{"meta":{"key":"s_az--pass-07","task":"S_AZ","title":"SAZ Arizona collection communications, validation and disputes","parent_title":"Arizona debt and debt relief law","edition":"pass-07","path":"/research/s_az--pass-07/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-27","tables":21,"claims":97,"sources":37,"review_status":"revise_bounded_definition_pinpoints_with_material_evidence_holds","review_complete":true,"sha256":"9c51e717dce9cd9e065708944156930f34f18b483f61d563c3fd1c591359ed1f","headings":["Scope, access and evidence conventions","1.1 Arizona operative text and version checks","1.2 Federal statutes, Regulation F and adoption materials","1.3 Published judicial opinions","1.4 Guidance, failed routes and discovery-only materials","2.1 Debt, actor and territorial predicates","2.2 Arizona communication and information requirements","2.3 Federal contact, conduct and reporting","2.4 Calls, voicemail and electronic channels","2.5 Initial validation, disputes, verification and resumption","2.6 Version, effective-date and interpretation limits","Shared assumptions","Model 1 — Initial contact, dispatch, assumed receipt and a returned notice","Model 2 — Complete call ledger, two debts and the conversation restriction","Base ledger: March 2–8","Adverse branch A — Low count, but conversation restriction","Adverse branch B — Four additional attempts","Consent branch — Separate alternative","Model 3 — Oral dispute, written pause, verification obtained, verification sent","Model 4 — Invalid electronic follow-up, paper notice, text opt-out and original-creditor request","6.1 Core actors, communications and channels","6.2 Validation and dispute workflow","6.3 Currentness, source failures and examples","6.4 Territory, forum and private-fact holds","6.5 Deferred families remain required work"],"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-07","facets":{"geography":["us","us-az"],"debt_type":[],"stage":["collection"],"subject":["validation-disputes","collection-conduct"]},"scope":"Reviewed P01 deferred collection row narrowed to ordinary consumer-debt communications/validation/dispute gateway only","pending_corrections":2},"markdown":"# S_AZ PASS-07 — Arizona collection communications, validation and disputes\n\n**The researched gateway has two separate layers: federal coverage depends on the debt and collector predicates, while Arizona’s collection-agency provisions have their own definitions, exemptions and conduct requirements.** A state licensing exemption does not establish a federal exemption. Conversely, federal coverage does not establish Arizona licensing status. This pass makes no actual actor-status determination. **C001–C017.**\n\nFor a covered Arizona collection agency, the posted rules add meaningful information and investigation duties: specified information must be available within five days of initial communication; specified records must be accessible, with copies supplied without charge on request; and the agency must provide copies of its evidence and investigate the specified non-liability claims in the sequence prescribed by R20-4-1521. Those requirements must be considered separately from the federal pause triggered by a timely written dispute. **C025–C028, C074–C084.** [apps.azsos.gov+1](https://apps.azsos.gov/public_services/Title_20/20-04.pdf?utm_source=chatgpt.com)\n\nThe federal rules distinguish a communication from an attempt, a call-frequency presumption from permission, an oral dispute from the written-dispute pause, and ordinary electronic contact from electronic delivery of disclosures requiring E-SIGN compliance. **Properly sending a qualifying verification response can end the federal verification pause; the consumer’s later reading of it is not a universal prerequisite.** Other applicable restrictions, including Arizona’s investigation requirement, remain separate. **C049–C063, C074–C086.** [Consumer Financial Protection Bureau+3](https://www.consumerfinance.gov/rules-policy/regulations/1006/14/?utm_source=chatgpt.com)\n\n## Scope, access and evidence conventions\n\n- **Actual research access:** October 27, 2026 Pacific, later than the requested October 22 baseline. Individual source-opening times are **unknown**; a session clock is not an opening timestamp.\n- **Fresh research:** The legal bodies identified below were opened for this pass. P02–P06 outputs are not legal or factual premises here.\n- **Important holds:** Exhaustive reconciliation of Arizona Register changes after Supplement 25-4; authoritative reconciliation of Arizona identification rules with federal limited-content messages; actual actor, debt-purpose, default, contract, consent, delivery and territorial facts.\n- **Source hierarchy:** Statutes and operative regulations control their respective questions. Official interpretations explain Regulation F. Published opinions are used within their holdings and procedural posture. Indexes establish only the bounded version checks described. Guidance does not establish liability or permission.\n- **Identifiers:** In cross-references, S### means **S_AZ-P07-S###**, and C### means **S_AZ-P07-C###**. Every source and claim receives its full identifier in its register.\n- **Confidence:** **H** = directly read text supports the stated, conditional proposition. **HR** = high confidence in the posted Arizona rule text, with the later-Register currentness hold. **L** = bounded published holding, without complete subsequent-history certification. **P/Hold** = the identified question remains partly or wholly unresolved.\n- All PDF indexes below are **zero based**. HTML sources have no PDF index.\n\nThis is a focused component contribution. It is not independent review, statewide completion, an actual consumer/provider permission, or parent/A066/A097/A098 acceptance.\n\n# 1. Complete source register\n\nAll access entries below refer to **October 27, 2026 Pacific**. Multiple sections of a compilation, and an agency’s alternative presentation of the same regulation, are not independent corroboration.\n\n## 1.1 Arizona operative text and version checks\n\n| Source ID | Issuer, document and direct literal HTTPS URL | Actual body read and exact location | Version, effect, status and limitations |\n| --- | --- | --- | --- |\n| **S_AZ-P07-S001** | Arizona Legislature, A.R.S. Title 32. [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/32/01051.htm](https://www.azleg.gov/ars/32/01051.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); compilation notice: [https://www.azleg.gov/arsDetail/?title=32](https://www.azleg.gov/arsDetail/?title=32&utm_source=chatgpt.com) | **Fresh primary body.** Definitions in §32-1001; all §32-1004 exemption text; §32-1051 conduct paragraphs; §32-1055, with reliance limited here to relevant actor/conduct/nexus clauses. Compilation disclaimer read. | Legislature’s posted compilation, subject to its drafting/January-following-session disclaimer. Selected-section amendment checks below reduce, but do not eliminate, currentness limits. No actual license finding. [Definitions+4](https://www.azleg.gov/ars/32/01001.htm?utm_source=chatgpt.com) |\n| **S_AZ-P07-S002** | Arizona Secretary of State/DIFI, 20 A.A.C. 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 portions.** R20-4-1501, printed p.38/PDF39; R20-4-1507–1509, p.40/PDF41; R20-4-1510–1514, p.41/PDF42; R20-4-1515–1516 and R20-4-1520(A)–(B), p.42/PDF43; R20-4-1521, p.43/PDF44. Related historical notes read. | **Supplement 25-4**, posted December 31, 2025. Not a claim that the entire 52-page chapter was substantively reviewed. Post-supplement Register reconciliation remains held under S034. No claim of successful visual inspection from unavailable screenshot output. [apps.azsos.gov+1](https://apps.azsos.gov/public_services/Title_20/20-04.pdf?utm_source=chatgpt.com) |\n| **S_AZ-P07-S003** | Arizona SOS/DIFI, 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) | **Fresh final-adoption portions.** Item 3 and rationale, printed pp.1961–1962/PDF46–47; material definitions on p.1964/PDF49; relevant conduct rules pp.1966–1968/PDF51–53. | Published September 1, 2023; stated effective date **October 2, 2023**. Current Code supplies clean operative wording where adoption extraction mixes deleted and added text. Entire 75-page Register issue not claimed read. [apps.azsos.gov+1](https://apps.azsos.gov/public_services/register/2023/35/contents.pdf?utm_source=chatgpt.com) |\n| **S_AZ-P07-S004** | 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 enacted portions:** §51, amending §32-1004; §53, amending/renumbering §32-1051; approval/filed notation. | Approved/filed March 24, 2022. General effective date established through S005–S006 as **September 24, 2022**. Approval is not the commencement date. Other parts of this large enactment are not this pass’s findings. [H Ver of HB2612+2](https://www.azleg.gov/legtext/55leg/2r/laws/0059.htm?utm_source=chatgpt.com) |\n| **S_AZ-P07-S005** | Arizona Legislative Council, 2022 Table of Sections Affected. [https://www.azleg.gov/alisPDFs/council/TOSA_55th_2nd_Regular.pdf](https://www.azleg.gov/alisPDFs/council/TOSA_55th_2nd_Regular.pdf?utm_source=chatgpt.com) | **Fresh official index body:** legend and printed p.18/PDF17, entries for §§32-1004 and 32-1051, ch.59 §§51 and 53, marked general-effective. | September 28, 2022 version; chapters 1–388. Index corroborates amendment identification, not operative conduct wording. [azleg.gov+1](https://www.azleg.gov/alisPDFs/council/TOSA_55th_2nd_Regular.pdf?utm_source=chatgpt.com) |\n| **S_AZ-P07-S006** | Arizona Legislature, General Effective Dates. [https://www.azleg.gov/general-effective-dates/](https://www.azleg.gov/general-effective-dates/?utm_source=chatgpt.com) | **Fresh official date table:** 2022 regular-session row. | Establishes September 24, 2022 general effective date used with S004–S005. Other displayed years are not substitute amendment histories. [azleg.gov](https://www.azleg.gov/general-effective-dates/?utm_source=chatgpt.com) |\n| **S_AZ-P07-S007** | Arizona Legislative Council, 2023 TOSA. [https://www.azleg.gov/alisPDFs/council/TOSA_56th_1st_Regular.pdf](https://www.azleg.gov/alisPDFs/council/TOSA_56th_1st_Regular.pdf?utm_source=chatgpt.com) | **Fresh index:** sorted Title 32 range, printed p.8/PDF7. | December 19, 2023 version, chapters 1–205. No entry for the four selected P07 statutory sections in that range. This is a bounded index check, not a finding about all collection law. [azleg.gov](https://www.azleg.gov/alisPDFs/council/TOSA_56th_1st_Regular.pdf?utm_source=chatgpt.com) |\n| **S_AZ-P07-S008** | Arizona Legislative Council, 2024 TOSA. [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) | **Fresh index:** Title 32 range, printed p.10/PDF9. | No listed amendment to the four selected sections in the inspected range. Header publication date not established; not invented. [azleg.gov](https://www.azleg.gov/alisPDFs/council/TOSA_56th_2nd_Regular.pdf?utm_source=chatgpt.com) |\n| **S_AZ-P07-S009** | Arizona Legislative Council, 2024 election TOSA. [https://www.azleg.gov/alisPDFs/council/TOSA_2024_election.pdf](https://www.azleg.gov/alisPDFs/council/TOSA_2024_election.pdf?utm_source=chatgpt.com) | **Fresh entire two-page index body**, PDF0–1. | No Title 32 entry found in this index. Index is not the enacted initiative text and supplies no broader initiative-validity conclusion. [azleg.gov+1](https://www.azleg.gov/alisPDFs/council/TOSA_2024_election.pdf?utm_source=chatgpt.com) |\n| **S_AZ-P07-S010** | Arizona Legislative Council, 2025 TOSA. [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) | **Fresh index:** sorted Title 32 range, printed p.10/PDF9. | No listed amendment to the four selected sections in the inspected range. No P02 renewal conclusion imported. [azleg.gov](https://www.azleg.gov/alisPDFs/council/TOSA_57th_1st_Regular.pdf?utm_source=chatgpt.com) |\n| **S_AZ-P07-S011** | Arizona Legislative Council, 2026 TOSA. [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) | **Fresh index:** header and Title 32 range, printed p.11/PDF10. | August 19, 2026 version, chapters 1–264. No entry for §§32-1001, 1004, 1051 or 1055 in the inspected range. Not a complete later-enactment certificate. [azleg.gov+1](https://www.azleg.gov/alisPDFs/council/TOSA_57th_2nd_Regular.pdf?utm_source=chatgpt.com) |\n| **S_AZ-P07-S012** | Arizona Legislative Council, 2026 delayed effective dates. [https://www.azleg.gov/alisPDFs/council/2026_Delayed_effective_dates.pdf](https://www.azleg.gov/alisPDFs/council/2026_Delayed_effective_dates.pdf?utm_source=chatgpt.com) | **Fresh material index portions**, PDF0–1, including listed Title 32 January 1, 2027 changes. | Selected P07 sections not listed there. Not all three pages claimed read; no future-effective change inferred from an unrelated entry. [azleg.gov+1](https://www.azleg.gov/alisPDFs/council/2026_Delayed_effective_dates.pdf?utm_source=chatgpt.com) |\n\n## 1.2 Federal statutes, Regulation F and adoption materials\n\n| Source ID | Issuer, document and direct literal HTTPS URL | Actual body read and exact location | Version, effect, status and limitations |\n| --- | --- | --- | --- |\n| **S_AZ-P07-S013** | U.S. House OLRC, Title 15 compilation. [https://uscode.house.gov/us/usc/119-124/t15/s1692a/](https://uscode.house.gov/us/usc/119-124/t15/s1692a/?utm_source=chatgpt.com); [https://uscode.house.gov/us/usc/119-124/t15/s1692b/](https://uscode.house.gov/us/usc/119-124/t15/s1692b/?utm_source=chatgpt.com); [https://uscode.house.gov/us/usc/119-124/t15/s1692d/](https://uscode.house.gov/us/usc/119-124/t15/s1692d/?utm_source=chatgpt.com); [https://uscode.house.gov/us/usc/119-124/t15/s1692e/](https://uscode.house.gov/us/usc/119-124/t15/s1692e/?utm_source=chatgpt.com); [https://uscode.house.gov/us/usc/119-124/t15/s1692f/](https://uscode.house.gov/us/usc/119-124/t15/s1692f/?utm_source=chatgpt.com); [https://uscode.house.gov/us/usc/119-124/t15/s1692g/](https://uscode.house.gov/us/usc/119-124/t15/s1692g/?utm_source=chatgpt.com); [https://uscode.house.gov/us/usc/119-124/t15/s1692k/](https://uscode.house.gov/us/usc/119-124/t15/s1692k/?utm_source=chatgpt.com); [https://uscode.house.gov/us/usc/119-124/t15/s1692n/](https://uscode.house.gov/us/usc/119-124/t15/s1692n/?utm_source=chatgpt.com); [https://uscode.house.gov/us/usc/119-124/t15/s7001/](https://uscode.house.gov/us/usc/119-124/t15/s7001/?utm_source=chatgpt.com); [https://uscode.house.gov/us/usc/119-124/t15/s1681a/](https://uscode.house.gov/us/usc/119-124/t15/s1681a/?utm_source=chatgpt.com); [https://uscode.house.gov/us/usc/119-124/t15/s1681b/](https://uscode.house.gov/us/usc/119-124/t15/s1681b/?utm_source=chatgpt.com) | **Fresh primary bodies:** §§1692a–b, d–g, n; §1692k(c) for the narrow electronic-procedure defense cross-reference; §7001(a)–(c) and relevant related provisions; §1681a(f), (x)(3), and §1681b(a)(3). Earlier §7001 reading at [https://uscode.house.gov/us/usc/119-121/t15/s7001/](https://uscode.house.gov/us/usc/119-121/t15/s7001/?utm_source=chatgpt.com) was followed by the newer compilation check. | Current pages state laws effective through **P.L.119-124, October 15, 2026**. Full FCRA, remedies, damages and limitation regimes are not analyzed merely because adjacent text was returned. §1692c’s failed OLRC route is recorded under S014. [uscode.house.gov+4](https://uscode.house.gov/us/usc/119-124/t15/s1692a/?utm_source=chatgpt.com) |\n| **S_AZ-P07-S014** | GovInfo, 15 U.S.C. §1692c. [https://www.govinfo.gov/link/uscode/15/1692c](https://www.govinfo.gov/link/uscode/15/1692c?utm_source=chatgpt.com) | **Fresh full §1692c(a)–(d)**, printed p.1636/PDF0. | Successful official alternate after [https://uscode.house.gov/us/usc/119-124/t15/s1692c/](https://uscode.house.gov/us/usc/119-124/t15/s1692c/) returned an internal retrieval error. GovInfo’s dynamic link did not establish its edition year; text was compared with current Regulation F and S015. A separate GovInfo definition route, [https://www.govinfo.gov/link/uscode/15/1692a](https://www.govinfo.gov/link/uscode/15/1692a?utm_source=chatgpt.com), yielded no readable body/then a 400 response; §1692a was resolved through S013. [govinfo.gov](https://www.govinfo.gov/link/uscode/15/1692c?utm_source=chatgpt.com) |\n| **S_AZ-P07-S015** | FTC, FDCPA text reproduction. [https://www.ftc.gov/legal-library/browse/rules/fair-debt-collection-practices-act-text](https://www.ftc.gov/legal-library/browse/rules/fair-debt-collection-practices-act-text?utm_source=chatgpt.com) | **Fresh historical official reproduction:** relevant definitions and communication/validation/state-law provisions. | Page presents the Act as amended through the 2010 legislation and identifies its convenience function. Used as a cross-check, not a substitute for current Code. [Federal Trade Commission](https://www.ftc.gov/legal-library/browse/rules/fair-debt-collection-practices-act-text?utm_source=chatgpt.com) |\n| **S_AZ-P07-S016** | Office of the Federal Register/GPO, eCFR, 12 C.F.R. Part 1006. [https://www.ecfr.gov/current/title-12/chapter-X/part-1006](https://www.ecfr.gov/current/title-12/chapter-X/part-1006?utm_source=chatgpt.com) | **Fresh operative bodies and material official commentary:** §§1006.1, .2, .6, .10, .14, .18, .22, .30(a), .34, .38, .42 and .104; relevant Supplement I passages. | Displayed Title 12 currency **October 23, 2026**. That is not a finding that Part 1006 was amended that day. eCFR is the official government editorial compilation, not the official annual legal edition. Model Form B-1’s image was not inspected; no actual form approved. [ecfr.gov+3](https://www.ecfr.gov/current/title-12/chapter-X/part-1006?utm_source=chatgpt.com) |\n| **S_AZ-P07-S017** | CFPB, interactive Regulation F and official interpretations. [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/1006/6/](https://www.consumerfinance.gov/rules-policy/regulations/1006/6/?utm_source=chatgpt.com); [https://www.consumerfinance.gov/rules-policy/regulations/1006/10/](https://www.consumerfinance.gov/rules-policy/regulations/1006/10/?utm_source=chatgpt.com); [https://www.consumerfinance.gov/rules-policy/regulations/1006/14/](https://www.consumerfinance.gov/rules-policy/regulations/1006/14/?utm_source=chatgpt.com); [https://www.consumerfinance.gov/rules-policy/regulations/1006/18/](https://www.consumerfinance.gov/rules-policy/regulations/1006/18/?utm_source=chatgpt.com); [https://www.consumerfinance.gov/rules-policy/regulations/1006/22/](https://www.consumerfinance.gov/rules-policy/regulations/1006/22/?utm_source=chatgpt.com); [https://www.consumerfinance.gov/rules-policy/regulations/1006/30/](https://www.consumerfinance.gov/rules-policy/regulations/1006/30/?utm_source=chatgpt.com); [https://www.consumerfinance.gov/rules-policy/regulations/1006/34/](https://www.consumerfinance.gov/rules-policy/regulations/1006/34/?utm_source=chatgpt.com); [https://www.consumerfinance.gov/rules-policy/regulations/1006/38/](https://www.consumerfinance.gov/rules-policy/regulations/1006/38/?utm_source=chatgpt.com); [https://www.consumerfinance.gov/rules-policy/regulations/1006/42/](https://www.consumerfinance.gov/rules-policy/regulations/1006/42/?utm_source=chatgpt.com) | **Fresh material bodies/comments**, particularly identity, communication procedures, call counting, itemization, receipt, disputes and delivery. These are alternative presentations of S016’s authority. | Pages label themselves current regulation. The §38 mirror retains an incorrect internal comment reference to “38–1.ii”; S020 and eCFR establish the corrected “iii” reference for electronic consumer submissions. No claim that the mirror is error-free. [Consumer Financial Protection Bureau+5](https://www.consumerfinance.gov/rules-policy/regulations/1006/2/?utm_source=chatgpt.com) |\n| **S_AZ-P07-S018** | CFPB, 2020 final Regulation F rule, **85 F.R. 76734**. [https://www.federalregister.gov/documents/2020/11/30/2020-24463/debt-collection-practices-regulation-f](https://www.federalregister.gov/documents/2020/11/30/2020-24463/debt-collection-practices-regulation-f?utm_source=chatgpt.com) | **Fresh DATES and material introductory/effective-date passages.** | Published November 30, 2020; effective **November 30, 2021**. Entire lengthy preamble not claimed read. [federalregister.gov](https://www.federalregister.gov/documents/2020/11/30/2020-24463/debt-collection-practices-regulation-f?utm_source=chatgpt.com) |\n| **S_AZ-P07-S019** | CFPB, validation/disclosure final rule, **86 F.R. 5766**. [https://www.federalregister.gov/documents/2021/01/19/2020-28422/debt-collection-practices-regulation-f](https://www.federalregister.gov/documents/2021/01/19/2020-28422/debt-collection-practices-regulation-f?utm_source=chatgpt.com) | **Fresh DATES and material introductory/effective-date passages.** Operative text read through S016–S017. | Published January 19, 2021; effective **November 30, 2021**. Publication and commencement kept separate. [federalregister.gov](https://www.federalregister.gov/documents/2021/01/19/2020-28422/debt-collection-practices-regulation-f?utm_source=chatgpt.com) |\n| **S_AZ-P07-S020** | CFPB, Regulation F corrections, **87 F.R. 65668–65670**. [https://www.federalregister.gov/documents/2022/11/01/2022-23559/debt-collection-practices-regulation-f-corrections](https://www.federalregister.gov/documents/2022/11/01/2022-23559/debt-collection-practices-regulation-f-corrections?utm_source=chatgpt.com) | **Fresh material correction body**, including comments 30(a)(1)-3 and 38-2/38-3 and the corrected electronic-submission cross-reference. | Effective **November 1, 2022**. Technical correction, not a newly created 30-day collector-response period. [federalregister.gov](https://www.federalregister.gov/documents/2022/11/01/2022-23559/debt-collection-practices-regulation-f-corrections?utm_source=chatgpt.com) |\n| **S_AZ-P07-S021** | CFPB, Agency Contact Information rule. [https://www.federalregister.gov/documents/2023/03/20/2023-05216/agency-contact-information](https://www.federalregister.gov/documents/2023/03/20/2023-05216/agency-contact-information) | **Fresh DATES and Part 1006 amendment instructions 8–10**, printed p.16538 in the Federal Register pagination. | Effective **April 19, 2023**. Relevant changes concern agency contact/organizational information. The rule’s later mandatory dates for other regulations’ forms are not Regulation F dispute-clock changes. [federalregister.gov+1](https://www.federalregister.gov/citation/88-FR-16538?utm_source=chatgpt.com) |\n| **S_AZ-P07-S022** | OLRC, Title 12 cross-references. [https://uscode.house.gov/us/usc/119-124/t12/s5481/](https://uscode.house.gov/us/usc/119-124/t12/s5481/?utm_source=chatgpt.com); [https://uscode.house.gov/us/usc/119-124/t12/s5519/](https://uscode.house.gov/us/usc/119-124/t12/s5519/?utm_source=chatgpt.com) | **Fresh necessary portions:** §5481(5), (7), (15)(A)(i); §5519(a), relevant (b), (c), (f). | Same P.L.119-124 currency. Supports the consumer-financial-product subset and Regulation F’s auto-dealer boundary, not a complete sector opinion. [uscode.house.gov+1](https://uscode.house.gov/us/usc/119-124/t12/s5481/?utm_source=chatgpt.com) |\n| **S_AZ-P07-S023** | GovInfo, 5 U.S.C. §6103. [https://www.govinfo.gov/link/uscode/5/6103](https://www.govinfo.gov/link/uscode/5/6103?utm_source=chatgpt.com) | **Fresh holiday text:** §6103(a), associated portions and source notes, printed pp.791–793/PDF0–2. | Official alternate after [https://uscode.house.gov/us/usc/119-124/t5/s6103/](https://uscode.house.gov/us/usc/119-124/t5/s6103/) was inaccessible. Dynamic-link edition year unestablished; Juneteenth amendment appears. Used for the expressly incorporated holiday list, not general court-calendar rules. [govinfo.gov](https://www.govinfo.gov/link/uscode/5/6103?utm_source=chatgpt.com) |\n\n## 1.3 Published judicial opinions\n\n| Source ID | Court, opinion and direct literal HTTPS URL | Actual body read / pinpoint | Status and limits |\n| --- | --- | --- | --- |\n| **S_AZ-P07-S024** | U.S. Supreme Court, *Henson v. Santander Consumer USA Inc.* [https://www.supremecourt.gov/opinions/16pdf/16-349_c07d.pdf](https://www.supremecourt.gov/opinions/16pdf/16-349_c07d.pdf?utm_source=chatgpt.com) | **Fresh entire majority**, slip pp.1–11/PDF2–12; principal-purpose reservation at slip p.3/PDF4. | June 12, 2017, unanimous published opinion. Own-account purchase holding does not decide the principal-purpose prong. [supremecourt.gov](https://www.supremecourt.gov/opinions/16pdf/16-349_c07d.pdf?utm_source=chatgpt.com) |\n| **S_AZ-P07-S025** | Ninth Circuit, *McAdory v. M.N.S. & Associates, LLC*. [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) | **Fresh majority portion**, printed pp.3–17/PDF2–16; principal-purpose analysis especially pp.11–16. | March 9, 2020, marked **FOR PUBLICATION**. Reversal/remand of dismissal; allegations and classification holding are not final vicarious-liability findings. Bea dissent identified, not used as majority law. [cdn.ca9.uscourts.gov](https://cdn.ca9.uscourts.gov/datastore/opinions/2020/03/09/18-35923.pdf?utm_source=chatgpt.com) |\n| **S_AZ-P07-S026** | U.S. Supreme Court/GovInfo, *Heintz v. Jenkins*, 514 U.S. 291. [https://www.govinfo.gov/content/pkg/USREPORTS-514/pdf/USREPORTS-514-291.pdf](https://www.govinfo.gov/content/pkg/USREPORTS-514/pdf/USREPORTS-514-291.pdf?utm_source=chatgpt.com) | **Fresh majority**, printed pp.292–299/PDF1–8. | April 18, 1995, unanimous. Regular litigation-related consumer-debt collection can meet FDCPA coverage; not a ruling that every lawyer or every litigation act violates the Act. [govinfo.gov](https://www.govinfo.gov/content/pkg/USREPORTS-514/pdf/USREPORTS-514-291.pdf?utm_source=chatgpt.com) |\n| **S_AZ-P07-S027** | U.S. Supreme Court, *Obduskey v. McCarthy & Holthus LLP*. [https://www.supremecourt.gov/opinions/18pdf/17-1307_7lho.pdf](https://www.supremecourt.gov/opinions/18pdf/17-1307_7lho.pdf?utm_source=chatgpt.com) | **Fresh entire majority**, slip pp.1–14/PDF3–16; limitations/reservations at slip pp.12–14. | March 20, 2019, unanimous majority. Colorado nonjudicial-security-enforcement posture. Separate concurrence not relied on; full foreclosure/repossessions deferred. [supremecourt.gov](https://www.supremecourt.gov/opinions/18pdf/17-1307_7lho.pdf?utm_source=chatgpt.com) |\n| **S_AZ-P07-S028** | Ninth Circuit, *Hernandez v. Williams, Zinman & Parham PC*. [https://cdn.ca9.uscourts.gov/datastore/opinions/2016/07/20/14-15672.pdf](https://cdn.ca9.uscourts.gov/datastore/opinions/2016/07/20/14-15672.pdf?utm_source=chatgpt.com) | **Fresh material majority:** pp.3–9/PDF2–8 and pp.20–26/PDF19–25; holding pp.25–26/PDF24–25. | July 20, 2016, **FOR PUBLICATION**. Each successive collector’s initial covered communication matters. Not every intervening page claimed read; actor status was conceded in the case. [cdn.ca9.uscourts.gov](https://cdn.ca9.uscourts.gov/datastore/opinions/2016/07/20/14-15672.pdf?utm_source=chatgpt.com) |\n| **S_AZ-P07-S029** | Ninth Circuit opinion reproduced by Justia, *Camacho v. Bridgeport Financial Inc.*, 430 F.3d 1078. [https://law.justia.com/cases/federal/appellate-courts/F3/430/1078/505439/](https://law.justia.com/cases/federal/appellate-courts/F3/430/1078/505439/?utm_source=chatgpt.com) | **Fresh primary-opinion reproduction:** Background, Discussion, Conclusion and relevant footnotes, particularly footnote 4. | December 12, 2005. Candidate official route [https://cdn.ca9.uscourts.gov/datastore/opinions/2005/12/12/0417126.pdf](https://cdn.ca9.uscourts.gov/datastore/opinions/2005/12/12/0417126.pdf) failed; reproduction used after that failure. Host summaries/headnotes excluded. HTML; PDF index unavailable. Later treatment actually read in S031. [law.justia.com](https://law.justia.com/cases/federal/appellate-courts/F3/430/1078/505439/?utm_source=chatgpt.com) |\n| **S_AZ-P07-S030** | Ninth Circuit opinion reproduced by Justia, *Clark v. Capital Credit & Collection Services, Inc.*, 460 F.3d 1162. [https://law.justia.com/cases/federal/appellate-courts/F3/460/1162/580673/](https://law.justia.com/cases/federal/appellate-courts/F3/460/1162/580673/?utm_source=chatgpt.com) | **Fresh material majority:** §I, cease-contact waiver and verification discussion; verification paragraphs at rendered lines 134–143; §II/disposition. Relevant separate dissent read for distinction. | August 24, 2006. Candidate official route [https://cdn.ca9.uscourts.gov/datastore/opinions/2006/08/24/0435563.pdf](https://cdn.ca9.uscourts.gov/datastore/opinions/2006/08/24/0435563.pdf) failed. Reproduction, not host summary, relied on. HTML; reporter-page/PDF pairing not fabricated. [law.justia.com](https://law.justia.com/cases/federal/appellate-courts/F3/460/1162/580673/?utm_source=chatgpt.com) |\n| **S_AZ-P07-S031** | Ninth Circuit, *Riggs v. Prober & Raphael*. [https://cdn.ca9.uscourts.gov/datastore/opinions/2012/06/08/10-17220.pdf](https://cdn.ca9.uscourts.gov/datastore/opinions/2012/06/08/10-17220.pdf?utm_source=chatgpt.com) | **Fresh entire 13-page opinion file.** Majority Parts III–IV, printed pp.6534–6538/PDF8–12, supply the relevant later treatment of *Camacho*. | June 8, 2012, **FOR PUBLICATION**. Historical notice decision; not approval of a notice under the later Regulation F requirements. [cdn.ca9.uscourts.gov](https://cdn.ca9.uscourts.gov/datastore/opinions/2012/06/08/10-17220.pdf?utm_source=chatgpt.com) |\n\n## 1.4 Guidance, failed routes and discovery-only materials\n\n| Source ID | Issuer / route and direct literal HTTPS URL | Actual result and use | Hold / next action |\n| --- | --- | --- | --- |\n| **S_AZ-P07-S032** | CFPB public complaint information. [https://www.consumerfinance.gov/complaint/](https://www.consumerfinance.gov/complaint/?utm_source=chatgpt.com) | **Fresh guidance body:** debt collection appears among complaint subjects; routing/process description read. No form submitted. | Information route only. Company-response guidance is not a consumer’s validation or court deadline. [Consumer Financial Protection Bureau](https://www.consumerfinance.gov/complaint/?utm_source=chatgpt.com) |\n| **S_AZ-P07-S033** | Arizona Attorney General candidate debt-collection pages. [https://www.azag.gov/consumer/debt-collection](https://www.azag.gov/consumer/debt-collection); alternate [https://www.azag.gov/consumer/debt-collections](https://www.azag.gov/consumer/debt-collections) | First route failed to supply an accessible body; exact HTTP status is not established in the retained record. The genuinely different alternate returned **404**. | Current AG debt-collection guidance remains unread. Next action: obtain an accessible official consumer-guidance index and its currently linked page. No inferred absence of AG authority or services. |\n| **S_AZ-P07-S034** | Arizona SOS Register routes. [https://apps.azsos.gov/public_services/register/2026/](https://apps.azsos.gov/public_services/register/2026/); alternate [https://apps.azsos.gov/public_services/register/](https://apps.azsos.gov/public_services/register/?utm_source=chatgpt.com) | First directory route inaccessible; alternate supplied **zero readable lines**. No unchanged retry loop. | Exhaustive post-Supplement-25-4 Article 15 amendment/currentness reconciliation held. Next: readable official 2026 cumulative index, followed by any responsive final notices. |\n| **S_AZ-P07-S035** | Arizona Legislative Council publication navigation. [https://www.azleg.gov/legislative-council/](https://www.azleg.gov/legislative-council/?utm_source=chatgpt.com) | **Fresh navigation/index body:** publication links used to reach TOSAs. | Discovery/provenance, not substantive authority. [azleg.gov](https://www.azleg.gov/legislative-council/?utm_source=chatgpt.com) |\n| **S_AZ-P07-S036** | OLRC preliminary whole-subchapter route. [https://uscode.house.gov/view.xhtml?path=/prelim@title15/chapter41/subchapter5&edition=prelim](https://uscode.house.gov/view.xhtml?path=/prelim@title15/chapter41/subchapter5&edition=prelim) | **404; no body.** | Material federal sections subsequently read through S013–S014. Failure is not evidence that the FDCPA is unavailable or repealed. |\n| **S_AZ-P07-S037** | GovInfo candidate 2025 whole-subchapter PDF. [https://www.govinfo.gov/content/pkg/USCODE-2025-title15/pdf/USCODE-2025-title15-chap41-subchapV.pdf](https://www.govinfo.gov/content/pkg/USCODE-2025-title15/pdf/USCODE-2025-title15-chap41-subchapV.pdf) | Inaccessible; no operative body obtained from this route. | Material text resolved through current individual Code sections. No claim that this failed edition PDF was read. |\n\n**Additional retrieval limit:** An eCFR link to E-SIGN produced an internal retrieval error without a usable destination in the returned result. Its exact failed destination is not invented here. The necessary §7001 body was then read at the literal OLRC URLs in S013.\n\n# 2. Atomic claim and evidence matrices\n\nThese tables provide the substantive findings. Each row describes a conditional legal proposition, not an actual provider or consumer determination.\n\n## 2.1 Debt, actor and territorial predicates\n\n| Claim ID | Actor / predicate | Required classification, consequence or boundary | Exact authority; exceptions and confidence |\n| --- | --- | --- | --- |\n| **S_AZ-P07-C001** | Natural person and asserted obligation | Federal “debt” requires a transaction primarily for personal, family or household purposes; a judgment can remain within that definition. A natural-person borrower alone does not convert business debt into consumer debt. | S013, §1692a(3), (5); S016–S017, §1006.2(d), (h). **H; actual purpose held.** |\n| **S_AZ-P07-C002** | Collector’s message or contact effort | Conveying debt information directly or indirectly is a communication. Regulation F also regulates attempts, including qualifying limited-content messages; an unsuccessful attempt need not be a communication. | S013, §1692a(2); S016–S017, §1006.2(a), (c), (j). **H.** |\n| **S_AZ-P07-C003** | Business using interstate instrumentalities or mail | Test both principal-purpose collection and regular collection of debts owed another. The alternatives must be tested independently. | S013, §1692a(6), opening definition; S016–S017, §1006.2(i)(1). **H.** |\n| **S_AZ-P07-C004** | Original creditor collecting its own account | Own-account collection does not satisfy the owed-another route merely because payment is demanded. Use of another name suggesting a third-party collector invokes an express inclusion; other applicable predicates still require testing. | S013, §1692a(4), (6); S017, §1006.2(g), (i)(1). **H; no blanket original-creditor clearance.** |\n| **S_AZ-P07-C005** | Creditor’s officer or employee | The federal exclusion requires collection for that creditor in the creditor’s name. Independent contractors do not receive this exclusion merely by being called staff. | S013, §1692a(6)(A); S017, §1006.2(i)(2)(i). **H; employment/name facts held.** |\n| **S_AZ-P07-C006** | Affiliate collector | Federal exclusion requires collection only for related/common-control entities and a principal business other than debt collection. Corporate affiliation alone is insufficient. | S013, §1692a(6)(B); S017, §1006.2(i)(2)(ii). **H.** |\n| **S_AZ-P07-C007** | Servicer or other person collecting another’s debt | The exclusion applies only to the specified extent: incidental fiduciary/escrow activity, originated debt, debt not in default when obtained, or specified commercial-secured-party collection. Default acquisition alone does not decide every prong. | S013, §1692a(6)(F)(i)–(iv); S017, §1006.2(i)(2)(vi); S024–S025. **H; actual default and acquisition facts held.** |\n| **S_AZ-P07-C008** | Government personnel, process server, nonprofit counselor | Exclusions are activity-specific: official duties; service of process; or bona fide nonprofit counseling receiving/distributing payments at consumers’ request. A title or nonprofit label alone is insufficient. | S013, §1692a(6)(C)–(E); S017, §1006.2(i)(2)(iii)–(v). **H. Separate bad-check-program statutory conditions remain held.** |\n| **S_AZ-P07-C009** | Buyer collecting purchased debt for itself | *Henson* rejects coverage under the owed-another prong based solely on the debt’s defaulted status before purchase; it expressly leaves principal-purpose coverage undecided. | S024, slip pp.1–3, 5–11/PDF2–4, 6–12. **L.** |\n| **S_AZ-P07-C010** | Buyer whose principal purpose is collecting purchased debts through contractors | Outsourcing does not itself remove principal-purpose coverage. *McAdory* found the pleaded business model sufficient and remanded; ultimate responsibility for particular misconduct was not finally resolved. | S025, majority pp.11–17/PDF10–16. **L.** |\n| **S_AZ-P07-C011** | Attorney regularly collecting consumer debts | Litigation-related collection can fall within the FDCPA. There is no general federal attorney exemption. | S026, 514 U.S. pp.292–299/PDF1–8; S013, §1692a amendment notes. **L/H; particular conduct still tested separately.** |\n| **S_AZ-P07-C012** | Person engaged only in specified security-interest enforcement | *Obduskey* applies the limited-purpose definition for §1692f(6) to its nonjudicial-foreclosure posture. Ordinary money demands or other collection business require separate analysis. | S027, slip pp.6–14/PDF8–16; S013, §1692a(6), security-interest sentence. **L; foreclosure/repo regime deferred.** |\n| **S_AZ-P07-C013** | Arizona claim/agency/debtor | Arizona’s general claim and rule debt definitions do not contain the federal personal/family/household limitation. State contact includes attempted contact; agency status derives from state definitions. | S001, §32-1001(1), (2), (6); S002, R20-4-1501, p.38/PDF39. **H/HR.** |\n| **S_AZ-P07-C014** | Arizona exempt-category actor | §32-1004’s exemptions are conditioned on regular-course activity and retain specified statutory duties. Attorney, employee, institutional, affiliate and billing-service predicates differ. The entire agency-rule article is not automatically imposed on every exempt actor. | S001, §32-1004(A), especially (1)–(3), (7), (13)–(14), (B)–(D). Billing exception requires all five conditions; institutional cross-reference eligibility remains P06 work. **H; actual exemption held.** |\n| **S_AZ-P07-C015** | Remote collector contacting an Arizona debtor | Federal mail/interstate predicates and Arizona territorial applicability are distinct. Arizona text contemplates an agency without an Arizona office, so office absence alone cannot resolve coverage. The complete remote-contact jurisdiction test was not established. | S001, §32-1055(A), (B), (D)(2); S013, §1692a(6). **P/Hold on actual nexus and choice of law.** |\n| **S_AZ-P07-C016** | Concurrent state and federal protections | The FDCPA preserves state protections except to the extent of inconsistency; greater consumer protection is not inconsistent merely because it is greater. | S013, §1692n; S016, §1006.104. **H; no complete preemption/choice-of-law opinion.** |\n| **S_AZ-P07-C017** | Regulation F actor and covered product | Regulation F’s coverage clause includes its statutory auto-dealer boundary. Some validation fields apply only to debt related to a consumer financial product/service. Neither qualification creates a universal FDCPA exemption. | S016, §1006.1(c), §1006.34(c)(2)(iii), (c)(3)(iv); S022, §§5481, 5519. **H; special-sector eligibility held.** |\n\n## 2.2 Arizona communication and information requirements\n\nHere, **“covered Arizona agency” means an actor to which the identified agency rule applies after the state predicates and exemptions are resolved**. It does not mean every federal debt collector.\n\n| Claim ID | Actor / predicate | Required act, trigger or consequence | Exact authority; exceptions and confidence |\n| --- | --- | --- | --- |\n| **S_AZ-P07-C018** | Covered Arizona agency and its personnel | Agency communications must identify the agency’s collection role; personnel must indicate their collector role and cannot misrepresent their position. | S002, R20-4-1507(1)–(4), p.40/PDF41; R20-4-1520(A)–(B), p.42/PDF43. **HR; federal LCM reconciliation held.** |\n| **S_AZ-P07-C019** | Covered agency discussing legal consequences | No false law/process/arrest representations, nonexistent filed suits, insincere suit/referral threats, false waiver-by-silence statements or misrepresented remedies. | S002, R20-4-1508; -1509(B)–(D); -1510, pp.40–41/PDF41–42. **HR; actual litigation procedure deferred.** |\n| **S_AZ-P07-C020** | Agency collection directed at any person | Oppressive harassment, humiliation, criminal insinuations and obscene/abusive collection language are prohibited. | S002, R20-4-1511(A)–(D), p.41/PDF42. **HR.** |\n| **S_AZ-P07-C021** | Agency telephone contact | Calls must occur at reasonable hours; workplace contact follows a failed reasonable residence-contact attempt under this state rule. | S002, R20-4-1512(A), p.41/PDF42. **HR. This does not override C035’s federal workplace restriction.** |\n| **S_AZ-P07-C022** | Agency contacting friends, relatives, neighbors or employers | No prohibited debt disclosure, pressure request or request that a nonobligated third party pay. The rule separately preserves lawful postjudgment writ service. | S002, R20-4-1512(B)–(C), p.41/PDF42. **HR; writ procedures not analyzed.** |\n| **S_AZ-P07-C023** | Debtor tells agency of counsel and requests communication through counsel | Agency must stop direct and indirect debtor contact; the stated later-contact route is learning from the named lawyer that the lawyer does not represent the debtor. | S002, R20-4-1513(A), p.41/PDF42. **HR. Do not import the federal reasonable-nonresponse exception into this text.** |\n| **S_AZ-P07-C024** | Debtor gives written refusal-to-pay or cease notice | Agency stops contact subject to the state rule’s termination and customary-specified-remedy notices. A mailed notice becomes effective on agency receipt. | S002, R20-4-1513(B)–(D), p.41/PDF42. **HR. State exceptions must not be replaced wholesale with the federal list.** |\n| **S_AZ-P07-C025** | Agency’s initial debtor communication | Within five days, obtain and be able to provide creditor identity, creation time/place, exchanged goods/services/value, and placement date. | S002, R20-4-1514(A)(1)–(4), p.41/PDF42. **HR. This is not worded as the federal five-day notice.** |\n| **S_AZ-P07-C026** | Debtor seeks those specified records | Provide access; on request, provide without charge copies from agency records containing the listed information. | S002, R20-4-1514(B)–(C), p.41/PDF42. **HR; limited to the identified records, not universal discovery.** |\n| **S_AZ-P07-C027** | Debtor or debtor’s attorney requests evidence | Agency must supply copies of its evidence of the debt. | S002, R20-4-1521, opening sentence, p.43/PDF44. **HR. Text does not prescribe a universal original contract or notarized affidavit.** |\n| **S_AZ-P07-C028** | Agency has supplied evidence and receives a specified non-liability claim | Before continuing collection, investigate claimed misidentification, payment, bankruptcy discharge, or another reasonable claim that the debt is not owed. | S002, R20-4-1521(1)–(4), p.43/PDF44. **HR. No express writing/30-day prerequisite appears here; do not invent an immediate universal pause outside the stated sequence.** |\n| **S_AZ-P07-C029** | Actor subject to retained §32-1051(3) duty | Collection/attorney/court/expense charges require the statutory legal-chargeability or judicial-determination predicate. | S001, §32-1051(3), first sentence; §32-1004(A). **H. Express attorney carveout in that sentence; no fee amount or actual charge approved.** |\n| **S_AZ-P07-C030** | Licensee or actor subject to applicable retained statutory conduct clauses | Unfair collection and specified misleading notices, false legal-department claims and state-vouching representations are restricted. Attorney exceptions in paragraphs (3)–(5) must be respected individually. | S001, §32-1051(3), second sentence, (4)(a)–(e), (5), (6); §32-1004(A). **H; not a blanket attorney immunity or coverage finding.** |\n| **S_AZ-P07-C031** | Covered agency demanding an added fee | R20-4-1509(A) prohibits threatening or attempting charges the debtor is not obliged to pay under the contract with the agency’s creditor client. | S002, R20-4-1509(A), p.40/PDF41. **HR. Federal agreement-or-law language does not itself resolve a disputed state charge route.** |\n| **S_AZ-P07-C032** | Actor using claim-sale publicity to coerce payment | Coercive advertising/threatened advertising of claims for sale is prohibited, subject to the stated assignee-for-creditors/court-order exceptions. | S001, §32-1055(C), as retained by §32-1004(A). **H; actual exception facts held.** |\n\n## 2.3 Federal contact, conduct and reporting\n\n| Claim ID | Actor / predicate | Required act, trigger or consequence | Exact authority; exceptions and confidence |\n| --- | --- | --- | --- |\n| **S_AZ-P07-C033** | Covered collector communicating or attempting contact | Actual knowledge of inconvenience matters. Absent contrary knowledge, the ordinary time assumption is after 8 a.m. and before 9 p.m. at the consumer’s location. | S014, §1692c(a)(1); S016–S017, §1006.6(b)(1), commentary. **H; not permission for every daytime contact.** |\n| **S_AZ-P07-C034** | Email/text or uncertain location | Electronic-contact time is assessed when sent. Where available information creates conflicting time-zone possibilities, the commentary requires a time convenient under all implicated locations. | S017, comments 6(b)(1)-1 through -4. **H; actual location/knowledge held.** |\n| **S_AZ-P07-C035** | Collector knows or has reason to know employer prohibits the contact | Workplace communication/attempt is prohibited, subject to the specific direct-consent/court exceptions. | S014, §1692c(a)(3); S017, §1006.6(b)(3)–(4), comment 6(b)(3)-1. **H. Failed home contact does not cure this.** |\n| **S_AZ-P07-C036** | Collector knows representation concerning the debt and knows/can readily ascertain counsel’s name/address | Direct debtor contact is restricted; federal exceptions include counsel’s consent or failure to respond within a reasonable period. | S014, §1692c(a)(2); S017, §1006.6(b)(2). **H; “reasonable” is not a fixed number established here; C023 remains separate.** |\n| **S_AZ-P07-C037** | Collector invokes consent or court permission | Consent must be given directly to this collector under the prescribed conditions; creditor/prior-collector consent does not automatically suffice. Known inconvenient contact cannot be prolonged by asking consent to continue it. | S017, §1006.6(b)(4), comments 6(b)(4)(i)-1–2. **H; actual consent/order held.** |\n| **S_AZ-P07-C038** | Communication with someone other than the consumer | Only listed recipients and specific exceptions qualify. Spouse/minor-parent/guardian/estate-representative treatment for this section does not itself impose debt liability on them. | S014, §1692c(b), (d); S017, §1006.6(a), (d)(1)–(2). **H. Location, direct consent, court and necessary postjudgment exceptions remain bounded.** |\n| **S_AZ-P07-C039** | Collector seeks location information | Identify the individual caller; identify employer only if asked; do not reveal the debt. Generally contact the person once, subject to the specified request/correction exceptions; counsel knowledge limits this route. | S013, §§1692a(7), 1692b(1)–(6); S017, §1006.10(a)–(f). **H.** |\n| **S_AZ-P07-C040** | Consumer sends written refusal/cease notice, including accepted electronic writing | Receipt triggers the communication/attempt prohibition, subject to termination, ordinarily invoked specified remedies, and intended specified-remedy notices. | S014, §1692c(c); S017, §1006.6(c), comment 6(c)(1)-1–2. **H; no automatic debt cancellation.** |\n| **S_AZ-P07-C041** | Consumer initiates a response after a restriction | A limited response can be permissible within the initiating request. It does not generally authorize future unrelated contacts or erase known representation. *Clark* requires a bounded waiver analysis. | S017, comments 6(b)(1), 6(b)(2); S030, majority §I, cease-contact discussion. **H/L; scope and recipient facts matter.** |\n| **S_AZ-P07-C042** | Collector’s cumulative conduct toward any person | Harassment/oppression/abuse prohibitions apply beyond numerical telephone presumptions, including threats of violence and obscene or abusive language. | S013, §1692d and (1)–(6); S017, §1006.14(a), (c)–(g). **H.** |\n| **S_AZ-P07-C043** | Collector represents amount, identity, status or consequences | False amount/status, government or attorney identity, simulated process, and threats of action unlawful or not intended are prohibited. A transfer cannot falsely be said to eliminate defenses. | S013, §1692e(1)–(7), (9)–(10), (13), (16); S017, §1006.18(a)–(d). **H; truth and legal entitlement are actual-fact questions.** |\n| **S_AZ-P07-C044** | Initial and later covered communications | Initial disclosure identifies debt collection and intended use of information; initial oral contact requires the prescribed first-written disclosure too. Later communications identify the collector. Formal pleadings have a narrow disclosure exception. | S013, §1692e(11); S017, §1006.18(e). **H; not a blanket pleading exemption from all law.** |\n| **S_AZ-P07-C045** | Collector demands interest, fee or incidental charge | Amount must be expressly authorized by the agreement creating the debt or permitted by law. Listing it in a notice does not authorize it. | S013, §1692f(1); S017, §1006.22(a). **H; agreement/law and Arizona C029/C031 remain unproved.** |\n| **S_AZ-P07-C046** | Collector accepts or uses postdated payment instrument | A date more than five days ahead invokes the specified advance-deposit notice; Regulation F counts that notice’s 3–10-day interval excluding Saturdays, Sundays and §6103(a) holidays. Early deposit and criminal-prosecution solicitation are separately restricted. | S013, §1692f(2)–(4); S017, §1006.22(b)(1)–(3); S023. **H; no instrument or payment modeled.** |\n| **S_AZ-P07-C047** | Collector communicates credit information it knows or should know is false | Failure to communicate that a known disputed debt is disputed can violate the provision. The dispute need not satisfy the written-validation-pause predicate to matter here. | S013, §1692e(8); S017, §1006.18(c)(2); S029, Discussion. **H/L; full FCRA obligations deferred.** |\n| **S_AZ-P07-C048** | Collector furnishes to a consumer reporting agency | First speak with the consumer or send a debt communication and reasonably wait/monitor for undeliverability. The commentary treats 14 consecutive days as reasonable, not a universal statutory deadline. A specified check-writing-specialty exception exists. | S017, §1006.30(a)(1)–(2), comments 30(a)(1)-1–3; S013, §1681a(f), (x)(3). **H; no furnishing clearance.** |\n\n## 2.4 Calls, voicemail and electronic channels\n\n| Claim ID | Actor / predicate | Required act, trigger or consequence | Exact authority; exceptions and confidence |\n| --- | --- | --- | --- |\n| **S_AZ-P07-C049** | Collector places calls to a person concerning a particular debt | More than seven counted calls in seven consecutive days, or a call within the post-conversation period, creates a rebuttable violation presumption. Staying below both creates only the specified rebuttable frequency presumption. | S017, §1006.14(b)(1)–(2), associated comments. **H; not a universal cap or safe harbor.** |\n| **S_AZ-P07-C050** | Telephone conversation about the debt occurs | Conversation date is day one of the seven-consecutive-day period. A consumer-initiated conversation can trigger it even though it is not an outgoing placed call. | S017, §1006.14(b)(2)(i)(B), comments on telephone conversations and counting. **H.** |\n| **S_AZ-P07-C051** | Particular outgoing call is classified | Busy/out-of-service unconnected calls are excluded; ringing unanswered and voicemail connections count. Calls to specified professional recipients are excluded from these frequencies. | S017, §1006.14(b)(3)(ii)–(iii), comments 14(b)(3)(ii)-1–2. **H; exclusions do not erase other restrictions.** |\n| **S_AZ-P07-C052** | Person directly consents to additional calls about a debt | Frequency exclusion lasts no more than seven consecutive days, counting consent day as day one, and can end sooner through narrower consent, revocation or the next conversation. | S017, §1006.14(b)(3)(i), comments 1–3. **H; cannot waive C033/C035/C061 by implication.** |\n| **S_AZ-P07-C053** | One person has several debts | Count by person and particular debt. A call/conversation concerning several debts can count for each; unconnected-to-content or general attempts must be allocated consistently with commentary, not ignored. | S017, §1006.14(b)(2), (4), associated multiple-debt comments. **H; limited student-loan grouping is a separate boundary.** |\n| **S_AZ-P07-C054** | Collector leaves a proposed limited-content message | It must be a voicemail for the consumer with a non-collection-indicating business name, reply request, natural-person contact name and return number. Only the listed optional salutation/time/callback/representative content may be added. | S017, §1006.2(j)(1)–(2). **H; email/text are not this voicemail category.** |\n| **S_AZ-P07-C055** | LCM reaches a known third party or contains extra collection detail | A knowingly third-party message or excess content does not qualify. A federal LCM remains an attempt and does not resolve Arizona’s role-identification rules. | S017, comments 2(j)-1–3; S002, R20-4-1507, -1520(B). **H federally; Arizona harmonization Hold.** |\n| **S_AZ-P07-C056** | Collector relies on email/text third-party-disclosure procedures | Reasonably confirm and document the specified address/number route and avoid a destination known to have caused prohibited disclosure. These are procedures relevant to a bona fide-error defense, not blanket authorization or automatic immunity. | S017, §1006.6(d)(3); S013, §1692k(c). **H; intent, procedures and evidentiary burden remain fact dependent.** |\n| **S_AZ-P07-C057** | Email route rests on consumer or prior collector | Consumer debt-related use/no opt-out or direct unwithdrawn consent can supply a route. Prior-collector route additionally requires qualifying acquisition and actual use by the immediately prior collector, without opt-out. | S017, §1006.6(d)(4)(i), (iii), comments. **H; C056 and disclosure-delivery duties remain separate.** |\n| **S_AZ-P07-C058** | Email route rests on creditor transfer notice | Requires creditor acquisition/use, specified advance notice, at least 35 days to opt out, expiration without opt-out, and the qualifying public-domain/non-employer conditions. | S017, §1006.6(d)(4)(ii)(A)–(E). **H; an address transferred in a data file alone does not establish the route.** |\n| **S_AZ-P07-C059** | Text-message route | Requires qualifying prior text use or direct consent, no withdrawal/opt-out, and the prescribed 60-day recent-text/consent or reassignment-confirmation condition. A voice call alone does not establish the prior-text route. | S017, §1006.6(d)(5)(i)–(ii), comments. **H; no database or number queried.** |\n| **S_AZ-P07-C060** | Electronic communication/attempt to an address or number | Include a clear, conspicuous, reasonable and simple opt-out method. Do not impose a fee or demand unnecessary information beyond the preference and destination. | S017, §1006.6(e), commentary. **H.** |\n| **S_AZ-P07-C061** | Consumer requests no contact through a medium/address | Oral requests can trigger the medium restriction. An address-specific opt-out applies to that collector’s use of that address across debts; narrow confirmation, consumer-initiated-response and legally required-medium exceptions remain. | S017, §1006.14(h)(1)–(2), commentary. **H; stopping one channel is not necessarily an all-channel cease notice.** |\n| **S_AZ-P07-C062** | Collector knows an email address is employer provided | Use is generally prohibited except the specified consumer/prior-collector routes. Creditor-transfer procedures do not authorize known workplace email. | S017, §1006.22(f)(3); §1006.6(d)(4)(i), (iii). **H; actual knowledge/route held.** |\n| **S_AZ-P07-C063** | Social-media or postal collection contact | Publicly visible social-media contact is restricted. Private messaging still faces other requirements. Postcards and collection-revealing envelope markings have separate prohibitions. | S013, §1692f(7)–(8); S017, §1006.22(f)(1)–(2), (4). **H; no TCPA/privacy/FCRA clearance.** |\n\n## 2.5 Initial validation, disputes, verification and resumption\n\n| Claim ID | Actor / predicate | Trigger, required step, clock or consequence | Exact authority; exceptions and confidence |\n| --- | --- | --- | --- |\n| **S_AZ-P07-C064** | Collector makes its initial covered communication | Provide complete validation information in that communication or send the required notice within five days. Complete oral initial information is a regulatory route; payment before the follow-up notice becomes due is an exception. | S013, §1692g(a); S017, §1006.34(a)(1)–(2). **H. No universal “five business days” substitution established.** |\n| **S_AZ-P07-C065** | A new collector takes over the account | Its own initial covered communication triggers its notice obligation; a predecessor’s notice is not a universal substitute. | S028, pp.25–26/PDF24–25; S017, §1006.34(b)(2). **L/H.** |\n| **S_AZ-P07-C066** | First contact is a formal pleading or specified mandatory noncollection notice | Formal pleadings and the specified noncollection tax/financial-privacy/breach notices are excluded from the initial-communication trigger. | S013, §1692g(d)–(e); S017, §1006.34(b)(2)(i)–(iii), commentary. **H; no general litigation immunity.** |\n| **S_AZ-P07-C067** | Collector supplies validation information | Required fields include collector/consumer information, dispute mailing address, account identifier, current creditor, amount information, rights and response prompts. Itemization-date creditor and CFPB-site fields have the consumer-financial-product qualification. | S017, §1006.34(c)(1)–(4); S022. **H; itemization-date creditor is not necessarily original creditor.** |\n| **S_AZ-P07-C068** | Collector selects an itemization reference | Choose an ascertainable last-statement, charge-off, last-applied-payment, transaction or judgment date and use it consistently. A successor can choose another permitted reference. | S017, §1006.34(b)(3)(i)–(v), comments 34(b)(3)-1–2. **H; this selection does not determine limitation accrual.** |\n| **S_AZ-P07-C069** | Collector itemizes the balance | Disclose the reference-date amount, subsequent interest/fees/payments/credits and current amount; required zero categories are not simply omitted. Itemization does not prove ownership or authorize an added charge. | S017, §1006.34(c)(2)(vi)–(ix), commentary; C045. **H; accounting truth remains unverified.** |\n| **S_AZ-P07-C070** | Validation information is provided | Period begins when provided and ends 30 days after actual or assumed receipt. Assumed receipt may be at least five days later, excluding Saturdays, Sundays and §6103(a) holidays. | S017, §1006.34(b)(5); S023. **H; the exclusion applies to this receipt calculation, not every clock.** |\n| **S_AZ-P07-C071** | Actual receipt differs or original notice is undelivered | Commentary permits the calculated assumed-receipt endpoint despite later learning a different actual receipt date. A replacement notice after nonreceipt/no other validation information requires an updated period. | S017, comments 34(b)(5)-1–2. **H; disputed endpoint litigation and actual delivery evidence held.** |\n| **S_AZ-P07-C072** | Consumer timely submits written request for original-creditor identity | Upon receipt, collector must cease collection until it sends the name and address using the required delivery method. | S013, §1692g(a)(5), (b); S017, §1006.38(c)(1), §1006.42. **H; information obtained internally is not enough.** |\n| **S_AZ-P07-C073** | Original and current creditor are the same | Collector may reasonably determine that identity, send a written/electronic statement of that fact and refer to previously supplied validation information. | S017, §1006.38(c)(2). **H; unsupported assertion or silence does not satisfy the alternative.** |\n| **S_AZ-P07-C074** | Consumer disputes orally | Oral dispute is recognized for §1692g(a)(3) and can matter to disputed reporting, but does not by itself invoke the statutory written-dispute verification pause. | S029, Discussion/Conclusion and fn.4; S013, §§1692g(a)(3)–(5), (b), 1692e(8). **L/H; Arizona C028 may independently matter.** |\n| **S_AZ-P07-C075** | Historical notice implies, rather than expressly states, a writing condition | *Riggs* distinguished *Camacho* and upheld the particular notice against the preserved theory. It does not approve any current notice or eliminate Regulation F’s fields. | S031, Parts III.A–C, IV, pp.6534–6538/PDF8–12. **L; historical version/posture limitation.** |\n| **S_AZ-P07-C076** | Collector receives a dispute submitted in writing within the validation period | Stop collection of the debt or disputed portion until the qualifying verification/judgment response is sent. | S013, §1692g(b); S017, §1006.38(d)(2)(i), §1006.42. **H; submission/receipt and disputed portion require proof.** |\n| **S_AZ-P07-C077** | Consumer makes the required written submission | Mail, response form, accepted electronic medium, courier or personal delivery can qualify. Consumer electronic writing is not conditioned on obtaining the consumer’s own E-SIGN §101(c) disclosure consent. | S017, comments 38-1–2; S020 corrected reference; S013, §7001(a)–(b). **H; collector must actually accept that electronic medium.** |\n| **S_AZ-P07-C078** | Timely written dispute remains unanswered | The researched provisions do not establish a general 30-day collector-response deadline. The collection pause persists absent the qualifying response; silence does not cancel the debt. | S013, §1692g(b); S017, §1006.38(d)(2). **H, limited to these provisions.** |\n| **S_AZ-P07-C079** | Collector asserts a duplicate dispute | It must reasonably meet the same-prior-timely-dispute/already-answered/no-new-material-information conditions. Collection pauses until the reasoned duplicate notice with prior-response reference, or verification, is sent. | S017, §1006.38(a)(1), (d)(2)(ii), comments. **H; a new canceled check can be material.** |\n| **S_AZ-P07-C080** | Collector sends required disclosures | Delivery must reasonably be expected to give actual notice in a retainable, later-accessible form. Known undeliverability defeats that attempt; last-known-address mail has a qualified safe harbor. | S017, §1006.42(a)(1), comments 1–4. **H. §42(a)(2) narrowly excepts certain standalone identity/opt-out disclosures.** |\n| **S_AZ-P07-C081** | Required follow-up notice or verification/original-creditor response is sent electronically | §42(b) invokes E-SIGN §101(c) for the listed follow-up and response disclosures. It does not list an initial electronic validation notice or the duplicate-notice alternative in the same way; other delivery/contact duties still apply. | S017, §1006.42(b); §§1006.34(a)(1)(i)(B), .38(c), (d)(2)(i), (ii)(A). **H; no blanket electronic-contact permission.** |\n| **S_AZ-P07-C082** | Collector relies on E-SIGN consumer consent | Affirmative, unwithdrawn consent requires the statutory advance disclosures and electronic ability demonstration; withdrawal and material technology changes have specified consequences. | S013, §7001(c)(1)(A)–(D), (2)–(4), (6). **H; ordinary possession of an email address is insufficient.** |\n| **S_AZ-P07-C083** | Collector seeks to resume after verification/original-identity pause | Statute requires obtaining and mailing the qualifying material; Regulation F provides the compliant written/electronic sending route. Mere internal verification fails; universal actual reading/receipt is not the resumption trigger. | S013, §1692g(b); S017, §1006.38(c), (d)(2), §1006.42. **H; other stops and Arizona investigation remain.** |\n| **S_AZ-P07-C084** | Collector relies on *Clark* verification standard | Confirmation of the amount claimed, with the actual creditor information/itemized statement in that case, satisfied §1692g. It did not resolve separate misleading-amount liability or Arizona investigation duties. | S030, majority §I, verification paragraphs; S002, R20-4-1521. **L/HR; no universal original-contract, affidavit or trial-proof rule established.** |\n| **S_AZ-P07-C085** | Consumer does not dispute or collector supplies validation | Non-dispute is not a legal admission. Validation does not establish ownership, judgment-level proof or discharge status; a communication pause does not itself extinguish the obligation. | S013, §1692g(c); S017, §1006.38(d)(1); bounded inference from C067–C084. **H for non-admission; analytical boundary for remaining propositions.** |\n| **S_AZ-P07-C086** | Collection occurs during validation period | Activity must not overshadow or contradict dispute/original-creditor rights. The period alone is not an automatic collection moratorium; a qualifying pause or other restriction changes that. | S013, §1692g(b); S017, §1006.38(b), (c), (d). **H.** |\n| **S_AZ-P07-C087** | Collector uses a model notice or translation | Model Form B-1 is optional and supplies only the stated information/format/overshadowing safe harbors when properly used. Translation must meet applicable accuracy/consistency conditions. | S017, §1006.34(d)–(e), §1006.38(b)(2). **H text; actual B-1 image/form inspection held.** |\n| **S_AZ-P07-C088** | Consumer also faces a suit or limitation question | Validation/dispute provisions do not themselves calculate an answer deadline, extend a court deadline, determine claim accrual or decide standing. No such actual calendar is resolved here. | S013, §1692g; S017, §§1006.34, .38, .30(d)(3); express scope boundary. **H as bounded non-determination; governing court/limitations bodies deferred.** |\n| **S_AZ-P07-C089** | Consumer seeks public information/complaint route | CFPB’s public page identifies debt-collection complaints and routing. Submitting a complaint is distinct from a qualifying dispute or court response. | S032, complaint subjects/process; C072/C076/C088. **H guidance; nothing submitted. AG route held under S033.** |\n\n## 2.6 Version, effective-date and interpretation limits\n\n| Claim ID | Predicate | Finding | Authority / confidence |\n| --- | --- | --- | --- |\n| **S_AZ-P07-C090** | Current Arizona conduct numbering | 2022 ch.59 §§51/53 amended §§32-1004/1051; March 24 approval differs from September 24 effectiveness. Current §1004(D) retains one older “2 through 7” reference; no nonexistent current paragraph 7 is invented. | S001, S004–S006. **H text; authoritative cleanup/harmonization of that residual reference not established.** |\n| **S_AZ-P07-C091** | Selected Arizona statutory currentness | Inspected 2023–2026 TOSA ranges, election index and relevant delayed-date list did not identify changes to the four selected sections. | S007–S012. **H for index observations; bounded, not an all-law certificate.** |\n| **S_AZ-P07-C092** | Relevant 2023 Arizona rule amendment | Final notice specifies October 2, 2023 effectiveness, distinct from September 1 publication. | S003, item 3, p.1961/PDF46; operative rule pages. **H.** |\n| **S_AZ-P07-C093** | Arizona rule currentness after posted supplement | Supplement 25-4 supplies the read text; failed 2026 Register routes prevent exhaustive later-rule reconciliation. | S002, S034. **HR/P.** |\n| **S_AZ-P07-C094** | Modern Regulation F communication/validation requirements | The 2020 and 2021 final rules identify November 30, 2021 commencement. The fictional 2026 models are later; no pre-effective retroactive notice conclusion is made. | S018–S019, DATES. **H.** |\n| **S_AZ-P07-C095** | Later federal technical amendments | 2022 corrections became effective November 1, 2022; relevant 2023 contact changes became effective April 19, 2023. The §38 mirror’s internal-reference typo is not used to alter electronic-submission rights. | S020–S021; S016–S017. **H.** |\n| **S_AZ-P07-C096** | Source currency versus access | OLRC states October 15, 2026 law currency; eCFR displays October 23 Title 12 currency; actual research access was October 27 Pacific. These are different dates. Individual opening times remain unknown. | S013, S016; research access record. **H within recorded limits.** |\n| **S_AZ-P07-C097** | Judicial authority and later treatment | Only identified published majority holdings are relied on. *McAdory*’s treatment of *Henson* and *Riggs*’s treatment of *Camacho* were read. No complete citator, all-later-treatment, Arizona-state-court binding-status or unpublished-citation certification is made. | S024–S031 and bounded official searches. **L; no unpublished opinion used.** |\n\n# 3. What the published decisions actually establish\n\nThis table records posture and holding separately from the legal propositions above.\n\n| Decision / claims | Material facts and posture actually read | Majority holding and disposition | Limit that matters here |\n| --- | --- | --- | --- |\n| **Henson — C009** | Purchaser sought to collect defaulted automobile debts it owned; dismissal was under review. | Supreme Court affirmed the result under the owed-another branch. Acquisition after default did not itself make own-account collection collection for another. | Principal-purpose question expressly reserved. No blanket debt-buyer exemption. S024, slip p.3 and pp.5–11. |\n| **McAdory — C010** | Complaint alleged a debt buyer’s business centered on collecting purchased retail debt through third-party collectors; district court dismissed. | Published majority reversed/remanded: outsourcing did not avoid principal-purpose classification on the alleged facts. | Pleading-stage actor holding, not final proof of every alleged act or vicarious liability. Majority distinguished *Henson*. S025, pp.11–17. |\n| **Heintz — C011** | Lawyer’s automobile-debt collection activity included litigation and a settlement communication; the district court had recognized an attorney exclusion. | Supreme Court affirmed reversal of the exemption-based dismissal; regular litigation collection can fall within the Act. | It does not make every legal communication unlawful. Later statutory pleading exceptions must be separately applied. S026, pp.292–299. |\n| **Obduskey — C012** | Firm undertook Colorado nonjudicial foreclosure steps; dismissal and appellate affirmance were reviewed. | Supreme Court affirmed the limited-purpose treatment for the conduct at issue. | Ordinary money collection, other collector business and reserved judicial-foreclosure questions cannot be collapsed into that holding. S027, slip pp.12–14. |\n| **Hernandez — C065** | An automobile-debt collector was followed by a law firm whose initial communication did not supply the required validation protections. Summary judgment favored the law firm. | Ninth Circuit reversed/remanded; the successive collector’s own initial communication triggers §1692g. | Collector status was conceded; this was not a general agency/exemption determination. S028, pp.25–26. |\n| **Camacho — C074** | A consumer-debt letter expressly required all disputes to be written. Denial of dismissal was certified for interlocutory review. | Ninth Circuit affirmed and remanded: §1692g(a)(3) does not impose that universal writing condition. | Written steps remain necessary for the specific verification/original-creditor pause. Footnote 4 reserved a further question about affirmative rights arising from oral dispute. S029, Discussion, Conclusion, fn.4. |\n| **Clark — C041/C084** | Disputed medical billing; itemized creditor information; a cease-contact direction followed by the consumer’s request to the collector’s lawyer. Cross-summary-judgment rulings were reviewed. | Affirmed in part, reversed in part, remanded. The actual verification satisfied §1692g; cease-contact waiver required a knowing, voluntary, limited analysis, with disputed facts concerning another actor’s callback. | Verification did not dispose of the separate false-amount theory. The dissent’s broader waiver view is not the majority rule. Arizona R20-4-1521 was not resolved. S030, majority §I and disposition. |\n| **Riggs — C075** | Undisputed automobile-deficiency collection; notice placed written-verification language beside a general response statement. Partial summary judgment for collector was appealed. | Ninth Circuit affirmed the preserved theory: the assumed implication did not equal *Camacho*’s express written-only condition. Other challenges were not preserved. | Historical notice and preserved claims only; no present Regulation F form approval. S031, Parts III–IV, pp.6534–6538/PDF8–12. |\n\nThe two Justia sources are disclosed **reproductions of primary opinions** after failed official routes. Their headnotes, summaries and metadata were not substituted for holdings. Precedents quoted within these opinions were not treated as separately opened authorities.\n\n# 4. Eighteen fictional actor/channel/workflow postures\n\nEach posture is new and hypothetical. “Potentially qualifies” means the stated legal predicate is illustrated, not that an actual collection act is authorized.\n\n| Posture | Fictional facts | Conditional result and adverse branch | Claim references |\n| --- | --- | --- | --- |\n| **P01 — Original creditor** | A household-services seller calls about its own invoice using its true name. | The owed-another branch is not established merely by the call. A different-name collection operation or different principal-purpose facts require another analysis. Arizona/general consumer law is not cleared. | C001, C003–C004, C013–C014 |\n| **P02 — Outsourcing buyer** | A purchaser’s alleged principal business is buying household debts and earning receipts through hired collectors. | Outsourcing does not remove the principal-purpose inquiry. Actual business evidence and responsibility for a particular message remain unproved. | C009–C010 |\n| **P03 — Purchase after default** | A business owns a purchased defaulted account, but its principal purpose and regular activities are unknown. | Defaulted purchase alone supplies neither a universal exemption nor complete coverage. | C003, C007, C009–C010 |\n| **P04 — Servicer timing** | One servicer obtained account A before default and account B after default. | The nondefault-at-obtaining exclusion can matter to A; B requires full actor testing. A database’s “default” label is not conclusive evidence. | C007 |\n| **P05 — Affiliate** | A shared-services company collects only family-company accounts. | Federal affiliate exclusion still requires that its principal business not be debt collection. Arizona’s institutional-affiliate conditions are different. | C006, C014 |\n| **P06 — Employee or contractor** | An individual works under a regular salary for a creditor; another is an independent contractor using a collection trade name. | Employment, creditor-name and actual role predicates distinguish them. Labels do not settle either jurisdiction’s classification. | C004–C005, C014 |\n| **P07 — Lawyer versus security-only firm** | One lawyer regularly demands consumer payments; another performs only the described nonjudicial-security steps. | *Heintz* and *Obduskey* address different predicates. Adding an ordinary money demand can require fresh analysis. | C011–C012 |\n| **P08 — Mixed-purpose account** | Equipment is used partly at home and partly in a business. | Federal primary-purpose classification requires facts; Arizona’s general definition does not automatically adopt the federal restriction. | C001, C013 |\n| **P09 — Counsel known** | Consumer identifies counsel and asks an Arizona agency to communicate through counsel. | State stop-contact text applies if the agency is covered. Federal counsel exceptions do not automatically override the state rule. | C023, C036–C037 |\n| **P10 — Workplace ban** | Consumer says personal collection calls are prohibited at work; home calls were unanswered. | The failed-home-attempt condition does not remove the federal known-employer prohibition. | C021, C035 |\n| **P11 — Friend contacted** | Collector asks a friend for a current address. | A compliant location inquiry differs from revealing a balance or asking the friend to pressure payment. Repeated contact requires a stated exception. | C022, C038–C039 |\n| **P12 — Voicemail** | Collector proposes a voicemail with only federal LCM fields. | It may satisfy the federal content category on the assumed facts. Arizona role-identification compatibility remains unresolved; no production script is approved. | C018, C054–C055 |\n| **P13 — Two debts, one person** | Calls concern debts A and B; a later incoming conversation addresses both. | Counts and conversation restrictions must be reconciled separately for each debt. A small combined total does not eliminate the post-conversation presumption. | C049–C053; Model 2 |\n| **P14 — Electronic opt-out** | Consumer texts STOP but later emails a written request to an accepted address. | Text restriction remains. The consumer’s email does not automatically consent to a text response or satisfy the collector’s E-SIGN predicates. | C060–C062, C077, C081–C082 |\n| **P15 — Oral then written dispute** | Consumer first orally says the bill was paid, then timely sends a written dispute. | Oral dispute has legal significance; the federal written pause begins on receipt of the qualifying submission. Arizona investigation duties are separately tested. | C028, C047, C074, C076 |\n| **P16 — Original identity and successor** | A successor collector receives a timely written request for the original creditor’s name/address. | Its own notice duty and the identity-request pause must be satisfied. Naming the current creditor without the prescribed same-creditor determination is insufficient. | C065, C072–C073 |\n| **P17 — Silence or late request** | Consumer remains silent, then requests information after every assumed candidate period has expired. | Silence is not admission. The special timely-written federal pause is not established by these facts; state information duties and other prohibitions still require testing. | C025–C028, C076, C085 |\n| **P18 — Paid, mistaken identity or discharged** | Consumer asserts mistaken identity, prior payment or discharge, but no underlying records are supplied in this hypothetical. | Covered Arizona agency must follow its evidence/investigation rule. The allegation does not itself establish payment, discharge, ownership or eligibility. | C027–C028, C084–C085 |\n\n# 5. Four worked event and timing examples\n\n## Shared assumptions\n\nThese are **conditional chronology models**, not actual filing calendars or collection permissions.\n\n- Each debt is assumed to be an ordinary personal/family/household obligation.\n- Federal collector status is stipulated solely for the model. Arizona-rule observations additionally assume a covered Arizona agency.\n- No actual court order, pending case, contractual waiver, bankruptcy status, actor exemption, time-zone fact or communication record has been established.\n- **Balance = B throughout.** No interest, fee, payment, credit or settlement is modeled. Therefore change in consumer payments = 0; change in collector receipts = 0; change in balance = 0. Sending a notice is not a payment.\n- Dates are fictional **2026** dates. Integer day counting needs no rounding.\n- The initial five-day dispatch rule, five-day assumed-receipt calculation, 30-day validation period and seven-day telephone presumptions are kept separate.\n- Models deliberately avoid deciding a last-day mailing-versus-receipt controversy or importing court weekend/holiday extensions.\n\n## Model 1 — Initial contact, dispatch, assumed receipt and a returned notice\n\n**Authority:** C064, C070–C071, C080; S013 §1692g(a); S017 §1006.34(a), (b)(5), comments 34(b)(5)-1–2; S023 §6103(a).\n\n**Base sequence**\n\n1. **Monday, March 2:** first covered oral communication. Complete validation information is not supplied.\n2. **Tuesday, March 3:** a proper paper notice is mailed to the correct address. This is one day after the initial contact, avoiding a contested five-day endpoint.\n3. For the earliest permitted assumed-receipt date, count after March 3:\n\n| Date | Treatment | Running counted days |\n| --- | --- | --- |\n| Wednesday, March 4 | Count | 1 |\n| Thursday, March 5 | Count | 2 |\n| Friday, March 6 | Count | 3 |\n| Saturday, March 7 | Exclude | 3 |\n| Sunday, March 8 | Exclude | 3 |\n| Monday, March 9 | Count | 4 |\n| Tuesday, March 10 | Count | 5 |\n\nNo §6103(a) holiday occurs in this interval.\n\n**Conditional result:** Assumed receipt = **March 10**. The regulatory period starts when information is provided, here March 3, and ends 30 days after the selected receipt date.\n\nPlain-text arithmetic:\n\n- March 11–31 = 21 calendar days.\n- April 1–9 = 9 calendar days.\n- 21 + 9 = 30.\n- Calculated assumed-receipt endpoint = **Thursday, April 9**.\n\n**Actual-receipt branch:** If actual receipt was March 9, arithmetic using actual receipt produces **Wednesday, April 8**. Comment 34(b)(5)-1 permits the collector’s calculated assumed-receipt endpoint despite later learning a different receipt date. A dispute submitted and received **March 18** is deliberately inside both calculations; this example does not adjudicate a contested last-day submission.\n\n**Adverse delivery branch:** Suppose the March 3 notice is returned undelivered on March 6 and the consumer received no validation information elsewhere. A correctly addressed replacement is sent **Tuesday, March 10**.\n\n- Count March 11, 12, 13 = days 1–3.\n- Exclude March 14–15.\n- March 16 = day 4; March 17 = day 5.\n- New assumed receipt = **March 17**.\n- March 18–31 = 14 days; April 1–16 = 16 days.\n- 14 + 16 = 30.\n- Updated endpoint = **Thursday, April 16**.\n\nThe replacement calculation does not establish that the original delivery complied with the initial five-day duty or erase any earlier violation. Actual address, delivery and notice-content facts remain necessary. [Consumer Financial Protection Bureau+1](https://www.consumerfinance.gov/rules-policy/regulations/1006/34/?utm_source=chatgpt.com)\n\n## Model 2 — Complete call ledger, two debts and the conversation restriction\n\n**Authority:** C049–C053; S017 §1006.14(b)(2)–(4) and comments.\n\nAssume one consumer **P**, two distinct debts **A** and **B**, valid earlier validation, no pending dispute pause, no known counsel/workplace/medium restriction, and local times as shown. Each unanswered attempt is documented as concerning the specified debt.\n\n### Base ledger: March 2–8\n\n| Event | Date/time | Direction, person and debt | Connection/result | Frequency treatment |\n| --- | --- | --- | --- | --- |\n| 1 | Mon. March 2, 10:00 | Outgoing to P, A | Rings; unanswered | A +1 |\n| 2 | Mon. March 2, 15:00 | Outgoing to P, A | Busy; not connected | Excluded +0 |\n| 3 | Tue. March 3, 11:00 | Outgoing to P, A | Rings; unanswered | A +1 |\n| 4 | Tue. March 3, 16:00 | Outgoing to P, B | Rings; unanswered | B +1 |\n| 5 | Wed. March 4, 10:00 | Outgoing to P, A | Voicemail referring to A | A +1; content/privacy separately assumed compliant |\n| 6 | Thu. March 5, 11:00 | Outgoing to P, A | Rings; unanswered | A +1 |\n| 7 | Thu. March 5, 16:00 | Outgoing to P, B | Rings; unanswered | B +1 |\n| 8 | Fri. March 6, 10:00 | **Incoming** from P, A and B | Conversation about both | No outgoing-call increment; conversation trigger for A and B |\n\nReconciliation:\n\n- Physical outgoing attempts = **7**.\n- Counted outgoing calls = **6**.\n- Excluded unconnected attempt = **1**.\n- Debt A counted calls = **4**.\n- Debt B counted calls = **2**.\n- Incoming conversations = **1**, concerning both debts.\n\nConversation-period calculation:\n\n- March 6 = day 1.\n- March 7–12 = days 2–7.\n- March 13 is beyond this conversation’s seven-day period.\n\nThat last statement addresses only this presumption. It is not permission to call on March 13.\n\n### Adverse branch A — Low count, but conversation restriction\n\nAn unconsented call about A on **Monday, March 9** falls within March 6–12. It can trigger the violation presumption despite A’s count being below eight.\n\n### Adverse branch B — Four additional attempts\n\nInstead add these four separate calls:\n\n| Added event | Date/time | Person/debt | Result | Count |\n| --- | --- | --- | --- | --- |\n| B1 | Sat. March 7, 10:00 | P/A | Rings unanswered | A +1 |\n| B2 | Sat. March 7, 15:00 | P/A | Rings unanswered | A +1 |\n| B3 | Sun. March 8, 10:00 | P/A | Rings unanswered | A +1 |\n| B4 | Sun. March 8, 15:00 | P/A | Rings unanswered | A +1 |\n\nNow A = 4 + 4 = **8** in March 2–8; B remains **2**. Total physical outgoing attempts = **11**; counted = **10**; excluded busy attempt = **1**. The eighth A call exceeds seven, and all four added calls occur inside the post-conversation period. Weekend days are included in these consecutive-day calculations.\n\n### Consent branch — Separate alternative\n\nInstead, during the March 6 conversation P specifically requests **one A callback on March 9**. Assuming valid direct consent and no overriding restriction, that callback can qualify for the frequency exclusion.\n\nIf a conversation occurs on March 9:\n\n- The new conversation period runs March 9–15, counting March 9 as day 1.\n- The prior call consent ends with that conversation.\n- An unconsented March 10 call requires a new analysis and falls within the new conversation period.\n\nNone of these totals is a recommended contact volume. Harassment, content, privacy and state restrictions remain independently relevant. [Consumer Financial Protection Bureau+1](https://www.consumerfinance.gov/rules-policy/regulations/1006/14/?utm_source=chatgpt.com)\n\n## Model 3 — Oral dispute, written pause, verification obtained, verification sent\n\n**Authority:** C027–C028, C047, C074, C076–C084; S013 §1692g(b); S017 §§1006.38(d)(2), .42; S002 R20-4-1521.\n\nUse Model 1’s valid notice and nonboundary dates.\n\n1. **Thursday, March 12:** consumer orally says the debt was paid.This is not legally meaningless.It can affect disputed reporting and Arizona investigation duties.It does not alone establish the special federal written-dispute pause.\n2. **Monday, March 16:** consumer mails a written dispute.\n3. **Wednesday, March 18:** collector receives it.Both submission and receipt are comfortably within both Model 1 candidate periods.Federal pause begins on receipt, **March 18**.\n4. **Monday, March 23:** collector obtains creditor confirmation internally.Obtaining information without the required response does **not** end the pause.\n5. **Tuesday, March 24:** collector properly mails qualifying verification to the correct address, with no known delivery problem.\n6. **Friday, March 27:** consumer actually receives it.\n\n**Conditional positive branch:** The federal verification pause can end upon proper sending on **March 24**, rather than universally waiting until March 27. That assumes adequate verification and compliant delivery.\n\n**Adverse branches:**\n\n- If the Arizona agency has not completed the investigation required by R20-4-1521 after supplying evidence, federal sending alone does not resolve that state restriction.\n- If the collector knows the response is undeliverable, §1006.42’s delivery condition is not satisfied by the failed attempt.\n- If the dispute concerns only a genuinely separable portion, the statutory portion language matters; the example does not invent a separable amount.\n- A prior all-contact cease notice, counsel restriction or channel restriction is not erased by verification.\n- No general 30-day collector-response deadline, discharge, judgment proof or court-deadline extension is calculated.\n\nBalance remains **B**, with no payment or collector receipt. [Consumer Financial Protection Bureau+2](https://www.consumerfinance.gov/rules-policy/regulations/1006/38/?utm_source=chatgpt.com)\n\n## Model 4 — Invalid electronic follow-up, paper notice, text opt-out and original-creditor request\n\n**Authority:** C060–C062, C070, C072–C073, C077, C080–C083; S017 §§1006.6(e), .14(h), .34, .38(c), .42; S013 §7001(c).\n\n1. **Monday, March 2:** initial oral collection communication without complete validation information.\n2. **Tuesday, March 3:** collector emails the required follow-up notice, but lacks the necessary E-SIGN §101(c) consent.Ordinary email permission does not establish compliance for this designated follow-up disclosure.This model does not start a valid notice clock from that defective route.\n3. **Wednesday, March 4:** proper paper notice is sent, two days after initial communication.\n\nAssumed-receipt calculation:\n\n- March 5 = day 1; March 6 = day 2.\n- Exclude March 7–8.\n- March 9 = day 3; March 10 = day 4; March 11 = day 5.\n- Assumed receipt = **Wednesday, March 11**.\n- March 12–31 = 20 calendar days.\n- April 1–10 = 10 calendar days.\n- 20 + 10 = 30.\n- Calculated endpoint = **Friday, April 10**.\n\n1. **Monday, March 9:** consumer texts STOP through the existing text route.The destination/channel restriction applies.It is not necessarily an all-channel refusal or cease notice.\n2. **Wednesday, March 18:** consumer sends an original-creditor name/address request to an email address through which the collector accepts consumer communications; collector receives it that day.The consumer’s writing does not require the consumer to complete E-SIGN §101(c) formalities.The timely request triggers the original-creditor-information pause.\n3. **Friday, March 20:** collector obtains the information internally. Pause remains.\n4. **Monday, March 23:** collector properly mails the original-creditor information.\n5. **Wednesday, March 25:** consumer receives it.\n\n**Conditional result:** Proper sending on March 23 can satisfy this federal resumption condition, subject to other applicable restrictions.\n\n**Adverse branch:** Sending the required response only by text to the opted-out number, without the required electronic-disclosure predicates, does not establish compliant response. The consumer’s accepted email request does not authorize a text reply. If original and current creditor are the same, the collector must satisfy the reasonable-determination/notice/reference alternative; it cannot simply omit the response.\n\nNo debt ownership, fee entitlement or court deadline is established by this sequence. [Consumer Financial Protection Bureau+2](https://www.consumerfinance.gov/rules-policy/regulations/1006/6/?utm_source=chatgpt.com)\n\n# 6. Granular component coverage and exact remaining work\n\n**Status key:** **Answered** means the bounded legal question is supported by the identified bodies. **Partial** means text is established but an identified interpretation/currentness element remains. **Held** means necessary evidence was not obtained. **Deferred** means intentionally outside PASS-07. None is coordinator acceptance.\n\n## 6.1 Core actors, communications and channels\n\n| Coverage row | Requested issue | Status / claim references | Exact missing evidence or next action |\n| --- | --- | --- | --- |\n| **K01** | Personal/family/household debt | Answered — C001 | Actual transaction purpose remains unknown. |\n| **K02** | Business and mixed-purpose accounts | Partial — C001, C013 | Determine primary purpose from authorized facts; no inference from borrower identity. |\n| **K03** | Original creditor / false other name | Answered — C003–C004 | Actual name use and business model held. |\n| **K04** | Buyer: principal purpose versus owed another | Answered — C009–C010 | Actual operating evidence and responsibility for conduct held. |\n| **K05** | Servicer and default timing | Partial — C007 | Contract/default/acquisition facts and any disputed default construction remain. |\n| **K06** | Affiliate predicates | Answered — C006, C014 | Ownership, exclusive clientele and principal business unverified. |\n| **K07** | Employee versus contractor | Answered — C005, C014 | Employment relationship and name used unverified. |\n| **K08** | Attorney collection | Answered — C011, C014 | Actual regularity, role and state exemption conditions held. |\n| **K09** | Security-only versus money demand | Partial — C012 | Full foreclosure/repo and mixed-conduct classification deferred. |\n| **K10** | Arizona definition and retained exempt-actor conduct | Partial — C013–C014 | No actual licensing/exemption decision; P06 remains separate. |\n| **K11** | Remote Arizona contact | Partial — C015 | Responsive territorial/choice-of-law authority and actual contact facts remain. |\n| **K12** | Consumer, third parties and representatives | Answered — C001–C002, C038 | Actual representative authority and independent liability held. |\n| **K13** | State versus federal classification | Answered — C003, C013–C017 | No cross-regime exemption inferred. |\n| **K14** | Special statutory actor exclusions | Partial — C008, C017 | Full bad-check-program and special-sector cross-reference eligibility not established. |\n| **K15** | Time/place and consumer knowledge | Answered — C033–C034 | Actual location, knowledge and communication time held. |\n| **K16** | Workplace calls | Answered — C021, C035 | Employer policy, knowledge and specific consent/order held. |\n| **K17** | Known counsel | Partial — C023, C036 | State/federal distinctions established; actual representation and reasonable-response facts unknown. |\n| **K18** | Direct prior consent / court permission | Answered — C037 | Actual consent scope and court order unexamined. |\n| **K19** | Third-party collection disclosure | Answered — C022, C038 | Identity, obligation and exception facts held. |\n| **K20** | Location inquiry | Answered — C039 | Prior contacts, correction basis and counsel knowledge held. |\n| **K21** | Written cease / refusal and exceptions | Answered — C024, C040–C041 | Receipt, exact requested scope and any waiver facts held. |\n| **K22** | Harassment, deception and threats | Answered — C019–C020, C042–C043 | Actual words, pattern, intent and lawful-action basis held. |\n| **K23** | Added fees/interest | Partial — C029–C031, C045 | Actual contract/law basis and state-law-only charge reconciliation remain. |\n| **K24** | Postdated instruments | Answered narrowly — C046 | No instrument, deposit date or payment authorization examined. |\n| **K25** | Reporting known disputed debt | Answered narrowly — C047 | Actual reporting/knowledge and full FCRA duties deferred. |\n| **K26** | Contact before furnishing | Answered narrowly — C048 | Delivery/bounce monitoring and specialty-agency exception facts held. |\n| **K27** | Call-attempt classification | Answered — C049, C051 | Actual connected/unconnected records held. |\n| **K28** | Conversation and following period | Answered — C050 | Actual conversation subject and date held. |\n| **K29** | Call exclusions and consent | Answered — C051–C052 | Actual consent, expiration, recipient and revocation held. |\n| **K30** | Multiple-debt/person counts | Answered — C053; Model 2 | Actual allocation and any special grouping facts held. |\n| **K31** | Federal LCM contents | Answered — C054–C055 | Actual voicemail and intended recipient unknown. |\n| **K32** | LCM versus Arizona identification | **Held** — C018, C055 | Obtain authoritative responsive interpretation of R20-4-1507/-1520 and §1006.2(j); none opened in bounded official searches. |\n| **K33** | Email acquisition/transfer routes | Answered conditionally — C056–C058 | Procedures, notice, opt-out, domain and knowledge records held. |\n| **K34** | Text route / 60-day condition | Answered conditionally — C059 | Actual text/consent/reassignment evidence held; no database query made. |\n| **K35** | Electronic opt-out and oral medium stop | Answered — C060–C061 | Actual wording, destination and scope held. |\n| **K36** | Employer-provided email | Answered — C062 | Knowledge and qualifying route unverified. |\n| **K37** | Social media, postcards and envelopes | Answered narrowly — C063 | Actual visibility/content and other privacy laws deferred. |\n\n## 6.2 Validation and dispute workflow\n\n| Coverage row | Requested issue | Status / claim references | Exact missing evidence or next action |\n| --- | --- | --- | --- |\n| **K38** | Initial communication / five-day route | Answered — C064 | Actual first covered communication and completeness held; no contested five-day endpoint calculated. |\n| **K39** | Successive collector’s notice | Answered — C065 | Actual succession and communications held. |\n| **K40** | Formal pleading / mandatory-notice exclusions | Answered — C066 | Classify actual document; full litigation/bankruptcy branches deferred. |\n| **K41** | Required validation fields | Answered — C067 | Actual notice not inspected or approved. |\n| **K42** | Itemization-date choice and consistency | Answered — C068 | Actual reference-date records and amount ascertainability held. |\n| **K43** | Amount versus ownership/evidence | Answered boundary — C069, C084–C085 | Ownership chain and judgment-level evidence deferred. |\n| **K44** | Five-day assumed receipt / 30-day period | Answered — C070; Model 1 | Actual provision/receipt dates held. |\n| **K45** | Actual versus assumed receipt | Partial — C071 | Commentary read; disputed last-day submission/receipt litigation not resolved. |\n| **K46** | Wrong address, bounce and replacement | Answered — C071, C080 | Actual delivery records and earlier compliance consequences held. |\n| **K47** | Oral dispute | Answered — C074–C075 | No universal written-only rule; particular message and reporting facts held. |\n| **K48** | Timely written dispute / portion pause | Answered — C076–C078 | Actual submission, receipt, timeliness and separable disputed portion held. |\n| **K49** | Original-creditor identity request | Answered — C072–C073 | Actual original/current identity and response records held. |\n| **K50** | Duplicate disputes / new material information | Answered — C079 | Compare actual submissions and prior response; no duplicate finding here. |\n| **K51** | E-SIGN and accepted electronic writing | Answered — C077, C081–C082 | Actual consent, withdrawal, capabilities and accepted-medium records held. |\n| **K52** | Verification content | Partial — C084 | Bounded federal holding read; no universal evidentiary checklist or actual adequacy finding. |\n| **K53** | Arizona five-day information / free specified copies | Answered posted text — C025–C026 | Actor applicability and later-Register check remain. |\n| **K54** | Arizona evidence / investigation | Answered posted text — C027–C028 | Actual evidence, asserted grounds and investigation completion held. |\n| **K55** | Verification obtained versus sent/received | Answered — C083; Model 3 | Adequacy, proper delivery and independent restrictions held. |\n| **K56** | Silence, admission and extinguishment | Answered boundary — C078, C085 | Debt validity, payment and discharge remain unproved. |\n| **K57** | Overshadowing / ongoing collection | Answered — C086–C087 | Actual notice layout and surrounding conduct held; B-1 image not read. |\n| **K58** | Court deadlines and accrual distinguished | Deferred beyond boundary — C088 | Read applicable court rules/served documents or accrual authorities in separate passes; no actual calendar here. |\n\n## 6.3 Currentness, source failures and examples\n\n| Coverage row | Requested issue | Status / claim references | Exact missing evidence or next action |\n| --- | --- | --- | --- |\n| **K59** | Selected Arizona statute currentness | Partial — C091, C096 | Bounded TOSA checks completed; no all-enactment certificate. |\n| **K60** | 2022 enactment and renumbering | Answered — C090 | Residual §1004(D) cross-reference interpretation remains unestablished. |\n| **K61** | 2023 rule adoption / commencement | Answered — C092 | Earlier historical adoptions quoted in notes not separately reopened. |\n| **K62** | Post-Supplement-25-4 rule changes | **Held** — C093, S034 | Read accessible official cumulative Register index and responsive final notices. |\n| **K63** | Federal operative text / effective dates | Answered within sources — C094, C096 | No full all-litigation stay/vacatur certification. |\n| **K64** | Technical corrections / mirror error | Answered — C095 | Use corrected eCFR/final-notice cross-reference; do not copy mirror typo. |\n| **K65** | Published majority bodies and posture | Answered narrowly — C009–C012, C041, C065, C074–C075, C084 | Full subsequent-history research remains open. |\n| **K66** | Official opinion failures / reproductions | Partial — S029–S030 | Official files for these two opinions remain unobtained; disclosed opinion reproductions read. |\n| **K67** | Unpublished opinions / citation restrictions | Not invoked — C097 | No unpublished opinion relied on; if later used, first verify governing citation rule and format. |\n| **K68** | Federal whole-chapter and cross-reference failures | Resolved for material text — S013–S014, S023, S036–S037 | Failed editions themselves remain unread; no absence inference. |\n| **K69** | Arizona AG guidance route | **Held** — S033 | Obtain current accessible official page via a valid official index. |\n| **K70** | CFPB public information route | Answered as guidance — C089 | No complaint, account or submission made. |\n| **K71** | Model 1: notice/receipt chronology | Completed conditional example | Actual delivery facts and boundary disputes held. |\n| **K72** | Model 2: full call reconciliation | Completed conditional example | Actual logs, contents, consent and state compatibility held. |\n| **K73** | Model 3: oral/written/verification sequence | Completed conditional example | Actual dispute, evidence and investigation held. |\n| **K74** | Model 4: electronic delivery/opt-out/original identity | Completed conditional example | Actual E-SIGN and communication records held. |\n| **K75** | At least 12 distinct fictional postures | Completed: 18 postures | Examples are not eligibility or permission decisions. |\n\n## 6.4 Territory, forum and private-fact holds\n\n| Territory/fact row | Subject | Status / relevant claims | Exact missing evidence or next action |\n| --- | --- | --- | --- |\n| **T01** | Arizona statewide statutory/rule baseline | Partial — C013–C032, C090–C093 | Later-Register reconciliation and actual actor applicability remain. |\n| **T02** | Interstate/remote collection into Arizona | Held beyond bounded text — C015–C016 | Responsive jurisdiction, choice-of-law and contact facts required. |\n| **T03** | County court/local practice | Deferred — C088 | No county inventory or individual county rule/form validation performed in P07. Any relevant local rule requires its own official-body check. |\n| **T04** | Municipal/local ordinances and administrative practices | Held | No local conduct ordinance inventory verified; check the actual relevant locality only in an authorized later pass. |\n| **T05** | Tribal law, jurisdiction and sovereign actors | Held | No tribal code, agreement, status or jurisdictional facts researched. |\n| **T06** | Federal versus Arizona state-court precedent treatment | Partial — C097 | Federal published holdings identified; no separate state-court precedential-status dossier or forum selection. |\n| **T07** | Other states, territories and countries | Deferred | Federal definitions do not supply another jurisdiction’s complete conduct law. No country or parent acceptance. |\n| **T08** | Actual debt, contract, collector, consent, delivery and calendar facts | Held throughout | No private records queried. Any later application requires separately authorized evidence; none is inferred here. |\n\n## 6.5 Deferred families remain required work\n\n| Deferred row | Family | Boundary preserved | Exact later investigation |\n| --- | --- | --- | --- |\n| **D01** | Collection-agency licensing/security/application | P06 remains separate and unreviewed | Determine actual state license/exemption/security predicates in that component; no fees/bonds rerun here. |\n| **D02** | Debt-management/settlement/credit-repair/CROA models and fees | P01/P02 do not establish collector status | Separate provider-model, agreement, fee and federal ancillary-law investigations. |\n| **D03** | Full debt merits, validity, payment and identity theft | Validation is not adjudication | Obtain authorized merits evidence and applicable substantive law. |\n| **D04** | Service and venue | C088 boundary only | Read governing court rules/statutes and actual service facts. |\n| **D05** | Answers, default and vacatur | No live deadline calculated | Separate court-specific procedural investigation. |\n| **D06** | Standing, ownership chain and trial evidence | C069/C084 boundary only | Published evidentiary/standing authorities and actual admissible records. |\n| **D07** | Limitation, accrual, acknowledgment and revival | P05 not imported | Separate source-supported clock analysis. |\n| **D08** | Judgment duration, renewal and execution | No renewal premise | Separate judgment-enforcement gateway. |\n| **D09** | Earnings, bank accounts and property exemptions | P03/P04 not imported | Separate enforcement and exemption regimes. |\n| **D10** | Homestead, foreclosure, repossession and secured debt | C012 only | Full security-enforcement law and facts. |\n| **D11** | Damages, penalties, remedies and complete defenses | No amounts supplied | Separate statutory-remedy and controlling-case analysis; §1692k(c) used only for C056. |\n| **D12** | TCPA, DNC and automated-contact consent | Regulation F does not clear these | Fresh FCC/statutory/case research before any contact conclusion. |\n| **D13** | Full FCRA, reporting accuracy and reinvestigation | C047–C048 only | Full furnisher/CRA obligations and actual reporting facts. |\n| **D14** | Privacy, data security and recording laws | No privacy permission inferred | Applicable federal/state/local privacy and consent law. |\n| **D15** | Bankruptcy stay/discharge and military protections | Allegations do not establish status | Separate operative law, order/status and exception evidence. |\n| **D16** | Tax, support, student, medical, utilities and other special sectors | Ordinary consumer gateway only | Debt-specific statutes and regulations, including any special notice rules. |\n| **D17** | General Arizona consumer fraud and professional rules | Original-creditor/attorney exclusion is not general immunity | Separate statutes, professional rules and responsive holdings. |\n| **D18** | Contract defenses, arbitration and choice of law | No contract accepted or interpreted | Actual authorized agreement and governing-law research. |\n| **D19** | Minority, disability, government and special bad-check programs | No special eligibility finding | Read complete responsive cross-references and actual status predicates. |\n| **D20** | Full collector record-retention, supervision and enforcement procedures | Not established by these conduct excerpts | Separate operative administrative and federal recordkeeping analysis. |\n| **D21** | Complete state/country/parent dossier | All broader categories remain open | Separate focused passes and actual coordinator review; no A066/A097/A098 acceptance. |\n\n**Coverage counts are separate:** 75 component/workflow/currentness/example rows; 8 territory/private-fact rows; 21 deferred-family rows. The 18 postures, four models, eight opinion analyses and source/claim registers are not duplicate accepted coverage.\n\n# 7. Exact P01 deferred-row contribution crosswalk\n\nThe following provenance is **user-supplied**, including the coordinator review timestamp **2026-10-23T05:19:34.171103Z**. The coordinator review file was not freshly opened in this pass.\n\n| Original reviewed P01 topic | Original disposition and next action, preserved | Narrow P07 contribution | Status that 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”** | **“Excluded from completion of this pass; all remain open.”** **“Separate focused investigations are required. Nothing in this component supplies statewide or A066 acceptance.”** | Fresh communication/validation/dispute findings C001–C089, with version and authority limits C090–C097; corresponding K/T/D coverage rows. | Original parent row remains **component_partial_not_accepted_remaining_required_work** as supplied. P07 contributes only this narrow slice. P02 renewal and P03–P06 unreviewed work are neither resolved nor accepted here. |\n\n# 8. Researcher self-check\n\n**What was actually read.** This pass opened the identified Arizona statutory bodies, the material Article 15 definitions/conduct rules, the responsive 2023 final adoption, the 2022 enacted amendment portions, selected official sections-affected indexes, the material federal Code and Regulation F bodies and official interpretations, and the identified published opinion portions. The source register distinguishes entire material opinions from partial opinion readings. It also separates operative law from indexes and guidance.\n\n**What was not established.** The inaccessible 2026 Arizona Register routes prevent an exhaustive later-rule reconciliation. No authoritative body resolving Arizona identification duties against federal limited-content messaging was obtained. Current AG debt-collection guidance was not retrieved. Actual Model Form B-1 visual content was not inspected. No private actor, account, contract, default, representation, consent, delivery, court-calendar or discharge fact was verified.\n\n**Case-law limits.** The report uses majority holdings and their actual procedural posture. It identifies the two reproduction hosts and their failed official routes. It does not treat host summaries, dissenting propositions, allegations or quoted underlying precedents as separately verified holdings. No unpublished opinion is relied on. The specified later treatment was read; complete subsequent-history or citator clearance was not performed.\n\n**Timing and arithmetic.** The four models separate dispatch, receipt, validation, pause and telephone-count clocks. The call ledger reconciles every modeled attempt and conversation. No real deadline, payment, added fee, interest rate, monetary remedy or settlement is calculated.\n\n**Preserved holds.** Missing evidence is not treated as nonexistence, permission or repeal. The K/T/D tables state the exact next investigation for each remaining issue. Public complaint information was read without contacting anyone or submitting anything.\n\nThis is a researcher self-check, **not independent review**. It supplies no actual consumer/provider authorization or overall state/parent acceptance.\n\nEND S_AZ PASS-07.\n\n","tables":[{"headers":["Source ID","Issuer, document and direct literal HTTPS URL","Actual body read and exact location","Version, effect, status and limitations"],"index":0,"links":[{"href":"https://www.azleg.gov/ars/32/01001.htm?utm_source=chatgpt.com","text":"https://www.azleg.gov/ars/32/01001.htm"},{"href":"https://www.azleg.gov/ars/32/01004.htm?utm_source=chatgpt.com","text":"https://www.azleg.gov/ars/32/01004.htm"},{"href":"https://www.azleg.gov/ars/32/01051.htm?utm_source=chatgpt.com","text":"https://www.azleg.gov/ars/32/01051.htm"},{"href":"https://www.azleg.gov/ars/32/01055.htm?utm_source=chatgpt.com","text":"https://www.azleg.gov/ars/32/01055.htm"},{"href":"https://www.azleg.gov/arsDetail/?title=32&utm_source=chatgpt.com","text":"https://www.azleg.gov/arsDetail/?title=32"},{"href":"https://www.azleg.gov/ars/32/01001.htm?utm_source=chatgpt.com","text":"Definitions\n+4"},{"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/Title_20/20-04.pdf?utm_source=chatgpt.com","text":"apps.azsos.gov\n+1"},{"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/2023/35/contents.pdf?utm_source=chatgpt.com","text":"apps.azsos.gov\n+1"},{"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/55leg/2r/laws/0059.htm?utm_source=chatgpt.com","text":"H Ver of HB2612\n+2"},{"href":"https://www.azleg.gov/alisPDFs/council/TOSA_55th_2nd_Regular.pdf?utm_source=chatgpt.com","text":"https://www.azleg.gov/alisPDFs/council/TOSA_55th_2nd_Regular.pdf"},{"href":"https://www.azleg.gov/alisPDFs/council/TOSA_55th_2nd_Regular.pdf?utm_source=chatgpt.com","text":"azleg.gov\n+1"},{"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/general-effective-dates/?utm_source=chatgpt.com","text":"azleg.gov"},{"href":"https://www.azleg.gov/alisPDFs/council/TOSA_56th_1st_Regular.pdf?utm_source=chatgpt.com","text":"https://www.azleg.gov/alisPDFs/council/TOSA_56th_1st_Regular.pdf"},{"href":"https://www.azleg.gov/alisPDFs/council/TOSA_56th_1st_Regular.pdf?utm_source=chatgpt.com","text":"azleg.gov"},{"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_56th_2nd_Regular.pdf?utm_source=chatgpt.com","text":"azleg.gov"},{"href":"https://www.azleg.gov/alisPDFs/council/TOSA_2024_election.pdf?utm_source=chatgpt.com","text":"https://www.azleg.gov/alisPDFs/council/TOSA_2024_election.pdf"},{"href":"https://www.azleg.gov/alisPDFs/council/TOSA_2024_election.pdf?utm_source=chatgpt.com","text":"azleg.gov\n+1"},{"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_1st_Regular.pdf?utm_source=chatgpt.com","text":"azleg.gov"},{"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://www.azleg.gov/alisPDFs/council/TOSA_57th_2nd_Regular.pdf?utm_source=chatgpt.com","text":"azleg.gov\n+1"},{"href":"https://www.azleg.gov/alisPDFs/council/2026_Delayed_effective_dates.pdf?utm_source=chatgpt.com","text":"https://www.azleg.gov/alisPDFs/council/2026_Delayed_effective_dates.pdf"},{"href":"https://www.azleg.gov/alisPDFs/council/2026_Delayed_effective_dates.pdf?utm_source=chatgpt.com","text":"azleg.gov\n+1"}],"row_links":[[],[{"href":"https://www.azleg.gov/ars/32/01001.htm?utm_source=chatgpt.com","text":"https://www.azleg.gov/ars/32/01001.htm"},{"href":"https://www.azleg.gov/ars/32/01004.htm?utm_source=chatgpt.com","text":"https://www.azleg.gov/ars/32/01004.htm"},{"href":"https://www.azleg.gov/ars/32/01051.htm?utm_source=chatgpt.com","text":"https://www.azleg.gov/ars/32/01051.htm"},{"href":"https://www.azleg.gov/ars/32/01055.htm?utm_source=chatgpt.com","text":"https://www.azleg.gov/ars/32/01055.htm"},{"href":"https://www.azleg.gov/arsDetail/?title=32&utm_source=chatgpt.com","text":"https://www.azleg.gov/arsDetail/?title=32"},{"href":"https://www.azleg.gov/ars/32/01001.htm?utm_source=chatgpt.com","text":"Definitions\n+4"}],[{"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/Title_20/20-04.pdf?utm_source=chatgpt.com","text":"apps.azsos.gov\n+1"}],[{"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/2023/35/contents.pdf?utm_source=chatgpt.com","text":"apps.azsos.gov\n+1"}],[{"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/55leg/2r/laws/0059.htm?utm_source=chatgpt.com","text":"H Ver of HB2612\n+2"}],[{"href":"https://www.azleg.gov/alisPDFs/council/TOSA_55th_2nd_Regular.pdf?utm_source=chatgpt.com","text":"https://www.azleg.gov/alisPDFs/council/TOSA_55th_2nd_Regular.pdf"},{"href":"https://www.azleg.gov/alisPDFs/council/TOSA_55th_2nd_Regular.pdf?utm_source=chatgpt.com","text":"azleg.gov\n+1"}],[{"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/general-effective-dates/?utm_source=chatgpt.com","text":"azleg.gov"}],[{"href":"https://www.azleg.gov/alisPDFs/council/TOSA_56th_1st_Regular.pdf?utm_source=chatgpt.com","text":"https://www.azleg.gov/alisPDFs/council/TOSA_56th_1st_Regular.pdf"},{"href":"https://www.azleg.gov/alisPDFs/council/TOSA_56th_1st_Regular.pdf?utm_source=chatgpt.com","text":"azleg.gov"}],[{"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_56th_2nd_Regular.pdf?utm_source=chatgpt.com","text":"azleg.gov"}],[{"href":"https://www.azleg.gov/alisPDFs/council/TOSA_2024_election.pdf?utm_source=chatgpt.com","text":"https://www.azleg.gov/alisPDFs/council/TOSA_2024_election.pdf"},{"href":"https://www.azleg.gov/alisPDFs/council/TOSA_2024_election.pdf?utm_source=chatgpt.com","text":"azleg.gov\n+1"}],[{"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_1st_Regular.pdf?utm_source=chatgpt.com","text":"azleg.gov"}],[{"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://www.azleg.gov/alisPDFs/council/TOSA_57th_2nd_Regular.pdf?utm_source=chatgpt.com","text":"azleg.gov\n+1"}],[{"href":"https://www.azleg.gov/alisPDFs/council/2026_Delayed_effective_dates.pdf?utm_source=chatgpt.com","text":"https://www.azleg.gov/alisPDFs/council/2026_Delayed_effective_dates.pdf"},{"href":"https://www.azleg.gov/alisPDFs/council/2026_Delayed_effective_dates.pdf?utm_source=chatgpt.com","text":"azleg.gov\n+1"}]],"rows":[["Source ID","Issuer, document and direct literal HTTPS URL","Actual body read and exact location","Version, effect, status and limitations"],["S_AZ-P07-S001","Arizona Legislature, A.R.S. Title 32. https://www.azleg.gov/ars/32/01001.htm; https://www.azleg.gov/ars/32/01004.htm; https://www.azleg.gov/ars/32/01051.htm; https://www.azleg.gov/ars/32/01055.htm; compilation notice: https://www.azleg.gov/arsDetail/?title=32","Fresh primary body. Definitions in §32-1001; all §32-1004 exemption text; §32-1051 conduct paragraphs; §32-1055, with reliance limited here to relevant actor/conduct/nexus clauses. Compilation disclaimer read.","Legislature’s posted compilation, subject to its drafting/January-following-session disclaimer. Selected-section amendment checks below reduce, but do not eliminate, currentness limits. No actual license finding. \nDefinitions\n+4"],["S_AZ-P07-S002","Arizona Secretary of State/DIFI, 20 A.A.C. 4. https://apps.azsos.gov/public_services/Title_20/20-04.pdf","Fresh operative portions. R20-4-1501, printed p.38/PDF39; R20-4-1507–1509, p.40/PDF41; R20-4-1510–1514, p.41/PDF42; R20-4-1515–1516 and R20-4-1520(A)–(B), p.42/PDF43; R20-4-1521, p.43/PDF44. Related historical notes read.","Supplement 25-4, posted December 31, 2025. Not a claim that the entire 52-page chapter was substantively reviewed. Post-supplement Register reconciliation remains held under S034. No claim of successful visual inspection from unavailable screenshot output. \napps.azsos.gov\n+1"],["S_AZ-P07-S003","Arizona SOS/DIFI, final rulemaking, R23-162, 29 A.A.R. 1961–1968. https://apps.azsos.gov/public_services/register/2023/35/contents.pdf","Fresh final-adoption portions. Item 3 and rationale, printed pp.1961–1962/PDF46–47; material definitions on p.1964/PDF49; relevant conduct rules pp.1966–1968/PDF51–53.","Published September 1, 2023; stated effective date October 2, 2023. Current Code supplies clean operative wording where adoption extraction mixes deleted and added text. Entire 75-page Register issue not claimed read. \napps.azsos.gov\n+1"],["S_AZ-P07-S004","Arizona Legislature, Laws 2022, ch.59, HB2612. https://www.azleg.gov/legtext/55leg/2r/laws/0059.htm","Fresh enacted portions: §51, amending §32-1004; §53, amending/renumbering §32-1051; approval/filed notation.","Approved/filed March 24, 2022. General effective date established through S005–S006 as September 24, 2022. Approval is not the commencement date. Other parts of this large enactment are not this pass’s findings. \nH Ver of HB2612\n+2"],["S_AZ-P07-S005","Arizona Legislative Council, 2022 Table of Sections Affected. https://www.azleg.gov/alisPDFs/council/TOSA_55th_2nd_Regular.pdf","Fresh official index body: legend and printed p.18/PDF17, entries for §§32-1004 and 32-1051, ch.59 §§51 and 53, marked general-effective.","September 28, 2022 version; chapters 1–388. Index corroborates amendment identification, not operative conduct wording. \nazleg.gov\n+1"],["S_AZ-P07-S006","Arizona Legislature, General Effective Dates. https://www.azleg.gov/general-effective-dates/","Fresh official date table: 2022 regular-session row.","Establishes September 24, 2022 general effective date used with S004–S005. Other displayed years are not substitute amendment histories. \nazleg.gov"],["S_AZ-P07-S007","Arizona Legislative Council, 2023 TOSA. https://www.azleg.gov/alisPDFs/council/TOSA_56th_1st_Regular.pdf","Fresh index: sorted Title 32 range, printed p.8/PDF7.","December 19, 2023 version, chapters 1–205. No entry for the four selected P07 statutory sections in that range. This is a bounded index check, not a finding about all collection law. \nazleg.gov"],["S_AZ-P07-S008","Arizona Legislative Council, 2024 TOSA. https://www.azleg.gov/alisPDFs/council/TOSA_56th_2nd_Regular.pdf","Fresh index: Title 32 range, printed p.10/PDF9.","No listed amendment to the four selected sections in the inspected range. Header publication date not established; not invented. \nazleg.gov"],["S_AZ-P07-S009","Arizona Legislative Council, 2024 election TOSA. https://www.azleg.gov/alisPDFs/council/TOSA_2024_election.pdf","Fresh entire two-page index body, PDF0–1.","No Title 32 entry found in this index. Index is not the enacted initiative text and supplies no broader initiative-validity conclusion. \nazleg.gov\n+1"],["S_AZ-P07-S010","Arizona Legislative Council, 2025 TOSA. https://www.azleg.gov/alisPDFs/council/TOSA_57th_1st_Regular.pdf","Fresh index: sorted Title 32 range, printed p.10/PDF9.","No listed amendment to the four selected sections in the inspected range. No P02 renewal conclusion imported. \nazleg.gov"],["S_AZ-P07-S011","Arizona Legislative Council, 2026 TOSA. https://www.azleg.gov/alisPDFs/council/TOSA_57th_2nd_Regular.pdf","Fresh index: header and Title 32 range, printed p.11/PDF10.","August 19, 2026 version, chapters 1–264. No entry for §§32-1001, 1004, 1051 or 1055 in the inspected range. Not a complete later-enactment certificate. \nazleg.gov\n+1"],["S_AZ-P07-S012","Arizona Legislative Council, 2026 delayed effective dates. https://www.azleg.gov/alisPDFs/council/2026_Delayed_effective_dates.pdf","Fresh material index portions, PDF0–1, including listed Title 32 January 1, 2027 changes.","Selected P07 sections not listed there. Not all three pages claimed read; no future-effective change inferred from an unrelated entry. \nazleg.gov\n+1"]]},{"headers":["Source ID","Issuer, document and direct literal HTTPS URL","Actual body read and exact location","Version, effect, status and limitations"],"index":1,"links":[{"href":"https://uscode.house.gov/us/usc/119-124/t15/s1692a/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-124/t15/s1692a/"},{"href":"https://uscode.house.gov/us/usc/119-124/t15/s1692b/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-124/t15/s1692b/"},{"href":"https://uscode.house.gov/us/usc/119-124/t15/s1692d/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-124/t15/s1692d/"},{"href":"https://uscode.house.gov/us/usc/119-124/t15/s1692e/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-124/t15/s1692e/"},{"href":"https://uscode.house.gov/us/usc/119-124/t15/s1692f/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-124/t15/s1692f/"},{"href":"https://uscode.house.gov/us/usc/119-124/t15/s1692g/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-124/t15/s1692g/"},{"href":"https://uscode.house.gov/us/usc/119-124/t15/s1692k/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-124/t15/s1692k/"},{"href":"https://uscode.house.gov/us/usc/119-124/t15/s1692n/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-124/t15/s1692n/"},{"href":"https://uscode.house.gov/us/usc/119-124/t15/s7001/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-124/t15/s7001/"},{"href":"https://uscode.house.gov/us/usc/119-124/t15/s1681a/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-124/t15/s1681a/"},{"href":"https://uscode.house.gov/us/usc/119-124/t15/s1681b/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-124/t15/s1681b/"},{"href":"https://uscode.house.gov/us/usc/119-121/t15/s7001/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-121/t15/s7001/"},{"href":"https://uscode.house.gov/us/usc/119-124/t15/s1692a/?utm_source=chatgpt.com","text":"uscode.house.gov\n+4"},{"href":"https://www.govinfo.gov/link/uscode/15/1692c?utm_source=chatgpt.com","text":"https://www.govinfo.gov/link/uscode/15/1692c"},{"href":"https://uscode.house.gov/us/usc/119-124/t15/s1692c/","text":"https://uscode.house.gov/us/usc/119-124/t15/s1692c/"},{"href":"https://www.govinfo.gov/link/uscode/15/1692a?utm_source=chatgpt.com","text":"https://www.govinfo.gov/link/uscode/15/1692a"},{"href":"https://www.govinfo.gov/link/uscode/15/1692c?utm_source=chatgpt.com","text":"govinfo.gov"},{"href":"https://www.ftc.gov/legal-library/browse/rules/fair-debt-collection-practices-act-text?utm_source=chatgpt.com","text":"https://www.ftc.gov/legal-library/browse/rules/fair-debt-collection-practices-act-text"},{"href":"https://www.ftc.gov/legal-library/browse/rules/fair-debt-collection-practices-act-text?utm_source=chatgpt.com","text":"Federal Trade Commission"},{"href":"https://www.ecfr.gov/current/title-12/chapter-X/part-1006?utm_source=chatgpt.com","text":"https://www.ecfr.gov/current/title-12/chapter-X/part-1006"},{"href":"https://www.ecfr.gov/current/title-12/chapter-X/part-1006?utm_source=chatgpt.com","text":"ecfr.gov\n+3"},{"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/1006/6/?utm_source=chatgpt.com","text":"https://www.consumerfinance.gov/rules-policy/regulations/1006/6/"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1006/10/?utm_source=chatgpt.com","text":"https://www.consumerfinance.gov/rules-policy/regulations/1006/10/"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1006/14/?utm_source=chatgpt.com","text":"https://www.consumerfinance.gov/rules-policy/regulations/1006/14/"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1006/18/?utm_source=chatgpt.com","text":"https://www.consumerfinance.gov/rules-policy/regulations/1006/18/"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1006/22/?utm_source=chatgpt.com","text":"https://www.consumerfinance.gov/rules-policy/regulations/1006/22/"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1006/30/?utm_source=chatgpt.com","text":"https://www.consumerfinance.gov/rules-policy/regulations/1006/30/"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1006/34/?utm_source=chatgpt.com","text":"https://www.consumerfinance.gov/rules-policy/regulations/1006/34/"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1006/38/?utm_source=chatgpt.com","text":"https://www.consumerfinance.gov/rules-policy/regulations/1006/38/"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1006/42/?utm_source=chatgpt.com","text":"https://www.consumerfinance.gov/rules-policy/regulations/1006/42/"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1006/2/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau\n+5"},{"href":"https://www.federalregister.gov/documents/2020/11/30/2020-24463/debt-collection-practices-regulation-f?utm_source=chatgpt.com","text":"https://www.federalregister.gov/documents/2020/11/30/2020-24463/debt-collection-practices-regulation-f"},{"href":"https://www.federalregister.gov/documents/2020/11/30/2020-24463/debt-collection-practices-regulation-f?utm_source=chatgpt.com","text":"federalregister.gov"},{"href":"https://www.federalregister.gov/documents/2021/01/19/2020-28422/debt-collection-practices-regulation-f?utm_source=chatgpt.com","text":"https://www.federalregister.gov/documents/2021/01/19/2020-28422/debt-collection-practices-regulation-f"},{"href":"https://www.federalregister.gov/documents/2021/01/19/2020-28422/debt-collection-practices-regulation-f?utm_source=chatgpt.com","text":"federalregister.gov"},{"href":"https://www.federalregister.gov/documents/2022/11/01/2022-23559/debt-collection-practices-regulation-f-corrections?utm_source=chatgpt.com","text":"https://www.federalregister.gov/documents/2022/11/01/2022-23559/debt-collection-practices-regulation-f-corrections"},{"href":"https://www.federalregister.gov/documents/2022/11/01/2022-23559/debt-collection-practices-regulation-f-corrections?utm_source=chatgpt.com","text":"federalregister.gov"},{"href":"https://www.federalregister.gov/documents/2023/03/20/2023-05216/agency-contact-information","text":"https://www.federalregister.gov/documents/2023/03/20/2023-05216/agency-contact-information"},{"href":"https://www.federalregister.gov/citation/88-FR-16538?utm_source=chatgpt.com","text":"federalregister.gov\n+1"},{"href":"https://uscode.house.gov/us/usc/119-124/t12/s5481/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-124/t12/s5481/"},{"href":"https://uscode.house.gov/us/usc/119-124/t12/s5519/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-124/t12/s5519/"},{"href":"https://uscode.house.gov/us/usc/119-124/t12/s5481/?utm_source=chatgpt.com","text":"uscode.house.gov\n+1"},{"href":"https://www.govinfo.gov/link/uscode/5/6103?utm_source=chatgpt.com","text":"https://www.govinfo.gov/link/uscode/5/6103"},{"href":"https://uscode.house.gov/us/usc/119-124/t5/s6103/","text":"https://uscode.house.gov/us/usc/119-124/t5/s6103/"},{"href":"https://www.govinfo.gov/link/uscode/5/6103?utm_source=chatgpt.com","text":"govinfo.gov"}],"row_links":[[],[{"href":"https://uscode.house.gov/us/usc/119-124/t15/s1692a/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-124/t15/s1692a/"},{"href":"https://uscode.house.gov/us/usc/119-124/t15/s1692b/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-124/t15/s1692b/"},{"href":"https://uscode.house.gov/us/usc/119-124/t15/s1692d/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-124/t15/s1692d/"},{"href":"https://uscode.house.gov/us/usc/119-124/t15/s1692e/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-124/t15/s1692e/"},{"href":"https://uscode.house.gov/us/usc/119-124/t15/s1692f/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-124/t15/s1692f/"},{"href":"https://uscode.house.gov/us/usc/119-124/t15/s1692g/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-124/t15/s1692g/"},{"href":"https://uscode.house.gov/us/usc/119-124/t15/s1692k/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-124/t15/s1692k/"},{"href":"https://uscode.house.gov/us/usc/119-124/t15/s1692n/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-124/t15/s1692n/"},{"href":"https://uscode.house.gov/us/usc/119-124/t15/s7001/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-124/t15/s7001/"},{"href":"https://uscode.house.gov/us/usc/119-124/t15/s1681a/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-124/t15/s1681a/"},{"href":"https://uscode.house.gov/us/usc/119-124/t15/s1681b/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-124/t15/s1681b/"},{"href":"https://uscode.house.gov/us/usc/119-121/t15/s7001/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-121/t15/s7001/"},{"href":"https://uscode.house.gov/us/usc/119-124/t15/s1692a/?utm_source=chatgpt.com","text":"uscode.house.gov\n+4"}],[{"href":"https://www.govinfo.gov/link/uscode/15/1692c?utm_source=chatgpt.com","text":"https://www.govinfo.gov/link/uscode/15/1692c"},{"href":"https://uscode.house.gov/us/usc/119-124/t15/s1692c/","text":"https://uscode.house.gov/us/usc/119-124/t15/s1692c/"},{"href":"https://www.govinfo.gov/link/uscode/15/1692a?utm_source=chatgpt.com","text":"https://www.govinfo.gov/link/uscode/15/1692a"},{"href":"https://www.govinfo.gov/link/uscode/15/1692c?utm_source=chatgpt.com","text":"govinfo.gov"}],[{"href":"https://www.ftc.gov/legal-library/browse/rules/fair-debt-collection-practices-act-text?utm_source=chatgpt.com","text":"https://www.ftc.gov/legal-library/browse/rules/fair-debt-collection-practices-act-text"},{"href":"https://www.ftc.gov/legal-library/browse/rules/fair-debt-collection-practices-act-text?utm_source=chatgpt.com","text":"Federal Trade Commission"}],[{"href":"https://www.ecfr.gov/current/title-12/chapter-X/part-1006?utm_source=chatgpt.com","text":"https://www.ecfr.gov/current/title-12/chapter-X/part-1006"},{"href":"https://www.ecfr.gov/current/title-12/chapter-X/part-1006?utm_source=chatgpt.com","text":"ecfr.gov\n+3"}],[{"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/1006/6/?utm_source=chatgpt.com","text":"https://www.consumerfinance.gov/rules-policy/regulations/1006/6/"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1006/10/?utm_source=chatgpt.com","text":"https://www.consumerfinance.gov/rules-policy/regulations/1006/10/"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1006/14/?utm_source=chatgpt.com","text":"https://www.consumerfinance.gov/rules-policy/regulations/1006/14/"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1006/18/?utm_source=chatgpt.com","text":"https://www.consumerfinance.gov/rules-policy/regulations/1006/18/"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1006/22/?utm_source=chatgpt.com","text":"https://www.consumerfinance.gov/rules-policy/regulations/1006/22/"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1006/30/?utm_source=chatgpt.com","text":"https://www.consumerfinance.gov/rules-policy/regulations/1006/30/"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1006/34/?utm_source=chatgpt.com","text":"https://www.consumerfinance.gov/rules-policy/regulations/1006/34/"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1006/38/?utm_source=chatgpt.com","text":"https://www.consumerfinance.gov/rules-policy/regulations/1006/38/"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1006/42/?utm_source=chatgpt.com","text":"https://www.consumerfinance.gov/rules-policy/regulations/1006/42/"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1006/2/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau\n+5"}],[{"href":"https://www.federalregister.gov/documents/2020/11/30/2020-24463/debt-collection-practices-regulation-f?utm_source=chatgpt.com","text":"https://www.federalregister.gov/documents/2020/11/30/2020-24463/debt-collection-practices-regulation-f"},{"href":"https://www.federalregister.gov/documents/2020/11/30/2020-24463/debt-collection-practices-regulation-f?utm_source=chatgpt.com","text":"federalregister.gov"}],[{"href":"https://www.federalregister.gov/documents/2021/01/19/2020-28422/debt-collection-practices-regulation-f?utm_source=chatgpt.com","text":"https://www.federalregister.gov/documents/2021/01/19/2020-28422/debt-collection-practices-regulation-f"},{"href":"https://www.federalregister.gov/documents/2021/01/19/2020-28422/debt-collection-practices-regulation-f?utm_source=chatgpt.com","text":"federalregister.gov"}],[{"href":"https://www.federalregister.gov/documents/2022/11/01/2022-23559/debt-collection-practices-regulation-f-corrections?utm_source=chatgpt.com","text":"https://www.federalregister.gov/documents/2022/11/01/2022-23559/debt-collection-practices-regulation-f-corrections"},{"href":"https://www.federalregister.gov/documents/2022/11/01/2022-23559/debt-collection-practices-regulation-f-corrections?utm_source=chatgpt.com","text":"federalregister.gov"}],[{"href":"https://www.federalregister.gov/documents/2023/03/20/2023-05216/agency-contact-information","text":"https://www.federalregister.gov/documents/2023/03/20/2023-05216/agency-contact-information"},{"href":"https://www.federalregister.gov/citation/88-FR-16538?utm_source=chatgpt.com","text":"federalregister.gov\n+1"}],[{"href":"https://uscode.house.gov/us/usc/119-124/t12/s5481/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-124/t12/s5481/"},{"href":"https://uscode.house.gov/us/usc/119-124/t12/s5519/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-124/t12/s5519/"},{"href":"https://uscode.house.gov/us/usc/119-124/t12/s5481/?utm_source=chatgpt.com","text":"uscode.house.gov\n+1"}],[{"href":"https://www.govinfo.gov/link/uscode/5/6103?utm_source=chatgpt.com","text":"https://www.govinfo.gov/link/uscode/5/6103"},{"href":"https://uscode.house.gov/us/usc/119-124/t5/s6103/","text":"https://uscode.house.gov/us/usc/119-124/t5/s6103/"},{"href":"https://www.govinfo.gov/link/uscode/5/6103?utm_source=chatgpt.com","text":"govinfo.gov"}]],"rows":[["Source ID","Issuer, document and direct literal HTTPS URL","Actual body read and exact location","Version, effect, status and limitations"],["S_AZ-P07-S013","U.S. House OLRC, Title 15 compilation. https://uscode.house.gov/us/usc/119-124/t15/s1692a/; https://uscode.house.gov/us/usc/119-124/t15/s1692b/; https://uscode.house.gov/us/usc/119-124/t15/s1692d/; https://uscode.house.gov/us/usc/119-124/t15/s1692e/; https://uscode.house.gov/us/usc/119-124/t15/s1692f/; https://uscode.house.gov/us/usc/119-124/t15/s1692g/; https://uscode.house.gov/us/usc/119-124/t15/s1692k/; https://uscode.house.gov/us/usc/119-124/t15/s1692n/; https://uscode.house.gov/us/usc/119-124/t15/s7001/; https://uscode.house.gov/us/usc/119-124/t15/s1681a/; https://uscode.house.gov/us/usc/119-124/t15/s1681b/","Fresh primary bodies: §§1692a–b, d–g, n; §1692k(c) for the narrow electronic-procedure defense cross-reference; §7001(a)–(c) and relevant related provisions; §1681a(f), (x)(3), and §1681b(a)(3). Earlier §7001 reading at https://uscode.house.gov/us/usc/119-121/t15/s7001/ was followed by the newer compilation check.","Current pages state laws effective through P.L.119-124, October 15, 2026. Full FCRA, remedies, damages and limitation regimes are not analyzed merely because adjacent text was returned. §1692c’s failed OLRC route is recorded under S014. \nuscode.house.gov\n+4"],["S_AZ-P07-S014","GovInfo, 15 U.S.C. §1692c. https://www.govinfo.gov/link/uscode/15/1692c","Fresh full §1692c(a)–(d), printed p.1636/PDF0.","Successful official alternate after https://uscode.house.gov/us/usc/119-124/t15/s1692c/ returned an internal retrieval error. GovInfo’s dynamic link did not establish its edition year; text was compared with current Regulation F and S015. A separate GovInfo definition route, https://www.govinfo.gov/link/uscode/15/1692a, yielded no readable body/then a 400 response; §1692a was resolved through S013. \ngovinfo.gov"],["S_AZ-P07-S015","FTC, FDCPA text reproduction. https://www.ftc.gov/legal-library/browse/rules/fair-debt-collection-practices-act-text","Fresh historical official reproduction: relevant definitions and communication/validation/state-law provisions.","Page presents the Act as amended through the 2010 legislation and identifies its convenience function. Used as a cross-check, not a substitute for current Code. \nFederal Trade Commission"],["S_AZ-P07-S016","Office of the Federal Register/GPO, eCFR, 12 C.F.R. Part 1006. https://www.ecfr.gov/current/title-12/chapter-X/part-1006","Fresh operative bodies and material official commentary: §§1006.1, .2, .6, .10, .14, .18, .22, .30(a), .34, .38, .42 and .104; relevant Supplement I passages.","Displayed Title 12 currency October 23, 2026. That is not a finding that Part 1006 was amended that day. eCFR is the official government editorial compilation, not the official annual legal edition. Model Form B-1’s image was not inspected; no actual form approved. \necfr.gov\n+3"],["S_AZ-P07-S017","CFPB, interactive Regulation F and official interpretations. https://www.consumerfinance.gov/rules-policy/regulations/1006/2/; https://www.consumerfinance.gov/rules-policy/regulations/1006/6/; https://www.consumerfinance.gov/rules-policy/regulations/1006/10/; https://www.consumerfinance.gov/rules-policy/regulations/1006/14/; https://www.consumerfinance.gov/rules-policy/regulations/1006/18/; https://www.consumerfinance.gov/rules-policy/regulations/1006/22/; https://www.consumerfinance.gov/rules-policy/regulations/1006/30/; https://www.consumerfinance.gov/rules-policy/regulations/1006/34/; https://www.consumerfinance.gov/rules-policy/regulations/1006/38/; https://www.consumerfinance.gov/rules-policy/regulations/1006/42/","Fresh material bodies/comments, particularly identity, communication procedures, call counting, itemization, receipt, disputes and delivery. These are alternative presentations of S016’s authority.","Pages label themselves current regulation. The §38 mirror retains an incorrect internal comment reference to “38–1.ii”; S020 and eCFR establish the corrected “iii” reference for electronic consumer submissions. No claim that the mirror is error-free. \nConsumer Financial Protection Bureau\n+5"],["S_AZ-P07-S018","CFPB, 2020 final Regulation F rule, 85 F.R. 76734. https://www.federalregister.gov/documents/2020/11/30/2020-24463/debt-collection-practices-regulation-f","Fresh DATES and material introductory/effective-date passages.","Published November 30, 2020; effective November 30, 2021. Entire lengthy preamble not claimed read. \nfederalregister.gov"],["S_AZ-P07-S019","CFPB, validation/disclosure final rule, 86 F.R. 5766. https://www.federalregister.gov/documents/2021/01/19/2020-28422/debt-collection-practices-regulation-f","Fresh DATES and material introductory/effective-date passages. Operative text read through S016–S017.","Published January 19, 2021; effective November 30, 2021. Publication and commencement kept separate. \nfederalregister.gov"],["S_AZ-P07-S020","CFPB, Regulation F corrections, 87 F.R. 65668–65670. https://www.federalregister.gov/documents/2022/11/01/2022-23559/debt-collection-practices-regulation-f-corrections","Fresh material correction body, including comments 30(a)(1)-3 and 38-2/38-3 and the corrected electronic-submission cross-reference.","Effective November 1, 2022. Technical correction, not a newly created 30-day collector-response period. \nfederalregister.gov"],["S_AZ-P07-S021","CFPB, Agency Contact Information rule. https://www.federalregister.gov/documents/2023/03/20/2023-05216/agency-contact-information","Fresh DATES and Part 1006 amendment instructions 8–10, printed p.16538 in the Federal Register pagination.","Effective April 19, 2023. Relevant changes concern agency contact/organizational information. The rule’s later mandatory dates for other regulations’ forms are not Regulation F dispute-clock changes. \nfederalregister.gov\n+1"],["S_AZ-P07-S022","OLRC, Title 12 cross-references. https://uscode.house.gov/us/usc/119-124/t12/s5481/; https://uscode.house.gov/us/usc/119-124/t12/s5519/","Fresh necessary portions: §5481(5), (7), (15)(A)(i); §5519(a), relevant (b), (c), (f).","Same P.L.119-124 currency. Supports the consumer-financial-product subset and Regulation F’s auto-dealer boundary, not a complete sector opinion. \nuscode.house.gov\n+1"],["S_AZ-P07-S023","GovInfo, 5 U.S.C. §6103. https://www.govinfo.gov/link/uscode/5/6103","Fresh holiday text: §6103(a), associated portions and source notes, printed pp.791–793/PDF0–2.","Official alternate after https://uscode.house.gov/us/usc/119-124/t5/s6103/ was inaccessible. Dynamic-link edition year unestablished; Juneteenth amendment appears. Used for the expressly incorporated holiday list, not general court-calendar rules. \ngovinfo.gov"]]},{"headers":["Source ID","Court, opinion and direct literal HTTPS URL","Actual body read / pinpoint","Status and limits"],"index":2,"links":[{"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://www.supremecourt.gov/opinions/16pdf/16-349_c07d.pdf?utm_source=chatgpt.com","text":"supremecourt.gov"},{"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/2020/03/09/18-35923.pdf?utm_source=chatgpt.com","text":"cdn.ca9.uscourts.gov"},{"href":"https://www.govinfo.gov/content/pkg/USREPORTS-514/pdf/USREPORTS-514-291.pdf?utm_source=chatgpt.com","text":"https://www.govinfo.gov/content/pkg/USREPORTS-514/pdf/USREPORTS-514-291.pdf"},{"href":"https://www.govinfo.gov/content/pkg/USREPORTS-514/pdf/USREPORTS-514-291.pdf?utm_source=chatgpt.com","text":"govinfo.gov"},{"href":"https://www.supremecourt.gov/opinions/18pdf/17-1307_7lho.pdf?utm_source=chatgpt.com","text":"https://www.supremecourt.gov/opinions/18pdf/17-1307_7lho.pdf"},{"href":"https://www.supremecourt.gov/opinions/18pdf/17-1307_7lho.pdf?utm_source=chatgpt.com","text":"supremecourt.gov"},{"href":"https://cdn.ca9.uscourts.gov/datastore/opinions/2016/07/20/14-15672.pdf?utm_source=chatgpt.com","text":"https://cdn.ca9.uscourts.gov/datastore/opinions/2016/07/20/14-15672.pdf"},{"href":"https://cdn.ca9.uscourts.gov/datastore/opinions/2016/07/20/14-15672.pdf?utm_source=chatgpt.com","text":"cdn.ca9.uscourts.gov"},{"href":"https://law.justia.com/cases/federal/appellate-courts/F3/430/1078/505439/?utm_source=chatgpt.com","text":"https://law.justia.com/cases/federal/appellate-courts/F3/430/1078/505439/"},{"href":"https://cdn.ca9.uscourts.gov/datastore/opinions/2005/12/12/0417126.pdf","text":"https://cdn.ca9.uscourts.gov/datastore/opinions/2005/12/12/0417126.pdf"},{"href":"https://law.justia.com/cases/federal/appellate-courts/F3/430/1078/505439/?utm_source=chatgpt.com","text":"law.justia.com"},{"href":"https://law.justia.com/cases/federal/appellate-courts/F3/460/1162/580673/?utm_source=chatgpt.com","text":"https://law.justia.com/cases/federal/appellate-courts/F3/460/1162/580673/"},{"href":"https://cdn.ca9.uscourts.gov/datastore/opinions/2006/08/24/0435563.pdf","text":"https://cdn.ca9.uscourts.gov/datastore/opinions/2006/08/24/0435563.pdf"},{"href":"https://law.justia.com/cases/federal/appellate-courts/F3/460/1162/580673/?utm_source=chatgpt.com","text":"law.justia.com"},{"href":"https://cdn.ca9.uscourts.gov/datastore/opinions/2012/06/08/10-17220.pdf?utm_source=chatgpt.com","text":"https://cdn.ca9.uscourts.gov/datastore/opinions/2012/06/08/10-17220.pdf"},{"href":"https://cdn.ca9.uscourts.gov/datastore/opinions/2012/06/08/10-17220.pdf?utm_source=chatgpt.com","text":"cdn.ca9.uscourts.gov"}],"row_links":[[],[{"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://www.supremecourt.gov/opinions/16pdf/16-349_c07d.pdf?utm_source=chatgpt.com","text":"supremecourt.gov"}],[{"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/2020/03/09/18-35923.pdf?utm_source=chatgpt.com","text":"cdn.ca9.uscourts.gov"}],[{"href":"https://www.govinfo.gov/content/pkg/USREPORTS-514/pdf/USREPORTS-514-291.pdf?utm_source=chatgpt.com","text":"https://www.govinfo.gov/content/pkg/USREPORTS-514/pdf/USREPORTS-514-291.pdf"},{"href":"https://www.govinfo.gov/content/pkg/USREPORTS-514/pdf/USREPORTS-514-291.pdf?utm_source=chatgpt.com","text":"govinfo.gov"}],[{"href":"https://www.supremecourt.gov/opinions/18pdf/17-1307_7lho.pdf?utm_source=chatgpt.com","text":"https://www.supremecourt.gov/opinions/18pdf/17-1307_7lho.pdf"},{"href":"https://www.supremecourt.gov/opinions/18pdf/17-1307_7lho.pdf?utm_source=chatgpt.com","text":"supremecourt.gov"}],[{"href":"https://cdn.ca9.uscourts.gov/datastore/opinions/2016/07/20/14-15672.pdf?utm_source=chatgpt.com","text":"https://cdn.ca9.uscourts.gov/datastore/opinions/2016/07/20/14-15672.pdf"},{"href":"https://cdn.ca9.uscourts.gov/datastore/opinions/2016/07/20/14-15672.pdf?utm_source=chatgpt.com","text":"cdn.ca9.uscourts.gov"}],[{"href":"https://law.justia.com/cases/federal/appellate-courts/F3/430/1078/505439/?utm_source=chatgpt.com","text":"https://law.justia.com/cases/federal/appellate-courts/F3/430/1078/505439/"},{"href":"https://cdn.ca9.uscourts.gov/datastore/opinions/2005/12/12/0417126.pdf","text":"https://cdn.ca9.uscourts.gov/datastore/opinions/2005/12/12/0417126.pdf"},{"href":"https://law.justia.com/cases/federal/appellate-courts/F3/430/1078/505439/?utm_source=chatgpt.com","text":"law.justia.com"}],[{"href":"https://law.justia.com/cases/federal/appellate-courts/F3/460/1162/580673/?utm_source=chatgpt.com","text":"https://law.justia.com/cases/federal/appellate-courts/F3/460/1162/580673/"},{"href":"https://cdn.ca9.uscourts.gov/datastore/opinions/2006/08/24/0435563.pdf","text":"https://cdn.ca9.uscourts.gov/datastore/opinions/2006/08/24/0435563.pdf"},{"href":"https://law.justia.com/cases/federal/appellate-courts/F3/460/1162/580673/?utm_source=chatgpt.com","text":"law.justia.com"}],[{"href":"https://cdn.ca9.uscourts.gov/datastore/opinions/2012/06/08/10-17220.pdf?utm_source=chatgpt.com","text":"https://cdn.ca9.uscourts.gov/datastore/opinions/2012/06/08/10-17220.pdf"},{"href":"https://cdn.ca9.uscourts.gov/datastore/opinions/2012/06/08/10-17220.pdf?utm_source=chatgpt.com","text":"cdn.ca9.uscourts.gov"}]],"rows":[["Source ID","Court, opinion and direct literal HTTPS URL","Actual body read / pinpoint","Status and limits"],["S_AZ-P07-S024","U.S. Supreme Court, Henson v. Santander Consumer USA Inc. https://www.supremecourt.gov/opinions/16pdf/16-349_c07d.pdf","Fresh entire majority, slip pp.1–11/PDF2–12; principal-purpose reservation at slip p.3/PDF4.","June 12, 2017, unanimous published opinion. Own-account purchase holding does not decide the principal-purpose prong. \nsupremecourt.gov"],["S_AZ-P07-S025","Ninth Circuit, McAdory v. M.N.S. & Associates, LLC. https://cdn.ca9.uscourts.gov/datastore/opinions/2020/03/09/18-35923.pdf","Fresh majority portion, printed pp.3–17/PDF2–16; principal-purpose analysis especially pp.11–16.","March 9, 2020, marked FOR PUBLICATION. Reversal/remand of dismissal; allegations and classification holding are not final vicarious-liability findings. Bea dissent identified, not used as majority law. \ncdn.ca9.uscourts.gov"],["S_AZ-P07-S026","U.S. Supreme Court/GovInfo, Heintz v. Jenkins, 514 U.S. 291. https://www.govinfo.gov/content/pkg/USREPORTS-514/pdf/USREPORTS-514-291.pdf","Fresh majority, printed pp.292–299/PDF1–8.","April 18, 1995, unanimous. Regular litigation-related consumer-debt collection can meet FDCPA coverage; not a ruling that every lawyer or every litigation act violates the Act. \ngovinfo.gov"],["S_AZ-P07-S027","U.S. Supreme Court, Obduskey v. McCarthy & Holthus LLP. https://www.supremecourt.gov/opinions/18pdf/17-1307_7lho.pdf","Fresh entire majority, slip pp.1–14/PDF3–16; limitations/reservations at slip pp.12–14.","March 20, 2019, unanimous majority. Colorado nonjudicial-security-enforcement posture. Separate concurrence not relied on; full foreclosure/repossessions deferred. \nsupremecourt.gov"],["S_AZ-P07-S028","Ninth Circuit, Hernandez v. Williams, Zinman & Parham PC. https://cdn.ca9.uscourts.gov/datastore/opinions/2016/07/20/14-15672.pdf","Fresh material majority: pp.3–9/PDF2–8 and pp.20–26/PDF19–25; holding pp.25–26/PDF24–25.","July 20, 2016, FOR PUBLICATION. Each successive collector’s initial covered communication matters. Not every intervening page claimed read; actor status was conceded in the case. \ncdn.ca9.uscourts.gov"],["S_AZ-P07-S029","Ninth Circuit opinion reproduced by Justia, Camacho v. Bridgeport Financial Inc., 430 F.3d 1078. https://law.justia.com/cases/federal/appellate-courts/F3/430/1078/505439/","Fresh primary-opinion reproduction: Background, Discussion, Conclusion and relevant footnotes, particularly footnote 4.","December 12, 2005. Candidate official route https://cdn.ca9.uscourts.gov/datastore/opinions/2005/12/12/0417126.pdf failed; reproduction used after that failure. Host summaries/headnotes excluded. HTML; PDF index unavailable. Later treatment actually read in S031. \nlaw.justia.com"],["S_AZ-P07-S030","Ninth Circuit opinion reproduced by Justia, Clark v. Capital Credit & Collection Services, Inc., 460 F.3d 1162. https://law.justia.com/cases/federal/appellate-courts/F3/460/1162/580673/","Fresh material majority: §I, cease-contact waiver and verification discussion; verification paragraphs at rendered lines 134–143; §II/disposition. Relevant separate dissent read for distinction.","August 24, 2006. Candidate official route https://cdn.ca9.uscourts.gov/datastore/opinions/2006/08/24/0435563.pdf failed. Reproduction, not host summary, relied on. HTML; reporter-page/PDF pairing not fabricated. \nlaw.justia.com"],["S_AZ-P07-S031","Ninth Circuit, Riggs v. Prober & Raphael. https://cdn.ca9.uscourts.gov/datastore/opinions/2012/06/08/10-17220.pdf","Fresh entire 13-page opinion file. Majority Parts III–IV, printed pp.6534–6538/PDF8–12, supply the relevant later treatment of Camacho.","June 8, 2012, FOR PUBLICATION. Historical notice decision; not approval of a notice under the later Regulation F requirements. \ncdn.ca9.uscourts.gov"]]},{"headers":["Source ID","Issuer / route and direct literal HTTPS URL","Actual result and use","Hold / next action"],"index":3,"links":[{"href":"https://www.consumerfinance.gov/complaint/?utm_source=chatgpt.com","text":"https://www.consumerfinance.gov/complaint/"},{"href":"https://www.consumerfinance.gov/complaint/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau"},{"href":"https://www.azag.gov/consumer/debt-collection","text":"https://www.azag.gov/consumer/debt-collection"},{"href":"https://www.azag.gov/consumer/debt-collections","text":"https://www.azag.gov/consumer/debt-collections"},{"href":"https://apps.azsos.gov/public_services/register/2026/","text":"https://apps.azsos.gov/public_services/register/2026/"},{"href":"https://apps.azsos.gov/public_services/register/?utm_source=chatgpt.com","text":"https://apps.azsos.gov/public_services/register/"},{"href":"https://www.azleg.gov/legislative-council/?utm_source=chatgpt.com","text":"https://www.azleg.gov/legislative-council/"},{"href":"https://www.azleg.gov/legislative-council/?utm_source=chatgpt.com","text":"azleg.gov"},{"href":"https://uscode.house.gov/view.xhtml?path=/prelim@title15/chapter41/subchapter5&edition=prelim","text":"https://uscode.house.gov/view.xhtml?path=/prelim@title15/chapter41/subchapter5&edition=prelim"},{"href":"https://www.govinfo.gov/content/pkg/USCODE-2025-title15/pdf/USCODE-2025-title15-chap41-subchapV.pdf","text":"https://www.govinfo.gov/content/pkg/USCODE-2025-title15/pdf/USCODE-2025-title15-chap41-subchapV.pdf"}],"row_links":[[],[{"href":"https://www.consumerfinance.gov/complaint/?utm_source=chatgpt.com","text":"https://www.consumerfinance.gov/complaint/"},{"href":"https://www.consumerfinance.gov/complaint/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau"}],[{"href":"https://www.azag.gov/consumer/debt-collection","text":"https://www.azag.gov/consumer/debt-collection"},{"href":"https://www.azag.gov/consumer/debt-collections","text":"https://www.azag.gov/consumer/debt-collections"}],[{"href":"https://apps.azsos.gov/public_services/register/2026/","text":"https://apps.azsos.gov/public_services/register/2026/"},{"href":"https://apps.azsos.gov/public_services/register/?utm_source=chatgpt.com","text":"https://apps.azsos.gov/public_services/register/"}],[{"href":"https://www.azleg.gov/legislative-council/?utm_source=chatgpt.com","text":"https://www.azleg.gov/legislative-council/"},{"href":"https://www.azleg.gov/legislative-council/?utm_source=chatgpt.com","text":"azleg.gov"}],[{"href":"https://uscode.house.gov/view.xhtml?path=/prelim@title15/chapter41/subchapter5&edition=prelim","text":"https://uscode.house.gov/view.xhtml?path=/prelim@title15/chapter41/subchapter5&edition=prelim"}],[{"href":"https://www.govinfo.gov/content/pkg/USCODE-2025-title15/pdf/USCODE-2025-title15-chap41-subchapV.pdf","text":"https://www.govinfo.gov/content/pkg/USCODE-2025-title15/pdf/USCODE-2025-title15-chap41-subchapV.pdf"}]],"rows":[["Source ID","Issuer / route and direct literal HTTPS URL","Actual result and use","Hold / next action"],["S_AZ-P07-S032","CFPB public complaint information. https://www.consumerfinance.gov/complaint/","Fresh guidance body: debt collection appears among complaint subjects; routing/process description read. No form submitted.","Information route only. Company-response guidance is not a consumer’s validation or court deadline. \nConsumer Financial Protection Bureau"],["S_AZ-P07-S033","Arizona Attorney General candidate debt-collection pages. https://www.azag.gov/consumer/debt-collection; alternate https://www.azag.gov/consumer/debt-collections","First route failed to supply an accessible body; exact HTTP status is not established in the retained record. The genuinely different alternate returned 404.","Current AG debt-collection guidance remains unread. Next action: obtain an accessible official consumer-guidance index and its currently linked page. No inferred absence of AG authority or services."],["S_AZ-P07-S034","Arizona SOS Register routes. https://apps.azsos.gov/public_services/register/2026/; alternate https://apps.azsos.gov/public_services/register/","First directory route inaccessible; alternate supplied zero readable lines. No unchanged retry loop.","Exhaustive post-Supplement-25-4 Article 15 amendment/currentness reconciliation held. Next: readable official 2026 cumulative index, followed by any responsive final notices."],["S_AZ-P07-S035","Arizona Legislative Council publication navigation. https://www.azleg.gov/legislative-council/","Fresh navigation/index body: publication links used to reach TOSAs.","Discovery/provenance, not substantive authority. \nazleg.gov"],["S_AZ-P07-S036","OLRC preliminary whole-subchapter route. https://uscode.house.gov/view.xhtml?path=/prelim@title15/chapter41/subchapter5&edition=prelim","404; no body.","Material federal sections subsequently read through S013–S014. Failure is not evidence that the FDCPA is unavailable or repealed."],["S_AZ-P07-S037","GovInfo candidate 2025 whole-subchapter PDF. https://www.govinfo.gov/content/pkg/USCODE-2025-title15/pdf/USCODE-2025-title15-chap41-subchapV.pdf","Inaccessible; no operative body obtained from this route.","Material text resolved through current individual Code sections. No claim that this failed edition PDF was read."]]},{"headers":["Claim ID","Actor / predicate","Required classification, consequence or boundary","Exact authority; exceptions and confidence"],"index":4,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Claim ID","Actor / predicate","Required classification, consequence or boundary","Exact authority; exceptions and confidence"],["S_AZ-P07-C001","Natural person and asserted obligation","Federal “debt” requires a transaction primarily for personal, family or household purposes; a judgment can remain within that definition. A natural-person borrower alone does not convert business debt into consumer debt.","S013, §1692a(3), (5); S016–S017, §1006.2(d), (h). H; actual purpose held."],["S_AZ-P07-C002","Collector’s message or contact effort","Conveying debt information directly or indirectly is a communication. Regulation F also regulates attempts, including qualifying limited-content messages; an unsuccessful attempt need not be a communication.","S013, §1692a(2); S016–S017, §1006.2(a), (c), (j). H."],["S_AZ-P07-C003","Business using interstate instrumentalities or mail","Test both principal-purpose collection and regular collection of debts owed another. The alternatives must be tested independently.","S013, §1692a(6), opening definition; S016–S017, §1006.2(i)(1). H."],["S_AZ-P07-C004","Original creditor collecting its own account","Own-account collection does not satisfy the owed-another route merely because payment is demanded. Use of another name suggesting a third-party collector invokes an express inclusion; other applicable predicates still require testing.","S013, §1692a(4), (6); S017, §1006.2(g), (i)(1). H; no blanket original-creditor clearance."],["S_AZ-P07-C005","Creditor’s officer or employee","The federal exclusion requires collection for that creditor in the creditor’s name. Independent contractors do not receive this exclusion merely by being called staff.","S013, §1692a(6)(A); S017, §1006.2(i)(2)(i). H; employment/name facts held."],["S_AZ-P07-C006","Affiliate collector","Federal exclusion requires collection only for related/common-control entities and a principal business other than debt collection. Corporate affiliation alone is insufficient.","S013, §1692a(6)(B); S017, §1006.2(i)(2)(ii). H."],["S_AZ-P07-C007","Servicer or other person collecting another’s debt","The exclusion applies only to the specified extent: incidental fiduciary/escrow activity, originated debt, debt not in default when obtained, or specified commercial-secured-party collection. Default acquisition alone does not decide every prong.","S013, §1692a(6)(F)(i)–(iv); S017, §1006.2(i)(2)(vi); S024–S025. H; actual default and acquisition facts held."],["S_AZ-P07-C008","Government personnel, process server, nonprofit counselor","Exclusions are activity-specific: official duties; service of process; or bona fide nonprofit counseling receiving/distributing payments at consumers’ request. A title or nonprofit label alone is insufficient.","S013, §1692a(6)(C)–(E); S017, §1006.2(i)(2)(iii)–(v). H. Separate bad-check-program statutory conditions remain held."],["S_AZ-P07-C009","Buyer collecting purchased debt for itself","Henson rejects coverage under the owed-another prong based solely on the debt’s defaulted status before purchase; it expressly leaves principal-purpose coverage undecided.","S024, slip pp.1–3, 5–11/PDF2–4, 6–12. L."],["S_AZ-P07-C010","Buyer whose principal purpose is collecting purchased debts through contractors","Outsourcing does not itself remove principal-purpose coverage. McAdory found the pleaded business model sufficient and remanded; ultimate responsibility for particular misconduct was not finally resolved.","S025, majority pp.11–17/PDF10–16. L."],["S_AZ-P07-C011","Attorney regularly collecting consumer debts","Litigation-related collection can fall within the FDCPA. There is no general federal attorney exemption.","S026, 514 U.S. pp.292–299/PDF1–8; S013, §1692a amendment notes. L/H; particular conduct still tested separately."],["S_AZ-P07-C012","Person engaged only in specified security-interest enforcement","Obduskey applies the limited-purpose definition for §1692f(6) to its nonjudicial-foreclosure posture. Ordinary money demands or other collection business require separate analysis.","S027, slip pp.6–14/PDF8–16; S013, §1692a(6), security-interest sentence. L; foreclosure/repo regime deferred."],["S_AZ-P07-C013","Arizona claim/agency/debtor","Arizona’s general claim and rule debt definitions do not contain the federal personal/family/household limitation. State contact includes attempted contact; agency status derives from state definitions.","S001, §32-1001(1), (2), (6); S002, R20-4-1501, p.38/PDF39. H/HR."],["S_AZ-P07-C014","Arizona exempt-category actor","§32-1004’s exemptions are conditioned on regular-course activity and retain specified statutory duties. Attorney, employee, institutional, affiliate and billing-service predicates differ. The entire agency-rule article is not automatically imposed on every exempt actor.","S001, §32-1004(A), especially (1)–(3), (7), (13)–(14), (B)–(D). Billing exception requires all five conditions; institutional cross-reference eligibility remains P06 work. H; actual exemption held."],["S_AZ-P07-C015","Remote collector contacting an Arizona debtor","Federal mail/interstate predicates and Arizona territorial applicability are distinct. Arizona text contemplates an agency without an Arizona office, so office absence alone cannot resolve coverage. The complete remote-contact jurisdiction test was not established.","S001, §32-1055(A), (B), (D)(2); S013, §1692a(6). P/Hold on actual nexus and choice of law."],["S_AZ-P07-C016","Concurrent state and federal protections","The FDCPA preserves state protections except to the extent of inconsistency; greater consumer protection is not inconsistent merely because it is greater.","S013, §1692n; S016, §1006.104. H; no complete preemption/choice-of-law opinion."],["S_AZ-P07-C017","Regulation F actor and covered product","Regulation F’s coverage clause includes its statutory auto-dealer boundary. Some validation fields apply only to debt related to a consumer financial product/service. Neither qualification creates a universal FDCPA exemption.","S016, §1006.1(c), §1006.34(c)(2)(iii), (c)(3)(iv); S022, §§5481, 5519. H; special-sector eligibility held."]]},{"headers":["Claim ID","Actor / predicate","Required act, trigger or consequence","Exact authority; exceptions and confidence"],"index":5,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Claim ID","Actor / predicate","Required act, trigger or consequence","Exact authority; exceptions and confidence"],["S_AZ-P07-C018","Covered Arizona agency and its personnel","Agency communications must identify the agency’s collection role; personnel must indicate their collector role and cannot misrepresent their position.","S002, R20-4-1507(1)–(4), p.40/PDF41; R20-4-1520(A)–(B), p.42/PDF43. HR; federal LCM reconciliation held."],["S_AZ-P07-C019","Covered agency discussing legal consequences","No false law/process/arrest representations, nonexistent filed suits, insincere suit/referral threats, false waiver-by-silence statements or misrepresented remedies.","S002, R20-4-1508; -1509(B)–(D); -1510, pp.40–41/PDF41–42. HR; actual litigation procedure deferred."],["S_AZ-P07-C020","Agency collection directed at any person","Oppressive harassment, humiliation, criminal insinuations and obscene/abusive collection language are prohibited.","S002, R20-4-1511(A)–(D), p.41/PDF42. HR."],["S_AZ-P07-C021","Agency telephone contact","Calls must occur at reasonable hours; workplace contact follows a failed reasonable residence-contact attempt under this state rule.","S002, R20-4-1512(A), p.41/PDF42. HR. This does not override C035’s federal workplace restriction."],["S_AZ-P07-C022","Agency contacting friends, relatives, neighbors or employers","No prohibited debt disclosure, pressure request or request that a nonobligated third party pay. The rule separately preserves lawful postjudgment writ service.","S002, R20-4-1512(B)–(C), p.41/PDF42. HR; writ procedures not analyzed."],["S_AZ-P07-C023","Debtor tells agency of counsel and requests communication through counsel","Agency must stop direct and indirect debtor contact; the stated later-contact route is learning from the named lawyer that the lawyer does not represent the debtor.","S002, R20-4-1513(A), p.41/PDF42. HR. Do not import the federal reasonable-nonresponse exception into this text."],["S_AZ-P07-C024","Debtor gives written refusal-to-pay or cease notice","Agency stops contact subject to the state rule’s termination and customary-specified-remedy notices. A mailed notice becomes effective on agency receipt.","S002, R20-4-1513(B)–(D), p.41/PDF42. HR. State exceptions must not be replaced wholesale with the federal list."],["S_AZ-P07-C025","Agency’s initial debtor communication","Within five days, obtain and be able to provide creditor identity, creation time/place, exchanged goods/services/value, and placement date.","S002, R20-4-1514(A)(1)–(4), p.41/PDF42. HR. This is not worded as the federal five-day notice."],["S_AZ-P07-C026","Debtor seeks those specified records","Provide access; on request, provide without charge copies from agency records containing the listed information.","S002, R20-4-1514(B)–(C), p.41/PDF42. HR; limited to the identified records, not universal discovery."],["S_AZ-P07-C027","Debtor or debtor’s attorney requests evidence","Agency must supply copies of its evidence of the debt.","S002, R20-4-1521, opening sentence, p.43/PDF44. HR. Text does not prescribe a universal original contract or notarized affidavit."],["S_AZ-P07-C028","Agency has supplied evidence and receives a specified non-liability claim","Before continuing collection, investigate claimed misidentification, payment, bankruptcy discharge, or another reasonable claim that the debt is not owed.","S002, R20-4-1521(1)–(4), p.43/PDF44. HR. No express writing/30-day prerequisite appears here; do not invent an immediate universal pause outside the stated sequence."],["S_AZ-P07-C029","Actor subject to retained §32-1051(3) duty","Collection/attorney/court/expense charges require the statutory legal-chargeability or judicial-determination predicate.","S001, §32-1051(3), first sentence; §32-1004(A). H. Express attorney carveout in that sentence; no fee amount or actual charge approved."],["S_AZ-P07-C030","Licensee or actor subject to applicable retained statutory conduct clauses","Unfair collection and specified misleading notices, false legal-department claims and state-vouching representations are restricted. Attorney exceptions in paragraphs (3)–(5) must be respected individually.","S001, §32-1051(3), second sentence, (4)(a)–(e), (5), (6); §32-1004(A). H; not a blanket attorney immunity or coverage finding."],["S_AZ-P07-C031","Covered agency demanding an added fee","R20-4-1509(A) prohibits threatening or attempting charges the debtor is not obliged to pay under the contract with the agency’s creditor client.","S002, R20-4-1509(A), p.40/PDF41. HR. Federal agreement-or-law language does not itself resolve a disputed state charge route."],["S_AZ-P07-C032","Actor using claim-sale publicity to coerce payment","Coercive advertising/threatened advertising of claims for sale is prohibited, subject to the stated assignee-for-creditors/court-order exceptions.","S001, §32-1055(C), as retained by §32-1004(A). H; actual exception facts held."]]},{"headers":["Claim ID","Actor / predicate","Required act, trigger or consequence","Exact authority; exceptions and confidence"],"index":6,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Claim ID","Actor / predicate","Required act, trigger or consequence","Exact authority; exceptions and confidence"],["S_AZ-P07-C033","Covered collector communicating or attempting contact","Actual knowledge of inconvenience matters. Absent contrary knowledge, the ordinary time assumption is after 8 a.m. and before 9 p.m. at the consumer’s location.","S014, §1692c(a)(1); S016–S017, §1006.6(b)(1), commentary. H; not permission for every daytime contact."],["S_AZ-P07-C034","Email/text or uncertain location","Electronic-contact time is assessed when sent. Where available information creates conflicting time-zone possibilities, the commentary requires a time convenient under all implicated locations.","S017, comments 6(b)(1)-1 through -4. H; actual location/knowledge held."],["S_AZ-P07-C035","Collector knows or has reason to know employer prohibits the contact","Workplace communication/attempt is prohibited, subject to the specific direct-consent/court exceptions.","S014, §1692c(a)(3); S017, §1006.6(b)(3)–(4), comment 6(b)(3)-1. H. Failed home contact does not cure this."],["S_AZ-P07-C036","Collector knows representation concerning the debt and knows/can readily ascertain counsel’s name/address","Direct debtor contact is restricted; federal exceptions include counsel’s consent or failure to respond within a reasonable period.","S014, §1692c(a)(2); S017, §1006.6(b)(2). H; “reasonable” is not a fixed number established here; C023 remains separate."],["S_AZ-P07-C037","Collector invokes consent or court permission","Consent must be given directly to this collector under the prescribed conditions; creditor/prior-collector consent does not automatically suffice. Known inconvenient contact cannot be prolonged by asking consent to continue it.","S017, §1006.6(b)(4), comments 6(b)(4)(i)-1–2. H; actual consent/order held."],["S_AZ-P07-C038","Communication with someone other than the consumer","Only listed recipients and specific exceptions qualify. Spouse/minor-parent/guardian/estate-representative treatment for this section does not itself impose debt liability on them.","S014, §1692c(b), (d); S017, §1006.6(a), (d)(1)–(2). H. Location, direct consent, court and necessary postjudgment exceptions remain bounded."],["S_AZ-P07-C039","Collector seeks location information","Identify the individual caller; identify employer only if asked; do not reveal the debt. Generally contact the person once, subject to the specified request/correction exceptions; counsel knowledge limits this route.","S013, §§1692a(7), 1692b(1)–(6); S017, §1006.10(a)–(f). H."],["S_AZ-P07-C040","Consumer sends written refusal/cease notice, including accepted electronic writing","Receipt triggers the communication/attempt prohibition, subject to termination, ordinarily invoked specified remedies, and intended specified-remedy notices.","S014, §1692c(c); S017, §1006.6(c), comment 6(c)(1)-1–2. H; no automatic debt cancellation."],["S_AZ-P07-C041","Consumer initiates a response after a restriction","A limited response can be permissible within the initiating request. It does not generally authorize future unrelated contacts or erase known representation. Clark requires a bounded waiver analysis.","S017, comments 6(b)(1), 6(b)(2); S030, majority §I, cease-contact discussion. H/L; scope and recipient facts matter."],["S_AZ-P07-C042","Collector’s cumulative conduct toward any person","Harassment/oppression/abuse prohibitions apply beyond numerical telephone presumptions, including threats of violence and obscene or abusive language.","S013, §1692d and (1)–(6); S017, §1006.14(a), (c)–(g). H."],["S_AZ-P07-C043","Collector represents amount, identity, status or consequences","False amount/status, government or attorney identity, simulated process, and threats of action unlawful or not intended are prohibited. A transfer cannot falsely be said to eliminate defenses.","S013, §1692e(1)–(7), (9)–(10), (13), (16); S017, §1006.18(a)–(d). H; truth and legal entitlement are actual-fact questions."],["S_AZ-P07-C044","Initial and later covered communications","Initial disclosure identifies debt collection and intended use of information; initial oral contact requires the prescribed first-written disclosure too. Later communications identify the collector. Formal pleadings have a narrow disclosure exception.","S013, §1692e(11); S017, §1006.18(e). H; not a blanket pleading exemption from all law."],["S_AZ-P07-C045","Collector demands interest, fee or incidental charge","Amount must be expressly authorized by the agreement creating the debt or permitted by law. Listing it in a notice does not authorize it.","S013, §1692f(1); S017, §1006.22(a). H; agreement/law and Arizona C029/C031 remain unproved."],["S_AZ-P07-C046","Collector accepts or uses postdated payment instrument","A date more than five days ahead invokes the specified advance-deposit notice; Regulation F counts that notice’s 3–10-day interval excluding Saturdays, Sundays and §6103(a) holidays. Early deposit and criminal-prosecution solicitation are separately restricted.","S013, §1692f(2)–(4); S017, §1006.22(b)(1)–(3); S023. H; no instrument or payment modeled."],["S_AZ-P07-C047","Collector communicates credit information it knows or should know is false","Failure to communicate that a known disputed debt is disputed can violate the provision. The dispute need not satisfy the written-validation-pause predicate to matter here.","S013, §1692e(8); S017, §1006.18(c)(2); S029, Discussion. H/L; full FCRA obligations deferred."],["S_AZ-P07-C048","Collector furnishes to a consumer reporting agency","First speak with the consumer or send a debt communication and reasonably wait/monitor for undeliverability. The commentary treats 14 consecutive days as reasonable, not a universal statutory deadline. A specified check-writing-specialty exception exists.","S017, §1006.30(a)(1)–(2), comments 30(a)(1)-1–3; S013, §1681a(f), (x)(3). H; no furnishing clearance."]]},{"headers":["Claim ID","Actor / predicate","Required act, trigger or consequence","Exact authority; exceptions and confidence"],"index":7,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Claim ID","Actor / predicate","Required act, trigger or consequence","Exact authority; exceptions and confidence"],["S_AZ-P07-C049","Collector places calls to a person concerning a particular debt","More than seven counted calls in seven consecutive days, or a call within the post-conversation period, creates a rebuttable violation presumption. Staying below both creates only the specified rebuttable frequency presumption.","S017, §1006.14(b)(1)–(2), associated comments. H; not a universal cap or safe harbor."],["S_AZ-P07-C050","Telephone conversation about the debt occurs","Conversation date is day one of the seven-consecutive-day period. A consumer-initiated conversation can trigger it even though it is not an outgoing placed call.","S017, §1006.14(b)(2)(i)(B), comments on telephone conversations and counting. H."],["S_AZ-P07-C051","Particular outgoing call is classified","Busy/out-of-service unconnected calls are excluded; ringing unanswered and voicemail connections count. Calls to specified professional recipients are excluded from these frequencies.","S017, §1006.14(b)(3)(ii)–(iii), comments 14(b)(3)(ii)-1–2. H; exclusions do not erase other restrictions."],["S_AZ-P07-C052","Person directly consents to additional calls about a debt","Frequency exclusion lasts no more than seven consecutive days, counting consent day as day one, and can end sooner through narrower consent, revocation or the next conversation.","S017, §1006.14(b)(3)(i), comments 1–3. H; cannot waive C033/C035/C061 by implication."],["S_AZ-P07-C053","One person has several debts","Count by person and particular debt. A call/conversation concerning several debts can count for each; unconnected-to-content or general attempts must be allocated consistently with commentary, not ignored.","S017, §1006.14(b)(2), (4), associated multiple-debt comments. H; limited student-loan grouping is a separate boundary."],["S_AZ-P07-C054","Collector leaves a proposed limited-content message","It must be a voicemail for the consumer with a non-collection-indicating business name, reply request, natural-person contact name and return number. Only the listed optional salutation/time/callback/representative content may be added.","S017, §1006.2(j)(1)–(2). H; email/text are not this voicemail category."],["S_AZ-P07-C055","LCM reaches a known third party or contains extra collection detail","A knowingly third-party message or excess content does not qualify. A federal LCM remains an attempt and does not resolve Arizona’s role-identification rules.","S017, comments 2(j)-1–3; S002, R20-4-1507, -1520(B). H federally; Arizona harmonization Hold."],["S_AZ-P07-C056","Collector relies on email/text third-party-disclosure procedures","Reasonably confirm and document the specified address/number route and avoid a destination known to have caused prohibited disclosure. These are procedures relevant to a bona fide-error defense, not blanket authorization or automatic immunity.","S017, §1006.6(d)(3); S013, §1692k(c). H; intent, procedures and evidentiary burden remain fact dependent."],["S_AZ-P07-C057","Email route rests on consumer or prior collector","Consumer debt-related use/no opt-out or direct unwithdrawn consent can supply a route. Prior-collector route additionally requires qualifying acquisition and actual use by the immediately prior collector, without opt-out.","S017, §1006.6(d)(4)(i), (iii), comments. H; C056 and disclosure-delivery duties remain separate."],["S_AZ-P07-C058","Email route rests on creditor transfer notice","Requires creditor acquisition/use, specified advance notice, at least 35 days to opt out, expiration without opt-out, and the qualifying public-domain/non-employer conditions.","S017, §1006.6(d)(4)(ii)(A)–(E). H; an address transferred in a data file alone does not establish the route."],["S_AZ-P07-C059","Text-message route","Requires qualifying prior text use or direct consent, no withdrawal/opt-out, and the prescribed 60-day recent-text/consent or reassignment-confirmation condition. A voice call alone does not establish the prior-text route.","S017, §1006.6(d)(5)(i)–(ii), comments. H; no database or number queried."],["S_AZ-P07-C060","Electronic communication/attempt to an address or number","Include a clear, conspicuous, reasonable and simple opt-out method. Do not impose a fee or demand unnecessary information beyond the preference and destination.","S017, §1006.6(e), commentary. H."],["S_AZ-P07-C061","Consumer requests no contact through a medium/address","Oral requests can trigger the medium restriction. An address-specific opt-out applies to that collector’s use of that address across debts; narrow confirmation, consumer-initiated-response and legally required-medium exceptions remain.","S017, §1006.14(h)(1)–(2), commentary. H; stopping one channel is not necessarily an all-channel cease notice."],["S_AZ-P07-C062","Collector knows an email address is employer provided","Use is generally prohibited except the specified consumer/prior-collector routes. Creditor-transfer procedures do not authorize known workplace email.","S017, §1006.22(f)(3); §1006.6(d)(4)(i), (iii). H; actual knowledge/route held."],["S_AZ-P07-C063","Social-media or postal collection contact","Publicly visible social-media contact is restricted. Private messaging still faces other requirements. Postcards and collection-revealing envelope markings have separate prohibitions.","S013, §1692f(7)–(8); S017, §1006.22(f)(1)–(2), (4). H; no TCPA/privacy/FCRA clearance."]]},{"headers":["Claim ID","Actor / predicate","Trigger, required step, clock or consequence","Exact authority; exceptions and confidence"],"index":8,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Claim ID","Actor / predicate","Trigger, required step, clock or consequence","Exact authority; exceptions and confidence"],["S_AZ-P07-C064","Collector makes its initial covered communication","Provide complete validation information in that communication or send the required notice within five days. Complete oral initial information is a regulatory route; payment before the follow-up notice becomes due is an exception.","S013, §1692g(a); S017, §1006.34(a)(1)–(2). H. No universal “five business days” substitution established."],["S_AZ-P07-C065","A new collector takes over the account","Its own initial covered communication triggers its notice obligation; a predecessor’s notice is not a universal substitute.","S028, pp.25–26/PDF24–25; S017, §1006.34(b)(2). L/H."],["S_AZ-P07-C066","First contact is a formal pleading or specified mandatory noncollection notice","Formal pleadings and the specified noncollection tax/financial-privacy/breach notices are excluded from the initial-communication trigger.","S013, §1692g(d)–(e); S017, §1006.34(b)(2)(i)–(iii), commentary. H; no general litigation immunity."],["S_AZ-P07-C067","Collector supplies validation information","Required fields include collector/consumer information, dispute mailing address, account identifier, current creditor, amount information, rights and response prompts. Itemization-date creditor and CFPB-site fields have the consumer-financial-product qualification.","S017, §1006.34(c)(1)–(4); S022. H; itemization-date creditor is not necessarily original creditor."],["S_AZ-P07-C068","Collector selects an itemization reference","Choose an ascertainable last-statement, charge-off, last-applied-payment, transaction or judgment date and use it consistently. A successor can choose another permitted reference.","S017, §1006.34(b)(3)(i)–(v), comments 34(b)(3)-1–2. H; this selection does not determine limitation accrual."],["S_AZ-P07-C069","Collector itemizes the balance","Disclose the reference-date amount, subsequent interest/fees/payments/credits and current amount; required zero categories are not simply omitted. Itemization does not prove ownership or authorize an added charge.","S017, §1006.34(c)(2)(vi)–(ix), commentary; C045. H; accounting truth remains unverified."],["S_AZ-P07-C070","Validation information is provided","Period begins when provided and ends 30 days after actual or assumed receipt. Assumed receipt may be at least five days later, excluding Saturdays, Sundays and §6103(a) holidays.","S017, §1006.34(b)(5); S023. H; the exclusion applies to this receipt calculation, not every clock."],["S_AZ-P07-C071","Actual receipt differs or original notice is undelivered","Commentary permits the calculated assumed-receipt endpoint despite later learning a different actual receipt date. A replacement notice after nonreceipt/no other validation information requires an updated period.","S017, comments 34(b)(5)-1–2. H; disputed endpoint litigation and actual delivery evidence held."],["S_AZ-P07-C072","Consumer timely submits written request for original-creditor identity","Upon receipt, collector must cease collection until it sends the name and address using the required delivery method.","S013, §1692g(a)(5), (b); S017, §1006.38(c)(1), §1006.42. H; information obtained internally is not enough."],["S_AZ-P07-C073","Original and current creditor are the same","Collector may reasonably determine that identity, send a written/electronic statement of that fact and refer to previously supplied validation information.","S017, §1006.38(c)(2). H; unsupported assertion or silence does not satisfy the alternative."],["S_AZ-P07-C074","Consumer disputes orally","Oral dispute is recognized for §1692g(a)(3) and can matter to disputed reporting, but does not by itself invoke the statutory written-dispute verification pause.","S029, Discussion/Conclusion and fn.4; S013, §§1692g(a)(3)–(5), (b), 1692e(8). L/H; Arizona C028 may independently matter."],["S_AZ-P07-C075","Historical notice implies, rather than expressly states, a writing condition","Riggs distinguished Camacho and upheld the particular notice against the preserved theory. It does not approve any current notice or eliminate Regulation F’s fields.","S031, Parts III.A–C, IV, pp.6534–6538/PDF8–12. L; historical version/posture limitation."],["S_AZ-P07-C076","Collector receives a dispute submitted in writing within the validation period","Stop collection of the debt or disputed portion until the qualifying verification/judgment response is sent.","S013, §1692g(b); S017, §1006.38(d)(2)(i), §1006.42. H; submission/receipt and disputed portion require proof."],["S_AZ-P07-C077","Consumer makes the required written submission","Mail, response form, accepted electronic medium, courier or personal delivery can qualify. Consumer electronic writing is not conditioned on obtaining the consumer’s own E-SIGN §101(c) disclosure consent.","S017, comments 38-1–2; S020 corrected reference; S013, §7001(a)–(b). H; collector must actually accept that electronic medium."],["S_AZ-P07-C078","Timely written dispute remains unanswered","The researched provisions do not establish a general 30-day collector-response deadline. The collection pause persists absent the qualifying response; silence does not cancel the debt.","S013, §1692g(b); S017, §1006.38(d)(2). H, limited to these provisions."],["S_AZ-P07-C079","Collector asserts a duplicate dispute","It must reasonably meet the same-prior-timely-dispute/already-answered/no-new-material-information conditions. Collection pauses until the reasoned duplicate notice with prior-response reference, or verification, is sent.","S017, §1006.38(a)(1), (d)(2)(ii), comments. H; a new canceled check can be material."],["S_AZ-P07-C080","Collector sends required disclosures","Delivery must reasonably be expected to give actual notice in a retainable, later-accessible form. Known undeliverability defeats that attempt; last-known-address mail has a qualified safe harbor.","S017, §1006.42(a)(1), comments 1–4. H. §42(a)(2) narrowly excepts certain standalone identity/opt-out disclosures."],["S_AZ-P07-C081","Required follow-up notice or verification/original-creditor response is sent electronically","§42(b) invokes E-SIGN §101(c) for the listed follow-up and response disclosures. It does not list an initial electronic validation notice or the duplicate-notice alternative in the same way; other delivery/contact duties still apply.","S017, §1006.42(b); §§1006.34(a)(1)(i)(B), .38(c), (d)(2)(i), (ii)(A). H; no blanket electronic-contact permission."],["S_AZ-P07-C082","Collector relies on E-SIGN consumer consent","Affirmative, unwithdrawn consent requires the statutory advance disclosures and electronic ability demonstration; withdrawal and material technology changes have specified consequences.","S013, §7001(c)(1)(A)–(D), (2)–(4), (6). H; ordinary possession of an email address is insufficient."],["S_AZ-P07-C083","Collector seeks to resume after verification/original-identity pause","Statute requires obtaining and mailing the qualifying material; Regulation F provides the compliant written/electronic sending route. Mere internal verification fails; universal actual reading/receipt is not the resumption trigger.","S013, §1692g(b); S017, §1006.38(c), (d)(2), §1006.42. H; other stops and Arizona investigation remain."],["S_AZ-P07-C084","Collector relies on Clark verification standard","Confirmation of the amount claimed, with the actual creditor information/itemized statement in that case, satisfied §1692g. It did not resolve separate misleading-amount liability or Arizona investigation duties.","S030, majority §I, verification paragraphs; S002, R20-4-1521. L/HR; no universal original-contract, affidavit or trial-proof rule established."],["S_AZ-P07-C085","Consumer does not dispute or collector supplies validation","Non-dispute is not a legal admission. Validation does not establish ownership, judgment-level proof or discharge status; a communication pause does not itself extinguish the obligation.","S013, §1692g(c); S017, §1006.38(d)(1); bounded inference from C067–C084. H for non-admission; analytical boundary for remaining propositions."],["S_AZ-P07-C086","Collection occurs during validation period","Activity must not overshadow or contradict dispute/original-creditor rights. The period alone is not an automatic collection moratorium; a qualifying pause or other restriction changes that.","S013, §1692g(b); S017, §1006.38(b), (c), (d). H."],["S_AZ-P07-C087","Collector uses a model notice or translation","Model Form B-1 is optional and supplies only the stated information/format/overshadowing safe harbors when properly used. Translation must meet applicable accuracy/consistency conditions.","S017, §1006.34(d)–(e), §1006.38(b)(2). H text; actual B-1 image/form inspection held."],["S_AZ-P07-C088","Consumer also faces a suit or limitation question","Validation/dispute provisions do not themselves calculate an answer deadline, extend a court deadline, determine claim accrual or decide standing. No such actual calendar is resolved here.","S013, §1692g; S017, §§1006.34, .38, .30(d)(3); express scope boundary. H as bounded non-determination; governing court/limitations bodies deferred."],["S_AZ-P07-C089","Consumer seeks public information/complaint route","CFPB’s public page identifies debt-collection complaints and routing. Submitting a complaint is distinct from a qualifying dispute or court response.","S032, complaint subjects/process; C072/C076/C088. H guidance; nothing submitted. AG route held under S033."]]},{"headers":["Claim ID","Predicate","Finding","Authority / confidence"],"index":9,"links":[],"row_links":[[],[],[],[],[],[],[],[],[]],"rows":[["Claim ID","Predicate","Finding","Authority / confidence"],["S_AZ-P07-C090","Current Arizona conduct numbering","2022 ch.59 §§51/53 amended §§32-1004/1051; March 24 approval differs from September 24 effectiveness. Current §1004(D) retains one older “2 through 7” reference; no nonexistent current paragraph 7 is invented.","S001, S004–S006. H text; authoritative cleanup/harmonization of that residual reference not established."],["S_AZ-P07-C091","Selected Arizona statutory currentness","Inspected 2023–2026 TOSA ranges, election index and relevant delayed-date list did not identify changes to the four selected sections.","S007–S012. H for index observations; bounded, not an all-law certificate."],["S_AZ-P07-C092","Relevant 2023 Arizona rule amendment","Final notice specifies October 2, 2023 effectiveness, distinct from September 1 publication.","S003, item 3, p.1961/PDF46; operative rule pages. H."],["S_AZ-P07-C093","Arizona rule currentness after posted supplement","Supplement 25-4 supplies the read text; failed 2026 Register routes prevent exhaustive later-rule reconciliation.","S002, S034. HR/P."],["S_AZ-P07-C094","Modern Regulation F communication/validation requirements","The 2020 and 2021 final rules identify November 30, 2021 commencement. The fictional 2026 models are later; no pre-effective retroactive notice conclusion is made.","S018–S019, DATES. H."],["S_AZ-P07-C095","Later federal technical amendments","2022 corrections became effective November 1, 2022; relevant 2023 contact changes became effective April 19, 2023. The §38 mirror’s internal-reference typo is not used to alter electronic-submission rights.","S020–S021; S016–S017. H."],["S_AZ-P07-C096","Source currency versus access","OLRC states October 15, 2026 law currency; eCFR displays October 23 Title 12 currency; actual research access was October 27 Pacific. These are different dates. Individual opening times remain unknown.","S013, S016; research access record. H within recorded limits."],["S_AZ-P07-C097","Judicial authority and later treatment","Only identified published majority holdings are relied on. McAdory’s treatment of Henson and Riggs’s treatment of Camacho were read. No complete citator, all-later-treatment, Arizona-state-court binding-status or unpublished-citation certification is made.","S024–S031 and bounded official searches. L; no unpublished opinion used."]]},{"headers":["Decision / claims","Material facts and posture actually read","Majority holding and disposition","Limit that matters here"],"index":10,"links":[],"row_links":[[],[],[],[],[],[],[],[],[]],"rows":[["Decision / claims","Material facts and posture actually read","Majority holding and disposition","Limit that matters here"],["Henson — C009","Purchaser sought to collect defaulted automobile debts it owned; dismissal was under review.","Supreme Court affirmed the result under the owed-another branch. Acquisition after default did not itself make own-account collection collection for another.","Principal-purpose question expressly reserved. No blanket debt-buyer exemption. S024, slip p.3 and pp.5–11."],["McAdory — C010","Complaint alleged a debt buyer’s business centered on collecting purchased retail debt through third-party collectors; district court dismissed.","Published majority reversed/remanded: outsourcing did not avoid principal-purpose classification on the alleged facts.","Pleading-stage actor holding, not final proof of every alleged act or vicarious liability. Majority distinguished Henson. S025, pp.11–17."],["Heintz — C011","Lawyer’s automobile-debt collection activity included litigation and a settlement communication; the district court had recognized an attorney exclusion.","Supreme Court affirmed reversal of the exemption-based dismissal; regular litigation collection can fall within the Act.","It does not make every legal communication unlawful. Later statutory pleading exceptions must be separately applied. S026, pp.292–299."],["Obduskey — C012","Firm undertook Colorado nonjudicial foreclosure steps; dismissal and appellate affirmance were reviewed.","Supreme Court affirmed the limited-purpose treatment for the conduct at issue.","Ordinary money collection, other collector business and reserved judicial-foreclosure questions cannot be collapsed into that holding. S027, slip pp.12–14."],["Hernandez — C065","An automobile-debt collector was followed by a law firm whose initial communication did not supply the required validation protections. Summary judgment favored the law firm.","Ninth Circuit reversed/remanded; the successive collector’s own initial communication triggers §1692g.","Collector status was conceded; this was not a general agency/exemption determination. S028, pp.25–26."],["Camacho — C074","A consumer-debt letter expressly required all disputes to be written. Denial of dismissal was certified for interlocutory review.","Ninth Circuit affirmed and remanded: §1692g(a)(3) does not impose that universal writing condition.","Written steps remain necessary for the specific verification/original-creditor pause. Footnote 4 reserved a further question about affirmative rights arising from oral dispute. S029, Discussion, Conclusion, fn.4."],["Clark — C041/C084","Disputed medical billing; itemized creditor information; a cease-contact direction followed by the consumer’s request to the collector’s lawyer. Cross-summary-judgment rulings were reviewed.","Affirmed in part, reversed in part, remanded. The actual verification satisfied §1692g; cease-contact waiver required a knowing, voluntary, limited analysis, with disputed facts concerning another actor’s callback.","Verification did not dispose of the separate false-amount theory. The dissent’s broader waiver view is not the majority rule. Arizona R20-4-1521 was not resolved. S030, majority §I and disposition."],["Riggs — C075","Undisputed automobile-deficiency collection; notice placed written-verification language beside a general response statement. Partial summary judgment for collector was appealed.","Ninth Circuit affirmed the preserved theory: the assumed implication did not equal Camacho’s express written-only condition. Other challenges were not preserved.","Historical notice and preserved claims only; no present Regulation F form approval. S031, Parts III–IV, pp.6534–6538/PDF8–12."]]},{"headers":["Posture","Fictional facts","Conditional result and adverse branch","Claim references"],"index":11,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Posture","Fictional facts","Conditional result and adverse branch","Claim references"],["P01 — Original creditor","A household-services seller calls about its own invoice using its true name.","The owed-another branch is not established merely by the call. A different-name collection operation or different principal-purpose facts require another analysis. Arizona/general consumer law is not cleared.","C001, C003–C004, C013–C014"],["P02 — Outsourcing buyer","A purchaser’s alleged principal business is buying household debts and earning receipts through hired collectors.","Outsourcing does not remove the principal-purpose inquiry. Actual business evidence and responsibility for a particular message remain unproved.","C009–C010"],["P03 — Purchase after default","A business owns a purchased defaulted account, but its principal purpose and regular activities are unknown.","Defaulted purchase alone supplies neither a universal exemption nor complete coverage.","C003, C007, C009–C010"],["P04 — Servicer timing","One servicer obtained account A before default and account B after default.","The nondefault-at-obtaining exclusion can matter to A; B requires full actor testing. A database’s “default” label is not conclusive evidence.","C007"],["P05 — Affiliate","A shared-services company collects only family-company accounts.","Federal affiliate exclusion still requires that its principal business not be debt collection. Arizona’s institutional-affiliate conditions are different.","C006, C014"],["P06 — Employee or contractor","An individual works under a regular salary for a creditor; another is an independent contractor using a collection trade name.","Employment, creditor-name and actual role predicates distinguish them. Labels do not settle either jurisdiction’s classification.","C004–C005, C014"],["P07 — Lawyer versus security-only firm","One lawyer regularly demands consumer payments; another performs only the described nonjudicial-security steps.","Heintz and Obduskey address different predicates. Adding an ordinary money demand can require fresh analysis.","C011–C012"],["P08 — Mixed-purpose account","Equipment is used partly at home and partly in a business.","Federal primary-purpose classification requires facts; Arizona’s general definition does not automatically adopt the federal restriction.","C001, C013"],["P09 — Counsel known","Consumer identifies counsel and asks an Arizona agency to communicate through counsel.","State stop-contact text applies if the agency is covered. Federal counsel exceptions do not automatically override the state rule.","C023, C036–C037"],["P10 — Workplace ban","Consumer says personal collection calls are prohibited at work; home calls were unanswered.","The failed-home-attempt condition does not remove the federal known-employer prohibition.","C021, C035"],["P11 — Friend contacted","Collector asks a friend for a current address.","A compliant location inquiry differs from revealing a balance or asking the friend to pressure payment. Repeated contact requires a stated exception.","C022, C038–C039"],["P12 — Voicemail","Collector proposes a voicemail with only federal LCM fields.","It may satisfy the federal content category on the assumed facts. Arizona role-identification compatibility remains unresolved; no production script is approved.","C018, C054–C055"],["P13 — Two debts, one person","Calls concern debts A and B; a later incoming conversation addresses both.","Counts and conversation restrictions must be reconciled separately for each debt. A small combined total does not eliminate the post-conversation presumption.","C049–C053; Model 2"],["P14 — Electronic opt-out","Consumer texts STOP but later emails a written request to an accepted address.","Text restriction remains. The consumer’s email does not automatically consent to a text response or satisfy the collector’s E-SIGN predicates.","C060–C062, C077, C081–C082"],["P15 — Oral then written dispute","Consumer first orally says the bill was paid, then timely sends a written dispute.","Oral dispute has legal significance; the federal written pause begins on receipt of the qualifying submission. Arizona investigation duties are separately tested.","C028, C047, C074, C076"],["P16 — Original identity and successor","A successor collector receives a timely written request for the original creditor’s name/address.","Its own notice duty and the identity-request pause must be satisfied. Naming the current creditor without the prescribed same-creditor determination is insufficient.","C065, C072–C073"],["P17 — Silence or late request","Consumer remains silent, then requests information after every assumed candidate period has expired.","Silence is not admission. The special timely-written federal pause is not established by these facts; state information duties and other prohibitions still require testing.","C025–C028, C076, C085"],["P18 — Paid, mistaken identity or discharged","Consumer asserts mistaken identity, prior payment or discharge, but no underlying records are supplied in this hypothetical.","Covered Arizona agency must follow its evidence/investigation rule. The allegation does not itself establish payment, discharge, ownership or eligibility.","C027–C028, C084–C085"]]},{"headers":["Date","Treatment","Running counted days"],"index":12,"links":[],"row_links":[[],[],[],[],[],[],[],[]],"rows":[["Date","Treatment","Running counted days"],["Wednesday, March 4","Count","1"],["Thursday, March 5","Count","2"],["Friday, March 6","Count","3"],["Saturday, March 7","Exclude","3"],["Sunday, March 8","Exclude","3"],["Monday, March 9","Count","4"],["Tuesday, March 10","Count","5"]]},{"headers":["Event","Date/time","Direction, person and debt","Connection/result","Frequency treatment"],"index":13,"links":[],"row_links":[[],[],[],[],[],[],[],[],[]],"rows":[["Event","Date/time","Direction, person and debt","Connection/result","Frequency treatment"],["1","Mon. March 2, 10:00","Outgoing to P, A","Rings; unanswered","A +1"],["2","Mon. March 2, 15:00","Outgoing to P, A","Busy; not connected","Excluded +0"],["3","Tue. March 3, 11:00","Outgoing to P, A","Rings; unanswered","A +1"],["4","Tue. March 3, 16:00","Outgoing to P, B","Rings; unanswered","B +1"],["5","Wed. March 4, 10:00","Outgoing to P, A","Voicemail referring to A","A +1; content/privacy separately assumed compliant"],["6","Thu. March 5, 11:00","Outgoing to P, A","Rings; unanswered","A +1"],["7","Thu. March 5, 16:00","Outgoing to P, B","Rings; unanswered","B +1"],["8","Fri. March 6, 10:00","Incoming from P, A and B","Conversation about both","No outgoing-call increment; conversation trigger for A and B"]]},{"headers":["Added event","Date/time","Person/debt","Result","Count"],"index":14,"links":[],"row_links":[[],[],[],[],[]],"rows":[["Added event","Date/time","Person/debt","Result","Count"],["B1","Sat. March 7, 10:00","P/A","Rings unanswered","A +1"],["B2","Sat. March 7, 15:00","P/A","Rings unanswered","A +1"],["B3","Sun. March 8, 10:00","P/A","Rings unanswered","A +1"],["B4","Sun. March 8, 15:00","P/A","Rings unanswered","A +1"]]},{"headers":["Coverage row","Requested issue","Status / claim references","Exact missing evidence or next action"],"index":15,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Coverage row","Requested issue","Status / claim references","Exact missing evidence or next action"],["K01","Personal/family/household debt","Answered — C001","Actual transaction purpose remains unknown."],["K02","Business and mixed-purpose accounts","Partial — C001, C013","Determine primary purpose from authorized facts; no inference from borrower identity."],["K03","Original creditor / false other name","Answered — C003–C004","Actual name use and business model held."],["K04","Buyer: principal purpose versus owed another","Answered — C009–C010","Actual operating evidence and responsibility for conduct held."],["K05","Servicer and default timing","Partial — C007","Contract/default/acquisition facts and any disputed default construction remain."],["K06","Affiliate predicates","Answered — C006, C014","Ownership, exclusive clientele and principal business unverified."],["K07","Employee versus contractor","Answered — C005, C014","Employment relationship and name used unverified."],["K08","Attorney collection","Answered — C011, C014","Actual regularity, role and state exemption conditions held."],["K09","Security-only versus money demand","Partial — C012","Full foreclosure/repo and mixed-conduct classification deferred."],["K10","Arizona definition and retained exempt-actor conduct","Partial — C013–C014","No actual licensing/exemption decision; P06 remains separate."],["K11","Remote Arizona contact","Partial — C015","Responsive territorial/choice-of-law authority and actual contact facts remain."],["K12","Consumer, third parties and representatives","Answered — C001–C002, C038","Actual representative authority and independent liability held."],["K13","State versus federal classification","Answered — C003, C013–C017","No cross-regime exemption inferred."],["K14","Special statutory actor exclusions","Partial — C008, C017","Full bad-check-program and special-sector cross-reference eligibility not established."],["K15","Time/place and consumer knowledge","Answered — C033–C034","Actual location, knowledge and communication time held."],["K16","Workplace calls","Answered — C021, C035","Employer policy, knowledge and specific consent/order held."],["K17","Known counsel","Partial — C023, C036","State/federal distinctions established; actual representation and reasonable-response facts unknown."],["K18","Direct prior consent / court permission","Answered — C037","Actual consent scope and court order unexamined."],["K19","Third-party collection disclosure","Answered — C022, C038","Identity, obligation and exception facts held."],["K20","Location inquiry","Answered — C039","Prior contacts, correction basis and counsel knowledge held."],["K21","Written cease / refusal and exceptions","Answered — C024, C040–C041","Receipt, exact requested scope and any waiver facts held."],["K22","Harassment, deception and threats","Answered — C019–C020, C042–C043","Actual words, pattern, intent and lawful-action basis held."],["K23","Added fees/interest","Partial — C029–C031, C045","Actual contract/law basis and state-law-only charge reconciliation remain."],["K24","Postdated instruments","Answered narrowly — C046","No instrument, deposit date or payment authorization examined."],["K25","Reporting known disputed debt","Answered narrowly — C047","Actual reporting/knowledge and full FCRA duties deferred."],["K26","Contact before furnishing","Answered narrowly — C048","Delivery/bounce monitoring and specialty-agency exception facts held."],["K27","Call-attempt classification","Answered — C049, C051","Actual connected/unconnected records held."],["K28","Conversation and following period","Answered — C050","Actual conversation subject and date held."],["K29","Call exclusions and consent","Answered — C051–C052","Actual consent, expiration, recipient and revocation held."],["K30","Multiple-debt/person counts","Answered — C053; Model 2","Actual allocation and any special grouping facts held."],["K31","Federal LCM contents","Answered — C054–C055","Actual voicemail and intended recipient unknown."],["K32","LCM versus Arizona identification","Held — C018, C055","Obtain authoritative responsive interpretation of R20-4-1507/-1520 and §1006.2(j); none opened in bounded official searches."],["K33","Email acquisition/transfer routes","Answered conditionally — C056–C058","Procedures, notice, opt-out, domain and knowledge records held."],["K34","Text route / 60-day condition","Answered conditionally — C059","Actual text/consent/reassignment evidence held; no database query made."],["K35","Electronic opt-out and oral medium stop","Answered — C060–C061","Actual wording, destination and scope held."],["K36","Employer-provided email","Answered — C062","Knowledge and qualifying route unverified."],["K37","Social media, postcards and envelopes","Answered narrowly — C063","Actual visibility/content and other privacy laws deferred."]]},{"headers":["Coverage row","Requested issue","Status / claim references","Exact missing evidence or next action"],"index":16,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Coverage row","Requested issue","Status / claim references","Exact missing evidence or next action"],["K38","Initial communication / five-day route","Answered — C064","Actual first covered communication and completeness held; no contested five-day endpoint calculated."],["K39","Successive collector’s notice","Answered — C065","Actual succession and communications held."],["K40","Formal pleading / mandatory-notice exclusions","Answered — C066","Classify actual document; full litigation/bankruptcy branches deferred."],["K41","Required validation fields","Answered — C067","Actual notice not inspected or approved."],["K42","Itemization-date choice and consistency","Answered — C068","Actual reference-date records and amount ascertainability held."],["K43","Amount versus ownership/evidence","Answered boundary — C069, C084–C085","Ownership chain and judgment-level evidence deferred."],["K44","Five-day assumed receipt / 30-day period","Answered — C070; Model 1","Actual provision/receipt dates held."],["K45","Actual versus assumed receipt","Partial — C071","Commentary read; disputed last-day submission/receipt litigation not resolved."],["K46","Wrong address, bounce and replacement","Answered — C071, C080","Actual delivery records and earlier compliance consequences held."],["K47","Oral dispute","Answered — C074–C075","No universal written-only rule; particular message and reporting facts held."],["K48","Timely written dispute / portion pause","Answered — C076–C078","Actual submission, receipt, timeliness and separable disputed portion held."],["K49","Original-creditor identity request","Answered — C072–C073","Actual original/current identity and response records held."],["K50","Duplicate disputes / new material information","Answered — C079","Compare actual submissions and prior response; no duplicate finding here."],["K51","E-SIGN and accepted electronic writing","Answered — C077, C081–C082","Actual consent, withdrawal, capabilities and accepted-medium records held."],["K52","Verification content","Partial — C084","Bounded federal holding read; no universal evidentiary checklist or actual adequacy finding."],["K53","Arizona five-day information / free specified copies","Answered posted text — C025–C026","Actor applicability and later-Register check remain."],["K54","Arizona evidence / investigation","Answered posted text — C027–C028","Actual evidence, asserted grounds and investigation completion held."],["K55","Verification obtained versus sent/received","Answered — C083; Model 3","Adequacy, proper delivery and independent restrictions held."],["K56","Silence, admission and extinguishment","Answered boundary — C078, C085","Debt validity, payment and discharge remain unproved."],["K57","Overshadowing / ongoing collection","Answered — C086–C087","Actual notice layout and surrounding conduct held; B-1 image not read."],["K58","Court deadlines and accrual distinguished","Deferred beyond boundary — C088","Read applicable court rules/served documents or accrual authorities in separate passes; no actual calendar here."]]},{"headers":["Coverage row","Requested issue","Status / claim references","Exact missing evidence or next action"],"index":17,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Coverage row","Requested issue","Status / claim references","Exact missing evidence or next action"],["K59","Selected Arizona statute currentness","Partial — C091, C096","Bounded TOSA checks completed; no all-enactment certificate."],["K60","2022 enactment and renumbering","Answered — C090","Residual §1004(D) cross-reference interpretation remains unestablished."],["K61","2023 rule adoption / commencement","Answered — C092","Earlier historical adoptions quoted in notes not separately reopened."],["K62","Post-Supplement-25-4 rule changes","Held — C093, S034","Read accessible official cumulative Register index and responsive final notices."],["K63","Federal operative text / effective dates","Answered within sources — C094, C096","No full all-litigation stay/vacatur certification."],["K64","Technical corrections / mirror error","Answered — C095","Use corrected eCFR/final-notice cross-reference; do not copy mirror typo."],["K65","Published majority bodies and posture","Answered narrowly — C009–C012, C041, C065, C074–C075, C084","Full subsequent-history research remains open."],["K66","Official opinion failures / reproductions","Partial — S029–S030","Official files for these two opinions remain unobtained; disclosed opinion reproductions read."],["K67","Unpublished opinions / citation restrictions","Not invoked — C097","No unpublished opinion relied on; if later used, first verify governing citation rule and format."],["K68","Federal whole-chapter and cross-reference failures","Resolved for material text — S013–S014, S023, S036–S037","Failed editions themselves remain unread; no absence inference."],["K69","Arizona AG guidance route","Held — S033","Obtain current accessible official page via a valid official index."],["K70","CFPB public information route","Answered as guidance — C089","No complaint, account or submission made."],["K71","Model 1: notice/receipt chronology","Completed conditional example","Actual delivery facts and boundary disputes held."],["K72","Model 2: full call reconciliation","Completed conditional example","Actual logs, contents, consent and state compatibility held."],["K73","Model 3: oral/written/verification sequence","Completed conditional example","Actual dispute, evidence and investigation held."],["K74","Model 4: electronic delivery/opt-out/original identity","Completed conditional example","Actual E-SIGN and communication records held."],["K75","At least 12 distinct fictional postures","Completed: 18 postures","Examples are not eligibility or permission decisions."]]},{"headers":["Territory/fact row","Subject","Status / relevant claims","Exact missing evidence or next action"],"index":18,"links":[],"row_links":[[],[],[],[],[],[],[],[],[]],"rows":[["Territory/fact row","Subject","Status / relevant claims","Exact missing evidence or next action"],["T01","Arizona statewide statutory/rule baseline","Partial — C013–C032, C090–C093","Later-Register reconciliation and actual actor applicability remain."],["T02","Interstate/remote collection into Arizona","Held beyond bounded text — C015–C016","Responsive jurisdiction, choice-of-law and contact facts required."],["T03","County court/local practice","Deferred — C088","No county inventory or individual county rule/form validation performed in P07. Any relevant local rule requires its own official-body check."],["T04","Municipal/local ordinances and administrative practices","Held","No local conduct ordinance inventory verified; check the actual relevant locality only in an authorized later pass."],["T05","Tribal law, jurisdiction and sovereign actors","Held","No tribal code, agreement, status or jurisdictional facts researched."],["T06","Federal versus Arizona state-court precedent treatment","Partial — C097","Federal published holdings identified; no separate state-court precedential-status dossier or forum selection."],["T07","Other states, territories and countries","Deferred","Federal definitions do not supply another jurisdiction’s complete conduct law. No country or parent acceptance."],["T08","Actual debt, contract, collector, consent, delivery and calendar facts","Held throughout","No private records queried. Any later application requires separately authorized evidence; none is inferred here."]]},{"headers":["Deferred row","Family","Boundary preserved","Exact later investigation"],"index":19,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Deferred row","Family","Boundary preserved","Exact later investigation"],["D01","Collection-agency licensing/security/application","P06 remains separate and unreviewed","Determine actual state license/exemption/security predicates in that component; no fees/bonds rerun here."],["D02","Debt-management/settlement/credit-repair/CROA models and fees","P01/P02 do not establish collector status","Separate provider-model, agreement, fee and federal ancillary-law investigations."],["D03","Full debt merits, validity, payment and identity theft","Validation is not adjudication","Obtain authorized merits evidence and applicable substantive law."],["D04","Service and venue","C088 boundary only","Read governing court rules/statutes and actual service facts."],["D05","Answers, default and vacatur","No live deadline calculated","Separate court-specific procedural investigation."],["D06","Standing, ownership chain and trial evidence","C069/C084 boundary only","Published evidentiary/standing authorities and actual admissible records."],["D07","Limitation, accrual, acknowledgment and revival","P05 not imported","Separate source-supported clock analysis."],["D08","Judgment duration, renewal and execution","No renewal premise","Separate judgment-enforcement gateway."],["D09","Earnings, bank accounts and property exemptions","P03/P04 not imported","Separate enforcement and exemption regimes."],["D10","Homestead, foreclosure, repossession and secured debt","C012 only","Full security-enforcement law and facts."],["D11","Damages, penalties, remedies and complete defenses","No amounts supplied","Separate statutory-remedy and controlling-case analysis; §1692k(c) used only for C056."],["D12","TCPA, DNC and automated-contact consent","Regulation F does not clear these","Fresh FCC/statutory/case research before any contact conclusion."],["D13","Full FCRA, reporting accuracy and reinvestigation","C047–C048 only","Full furnisher/CRA obligations and actual reporting facts."],["D14","Privacy, data security and recording laws","No privacy permission inferred","Applicable federal/state/local privacy and consent law."],["D15","Bankruptcy stay/discharge and military protections","Allegations do not establish status","Separate operative law, order/status and exception evidence."],["D16","Tax, support, student, medical, utilities and other special sectors","Ordinary consumer gateway only","Debt-specific statutes and regulations, including any special notice rules."],["D17","General Arizona consumer fraud and professional rules","Original-creditor/attorney exclusion is not general immunity","Separate statutes, professional rules and responsive holdings."],["D18","Contract defenses, arbitration and choice of law","No contract accepted or interpreted","Actual authorized agreement and governing-law research."],["D19","Minority, disability, government and special bad-check programs","No special eligibility finding","Read complete responsive cross-references and actual status predicates."],["D20","Full collector record-retention, supervision and enforcement procedures","Not established by these conduct excerpts","Separate operative administrative and federal recordkeeping analysis."],["D21","Complete state/country/parent dossier","All broader categories remain open","Separate focused passes and actual coordinator review; no A066/A097/A098 acceptance."]]},{"headers":["Original reviewed P01 topic","Original disposition and next action, preserved","Narrow P07 contribution","Status that remains"],"index":20,"links":[],"row_links":[[],[]],"rows":[["Original reviewed P01 topic","Original disposition and next action, preserved","Narrow P07 contribution","Status that remains"],["“Full collection, litigation, limitations, debtor-property exemptions, secured debt, sectors, local and tribal law, contract defenses/choice of law, broader case law”","“Excluded from completion of this pass; all remain open.” “Separate focused investigations are required. Nothing in this component supplies statewide or A066 acceptance.”","Fresh communication/validation/dispute findings C001–C089, with version and authority limits C090–C097; corresponding K/T/D coverage rows.","Original parent row remains component_partial_not_accepted_remaining_required_work as supplied. P07 contributes only this narrow slice. P02 renewal and P03–P06 unreviewed work are neither resolved nor accepted here."]]}],"claims":[{"claim_id":"S_AZ-P07-C001","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P07-C001","Actor / predicate":"Natural person and asserted obligation","Required classification, consequence or boundary":"Federal “debt” requires a transaction primarily for personal, family or household purposes; a judgment can remain within that definition. A natural-person borrower alone does not convert business debt into consumer debt.","Exact authority; exceptions and confidence":"S013, §1692a(3), (5); S016–S017, §1006.2(d), (h). H; actual purpose held."},"coordinator_verification_status":"supported_proposition_with_UNSENT_definition_pinpoint_correction","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Natural-person and personal/family/household definition in dated1006.2(e)/(h); wrong consumer pinpoint corrected only by Q001.","coordinator_acceptance":"not_accepted_with_remaining_evidence_and_application_holds","coordinator_material_findings":["S_AZ-P07-Q001"]},{"claim_id":"S_AZ-P07-C002","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P07-C002","Actor / predicate":"Collector’s message or contact effort","Required classification, consequence or boundary":"Conveying debt information directly or indirectly is a communication. Regulation F also regulates attempts, including qualifying limited-content messages; an unsuccessful attempt need not be a communication.","Exact authority; exceptions and confidence":"S013, §1692a(2); S016–S017, §1006.2(a), (c), (j). H."},"coordinator_verification_status":"supported_proposition_with_UNSENT_definition_pinpoint_correction","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Attempt and communication definitions in dated1006.2(b)/(d); wrong pinpoints corrected only by Q002. Full LCM details held.","coordinator_acceptance":"not_accepted_with_remaining_evidence_and_application_holds","coordinator_material_findings":["S_AZ-P07-Q002"]},{"claim_id":"S_AZ-P07-C003","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P07-C003","Actor / predicate":"Business using interstate instrumentalities or mail","Required classification, consequence or boundary":"Test both principal-purpose collection and regular collection of debts owed another. The alternatives must be tested independently.","Exact authority; exceptions and confidence":"S013, §1692a(6), opening definition; S016–S017, §1006.2(i)(1). H."},"coordinator_verification_status":"selected_claim_parts_supported_with_remaining_primary_currentness_application_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Alternative principal-purpose/owed-another tests in dated1006.2(i)(1).","coordinator_acceptance":"not_accepted_with_remaining_evidence_and_application_holds"},{"claim_id":"S_AZ-P07-C004","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P07-C004","Actor / predicate":"Original creditor collecting its own account","Required classification, consequence or boundary":"Own-account collection does not satisfy the owed-another route merely because payment is demanded. Use of another name suggesting a third-party collector invokes an express inclusion; other applicable predicates still require testing.","Exact authority; exceptions and confidence":"S013, §1692a(4), (6); S017, §1006.2(g), (i)(1). H; no blanket original-creditor clearance."},"coordinator_verification_status":"selected_claim_parts_supported_with_remaining_primary_currentness_application_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Own-account/other-name distinction in dated1006.2(g)/(i)(1); business facts held.","coordinator_acceptance":"not_accepted_with_remaining_evidence_and_application_holds"},{"claim_id":"S_AZ-P07-C005","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P07-C005","Actor / predicate":"Creditor’s officer or employee","Required classification, consequence or boundary":"The federal exclusion requires collection for that creditor in the creditor’s name. Independent contractors do not receive this exclusion merely by being called staff.","Exact authority; exceptions and confidence":"S013, §1692a(6)(A); S017, §1006.2(i)(2)(i). H; employment/name facts held."},"coordinator_verification_status":"selected_claim_parts_supported_with_remaining_primary_currentness_application_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Employee exclusion creditor-name predicate in dated1006.2(i)(2)(i).","coordinator_acceptance":"not_accepted_with_remaining_evidence_and_application_holds"},{"claim_id":"S_AZ-P07-C006","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P07-C006","Actor / predicate":"Affiliate collector","Required classification, consequence or boundary":"Federal exclusion requires collection only for related/common-control entities and a principal business other than debt collection. Corporate affiliation alone is insufficient.","Exact authority; exceptions and confidence":"S013, §1692a(6)(B); S017, §1006.2(i)(2)(ii). H."},"coordinator_verification_status":"selected_claim_parts_supported_with_remaining_primary_currentness_application_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Related-only and principal-business predicates in dated1006.2(i)(2)(ii).","coordinator_acceptance":"not_accepted_with_remaining_evidence_and_application_holds"},{"claim_id":"S_AZ-P07-C007","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P07-C007","Actor / predicate":"Servicer or other person collecting another’s debt","Required classification, consequence or boundary":"The exclusion applies only to the specified extent: incidental fiduciary/escrow activity, originated debt, debt not in default when obtained, or specified commercial-secured-party collection. Default acquisition alone does not decide every prong.","Exact authority; exceptions and confidence":"S013, §1692a(6)(F)(i)–(iv); S017, §1006.2(i)(2)(vi); S024–S025. H; actual default and acquisition facts held."},"coordinator_verification_status":"selected_claim_parts_supported_with_remaining_primary_currentness_application_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Extent-limited exclusions in dated1006.2(i)(2)(vi); case bodies and actual default held.","coordinator_acceptance":"not_accepted_with_remaining_evidence_and_application_holds"},{"claim_id":"S_AZ-P07-C008","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P07-C008","Actor / predicate":"Government personnel, process server, nonprofit counselor","Required classification, consequence or boundary":"Exclusions are activity-specific: official duties; service of process; or bona fide nonprofit counseling receiving/distributing payments at consumers’ request. A title or nonprofit label alone is insufficient.","Exact authority; exceptions and confidence":"S013, §1692a(6)(C)–(E); S017, §1006.2(i)(2)(iii)–(v). H. Separate bad-check-program statutory conditions remain held."},"coordinator_verification_status":"selected_claim_parts_supported_with_remaining_primary_currentness_application_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Official/process/nonprofit activity exclusions in dated1006.2(i)(2)(iii)–(v); bad-check and actual activity held.","coordinator_acceptance":"not_accepted_with_remaining_evidence_and_application_holds"},{"claim_id":"S_AZ-P07-C009","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P07-C009","Actor / predicate":"Buyer collecting purchased debt for itself","Required classification, consequence or boundary":"Henson rejects coverage under the owed-another prong based solely on the debt’s defaulted status before purchase; it expressly leaves principal-purpose coverage undecided.","Exact authority; exceptions and confidence":"S024, slip pp.1–3, 5–11/PDF2–4, 6–12. L."},"coordinator_verification_status":"specific_body_or_complete_crossreference_unreopened_held","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Original complete atomic row read at text level; specific controlling body, exceptions/version/cross-references and any cited judicial holding not freshly checked in this review. Original source/access/application holds remain; no all-claim acceptance.","coordinator_acceptance":"not_accepted_with_remaining_evidence_and_application_holds"},{"claim_id":"S_AZ-P07-C010","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P07-C010","Actor / predicate":"Buyer whose principal purpose is collecting purchased debts through contractors","Required classification, consequence or boundary":"Outsourcing does not itself remove principal-purpose coverage. McAdory found the pleaded business model sufficient and remanded; ultimate responsibility for particular misconduct was not finally resolved.","Exact authority; exceptions and confidence":"S025, majority pp.11–17/PDF10–16. L."},"coordinator_verification_status":"specific_body_or_complete_crossreference_unreopened_held","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Original complete atomic row read at text level; specific controlling body, exceptions/version/cross-references and any cited judicial holding not freshly checked in this review. Original source/access/application holds remain; no all-claim acceptance.","coordinator_acceptance":"not_accepted_with_remaining_evidence_and_application_holds"},{"claim_id":"S_AZ-P07-C011","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P07-C011","Actor / predicate":"Attorney regularly collecting consumer debts","Required classification, consequence or boundary":"Litigation-related collection can fall within the FDCPA. There is no general federal attorney exemption.","Exact authority; exceptions and confidence":"S026, 514 U.S. pp.292–299/PDF1–8; S013, §1692a amendment notes. L/H; particular conduct still tested separately."},"coordinator_verification_status":"specific_body_or_complete_crossreference_unreopened_held","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Original complete atomic row read at text level; specific controlling body, exceptions/version/cross-references and any cited judicial holding not freshly checked in this review. Original source/access/application holds remain; no all-claim acceptance.","coordinator_acceptance":"not_accepted_with_remaining_evidence_and_application_holds"},{"claim_id":"S_AZ-P07-C012","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P07-C012","Actor / predicate":"Person engaged only in specified security-interest enforcement","Required classification, consequence or boundary":"Obduskey applies the limited-purpose definition for §1692f(6) to its nonjudicial-foreclosure posture. Ordinary money demands or other collection business require separate analysis.","Exact authority; exceptions and confidence":"S027, slip pp.6–14/PDF8–16; S013, §1692a(6), security-interest sentence. L; foreclosure/repo regime deferred."},"coordinator_verification_status":"specific_body_or_complete_crossreference_unreopened_held","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Original complete atomic row read at text level; specific controlling body, exceptions/version/cross-references and any cited judicial holding not freshly checked in this review. Original source/access/application holds remain; no all-claim acceptance.","coordinator_acceptance":"not_accepted_with_remaining_evidence_and_application_holds"},{"claim_id":"S_AZ-P07-C013","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P07-C013","Actor / predicate":"Arizona claim/agency/debtor","Required classification, consequence or boundary":"Arizona’s general claim and rule debt definitions do not contain the federal personal/family/household limitation. State contact includes attempted contact; agency status derives from state definitions.","Exact authority; exceptions and confidence":"S001, §32-1001(1), (2), (6); S002, R20-4-1501, p.38/PDF39. H/HR."},"coordinator_verification_status":"specific_body_or_complete_crossreference_unreopened_held","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Original complete atomic row read at text level; specific controlling body, exceptions/version/cross-references and any cited judicial holding not freshly checked in this review. Original source/access/application holds remain; no all-claim acceptance.","coordinator_acceptance":"not_accepted_with_remaining_evidence_and_application_holds"},{"claim_id":"S_AZ-P07-C014","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P07-C014","Actor / predicate":"Arizona exempt-category actor","Required classification, consequence or boundary":"§32-1004’s exemptions are conditioned on regular-course activity and retain specified statutory duties. Attorney, employee, institutional, affiliate and billing-service predicates differ. The entire agency-rule article is not automatically imposed on every exempt actor.","Exact authority; exceptions and confidence":"S001, §32-1004(A), especially (1)–(3), (7), (13)–(14), (B)–(D). Billing exception requires all five conditions; institutional cross-reference eligibility remains P06 work. H; actual exemption held."},"coordinator_verification_status":"specific_body_or_complete_crossreference_unreopened_held","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Original complete atomic row read at text level; specific controlling body, exceptions/version/cross-references and any cited judicial holding not freshly checked in this review. Original source/access/application holds remain; no all-claim acceptance.","coordinator_acceptance":"not_accepted_with_remaining_evidence_and_application_holds"},{"claim_id":"S_AZ-P07-C015","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P07-C015","Actor / predicate":"Remote collector contacting an Arizona debtor","Required classification, consequence or boundary":"Federal mail/interstate predicates and Arizona territorial applicability are distinct. Arizona text contemplates an agency without an Arizona office, so office absence alone cannot resolve coverage. The complete remote-contact jurisdiction test was not established.","Exact authority; exceptions and confidence":"S001, §32-1055(A), (B), (D)(2); S013, §1692a(6). P/Hold on actual nexus and choice of law."},"coordinator_verification_status":"specific_body_or_complete_crossreference_unreopened_held","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Original complete atomic row read at text level; specific controlling body, exceptions/version/cross-references and any cited judicial holding not freshly checked in this review. Original source/access/application holds remain; no all-claim acceptance.","coordinator_acceptance":"not_accepted_with_remaining_evidence_and_application_holds"},{"claim_id":"S_AZ-P07-C016","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P07-C016","Actor / predicate":"Concurrent state and federal protections","Required classification, consequence or boundary":"The FDCPA preserves state protections except to the extent of inconsistency; greater consumer protection is not inconsistent merely because it is greater.","Exact authority; exceptions and confidence":"S013, §1692n; S016, §1006.104. H; no complete preemption/choice-of-law opinion."},"coordinator_verification_status":"specific_body_or_complete_crossreference_unreopened_held","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Original complete atomic row read at text level; specific controlling body, exceptions/version/cross-references and any cited judicial holding not freshly checked in this review. Original source/access/application holds remain; no all-claim acceptance.","coordinator_acceptance":"not_accepted_with_remaining_evidence_and_application_holds"},{"claim_id":"S_AZ-P07-C017","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P07-C017","Actor / predicate":"Regulation F actor and covered product","Required classification, consequence or boundary":"Regulation F’s coverage clause includes its statutory auto-dealer boundary. Some validation fields apply only to debt related to a consumer financial product/service. Neither qualification creates a universal FDCPA exemption.","Exact authority; exceptions and confidence":"S016, §1006.1(c), §1006.34(c)(2)(iii), (c)(3)(iv); S022, §§5481, 5519. H; special-sector eligibility held."},"coordinator_verification_status":"specific_body_or_complete_crossreference_unreopened_held","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Original complete atomic row read at text level; specific controlling body, exceptions/version/cross-references and any cited judicial holding not freshly checked in this review. Original source/access/application holds remain; no all-claim acceptance.","coordinator_acceptance":"not_accepted_with_remaining_evidence_and_application_holds"},{"claim_id":"S_AZ-P07-C018","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P07-C018","Actor / predicate":"Covered Arizona agency and its personnel","Required act, trigger or consequence":"Agency communications must identify the agency’s collection role; personnel must indicate their collector role and cannot misrepresent their position.","Exact authority; exceptions and confidence":"S002, R20-4-1507(1)–(4), p.40/PDF41; R20-4-1520(A)–(B), p.42/PDF43. HR; federal LCM reconciliation held."},"coordinator_verification_status":"selected_claim_parts_supported_with_remaining_primary_currentness_application_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":"R1507/1520(A–B) selected identity duties; no LCM harmonization accepted.","coordinator_acceptance":"not_accepted_with_remaining_evidence_and_application_holds"},{"claim_id":"S_AZ-P07-C019","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P07-C019","Actor / predicate":"Covered agency discussing legal consequences","Required act, trigger or consequence":"No false law/process/arrest representations, nonexistent filed suits, insincere suit/referral threats, false waiver-by-silence statements or misrepresented remedies.","Exact authority; exceptions and confidence":"S002, R20-4-1508; -1509(B)–(D); -1510, pp.40–41/PDF41–42. HR; actual litigation procedure deferred."},"coordinator_verification_status":"selected_claim_parts_supported_with_remaining_primary_currentness_application_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":"R1508/1509(B–D)/1510 selected false-law/process/threat/waiver/remedy restrictions.","coordinator_acceptance":"not_accepted_with_remaining_evidence_and_application_holds"},{"claim_id":"S_AZ-P07-C020","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P07-C020","Actor / predicate":"Agency collection directed at any person","Required act, trigger or consequence":"Oppressive harassment, humiliation, criminal insinuations and obscene/abusive collection language are prohibited.","Exact authority; exceptions and confidence":"S002, R20-4-1511(A)–(D), p.41/PDF42. HR."},"coordinator_verification_status":"specific_body_or_complete_crossreference_unreopened_held","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Original complete atomic row read at text level; specific controlling body, exceptions/version/cross-references and any cited judicial holding not freshly checked in this review. Original source/access/application holds remain; no all-claim acceptance.","coordinator_acceptance":"not_accepted_with_remaining_evidence_and_application_holds"},{"claim_id":"S_AZ-P07-C021","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P07-C021","Actor / predicate":"Agency telephone contact","Required act, trigger or consequence":"Calls must occur at reasonable hours; workplace contact follows a failed reasonable residence-contact attempt under this state rule.","Exact authority; exceptions and confidence":"S002, R20-4-1512(A), p.41/PDF42. HR. This does not override C035’s federal workplace restriction."},"coordinator_verification_status":"selected_claim_parts_supported_with_remaining_primary_currentness_application_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":"R1512(A) reasonable-hour and failed residence-contact predicate; separate federal workplace restriction preserved.","coordinator_acceptance":"not_accepted_with_remaining_evidence_and_application_holds"},{"claim_id":"S_AZ-P07-C022","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P07-C022","Actor / predicate":"Agency contacting friends, relatives, neighbors or employers","Required act, trigger or consequence":"No prohibited debt disclosure, pressure request or request that a nonobligated third party pay. The rule separately preserves lawful postjudgment writ service.","Exact authority; exceptions and confidence":"S002, R20-4-1512(B)–(C), p.41/PDF42. HR; writ procedures not analyzed."},"coordinator_verification_status":"selected_claim_parts_supported_with_remaining_primary_currentness_application_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":"R1512(B–C) selected third-party disclosure/pressure/payment and lawful postjudgment writ distinction.","coordinator_acceptance":"not_accepted_with_remaining_evidence_and_application_holds"},{"claim_id":"S_AZ-P07-C023","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P07-C023","Actor / predicate":"Debtor tells agency of counsel and requests communication through counsel","Required act, trigger or consequence":"Agency must stop direct and indirect debtor contact; the stated later-contact route is learning from the named lawyer that the lawyer does not represent the debtor.","Exact authority; exceptions and confidence":"S002, R20-4-1513(A), p.41/PDF42. HR. Do not import the federal reasonable-nonresponse exception into this text."},"coordinator_verification_status":"selected_claim_parts_supported_with_remaining_primary_currentness_application_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":"R1513(A) actual state counsel-stop condition without importing federal nonresponse exception.","coordinator_acceptance":"not_accepted_with_remaining_evidence_and_application_holds"},{"claim_id":"S_AZ-P07-C024","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P07-C024","Actor / predicate":"Debtor gives written refusal-to-pay or cease notice","Required act, trigger or consequence":"Agency stops contact subject to the state rule’s termination and customary-specified-remedy notices. A mailed notice becomes effective on agency receipt.","Exact authority; exceptions and confidence":"S002, R20-4-1513(B)–(D), p.41/PDF42. HR. State exceptions must not be replaced wholesale with the federal list."},"coordinator_verification_status":"selected_claim_parts_supported_with_remaining_primary_currentness_application_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":"R1513(B–D) state cease/refusal and two stated exception classes, mail receipt predicate.","coordinator_acceptance":"not_accepted_with_remaining_evidence_and_application_holds"},{"claim_id":"S_AZ-P07-C025","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P07-C025","Actor / predicate":"Agency’s initial debtor communication","Required act, trigger or consequence":"Within five days, obtain and be able to provide creditor identity, creation time/place, exchanged goods/services/value, and placement date.","Exact authority; exceptions and confidence":"S002, R20-4-1514(A)(1)–(4), p.41/PDF42. HR. This is not worded as the federal five-day notice."},"coordinator_verification_status":"selected_claim_parts_supported_with_remaining_primary_currentness_application_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":"R1514(A) five days to obtain/be able to inform; distinct from dispatching federal notice.","coordinator_acceptance":"not_accepted_with_remaining_evidence_and_application_holds"},{"claim_id":"S_AZ-P07-C026","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P07-C026","Actor / predicate":"Debtor seeks those specified records","Required act, trigger or consequence":"Provide access; on request, provide without charge copies from agency records containing the listed information.","Exact authority; exceptions and confidence":"S002, R20-4-1514(B)–(C), p.41/PDF42. HR; limited to the identified records, not universal discovery."},"coordinator_verification_status":"selected_claim_parts_supported_with_remaining_primary_currentness_application_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":"R1514(B–C) access/free copies of specified agency records.","coordinator_acceptance":"not_accepted_with_remaining_evidence_and_application_holds"},{"claim_id":"S_AZ-P07-C027","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P07-C027","Actor / predicate":"Debtor or debtor’s attorney requests evidence","Required act, trigger or consequence":"Agency must supply copies of its evidence of the debt.","Exact authority; exceptions and confidence":"S002, R20-4-1521, opening sentence, p.43/PDF44. HR. Text does not prescribe a universal original contract or notarized affidavit."},"coordinator_verification_status":"selected_claim_parts_supported_with_remaining_primary_currentness_application_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":"R1521 first sentence evidence copies on request.","coordinator_acceptance":"not_accepted_with_remaining_evidence_and_application_holds"},{"claim_id":"S_AZ-P07-C028","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P07-C028","Actor / predicate":"Agency has supplied evidence and receives a specified non-liability claim","Required act, trigger or consequence":"Before continuing collection, investigate claimed misidentification, payment, bankruptcy discharge, or another reasonable claim that the debt is not owed.","Exact authority; exceptions and confidence":"S002, R20-4-1521(1)–(4), p.43/PDF44. HR. No express writing/30-day prerequisite appears here; do not invent an immediate universal pause outside the stated sequence."},"coordinator_verification_status":"selected_claim_parts_supported_with_remaining_primary_currentness_application_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":"R1521 stated evidence/investigation sequence and four non-liability predicates; no invented universal writing/30-day condition.","coordinator_acceptance":"not_accepted_with_remaining_evidence_and_application_holds"},{"claim_id":"S_AZ-P07-C029","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P07-C029","Actor / predicate":"Actor subject to retained §32-1051(3) duty","Required act, trigger or consequence":"Collection/attorney/court/expense charges require the statutory legal-chargeability or judicial-determination predicate.","Exact authority; exceptions and confidence":"S001, §32-1051(3), first sentence; §32-1004(A). H. Express attorney carveout in that sentence; no fee amount or actual charge approved."},"coordinator_verification_status":"specific_body_or_complete_crossreference_unreopened_held","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Original complete atomic row read at text level; specific controlling body, exceptions/version/cross-references and any cited judicial holding not freshly checked in this review. Original source/access/application holds remain; no all-claim acceptance.","coordinator_acceptance":"not_accepted_with_remaining_evidence_and_application_holds"},{"claim_id":"S_AZ-P07-C030","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P07-C030","Actor / predicate":"Licensee or actor subject to applicable retained statutory conduct clauses","Required act, trigger or consequence":"Unfair collection and specified misleading notices, false legal-department claims and state-vouching representations are restricted. Attorney exceptions in paragraphs (3)–(5) must be respected individually.","Exact authority; exceptions and confidence":"S001, §32-1051(3), second sentence, (4)(a)–(e), (5), (6); §32-1004(A). H; not a blanket attorney immunity or coverage finding."},"coordinator_verification_status":"specific_body_or_complete_crossreference_unreopened_held","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Original complete atomic row read at text level; specific controlling body, exceptions/version/cross-references and any cited judicial holding not freshly checked in this review. Original source/access/application holds remain; no all-claim acceptance.","coordinator_acceptance":"not_accepted_with_remaining_evidence_and_application_holds"},{"claim_id":"S_AZ-P07-C031","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P07-C031","Actor / predicate":"Covered agency demanding an added fee","Required act, trigger or consequence":"R20-4-1509(A) prohibits threatening or attempting charges the debtor is not obliged to pay under the contract with the agency’s creditor client.","Exact authority; exceptions and confidence":"S002, R20-4-1509(A), p.40/PDF41. HR. Federal agreement-or-law language does not itself resolve a disputed state charge route."},"coordinator_verification_status":"specific_body_or_complete_crossreference_unreopened_held","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Original complete atomic row read at text level; specific controlling body, exceptions/version/cross-references and any cited judicial holding not freshly checked in this review. Original source/access/application holds remain; no all-claim acceptance.","coordinator_acceptance":"not_accepted_with_remaining_evidence_and_application_holds"},{"claim_id":"S_AZ-P07-C032","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P07-C032","Actor / predicate":"Actor using claim-sale publicity to coerce payment","Required act, trigger or consequence":"Coercive advertising/threatened advertising of claims for sale is prohibited, subject to the stated assignee-for-creditors/court-order exceptions.","Exact authority; exceptions and confidence":"S001, §32-1055(C), as retained by §32-1004(A). H; actual exception facts held."},"coordinator_verification_status":"specific_body_or_complete_crossreference_unreopened_held","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Original complete atomic row read at text level; specific controlling body, exceptions/version/cross-references and any cited judicial holding not freshly checked in this review. Original source/access/application holds remain; no all-claim acceptance.","coordinator_acceptance":"not_accepted_with_remaining_evidence_and_application_holds"},{"claim_id":"S_AZ-P07-C033","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P07-C033","Actor / predicate":"Covered collector communicating or attempting contact","Required act, trigger or consequence":"Actual knowledge of inconvenience matters. Absent contrary knowledge, the ordinary time assumption is after 8 a.m. and before 9 p.m. at the consumer’s location.","Exact authority; exceptions and confidence":"S014, §1692c(a)(1); S016–S017, §1006.6(b)(1), commentary. H; not permission for every daytime contact."},"coordinator_verification_status":"selected_claim_parts_supported_with_remaining_primary_currentness_application_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":"1006.6(b)(1)(i) local-time/knowledge rule in selected text, without actual permission.","coordinator_acceptance":"not_accepted_with_remaining_evidence_and_application_holds"},{"claim_id":"S_AZ-P07-C034","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P07-C034","Actor / predicate":"Email/text or uncertain location","Required act, trigger or consequence":"Electronic-contact time is assessed when sent. Where available information creates conflicting time-zone possibilities, the commentary requires a time convenient under all implicated locations.","Exact authority; exceptions and confidence":"S017, comments 6(b)(1)-1 through -4. H; actual location/knowledge held."},"coordinator_verification_status":"selected_claim_parts_supported_with_remaining_primary_currentness_application_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":"1006.6 comment send-time and conflicting-location examples.","coordinator_acceptance":"not_accepted_with_remaining_evidence_and_application_holds"},{"claim_id":"S_AZ-P07-C035","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P07-C035","Actor / predicate":"Collector knows or has reason to know employer prohibits the contact","Required act, trigger or consequence":"Workplace communication/attempt is prohibited, subject to the specific direct-consent/court exceptions.","Exact authority; exceptions and confidence":"S014, §1692c(a)(3); S017, §1006.6(b)(3)–(4), comment 6(b)(3)-1. H. Failed home contact does not cure this."},"coordinator_verification_status":"selected_claim_parts_supported_with_remaining_primary_currentness_application_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":"1006.6(b)(3)/(4) known employer prohibition plus specific exceptions; failed home attempt does not displace it.","coordinator_acceptance":"not_accepted_with_remaining_evidence_and_application_holds"},{"claim_id":"S_AZ-P07-C036","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P07-C036","Actor / predicate":"Collector knows representation concerning the debt and knows/can readily ascertain counsel’s name/address","Required act, trigger or consequence":"Direct debtor contact is restricted; federal exceptions include counsel’s consent or failure to respond within a reasonable period.","Exact authority; exceptions and confidence":"S014, §1692c(a)(2); S017, §1006.6(b)(2). H; “reasonable” is not a fixed number established here; C023 remains separate."},"coordinator_verification_status":"selected_claim_parts_supported_with_remaining_primary_currentness_application_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":"1006.6(b)(2) known representation, readily ascertainable counsel, reasonable-nonresponse/consent; distinct state wording.","coordinator_acceptance":"not_accepted_with_remaining_evidence_and_application_holds"},{"claim_id":"S_AZ-P07-C037","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P07-C037","Actor / predicate":"Collector invokes consent or court permission","Required act, trigger or consequence":"Consent must be given directly to this collector under the prescribed conditions; creditor/prior-collector consent does not automatically suffice. Known inconvenient contact cannot be prolonged by asking consent to continue it.","Exact authority; exceptions and confidence":"S017, §1006.6(b)(4), comments 6(b)(4)(i)-1–2. H; actual consent/order held."},"coordinator_verification_status":"selected_claim_parts_supported_with_remaining_primary_currentness_application_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":"1006.6(b)(4) direct-consent/court exceptions and no obtaining consent to continue known inconvenient contact.","coordinator_acceptance":"not_accepted_with_remaining_evidence_and_application_holds"},{"claim_id":"S_AZ-P07-C038","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P07-C038","Actor / predicate":"Communication with someone other than the consumer","Required act, trigger or consequence":"Only listed recipients and specific exceptions qualify. Spouse/minor-parent/guardian/estate-representative treatment for this section does not itself impose debt liability on them.","Exact authority; exceptions and confidence":"S014, §1692c(b), (d); S017, §1006.6(a), (d)(1)–(2). H. Location, direct consent, court and necessary postjudgment exceptions remain bounded."},"coordinator_verification_status":"specific_body_or_complete_crossreference_unreopened_held","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Original complete atomic row read at text level; specific controlling body, exceptions/version/cross-references and any cited judicial holding not freshly checked in this review. Original source/access/application holds remain; no all-claim acceptance.","coordinator_acceptance":"not_accepted_with_remaining_evidence_and_application_holds"},{"claim_id":"S_AZ-P07-C039","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P07-C039","Actor / predicate":"Collector seeks location information","Required act, trigger or consequence":"Identify the individual caller; identify employer only if asked; do not reveal the debt. Generally contact the person once, subject to the specified request/correction exceptions; counsel knowledge limits this route.","Exact authority; exceptions and confidence":"S013, §§1692a(7), 1692b(1)–(6); S017, §1006.10(a)–(f). H."},"coordinator_verification_status":"specific_body_or_complete_crossreference_unreopened_held","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Original complete atomic row read at text level; specific controlling body, exceptions/version/cross-references and any cited judicial holding not freshly checked in this review. Original source/access/application holds remain; no all-claim acceptance.","coordinator_acceptance":"not_accepted_with_remaining_evidence_and_application_holds"},{"claim_id":"S_AZ-P07-C040","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P07-C040","Actor / predicate":"Consumer sends written refusal/cease notice, including accepted electronic writing","Required act, trigger or consequence":"Receipt triggers the communication/attempt prohibition, subject to termination, ordinarily invoked specified remedies, and intended specified-remedy notices.","Exact authority; exceptions and confidence":"S014, §1692c(c); S017, §1006.6(c), comment 6(c)(1)-1–2. H; no automatic debt cancellation."},"coordinator_verification_status":"selected_claim_parts_supported_with_remaining_primary_currentness_application_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Selected1006.6(c) receipt prohibition only; full federal exception list not newly returned.","coordinator_acceptance":"not_accepted_with_remaining_evidence_and_application_holds"},{"claim_id":"S_AZ-P07-C041","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P07-C041","Actor / predicate":"Consumer initiates a response after a restriction","Required act, trigger or consequence":"A limited response can be permissible within the initiating request. It does not generally authorize future unrelated contacts or erase known representation. Clark requires a bounded waiver analysis.","Exact authority; exceptions and confidence":"S017, comments 6(b)(1), 6(b)(2); S030, majority §I, cease-contact discussion. H/L; scope and recipient facts matter."},"coordinator_verification_status":"selected_claim_parts_supported_with_remaining_primary_currentness_application_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":"1006.6 consumer-initiated limited response and selected Clark majority heightened voluntary waiver; full actor callback facts held.","coordinator_acceptance":"not_accepted_with_remaining_evidence_and_application_holds"},{"claim_id":"S_AZ-P07-C042","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P07-C042","Actor / predicate":"Collector’s cumulative conduct toward any person","Required act, trigger or consequence":"Harassment/oppression/abuse prohibitions apply beyond numerical telephone presumptions, including threats of violence and obscene or abusive language.","Exact authority; exceptions and confidence":"S013, §1692d and (1)–(6); S017, §1006.14(a), (c)–(g). H."},"coordinator_verification_status":"selected_claim_parts_supported_with_remaining_primary_currentness_application_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":"1006.14(a) general/cumulative harassment restriction only; all listed threat/language subclauses not freshly returned.","coordinator_acceptance":"not_accepted_with_remaining_evidence_and_application_holds"},{"claim_id":"S_AZ-P07-C043","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P07-C043","Actor / predicate":"Collector represents amount, identity, status or consequences","Required act, trigger or consequence":"False amount/status, government or attorney identity, simulated process, and threats of action unlawful or not intended are prohibited. A transfer cannot falsely be said to eliminate defenses.","Exact authority; exceptions and confidence":"S013, §1692e(1)–(7), (9)–(10), (13), (16); S017, §1006.18(a)–(d). H; truth and legal entitlement are actual-fact questions."},"coordinator_verification_status":"specific_body_or_complete_crossreference_unreopened_held","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Original complete atomic row read at text level; specific controlling body, exceptions/version/cross-references and any cited judicial holding not freshly checked in this review. Original source/access/application holds remain; no all-claim acceptance.","coordinator_acceptance":"not_accepted_with_remaining_evidence_and_application_holds"},{"claim_id":"S_AZ-P07-C044","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P07-C044","Actor / predicate":"Initial and later covered communications","Required act, trigger or consequence":"Initial disclosure identifies debt collection and intended use of information; initial oral contact requires the prescribed first-written disclosure too. Later communications identify the collector. Formal pleadings have a narrow disclosure exception.","Exact authority; exceptions and confidence":"S013, §1692e(11); S017, §1006.18(e). H; not a blanket pleading exemption from all law."},"coordinator_verification_status":"specific_body_or_complete_crossreference_unreopened_held","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Original complete atomic row read at text level; specific controlling body, exceptions/version/cross-references and any cited judicial holding not freshly checked in this review. Original source/access/application holds remain; no all-claim acceptance.","coordinator_acceptance":"not_accepted_with_remaining_evidence_and_application_holds"},{"claim_id":"S_AZ-P07-C045","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P07-C045","Actor / predicate":"Collector demands interest, fee or incidental charge","Required act, trigger or consequence":"Amount must be expressly authorized by the agreement creating the debt or permitted by law. Listing it in a notice does not authorize it.","Exact authority; exceptions and confidence":"S013, §1692f(1); S017, §1006.22(a). H; agreement/law and Arizona C029/C031 remain unproved."},"coordinator_verification_status":"specific_body_or_complete_crossreference_unreopened_held","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Original complete atomic row read at text level; specific controlling body, exceptions/version/cross-references and any cited judicial holding not freshly checked in this review. Original source/access/application holds remain; no all-claim acceptance.","coordinator_acceptance":"not_accepted_with_remaining_evidence_and_application_holds"},{"claim_id":"S_AZ-P07-C046","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P07-C046","Actor / predicate":"Collector accepts or uses postdated payment instrument","Required act, trigger or consequence":"A date more than five days ahead invokes the specified advance-deposit notice; Regulation F counts that notice’s 3–10-day interval excluding Saturdays, Sundays and §6103(a) holidays. Early deposit and criminal-prosecution solicitation are separately restricted.","Exact authority; exceptions and confidence":"S013, §1692f(2)–(4); S017, §1006.22(b)(1)–(3); S023. H; no instrument or payment modeled."},"coordinator_verification_status":"specific_body_or_complete_crossreference_unreopened_held","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Original complete atomic row read at text level; specific controlling body, exceptions/version/cross-references and any cited judicial holding not freshly checked in this review. Original source/access/application holds remain; no all-claim acceptance.","coordinator_acceptance":"not_accepted_with_remaining_evidence_and_application_holds"},{"claim_id":"S_AZ-P07-C047","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P07-C047","Actor / predicate":"Collector communicates credit information it knows or should know is false","Required act, trigger or consequence":"Failure to communicate that a known disputed debt is disputed can violate the provision. The dispute need not satisfy the written-validation-pause predicate to matter here.","Exact authority; exceptions and confidence":"S013, §1692e(8); S017, §1006.18(c)(2); S029, Discussion. H/L; full FCRA obligations deferred."},"coordinator_verification_status":"specific_body_or_complete_crossreference_unreopened_held","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Original complete atomic row read at text level; specific controlling body, exceptions/version/cross-references and any cited judicial holding not freshly checked in this review. Original source/access/application holds remain; no all-claim acceptance.","coordinator_acceptance":"not_accepted_with_remaining_evidence_and_application_holds"},{"claim_id":"S_AZ-P07-C048","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P07-C048","Actor / predicate":"Collector furnishes to a consumer reporting agency","Required act, trigger or consequence":"First speak with the consumer or send a debt communication and reasonably wait/monitor for undeliverability. The commentary treats 14 consecutive days as reasonable, not a universal statutory deadline. A specified check-writing-specialty exception exists.","Exact authority; exceptions and confidence":"S017, §1006.30(a)(1)–(2), comments 30(a)(1)-1–3; S013, §1681a(f), (x)(3). H; no furnishing clearance."},"coordinator_verification_status":"specific_body_or_complete_crossreference_unreopened_held","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Original complete atomic row read at text level; specific controlling body, exceptions/version/cross-references and any cited judicial holding not freshly checked in this review. Original source/access/application holds remain; no all-claim acceptance.","coordinator_acceptance":"not_accepted_with_remaining_evidence_and_application_holds"},{"claim_id":"S_AZ-P07-C049","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P07-C049","Actor / predicate":"Collector places calls to a person concerning a particular debt","Required act, trigger or consequence":"More than seven counted calls in seven consecutive days, or a call within the post-conversation period, creates a rebuttable violation presumption. Staying below both creates only the specified rebuttable frequency presumption.","Exact authority; exceptions and confidence":"S017, §1006.14(b)(1)–(2), associated comments. H; not a universal cap or safe harbor."},"coordinator_verification_status":"selected_claim_parts_supported_with_remaining_primary_currentness_application_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":"1006.14(b) seven-call/seven-day and conversation presumptions plus limited effect; no universal safe harbor.","coordinator_acceptance":"not_accepted_with_remaining_evidence_and_application_holds"},{"claim_id":"S_AZ-P07-C050","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P07-C050","Actor / predicate":"Telephone conversation about the debt occurs","Required act, trigger or consequence":"Conversation date is day one of the seven-consecutive-day period. A consumer-initiated conversation can trigger it even though it is not an outgoing placed call.","Exact authority; exceptions and confidence":"S017, §1006.14(b)(2)(i)(B), comments on telephone conversations and counting. H."},"coordinator_verification_status":"selected_claim_parts_supported_with_remaining_primary_currentness_application_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":"1006.14(b)(2)(i)(B) conversation-day1; incoming conversation/multiple debts discussion counted.","coordinator_acceptance":"not_accepted_with_remaining_evidence_and_application_holds"},{"claim_id":"S_AZ-P07-C051","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P07-C051","Actor / predicate":"Particular outgoing call is classified","Required act, trigger or consequence":"Busy/out-of-service unconnected calls are excluded; ringing unanswered and voicemail connections count. Calls to specified professional recipients are excluded from these frequencies.","Exact authority; exceptions and confidence":"S017, §1006.14(b)(3)(ii)–(iii), comments 14(b)(3)(ii)-1–2. H; exclusions do not erase other restrictions."},"coordinator_verification_status":"selected_claim_parts_supported_with_remaining_primary_currentness_application_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":"1006.14(b)(3)(ii) busy/unconnected exclusion versus ringing/voicemail, and (iii) referenced-recipient exclusion; complete recipient eligibility held.","coordinator_acceptance":"not_accepted_with_remaining_evidence_and_application_holds"},{"claim_id":"S_AZ-P07-C052","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P07-C052","Actor / predicate":"Person directly consents to additional calls about a debt","Required act, trigger or consequence":"Frequency exclusion lasts no more than seven consecutive days, counting consent day as day one, and can end sooner through narrower consent, revocation or the next conversation.","Exact authority; exceptions and confidence":"S017, §1006.14(b)(3)(i), comments 1–3. H; cannot waive C033/C035/C061 by implication."},"coordinator_verification_status":"selected_claim_parts_supported_with_remaining_primary_currentness_application_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":"1006.14(b)(3)(i) seven days/direct consent/early expiry/revocation/next conversation and no other-contact waiver.","coordinator_acceptance":"not_accepted_with_remaining_evidence_and_application_holds"},{"claim_id":"S_AZ-P07-C053","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P07-C053","Actor / predicate":"One person has several debts","Required act, trigger or consequence":"Count by person and particular debt. A call/conversation concerning several debts can count for each; unconnected-to-content or general attempts must be allocated consistently with commentary, not ignored.","Exact authority; exceptions and confidence":"S017, §1006.14(b)(2), (4), associated multiple-debt comments. H; limited student-loan grouping is a separate boundary."},"coordinator_verification_status":"selected_claim_parts_supported_with_remaining_primary_currentness_application_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":"1006.14(b)(4) per-debt counting and multiple-debt call/conversation distinction; no actual allocation accepted.","coordinator_acceptance":"not_accepted_with_remaining_evidence_and_application_holds"},{"claim_id":"S_AZ-P07-C054","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P07-C054","Actor / predicate":"Collector leaves a proposed limited-content message","Required act, trigger or consequence":"It must be a voicemail for the consumer with a non-collection-indicating business name, reply request, natural-person contact name and return number. Only the listed optional salutation/time/callback/representative content may be added.","Exact authority; exceptions and confidence":"S017, §1006.2(j)(1)–(2). H; email/text are not this voicemail category."},"coordinator_verification_status":"specific_body_or_complete_crossreference_unreopened_held","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Original complete atomic row read at text level; specific controlling body, exceptions/version/cross-references and any cited judicial holding not freshly checked in this review. Original source/access/application holds remain; no all-claim acceptance.","coordinator_acceptance":"not_accepted_with_remaining_evidence_and_application_holds"},{"claim_id":"S_AZ-P07-C055","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P07-C055","Actor / predicate":"LCM reaches a known third party or contains extra collection detail","Required act, trigger or consequence":"A knowingly third-party message or excess content does not qualify. A federal LCM remains an attempt and does not resolve Arizona’s role-identification rules.","Exact authority; exceptions and confidence":"S017, comments 2(j)-1–3; S002, R20-4-1507, -1520(B). H federally; Arizona harmonization Hold."},"coordinator_verification_status":"selected_claim_parts_supported_with_remaining_primary_currentness_application_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Dated1006.2(j) no-extra-content definition and R1507/1520 identity wording only; known-third-party commentary/harmonization held.","coordinator_acceptance":"not_accepted_with_remaining_evidence_and_application_holds"},{"claim_id":"S_AZ-P07-C056","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P07-C056","Actor / predicate":"Collector relies on email/text third-party-disclosure procedures","Required act, trigger or consequence":"Reasonably confirm and document the specified address/number route and avoid a destination known to have caused prohibited disclosure. These are procedures relevant to a bona fide-error defense, not blanket authorization or automatic immunity.","Exact authority; exceptions and confidence":"S017, §1006.6(d)(3); S013, §1692k(c). H; intent, procedures and evidentiary burden remain fact dependent."},"coordinator_verification_status":"specific_body_or_complete_crossreference_unreopened_held","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Original complete atomic row read at text level; specific controlling body, exceptions/version/cross-references and any cited judicial holding not freshly checked in this review. Original source/access/application holds remain; no all-claim acceptance.","coordinator_acceptance":"not_accepted_with_remaining_evidence_and_application_holds"},{"claim_id":"S_AZ-P07-C057","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P07-C057","Actor / predicate":"Email route rests on consumer or prior collector","Required act, trigger or consequence":"Consumer debt-related use/no opt-out or direct unwithdrawn consent can supply a route. Prior-collector route additionally requires qualifying acquisition and actual use by the immediately prior collector, without opt-out.","Exact authority; exceptions and confidence":"S017, §1006.6(d)(4)(i), (iii), comments. H; C056 and disclosure-delivery duties remain separate."},"coordinator_verification_status":"specific_body_or_complete_crossreference_unreopened_held","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Original complete atomic row read at text level; specific controlling body, exceptions/version/cross-references and any cited judicial holding not freshly checked in this review. Original source/access/application holds remain; no all-claim acceptance.","coordinator_acceptance":"not_accepted_with_remaining_evidence_and_application_holds"},{"claim_id":"S_AZ-P07-C058","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P07-C058","Actor / predicate":"Email route rests on creditor transfer notice","Required act, trigger or consequence":"Requires creditor acquisition/use, specified advance notice, at least 35 days to opt out, expiration without opt-out, and the qualifying public-domain/non-employer conditions.","Exact authority; exceptions and confidence":"S017, §1006.6(d)(4)(ii)(A)–(E). H; an address transferred in a data file alone does not establish the route."},"coordinator_verification_status":"specific_body_or_complete_crossreference_unreopened_held","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Original complete atomic row read at text level; specific controlling body, exceptions/version/cross-references and any cited judicial holding not freshly checked in this review. Original source/access/application holds remain; no all-claim acceptance.","coordinator_acceptance":"not_accepted_with_remaining_evidence_and_application_holds"},{"claim_id":"S_AZ-P07-C059","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P07-C059","Actor / predicate":"Text-message route","Required act, trigger or consequence":"Requires qualifying prior text use or direct consent, no withdrawal/opt-out, and the prescribed 60-day recent-text/consent or reassignment-confirmation condition. A voice call alone does not establish the prior-text route.","Exact authority; exceptions and confidence":"S017, §1006.6(d)(5)(i)–(ii), comments. H; no database or number queried."},"coordinator_verification_status":"specific_body_or_complete_crossreference_unreopened_held","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Original complete atomic row read at text level; specific controlling body, exceptions/version/cross-references and any cited judicial holding not freshly checked in this review. Original source/access/application holds remain; no all-claim acceptance.","coordinator_acceptance":"not_accepted_with_remaining_evidence_and_application_holds"},{"claim_id":"S_AZ-P07-C060","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P07-C060","Actor / predicate":"Electronic communication/attempt to an address or number","Required act, trigger or consequence":"Include a clear, conspicuous, reasonable and simple opt-out method. Do not impose a fee or demand unnecessary information beyond the preference and destination.","Exact authority; exceptions and confidence":"S017, §1006.6(e), commentary. H."},"coordinator_verification_status":"specific_body_or_complete_crossreference_unreopened_held","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Original complete atomic row read at text level; specific controlling body, exceptions/version/cross-references and any cited judicial holding not freshly checked in this review. Original source/access/application holds remain; no all-claim acceptance.","coordinator_acceptance":"not_accepted_with_remaining_evidence_and_application_holds"},{"claim_id":"S_AZ-P07-C061","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P07-C061","Actor / predicate":"Consumer requests no contact through a medium/address","Required act, trigger or consequence":"Oral requests can trigger the medium restriction. An address-specific opt-out applies to that collector’s use of that address across debts; narrow confirmation, consumer-initiated-response and legally required-medium exceptions remain.","Exact authority; exceptions and confidence":"S017, §1006.14(h)(1)–(2), commentary. H; stopping one channel is not necessarily an all-channel cease notice."},"coordinator_verification_status":"selected_claim_parts_supported_with_remaining_primary_currentness_application_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":"1006.14(h) stop-medium/address restriction and narrow exceptions; no all-channel waiver.","coordinator_acceptance":"not_accepted_with_remaining_evidence_and_application_holds"},{"claim_id":"S_AZ-P07-C062","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P07-C062","Actor / predicate":"Collector knows an email address is employer provided","Required act, trigger or consequence":"Use is generally prohibited except the specified consumer/prior-collector routes. Creditor-transfer procedures do not authorize known workplace email.","Exact authority; exceptions and confidence":"S017, §1006.22(f)(3); §1006.6(d)(4)(i), (iii). H; actual knowledge/route held."},"coordinator_verification_status":"specific_body_or_complete_crossreference_unreopened_held","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Original complete atomic row read at text level; specific controlling body, exceptions/version/cross-references and any cited judicial holding not freshly checked in this review. Original source/access/application holds remain; no all-claim acceptance.","coordinator_acceptance":"not_accepted_with_remaining_evidence_and_application_holds"},{"claim_id":"S_AZ-P07-C063","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P07-C063","Actor / predicate":"Social-media or postal collection contact","Required act, trigger or consequence":"Publicly visible social-media contact is restricted. Private messaging still faces other requirements. Postcards and collection-revealing envelope markings have separate prohibitions.","Exact authority; exceptions and confidence":"S013, §1692f(7)–(8); S017, §1006.22(f)(1)–(2), (4). H; no TCPA/privacy/FCRA clearance."},"coordinator_verification_status":"specific_body_or_complete_crossreference_unreopened_held","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Original complete atomic row read at text level; specific controlling body, exceptions/version/cross-references and any cited judicial holding not freshly checked in this review. Original source/access/application holds remain; no all-claim acceptance.","coordinator_acceptance":"not_accepted_with_remaining_evidence_and_application_holds"},{"claim_id":"S_AZ-P07-C064","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P07-C064","Actor / predicate":"Collector makes its initial covered communication","Trigger, required step, clock or consequence":"Provide complete validation information in that communication or send the required notice within five days. Complete oral initial information is a regulatory route; payment before the follow-up notice becomes due is an exception.","Exact authority; exceptions and confidence":"S013, §1692g(a); S017, §1006.34(a)(1)–(2). H. No universal “five business days” substitution established."},"coordinator_verification_status":"selected_claim_parts_supported_with_remaining_primary_currentness_application_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":"1692g(a)/1006.34(a) five-day dispatch, complete initial oral route and payment-before-due exception.","coordinator_acceptance":"not_accepted_with_remaining_evidence_and_application_holds"},{"claim_id":"S_AZ-P07-C065","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P07-C065","Actor / predicate":"A new collector takes over the account","Trigger, required step, clock or consequence":"Its own initial covered communication triggers its notice obligation; a predecessor’s notice is not a universal substitute.","Exact authority; exceptions and confidence":"S028, pp.25–26/PDF24–25; S017, §1006.34(b)(2). L/H."},"coordinator_verification_status":"specific_body_or_complete_crossreference_unreopened_held","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Original complete atomic row read at text level; specific controlling body, exceptions/version/cross-references and any cited judicial holding not freshly checked in this review. Original source/access/application holds remain; no all-claim acceptance.","coordinator_acceptance":"not_accepted_with_remaining_evidence_and_application_holds"},{"claim_id":"S_AZ-P07-C066","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P07-C066","Actor / predicate":"First contact is a formal pleading or specified mandatory noncollection notice","Trigger, required step, clock or consequence":"Formal pleadings and the specified noncollection tax/financial-privacy/breach notices are excluded from the initial-communication trigger.","Exact authority; exceptions and confidence":"S013, §1692g(d)–(e); S017, §1006.34(b)(2)(i)–(iii), commentary. H; no general litigation immunity."},"coordinator_verification_status":"selected_claim_parts_supported_with_remaining_primary_currentness_application_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":"1692g(d–e) formal pleading/specified noncollection notices excluded only from initial-notice trigger.","coordinator_acceptance":"not_accepted_with_remaining_evidence_and_application_holds"},{"claim_id":"S_AZ-P07-C067","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P07-C067","Actor / predicate":"Collector supplies validation information","Trigger, required step, clock or consequence":"Required fields include collector/consumer information, dispute mailing address, account identifier, current creditor, amount information, rights and response prompts. Itemization-date creditor and CFPB-site fields have the consumer-financial-product qualification.","Exact authority; exceptions and confidence":"S017, §1006.34(c)(1)–(4); S022. H; itemization-date creditor is not necessarily original creditor."},"coordinator_verification_status":"specific_body_or_complete_crossreference_unreopened_held","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Original complete atomic row read at text level; specific controlling body, exceptions/version/cross-references and any cited judicial holding not freshly checked in this review. Original source/access/application holds remain; no all-claim acceptance.","coordinator_acceptance":"not_accepted_with_remaining_evidence_and_application_holds"},{"claim_id":"S_AZ-P07-C068","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P07-C068","Actor / predicate":"Collector selects an itemization reference","Trigger, required step, clock or consequence":"Choose an ascertainable last-statement, charge-off, last-applied-payment, transaction or judgment date and use it consistently. A successor can choose another permitted reference.","Exact authority; exceptions and confidence":"S017, §1006.34(b)(3)(i)–(v), comments 34(b)(3)-1–2. H; this selection does not determine limitation accrual."},"coordinator_verification_status":"selected_claim_parts_supported_with_remaining_primary_currentness_application_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":"1006.34(b)(3) five permitted ascertainable dates, consistent use and successor selection only; actual records/accrual held.","coordinator_acceptance":"not_accepted_with_remaining_evidence_and_application_holds"},{"claim_id":"S_AZ-P07-C069","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P07-C069","Actor / predicate":"Collector itemizes the balance","Trigger, required step, clock or consequence":"Disclose the reference-date amount, subsequent interest/fees/payments/credits and current amount; required zero categories are not simply omitted. Itemization does not prove ownership or authorize an added charge.","Exact authority; exceptions and confidence":"S017, §1006.34(c)(2)(vi)–(ix), commentary; C045. H; accounting truth remains unverified."},"coordinator_verification_status":"specific_body_or_complete_crossreference_unreopened_held","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Original complete atomic row read at text level; specific controlling body, exceptions/version/cross-references and any cited judicial holding not freshly checked in this review. Original source/access/application holds remain; no all-claim acceptance.","coordinator_acceptance":"not_accepted_with_remaining_evidence_and_application_holds"},{"claim_id":"S_AZ-P07-C070","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P07-C070","Actor / predicate":"Validation information is provided","Trigger, required step, clock or consequence":"Period begins when provided and ends 30 days after actual or assumed receipt. Assumed receipt may be at least five days later, excluding Saturdays, Sundays and §6103(a) holidays.","Exact authority; exceptions and confidence":"S017, §1006.34(b)(5); S023. H; the exclusion applies to this receipt calculation, not every clock."},"coordinator_verification_status":"selected_claim_parts_supported_with_remaining_primary_currentness_application_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":"1006.34(b)(5) provision start, actual/assumed receipt end and five-day holiday/weekend exclusions.","coordinator_acceptance":"not_accepted_with_remaining_evidence_and_application_holds"},{"claim_id":"S_AZ-P07-C071","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P07-C071","Actor / predicate":"Actual receipt differs or original notice is undelivered","Trigger, required step, clock or consequence":"Commentary permits the calculated assumed-receipt endpoint despite later learning a different actual receipt date. A replacement notice after nonreceipt/no other validation information requires an updated period.","Exact authority; exceptions and confidence":"S017, comments 34(b)(5)-1–2. H; disputed endpoint litigation and actual delivery evidence held."},"coordinator_verification_status":"selected_claim_parts_supported_with_remaining_primary_currentness_application_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":"1006.34(b)(5) comments1–2 actual-v-assumed endpoint and replacement-notice recalculation.","coordinator_acceptance":"not_accepted_with_remaining_evidence_and_application_holds"},{"claim_id":"S_AZ-P07-C072","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P07-C072","Actor / predicate":"Consumer timely submits written request for original-creditor identity","Trigger, required step, clock or consequence":"Upon receipt, collector must cease collection until it sends the name and address using the required delivery method.","Exact authority; exceptions and confidence":"S013, §1692g(a)(5), (b); S017, §1006.38(c)(1), §1006.42. H; information obtained internally is not enough."},"coordinator_verification_status":"selected_claim_parts_supported_with_remaining_primary_currentness_application_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":"1006.38(c)(1) timely written identity request receipt pause until compliant sending.","coordinator_acceptance":"not_accepted_with_remaining_evidence_and_application_holds"},{"claim_id":"S_AZ-P07-C073","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P07-C073","Actor / predicate":"Original and current creditor are the same","Trigger, required step, clock or consequence":"Collector may reasonably determine that identity, send a written/electronic statement of that fact and refer to previously supplied validation information.","Exact authority; exceptions and confidence":"S017, §1006.38(c)(2). H; unsupported assertion or silence does not satisfy the alternative."},"coordinator_verification_status":"selected_claim_parts_supported_with_remaining_primary_currentness_application_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":"1006.38(c)(2) same-creditor reasonable-determination/notification/prior-reference alternative.","coordinator_acceptance":"not_accepted_with_remaining_evidence_and_application_holds"},{"claim_id":"S_AZ-P07-C074","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P07-C074","Actor / predicate":"Consumer disputes orally","Trigger, required step, clock or consequence":"Oral dispute is recognized for §1692g(a)(3) and can matter to disputed reporting, but does not by itself invoke the statutory written-dispute verification pause.","Exact authority; exceptions and confidence":"S029, Discussion/Conclusion and fn.4; S013, §§1692g(a)(3)–(5), (b), 1692e(8). L/H; Arizona C028 may independently matter."},"coordinator_verification_status":"selected_claim_parts_supported_with_remaining_primary_currentness_application_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Camacho selected oral-dispute holding plus1692g writing distinction; complete disputed-reporting rule body not freshly reopened.","coordinator_acceptance":"not_accepted_with_remaining_evidence_and_application_holds"},{"claim_id":"S_AZ-P07-C075","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P07-C075","Actor / predicate":"Historical notice implies, rather than expressly states, a writing condition","Trigger, required step, clock or consequence":"Riggs distinguished Camacho and upheld the particular notice against the preserved theory. It does not approve any current notice or eliminate Regulation F’s fields.","Exact authority; exceptions and confidence":"S031, Parts III.A–C, IV, pp.6534–6538/PDF8–12. L; historical version/posture limitation."},"coordinator_verification_status":"specific_body_or_complete_crossreference_unreopened_held","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Original complete atomic row read at text level; specific controlling body, exceptions/version/cross-references and any cited judicial holding not freshly checked in this review. Original source/access/application holds remain; no all-claim acceptance.","coordinator_acceptance":"not_accepted_with_remaining_evidence_and_application_holds"},{"claim_id":"S_AZ-P07-C076","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P07-C076","Actor / predicate":"Collector receives a dispute submitted in writing within the validation period","Trigger, required step, clock or consequence":"Stop collection of the debt or disputed portion until the qualifying verification/judgment response is sent.","Exact authority; exceptions and confidence":"S013, §1692g(b); S017, §1006.38(d)(2)(i), §1006.42. H; submission/receipt and disputed portion require proof."},"coordinator_verification_status":"selected_claim_parts_supported_with_remaining_primary_currentness_application_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":"1006.38(d)(2) written timely-submission receipt pause/debt or portion and sending; actual proof held.","coordinator_acceptance":"not_accepted_with_remaining_evidence_and_application_holds"},{"claim_id":"S_AZ-P07-C077","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P07-C077","Actor / predicate":"Consumer makes the required written submission","Trigger, required step, clock or consequence":"Mail, response form, accepted electronic medium, courier or personal delivery can qualify. Consumer electronic writing is not conditioned on obtaining the consumer’s own E-SIGN §101(c) disclosure consent.","Exact authority; exceptions and confidence":"S017, comments 38-1–2; S020 corrected reference; S013, §7001(a)–(b). H; collector must actually accept that electronic medium."},"coordinator_verification_status":"selected_claim_parts_supported_with_remaining_primary_currentness_application_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":"1006.38 comment1 electronic accepted medium/written submission and comment2 enabled E-SIGN interpretation; statutory7001/current corrected cross-reference body held.","coordinator_acceptance":"not_accepted_with_remaining_evidence_and_application_holds"},{"claim_id":"S_AZ-P07-C078","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P07-C078","Actor / predicate":"Timely written dispute remains unanswered","Trigger, required step, clock or consequence":"The researched provisions do not establish a general 30-day collector-response deadline. The collection pause persists absent the qualifying response; silence does not cancel the debt.","Exact authority; exceptions and confidence":"S013, §1692g(b); S017, §1006.38(d)(2). H, limited to these provisions."},"coordinator_verification_status":"selected_claim_parts_supported_with_remaining_primary_currentness_application_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Selected whole operative1006.38 pause has no stated general30-day collector-response deadline; no cancellation inferred.","coordinator_acceptance":"not_accepted_with_remaining_evidence_and_application_holds"},{"claim_id":"S_AZ-P07-C079","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P07-C079","Actor / predicate":"Collector asserts a duplicate dispute","Trigger, required step, clock or consequence":"It must reasonably meet the same-prior-timely-dispute/already-answered/no-new-material-information conditions. Collection pauses until the reasoned duplicate notice with prior-response reference, or verification, is sent.","Exact authority; exceptions and confidence":"S017, §1006.38(a)(1), (d)(2)(ii), comments. H; a new canceled check can be material."},"coordinator_verification_status":"selected_claim_parts_supported_with_remaining_primary_currentness_application_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":"1006.38(a)(1)/(d)(2)(ii) duplicate prerequisites/new material information and notice/reference alternative.","coordinator_acceptance":"not_accepted_with_remaining_evidence_and_application_holds"},{"claim_id":"S_AZ-P07-C080","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P07-C080","Actor / predicate":"Collector sends required disclosures","Trigger, required step, clock or consequence":"Delivery must reasonably be expected to give actual notice in a retainable, later-accessible form. Known undeliverability defeats that attempt; last-known-address mail has a qualified safe harbor.","Exact authority; exceptions and confidence":"S017, §1006.42(a)(1), comments 1–4. H. §42(a)(2) narrowly excepts certain standalone identity/opt-out disclosures."},"coordinator_verification_status":"selected_claim_parts_supported_with_remaining_primary_currentness_application_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":"1006.42(a) retainable actual-notice expectation, undeliverability, qualified last-known-mail safe harbor/exceptions.","coordinator_acceptance":"not_accepted_with_remaining_evidence_and_application_holds"},{"claim_id":"S_AZ-P07-C081","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P07-C081","Actor / predicate":"Required follow-up notice or verification/original-creditor response is sent electronically","Trigger, required step, clock or consequence":"§42(b) invokes E-SIGN §101(c) for the listed follow-up and response disclosures. It does not list an initial electronic validation notice or the duplicate-notice alternative in the same way; other delivery/contact duties still apply.","Exact authority; exceptions and confidence":"S017, §1006.42(b); §§1006.34(a)(1)(i)(B), .38(c), (d)(2)(i), (ii)(A). H; no blanket electronic-contact permission."},"coordinator_verification_status":"selected_claim_parts_supported_with_remaining_primary_currentness_application_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":"1006.42(b) exact designated electronic disclosures versus initial/duplicate notice; E-SIGN statutory predicates themselves not freshly reopened.","coordinator_acceptance":"not_accepted_with_remaining_evidence_and_application_holds"},{"claim_id":"S_AZ-P07-C082","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P07-C082","Actor / predicate":"Collector relies on E-SIGN consumer consent","Trigger, required step, clock or consequence":"Affirmative, unwithdrawn consent requires the statutory advance disclosures and electronic ability demonstration; withdrawal and material technology changes have specified consequences.","Exact authority; exceptions and confidence":"S013, §7001(c)(1)(A)–(D), (2)–(4), (6). H; ordinary possession of an email address is insufficient."},"coordinator_verification_status":"specific_body_or_complete_crossreference_unreopened_held","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Original complete atomic row read at text level; specific controlling body, exceptions/version/cross-references and any cited judicial holding not freshly checked in this review. Original source/access/application holds remain; no all-claim acceptance.","coordinator_acceptance":"not_accepted_with_remaining_evidence_and_application_holds"},{"claim_id":"S_AZ-P07-C083","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P07-C083","Actor / predicate":"Collector seeks to resume after verification/original-identity pause","Trigger, required step, clock or consequence":"Statute requires obtaining and mailing the qualifying material; Regulation F provides the compliant written/electronic sending route. Mere internal verification fails; universal actual reading/receipt is not the resumption trigger.","Exact authority; exceptions and confidence":"S013, §1692g(b); S017, §1006.38(c), (d)(2), §1006.42. H; other stops and Arizona investigation remain."},"coordinator_verification_status":"selected_claim_parts_supported_with_remaining_primary_currentness_application_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":"1692g(b)/1006.38(c)/(d)(2) compliant mailing/sending versus mere internal verification or universal actual reading; other stops remain.","coordinator_acceptance":"not_accepted_with_remaining_evidence_and_application_holds"},{"claim_id":"S_AZ-P07-C084","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P07-C084","Actor / predicate":"Collector relies on Clark verification standard","Trigger, required step, clock or consequence":"Confirmation of the amount claimed, with the actual creditor information/itemized statement in that case, satisfied §1692g. It did not resolve separate misleading-amount liability or Arizona investigation duties.","Exact authority; exceptions and confidence":"S030, majority §I, verification paragraphs; S002, R20-4-1521. L/HR; no universal original-contract, affidavit or trial-proof rule established."},"coordinator_verification_status":"selected_claim_parts_supported_with_remaining_primary_currentness_application_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Clark selected majority minimum verification/actual itemized response, separate other-theory discussion, ArizonaR1521 independent investigation.","coordinator_acceptance":"not_accepted_with_remaining_evidence_and_application_holds"},{"claim_id":"S_AZ-P07-C085","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P07-C085","Actor / predicate":"Consumer does not dispute or collector supplies validation","Trigger, required step, clock or consequence":"Non-dispute is not a legal admission. Validation does not establish ownership, judgment-level proof or discharge status; a communication pause does not itself extinguish the obligation.","Exact authority; exceptions and confidence":"S013, §1692g(c); S017, §1006.38(d)(1); bounded inference from C067–C084. H for non-admission; analytical boundary for remaining propositions."},"coordinator_verification_status":"selected_claim_parts_supported_with_remaining_primary_currentness_application_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":"1692g(c)/1006.38(d)(1) non-dispute not admission; validation/ownership/extinguishment distinctions remain bounded inferences.","coordinator_acceptance":"not_accepted_with_remaining_evidence_and_application_holds"},{"claim_id":"S_AZ-P07-C086","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P07-C086","Actor / predicate":"Collection occurs during validation period","Trigger, required step, clock or consequence":"Activity must not overshadow or contradict dispute/original-creditor rights. The period alone is not an automatic collection moratorium; a qualifying pause or other restriction changes that.","Exact authority; exceptions and confidence":"S013, §1692g(b); S017, §1006.38(b), (c), (d). H."},"coordinator_verification_status":"selected_claim_parts_supported_with_remaining_primary_currentness_application_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":"1692g(b)/1006.38(b) no overshadowing and no automatic period-wide pause absent trigger; modelB1 image uninspected.","coordinator_acceptance":"not_accepted_with_remaining_evidence_and_application_holds"},{"claim_id":"S_AZ-P07-C087","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P07-C087","Actor / predicate":"Collector uses a model notice or translation","Trigger, required step, clock or consequence":"Model Form B-1 is optional and supplies only the stated information/format/overshadowing safe harbors when properly used. Translation must meet applicable accuracy/consistency conditions.","Exact authority; exceptions and confidence":"S017, §1006.34(d)–(e), §1006.38(b)(2). H text; actual B-1 image/form inspection held."},"coordinator_verification_status":"selected_claim_parts_supported_with_remaining_primary_currentness_application_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":"1006.38(b)(2) limited modelB1 overshadowing safe harbor only; complete1006.34(d–e),translation/image/form compliance not freshly checked.","coordinator_acceptance":"not_accepted_with_remaining_evidence_and_application_holds"},{"claim_id":"S_AZ-P07-C088","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P07-C088","Actor / predicate":"Consumer also faces a suit or limitation question","Trigger, required step, clock or consequence":"Validation/dispute provisions do not themselves calculate an answer deadline, extend a court deadline, determine claim accrual or decide standing. No such actual calendar is resolved here.","Exact authority; exceptions and confidence":"S013, §1692g; S017, §§1006.34, .38, .30(d)(3); express scope boundary. H as bounded non-determination; governing court/limitations bodies deferred."},"coordinator_verification_status":"selected_claim_parts_supported_with_remaining_primary_currentness_application_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Express scope boundary only, not a source check of any court clock or accrual.","coordinator_acceptance":"not_accepted_with_remaining_evidence_and_application_holds"},{"claim_id":"S_AZ-P07-C089","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P07-C089","Actor / predicate":"Consumer seeks public information/complaint route","Trigger, required step, clock or consequence":"CFPB’s public page identifies debt-collection complaints and routing. Submitting a complaint is distinct from a qualifying dispute or court response.","Exact authority; exceptions and confidence":"S032, complaint subjects/process; C072/C076/C088. H guidance; nothing submitted. AG route held under S033."},"coordinator_verification_status":"specific_body_or_complete_crossreference_unreopened_held","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Original complete atomic row read at text level; specific controlling body, exceptions/version/cross-references and any cited judicial holding not freshly checked in this review. Original source/access/application holds remain; no all-claim acceptance.","coordinator_acceptance":"not_accepted_with_remaining_evidence_and_application_holds"},{"claim_id":"S_AZ-P07-C090","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P07-C090","Predicate":"Current Arizona conduct numbering","Finding":"2022 ch.59 §§51/53 amended §§32-1004/1051; March 24 approval differs from September 24 effectiveness. Current §1004(D) retains one older “2 through 7” reference; no nonexistent current paragraph 7 is invented.","Authority / confidence":"S001, S004–S006. H text; authoritative cleanup/harmonization of that residual reference not established."},"coordinator_verification_status":"specific_body_or_complete_crossreference_unreopened_held","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Original complete atomic row read at text level; specific controlling body, exceptions/version/cross-references and any cited judicial holding not freshly checked in this review. Original source/access/application holds remain; no all-claim acceptance.","coordinator_acceptance":"not_accepted_with_remaining_evidence_and_application_holds"},{"claim_id":"S_AZ-P07-C091","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P07-C091","Predicate":"Selected Arizona statutory currentness","Finding":"Inspected 2023–2026 TOSA ranges, election index and relevant delayed-date list did not identify changes to the four selected sections.","Authority / confidence":"S007–S012. H for index observations; bounded, not an all-law certificate."},"coordinator_verification_status":"specific_body_or_complete_crossreference_unreopened_held","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Original complete atomic row read at text level; specific controlling body, exceptions/version/cross-references and any cited judicial holding not freshly checked in this review. Original source/access/application holds remain; no all-claim acceptance.","coordinator_acceptance":"not_accepted_with_remaining_evidence_and_application_holds"},{"claim_id":"S_AZ-P07-C092","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P07-C092","Predicate":"Relevant 2023 Arizona rule amendment","Finding":"Final notice specifies October 2, 2023 effectiveness, distinct from September 1 publication.","Authority / confidence":"S003, item 3, p.1961/PDF46; operative rule pages. H."},"coordinator_verification_status":"selected_claim_parts_supported_with_remaining_primary_currentness_application_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Posted rule historical notes show October2,2023 versus September1 publication; final adoption body itself not freshly reopened.","coordinator_acceptance":"not_accepted_with_remaining_evidence_and_application_holds"},{"claim_id":"S_AZ-P07-C093","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P07-C093","Predicate":"Arizona rule currentness after posted supplement","Finding":"Supplement 25-4 supplies the read text; failed 2026 Register routes prevent exhaustive later-rule reconciliation.","Authority / confidence":"S002, S034. HR/P."},"coordinator_verification_status":"selected_claim_parts_supported_with_remaining_primary_currentness_application_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Posted Supp.25-4 date and warning currentness; known Register failures and later failed PDFwindow remain held.","coordinator_acceptance":"not_accepted_with_remaining_evidence_and_application_holds"},{"claim_id":"S_AZ-P07-C094","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P07-C094","Predicate":"Modern Regulation F communication/validation requirements","Finding":"The 2020 and 2021 final rules identify November 30, 2021 commencement. The fictional 2026 models are later; no pre-effective retroactive notice conclusion is made.","Authority / confidence":"S018–S019, DATES. H."},"coordinator_verification_status":"specific_body_or_complete_crossreference_unreopened_held","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Original complete atomic row read at text level; specific controlling body, exceptions/version/cross-references and any cited judicial holding not freshly checked in this review. Original source/access/application holds remain; no all-claim acceptance.","coordinator_acceptance":"not_accepted_with_remaining_evidence_and_application_holds"},{"claim_id":"S_AZ-P07-C095","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P07-C095","Predicate":"Later federal technical amendments","Finding":"2022 corrections became effective November 1, 2022; relevant 2023 contact changes became effective April 19, 2023. The §38 mirror’s internal-reference typo is not used to alter electronic-submission rights.","Authority / confidence":"S020–S021; S016–S017. H."},"coordinator_verification_status":"specific_body_or_complete_crossreference_unreopened_held","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Original complete atomic row read at text level; specific controlling body, exceptions/version/cross-references and any cited judicial holding not freshly checked in this review. Original source/access/application holds remain; no all-claim acceptance.","coordinator_acceptance":"not_accepted_with_remaining_evidence_and_application_holds"},{"claim_id":"S_AZ-P07-C096","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P07-C096","Predicate":"Source currency versus access","Finding":"OLRC states October 15, 2026 law currency; eCFR displays October 23 Title 12 currency; actual research access was October 27 Pacific. These are different dates. Individual opening times remain unknown.","Authority / confidence":"S013, S016; research access record. H within recorded limits."},"coordinator_verification_status":"selected_claim_parts_supported_with_remaining_primary_currentness_application_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Fresh1692g header displays P.L.119-124/Oct15,2026; other original OLRC/eCFR currency and original opening clocks not independently recertified.","coordinator_acceptance":"not_accepted_with_remaining_evidence_and_application_holds"},{"claim_id":"S_AZ-P07-C097","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P07-C097","Predicate":"Judicial authority and later treatment","Finding":"Only identified published majority holdings are relied on. McAdory’s treatment of Henson and Riggs’s treatment of Camacho were read. No complete citator, all-later-treatment, Arizona-state-court binding-status or unpublished-citation certification is made.","Authority / confidence":"S024–S031 and bounded official searches. L; no unpublished opinion used."},"coordinator_verification_status":"selected_claim_parts_supported_with_remaining_primary_currentness_application_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Selected two primary-opinion reproductions distinguished from dissent/quoted cases; other six majority bodies and complete history/citator remain held.","coordinator_acceptance":"not_accepted_with_remaining_evidence_and_application_holds"}],"sources":[{"source_id":"S_AZ-P07-S001","urls":["https://www.azleg.gov/ars/32/01001.htm","https://www.azleg.gov/ars/32/01004.htm","https://www.azleg.gov/ars/32/01051.htm","https://www.azleg.gov/ars/32/01055.htm","https://www.azleg.gov/arsDetail/?title=32","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/32/01051.htm?utm_source=chatgpt.com","https://www.azleg.gov/ars/32/01055.htm?utm_source=chatgpt.com","https://www.azleg.gov/arsDetail/?title=32&utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_AZ-P07-S001","Issuer, document and direct literal HTTPS URL":"Arizona Legislature, A.R.S. Title 32. https://www.azleg.gov/ars/32/01001.htm; https://www.azleg.gov/ars/32/01004.htm; https://www.azleg.gov/ars/32/01051.htm; https://www.azleg.gov/ars/32/01055.htm; compilation notice: https://www.azleg.gov/arsDetail/?title=32","Actual body read and exact location":"Fresh primary body. Definitions in §32-1001; all §32-1004 exemption text; §32-1051 conduct paragraphs; §32-1055, with reliance limited here to relevant actor/conduct/nexus clauses. Compilation disclaimer read.","Version, effect, status and limitations":"Legislature’s posted compilation, subject to its drafting/January-following-session disclaimer. Selected-section amendment checks below reduce, but do not eliminate, currentness limits. No actual license finding. \nDefinitions\n+4"},"coordinator_verification_status":"original_statute_rule_or_amendment_body_unreopened","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Whole original source row and linked claims read; no fresh body/version/amendment-chain verification for this grouped source, except another separately identified authority. Currentness/status/application and original failed-route holds remain.","coordinator_evidence":[]},{"source_id":"S_AZ-P07-S002","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-P07-S002","Issuer, document and direct literal HTTPS URL":"Arizona Secretary of State/DIFI, 20 A.A.C. 4. https://apps.azsos.gov/public_services/Title_20/20-04.pdf","Actual body read and exact location":"Fresh operative portions. R20-4-1501, printed p.38/PDF39; R20-4-1507–1509, p.40/PDF41; R20-4-1510–1514, p.41/PDF42; R20-4-1515–1516 and R20-4-1520(A)–(B), p.42/PDF43; R20-4-1521, p.43/PDF44. Related historical notes read.","Version, effect, status and limitations":"Supplement 25-4, posted December 31, 2025. Not a claim that the entire 52-page chapter was substantively reviewed. Post-supplement Register reconciliation remains held under S034. No claim of successful visual inspection from unavailable screenshot output. \napps.azsos.gov\n+1"},"coordinator_verification_status":"selected_official_rule_text_with_currentness_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Posted Supp.25-4 selected R1507/8/9/10/12/13/14/1520/21 only. Definitions, R1511(A–D), R1515/16, complete adoption and post-supplement Register chain are not freshly checked. Parsed text/PDF41–44; no pixels. Later sibling window1040 failure retained; no further request.","coordinator_evidence":["packet3/turn2811view0 L4481–4552","packet4/turn2812view0 L4585–4657","packet4/turn2812view1 L4751–4762,4787–4797"]},{"source_id":"S_AZ-P07-S003","urls":["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"],"researcher_record":{"Source ID":"S_AZ-P07-S003","Issuer, document and direct literal HTTPS URL":"Arizona SOS/DIFI, final rulemaking, R23-162, 29 A.A.R. 1961–1968. https://apps.azsos.gov/public_services/register/2023/35/contents.pdf","Actual body read and exact location":"Fresh final-adoption portions. Item 3 and rationale, printed pp.1961–1962/PDF46–47; material definitions on p.1964/PDF49; relevant conduct rules pp.1966–1968/PDF51–53.","Version, effect, status and limitations":"Published September 1, 2023; stated effective date October 2, 2023. Current Code supplies clean operative wording where adoption extraction mixes deleted and added text. Entire 75-page Register issue not claimed read. \napps.azsos.gov\n+1"},"coordinator_verification_status":"original_statute_rule_or_amendment_body_unreopened","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Whole original source row and linked claims read; no fresh body/version/amendment-chain verification for this grouped source, except another separately identified authority. Currentness/status/application and original failed-route holds remain.","coordinator_evidence":[]},{"source_id":"S_AZ-P07-S004","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-P07-S004","Issuer, document and direct literal HTTPS URL":"Arizona Legislature, Laws 2022, ch.59, HB2612. https://www.azleg.gov/legtext/55leg/2r/laws/0059.htm","Actual body read and exact location":"Fresh enacted portions: §51, amending §32-1004; §53, amending/renumbering §32-1051; approval/filed notation.","Version, effect, status and limitations":"Approved/filed March 24, 2022. General effective date established through S005–S006 as September 24, 2022. Approval is not the commencement date. Other parts of this large enactment are not this pass’s findings. \nH Ver of HB2612\n+2"},"coordinator_verification_status":"original_statute_rule_or_amendment_body_unreopened","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Whole original source row and linked claims read; no fresh body/version/amendment-chain verification for this grouped source, except another separately identified authority. Currentness/status/application and original failed-route holds remain.","coordinator_evidence":[]},{"source_id":"S_AZ-P07-S005","urls":["https://www.azleg.gov/alisPDFs/council/TOSA_55th_2nd_Regular.pdf","https://www.azleg.gov/alisPDFs/council/TOSA_55th_2nd_Regular.pdf?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_AZ-P07-S005","Issuer, document and direct literal HTTPS URL":"Arizona Legislative Council, 2022 Table of Sections Affected. https://www.azleg.gov/alisPDFs/council/TOSA_55th_2nd_Regular.pdf","Actual body read and exact location":"Fresh official index body: legend and printed p.18/PDF17, entries for §§32-1004 and 32-1051, ch.59 §§51 and 53, marked general-effective.","Version, effect, status and limitations":"September 28, 2022 version; chapters 1–388. Index corroborates amendment identification, not operative conduct wording. \nazleg.gov\n+1"},"coordinator_verification_status":"original_index_or_navigation_attribution_unreopened","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Preserved original bounded index/navigation/date attribution only; not fresh controlling text or complete currentness.","coordinator_evidence":[]},{"source_id":"S_AZ-P07-S006","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-P07-S006","Issuer, document and direct literal HTTPS URL":"Arizona Legislature, General Effective Dates. https://www.azleg.gov/general-effective-dates/","Actual body read and exact location":"Fresh official date table: 2022 regular-session row.","Version, effect, status and limitations":"Establishes September 24, 2022 general effective date used with S004–S005. Other displayed years are not substitute amendment histories. \nazleg.gov"},"coordinator_verification_status":"original_index_or_navigation_attribution_unreopened","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Preserved original bounded index/navigation/date attribution only; not fresh controlling text or complete currentness.","coordinator_evidence":[]},{"source_id":"S_AZ-P07-S007","urls":["https://www.azleg.gov/alisPDFs/council/TOSA_56th_1st_Regular.pdf","https://www.azleg.gov/alisPDFs/council/TOSA_56th_1st_Regular.pdf?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_AZ-P07-S007","Issuer, document and direct literal HTTPS URL":"Arizona Legislative Council, 2023 TOSA. https://www.azleg.gov/alisPDFs/council/TOSA_56th_1st_Regular.pdf","Actual body read and exact location":"Fresh index: sorted Title 32 range, printed p.8/PDF7.","Version, effect, status and limitations":"December 19, 2023 version, chapters 1–205. No entry for the four selected P07 statutory sections in that range. This is a bounded index check, not a finding about all collection law. \nazleg.gov"},"coordinator_verification_status":"original_index_or_navigation_attribution_unreopened","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Preserved original bounded index/navigation/date attribution only; not fresh controlling text or complete currentness.","coordinator_evidence":[]},{"source_id":"S_AZ-P07-S008","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-P07-S008","Issuer, document and direct literal HTTPS URL":"Arizona Legislative Council, 2024 TOSA. https://www.azleg.gov/alisPDFs/council/TOSA_56th_2nd_Regular.pdf","Actual body read and exact location":"Fresh index: Title 32 range, printed p.10/PDF9.","Version, effect, status and limitations":"No listed amendment to the four selected sections in the inspected range. Header publication date not established; not invented. \nazleg.gov"},"coordinator_verification_status":"original_index_or_navigation_attribution_unreopened","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Preserved original bounded index/navigation/date attribution only; not fresh controlling text or complete currentness.","coordinator_evidence":[]},{"source_id":"S_AZ-P07-S009","urls":["https://www.azleg.gov/alisPDFs/council/TOSA_2024_election.pdf","https://www.azleg.gov/alisPDFs/council/TOSA_2024_election.pdf?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_AZ-P07-S009","Issuer, document and direct literal HTTPS URL":"Arizona Legislative Council, 2024 election TOSA. https://www.azleg.gov/alisPDFs/council/TOSA_2024_election.pdf","Actual body read and exact location":"Fresh entire two-page index body, PDF0–1.","Version, effect, status and limitations":"No Title 32 entry found in this index. Index is not the enacted initiative text and supplies no broader initiative-validity conclusion. \nazleg.gov\n+1"},"coordinator_verification_status":"original_index_or_navigation_attribution_unreopened","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Preserved original bounded index/navigation/date attribution only; not fresh controlling text or complete currentness.","coordinator_evidence":[]},{"source_id":"S_AZ-P07-S010","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-P07-S010","Issuer, document and direct literal HTTPS URL":"Arizona Legislative Council, 2025 TOSA. https://www.azleg.gov/alisPDFs/council/TOSA_57th_1st_Regular.pdf","Actual body read and exact location":"Fresh index: sorted Title 32 range, printed p.10/PDF9.","Version, effect, status and limitations":"No listed amendment to the four selected sections in the inspected range. No P02 renewal conclusion imported. \nazleg.gov"},"coordinator_verification_status":"original_index_or_navigation_attribution_unreopened","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Preserved original bounded index/navigation/date attribution only; not fresh controlling text or complete currentness.","coordinator_evidence":[]},{"source_id":"S_AZ-P07-S011","urls":["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"],"researcher_record":{"Source ID":"S_AZ-P07-S011","Issuer, document and direct literal HTTPS URL":"Arizona Legislative Council, 2026 TOSA. https://www.azleg.gov/alisPDFs/council/TOSA_57th_2nd_Regular.pdf","Actual body read and exact location":"Fresh index: header and Title 32 range, printed p.11/PDF10.","Version, effect, status and limitations":"August 19, 2026 version, chapters 1–264. No entry for §§32-1001, 1004, 1051 or 1055 in the inspected range. Not a complete later-enactment certificate. \nazleg.gov\n+1"},"coordinator_verification_status":"original_index_or_navigation_attribution_unreopened","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Preserved original bounded index/navigation/date attribution only; not fresh controlling text or complete currentness.","coordinator_evidence":[]},{"source_id":"S_AZ-P07-S012","urls":["https://www.azleg.gov/alisPDFs/council/2026_Delayed_effective_dates.pdf","https://www.azleg.gov/alisPDFs/council/2026_Delayed_effective_dates.pdf?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_AZ-P07-S012","Issuer, document and direct literal HTTPS URL":"Arizona Legislative Council, 2026 delayed effective dates. https://www.azleg.gov/alisPDFs/council/2026_Delayed_effective_dates.pdf","Actual body read and exact location":"Fresh material index portions, PDF0–1, including listed Title 32 January 1, 2027 changes.","Version, effect, status and limitations":"Selected P07 sections not listed there. Not all three pages claimed read; no future-effective change inferred from an unrelated entry. \nazleg.gov\n+1"},"coordinator_verification_status":"original_index_or_navigation_attribution_unreopened","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Preserved original bounded index/navigation/date attribution only; not fresh controlling text or complete currentness.","coordinator_evidence":[]},{"source_id":"S_AZ-P07-S013","urls":["https://uscode.house.gov/us/usc/119-124/t15/s1692a/","https://uscode.house.gov/us/usc/119-124/t15/s1692b/","https://uscode.house.gov/us/usc/119-124/t15/s1692d/","https://uscode.house.gov/us/usc/119-124/t15/s1692e/","https://uscode.house.gov/us/usc/119-124/t15/s1692f/","https://uscode.house.gov/us/usc/119-124/t15/s1692g/","https://uscode.house.gov/us/usc/119-124/t15/s1692k/","https://uscode.house.gov/us/usc/119-124/t15/s1692n/","https://uscode.house.gov/us/usc/119-124/t15/s7001/","https://uscode.house.gov/us/usc/119-124/t15/s1681a/","https://uscode.house.gov/us/usc/119-124/t15/s1681b/","https://uscode.house.gov/us/usc/119-121/t15/s7001/","https://uscode.house.gov/us/usc/119-124/t15/s1692a/?utm_source=chatgpt.com","https://uscode.house.gov/us/usc/119-124/t15/s1692b/?utm_source=chatgpt.com","https://uscode.house.gov/us/usc/119-124/t15/s1692d/?utm_source=chatgpt.com","https://uscode.house.gov/us/usc/119-124/t15/s1692e/?utm_source=chatgpt.com","https://uscode.house.gov/us/usc/119-124/t15/s1692f/?utm_source=chatgpt.com","https://uscode.house.gov/us/usc/119-124/t15/s1692g/?utm_source=chatgpt.com","https://uscode.house.gov/us/usc/119-124/t15/s1692k/?utm_source=chatgpt.com","https://uscode.house.gov/us/usc/119-124/t15/s1692n/?utm_source=chatgpt.com","https://uscode.house.gov/us/usc/119-124/t15/s7001/?utm_source=chatgpt.com","https://uscode.house.gov/us/usc/119-124/t15/s1681a/?utm_source=chatgpt.com","https://uscode.house.gov/us/usc/119-124/t15/s1681b/?utm_source=chatgpt.com","https://uscode.house.gov/us/usc/119-121/t15/s7001/?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_AZ-P07-S013","Issuer, document and direct literal HTTPS URL":"U.S. House OLRC, Title 15 compilation. https://uscode.house.gov/us/usc/119-124/t15/s1692a/; https://uscode.house.gov/us/usc/119-124/t15/s1692b/; https://uscode.house.gov/us/usc/119-124/t15/s1692d/; https://uscode.house.gov/us/usc/119-124/t15/s1692e/; https://uscode.house.gov/us/usc/119-124/t15/s1692f/; https://uscode.house.gov/us/usc/119-124/t15/s1692g/; https://uscode.house.gov/us/usc/119-124/t15/s1692k/; https://uscode.house.gov/us/usc/119-124/t15/s1692n/; https://uscode.house.gov/us/usc/119-124/t15/s7001/; https://uscode.house.gov/us/usc/119-124/t15/s1681a/; https://uscode.house.gov/us/usc/119-124/t15/s1681b/","Actual body read and exact location":"Fresh primary bodies: §§1692a–b, d–g, n; §1692k(c) for the narrow electronic-procedure defense cross-reference; §7001(a)–(c) and relevant related provisions; §1681a(f), (x)(3), and §1681b(a)(3). Earlier §7001 reading at https://uscode.house.gov/us/usc/119-121/t15/s7001/ was followed by the newer compilation check.","Version, effect, status and limitations":"Current pages state laws effective through P.L.119-124, October 15, 2026. Full FCRA, remedies, damages and limitation regimes are not analyzed merely because adjacent text was returned. §1692c’s failed OLRC route is recorded under S014. \nuscode.house.gov\n+4"},"coordinator_verification_status":"selected_official_statute_subsection_only","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Current OLRC 1692g(a)–(e) body selected. No other grouped Title15 sections, E-SIGN, FDCPA definitions/remedies or FCRA bodies are freshly verified by this check.","coordinator_evidence":["packet5/turn2813view3 L15–46"]},{"source_id":"S_AZ-P07-S014","urls":["https://www.govinfo.gov/link/uscode/15/1692c","https://uscode.house.gov/us/usc/119-124/t15/s1692c/","https://www.govinfo.gov/link/uscode/15/1692a","https://www.govinfo.gov/link/uscode/15/1692c?utm_source=chatgpt.com","https://www.govinfo.gov/link/uscode/15/1692a?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_AZ-P07-S014","Issuer, document and direct literal HTTPS URL":"GovInfo, 15 U.S.C. §1692c. https://www.govinfo.gov/link/uscode/15/1692c","Actual body read and exact location":"Fresh full §1692c(a)–(d), printed p.1636/PDF0.","Version, effect, status and limitations":"Successful official alternate after https://uscode.house.gov/us/usc/119-124/t15/s1692c/ returned an internal retrieval error. GovInfo’s dynamic link did not establish its edition year; text was compared with current Regulation F and S015. A separate GovInfo definition route, https://www.govinfo.gov/link/uscode/15/1692a, yielded no readable body/then a 400 response; §1692a was resolved through S013. \ngovinfo.gov"},"coordinator_verification_status":"original_statute_rule_or_amendment_body_unreopened","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Whole original source row and linked claims read; no fresh body/version/amendment-chain verification for this grouped source, except another separately identified authority. Currentness/status/application and original failed-route holds remain.","coordinator_evidence":[]},{"source_id":"S_AZ-P07-S015","urls":["https://www.ftc.gov/legal-library/browse/rules/fair-debt-collection-practices-act-text","https://www.ftc.gov/legal-library/browse/rules/fair-debt-collection-practices-act-text?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_AZ-P07-S015","Issuer, document and direct literal HTTPS URL":"FTC, FDCPA text reproduction. https://www.ftc.gov/legal-library/browse/rules/fair-debt-collection-practices-act-text","Actual body read and exact location":"Fresh historical official reproduction: relevant definitions and communication/validation/state-law provisions.","Version, effect, status and limitations":"Page presents the Act as amended through the 2010 legislation and identifies its convenience function. Used as a cross-check, not a substitute for current Code. \nFederal Trade Commission"},"coordinator_verification_status":"original_guidance_or_historical_reproduction_unreopened","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Historical official reproduction or public guidance remains in its stated scope; no process/contact/authority acceptance or new submission.","coordinator_evidence":[]},{"source_id":"S_AZ-P07-S016","urls":["https://www.ecfr.gov/current/title-12/chapter-X/part-1006","https://www.ecfr.gov/current/title-12/chapter-X/part-1006?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_AZ-P07-S016","Issuer, document and direct literal HTTPS URL":"Office of the Federal Register/GPO, eCFR, 12 C.F.R. Part 1006. https://www.ecfr.gov/current/title-12/chapter-X/part-1006","Actual body read and exact location":"Fresh operative bodies and material official commentary: §§1006.1, .2, .6, .10, .14, .18, .22, .30(a), .34, .38, .42 and .104; relevant Supplement I passages.","Version, effect, status and limitations":"Displayed Title 12 currency October 23, 2026. That is not a finding that Part 1006 was amended that day. eCFR is the official government editorial compilation, not the official annual legal edition. Model Form B-1’s image was not inspected; no actual form approved. \necfr.gov\n+3"},"coordinator_verification_status":"original_statute_rule_or_amendment_body_unreopened","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Whole original source row and linked claims read; no fresh body/version/amendment-chain verification for this grouped source, except another separately identified authority. Currentness/status/application and original failed-route holds remain.","coordinator_evidence":[]},{"source_id":"S_AZ-P07-S017","urls":["https://www.consumerfinance.gov/rules-policy/regulations/1006/2/","https://www.consumerfinance.gov/rules-policy/regulations/1006/6/","https://www.consumerfinance.gov/rules-policy/regulations/1006/10/","https://www.consumerfinance.gov/rules-policy/regulations/1006/14/","https://www.consumerfinance.gov/rules-policy/regulations/1006/18/","https://www.consumerfinance.gov/rules-policy/regulations/1006/22/","https://www.consumerfinance.gov/rules-policy/regulations/1006/30/","https://www.consumerfinance.gov/rules-policy/regulations/1006/34/","https://www.consumerfinance.gov/rules-policy/regulations/1006/38/","https://www.consumerfinance.gov/rules-policy/regulations/1006/42/","https://www.consumerfinance.gov/rules-policy/regulations/1006/2/?utm_source=chatgpt.com","https://www.consumerfinance.gov/rules-policy/regulations/1006/6/?utm_source=chatgpt.com","https://www.consumerfinance.gov/rules-policy/regulations/1006/10/?utm_source=chatgpt.com","https://www.consumerfinance.gov/rules-policy/regulations/1006/14/?utm_source=chatgpt.com","https://www.consumerfinance.gov/rules-policy/regulations/1006/18/?utm_source=chatgpt.com","https://www.consumerfinance.gov/rules-policy/regulations/1006/22/?utm_source=chatgpt.com","https://www.consumerfinance.gov/rules-policy/regulations/1006/30/?utm_source=chatgpt.com","https://www.consumerfinance.gov/rules-policy/regulations/1006/34/?utm_source=chatgpt.com","https://www.consumerfinance.gov/rules-policy/regulations/1006/38/?utm_source=chatgpt.com","https://www.consumerfinance.gov/rules-policy/regulations/1006/42/?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_AZ-P07-S017","Issuer, document and direct literal HTTPS URL":"CFPB, interactive Regulation F and official interpretations. https://www.consumerfinance.gov/rules-policy/regulations/1006/2/; https://www.consumerfinance.gov/rules-policy/regulations/1006/6/; https://www.consumerfinance.gov/rules-policy/regulations/1006/10/; https://www.consumerfinance.gov/rules-policy/regulations/1006/14/; https://www.consumerfinance.gov/rules-policy/regulations/1006/18/; https://www.consumerfinance.gov/rules-policy/regulations/1006/22/; https://www.consumerfinance.gov/rules-policy/regulations/1006/30/; https://www.consumerfinance.gov/rules-policy/regulations/1006/34/; https://www.consumerfinance.gov/rules-policy/regulations/1006/38/; https://www.consumerfinance.gov/rules-policy/regulations/1006/42/","Actual body read and exact location":"Fresh material bodies/comments, particularly identity, communication procedures, call counting, itemization, receipt, disputes and delivery. These are alternative presentations of S016’s authority.","Version, effect, status and limitations":"Pages label themselves current regulation. The §38 mirror retains an incorrect internal comment reference to “38–1.ii”; S020 and eCFR establish the corrected “iii” reference for electronic consumer submissions. No claim that the mirror is error-free. \nConsumer Financial Protection Bureau\n+5"},"coordinator_verification_status":"selected_posted_regulation_text_and_precise_dated_definitions","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Fresh sections6/14/34/38/42 selected windows and dated section2 definitions. No fresh .10/.18/.22/.30, complete itemization/form/LCM text or entire commentary review. Two claim pinpoint corrections remain UNSENT. Mirror38 internal ii/iii typo already acknowledged by researcher; final correction/eCFR chain not freshly reopened.","coordinator_evidence":["packet1..7 exact selected-read-map","dated AZ05 packet06 chunk1 L0–115"]},{"source_id":"S_AZ-P07-S018","urls":["https://www.federalregister.gov/documents/2020/11/30/2020-24463/debt-collection-practices-regulation-f","https://www.federalregister.gov/documents/2020/11/30/2020-24463/debt-collection-practices-regulation-f?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_AZ-P07-S018","Issuer, document and direct literal HTTPS URL":"CFPB, 2020 final Regulation F rule, 85 F.R. 76734. https://www.federalregister.gov/documents/2020/11/30/2020-24463/debt-collection-practices-regulation-f","Actual body read and exact location":"Fresh DATES and material introductory/effective-date passages.","Version, effect, status and limitations":"Published November 30, 2020; effective November 30, 2021. Entire lengthy preamble not claimed read. \nfederalregister.gov"},"coordinator_verification_status":"original_statute_rule_or_amendment_body_unreopened","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Whole original source row and linked claims read; no fresh body/version/amendment-chain verification for this grouped source, except another separately identified authority. Currentness/status/application and original failed-route holds remain.","coordinator_evidence":[]},{"source_id":"S_AZ-P07-S019","urls":["https://www.federalregister.gov/documents/2021/01/19/2020-28422/debt-collection-practices-regulation-f","https://www.federalregister.gov/documents/2021/01/19/2020-28422/debt-collection-practices-regulation-f?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_AZ-P07-S019","Issuer, document and direct literal HTTPS URL":"CFPB, validation/disclosure final rule, 86 F.R. 5766. https://www.federalregister.gov/documents/2021/01/19/2020-28422/debt-collection-practices-regulation-f","Actual body read and exact location":"Fresh DATES and material introductory/effective-date passages. Operative text read through S016–S017.","Version, effect, status and limitations":"Published January 19, 2021; effective November 30, 2021. Publication and commencement kept separate. \nfederalregister.gov"},"coordinator_verification_status":"original_statute_rule_or_amendment_body_unreopened","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Whole original source row and linked claims read; no fresh body/version/amendment-chain verification for this grouped source, except another separately identified authority. Currentness/status/application and original failed-route holds remain.","coordinator_evidence":[]},{"source_id":"S_AZ-P07-S020","urls":["https://www.federalregister.gov/documents/2022/11/01/2022-23559/debt-collection-practices-regulation-f-corrections","https://www.federalregister.gov/documents/2022/11/01/2022-23559/debt-collection-practices-regulation-f-corrections?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_AZ-P07-S020","Issuer, document and direct literal HTTPS URL":"CFPB, Regulation F corrections, 87 F.R. 65668–65670. https://www.federalregister.gov/documents/2022/11/01/2022-23559/debt-collection-practices-regulation-f-corrections","Actual body read and exact location":"Fresh material correction body, including comments 30(a)(1)-3 and 38-2/38-3 and the corrected electronic-submission cross-reference.","Version, effect, status and limitations":"Effective November 1, 2022. Technical correction, not a newly created 30-day collector-response period. \nfederalregister.gov"},"coordinator_verification_status":"original_statute_rule_or_amendment_body_unreopened","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Whole original source row and linked claims read; no fresh body/version/amendment-chain verification for this grouped source, except another separately identified authority. Currentness/status/application and original failed-route holds remain.","coordinator_evidence":[]},{"source_id":"S_AZ-P07-S021","urls":["https://www.federalregister.gov/documents/2023/03/20/2023-05216/agency-contact-information","https://www.federalregister.gov/citation/88-FR-16538?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_AZ-P07-S021","Issuer, document and direct literal HTTPS URL":"CFPB, Agency Contact Information rule. https://www.federalregister.gov/documents/2023/03/20/2023-05216/agency-contact-information","Actual body read and exact location":"Fresh DATES and Part 1006 amendment instructions 8–10, printed p.16538 in the Federal Register pagination.","Version, effect, status and limitations":"Effective April 19, 2023. Relevant changes concern agency contact/organizational information. The rule’s later mandatory dates for other regulations’ forms are not Regulation F dispute-clock changes. \nfederalregister.gov\n+1"},"coordinator_verification_status":"original_statute_rule_or_amendment_body_unreopened","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Whole original source row and linked claims read; no fresh body/version/amendment-chain verification for this grouped source, except another separately identified authority. Currentness/status/application and original failed-route holds remain.","coordinator_evidence":[]},{"source_id":"S_AZ-P07-S022","urls":["https://uscode.house.gov/us/usc/119-124/t12/s5481/","https://uscode.house.gov/us/usc/119-124/t12/s5519/","https://uscode.house.gov/us/usc/119-124/t12/s5481/?utm_source=chatgpt.com","https://uscode.house.gov/us/usc/119-124/t12/s5519/?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_AZ-P07-S022","Issuer, document and direct literal HTTPS URL":"OLRC, Title 12 cross-references. https://uscode.house.gov/us/usc/119-124/t12/s5481/; https://uscode.house.gov/us/usc/119-124/t12/s5519/","Actual body read and exact location":"Fresh necessary portions: §5481(5), (7), (15)(A)(i); §5519(a), relevant (b), (c), (f).","Version, effect, status and limitations":"Same P.L.119-124 currency. Supports the consumer-financial-product subset and Regulation F’s auto-dealer boundary, not a complete sector opinion. \nuscode.house.gov\n+1"},"coordinator_verification_status":"original_statute_rule_or_amendment_body_unreopened","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Whole original source row and linked claims read; no fresh body/version/amendment-chain verification for this grouped source, except another separately identified authority. Currentness/status/application and original failed-route holds remain.","coordinator_evidence":[]},{"source_id":"S_AZ-P07-S023","urls":["https://www.govinfo.gov/link/uscode/5/6103","https://uscode.house.gov/us/usc/119-124/t5/s6103/","https://www.govinfo.gov/link/uscode/5/6103?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_AZ-P07-S023","Issuer, document and direct literal HTTPS URL":"GovInfo, 5 U.S.C. §6103. https://www.govinfo.gov/link/uscode/5/6103","Actual body read and exact location":"Fresh holiday text: §6103(a), associated portions and source notes, printed pp.791–793/PDF0–2.","Version, effect, status and limitations":"Official alternate after https://uscode.house.gov/us/usc/119-124/t5/s6103/ was inaccessible. Dynamic-link edition year unestablished; Juneteenth amendment appears. Used for the expressly incorporated holiday list, not general court-calendar rules. \ngovinfo.gov"},"coordinator_verification_status":"selected_official_holiday_text_unknown_dynamic_edition","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Dynamic GovInfo three-page PDF; selected section6103(a) includes Juneteenth. No March holiday in the supplied model intervals. Dynamic edition year unresolved. Payroll/leave alternatives outside subsection(a) not imported into this regulation.","coordinator_evidence":["packet7/turn2815view4 L19–35"]},{"source_id":"S_AZ-P07-S024","urls":["https://www.supremecourt.gov/opinions/16pdf/16-349_c07d.pdf","https://www.supremecourt.gov/opinions/16pdf/16-349_c07d.pdf?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_AZ-P07-S024","Court, opinion and direct literal HTTPS URL":"U.S. Supreme Court, Henson v. Santander Consumer USA Inc. https://www.supremecourt.gov/opinions/16pdf/16-349_c07d.pdf","Actual body read / pinpoint":"Fresh entire majority, slip pp.1–11/PDF2–12; principal-purpose reservation at slip p.3/PDF4.","Status and limits":"June 12, 2017, unanimous published opinion. Own-account purchase holding does not decide the principal-purpose prong. \nsupremecourt.gov"},"coordinator_verification_status":"judicial_body_not_freshly_reopened_currentness_and_application_held","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Complete original table/opinion analysis read, but this body is not freshly verified here. Known Henson later-window failures retained without retry. Full majority, posture, subsequent history, binding treatment and actual application remain held.","coordinator_evidence":[]},{"source_id":"S_AZ-P07-S025","urls":["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"],"researcher_record":{"Source ID":"S_AZ-P07-S025","Court, opinion and direct literal HTTPS URL":"Ninth Circuit, McAdory v. M.N.S. & Associates, LLC. https://cdn.ca9.uscourts.gov/datastore/opinions/2020/03/09/18-35923.pdf","Actual body read / pinpoint":"Fresh majority portion, printed pp.3–17/PDF2–16; principal-purpose analysis especially pp.11–16.","Status and limits":"March 9, 2020, marked FOR PUBLICATION. Reversal/remand of dismissal; allegations and classification holding are not final vicarious-liability findings. Bea dissent identified, not used as majority law. \ncdn.ca9.uscourts.gov"},"coordinator_verification_status":"judicial_body_not_freshly_reopened_currentness_and_application_held","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Complete original table/opinion analysis read, but this body is not freshly verified here. Known Henson later-window failures retained without retry. Full majority, posture, subsequent history, binding treatment and actual application remain held.","coordinator_evidence":[]},{"source_id":"S_AZ-P07-S026","urls":["https://www.govinfo.gov/content/pkg/USREPORTS-514/pdf/USREPORTS-514-291.pdf","https://www.govinfo.gov/content/pkg/USREPORTS-514/pdf/USREPORTS-514-291.pdf?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_AZ-P07-S026","Court, opinion and direct literal HTTPS URL":"U.S. Supreme Court/GovInfo, Heintz v. Jenkins, 514 U.S. 291. https://www.govinfo.gov/content/pkg/USREPORTS-514/pdf/USREPORTS-514-291.pdf","Actual body read / pinpoint":"Fresh majority, printed pp.292–299/PDF1–8.","Status and limits":"April 18, 1995, unanimous. Regular litigation-related consumer-debt collection can meet FDCPA coverage; not a ruling that every lawyer or every litigation act violates the Act. \ngovinfo.gov"},"coordinator_verification_status":"judicial_body_not_freshly_reopened_currentness_and_application_held","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Complete original table/opinion analysis read, but this body is not freshly verified here. Known Henson later-window failures retained without retry. Full majority, posture, subsequent history, binding treatment and actual application remain held.","coordinator_evidence":[]},{"source_id":"S_AZ-P07-S027","urls":["https://www.supremecourt.gov/opinions/18pdf/17-1307_7lho.pdf","https://www.supremecourt.gov/opinions/18pdf/17-1307_7lho.pdf?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_AZ-P07-S027","Court, opinion and direct literal HTTPS URL":"U.S. Supreme Court, Obduskey v. McCarthy & Holthus LLP. https://www.supremecourt.gov/opinions/18pdf/17-1307_7lho.pdf","Actual body read / pinpoint":"Fresh entire majority, slip pp.1–14/PDF3–16; limitations/reservations at slip pp.12–14.","Status and limits":"March 20, 2019, unanimous majority. Colorado nonjudicial-security-enforcement posture. Separate concurrence not relied on; full foreclosure/repossessions deferred. \nsupremecourt.gov"},"coordinator_verification_status":"judicial_body_not_freshly_reopened_currentness_and_application_held","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Complete original table/opinion analysis read, but this body is not freshly verified here. Known Henson later-window failures retained without retry. Full majority, posture, subsequent history, binding treatment and actual application remain held.","coordinator_evidence":[]},{"source_id":"S_AZ-P07-S028","urls":["https://cdn.ca9.uscourts.gov/datastore/opinions/2016/07/20/14-15672.pdf","https://cdn.ca9.uscourts.gov/datastore/opinions/2016/07/20/14-15672.pdf?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_AZ-P07-S028","Court, opinion and direct literal HTTPS URL":"Ninth Circuit, Hernandez v. Williams, Zinman & Parham PC. https://cdn.ca9.uscourts.gov/datastore/opinions/2016/07/20/14-15672.pdf","Actual body read / pinpoint":"Fresh material majority: pp.3–9/PDF2–8 and pp.20–26/PDF19–25; holding pp.25–26/PDF24–25.","Status and limits":"July 20, 2016, FOR PUBLICATION. Each successive collector’s initial covered communication matters. Not every intervening page claimed read; actor status was conceded in the case. \ncdn.ca9.uscourts.gov"},"coordinator_verification_status":"judicial_body_not_freshly_reopened_currentness_and_application_held","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Complete original table/opinion analysis read, but this body is not freshly verified here. Known Henson later-window failures retained without retry. Full majority, posture, subsequent history, binding treatment and actual application remain held.","coordinator_evidence":[]},{"source_id":"S_AZ-P07-S029","urls":["https://law.justia.com/cases/federal/appellate-courts/F3/430/1078/505439/","https://cdn.ca9.uscourts.gov/datastore/opinions/2005/12/12/0417126.pdf","https://law.justia.com/cases/federal/appellate-courts/F3/430/1078/505439/?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_AZ-P07-S029","Court, opinion and direct literal HTTPS URL":"Ninth Circuit opinion reproduced by Justia, Camacho v. Bridgeport Financial Inc., 430 F.3d 1078. https://law.justia.com/cases/federal/appellate-courts/F3/430/1078/505439/","Actual body read / pinpoint":"Fresh primary-opinion reproduction: Background, Discussion, Conclusion and relevant footnotes, particularly footnote 4.","Status and limits":"December 12, 2005. Candidate official route https://cdn.ca9.uscourts.gov/datastore/opinions/2005/12/12/0417126.pdf failed; reproduction used after that failure. Host summaries/headnotes excluded. HTML; PDF index unavailable. Later treatment actually read in S031. \nlaw.justia.com"},"coordinator_verification_status":"selected_primary_opinion_reproduction_with_judicial_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Camacho selected body/holding and footnote4; official failed route not retried. Gaps95–97 and other majority text not certified. No headnotes/current citator/underlying quoted cases or all-later treatment accepted.","coordinator_evidence":["packet5/turn2813view4 L63–73","packet7/turn2815view0 L77–94","packet6/turn2814view0 L98–122"]},{"source_id":"S_AZ-P07-S030","urls":["https://law.justia.com/cases/federal/appellate-courts/F3/460/1162/580673/","https://cdn.ca9.uscourts.gov/datastore/opinions/2006/08/24/0435563.pdf","https://law.justia.com/cases/federal/appellate-courts/F3/460/1162/580673/?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_AZ-P07-S030","Court, opinion and direct literal HTTPS URL":"Ninth Circuit opinion reproduced by Justia, Clark v. Capital Credit & Collection Services, Inc., 460 F.3d 1162. https://law.justia.com/cases/federal/appellate-courts/F3/460/1162/580673/","Actual body read / pinpoint":"Fresh material majority: §I, cease-contact waiver and verification discussion; verification paragraphs at rendered lines 134–143; §II/disposition. Relevant separate dissent read for distinction.","Status and limits":"August 24, 2006. Candidate official route https://cdn.ca9.uscourts.gov/datastore/opinions/2006/08/24/0435563.pdf failed. Reproduction, not host summary, relied on. HTML; reporter-page/PDF pairing not fabricated. \nlaw.justia.com"},"coordinator_verification_status":"selected_primary_opinion_reproduction_with_judicial_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Clark selected majority waiver/verification/other-theory/partial posture. Packet6 view2 L214–222 is separately identified dissent, not majority law; L224 onward footnotes parsed. Whole majority/disposition not freshly complete. Official failed route not retried; quoted authorities/current citator held.","coordinator_evidence":["packet5/turn2813view5 L65–69","packet7/turn2815view1 L105–121","packet6/turn2814view1 L128–142","packet7/turn2815view2 L179–195"]},{"source_id":"S_AZ-P07-S031","urls":["https://cdn.ca9.uscourts.gov/datastore/opinions/2012/06/08/10-17220.pdf","https://cdn.ca9.uscourts.gov/datastore/opinions/2012/06/08/10-17220.pdf?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_AZ-P07-S031","Court, opinion and direct literal HTTPS URL":"Ninth Circuit, Riggs v. Prober & Raphael. https://cdn.ca9.uscourts.gov/datastore/opinions/2012/06/08/10-17220.pdf","Actual body read / pinpoint":"Fresh entire 13-page opinion file. Majority Parts III–IV, printed pp.6534–6538/PDF8–12, supply the relevant later treatment of Camacho.","Status and limits":"June 8, 2012, FOR PUBLICATION. Historical notice decision; not approval of a notice under the later Regulation F requirements. \ncdn.ca9.uscourts.gov"},"coordinator_verification_status":"judicial_body_not_freshly_reopened_currentness_and_application_held","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Complete original table/opinion analysis read, but this body is not freshly verified here. Known Henson later-window failures retained without retry. Full majority, posture, subsequent history, binding treatment and actual application remain held.","coordinator_evidence":[]},{"source_id":"S_AZ-P07-S032","urls":["https://www.consumerfinance.gov/complaint/","https://www.consumerfinance.gov/complaint/?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_AZ-P07-S032","Issuer / route and direct literal HTTPS URL":"CFPB public complaint information. https://www.consumerfinance.gov/complaint/","Actual result and use":"Fresh guidance body: debt collection appears among complaint subjects; routing/process description read. No form submitted.","Hold / next action":"Information route only. Company-response guidance is not a consumer’s validation or court deadline. \nConsumer Financial Protection Bureau"},"coordinator_verification_status":"original_guidance_or_historical_reproduction_unreopened","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Historical official reproduction or public guidance remains in its stated scope; no process/contact/authority acceptance or new submission.","coordinator_evidence":[]},{"source_id":"S_AZ-P07-S033","urls":["https://www.azag.gov/consumer/debt-collection","https://www.azag.gov/consumer/debt-collections"],"researcher_record":{"Source ID":"S_AZ-P07-S033","Issuer / route and direct literal HTTPS URL":"Arizona Attorney General candidate debt-collection pages. https://www.azag.gov/consumer/debt-collection; alternate https://www.azag.gov/consumer/debt-collections","Actual result and use":"First route failed to supply an accessible body; exact HTTP status is not established in the retained record. The genuinely different alternate returned 404.","Hold / next action":"Current AG debt-collection guidance remains unread. Next action: obtain an accessible official consumer-guidance index and its currently linked page. No inferred absence of AG authority or services."},"coordinator_verification_status":"original_failed_or_unread_route_preserved_not_retried","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Exact original failure/no-readable-body record remains; unknown is not absence. No retry, inferred variant or access workaround.","coordinator_evidence":[]},{"source_id":"S_AZ-P07-S034","urls":["https://apps.azsos.gov/public_services/register/2026/","https://apps.azsos.gov/public_services/register/","https://apps.azsos.gov/public_services/register/?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_AZ-P07-S034","Issuer / route and direct literal HTTPS URL":"Arizona SOS Register routes. https://apps.azsos.gov/public_services/register/2026/; alternate https://apps.azsos.gov/public_services/register/","Actual result and use":"First directory route inaccessible; alternate supplied zero readable lines. No unchanged retry loop.","Hold / next action":"Exhaustive post-Supplement-25-4 Article 15 amendment/currentness reconciliation held. Next: readable official 2026 cumulative index, followed by any responsive final notices."},"coordinator_verification_status":"original_failed_or_unread_route_preserved_not_retried","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Exact original failure/no-readable-body record remains; unknown is not absence. No retry, inferred variant or access workaround.","coordinator_evidence":[]},{"source_id":"S_AZ-P07-S035","urls":["https://www.azleg.gov/legislative-council/","https://www.azleg.gov/legislative-council/?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_AZ-P07-S035","Issuer / route and direct literal HTTPS URL":"Arizona Legislative Council publication navigation. https://www.azleg.gov/legislative-council/","Actual result and use":"Fresh navigation/index body: publication links used to reach TOSAs.","Hold / next action":"Discovery/provenance, not substantive authority. \nazleg.gov"},"coordinator_verification_status":"original_index_or_navigation_attribution_unreopened","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Preserved original bounded index/navigation/date attribution only; not fresh controlling text or complete currentness.","coordinator_evidence":[]},{"source_id":"S_AZ-P07-S036","urls":["https://uscode.house.gov/view.xhtml?path=/prelim@title15/chapter41/subchapter5&edition=prelim"],"researcher_record":{"Source ID":"S_AZ-P07-S036","Issuer / route and direct literal HTTPS URL":"OLRC preliminary whole-subchapter route. https://uscode.house.gov/view.xhtml?path=/prelim@title15/chapter41/subchapter5&edition=prelim","Actual result and use":"404; no body.","Hold / next action":"Material federal sections subsequently read through S013–S014. Failure is not evidence that the FDCPA is unavailable or repealed."},"coordinator_verification_status":"original_failed_or_unread_route_preserved_not_retried","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Exact original failure/no-readable-body record remains; unknown is not absence. No retry, inferred variant or access workaround.","coordinator_evidence":[]},{"source_id":"S_AZ-P07-S037","urls":["https://www.govinfo.gov/content/pkg/USCODE-2025-title15/pdf/USCODE-2025-title15-chap41-subchapV.pdf"],"researcher_record":{"Source ID":"S_AZ-P07-S037","Issuer / route and direct literal HTTPS URL":"GovInfo candidate 2025 whole-subchapter PDF. https://www.govinfo.gov/content/pkg/USCODE-2025-title15/pdf/USCODE-2025-title15-chap41-subchapV.pdf","Actual result and use":"Inaccessible; no operative body obtained from this route.","Hold / next action":"Material text resolved through current individual Code sections. No claim that this failed edition PDF was read."},"coordinator_verification_status":"original_failed_or_unread_route_preserved_not_retried","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Exact original failure/no-readable-body record remains; unknown is not absence. No retry, inferred variant or access workaround.","coordinator_evidence":[]}],"coverage":[{"topic":"K01","researcher_record":{"Coverage row":"K01","Requested issue":"Personal/family/household debt","Status / claim references":"Answered — C001","Exact missing evidence or next action":"Actual transaction purpose remains unknown."},"coordinator_acceptance":"component_partial_not_accepted_remaining_required_work","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Whole original row reconciled. Preserve every stated missing source, currentness, jurisdiction/local/tribal, private-fact and deferred requirement. Four models are conditional; two atomic definition citations need UNSENT correction."},{"topic":"K02","researcher_record":{"Coverage row":"K02","Requested issue":"Business and mixed-purpose accounts","Status / claim references":"Partial — C001, C013","Exact missing evidence or next action":"Determine primary purpose from authorized facts; no inference from borrower identity."},"coordinator_acceptance":"component_partial_not_accepted_remaining_required_work","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Whole original row reconciled. Preserve every stated missing source, currentness, jurisdiction/local/tribal, private-fact and deferred requirement. Four models are conditional; two atomic definition citations need UNSENT correction."},{"topic":"K03","researcher_record":{"Coverage row":"K03","Requested issue":"Original creditor / false other name","Status / claim references":"Answered — C003–C004","Exact missing evidence or next action":"Actual name use and business model held."},"coordinator_acceptance":"component_partial_not_accepted_remaining_required_work","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Whole original row reconciled. Preserve every stated missing source, currentness, jurisdiction/local/tribal, private-fact and deferred requirement. Four models are conditional; two atomic definition citations need UNSENT correction."},{"topic":"K04","researcher_record":{"Coverage row":"K04","Requested issue":"Buyer: principal purpose versus owed another","Status / claim references":"Answered — C009–C010","Exact missing evidence or next action":"Actual operating evidence and responsibility for conduct held."},"coordinator_acceptance":"component_partial_not_accepted_remaining_required_work","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Whole original row reconciled. Preserve every stated missing source, currentness, jurisdiction/local/tribal, private-fact and deferred requirement. Four models are conditional; two atomic definition citations need UNSENT correction."},{"topic":"K05","researcher_record":{"Coverage row":"K05","Requested issue":"Servicer and default timing","Status / claim references":"Partial — C007","Exact missing evidence or next action":"Contract/default/acquisition facts and any disputed default construction remain."},"coordinator_acceptance":"component_partial_not_accepted_remaining_required_work","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Whole original row reconciled. Preserve every stated missing source, currentness, jurisdiction/local/tribal, private-fact and deferred requirement. Four models are conditional; two atomic definition citations need UNSENT correction."},{"topic":"K06","researcher_record":{"Coverage row":"K06","Requested issue":"Affiliate predicates","Status / claim references":"Answered — C006, C014","Exact missing evidence or next action":"Ownership, exclusive clientele and principal business unverified."},"coordinator_acceptance":"component_partial_not_accepted_remaining_required_work","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Whole original row reconciled. Preserve every stated missing source, currentness, jurisdiction/local/tribal, private-fact and deferred requirement. Four models are conditional; two atomic definition citations need UNSENT correction."},{"topic":"K07","researcher_record":{"Coverage row":"K07","Requested issue":"Employee versus contractor","Status / claim references":"Answered — C005, C014","Exact missing evidence or next action":"Employment relationship and name used unverified."},"coordinator_acceptance":"component_partial_not_accepted_remaining_required_work","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Whole original row reconciled. Preserve every stated missing source, currentness, jurisdiction/local/tribal, private-fact and deferred requirement. Four models are conditional; two atomic definition citations need UNSENT correction."},{"topic":"K08","researcher_record":{"Coverage row":"K08","Requested issue":"Attorney collection","Status / claim references":"Answered — C011, C014","Exact missing evidence or next action":"Actual regularity, role and state exemption conditions held."},"coordinator_acceptance":"component_partial_not_accepted_remaining_required_work","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Whole original row reconciled. Preserve every stated missing source, currentness, jurisdiction/local/tribal, private-fact and deferred requirement. Four models are conditional; two atomic definition citations need UNSENT correction."},{"topic":"K09","researcher_record":{"Coverage row":"K09","Requested issue":"Security-only versus money demand","Status / claim references":"Partial — C012","Exact missing evidence or next action":"Full foreclosure/repo and mixed-conduct classification deferred."},"coordinator_acceptance":"component_partial_not_accepted_remaining_required_work","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Whole original row reconciled. Preserve every stated missing source, currentness, jurisdiction/local/tribal, private-fact and deferred requirement. Four models are conditional; two atomic definition citations need UNSENT correction."},{"topic":"K10","researcher_record":{"Coverage row":"K10","Requested issue":"Arizona definition and retained exempt-actor conduct","Status / claim references":"Partial — C013–C014","Exact missing evidence or next action":"No actual licensing/exemption decision; P06 remains separate."},"coordinator_acceptance":"component_partial_not_accepted_remaining_required_work","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Whole original row reconciled. Preserve every stated missing source, currentness, jurisdiction/local/tribal, private-fact and deferred requirement. Four models are conditional; two atomic definition citations need UNSENT correction."},{"topic":"K11","researcher_record":{"Coverage row":"K11","Requested issue":"Remote Arizona contact","Status / claim references":"Partial — C015","Exact missing evidence or next action":"Responsive territorial/choice-of-law authority and actual contact facts remain."},"coordinator_acceptance":"component_partial_not_accepted_remaining_required_work","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Whole original row reconciled. Preserve every stated missing source, currentness, jurisdiction/local/tribal, private-fact and deferred requirement. Four models are conditional; two atomic definition citations need UNSENT correction."},{"topic":"K12","researcher_record":{"Coverage row":"K12","Requested issue":"Consumer, third parties and representatives","Status / claim references":"Answered — C001–C002, C038","Exact missing evidence or next action":"Actual representative authority and independent liability held."},"coordinator_acceptance":"component_partial_not_accepted_remaining_required_work","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Whole original row reconciled. Preserve every stated missing source, currentness, jurisdiction/local/tribal, private-fact and deferred requirement. Four models are conditional; two atomic definition citations need UNSENT correction."},{"topic":"K13","researcher_record":{"Coverage row":"K13","Requested issue":"State versus federal classification","Status / claim references":"Answered — C003, C013–C017","Exact missing evidence or next action":"No cross-regime exemption inferred."},"coordinator_acceptance":"component_partial_not_accepted_remaining_required_work","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Whole original row reconciled. Preserve every stated missing source, currentness, jurisdiction/local/tribal, private-fact and deferred requirement. Four models are conditional; two atomic definition citations need UNSENT correction."},{"topic":"K14","researcher_record":{"Coverage row":"K14","Requested issue":"Special statutory actor exclusions","Status / claim references":"Partial — C008, C017","Exact missing evidence or next action":"Full bad-check-program and special-sector cross-reference eligibility not established."},"coordinator_acceptance":"component_partial_not_accepted_remaining_required_work","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Whole original row reconciled. Preserve every stated missing source, currentness, jurisdiction/local/tribal, private-fact and deferred requirement. Four models are conditional; two atomic definition citations need UNSENT correction."},{"topic":"K15","researcher_record":{"Coverage row":"K15","Requested issue":"Time/place and consumer knowledge","Status / claim references":"Answered — C033–C034","Exact missing evidence or next action":"Actual location, knowledge and communication time held."},"coordinator_acceptance":"component_partial_not_accepted_remaining_required_work","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Whole original row reconciled. Preserve every stated missing source, currentness, jurisdiction/local/tribal, private-fact and deferred requirement. Four models are conditional; two atomic definition citations need UNSENT correction."},{"topic":"K16","researcher_record":{"Coverage row":"K16","Requested issue":"Workplace calls","Status / claim references":"Answered — C021, C035","Exact missing evidence or next action":"Employer policy, knowledge and specific consent/order held."},"coordinator_acceptance":"component_partial_not_accepted_remaining_required_work","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Whole original row reconciled. Preserve every stated missing source, currentness, jurisdiction/local/tribal, private-fact and deferred requirement. Four models are conditional; two atomic definition citations need UNSENT correction."},{"topic":"K17","researcher_record":{"Coverage row":"K17","Requested issue":"Known counsel","Status / claim references":"Partial — C023, C036","Exact missing evidence or next action":"State/federal distinctions established; actual representation and reasonable-response facts unknown."},"coordinator_acceptance":"component_partial_not_accepted_remaining_required_work","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Whole original row reconciled. Preserve every stated missing source, currentness, jurisdiction/local/tribal, private-fact and deferred requirement. Four models are conditional; two atomic definition citations need UNSENT correction."},{"topic":"K18","researcher_record":{"Coverage row":"K18","Requested issue":"Direct prior consent / court permission","Status / claim references":"Answered — C037","Exact missing evidence or next action":"Actual consent scope and court order unexamined."},"coordinator_acceptance":"component_partial_not_accepted_remaining_required_work","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Whole original row reconciled. Preserve every stated missing source, currentness, jurisdiction/local/tribal, private-fact and deferred requirement. Four models are conditional; two atomic definition citations need UNSENT correction."},{"topic":"K19","researcher_record":{"Coverage row":"K19","Requested issue":"Third-party collection disclosure","Status / claim references":"Answered — C022, C038","Exact missing evidence or next action":"Identity, obligation and exception facts held."},"coordinator_acceptance":"component_partial_not_accepted_remaining_required_work","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Whole original row reconciled. Preserve every stated missing source, currentness, jurisdiction/local/tribal, private-fact and deferred requirement. Four models are conditional; two atomic definition citations need UNSENT correction."},{"topic":"K20","researcher_record":{"Coverage row":"K20","Requested issue":"Location inquiry","Status / claim references":"Answered — C039","Exact missing evidence or next action":"Prior contacts, correction basis and counsel knowledge held."},"coordinator_acceptance":"component_partial_not_accepted_remaining_required_work","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Whole original row reconciled. Preserve every stated missing source, currentness, jurisdiction/local/tribal, private-fact and deferred requirement. Four models are conditional; two atomic definition citations need UNSENT correction."},{"topic":"K21","researcher_record":{"Coverage row":"K21","Requested issue":"Written cease / refusal and exceptions","Status / claim references":"Answered — C024, C040–C041","Exact missing evidence or next action":"Receipt, exact requested scope and any waiver facts held."},"coordinator_acceptance":"component_partial_not_accepted_remaining_required_work","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Whole original row reconciled. Preserve every stated missing source, currentness, jurisdiction/local/tribal, private-fact and deferred requirement. Four models are conditional; two atomic definition citations need UNSENT correction."},{"topic":"K22","researcher_record":{"Coverage row":"K22","Requested issue":"Harassment, deception and threats","Status / claim references":"Answered — C019–C020, C042–C043","Exact missing evidence or next action":"Actual words, pattern, intent and lawful-action basis held."},"coordinator_acceptance":"component_partial_not_accepted_remaining_required_work","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Whole original row reconciled. Preserve every stated missing source, currentness, jurisdiction/local/tribal, private-fact and deferred requirement. Four models are conditional; two atomic definition citations need UNSENT correction."},{"topic":"K23","researcher_record":{"Coverage row":"K23","Requested issue":"Added fees/interest","Status / claim references":"Partial — C029–C031, C045","Exact missing evidence or next action":"Actual contract/law basis and state-law-only charge reconciliation remain."},"coordinator_acceptance":"component_partial_not_accepted_remaining_required_work","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Whole original row reconciled. Preserve every stated missing source, currentness, jurisdiction/local/tribal, private-fact and deferred requirement. Four models are conditional; two atomic definition citations need UNSENT correction."},{"topic":"K24","researcher_record":{"Coverage row":"K24","Requested issue":"Postdated instruments","Status / claim references":"Answered narrowly — C046","Exact missing evidence or next action":"No instrument, deposit date or payment authorization examined."},"coordinator_acceptance":"component_partial_not_accepted_remaining_required_work","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Whole original row reconciled. Preserve every stated missing source, currentness, jurisdiction/local/tribal, private-fact and deferred requirement. Four models are conditional; two atomic definition citations need UNSENT correction."},{"topic":"K25","researcher_record":{"Coverage row":"K25","Requested issue":"Reporting known disputed debt","Status / claim references":"Answered narrowly — C047","Exact missing evidence or next action":"Actual reporting/knowledge and full FCRA duties deferred."},"coordinator_acceptance":"component_partial_not_accepted_remaining_required_work","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Whole original row reconciled. Preserve every stated missing source, currentness, jurisdiction/local/tribal, private-fact and deferred requirement. Four models are conditional; two atomic definition citations need UNSENT correction."},{"topic":"K26","researcher_record":{"Coverage row":"K26","Requested issue":"Contact before furnishing","Status / claim references":"Answered narrowly — C048","Exact missing evidence or next action":"Delivery/bounce monitoring and specialty-agency exception facts held."},"coordinator_acceptance":"component_partial_not_accepted_remaining_required_work","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Whole original row reconciled. Preserve every stated missing source, currentness, jurisdiction/local/tribal, private-fact and deferred requirement. Four models are conditional; two atomic definition citations need UNSENT correction."},{"topic":"K27","researcher_record":{"Coverage row":"K27","Requested issue":"Call-attempt classification","Status / claim references":"Answered — C049, C051","Exact missing evidence or next action":"Actual connected/unconnected records held."},"coordinator_acceptance":"component_partial_not_accepted_remaining_required_work","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Whole original row reconciled. Preserve every stated missing source, currentness, jurisdiction/local/tribal, private-fact and deferred requirement. Four models are conditional; two atomic definition citations need UNSENT correction."},{"topic":"K28","researcher_record":{"Coverage row":"K28","Requested issue":"Conversation and following period","Status / claim references":"Answered — C050","Exact missing evidence or next action":"Actual conversation subject and date held."},"coordinator_acceptance":"component_partial_not_accepted_remaining_required_work","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Whole original row reconciled. Preserve every stated missing source, currentness, jurisdiction/local/tribal, private-fact and deferred requirement. Four models are conditional; two atomic definition citations need UNSENT correction."},{"topic":"K29","researcher_record":{"Coverage row":"K29","Requested issue":"Call exclusions and consent","Status / claim references":"Answered — C051–C052","Exact missing evidence or next action":"Actual consent, expiration, recipient and revocation held."},"coordinator_acceptance":"component_partial_not_accepted_remaining_required_work","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Whole original row reconciled. Preserve every stated missing source, currentness, jurisdiction/local/tribal, private-fact and deferred requirement. Four models are conditional; two atomic definition citations need UNSENT correction."},{"topic":"K30","researcher_record":{"Coverage row":"K30","Requested issue":"Multiple-debt/person counts","Status / claim references":"Answered — C053; Model 2","Exact missing evidence or next action":"Actual allocation and any special grouping facts held."},"coordinator_acceptance":"component_partial_not_accepted_remaining_required_work","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Whole original row reconciled. Preserve every stated missing source, currentness, jurisdiction/local/tribal, private-fact and deferred requirement. Four models are conditional; two atomic definition citations need UNSENT correction."},{"topic":"K31","researcher_record":{"Coverage row":"K31","Requested issue":"Federal LCM contents","Status / claim references":"Answered — C054–C055","Exact missing evidence or next action":"Actual voicemail and intended recipient unknown."},"coordinator_acceptance":"component_partial_not_accepted_remaining_required_work","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Whole original row reconciled. Preserve every stated missing source, currentness, jurisdiction/local/tribal, private-fact and deferred requirement. Four models are conditional; two atomic definition citations need UNSENT correction."},{"topic":"K32","researcher_record":{"Coverage row":"K32","Requested issue":"LCM versus Arizona identification","Status / claim references":"Held — C018, C055","Exact missing evidence or next action":"Obtain authoritative responsive interpretation of R20-4-1507/-1520 and §1006.2(j); none opened in bounded official searches."},"coordinator_acceptance":"component_partial_not_accepted_remaining_required_work","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Whole original row reconciled. Preserve every stated missing source, currentness, jurisdiction/local/tribal, private-fact and deferred requirement. Four models are conditional; two atomic definition citations need UNSENT correction."},{"topic":"K33","researcher_record":{"Coverage row":"K33","Requested issue":"Email acquisition/transfer routes","Status / claim references":"Answered conditionally — C056–C058","Exact missing evidence or next action":"Procedures, notice, opt-out, domain and knowledge records held."},"coordinator_acceptance":"component_partial_not_accepted_remaining_required_work","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Whole original row reconciled. Preserve every stated missing source, currentness, jurisdiction/local/tribal, private-fact and deferred requirement. Four models are conditional; two atomic definition citations need UNSENT correction."},{"topic":"K34","researcher_record":{"Coverage row":"K34","Requested issue":"Text route / 60-day condition","Status / claim references":"Answered conditionally — C059","Exact missing evidence or next action":"Actual text/consent/reassignment evidence held; no database query made."},"coordinator_acceptance":"component_partial_not_accepted_remaining_required_work","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Whole original row reconciled. Preserve every stated missing source, currentness, jurisdiction/local/tribal, private-fact and deferred requirement. Four models are conditional; two atomic definition citations need UNSENT correction."},{"topic":"K35","researcher_record":{"Coverage row":"K35","Requested issue":"Electronic opt-out and oral medium stop","Status / claim references":"Answered — C060–C061","Exact missing evidence or next action":"Actual wording, destination and scope held."},"coordinator_acceptance":"component_partial_not_accepted_remaining_required_work","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Whole original row reconciled. Preserve every stated missing source, currentness, jurisdiction/local/tribal, private-fact and deferred requirement. Four models are conditional; two atomic definition citations need UNSENT correction."},{"topic":"K36","researcher_record":{"Coverage row":"K36","Requested issue":"Employer-provided email","Status / claim references":"Answered — C062","Exact missing evidence or next action":"Knowledge and qualifying route unverified."},"coordinator_acceptance":"component_partial_not_accepted_remaining_required_work","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Whole original row reconciled. Preserve every stated missing source, currentness, jurisdiction/local/tribal, private-fact and deferred requirement. Four models are conditional; two atomic definition citations need UNSENT correction."},{"topic":"K37","researcher_record":{"Coverage row":"K37","Requested issue":"Social media, postcards and envelopes","Status / claim references":"Answered narrowly — C063","Exact missing evidence or next action":"Actual visibility/content and other privacy laws deferred."},"coordinator_acceptance":"component_partial_not_accepted_remaining_required_work","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Whole original row reconciled. Preserve every stated missing source, currentness, jurisdiction/local/tribal, private-fact and deferred requirement. Four models are conditional; two atomic definition citations need UNSENT correction."},{"topic":"K38","researcher_record":{"Coverage row":"K38","Requested issue":"Initial communication / five-day route","Status / claim references":"Answered — C064","Exact missing evidence or next action":"Actual first covered communication and completeness held; no contested five-day endpoint calculated."},"coordinator_acceptance":"component_partial_not_accepted_remaining_required_work","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Whole original row reconciled. Preserve every stated missing source, currentness, jurisdiction/local/tribal, private-fact and deferred requirement. Four models are conditional; two atomic definition citations need UNSENT correction."},{"topic":"K39","researcher_record":{"Coverage row":"K39","Requested issue":"Successive collector’s notice","Status / claim references":"Answered — C065","Exact missing evidence or next action":"Actual succession and communications held."},"coordinator_acceptance":"component_partial_not_accepted_remaining_required_work","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Whole original row reconciled. Preserve every stated missing source, currentness, jurisdiction/local/tribal, private-fact and deferred requirement. Four models are conditional; two atomic definition citations need UNSENT correction."},{"topic":"K40","researcher_record":{"Coverage row":"K40","Requested issue":"Formal pleading / mandatory-notice exclusions","Status / claim references":"Answered — C066","Exact missing evidence or next action":"Classify actual document; full litigation/bankruptcy branches deferred."},"coordinator_acceptance":"component_partial_not_accepted_remaining_required_work","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Whole original row reconciled. Preserve every stated missing source, currentness, jurisdiction/local/tribal, private-fact and deferred requirement. Four models are conditional; two atomic definition citations need UNSENT correction."},{"topic":"K41","researcher_record":{"Coverage row":"K41","Requested issue":"Required validation fields","Status / claim references":"Answered — C067","Exact missing evidence or next action":"Actual notice not inspected or approved."},"coordinator_acceptance":"component_partial_not_accepted_remaining_required_work","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Whole original row reconciled. Preserve every stated missing source, currentness, jurisdiction/local/tribal, private-fact and deferred requirement. Four models are conditional; two atomic definition citations need UNSENT correction."},{"topic":"K42","researcher_record":{"Coverage row":"K42","Requested issue":"Itemization-date choice and consistency","Status / claim references":"Answered — C068","Exact missing evidence or next action":"Actual reference-date records and amount ascertainability held."},"coordinator_acceptance":"component_partial_not_accepted_remaining_required_work","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Whole original row reconciled. Preserve every stated missing source, currentness, jurisdiction/local/tribal, private-fact and deferred requirement. Four models are conditional; two atomic definition citations need UNSENT correction."},{"topic":"K43","researcher_record":{"Coverage row":"K43","Requested issue":"Amount versus ownership/evidence","Status / claim references":"Answered boundary — C069, C084–C085","Exact missing evidence or next action":"Ownership chain and judgment-level evidence deferred."},"coordinator_acceptance":"component_partial_not_accepted_remaining_required_work","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Whole original row reconciled. Preserve every stated missing source, currentness, jurisdiction/local/tribal, private-fact and deferred requirement. Four models are conditional; two atomic definition citations need UNSENT correction."},{"topic":"K44","researcher_record":{"Coverage row":"K44","Requested issue":"Five-day assumed receipt / 30-day period","Status / claim references":"Answered — C070; Model 1","Exact missing evidence or next action":"Actual provision/receipt dates held."},"coordinator_acceptance":"component_partial_not_accepted_remaining_required_work","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Whole original row reconciled. Preserve every stated missing source, currentness, jurisdiction/local/tribal, private-fact and deferred requirement. Four models are conditional; two atomic definition citations need UNSENT correction."},{"topic":"K45","researcher_record":{"Coverage row":"K45","Requested issue":"Actual versus assumed receipt","Status / claim references":"Partial — C071","Exact missing evidence or next action":"Commentary read; disputed last-day submission/receipt litigation not resolved."},"coordinator_acceptance":"component_partial_not_accepted_remaining_required_work","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Whole original row reconciled. Preserve every stated missing source, currentness, jurisdiction/local/tribal, private-fact and deferred requirement. Four models are conditional; two atomic definition citations need UNSENT correction."},{"topic":"K46","researcher_record":{"Coverage row":"K46","Requested issue":"Wrong address, bounce and replacement","Status / claim references":"Answered — C071, C080","Exact missing evidence or next action":"Actual delivery records and earlier compliance consequences held."},"coordinator_acceptance":"component_partial_not_accepted_remaining_required_work","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Whole original row reconciled. Preserve every stated missing source, currentness, jurisdiction/local/tribal, private-fact and deferred requirement. Four models are conditional; two atomic definition citations need UNSENT correction."},{"topic":"K47","researcher_record":{"Coverage row":"K47","Requested issue":"Oral dispute","Status / claim references":"Answered — C074–C075","Exact missing evidence or next action":"No universal written-only rule; particular message and reporting facts held."},"coordinator_acceptance":"component_partial_not_accepted_remaining_required_work","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Whole original row reconciled. Preserve every stated missing source, currentness, jurisdiction/local/tribal, private-fact and deferred requirement. Four models are conditional; two atomic definition citations need UNSENT correction."},{"topic":"K48","researcher_record":{"Coverage row":"K48","Requested issue":"Timely written dispute / portion pause","Status / claim references":"Answered — C076–C078","Exact missing evidence or next action":"Actual submission, receipt, timeliness and separable disputed portion held."},"coordinator_acceptance":"component_partial_not_accepted_remaining_required_work","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Whole original row reconciled. Preserve every stated missing source, currentness, jurisdiction/local/tribal, private-fact and deferred requirement. Four models are conditional; two atomic definition citations need UNSENT correction."},{"topic":"K49","researcher_record":{"Coverage row":"K49","Requested issue":"Original-creditor identity request","Status / claim references":"Answered — C072–C073","Exact missing evidence or next action":"Actual original/current identity and response records held."},"coordinator_acceptance":"component_partial_not_accepted_remaining_required_work","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Whole original row reconciled. Preserve every stated missing source, currentness, jurisdiction/local/tribal, private-fact and deferred requirement. Four models are conditional; two atomic definition citations need UNSENT correction."},{"topic":"K50","researcher_record":{"Coverage row":"K50","Requested issue":"Duplicate disputes / new material information","Status / claim references":"Answered — C079","Exact missing evidence or next action":"Compare actual submissions and prior response; no duplicate finding here."},"coordinator_acceptance":"component_partial_not_accepted_remaining_required_work","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Whole original row reconciled. Preserve every stated missing source, currentness, jurisdiction/local/tribal, private-fact and deferred requirement. Four models are conditional; two atomic definition citations need UNSENT correction."},{"topic":"K51","researcher_record":{"Coverage row":"K51","Requested issue":"E-SIGN and accepted electronic writing","Status / claim references":"Answered — C077, C081–C082","Exact missing evidence or next action":"Actual consent, withdrawal, capabilities and accepted-medium records held."},"coordinator_acceptance":"component_partial_not_accepted_remaining_required_work","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Whole original row reconciled. Preserve every stated missing source, currentness, jurisdiction/local/tribal, private-fact and deferred requirement. Four models are conditional; two atomic definition citations need UNSENT correction."},{"topic":"K52","researcher_record":{"Coverage row":"K52","Requested issue":"Verification content","Status / claim references":"Partial — C084","Exact missing evidence or next action":"Bounded federal holding read; no universal evidentiary checklist or actual adequacy finding."},"coordinator_acceptance":"component_partial_not_accepted_remaining_required_work","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Whole original row reconciled. Preserve every stated missing source, currentness, jurisdiction/local/tribal, private-fact and deferred requirement. Four models are conditional; two atomic definition citations need UNSENT correction."},{"topic":"K53","researcher_record":{"Coverage row":"K53","Requested issue":"Arizona five-day information / free specified copies","Status / claim references":"Answered posted text — C025–C026","Exact missing evidence or next action":"Actor applicability and later-Register check remain."},"coordinator_acceptance":"component_partial_not_accepted_remaining_required_work","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Whole original row reconciled. Preserve every stated missing source, currentness, jurisdiction/local/tribal, private-fact and deferred requirement. Four models are conditional; two atomic definition citations need UNSENT correction."},{"topic":"K54","researcher_record":{"Coverage row":"K54","Requested issue":"Arizona evidence / investigation","Status / claim references":"Answered posted text — C027–C028","Exact missing evidence or next action":"Actual evidence, asserted grounds and investigation completion held."},"coordinator_acceptance":"component_partial_not_accepted_remaining_required_work","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Whole original row reconciled. Preserve every stated missing source, currentness, jurisdiction/local/tribal, private-fact and deferred requirement. Four models are conditional; two atomic definition citations need UNSENT correction."},{"topic":"K55","researcher_record":{"Coverage row":"K55","Requested issue":"Verification obtained versus sent/received","Status / claim references":"Answered — C083; Model 3","Exact missing evidence or next action":"Adequacy, proper delivery and independent restrictions held."},"coordinator_acceptance":"component_partial_not_accepted_remaining_required_work","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Whole original row reconciled. Preserve every stated missing source, currentness, jurisdiction/local/tribal, private-fact and deferred requirement. Four models are conditional; two atomic definition citations need UNSENT correction."},{"topic":"K56","researcher_record":{"Coverage row":"K56","Requested issue":"Silence, admission and extinguishment","Status / claim references":"Answered boundary — C078, C085","Exact missing evidence or next action":"Debt validity, payment and discharge remain unproved."},"coordinator_acceptance":"component_partial_not_accepted_remaining_required_work","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Whole original row reconciled. Preserve every stated missing source, currentness, jurisdiction/local/tribal, private-fact and deferred requirement. Four models are conditional; two atomic definition citations need UNSENT correction."},{"topic":"K57","researcher_record":{"Coverage row":"K57","Requested issue":"Overshadowing / ongoing collection","Status / claim references":"Answered — C086–C087","Exact missing evidence or next action":"Actual notice layout and surrounding conduct held; B-1 image not read."},"coordinator_acceptance":"component_partial_not_accepted_remaining_required_work","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Whole original row reconciled. Preserve every stated missing source, currentness, jurisdiction/local/tribal, private-fact and deferred requirement. Four models are conditional; two atomic definition citations need UNSENT correction."},{"topic":"K58","researcher_record":{"Coverage row":"K58","Requested issue":"Court deadlines and accrual distinguished","Status / claim references":"Deferred beyond boundary — C088","Exact missing evidence or next action":"Read applicable court rules/served documents or accrual authorities in separate passes; no actual calendar here."},"coordinator_acceptance":"component_partial_not_accepted_remaining_required_work","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Whole original row reconciled. Preserve every stated missing source, currentness, jurisdiction/local/tribal, private-fact and deferred requirement. Four models are conditional; two atomic definition citations need UNSENT correction."},{"topic":"K59","researcher_record":{"Coverage row":"K59","Requested issue":"Selected Arizona statute currentness","Status / claim references":"Partial — C091, C096","Exact missing evidence or next action":"Bounded TOSA checks completed; no all-enactment certificate."},"coordinator_acceptance":"component_partial_not_accepted_remaining_required_work","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Whole original row reconciled. Preserve every stated missing source, currentness, jurisdiction/local/tribal, private-fact and deferred requirement. Four models are conditional; two atomic definition citations need UNSENT correction."},{"topic":"K60","researcher_record":{"Coverage row":"K60","Requested issue":"2022 enactment and renumbering","Status / claim references":"Answered — C090","Exact missing evidence or next action":"Residual §1004(D) cross-reference interpretation remains unestablished."},"coordinator_acceptance":"component_partial_not_accepted_remaining_required_work","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Whole original row reconciled. Preserve every stated missing source, currentness, jurisdiction/local/tribal, private-fact and deferred requirement. Four models are conditional; two atomic definition citations need UNSENT correction."},{"topic":"K61","researcher_record":{"Coverage row":"K61","Requested issue":"2023 rule adoption / commencement","Status / claim references":"Answered — C092","Exact missing evidence or next action":"Earlier historical adoptions quoted in notes not separately reopened."},"coordinator_acceptance":"component_partial_not_accepted_remaining_required_work","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Whole original row reconciled. Preserve every stated missing source, currentness, jurisdiction/local/tribal, private-fact and deferred requirement. Four models are conditional; two atomic definition citations need UNSENT correction."},{"topic":"K62","researcher_record":{"Coverage row":"K62","Requested issue":"Post-Supplement-25-4 rule changes","Status / claim references":"Held — C093, S034","Exact missing evidence or next action":"Read accessible official cumulative Register index and responsive final notices."},"coordinator_acceptance":"component_partial_not_accepted_remaining_required_work","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Whole original row reconciled. Preserve every stated missing source, currentness, jurisdiction/local/tribal, private-fact and deferred requirement. Four models are conditional; two atomic definition citations need UNSENT correction."},{"topic":"K63","researcher_record":{"Coverage row":"K63","Requested issue":"Federal operative text / effective dates","Status / claim references":"Answered within sources — C094, C096","Exact missing evidence or next action":"No full all-litigation stay/vacatur certification."},"coordinator_acceptance":"component_partial_not_accepted_remaining_required_work","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Whole original row reconciled. Preserve every stated missing source, currentness, jurisdiction/local/tribal, private-fact and deferred requirement. Four models are conditional; two atomic definition citations need UNSENT correction."},{"topic":"K64","researcher_record":{"Coverage row":"K64","Requested issue":"Technical corrections / mirror error","Status / claim references":"Answered — C095","Exact missing evidence or next action":"Use corrected eCFR/final-notice cross-reference; do not copy mirror typo."},"coordinator_acceptance":"component_partial_not_accepted_remaining_required_work","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Whole original row reconciled. Preserve every stated missing source, currentness, jurisdiction/local/tribal, private-fact and deferred requirement. Four models are conditional; two atomic definition citations need UNSENT correction."},{"topic":"K65","researcher_record":{"Coverage row":"K65","Requested issue":"Published majority bodies and posture","Status / claim references":"Answered narrowly — C009–C012, C041, C065, C074–C075, C084","Exact missing evidence or next action":"Full subsequent-history research remains open."},"coordinator_acceptance":"component_partial_not_accepted_remaining_required_work","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Whole original row reconciled. Preserve every stated missing source, currentness, jurisdiction/local/tribal, private-fact and deferred requirement. Four models are conditional; two atomic definition citations need UNSENT correction."},{"topic":"K66","researcher_record":{"Coverage row":"K66","Requested issue":"Official opinion failures / reproductions","Status / claim references":"Partial — S029–S030","Exact missing evidence or next action":"Official files for these two opinions remain unobtained; disclosed opinion reproductions read."},"coordinator_acceptance":"component_partial_not_accepted_remaining_required_work","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Whole original row reconciled. Preserve every stated missing source, currentness, jurisdiction/local/tribal, private-fact and deferred requirement. Four models are conditional; two atomic definition citations need UNSENT correction."},{"topic":"K67","researcher_record":{"Coverage row":"K67","Requested issue":"Unpublished opinions / citation restrictions","Status / claim references":"Not invoked — C097","Exact missing evidence or next action":"No unpublished opinion relied on; if later used, first verify governing citation rule and format."},"coordinator_acceptance":"component_partial_not_accepted_remaining_required_work","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Whole original row reconciled. Preserve every stated missing source, currentness, jurisdiction/local/tribal, private-fact and deferred requirement. Four models are conditional; two atomic definition citations need UNSENT correction."},{"topic":"K68","researcher_record":{"Coverage row":"K68","Requested issue":"Federal whole-chapter and cross-reference failures","Status / claim references":"Resolved for material text — S013–S014, S023, S036–S037","Exact missing evidence or next action":"Failed editions themselves remain unread; no absence inference."},"coordinator_acceptance":"component_partial_not_accepted_remaining_required_work","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Whole original row reconciled. Preserve every stated missing source, currentness, jurisdiction/local/tribal, private-fact and deferred requirement. Four models are conditional; two atomic definition citations need UNSENT correction."},{"topic":"K69","researcher_record":{"Coverage row":"K69","Requested issue":"Arizona AG guidance route","Status / claim references":"Held — S033","Exact missing evidence or next action":"Obtain current accessible official page via a valid official index."},"coordinator_acceptance":"component_partial_not_accepted_remaining_required_work","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Whole original row reconciled. Preserve every stated missing source, currentness, jurisdiction/local/tribal, private-fact and deferred requirement. Four models are conditional; two atomic definition citations need UNSENT correction."},{"topic":"K70","researcher_record":{"Coverage row":"K70","Requested issue":"CFPB public information route","Status / claim references":"Answered as guidance — C089","Exact missing evidence or next action":"No complaint, account or submission made."},"coordinator_acceptance":"component_partial_not_accepted_remaining_required_work","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Whole original row reconciled. Preserve every stated missing source, currentness, jurisdiction/local/tribal, private-fact and deferred requirement. Four models are conditional; two atomic definition citations need UNSENT correction."},{"topic":"K71","researcher_record":{"Coverage row":"K71","Requested issue":"Model 1: notice/receipt chronology","Status / claim references":"Completed conditional example","Exact missing evidence or next action":"Actual delivery facts and boundary disputes held."},"coordinator_acceptance":"component_partial_not_accepted_remaining_required_work","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Whole original row reconciled. Preserve every stated missing source, currentness, jurisdiction/local/tribal, private-fact and deferred requirement. Four models are conditional; two atomic definition citations need UNSENT correction."},{"topic":"K72","researcher_record":{"Coverage row":"K72","Requested issue":"Model 2: full call reconciliation","Status / claim references":"Completed conditional example","Exact missing evidence or next action":"Actual logs, contents, consent and state compatibility held."},"coordinator_acceptance":"component_partial_not_accepted_remaining_required_work","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Whole original row reconciled. Preserve every stated missing source, currentness, jurisdiction/local/tribal, private-fact and deferred requirement. Four models are conditional; two atomic definition citations need UNSENT correction."},{"topic":"K73","researcher_record":{"Coverage row":"K73","Requested issue":"Model 3: oral/written/verification sequence","Status / claim references":"Completed conditional example","Exact missing evidence or next action":"Actual dispute, evidence and investigation held."},"coordinator_acceptance":"component_partial_not_accepted_remaining_required_work","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Whole original row reconciled. Preserve every stated missing source, currentness, jurisdiction/local/tribal, private-fact and deferred requirement. Four models are conditional; two atomic definition citations need UNSENT correction."},{"topic":"K74","researcher_record":{"Coverage row":"K74","Requested issue":"Model 4: electronic delivery/opt-out/original identity","Status / claim references":"Completed conditional example","Exact missing evidence or next action":"Actual E-SIGN and communication records held."},"coordinator_acceptance":"component_partial_not_accepted_remaining_required_work","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Whole original row reconciled. Preserve every stated missing source, currentness, jurisdiction/local/tribal, private-fact and deferred requirement. Four models are conditional; two atomic definition citations need UNSENT correction."},{"topic":"K75","researcher_record":{"Coverage row":"K75","Requested issue":"At least 12 distinct fictional postures","Status / claim references":"Completed: 18 postures","Exact missing evidence or next action":"Examples are not eligibility or permission decisions."},"coordinator_acceptance":"component_partial_not_accepted_remaining_required_work","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Whole original row reconciled. Preserve every stated missing source, currentness, jurisdiction/local/tribal, private-fact and deferred requirement. Four models are conditional; two atomic definition citations need UNSENT correction."},{"topic":"Arizona statewide statutory/rule baseline","researcher_record":{"Territory/fact row":"T01","Subject":"Arizona statewide statutory/rule baseline","Status / relevant claims":"Partial — C013–C032, C090–C093","Exact missing evidence or next action":"Later-Register reconciliation and actual actor applicability remain."},"coordinator_acceptance":"component_partial_not_accepted_remaining_required_work","raw_table_index":18,"row_kind":"territory_fact_hold","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Whole original row reconciled. Preserve every stated missing source, currentness, jurisdiction/local/tribal, private-fact and deferred requirement. Four models are conditional; two atomic definition citations need UNSENT correction."},{"topic":"Interstate/remote collection into Arizona","researcher_record":{"Territory/fact row":"T02","Subject":"Interstate/remote collection into Arizona","Status / relevant claims":"Held beyond bounded text — C015–C016","Exact missing evidence or next action":"Responsive jurisdiction, choice-of-law and contact facts required."},"coordinator_acceptance":"component_partial_not_accepted_remaining_required_work","raw_table_index":18,"row_kind":"territory_fact_hold","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Whole original row reconciled. Preserve every stated missing source, currentness, jurisdiction/local/tribal, private-fact and deferred requirement. Four models are conditional; two atomic definition citations need UNSENT correction."},{"topic":"County court/local practice","researcher_record":{"Territory/fact row":"T03","Subject":"County court/local practice","Status / relevant claims":"Deferred — C088","Exact missing evidence or next action":"No county inventory or individual county rule/form validation performed in P07. Any relevant local rule requires its own official-body check."},"coordinator_acceptance":"component_partial_not_accepted_remaining_required_work","raw_table_index":18,"row_kind":"territory_fact_hold","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Whole original row reconciled. Preserve every stated missing source, currentness, jurisdiction/local/tribal, private-fact and deferred requirement. Four models are conditional; two atomic definition citations need UNSENT correction."},{"topic":"Municipal/local ordinances and administrative practices","researcher_record":{"Territory/fact row":"T04","Subject":"Municipal/local ordinances and administrative practices","Status / relevant claims":"Held","Exact missing evidence or next action":"No local conduct ordinance inventory verified; check the actual relevant locality only in an authorized later pass."},"coordinator_acceptance":"component_partial_not_accepted_remaining_required_work","raw_table_index":18,"row_kind":"territory_fact_hold","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Whole original row reconciled. Preserve every stated missing source, currentness, jurisdiction/local/tribal, private-fact and deferred requirement. Four models are conditional; two atomic definition citations need UNSENT correction."},{"topic":"Tribal law, jurisdiction and sovereign actors","researcher_record":{"Territory/fact row":"T05","Subject":"Tribal law, jurisdiction and sovereign actors","Status / relevant claims":"Held","Exact missing evidence or next action":"No tribal code, agreement, status or jurisdictional facts researched."},"coordinator_acceptance":"component_partial_not_accepted_remaining_required_work","raw_table_index":18,"row_kind":"territory_fact_hold","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Whole original row reconciled. Preserve every stated missing source, currentness, jurisdiction/local/tribal, private-fact and deferred requirement. Four models are conditional; two atomic definition citations need UNSENT correction."},{"topic":"Federal versus Arizona state-court precedent treatment","researcher_record":{"Territory/fact row":"T06","Subject":"Federal versus Arizona state-court precedent treatment","Status / relevant claims":"Partial — C097","Exact missing evidence or next action":"Federal published holdings identified; no separate state-court precedential-status dossier or forum selection."},"coordinator_acceptance":"component_partial_not_accepted_remaining_required_work","raw_table_index":18,"row_kind":"territory_fact_hold","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Whole original row reconciled. Preserve every stated missing source, currentness, jurisdiction/local/tribal, private-fact and deferred requirement. Four models are conditional; two atomic definition citations need UNSENT correction."},{"topic":"Other states, territories and countries","researcher_record":{"Territory/fact row":"T07","Subject":"Other states, territories and countries","Status / relevant claims":"Deferred","Exact missing evidence or next action":"Federal definitions do not supply another jurisdiction’s complete conduct law. No country or parent acceptance."},"coordinator_acceptance":"component_partial_not_accepted_remaining_required_work","raw_table_index":18,"row_kind":"territory_fact_hold","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Whole original row reconciled. Preserve every stated missing source, currentness, jurisdiction/local/tribal, private-fact and deferred requirement. Four models are conditional; two atomic definition citations need UNSENT correction."},{"topic":"Actual debt, contract, collector, consent, delivery and calendar facts","researcher_record":{"Territory/fact row":"T08","Subject":"Actual debt, contract, collector, consent, delivery and calendar facts","Status / relevant claims":"Held throughout","Exact missing evidence or next action":"No private records queried. Any later application requires separately authorized evidence; none is inferred here."},"coordinator_acceptance":"component_partial_not_accepted_remaining_required_work","raw_table_index":18,"row_kind":"territory_fact_hold","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Whole original row reconciled. Preserve every stated missing source, currentness, jurisdiction/local/tribal, private-fact and deferred requirement. Four models are conditional; two atomic definition citations need UNSENT correction."},{"topic":"Collection-agency licensing/security/application","researcher_record":{"Deferred row":"D01","Family":"Collection-agency licensing/security/application","Boundary preserved":"P06 remains separate and unreviewed","Exact later investigation":"Determine actual state license/exemption/security predicates in that component; no fees/bonds rerun here."},"coordinator_acceptance":"component_partial_not_accepted_remaining_required_work","raw_table_index":19,"row_kind":"deferred_required_work","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Whole original row reconciled. Preserve every stated missing source, currentness, jurisdiction/local/tribal, private-fact and deferred requirement. Four models are conditional; two atomic definition citations need UNSENT correction."},{"topic":"Debt-management/settlement/credit-repair/CROA models and fees","researcher_record":{"Deferred row":"D02","Family":"Debt-management/settlement/credit-repair/CROA models and fees","Boundary preserved":"P01/P02 do not establish collector status","Exact later investigation":"Separate provider-model, agreement, fee and federal ancillary-law investigations."},"coordinator_acceptance":"component_partial_not_accepted_remaining_required_work","raw_table_index":19,"row_kind":"deferred_required_work","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Whole original row reconciled. Preserve every stated missing source, currentness, jurisdiction/local/tribal, private-fact and deferred requirement. Four models are conditional; two atomic definition citations need UNSENT correction."},{"topic":"Full debt merits, validity, payment and identity theft","researcher_record":{"Deferred row":"D03","Family":"Full debt merits, validity, payment and identity theft","Boundary preserved":"Validation is not adjudication","Exact later investigation":"Obtain authorized merits evidence and applicable substantive law."},"coordinator_acceptance":"component_partial_not_accepted_remaining_required_work","raw_table_index":19,"row_kind":"deferred_required_work","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Whole original row reconciled. Preserve every stated missing source, currentness, jurisdiction/local/tribal, private-fact and deferred requirement. Four models are conditional; two atomic definition citations need UNSENT correction."},{"topic":"Service and venue","researcher_record":{"Deferred row":"D04","Family":"Service and venue","Boundary preserved":"C088 boundary only","Exact later investigation":"Read governing court rules/statutes and actual service facts."},"coordinator_acceptance":"component_partial_not_accepted_remaining_required_work","raw_table_index":19,"row_kind":"deferred_required_work","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Whole original row reconciled. Preserve every stated missing source, currentness, jurisdiction/local/tribal, private-fact and deferred requirement. Four models are conditional; two atomic definition citations need UNSENT correction."},{"topic":"Answers, default and vacatur","researcher_record":{"Deferred row":"D05","Family":"Answers, default and vacatur","Boundary preserved":"No live deadline calculated","Exact later investigation":"Separate court-specific procedural investigation."},"coordinator_acceptance":"component_partial_not_accepted_remaining_required_work","raw_table_index":19,"row_kind":"deferred_required_work","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Whole original row reconciled. Preserve every stated missing source, currentness, jurisdiction/local/tribal, private-fact and deferred requirement. Four models are conditional; two atomic definition citations need UNSENT correction."},{"topic":"Standing, ownership chain and trial evidence","researcher_record":{"Deferred row":"D06","Family":"Standing, ownership chain and trial evidence","Boundary preserved":"C069/C084 boundary only","Exact later investigation":"Published evidentiary/standing authorities and actual admissible records."},"coordinator_acceptance":"component_partial_not_accepted_remaining_required_work","raw_table_index":19,"row_kind":"deferred_required_work","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Whole original row reconciled. Preserve every stated missing source, currentness, jurisdiction/local/tribal, private-fact and deferred requirement. Four models are conditional; two atomic definition citations need UNSENT correction."},{"topic":"Limitation, accrual, acknowledgment and revival","researcher_record":{"Deferred row":"D07","Family":"Limitation, accrual, acknowledgment and revival","Boundary preserved":"P05 not imported","Exact later investigation":"Separate source-supported clock analysis."},"coordinator_acceptance":"component_partial_not_accepted_remaining_required_work","raw_table_index":19,"row_kind":"deferred_required_work","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Whole original row reconciled. Preserve every stated missing source, currentness, jurisdiction/local/tribal, private-fact and deferred requirement. Four models are conditional; two atomic definition citations need UNSENT correction."},{"topic":"Judgment duration, renewal and execution","researcher_record":{"Deferred row":"D08","Family":"Judgment duration, renewal and execution","Boundary preserved":"No renewal premise","Exact later investigation":"Separate judgment-enforcement gateway."},"coordinator_acceptance":"component_partial_not_accepted_remaining_required_work","raw_table_index":19,"row_kind":"deferred_required_work","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Whole original row reconciled. Preserve every stated missing source, currentness, jurisdiction/local/tribal, private-fact and deferred requirement. Four models are conditional; two atomic definition citations need UNSENT correction."},{"topic":"Earnings, bank accounts and property exemptions","researcher_record":{"Deferred row":"D09","Family":"Earnings, bank accounts and property exemptions","Boundary preserved":"P03/P04 not imported","Exact later investigation":"Separate enforcement and exemption regimes."},"coordinator_acceptance":"component_partial_not_accepted_remaining_required_work","raw_table_index":19,"row_kind":"deferred_required_work","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Whole original row reconciled. Preserve every stated missing source, currentness, jurisdiction/local/tribal, private-fact and deferred requirement. Four models are conditional; two atomic definition citations need UNSENT correction."},{"topic":"Homestead, foreclosure, repossession and secured debt","researcher_record":{"Deferred row":"D10","Family":"Homestead, foreclosure, repossession and secured debt","Boundary preserved":"C012 only","Exact later investigation":"Full security-enforcement law and facts."},"coordinator_acceptance":"component_partial_not_accepted_remaining_required_work","raw_table_index":19,"row_kind":"deferred_required_work","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Whole original row reconciled. Preserve every stated missing source, currentness, jurisdiction/local/tribal, private-fact and deferred requirement. Four models are conditional; two atomic definition citations need UNSENT correction."},{"topic":"Damages, penalties, remedies and complete defenses","researcher_record":{"Deferred row":"D11","Family":"Damages, penalties, remedies and complete defenses","Boundary preserved":"No amounts supplied","Exact later investigation":"Separate statutory-remedy and controlling-case analysis; §1692k(c) used only for C056."},"coordinator_acceptance":"component_partial_not_accepted_remaining_required_work","raw_table_index":19,"row_kind":"deferred_required_work","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Whole original row reconciled. Preserve every stated missing source, currentness, jurisdiction/local/tribal, private-fact and deferred requirement. Four models are conditional; two atomic definition citations need UNSENT correction."},{"topic":"TCPA, DNC and automated-contact consent","researcher_record":{"Deferred row":"D12","Family":"TCPA, DNC and automated-contact consent","Boundary preserved":"Regulation F does not clear these","Exact later investigation":"Fresh FCC/statutory/case research before any contact conclusion."},"coordinator_acceptance":"component_partial_not_accepted_remaining_required_work","raw_table_index":19,"row_kind":"deferred_required_work","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Whole original row reconciled. Preserve every stated missing source, currentness, jurisdiction/local/tribal, private-fact and deferred requirement. Four models are conditional; two atomic definition citations need UNSENT correction."},{"topic":"Full FCRA, reporting accuracy and reinvestigation","researcher_record":{"Deferred row":"D13","Family":"Full FCRA, reporting accuracy and reinvestigation","Boundary preserved":"C047–C048 only","Exact later investigation":"Full furnisher/CRA obligations and actual reporting facts."},"coordinator_acceptance":"component_partial_not_accepted_remaining_required_work","raw_table_index":19,"row_kind":"deferred_required_work","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Whole original row reconciled. Preserve every stated missing source, currentness, jurisdiction/local/tribal, private-fact and deferred requirement. Four models are conditional; two atomic definition citations need UNSENT correction."},{"topic":"Privacy, data security and recording laws","researcher_record":{"Deferred row":"D14","Family":"Privacy, data security and recording laws","Boundary preserved":"No privacy permission inferred","Exact later investigation":"Applicable federal/state/local privacy and consent law."},"coordinator_acceptance":"component_partial_not_accepted_remaining_required_work","raw_table_index":19,"row_kind":"deferred_required_work","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Whole original row reconciled. Preserve every stated missing source, currentness, jurisdiction/local/tribal, private-fact and deferred requirement. Four models are conditional; two atomic definition citations need UNSENT correction."},{"topic":"Bankruptcy stay/discharge and military protections","researcher_record":{"Deferred row":"D15","Family":"Bankruptcy stay/discharge and military protections","Boundary preserved":"Allegations do not establish status","Exact later investigation":"Separate operative law, order/status and exception evidence."},"coordinator_acceptance":"component_partial_not_accepted_remaining_required_work","raw_table_index":19,"row_kind":"deferred_required_work","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Whole original row reconciled. Preserve every stated missing source, currentness, jurisdiction/local/tribal, private-fact and deferred requirement. Four models are conditional; two atomic definition citations need UNSENT correction."},{"topic":"Tax, support, student, medical, utilities and other special sectors","researcher_record":{"Deferred row":"D16","Family":"Tax, support, student, medical, utilities and other special sectors","Boundary preserved":"Ordinary consumer gateway only","Exact later investigation":"Debt-specific statutes and regulations, including any special notice rules."},"coordinator_acceptance":"component_partial_not_accepted_remaining_required_work","raw_table_index":19,"row_kind":"deferred_required_work","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Whole original row reconciled. Preserve every stated missing source, currentness, jurisdiction/local/tribal, private-fact and deferred requirement. Four models are conditional; two atomic definition citations need UNSENT correction."},{"topic":"General Arizona consumer fraud and professional rules","researcher_record":{"Deferred row":"D17","Family":"General Arizona consumer fraud and professional rules","Boundary preserved":"Original-creditor/attorney exclusion is not general immunity","Exact later investigation":"Separate statutes, professional rules and responsive holdings."},"coordinator_acceptance":"component_partial_not_accepted_remaining_required_work","raw_table_index":19,"row_kind":"deferred_required_work","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Whole original row reconciled. Preserve every stated missing source, currentness, jurisdiction/local/tribal, private-fact and deferred requirement. Four models are conditional; two atomic definition citations need UNSENT correction."},{"topic":"Contract defenses, arbitration and choice of law","researcher_record":{"Deferred row":"D18","Family":"Contract defenses, arbitration and choice of law","Boundary preserved":"No contract accepted or interpreted","Exact later investigation":"Actual authorized agreement and governing-law research."},"coordinator_acceptance":"component_partial_not_accepted_remaining_required_work","raw_table_index":19,"row_kind":"deferred_required_work","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Whole original row reconciled. Preserve every stated missing source, currentness, jurisdiction/local/tribal, private-fact and deferred requirement. Four models are conditional; two atomic definition citations need UNSENT correction."},{"topic":"Minority, disability, government and special bad-check programs","researcher_record":{"Deferred row":"D19","Family":"Minority, disability, government and special bad-check programs","Boundary preserved":"No special eligibility finding","Exact later investigation":"Read complete responsive cross-references and actual status predicates."},"coordinator_acceptance":"component_partial_not_accepted_remaining_required_work","raw_table_index":19,"row_kind":"deferred_required_work","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Whole original row reconciled. Preserve every stated missing source, currentness, jurisdiction/local/tribal, private-fact and deferred requirement. Four models are conditional; two atomic definition citations need UNSENT correction."},{"topic":"Full collector record-retention, supervision and enforcement procedures","researcher_record":{"Deferred row":"D20","Family":"Full collector record-retention, supervision and enforcement procedures","Boundary preserved":"Not established by these conduct excerpts","Exact later investigation":"Separate operative administrative and federal recordkeeping analysis."},"coordinator_acceptance":"component_partial_not_accepted_remaining_required_work","raw_table_index":19,"row_kind":"deferred_required_work","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Whole original row reconciled. Preserve every stated missing source, currentness, jurisdiction/local/tribal, private-fact and deferred requirement. Four models are conditional; two atomic definition citations need UNSENT correction."},{"topic":"Complete state/country/parent dossier","researcher_record":{"Deferred row":"D21","Family":"Complete state/country/parent dossier","Boundary preserved":"All broader categories remain open","Exact later investigation":"Separate focused passes and actual coordinator review; no A066/A097/A098 acceptance."},"coordinator_acceptance":"component_partial_not_accepted_remaining_required_work","raw_table_index":19,"row_kind":"deferred_required_work","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Whole original row reconciled. Preserve every stated missing source, currentness, jurisdiction/local/tribal, private-fact and deferred requirement. Four models are conditional; two atomic definition citations need UNSENT correction."}],"annotations":{},"corrections":[{"issue_id":"S_AZ-P07-Q001","finding":"Consumer is defined in paragraph(e); paragraph(d) defines communicate/communication. The selected current posted definitions directly identify the numbered subdivisions. The underlying conditional proposition is supported; replace only these Regulation F pinpoints, preserving the statute citation, original IDs, qualification and all unreviewed portions.","affected_claim_ids":["S_AZ-P07-C001"],"related_claim_ids":[],"validated_exact_raw_rows":[],"exact_original_cell_matches":[{"native_field":"original_cell","original_text":"S013, §1692a(3), (5); S016–S017, §1006.2(d), (h). H; actual purpose held.","matches":[{"raw_table_index_zero_based":4,"raw_array_row_index_zero_based_including_header":1,"cell_index_zero_based":3}],"automatic_application_allowed":true}],"source_urls":["https://www.consumerfinance.gov/rules-policy/regulations/1006/2/"],"localization":"exact_native_row_or_cell_matches_available","public_status":"Recorded correction pending; working-paper assertion requires the stated repair or qualification."},{"issue_id":"S_AZ-P07-Q002","finding":"Attempt to communicate is paragraph(b), and communicate/communication is paragraph(d). Paragraphs(a)/(c) define Act/Bureau. The selected current posted definitions directly identify the numbered subdivisions. The underlying conditional proposition is supported; replace only these Regulation F pinpoints, preserving the statute citation, original IDs, qualification and all unreviewed portions.","affected_claim_ids":["S_AZ-P07-C002"],"related_claim_ids":[],"validated_exact_raw_rows":[],"exact_original_cell_matches":[{"native_field":"original_cell","original_text":"S013, §1692a(2); S016–S017, §1006.2(a), (c), (j). H.","matches":[{"raw_table_index_zero_based":4,"raw_array_row_index_zero_based_including_header":2,"cell_index_zero_based":3}],"automatic_application_allowed":true}],"source_urls":["https://www.consumerfinance.gov/rules-policy/regulations/1006/2/"],"localization":"exact_native_row_or_cell_matches_available","public_status":"Recorded correction pending; working-paper assertion requires the stated repair or qualification."}],"resolved_corrections":[],"review_history":[{"id":"S_AZ-P07-SCOPED","status":"scoped_review_with_UNSENT_definition_pinpoints_and_material_evidence_holds","at":null}]}