073.htm","https://www.azleg.gov/ars/41/01075.htm","https://www.azleg.gov/ars/41/01076.htm","https://www.azleg.gov/ars/41/01077.htm","https://www.azleg.gov/ars/41/01092-02.htm","https://www.azleg.gov/ars/41/01092-03.htm","https://www.azleg.gov/ars/41/01092-11.htm","https://www.azleg.gov/ars/41/01001.htm?utm_source=chatgpt.com","https://www.azleg.gov/ars/41/01072.htm?utm_source=chatgpt.com","https://www.azleg.gov/ars/41/01073.htm?utm_source=chatgpt.com","https://www.azleg.gov/ars/41/01075.htm?utm_source=chatgpt.com","https://www.azleg.gov/ars/41/01076.htm?utm_source=chatgpt.com","https://www.azleg.gov/ars/41/01077.htm?utm_source=chatgpt.com","https://www.azleg.gov/ars/41/01092-02.htm?utm_source=chatgpt.com","https://www.azleg.gov/ars/41/01092-03.htm?utm_source=chatgpt.com","https://www.azleg.gov/ars/41/01092-11.htm?utm_source=chatgpt.com"],"researcher_record":{"Source ID / issuer-document":"S_AZ-P06-S004 — Arizona Legislature, A.R.S. Title 41 licensing/administrative provisions","Direct literal HTTPS URLs":"https://www.azleg.gov/ars/41/01001.htm\nhttps://www.azleg.gov/ars/41/01072.htm\nhttps://www.azleg.gov/ars/41/01073.htm\nhttps://www.azleg.gov/ars/41/01075.htm\nhttps://www.azleg.gov/ars/41/01076.htm\nhttps://www.azleg.gov/ars/41/01077.htm\nhttps://www.azleg.gov/ars/41/01092-02.htm\nhttps://www.azleg.gov/ars/41/01092-03.htm\nhttps://www.azleg.gov/ars/41/01092-11.htm","Material body read / precise scope":"Listed bodies read. Material: §41-1001 licensing and advisory-policy definitions; timeframe definitions, extensions, decisions/refunds; applicability; §41-1092.03(B) hearing-request cross-reference; §41-1092.11 timely renewal and hearing provisions. Complete administrative adjudication/appeal dossier remains open."},"coordinator_verification_status":"selected_primary_passages_with_holds","coordinator_canonical_source_id":"S_AZ-P06-S004","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"source_id":"S_AZ-P06-S004","stored_source_id_unchanged":"S_AZ-P06-S004 — Arizona Legislature, A.R.S. Title 41 licensing/administrative provisions","all_original_cells_read":true,"researcher_record_unchanged":true,"fresh_actual_read_map_entries":[{"chunk":2,"URL":"https://www.azleg.gov/ars/41/01092-11.htm","packet_character_bounds":[15183,16572],"PDF_page_tags":[],"source_id":"S_AZ-P06-S004","packet":"[internal evidence reference]","all_returned_numbered_ranges":[[0,3]],"actual_numbered_lines_read":[[0,3]],"location_or_metadata_only_when_empty":false,"whole_unnumbered_error_read":false,"PDFpixels":false}],"fresh_failed_operations":[],"dated_reuse":[],"status":"Selected literal primary passages checked, source/currentness/application holds","all_primary_source_accepted":false,"original_failure_secondary_version_currentness_and_application_limits_retained":true}},{"source_id":"S_AZ-P06-S005 — Arizona Legislature, A.R.S. §12-543","urls":["https://www.azleg.gov/ars/12/00543.htm","https://www.azleg.gov/ars/12/00543.htm?utm_source=chatgpt.com"],"researcher_record":{"Source ID / issuer-document":"S_AZ-P06-S005 — Arizona Legislature, A.R.S. §12-543","Direct literal HTTPS URLs":"https://www.azleg.gov/ars/12/00543.htm","Material body read / precise scope":"Full section read; reliance confined to paragraph 3, because §32-1022(G) expressly incorporates its fraud/mistake discovery treatment. No P05 rerun or actual limitation calculation."},"coordinator_verification_status":"record_reconciled_unreopened_source_holds","coordinator_canonical_source_id":"S_AZ-P06-S005","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"source_id":"S_AZ-P06-S005","stored_source_id_unchanged":"S_AZ-P06-S005 — Arizona Legislature, A.R.S. §12-543","all_original_cells_read":true,"researcher_record_unchanged":true,"fresh_actual_read_map_entries":[],"fresh_failed_operations":[],"dated_reuse":[],"status":"Saved record reconciled, underlying source not reopened","all_primary_source_accepted":false,"original_failure_secondary_version_currentness_and_application_limits_retained":true}},{"source_id":"S_AZ-P06-S006 — Arizona Legislature, A.R.S. §47-1201","urls":["https://www.azleg.gov/ars/47/01201.htm","https://www.azleg.gov/ars/47/01201.htm?utm_source=chatgpt.com"],"researcher_record":{"Source ID / issuer-document":"S_AZ-P06-S006 — Arizona Legislature, A.R.S. §47-1201","Direct literal HTTPS URLs":"https://www.azleg.gov/ars/47/01201.htm","Material body read / precise scope":"Body read; material reliance confined to (B)(23), “insolvent,” as incorporated by §32-1053(A)(1). No imported UCC consumer-purpose limitation. Federal bankruptcy-insolvency application not completed."},"coordinator_verification_status":"record_reconciled_unreopened_source_holds","coordinator_canonical_source_id":"S_AZ-P06-S006","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"source_id":"S_AZ-P06-S006","stored_source_id_unchanged":"S_AZ-P06-S006 — Arizona Legislature, A.R.S. §47-1201","all_original_cells_read":true,"researcher_record_unchanged":true,"fresh_actual_read_map_entries":[],"fresh_failed_operations":[],"dated_reuse":[],"status":"Saved record reconciled, underlying source not reopened","all_primary_source_accepted":false,"original_failure_secondary_version_currentness_and_application_limits_retained":true}},{"source_id":"S_AZ-P06-S007","urls":["https://apps.azsos.gov/public_services/Title_20/20-04.pdf","https://apps.azsos.gov/public_services/Title_20/20-04.pdf?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_AZ-P06-S007","Issuer / title / direct literal URL":"Arizona Secretary of State / DIFI, 20 A.A.C. 4, Supplement 25-4. https://apps.azsos.gov/public_services/Title_20/20-04.pdf","Version, effect, actual read scope, and limitations":"Fresh operative text: R101–102, R104–105, R107 and Table A; R1405; R1501–1509 and R1515–1521, with relevant histories. Pinpoints: R102 printed pp. 5–7/PDF 6–8; R105 pp. 7–8/PDF 8–9; R107/Table A pp. 9–10/PDF 10–11; R1405 p. 37/PDF 38; R1501–1502 pp. 38–39/PDF 39–40; R1503–1505 pp. 39–40/PDF 40–41; R1506–1509 p. 40/PDF 41; R1515–1519 p. 42/PDF 43; R1520–1521 pp. 42–43/PDF 43–44. Current posted compilation, not an all-later-rulemaking certificate. No claim of visual inspection."},"coordinator_verification_status":"selected_body_with_later_access_failure_holds","coordinator_canonical_source_id":"S_AZ-P06-S007","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"source_id":"S_AZ-P06-S007","stored_source_id_unchanged":"S_AZ-P06-S007","all_original_cells_read":true,"researcher_record_unchanged":true,"fresh_actual_read_map_entries":[{"chunk":3,"URL":"https://apps.azsos.gov/public_services/Title_20/20-04.pdf","packet_character_bounds":[11213,29824],"PDF_page_tags":["P0","P0-1","P1","P1-2","P2","P2-3","P3"],"source_id":"S_AZ-P06-S007","packet":"[internal evidence 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Fresh preamble and material Article 15 text, including applications, changes, names, counsel, and security-related record/receipt provisions. Printed pp. 1961–1968/PDF 46–53. Other notices in the same issue are not treated as this rulemaking."},"coordinator_verification_status":"record_reconciled_unreopened_source_holds","coordinator_canonical_source_id":"S_AZ-P06-S008","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"source_id":"S_AZ-P06-S008","stored_source_id_unchanged":"S_AZ-P06-S008","all_original_cells_read":true,"researcher_record_unchanged":true,"fresh_actual_read_map_entries":[],"fresh_failed_operations":[],"dated_reuse":[],"status":"Saved record reconciled, underlying source not reopened","all_primary_source_accepted":false,"original_failure_secondary_version_currentness_and_application_limits_retained":true}},{"source_id":"S_AZ-P06-S009","urls":["https://apps.azsos.gov/public_services/register/2025/7/contents.pdf","https://apps.azsos.gov/public_services/register/2025/7/contents.pdf?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_AZ-P06-S009","Issuer / title / direct literal URL":"DIFI/SOS, 2025 final rulemaking R25-15, 31 A.A.R. 533–543. https://apps.azsos.gov/public_services/register/2025/7/contents.pdf","Version, effect, actual read scope, and limitations":"Published Feb. 14, 2025; item 4 effective Apr. 6, 2025. Fresh material preamble; remote-work definition p. 539/PDF 34; full R105 pp. 540–541/PDF 35–36; R107 pp. 541–542/PDF 36–37; collection-agency Table A row p. 543/PDF 38. Redline extraction checked against clean Code text."},"coordinator_verification_status":"record_reconciled_unreopened_source_holds","coordinator_canonical_source_id":"S_AZ-P06-S009","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"source_id":"S_AZ-P06-S009","stored_source_id_unchanged":"S_AZ-P06-S009","all_original_cells_read":true,"researcher_record_unchanged":true,"fresh_actual_read_map_entries":[],"fresh_failed_operations":[],"dated_reuse":[],"status":"Saved record reconciled, underlying source not reopened","all_primary_source_accepted":false,"original_failure_secondary_version_currentness_and_application_limits_retained":true}},{"source_id":"S_AZ-P06-S010","urls":["https://www.azleg.gov/legtext/55leg/1r/laws/0356.htm","https://www.azleg.gov/legtext/55leg/1r/laws/0356.htm?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_AZ-P06-S010","Issuer / title / direct literal URL":"Arizona Legislature, Laws 2021, ch. 356, SB1463. https://www.azleg.gov/legtext/55leg/1r/laws/0356.htm","Version, effect, actual read scope, and limitations":"Fresh §8 fee amendment; §§296–305 collection-agency changes; §356 retroactivity and approval/filed notations. Approved/filed May 10, 2021. Relevant general-effective date Sept. 29, 2021, S013. The express retroactivity clause applies to another identified provision, not all collection-agency changes."},"coordinator_verification_status":"record_reconciled_unreopened_source_holds","coordinator_canonical_source_id":"S_AZ-P06-S010","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"source_id":"S_AZ-P06-S010","stored_source_id_unchanged":"S_AZ-P06-S010","all_original_cells_read":true,"researcher_record_unchanged":true,"fresh_actual_read_map_entries":[],"fresh_failed_operations":[],"dated_reuse":[],"status":"Saved record reconciled, underlying source not reopened","all_primary_source_accepted":false,"original_failure_secondary_version_currentness_and_application_limits_retained":true}},{"source_id":"S_AZ-P06-S011","urls":["https://www.azleg.gov/legtext/55leg/2r/laws/0059.htm","https://www.azleg.gov/legtext/55leg/2r/laws/0059.htm?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_AZ-P06-S011","Issuer / title / direct literal URL":"Arizona Legislature, Laws 2022, ch. 59, HB2612. https://www.azleg.gov/legtext/55leg/2r/laws/0059.htm","Version, effect, actual read scope, and limitations":"Fresh §§51–54, plus end/approval record. Approved/filed March 24, 2022; general-effective date Sept. 24, 2022, S013. Selected Chapter 9 changes read; no claim to have analyzed every profession amended by the act."},"coordinator_verification_status":"record_reconciled_unreopened_source_holds","coordinator_canonical_source_id":"S_AZ-P06-S011","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"source_id":"S_AZ-P06-S011","stored_source_id_unchanged":"S_AZ-P06-S011","all_original_cells_read":true,"researcher_record_unchanged":true,"fresh_actual_read_map_entries":[],"fresh_failed_operations":[],"dated_reuse":[],"status":"Saved record reconciled, underlying source not reopened","all_primary_source_accepted":false,"original_failure_secondary_version_currentness_and_application_limits_retained":true}},{"source_id":"S_AZ-P06-S012","urls":["https://www.azleg.gov/legtext/56leg/1R/laws/0152.htm","https://www.azleg.gov/legtext/56leg/1R/laws/0152.htm?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_AZ-P06-S012","Issuer / title / direct literal URL":"Arizona Legislature, Laws 2023, ch. 152, HB2010. https://www.azleg.gov/legtext/56leg/1R/laws/0152.htm","Version, effect, actual read scope, and limitations":"Fresh §1 NMLS authority, §12 collection-agency renewal, and approval/filed/end provisions. Approved May 19, filed May 22, 2023; general-effective date Oct. 30, 2023, S013."},"coordinator_verification_status":"selected_primary_passages_with_holds","coordinator_canonical_source_id":"S_AZ-P06-S012","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"source_id":"S_AZ-P06-S012","stored_source_id_unchanged":"S_AZ-P06-S012","all_original_cells_read":true,"researcher_record_unchanged":true,"fresh_actual_read_map_entries":[{"chunk":1,"URL":"https://www.azleg.gov/legtext/56leg/1R/laws/0152.htm","packet_character_bounds":[330,37695],"PDF_page_tags":[],"source_id":"S_AZ-P06-S012","packet":"[internal evidence reference]","all_returned_numbered_ranges":[[0,128],[150,272]],"actual_numbered_lines_read":[[232,238]],"location_or_metadata_only_when_empty":false,"whole_unnumbered_error_read":false,"PDFpixels":false}],"fresh_failed_operations":[],"dated_reuse":[],"status":"Selected literal primary passages checked, source/currentness/application holds","all_primary_source_accepted":false,"original_failure_secondary_version_currentness_and_application_limits_retained":true}},{"source_id":"S_AZ-P06-S013","urls":["https://www.azleg.gov/general-effective-dates/","https://www.azleg.gov/general-effective-dates/?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_AZ-P06-S013","Issuer / title / direct literal URL":"Arizona Legislature, General Effective Dates. https://www.azleg.gov/general-effective-dates/","Version, effect, actual read scope, and limitations":"Fresh table rows for 2021–2026. Supports the session dates, not an inference that every act lacks special effective provisions."},"coordinator_verification_status":"record_reconciled_unreopened_source_holds","coordinator_canonical_source_id":"S_AZ-P06-S013","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"source_id":"S_AZ-P06-S013","stored_source_id_unchanged":"S_AZ-P06-S013","all_original_cells_read":true,"researcher_record_unchanged":true,"fresh_actual_read_map_entries":[],"fresh_failed_operations":[],"dated_reuse":[],"status":"Saved record reconciled, underlying source not reopened","all_primary_source_accepted":false,"original_failure_secondary_version_currentness_and_application_limits_retained":true}},{"source_id":"S_AZ-P06-S014","urls":["https://www.azleg.gov/alisPDFs/council/TOSA_56th_2nd_Regular.pdf","https://www.azleg.gov/alisPDFs/council/TOSA_56th_2nd_Regular.pdf?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_AZ-P06-S014","Issuer / title / direct literal URL":"Arizona Legislative Council, 2024 Table of Sections Affected. https://www.azleg.gov/alisPDFs/council/TOSA_56th_2nd_Regular.pdf","Version, effect, actual read scope, and limitations":"Dated July 12, 2024, chapters 1–259. Fresh relevant Title 6 block, printed p. 2/PDF 1; Title 32 rows including the §32-906 to §32-1107 interval, p. 10/PDF 9, and adjoining relevant blocks. Official affected-section table, not operative enactment text."},"coordinator_verification_status":"record_reconciled_unreopened_source_holds","coordinator_canonical_source_id":"S_AZ-P06-S014","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"source_id":"S_AZ-P06-S014","stored_source_id_unchanged":"S_AZ-P06-S014","all_original_cells_read":true,"researcher_record_unchanged":true,"fresh_actual_read_map_entries":[],"fresh_failed_operations":[],"dated_reuse":[],"status":"Saved record reconciled, underlying source not reopened","all_primary_source_accepted":false,"original_failure_secondary_version_currentness_and_application_limits_retained":true}},{"source_id":"S_AZ-P06-S015","urls":["https://www.azleg.gov/alisPDFs/council/TOSA_57th_1st_Regular.pdf","https://www.azleg.gov/alisPDFs/council/TOSA_57th_1st_Regular.pdf?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_AZ-P06-S015","Issuer / title / direct literal URL":"Arizona Legislative Council, 2025 Table of Sections Affected. https://www.azleg.gov/alisPDFs/council/TOSA_57th_1st_Regular.pdf","Version, effect, actual read scope, and limitations":"Dated July 18, 2025, chapters 1–265. Fresh Title 6 block pp. 1–2/PDF 0–1 and Title 32 block p. 10/PDF 9. 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Fresh Title 6 block p. 2/PDF 1 and Title 32 blocks pp. 10–12/PDF 9–11, including the gap around Chapter 9. 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Notice says bulletin issued Sept. 18, 2020, effective Sept. 28, 2020; notice published Oct. 23, 2020. Official published summary of branch policy, not the full bulletin and not a rule. Advisory-policy status supported by §41-1001(24). Current withdrawal/supersession status not fully verified."},"coordinator_verification_status":"selected_primary_passages_with_holds","coordinator_canonical_source_id":"S_AZ-P06-S017","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"source_id":"S_AZ-P06-S017","stored_source_id_unchanged":"S_AZ-P06-S017","all_original_cells_read":true,"researcher_record_unchanged":true,"fresh_actual_read_map_entries":[{"chunk":3,"URL":"https://apps.azsos.gov/public_services/register/2020/43/contents.pdf","packet_character_bounds":[16652,27689],"PDF_page_tags":["P38","P38-39","P39","P39-40","P40"],"source_id":"S_AZ-P06-S017","packet":"[internal evidence reference]","all_returned_numbered_ranges":[[2339,2460]],"actual_numbered_lines_read":[[2385,2415]],"location_or_metadata_only_when_empty":false,"whole_unnumbered_error_read":false,"PDFpixels":false}],"fresh_failed_operations":[],"dated_reuse":[],"status":"Selected literal primary passages checked, source/currentness/application holds","all_primary_source_accepted":false,"original_failure_secondary_version_currentness_and_application_limits_retained":true}},{"source_id":"S_AZ-P06-S018","urls":["https://www.casemine.com/judgement/us/5914c57badd7b049347d4712","https://law.justia.com/cases/arizona/court-of-appeals/1978/119-ariz-356.html","https://www.casemine.com/judgement/us/5914c57badd7b049347d4712?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_AZ-P06-S018","Issuer / title / direct literal URL":"Arizona Court of Appeals, Cruz v. 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Hosting/authentication and later-treatment limits disclosed."},"coordinator_verification_status":"record_reconciled_unreopened_source_holds","coordinator_canonical_source_id":"S_AZ-P06-S018","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"source_id":"S_AZ-P06-S018","stored_source_id_unchanged":"S_AZ-P06-S018","all_original_cells_read":true,"researcher_record_unchanged":true,"fresh_actual_read_map_entries":[],"fresh_failed_operations":[],"dated_reuse":[],"status":"Saved record reconciled, underlying source not reopened","all_primary_source_accepted":false,"original_failure_secondary_version_currentness_and_application_limits_retained":true}},{"source_id":"S_AZ-P06-S019","urls":["https://www.consumerfinance.gov/rules-policy/regulations/1006/1/","https://www.consumerfinance.gov/rules-policy/regulations/1006/2/","https://www.consumerfinance.gov/rules-policy/regulations/1006/108/","https://www.consumerfinance.gov/rules-policy/regulations/1006/versions/1/","https://www.ecfr.gov/current/title-12/chapter-X/part-1006/section-1006.2","https://www.consumerfinance.gov/rules-policy/regulations/1006/1/?utm_source=chatgpt.com","https://www.consumerfinance.gov/rules-policy/regulations/1006/2/?utm_source=chatgpt.com","https://www.consumerfinance.gov/rules-policy/regulations/1006/108/?utm_source=chatgpt.com","https://www.consumerfinance.gov/rules-policy/regulations/1006/versions/1/?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_AZ-P06-S019","Issuer / title / direct literal URL":"CFPB, Regulation F and official interpretations. https://www.consumerfinance.gov/rules-policy/regulations/1006/1/\nhttps://www.consumerfinance.gov/rules-policy/regulations/1006/2/\nhttps://www.consumerfinance.gov/rules-policy/regulations/1006/108/\nhttps://www.consumerfinance.gov/rules-policy/regulations/1006/versions/1/","Actual read scope, version/status, and limitation":"Fresh material bodies: §§1006.1(c), 1006.2(e), (g)–(i), comments 2(h)-1/2(i)-1, and §1006.108. 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Administrative inventory only; no outbound county practice pages, private cases, or calendars queried."},"coordinator_verification_status":"record_reconciled_unreopened_source_holds","coordinator_canonical_source_id":"S_AZ-P06-S024","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"source_id":"S_AZ-P06-S024","stored_source_id_unchanged":"S_AZ-P06-S024","all_original_cells_read":true,"researcher_record_unchanged":true,"fresh_actual_read_map_entries":[],"fresh_failed_operations":[],"dated_reuse":[],"status":"Saved record reconciled, underlying source not reopened","all_primary_source_accepted":false,"original_failure_secondary_version_currentness_and_application_limits_retained":true}},{"source_id":"S_AZ-P06-S025","urls":["https://difi.az.gov/licensing/financial-enterprises","https://difi.az.gov/licensing/financial-enterprises?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_AZ-P06-S025","Issuer / title / direct literal URL":"DIFI, Financial Enterprises licensing. https://difi.az.gov/licensing/financial-enterprises","Actual result, version limitation, and exact disposition":"403; body not read. Paired with genuinely different collection-agency page S026; current operational instructions held."},"coordinator_verification_status":"record_reconciled_unreopened_source_holds","coordinator_canonical_source_id":"S_AZ-P06-S025","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"source_id":"S_AZ-P06-S025","stored_source_id_unchanged":"S_AZ-P06-S025","all_original_cells_read":true,"researcher_record_unchanged":true,"fresh_actual_read_map_entries":[],"fresh_failed_operations":[],"dated_reuse":[],"status":"Saved record reconciled, underlying source not reopened","all_primary_source_accepted":false,"original_failure_secondary_version_currentness_and_application_limits_retained":true}},{"source_id":"S_AZ-P06-S026","urls":["https://difi.az.gov/collection-agencies-nmls","https://difi.az.gov/collection-agencies-nmls?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_AZ-P06-S026","Issuer / title / direct literal URL":"DIFI, Collection Agencies NMLS. https://difi.az.gov/collection-agencies-nmls","Actual result, version limitation, and exact disposition":"403; body not read. 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Different public search-channel alternate S028 also failed."},"coordinator_verification_status":"record_reconciled_unreopened_source_holds","coordinator_canonical_source_id":"S_AZ-P06-S027","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"source_id":"S_AZ-P06-S027","stored_source_id_unchanged":"S_AZ-P06-S027","all_original_cells_read":true,"researcher_record_unchanged":true,"fresh_actual_read_map_entries":[],"fresh_failed_operations":[],"dated_reuse":[],"status":"Saved record reconciled, underlying source not reopened","all_primary_source_accepted":false,"original_failure_secondary_version_currentness_and_application_limits_retained":true}},{"source_id":"S_AZ-P06-S028","urls":["https://www.nmlsconsumeraccess.org/"],"researcher_record":{"Source ID":"S_AZ-P06-S028","Issuer / title / direct literal URL":"NMLS Consumer Access. https://www.nmlsconsumeraccess.org/","Actual result, version limitation, and exact disposition":"404 through retrieval. 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Alternate S030 unavailable."},"coordinator_verification_status":"record_reconciled_unreopened_source_holds","coordinator_canonical_source_id":"S_AZ-P06-S029","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"source_id":"S_AZ-P06-S029","stored_source_id_unchanged":"S_AZ-P06-S029","all_original_cells_read":true,"researcher_record_unchanged":true,"fresh_actual_read_map_entries":[],"fresh_failed_operations":[],"dated_reuse":[],"status":"Saved record reconciled, underlying source not reopened","all_primary_source_accepted":false,"original_failure_secondary_version_currentness_and_application_limits_retained":true}},{"source_id":"S_AZ-P06-S030","urls":["https://difi.az.gov/sites/default/files/Collection%20Agency%20Renewal%20Instructions%20-%20FINAL_0.pdf","https://difi.az.gov/sites/default/files/Collection%20Agency%20Renewal%20Instructions%20-%20FINAL_0.pdf?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_AZ-P06-S030","Issuer / title / direct literal URL":"DIFI, Collection Agency Renewal Instructions. https://difi.az.gov/sites/default/files/Collection%20Agency%20Renewal%20Instructions%20-%20FINAL_0.pdf","Actual result, version limitation, and exact disposition":"Retrieval reported inaccessible/no readable body. Indexed January 1 and transition/billing excerpts were not adopted as current instructions. 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Direct company-checklist alternate S033 redirected."},"coordinator_verification_status":"record_reconciled_unreopened_source_holds","coordinator_canonical_source_id":"S_AZ-P06-S031","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"source_id":"S_AZ-P06-S031","stored_source_id_unchanged":"S_AZ-P06-S031","all_original_cells_read":true,"researcher_record_unchanged":true,"fresh_actual_read_map_entries":[],"fresh_failed_operations":[],"dated_reuse":[],"status":"Saved record reconciled, underlying source not reopened","all_primary_source_accepted":false,"original_failure_secondary_version_currentness_and_application_limits_retained":true}},{"source_id":"S_AZ-P06-S032","urls":["https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/stateresourcecenter/SitePages/Annual-Renewal-Checklist-Compiler.aspx","https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/stateresourcecenter/SitePages/Annual-Renewal-Checklist-Compiler.aspx?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_AZ-P06-S032","Issuer / title / direct literal URL":"NMLS, annual-renewal checklist compiler. https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/stateresourcecenter/SitePages/Annual-Renewal-Checklist-Compiler.aspx","Actual result, version limitation, and exact disposition":"Zero readable checklist lines. DIFI renewal-document routes S029–S030 also unavailable; no inferred current renewal fields."},"coordinator_verification_status":"record_reconciled_unreopened_source_holds","coordinator_canonical_source_id":"S_AZ-P06-S032","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"source_id":"S_AZ-P06-S032","stored_source_id_unchanged":"S_AZ-P06-S032","all_original_cells_read":true,"researcher_record_unchanged":true,"fresh_actual_read_map_entries":[],"fresh_failed_operations":[],"dated_reuse":[],"status":"Saved record reconciled, underlying source not reopened","all_primary_source_accepted":false,"original_failure_secondary_version_currentness_and_application_limits_retained":true}},{"source_id":"S_AZ-P06-S033","urls":["https://mortgage.nationwidelicensingsystem.org/slr/PublishedStateDocuments/AZ_Collection_Agency_License-Company-New-App-Checklist.pdf","https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/stateresourcecenter/SitePages/Home.aspx","https://mortgage.nationwidelicensingsystem.org/slr/PublishedStateDocuments/AZ_Collection_Agency_License-Company-New-App-Checklist.pdf?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_AZ-P06-S033","Issuer / title / direct literal URL":"NMLS, Arizona Collection Agency company new-application checklist. https://mortgage.nationwidelicensingsystem.org/slr/PublishedStateDocuments/AZ_Collection_Agency_License-Company-New-App-Checklist.pdf","Actual result, version limitation, and exact disposition":"Redirected to generic https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/stateresourcecenter/SitePages/Home.aspx; zero readable checklist body. No actual company checklist/version established."},"coordinator_verification_status":"record_reconciled_unreopened_source_holds","coordinator_canonical_source_id":"S_AZ-P06-S033","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"source_id":"S_AZ-P06-S033","stored_source_id_unchanged":"S_AZ-P06-S033","all_original_cells_read":true,"researcher_record_unchanged":true,"fresh_actual_read_map_entries":[],"fresh_failed_operations":[],"dated_reuse":[],"status":"Saved record reconciled, underlying source not reopened","all_primary_source_accepted":false,"original_failure_secondary_version_currentness_and_application_limits_retained":true}},{"source_id":"S_AZ-P06-S034","urls":["https://difi.az.gov/sites/default/files/l-car_2025-01_f.pdf","https://difi.az.gov/sites/default/files/l-car_2025-01_f.pdf?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_AZ-P06-S034","Issuer / title / direct literal URL":"DIFI, L-CAR form route. https://difi.az.gov/sites/default/files/l-car_2025-01_f.pdf","Actual result, version limitation, and exact disposition":"403. Filename/index suggest a 2025-01 form, but full contents/revision/operative applicability were not verified. S035 alternate failed."},"coordinator_verification_status":"record_reconciled_unreopened_source_holds","coordinator_canonical_source_id":"S_AZ-P06-S034","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"source_id":"S_AZ-P06-S034","stored_source_id_unchanged":"S_AZ-P06-S034","all_original_cells_read":true,"researcher_record_unchanged":true,"fresh_actual_read_map_entries":[],"fresh_failed_operations":[],"dated_reuse":[],"status":"Saved record reconciled, underlying source not reopened","all_primary_source_accepted":false,"original_failure_secondary_version_currentness_and_application_limits_retained":true}},{"source_id":"S_AZ-P06-S035","urls":["https://difi.az.gov/licensing-document-library","https://difi.az.gov/licensing-document-library?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_AZ-P06-S035","Issuer / title / direct literal URL":"DIFI, Licensing Document Library. https://difi.az.gov/licensing-document-library","Actual result, version limitation, and exact disposition":"403. No current prescribed bond instrument, reporting instructions, or attachment set read."},"coordinator_verification_status":"record_reconciled_unreopened_source_holds","coordinator_canonical_source_id":"S_AZ-P06-S035","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"source_id":"S_AZ-P06-S035","stored_source_id_unchanged":"S_AZ-P06-S035","all_original_cells_read":true,"researcher_record_unchanged":true,"fresh_actual_read_map_entries":[],"fresh_failed_operations":[],"dated_reuse":[],"status":"Saved record reconciled, underlying source not reopened","all_primary_source_accepted":false,"original_failure_secondary_version_currentness_and_application_limits_retained":true}},{"source_id":"S_AZ-P06-S036","urls":["https://difi.az.gov/sites/default/files/Collection%20Agency%20Branches%20-%20Licensing%2009.18.2020.pdf","https://apps.azsos.gov/public_services/register/2020/Notice_Archive/M20-48.pdf","https://apps.azsos.gov/public_services/register/2020/Notice_Archive/M20-48.pdf?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_AZ-P06-S036","Issuer / title / direct literal URL":"DIFI bulletin 2021-01, attempted full text and SOS archived copy. https://difi.az.gov/sites/default/files/Collection%20Agency%20Branches%20-%20Licensing%2009.18.2020.pdf\nhttps://apps.azsos.gov/public_services/register/2020/Notice_Archive/M20-48.pdf","Actual result, version limitation, and exact disposition":"DIFI route 403; SOS alternate yielded four PDF pages but no extracted body. Screenshot attempts did not return usable images for inspection; no visual reading is claimed. S017 is a different, readable published notice supporting only its stated summary."},"coordinator_verification_status":"record_reconciled_unreopened_source_holds","coordinator_canonical_source_id":"S_AZ-P06-S036","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"source_id":"S_AZ-P06-S036","stored_source_id_unchanged":"S_AZ-P06-S036","all_original_cells_read":true,"researcher_record_unchanged":true,"fresh_actual_read_map_entries":[],"fresh_failed_operations":[],"dated_reuse":[],"status":"Saved record reconciled, underlying source not reopened","all_primary_source_accepted":false,"original_failure_secondary_version_currentness_and_application_limits_retained":true}},{"source_id":"S_AZ-P06-S037","urls":["https://mortgage.nationwidelicensingsystem.org/slr/PublishedStateDocuments/AZ_Collection_Agency_License-Branch-New-App-Checklist.pdf","https://mortgage.nationwidelicensingsystem.org/slr/PublishedStateDocuments/AZ_Collection_Agency_License-Branch-New-App-Checklist.pdf?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_AZ-P06-S037","Issuer / title / direct literal URL":"NMLS, historical Arizona Collection Agency branch checklist. https://mortgage.nationwidelicensingsystem.org/slr/PublishedStateDocuments/AZ_Collection_Agency_License-Branch-New-App-Checklist.pdf","Actual result, version limitation, and exact disposition":"Index/discovery only, associated with a September 10, 2019 date. Full body not opened or used as current authority. It cannot override S010/S017."},"coordinator_verification_status":"record_reconciled_unreopened_source_holds","coordinator_canonical_source_id":"S_AZ-P06-S037","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"source_id":"S_AZ-P06-S037","stored_source_id_unchanged":"S_AZ-P06-S037","all_original_cells_read":true,"researcher_record_unchanged":true,"fresh_actual_read_map_entries":[],"fresh_failed_operations":[],"dated_reuse":[],"status":"Saved record reconciled, underlying source not reopened","all_primary_source_accepted":false,"original_failure_secondary_version_currentness_and_application_limits_retained":true}}],"coverage":[{"topic":"Claim, collection agency, person, client/debtor distinctions","researcher_record":{"Row":"K01","Issue / actor":"Claim, collection agency, person, client/debtor distinctions","Status / claims":"Answered — C001–C005","Exact remaining evidence or next action":"Actual relationships and obligations remain private facts."},"raw_table_index":12,"coordinator_acceptance":"scoped_coordinator_review_remaining_holds_not_parent_accepted","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"row_zero_based":0,"topic":"Claim, collection agency, person, client/debtor distinctions","table":12,"all_original_cells_read":true,"researcher_record_unchanged":true,"original_status_question_next_action_and_parent_holds_retained":true,"accepted":false}},{"topic":"Consumer versus business accounts","researcher_record":{"Row":"K02","Issue / actor":"Consumer versus business accounts","Status / claims":"Answered — C005, C026, C083","Exact remaining evidence or next action":"Classify actual transaction purpose only in a separately authorized factual review."},"raw_table_index":12,"coordinator_acceptance":"scoped_coordinator_review_remaining_holds_not_parent_accepted","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"row_zero_based":1,"topic":"Consumer versus business accounts","table":12,"all_original_cells_read":true,"researcher_record_unchanged":true,"original_status_question_next_action_and_parent_holds_retained":true,"accepted":false}},{"topic":"Original creditor using true name","researcher_record":{"Row":"K03","Issue / actor":"Original creditor using true name","Status / claims":"Partial — C006","Exact remaining evidence or next action":"Responsive authoritative Arizona construction and actual activity if a concrete determination is needed."},"raw_table_index":12,"coordinator_acceptance":"scoped_coordinator_review_remaining_holds_not_parent_accepted","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"row_zero_based":2,"topic":"Original creditor using true name","table":12,"all_original_cells_read":true,"researcher_record_unchanged":true,"original_status_question_next_action_and_parent_holds_retained":true,"accepted":false}},{"topic":"Original creditor using apparent third-party name","researcher_record":{"Row":"K04","Issue / actor":"Original creditor using apparent third-party name","Status / claims":"Answered — C004","Exact remaining evidence or next action":"Actual communications/name usage held."},"raw_table_index":12,"coordinator_acceptance":"scoped_coordinator_review_remaining_holds_not_parent_accepted","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"row_zero_based":3,"topic":"Original creditor using apparent third-party name","table":12,"all_original_cells_read":true,"researcher_record_unchanged":true,"original_status_question_next_action_and_parent_holds_retained":true,"accepted":false}},{"topic":"Purchaser with retained recourse/unpaid price/unpassed title","researcher_record":{"Row":"K05","Issue / actor":"Purchaser with retained recourse/unpaid price/unpassed title","Status / claims":"Answered — C002","Exact remaining evidence or next action":"Actual purchase terms and performance held."},"raw_table_index":12,"coordinator_acceptance":"scoped_coordinator_review_remaining_holds_not_parent_accepted","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"row_zero_based":4,"topic":"Purchaser with retained recourse/unpaid price/unpassed title","table":12,"all_original_cells_read":true,"researcher_record_unchanged":true,"original_status_question_next_action_and_parent_holds_retained":true,"accepted":false}},{"topic":"Fully paid nonrecourse purchaser","researcher_record":{"Row":"K06","Issue / actor":"Fully paid nonrecourse purchaser","Status / claims":"Partial — C007","Exact remaining evidence or next action":"Published authoritative Arizona interpretation of the remaining definitional issue."},"raw_table_index":12,"coordinator_acceptance":"scoped_coordinator_review_remaining_holds_not_parent_accepted","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"row_zero_based":5,"topic":"Fully paid nonrecourse purchaser","table":12,"all_original_cells_read":true,"researcher_record_unchanged":true,"original_status_question_next_action_and_parent_holds_retained":true,"accepted":false}},{"topic":"Performing/defaulted-account servicer","researcher_record":{"Row":"K07","Issue / actor":"Performing/defaulted-account servicer","Status / claims":"Partial — C005, C033, C091","Exact remaining evidence or next action":"State activity/relationship classification; acquisition/default facts."},"raw_table_index":12,"coordinator_acceptance":"scoped_coordinator_review_remaining_holds_not_parent_accepted","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"row_zero_based":6,"topic":"Performing/defaulted-account servicer","table":12,"all_original_cells_read":true,"researcher_record_unchanged":true,"original_status_question_next_action_and_parent_holds_retained":true,"accepted":false}},{"topic":"Ordinary affiliate","researcher_record":{"Row":"K08","Issue / actor":"Ordinary affiliate","Status / claims":"Answered boundary — C029, C087","Exact remaining evidence or next action":"Actual ownership, exclusivity, institutional status, and principal business."},"raw_table_index":12,"coordinator_acceptance":"scoped_coordinator_review_remaining_holds_not_parent_accepted","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"row_zero_based":7,"topic":"Ordinary affiliate","table":12,"all_original_cells_read":true,"researcher_record_unchanged":true,"original_status_question_next_action_and_parent_holds_retained":true,"accepted":false}},{"topic":"Insured-depository affiliate","researcher_record":{"Row":"K09","Issue / actor":"Insured-depository affiliate","Status / claims":"Answered predicates — C029","Exact remaining evidence or next action":"Federal insurance, control, and exclusive-client facts held."},"raw_table_index":12,"coordinator_acceptance":"scoped_coordinator_review_remaining_holds_not_parent_accepted","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"row_zero_based":8,"topic":"Insured-depository affiliate","table":12,"all_original_cells_read":true,"researcher_record_unchanged":true,"original_status_question_next_action_and_parent_holds_retained":true,"accepted":false}},{"topic":"Salaried credit employee versus contractor","researcher_record":{"Row":"K10","Issue / actor":"Salaried credit employee versus contractor","Status / claims":"Answered — C015","Exact remaining evidence or next action":"Actual employment-control/payroll facts held."},"raw_table_index":12,"coordinator_acceptance":"scoped_coordinator_review_remaining_holds_not_parent_accepted","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"row_zero_based":9,"topic":"Salaried credit employee versus contractor","table":12,"all_original_cells_read":true,"researcher_record_unchanged":true,"original_status_question_next_action_and_parent_holds_retained":true,"accepted":false}},{"topic":"Licensed-agency employee versus separate agent","researcher_record":{"Row":"K11","Issue / actor":"Licensed-agency employee versus separate agent","Status / claims":"Answered — C020","Exact remaining evidence or next action":"Actual employer/license/relationship facts held."},"raw_table_index":12,"coordinator_acceptance":"scoped_coordinator_review_remaining_holds_not_parent_accepted","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"row_zero_based":10,"topic":"Licensed-agency employee versus separate agent","table":12,"all_original_cells_read":true,"researcher_record_unchanged":true,"original_status_question_next_action_and_parent_holds_retained":true,"accepted":false}},{"topic":"Attorney and attorney-connected entity","researcher_record":{"Row":"K12","Issue / actor":"Attorney and attorney-connected entity","Status / claims":"Partial — C014, C098","Exact remaining evidence or next action":"Authoritative entity-level exemption application and actual practice facts."},"raw_table_index":12,"coordinator_acceptance":"scoped_coordinator_review_remaining_holds_not_parent_accepted","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"row_zero_based":11,"topic":"Attorney and attorney-connected entity","table":12,"all_original_cells_read":true,"researcher_record_unchanged":true,"original_status_question_next_action_and_parent_holds_retained":true,"accepted":false}},{"topic":"Bank/fiduciary/financing-lending institution","researcher_record":{"Row":"K13","Issue / actor":"Bank/fiduciary/financing-lending institution","Status / claims":"Partial — C016","Exact remaining evidence or next action":"Charter/status, regular-course activity, and any material federal preemption body."},"raw_table_index":12,"coordinator_acceptance":"scoped_coordinator_review_remaining_holds_not_parent_accepted","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"row_zero_based":12,"topic":"Bank/fiduciary/financing-lending institution","table":12,"all_original_cells_read":true,"researcher_record_unchanged":true,"original_status_question_next_action_and_parent_holds_retained":true,"accepted":false}},{"topic":"Common carrier","researcher_record":{"Row":"K14","Issue / actor":"Common carrier","Status / claims":"Answered predicate — C017","Exact remaining evidence or next action":"Actual qualifying status held."},"raw_table_index":12,"coordinator_acceptance":"scoped_coordinator_review_remaining_holds_not_parent_accepted","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"row_zero_based":13,"topic":"Common carrier","table":12,"all_original_cells_read":true,"researcher_record_unchanged":true,"original_status_question_next_action_and_parent_holds_retained":true,"accepted":false}},{"topic":"Title insurer/agent/abstract company doing escrow","researcher_record":{"Row":"K15","Issue / actor":"Title insurer/agent/abstract company doing escrow","Status / claims":"Answered — C018","Exact remaining evidence or next action":"Actual escrow role and status held."},"raw_table_index":12,"coordinator_acceptance":"scoped_coordinator_review_remaining_holds_not_parent_accepted","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"row_zero_based":14,"topic":"Title insurer/agent/abstract company doing escrow","table":12,"all_original_cells_read":true,"researcher_record_unchanged":true,"original_status_question_next_action_and_parent_holds_retained":true,"accepted":false}},{"topic":"Licensed real-estate broker/landlord distinction","researcher_record":{"Row":"K16","Issue / actor":"Licensed real-estate broker/landlord distinction","Status / claims":"Partial — C019","Exact remaining evidence or next action":"Broker status and actual activity; landlord merits remain separate."},"raw_table_index":12,"coordinator_acceptance":"scoped_coordinator_review_remaining_holds_not_parent_accepted","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"row_zero_based":15,"topic":"Licensed real-estate broker/landlord distinction","table":12,"all_original_cells_read":true,"researcher_record_unchanged":true,"original_status_question_next_action_and_parent_holds_retained":true,"accepted":false}},{"topic":"Substation payment-office wording","researcher_record":{"Row":"K17","Issue / actor":"Substation payment-office wording","Status / claims":"Partial — C021","Exact remaining evidence or next action":"Authoritative interpretation of the literal A(8) wording."},"raw_table_index":12,"coordinator_acceptance":"scoped_coordinator_review_remaining_holds_not_parent_accepted","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"row_zero_based":16,"topic":"Substation payment-office wording","table":12,"all_original_cells_read":true,"researcher_record_unchanged":true,"original_status_question_next_action_and_parent_holds_retained":true,"accepted":false}},{"topic":"Title 6 Chapter 7 cross-exemption","researcher_record":{"Row":"K18","Issue / actor":"Title 6 Chapter 7 cross-exemption","Status / claims":"Answered boundary — C022–C023","Exact remaining evidence or next action":"Actual license/regular-course facts; no same-account dual-role clearance."},"raw_table_index":12,"coordinator_acceptance":"scoped_coordinator_review_remaining_holds_not_parent_accepted","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"row_zero_based":17,"topic":"Title 6 Chapter 7 cross-exemption","table":12,"all_original_cells_read":true,"researcher_record_unchanged":true,"original_status_question_next_action_and_parent_holds_retained":true,"accepted":false}},{"topic":"Title 6 Chapter 9 cross-exemption","researcher_record":{"Row":"K19","Issue / actor":"Title 6 Chapter 9 cross-exemption","Status / claims":"Answered predicate — C024","Exact remaining evidence or next action":"Actual qualifying license and activity held."},"raw_table_index":12,"coordinator_acceptance":"scoped_coordinator_review_remaining_holds_not_parent_accepted","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"row_zero_based":18,"topic":"Title 6 Chapter 9 cross-exemption","table":12,"all_original_cells_read":true,"researcher_record_unchanged":true,"original_status_question_next_action_and_parent_holds_retained":true,"accepted":false}},{"topic":"Premium-finance license cross-exemption","researcher_record":{"Row":"K20","Issue / actor":"Premium-finance license cross-exemption","Status / claims":"Answered predicate — C025","Exact remaining evidence or next action":"Actual license held; underlying sector dossier deferred."},"raw_table_index":12,"coordinator_acceptance":"scoped_coordinator_review_remaining_holds_not_parent_accepted","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"row_zero_based":19,"topic":"Premium-finance license cross-exemption","table":12,"all_original_cells_read":true,"researcher_record_unchanged":true,"original_status_question_next_action_and_parent_holds_retained":true,"accepted":false}},{"topic":"Commercial financing transaction","researcher_record":{"Row":"K21","Issue / actor":"Commercial financing transaction","Status / claims":"Answered — C026","Exact remaining evidence or next action":"Actual primary purpose, assignment/security terms, and debt purpose."},"raw_table_index":12,"coordinator_acceptance":"scoped_coordinator_review_remaining_holds_not_parent_accepted","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"row_zero_based":20,"topic":"Commercial financing transaction","table":12,"all_original_cells_read":true,"researcher_record_unchanged":true,"original_status_question_next_action_and_parent_holds_retained":true,"accepted":false}},{"topic":"Accounting/bookkeeping/billing vendor","researcher_record":{"Row":"K22","Issue / actor":"Accounting/bookkeeping/billing vendor","Status / claims":"Answered — C027–C028","Exact remaining evidence or next action":"Actual account status at receipt, notice contents, contacts, and money access."},"raw_table_index":12,"coordinator_acceptance":"scoped_coordinator_review_remaining_holds_not_parent_accepted","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"row_zero_based":21,"topic":"Accounting/bookkeeping/billing vendor","table":12,"all_original_cells_read":true,"researcher_record_unchanged":true,"original_status_question_next_action_and_parent_holds_retained":true,"accepted":false}},{"topic":"Licensed insurance-premium collector","researcher_record":{"Row":"K23","Issue / actor":"Licensed insurance-premium collector","Status / claims":"Answered predicate — C030","Exact remaining evidence or next action":"Specific licensed article and financed-policy authorization."},"raw_table_index":12,"coordinator_acceptance":"scoped_coordinator_review_remaining_holds_not_parent_accepted","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"row_zero_based":22,"topic":"Licensed insurance-premium collector","table":12,"all_original_cells_read":true,"researcher_record_unchanged":true,"original_status_question_next_action_and_parent_holds_retained":true,"accepted":false}},{"topic":"Insurance administrator / inactive accounts","researcher_record":{"Row":"K24","Issue / actor":"Insurance administrator / inactive accounts","Status / claims":"Answered — C031–C032","Exact remaining evidence or next action":"Actual administrator status, agreement, and inactivity period."},"raw_table_index":12,"coordinator_acceptance":"scoped_coordinator_review_remaining_holds_not_parent_accepted","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"row_zero_based":23,"topic":"Insurance administrator / inactive accounts","table":12,"all_original_cells_read":true,"researcher_record_unchanged":true,"original_status_question_next_action_and_parent_holds_retained":true,"accepted":false}},{"topic":"Nonprofit and other labels","researcher_record":{"Row":"K25","Issue / actor":"Nonprofit and other labels","Status / claims":"Answered boundary — C033, C090","Exact remaining evidence or next action":"A specific state exemption must be demonstrated; label alone 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