{"meta":{"key":"s_az--pass-08","task":"S_AZ","title":"Arizona credit-services and credit-repair classification, contracts, cancellation, security, and limited remedies","parent_title":"Arizona debt and debt relief law","edition":"pass-08","path":"/research/s_az--pass-08/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-27","tables":19,"claims":89,"sources":34,"review_status":"scoped_coordinator_review_with_limits_no_material_correction_established","review_complete":true,"sha256":"1505b2f0e8648c8d1eee26a74aba2c3d50eb8b1de52a13b0dfe56eb473fef419","headings":["Arizona credit-services and credit-repair classification, contracts, cancellation, security, and limited remedies","1. Access, scope, and provenance","2.1 Arizona classification and exclusions","2.2 Arizona payment restrictions, security, and public procedure","2.3 Arizona disclosure, agreement, cancellation, and limited remedies","2.4 Federal CROA classification and incorporated exclusions","2.5 CROA performance, documents, cancellation, and remedies","2.6 Necessary TSR overlap","2.7 Judicial construction and currentness claims","4.1 Arizona sources","4.2 Federal statutes and incorporated definitions","4.3 TSR, guidance, and federal opinions","4.4 Failed and partial retrieval register","Model 1 — Classification, state bond condition, and federal payment timing","Model 2 — Completed preliminary work versus an integrated unfinished package","Model 3 — Early written cancellation, actual receipt, and return of payment","Model 4 — Customer money, disputed fee, creditor transfer, and provider security","7.1 Core, workflow, security, timing, and currentness coverage","7.2 Territory and local-practice holds","7.3 Separate required components"],"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-08","facets":{"geography":["us","us-az"],"debt_type":["unknown"],"stage":[],"subject":["definitions-classification","agreements-disclosures","credit-reporting","research-quality"]},"scope":"ReviewedP01 remaining Adjacent CSO rules/Exact current CROA codification/fullagreements-security-remedies narrowed to state CSO classification/exclusions/disclosure-contract-cancellation/security/limitedremedy and necessary federal interaction; P02renewal/P03–P07unreviewednotpremises.","pending_corrections":0},"markdown":"# SettleADebt — S_AZ PASS-08\n\n## Arizona credit-services and credit-repair classification, contracts, cancellation, security, and limited remedies\n\n**This pass establishes the rules in the primary bodies actually read and preserves specific application and currentness holds. It does not establish that an actual business is exempt, authorized, entitled to a fee, or liable for a particular refund or award.**\n\nThe main findings are:\n\n- **Arizona’s credit-services definition reaches more than conventional credit repair.** It includes compensated assistance obtaining credit from others, and “credit” includes a right to defer payment. That makes some forbearance arrangements relevant to classification, but I did **not** locate a responsive published Arizona holding deciding that a payment concession, by itself, constitutes “obtaining” credit. Principal reduction alone is not automatically a grant of deferred-payment rights. **C001–C007.**\n- **Arizona’s bond-conditioned advance-payment provision and the federal prohibitions must be tested separately.** A compliant Arizona bond can satisfy the exception in A.R.S. § 44-1703(1); it does not override CROA or the TSR, establish completion, or turn customer money into earned fees. **C016, C020–C027, C052, C068–C074.**\n- **The cancellation language is not uniform.** Arizona uses “third day” and a refund obligation measured from receipt of cancellation. CROA’s operative cancellation right uses “third business day,” while its prescribed detachable notice says “3rd day.” That federal discrepancy appears in the original enactment as well as the codification. I have preserved it instead of manufacturing one combined deadline. **C035–C037, C056–C058, C084, C086–C087.**\n- **For covered credit-repair telemarketing, two separate conditions must precede requesting or receiving payment:** expiration of the represented performance timeframe, and provision of a qualifying consumer report issued **more than six months after the promised results were achieved**. Neither condition must occur first relative to the other. An early-issued report does not become qualifying merely by aging. **C068–C071.**\n- **The currentness evidence has limits.** The complete readable OLRC CROA bodies displayed currency through **October 7, 2026**. A newer October 20 release was only partially recovered. The eCFR displayed Title 16 currency through **October 23, 2026**. Arizona’s posted statutes were checked against relevant 2023–2026 affected-statute tables, but the original 1988 Arizona enactment and a complete earlier amendment chain were not recovered. **C081–C085.**\n\nThe controlling Arizona starting points are [https://www.azleg.gov/ars/44/01701.htm](https://www.azleg.gov/ars/44/01701.htm?utm_source=chatgpt.com), [https://www.azleg.gov/ars/44/01703.htm](https://www.azleg.gov/ars/44/01703.htm?utm_source=chatgpt.com), and [https://www.azleg.gov/ars/44/01706.htm](https://www.azleg.gov/ars/44/01706.htm?utm_source=chatgpt.com). The principal federal texts are [https://uscode.house.gov/us/usc/119-118/t15/s1679b/](https://uscode.house.gov/us/usc/119-118/t15/s1679b/?utm_source=chatgpt.com), [https://uscode.house.gov/us/usc/119-118/t15/s1679e/](https://uscode.house.gov/us/usc/119-118/t15/s1679e/?utm_source=chatgpt.com), and [https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310](https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310?utm_source=chatgpt.com). [Definitions+5](https://www.azleg.gov/ars/44/01701.htm?utm_source=chatgpt.com)\n\n## 1. Access, scope, and provenance\n\n| Item | Record for this pass |\n| --- | --- |\n| Baseline requested | October 22, 2026, Pacific. |\n| Actual research access | **October 27, 2026, Pacific**, later than the baseline. |\n| Clock information | A research-session clock was logged at 12:34:27 UTC, equivalent to 05:34:27 Pacific; a later clock read was 13:03:43 UTC, equivalent to 06:03:43 Pacific. These are session observations, **not timestamps for individual source openings**. |\n| Individual source-opening times | **Unknown unless expressly stated otherwise.** Publication dates, source currency, and this report’s completion are not substituted for opening times. |\n| Method | Public search and actual webpage/PDF-body retrieval in this conversation. PDF reading was of returned paginated text; no assertion of visual authentication of signatures or seals. |\n| Earlier-pass reliance | No legal conclusion in this pass rests on unreviewed P03–P07. P02 licensing renewal/proration supplies no premise here. The P01 review descriptions are user-supplied provenance, not a newly opened coordinator file. |\n| Actions | No private records, actual credit reports, entity-status searches, applications, submissions, contacts, accounts, purchases, website changes, publication, new chats, or subagents were used for this pass. |\n| Identifier convention | Full source IDs are **S_AZ-P08-S001–S034**. Full claim IDs are **S_AZ-P08-C001–C089**. Short references such as “S001” and “C016” below mean those PASS-08 IDs only. |\n| Confidence convention | **High-text** means the stated proposition is supported by the body read, subject to that source’s version limits. **Conditional** means factual predicates remain unproved. **Held** means identified evidence or construction is missing. These labels do not constitute acceptance of the component. |\n\n# 2. Substantive findings and atomic claim/evidence tables\n\n## 2.1 Arizona classification and exclusions\n\nThe state inquiry starts with the actual services, consideration, credit purpose, and actor—not the company’s label. A credit-improvement representation can independently matter even if a program is described as education, monitoring, negotiations, or referrals. Conversely, a service does not become credit repair merely because it concerns someone who has debt.\n\nThe particularly unresolved boundary is a **new payment concession**. Arizona’s definition expressly includes a right to defer payment; that supports examining whether an arrangement creates such a right. It does not answer, without more, whether a particular negotiator has obtained an extension of credit, whether an existing right merely continued, or whether a principal reduction without new deferral falls within that branch.\n\n| Claim ID | Actor and predicate | Rule, consequence, or hold | Primary evidence and limits |\n| --- | --- | --- | --- |\n| **S_AZ-P08-C001** | Person solicited to purchase or purchasing covered services | Arizona’s “buyer” is a **natural person**. Entity purchasers do not satisfy that definition merely because an owner is an individual. | **S001**, A.R.S. § 44-1701(1), [https://www.azleg.gov/ars/44/01701.htm](https://www.azleg.gov/ars/44/01701.htm?utm_source=chatgpt.com). High-text; actual buyer identity held. |\n| **S_AZ-P08-C002** | Person acting for money or other valuable consideration, concerning credit extended by others | CSO coverage includes selling, providing, performing, or representing an ability to improve a buyer’s credit record/history/rating, obtain credit, or provide related advice or assistance. | **S001**, § 44-1701(2)(a)–(c), [https://www.azleg.gov/ars/44/01701.htm](https://www.azleg.gov/ars/44/01701.htm?utm_source=chatgpt.com). High-text; consideration and representations are factual predicates. |\n| **S_AZ-P08-C003** | Credit arrangement primarily for personal, family, or household purposes | “Extension of credit” includes a right to defer debt payment or incur debt and defer payment. The Arizona definition contains a consumer-purpose limitation. | **S001**, § 44-1701(3), [https://www.azleg.gov/ars/44/01701.htm](https://www.azleg.gov/ars/44/01701.htm?utm_source=chatgpt.com). High-text; mixed-purpose classification held. |\n| **S_AZ-P08-C004** | Negotiator obtaining forbearance, a new payment schedule, or principal reduction | A newly granted deferral right is textually relevant. Whether a concession alone is “obtaining” credit remains **unresolved**; no responsive published Arizona construction was located in the bounded search. Principal reduction alone does not establish a deferral right. | **S001**, § 44-1701(2)(b), (3), same URL. **Inference from text**, not a judicial holding or actual classification. |\n| **S_AZ-P08-C005** | Monitoring, education, “free” repair, referrals, or separately priced mixed services | Labels and invoice separation do not displace the statutory predicates. Whether indirect consideration or an integrated package supplies those predicates requires actual facts; no assurance follows from charging through an affiliate or separating prices. | **S001**, § 44-1701(2), same URL; **S030**, *Stout*, pp. 12–18, [https://cdn.ca9.uscourts.gov/datastore/opinions/2014/02/21/10-56887.pdf](https://cdn.ca9.uscourts.gov/datastore/opinions/2014/02/21/10-56887.pdf?utm_source=chatgpt.com). Conditional; *Stout* construes federal CROA. |\n| **S_AZ-P08-C006** | Arizona-based conduct directed to nonresident buyers | *Sgrillo* rejected nonresident-buyer immunity for the Arizona conduct before it. That decision supports the outbound Arizona situation it decided. | **S015**, 176 Ariz. 148, **149**, [https://law.justia.com/cases/arizona/court-of-appeals/1993/176-ariz-148.html](https://law.justia.com/cases/arizona/court-of-appeals/1993/176-ariz-148.html?utm_source=chatgpt.com). Published majority reproduced by Justia; classification was conceded in the posture described below. |\n| **S_AZ-P08-C007** | Remote seller outside Arizona contacting an Arizona buyer | Section 44-1701 supplies no express residence-based safe harbor. *Sgrillo* does not itself decide the reverse, remote-to-Arizona situation. Territorial jurisdiction, choice of law, and particular contacts remain held. | **S001**, § 44-1701; **S015**, p. 149, URLs in C001/C006. Text plus bounded holding; no universal nexus conclusion. |\n| **S_AZ-P08-C008** | Lender or credit extender invoking § 44-1702(1) | The person must have the specified Arizona/federal organization, charter, license, or authorization to lend/extend credit **and** be subject to Arizona/federal official regulation and supervision. A lending label alone is insufficient. | **S001**, § 44-1702(1), [https://www.azleg.gov/ars/44/01702.htm](https://www.azleg.gov/ars/44/01702.htm?utm_source=chatgpt.com). High-text; actual credentials held. |\n| **S_AZ-P08-C009** | Bank or savings-and-loan institution | The state exclusion concerns an institution whose deposits/accounts are **eligible** for FDIC or the text’s historical FSLIC insurance. The obsolete institutional name is preserved as written, not silently modernized. | **S001**, § 44-1702(2), same URL. High-text; institutional and insurance predicates held. |\n| **S_AZ-P08-C010** | Arizona real-estate broker | Exclusion applies while acting within the course and scope of the Arizona broker license. | **S001**, § 44-1702(3), same URL. High-text; no blanket exclusion for an affiliated repair business. |\n| **S_AZ-P08-C011** | Arizona-licensed attorney | Exclusion applies to services within the course and scope of the attorney’s practice. Attorney ownership, referral, or connection alone does not prove that predicate. | **S001**, § 44-1702(4), same URL. High-text; federal treatment differs, C048. |\n| **S_AZ-P08-C012** | SEC- or CFTC-registered broker-dealer | Exclusion requires acting within the course and scope of that regulation. | **S001**, § 44-1702(5), same URL. High-text; actual registration/scope not queried. |\n| **S_AZ-P08-C013** | Nonprofit invoking the Arizona exclusion | The organization must be nonprofit **and exempt under IRC § 501(c)(3)**. Incorporation as nonprofit or § 501(c)(4) status is not the specified predicate. | **S001**, § 44-1702(6), same URL; **S019**, § 501(c)(3), (q), [https://uscode.house.gov/us/usc/119-118/t26/s501/](https://uscode.house.gov/us/usc/119-118/t26/s501/?utm_source=chatgpt.com). Conditional tax-status inquiry. |\n| **S_AZ-P08-C014** | Employee, affiliate, ordinary creditor, or agent | The six listed state exclusions do not contain separate blanket employee, affiliate, or ordinary-own-creditor exemptions. An own-creditor transaction may instead fail the “credit by others” definition; that is a different analysis. | **S001**, §§ 44-1701(2), 44-1702, [https://www.azleg.gov/ars/44/01701.htm](https://www.azleg.gov/ars/44/01701.htm?utm_source=chatgpt.com), [https://www.azleg.gov/ars/44/01702.htm](https://www.azleg.gov/ars/44/01702.htm?utm_source=chatgpt.com). Bounded textual conclusion. |\n| **S_AZ-P08-C015** | Person asserting an Arizona article exemption | The exemption claimant bears the burden of proving it. | **S001**, § 44-1709(B), [https://www.azleg.gov/ars/44/01709.htm](https://www.azleg.gov/ars/44/01709.htm?utm_source=chatgpt.com). High-text. |\n\nAll six state exclusions were read in the operative body. None supplies a general federal exemption. [Exemptions+3](https://www.azleg.gov/ars/44/01702.htm?utm_source=chatgpt.com)\n\n## 2.2 Arizona payment restrictions, security, and public procedure\n\nA bond is a conditional security requirement under this article, not a substitute for a license under another regime and not a customer trust account. The statutory bond base is **fees charged under contracts entered during the preceding twelve months**. It is not simply cash received, retained revenue, savings, or balances of debts being negotiated.\n\n| Claim ID | Actor and predicate | Rule, clock, or consequence | Primary evidence and limits |\n| --- | --- | --- | --- |\n| **S_AZ-P08-C016** | CSO and its salespersons, agents, or representatives selling or attempting to sell services | No charge or receipt of consideration before **full and complete performance of all agreed services**, unless the CSO has the required compliant surety bond. A bonded CSO’s individual salespersons/agents/representatives need not separately obtain that bond. | **S001**, § 44-1703(1), [https://www.azleg.gov/ars/44/01703.htm](https://www.azleg.gov/ars/44/01703.htm?utm_source=chatgpt.com). State provision only; federal restrictions independently apply. |\n| **S_AZ-P08-C017** | CSO charging solely for a referral | A fee solely for referring a buyer to a retail seller offering credit on substantially the same terms available to the general public is prohibited. | **S001**, § 44-1703(2), same URL. Does not authorize other referral arrangements. |\n| **S_AZ-P08-C018** | CSO or covered representative making or counseling credit statements | False or misleading credit statements to a CRA or existing/prospective creditor are prohibited where the actor knows or should know their falsity or misleading character. | **S001**, § 44-1703(3), same URL. No “accurate information deletion” permission inferred. |\n| **S_AZ-P08-C019** | Seller offering or selling CSO services | Misleading service representations and fraudulent or deceptive acts or practices are prohibited. | **S001**, § 44-1703(4), same URL. A contract disclaimer does not itself resolve a contrary sales representation. |\n| **S_AZ-P08-C020** | CSO relying on the advance-payment bond condition | The issuer must be a surety authorized to do business in Arizona; a copy of the required bond must be filed with the Corporation Commission. Filing a copy does not establish substantive compliance or an authorization grant. | **S001**, §§ 44-1703(1), 44-1708(A)(1), [https://www.azleg.gov/ars/44/01703.htm](https://www.azleg.gov/ars/44/01703.htm?utm_source=chatgpt.com), [https://www.azleg.gov/ars/44/01708.htm](https://www.azleg.gov/ars/44/01708.htm?utm_source=chatgpt.com). Actual issuer status and instrument held. |\n| **S_AZ-P08-C021** | Bond-required CSO | Required face amount: **B = min($25,000, max($5,000, 0.05 × F))**, where F is the statutory preceding-twelve-month fees-charged measure. | **S001**, § 44-1708(C), same bond URL. No CPI adjustment or refund-netting rule appears in this provision. |\n| **S_AZ-P08-C022** | Bond-required CSO at annual adjustment | Adjust the required amount once yearly, **no later than the tenth day of the first month of its fiscal year**. | **S001**, § 44-1708(C), final paragraph, same URL. Actual fiscal year and measurement records held. |\n| **S_AZ-P08-C023** | Person damaged by an article violation | Bond runs in favor of the state for damaged persons and in favor of damaged persons; a claimant may bring an action at law against the CSO and surety. | **S001**, § 44-1708(A)(2)–(3), same URL. This is not an automatic administrative payout. |\n| **S_AZ-P08-C024** | Surety facing valid covered claims | Surety liability is for actual damages, not § 44-1711 punitive damages, and aggregate liability to all damaged persons cannot exceed the bond amount. | **S001**, § 44-1708(B), same URL. Coverage, remaining capacity, priority, defenses, and actual loss require evidence. |\n| **S_AZ-P08-C025** | Person assessing the CSO article as a market-access system | The read Article 7 does not establish a separate general CSO license or a trust-account alternative to its bond condition. That bounded finding is **not** a conclusion that no other law or rule can apply. | **S001**, §§ 44-1701–1712; **S010** partial rule inventory, [https://apps.azsos.gov/public_services/Title_14/14-01.pdf](https://apps.azsos.gov/public_services/Title_14/14-01.pdf?utm_source=chatgpt.com). Broader rule/authorization inventory held. |\n| **S_AZ-P08-C026** | Person following the public bond-copy procedure | Arizona Commerce Authority instructions describe sending a bond copy with a letter to the ACC Corporations Division Records Section for the public company record and state **no fee for that procedure**. | **S011**, “Credit Repair/Credit Services,” [https://www.azcommerce.com/small-business/checklist-items/additional-business-occupations-and-activities/credit-repaircredit-services/](https://www.azcommerce.com/small-business/checklist-items/additional-business-occupations-and-activities/credit-repaircredit-services/?utm_source=chatgpt.com). Undated guidance; $0 is not a universal business, expedited-service, or licensing total. |\n| **S_AZ-P08-C027** | Person needing a current approved bond instrument or cancellation/claim rider | Generic ACC form lists and a generic cover sheet were read; no current CSO-specific approved blank bond, cancellation rider, or claim form was authenticated. Those documents and their operative versions remain held. | **S012–S013**, [https://www.azcc.gov/corporations/forms](https://www.azcc.gov/corporations/forms?utm_source=chatgpt.com), [https://www.azcc.gov/corporations/forms/corporation-forms](https://www.azcc.gov/corporations/forms/corporation-forms?utm_source=chatgpt.com). No inference of nonexistence. |\n\nThe face amount, private premium, collateral, customer receipts, earned fees, and consumer recovery are different quantities. The worked ledger below keeps them separate. [azleg.gov+4](https://www.azleg.gov/ars/44/01703.htm?utm_source=chatgpt.com)\n\n## 2.3 Arizona disclosure, agreement, cancellation, and limited remedies\n\n| Claim ID | Actor and predicate | Required act, trigger, clock, or consequence | Primary evidence and limits |\n| --- | --- | --- | --- |\n| **S_AZ-P08-C028** | CSO approaching contract execution or payment | Give the required written information statement **before execution or receipt of consideration, whichever occurs first**. | **S001**, § 44-1704(A), [https://www.azleg.gov/ars/44/01704.htm](https://www.azleg.gov/ars/44/01704.htm?utm_source=chatgpt.com). High-text. |\n| **S_AZ-P08-C029** | CSO preparing that statement | Include accurate file/dispute rights, approximate CRA file-copy charge, complete services, total payment/obligation, and, where a bond is required, bond rights and surety name/address. | **S001**, § 44-1705(1)–(4), [https://www.azleg.gov/ars/44/01705.htm](https://www.azleg.gov/ars/44/01705.htm?utm_source=chatgpt.com). Linked Arizona reporting provisions were read. |\n| **S_AZ-P08-C030** | Consumer exercising the incorporated Arizona reporting rights | Section 44-1693 addresses identification, file/source/requestor access, assistance, and specified free-copy circumstances; § 44-1694 provides written-error investigation and correction rights. Its § 44-1694(D)(2) dispute statement is **without charge**. | **S001**, §§ 44-1693(A)–(D), 44-1694(A)–(D), [https://www.azleg.gov/ars/44/01693.htm](https://www.azleg.gov/ars/44/01693.htm?utm_source=chatgpt.com), [https://www.azleg.gov/ars/44/01694.htm](https://www.azleg.gov/ars/44/01694.htm?utm_source=chatgpt.com). This is not a complete FCRA analysis. |\n| **S_AZ-P08-C031** | CSO retaining acknowledgment | Retain an exact copy of the information statement personally signed by the buyer acknowledging receipt, in file or microfilm, for **two years**. | **S001**, § 44-1704(B), [https://www.azleg.gov/ars/44/01704.htm](https://www.azleg.gov/ars/44/01704.htm?utm_source=chatgpt.com). The state sentence does not expressly specify the starting event as the federal provision does. |\n| **S_AZ-P08-C032** | CSO entering a buyer contract | Contract must be written, dated, buyer-signed; state payments to the CSO or others; fully describe services, guarantees and refund promises; give estimated completion date/duration, principal address, and process-agent name/address. | **S001**, § 44-1706(A)(2)–(4), [https://www.azleg.gov/ars/44/01706.htm](https://www.azleg.gov/ars/44/01706.htm?utm_source=chatgpt.com). A promise is not proof of performance. |\n| **S_AZ-P08-C033** | CSO presenting the signature page | Place the prescribed conspicuous cancellation statement in at least **ten-point type**, immediately near the buyer’s signature space. | **S001**, § 44-1706(A)(1), same URL. No federal ten-point requirement is inferred from this state provision. |\n| **S_AZ-P08-C034** | CSO providing cancellation documents and copies | Attach an easily detachable, completed cancellation notice in duplicate, at least ten-point type and in the contract’s language. Give the completed contract and required signed documents when signed. | **S001**, § 44-1706(B)–(C), same URL. Actual language, placement, completion, and delivery held. |\n| **S_AZ-P08-C035** | Buyer invoking Arizona ordinary cancellation | Signature-adjacent text refers to midnight of the third day after the **transaction date**; the attached notice refers to three days from **contract signing**. Neither says “business” days. | **S001**, § 44-1706(A)(1), (B), same URL. Different transaction/signing dates and endpoint harmonization remain unresolved. |\n| **S_AZ-P08-C036** | CSO receiving a qualifying cancellation notice | Required notice states that **any payment under the contract** will be returned within **15 days after the CSO receives** cancellation. | **S001**, § 44-1706(B), same URL. This is a receipt-triggered state refund provision, not a general federal fifteen-day rule. |\n| **S_AZ-P08-C037** | Buyer using the prescribed cancellation route | Notice provides for mailing or delivering a signed, dated notice, or other written notice, to the CSO’s address before the specified date/time. Sending and receipt are separate events; electronic substitution and disputed endpoint cases remain held. | **S001**, § 44-1706(B), same URL. No invented requirement that mailing and receipt occur simultaneously. |\n| **S_AZ-P08-C038** | CSO breaching an obligation or contract | Breach of a contract or obligation under the article is itself an article violation. | **S001**, § 44-1707, [https://www.azleg.gov/ars/44/01707.htm](https://www.azleg.gov/ars/44/01707.htm?utm_source=chatgpt.com). Remedy still depends on its separate predicates. |\n| **S_AZ-P08-C039** | Person obtaining a buyer waiver | Waiver is void; attempting to obtain it violates the article. | **S001**, § 44-1709(A), [https://www.azleg.gov/ars/44/01709.htm](https://www.azleg.gov/ars/44/01709.htm?utm_source=chatgpt.com). Do not confuse this with a universal arbitration prohibition. |\n| **S_AZ-P08-C040** | Buyer injured by a violation or contract breach | Buyer may sue; actual damages have a floor of the amount paid the CSO, with reasonable attorney fees/costs, and punitive damages if the court considers them proper. | **S001**, § 44-1711, [https://www.azleg.gov/ars/44/01711.htm](https://www.azleg.gov/ars/44/01711.htm?utm_source=chatgpt.com). Injury, liability, proof, and judicial determination are necessary; no automatic award. |\n| **S_AZ-P08-C041** | Violator or public enforcer | Specified violations of §§ 44-1703–1706 and 44-1709(A) are class 1 misdemeanors; superior-court injunctive authority and AG/county/city enforcement are specified. Mere seller contract breach is expressly outside that misdemeanor provision. | **S001**, § 44-1710(A)–(E), [https://www.azleg.gov/ars/44/01710.htm](https://www.azleg.gov/ars/44/01710.htm?utm_source=chatgpt.com). Full criminal/enforcement procedure deferred. |\n| **S_AZ-P08-C042** | AG pursuing independently established consumer fraud | A willful § 44-1522 violation can support a court-imposed civil penalty of up to **$10,000 per violation for the state**. A CSO violation is not automatically every required CFA predicate. | **S001**, §§ 44-1521, 44-1522(A), 44-1531(A)–(B), [https://www.azleg.gov/ars/44/01521.htm](https://www.azleg.gov/ars/44/01521.htm?utm_source=chatgpt.com), [https://www.azleg.gov/ars/44/01522.htm](https://www.azleg.gov/ars/44/01522.htm?utm_source=chatgpt.com), [https://www.azleg.gov/ars/44/01531.htm](https://www.azleg.gov/ars/44/01531.htm?utm_source=chatgpt.com). No consumer entitlement to that public penalty. |\n\nArizona preserves other-law compliance and nonexclusive remedies in § 44-1712, [https://www.azleg.gov/ars/44/01712.htm](https://www.azleg.gov/ars/44/01712.htm?utm_source=chatgpt.com). That does not establish duplicate recovery for the same loss. [azleg.gov+6](https://www.azleg.gov/ars/44/01704.htm?utm_source=chatgpt.com)\n\n## 2.4 Federal CROA classification and incorporated exclusions\n\nArizona and CROA both use § 501(c)(3) for their nonprofit exclusions. Their **other exclusions differ materially**: Arizona lists an in-scope Arizona attorney and real-estate broker; CROA does not. CROA expressly addresses a qualifying creditor restructuring its own debt and specified institutional affiliates; the Arizona list is not identical.\n\n| Claim ID | Actor and predicate | Federal result | Primary evidence and limits |\n| --- | --- | --- | --- |\n| **S_AZ-P08-C043** | Person using interstate instrumentalities or mails, for money/valuable consideration, with an express or implied credit-improvement purpose | CROA includes providing or representing credit-record/history/rating improvement, or advice/assistance about it. A consumer is an individual. | **S016**, 15 U.S.C. § 1679a(1), (3)(A), [https://uscode.house.gov/us/usc/119-118/t15/s1679a/](https://uscode.house.gov/us/usc/119-118/t15/s1679a/?utm_source=chatgpt.com). Read body currency October 7. |\n| **S_AZ-P08-C044** | Individual or mixed/business-purpose arrangement | Section 1679a(2) defines consumer credit transactions as PFH; § 1679a(3)’s organization definition does not expressly use that defined phrase. Do not automatically import Arizona’s purpose limitation into every CROA case. Its printed § 1602(e) credit reference was redesignated § 1602(f), as the OLRC note explains. | **S016**, § 1679a(2)–(4), editorial reference note; **S020**, § 1602(f), [https://uscode.house.gov/us/usc/119-118/t15/s1602/](https://uscode.house.gov/us/usc/119-118/t15/s1602/?utm_source=chatgpt.com). Mixed-purpose application held. |\n| **S_AZ-P08-C045** | Nonprofit claiming CROA exclusion | Must be nonprofit and tax-exempt under **§ 501(c)(3)**. A nonprofit label or § 501(c)(4) alone does not meet this wording. | **S016**, § 1679a(3)(B)(i), definition URL above; **S019**, § 501(c)(3), (q). Actual status held. |\n| **S_AZ-P08-C046** | Creditor restructuring a consumer’s debt | Exclusion is limited to a creditor within § 1602’s definition, **to the extent** it assists restructuring debt owed by that consumer to that creditor. Not every assignee or unrelated repair vendor satisfies that test. | **S016**, § 1679a(3)(B)(ii); **S020**, § 1602(g), URLs above. Regular-credit/initial-payee and special statutory branches require facts. |\n| **S_AZ-P08-C047** | Depository institution, federal/state credit union, affiliate or subsidiary | CROA excludes the specified institutions and their affiliates/subsidiaries. The incorporated bank/CU definitions were read to the extent identified in S021–S022; actual charter, control, and affiliate construction remain held. | **S016**, § 1679a(3)(B)(iii); **S021**, [https://uscode.house.gov/us/usc/119-118/t12/s1813/](https://uscode.house.gov/us/usc/119-118/t12/s1813/?utm_source=chatgpt.com); **S022**, § 101, pp. 1–2, [https://www.govinfo.gov/content/pkg/COMPS-264/pdf/COMPS-264.pdf](https://www.govinfo.gov/content/pkg/COMPS-264/pdf/COMPS-264.pdf?utm_source=chatgpt.com). |\n| **S_AZ-P08-C048** | Attorney, employee, or professional invoking an Arizona exclusion | CROA supplies no general attorney or employee exclusion in § 1679a(3)(B). An Arizona professional exclusion therefore does not end the federal inquiry. | **S016**, § 1679a(3)(B); **S031**, *Gill*, Discussion A, [https://law.justia.com/cases/federal/appellate-courts/F3/265/944/632739/](https://law.justia.com/cases/federal/appellate-courts/F3/265/944/632739/?utm_source=chatgpt.com). |\n| **S_AZ-P08-C049** | Organization whose substantial purpose includes credit counseling and which relies on qualifying tax exemption | Section 501(q) requires tailored counseling, restricts lending/loan negotiation, permits repair only incidentally, prohibits a separately stated repair fee, and imposes inability-to-pay/fee-policy conditions. | **S019**, § 501(q)(1)(A)–(C), (4), [https://uscode.house.gov/us/usc/119-118/t26/s501/](https://uscode.house.gov/us/usc/119-118/t26/s501/?utm_source=chatgpt.com). These are tax-status conditions, not a new repair fee authorization. |\n| **S_AZ-P08-C050** | Same organization | Additional conditions include public-interest board control; specified **20%/49%** voting limits; a **35%** ownership restriction in listed nonexempt businesses; referral-compensation restrictions; and, for § 501(c)(3), contribution-solicitation restrictions and generally a **50%** creditor-DMP revenue ceiling. Historical 80/70/60% transitions are not current general ceilings. | **S019**, § 501(q)(1)(D)–(F), (2)–(3), same URL. Exact exceptions in the read clauses matter; no actual tax-status decision. |\n\nThe institutional exemption text does not require every depository institution to satisfy a universal FDIC-insured condition; that would improperly replace the incorporated definition. Conversely, an unaffiliated contractor does not inherit the institution’s exclusion by describing itself as its service provider. [uscode.house.gov+4](https://uscode.house.gov/us/usc/119-118/t15/s1679a/?utm_source=chatgpt.com)\n\n## 2.5 CROA performance, documents, cancellation, and remedies\n\n| Claim ID | Actor and predicate | Required act, clock, or consequence | Primary evidence and limits |\n| --- | --- | --- | --- |\n| **S_AZ-P08-C051** | Person engaging in the conduct specified by CROA | Section 1679b(a) prohibits specified false credit statements, identity alteration to conceal accurate nonobsolete adverse information, service misrepresentations, and fraud/deception. Its opening formulation is “No person,” not simply a state-license rule. | **S016**, § 1679b(a)(1)–(4), [https://uscode.house.gov/us/usc/119-118/t15/s1679b/](https://uscode.house.gov/us/usc/119-118/t15/s1679b/?utm_source=chatgpt.com). Actual reporting/identity facts held. |\n| **S_AZ-P08-C052** | Covered CRO charging for an agreed service | It may not charge or receive consideration for an agreed service **before that service is fully performed**. CROA contains no Arizona-bond exception. | **S016**, § 1679b(b), same URL; **S031**, *Gill*, Discussion A. Artificially calling initial work a completed package does not establish completion of all promises. |\n| **S_AZ-P08-C053** | CRO before entering a consumer contract | Give the prescribed written consumer-rights statement **before the contract**, in a document separate from other written material. It covers reporting/dispute rights, limits on removing accurate adverse information, cancellation, and legal rights. | **S016**, § 1679c(a)–(b), [https://uscode.house.gov/us/usc/119-118/t15/s1679c/](https://uscode.house.gov/us/usc/119-118/t15/s1679c/?utm_source=chatgpt.com). The notice is not an exhaustive modern FCRA treatise. |\n| **S_AZ-P08-C054** | CRO retaining receipt evidence | Retain the consumer-signed acknowledgment for **two years from signature**. | **S016**, § 1679c(c), same URL. Distinct from other record-retention duties. |\n| **S_AZ-P08-C055** | CRO entering a services agreement | Written, dated, consumer-signed contract must contain total payments to it/others, detailed services, guarantees, estimated completion date/duration, name/address, and the prescribed bold signature-adjacent cancellation statement. | **S016**, § 1679d(a)(1), (b), [https://uscode.house.gov/us/usc/119-118/t15/s1679d/](https://uscode.house.gov/us/usc/119-118/t15/s1679d/?utm_source=chatgpt.com). Completion is not established by the estimate. |\n| **S_AZ-P08-C056** | CRO starting services | No services before the end of the **three-business-day period beginning on the contract-signing date**. This is separately worded from the cancellation right’s “begins after” formulation. | **S016**, § 1679d(a)(2), same URL. Exact boundary-day harmonization held; models avoid it. |\n| **S_AZ-P08-C057** | Consumer cancelling covered agreement | Operative right permits cancellation without penalty/obligation before midnight of the third business day beginning after execution or the date it otherwise would become enforceable. | **S016**, § 1679e(a), [https://uscode.house.gov/us/usc/119-118/t15/s1679e/](https://uscode.house.gov/us/usc/119-118/t15/s1679e/?utm_source=chatgpt.com). No imported other-statute business-day definition. |\n| **S_AZ-P08-C058** | CRO delivering cancellation form and signed documents | Duplicate bold cancellation form uses **“3rd day”**, omitting “business”; it specifies mail/delivery of signed, dated written notice. Completed contract, disclosure, and other required signed documents are supplied when signed. | **S016**, § 1679e(b)–(c), same URL; **S018**, original § 407, 110 Stat. 3009-459, PDF index 459. Discrepancy remains explicit; no general fifteen-day federal refund clock was found here. |\n| **S_AZ-P08-C059** | Person obtaining a CROA waiver | Waiver is void and unenforceable; attempting to obtain it violates CROA. | **S016**, § 1679f(a)–(b), [https://uscode.house.gov/us/usc/119-118/t15/s1679f/](https://uscode.house.gov/us/usc/119-118/t15/s1679f/?utm_source=chatgpt.com). Arbitration distinction in C079. |\n| **S_AZ-P08-C060** | Noncompliant services contract | Contract failing applicable CROA provisions is void and may not be enforced by federal/state courts or another person. | **S016**, § 1679f(c), same URL. Actual defect and applicable provisions must be established. |\n| **S_AZ-P08-C061** | Person with a successful CROA liability claim | Statutory damages measure is the greater of actual damage or amount paid to the CRO; punitive damages are discretionary, with reasonable fees/costs for successful enforcement. | **S016**, § 1679g(a)–(b), [https://uscode.house.gov/us/usc/119-118/t15/s1679g/](https://uscode.house.gov/us/usc/119-118/t15/s1679g/?utm_source=chatgpt.com). Not an automatic payment or an instruction to add both alternatives. |\n| **S_AZ-P08-C062** | FTC or authorized state enforcer | CROA specifies FTC enforcement, including its special jurisdiction provision, and state enforcement subject to statutory notice/intervention and parallel-action restrictions. | **S016**, § 1679h(a)–(c), [https://uscode.house.gov/us/usc/119-118/t15/s1679h/](https://uscode.house.gov/us/usc/119-118/t15/s1679h/?utm_source=chatgpt.com). Full remedial procedure and available monetary mechanisms deferred. |\n| **S_AZ-P08-C063** | Actor subject to both state and federal law | CROA preserves state law except to the extent of inconsistency. An Arizona bond condition cannot remove an applicable federal prohibition. | **S016**, § 1679j, [https://uscode.house.gov/us/usc/119-118/t15/s1679j/](https://uscode.house.gov/us/usc/119-118/t15/s1679j/?utm_source=chatgpt.com); newer body also read at [https://uscode.house.gov/us/usc/119-134/t15/s1679j/](https://uscode.house.gov/us/usc/119-134/t15/s1679j/?utm_source=chatgpt.com). |\n\nThe original federal enactment confirms that the cancellation wording discrepancy is not merely a recent website transcription issue. The statutory service-start restriction, cancellation right, required notice, payment restriction, and state refund duty remain separate tests. [uscode.house.gov+6](https://uscode.house.gov/us/usc/119-118/t15/s1679d/?utm_source=chatgpt.com)\n\n## 2.6 Necessary TSR overlap\n\n| Claim ID | Actor and predicate | Rule or consequence | Primary evidence and limits |\n| --- | --- | --- | --- |\n| **S_AZ-P08-C064** | Seller/telemarketer in a plan, program, or campaign inducing purchases by telephone | The definition requires a campaign involving **more than one interstate telephone call**. The count concerns the campaign, not a requirement that each consumer receive multiple calls. Seller, telemarketer, customer, credit, and upsell definitions matter separately. | **S025**, 16 C.F.R. §§ 310.1, 310.2(j), (n), (ee), (hh)–(jj), [https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310](https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310?utm_source=chatgpt.com). |\n| **S_AZ-P08-C065** | Institution, nonprofit, or contractor invoking a TSR jurisdiction exemption | FTC Act jurisdiction and statutory sector exceptions must be tested; a tax label is not the complete analysis. A for-profit telemarketer does not automatically inherit a bank/nonprofit client’s exclusion. | **S024**, 15 U.S.C. §§ 44, 45(a)(2), 6102(d)–(e), 6105, [https://uscode.house.gov/us/usc/119-118/t15/s6105/](https://uscode.house.gov/us/usc/119-118/t15/s6105/?utm_source=chatgpt.com); **S029**, [https://www.ftc.gov/business-guidance/resources/complying-telemarketing-sales-rule](https://www.ftc.gov/business-guidance/resources/complying-telemarketing-sales-rule?utm_source=chatgpt.com). Deeper sector crossreferences held. |\n| **S_AZ-P08-C066** | Consumer calling in response to advertising/direct mail | Credit-repair calls described in § 310.4(a)(2) are excluded from the ordinary general-advertising and qualifying-direct-mail inbound exemptions. Truly unsolicited calls under § 310.6(b)(4) are a different branch; upsells are separately treated. | **S025**, § 310.6(b)(4)–(6), same eCFR URL; **S028**, 89 FR 99075, PDF index 6, [https://www.govinfo.gov/content/pkg/FR-2024-12-10/pdf/2024-28399.pdf](https://www.govinfo.gov/content/pkg/FR-2024-12-10/pdf/2024-28399.pdf?utm_source=chatgpt.com). |\n| **S_AZ-P08-C067** | Seller claiming face-to-face exemption | The specified exemption requires sale and payment/authorization only after the qualifying face-to-face presentation. It preserves enumerated provisions; it is not blanket immunity for any business that sometimes meets customers. | **S025**, § 310.6(b)(3), same eCFR URL. Actual sequence and presentation held. |\n| **S_AZ-P08-C068** | Covered seller/telemarketer promising credit-history/record/rating improvement | No request or receipt of payment until **both** represented performance time has expired **and** the required CRA report demonstrating promised results has been provided. | **S025**, § 310.4(a)(2)(i)–(ii), same URL; **S026**, 60 FR 43853–43854 and 43866, [https://www.govinfo.gov/content/pkg/FR-1995-08-23/pdf/95-20655.pdf](https://www.govinfo.gov/content/pkg/FR-1995-08-23/pdf/95-20655.pdf?utm_source=chatgpt.com). |\n| **S_AZ-P08-C069** | Same seller relying on a results report | Report must have been **issued more than six months after results were achieved**. Report provision and timeframe expiry each precede payment; the rule prescribes no order between those two events. Six months is not rewritten as 180 days. Holding an early-issued report does not cure its issuance date. | **S025**, § 310.4(a)(2)(ii); **S026**, 60 FR 43853–43854, URLs above. High-text plus direct temporal application. |\n| **S_AZ-P08-C070** | Seller making inconsistent oral/written timeframe representations | The final-rule explanation uses the longest represented timeframe where representations differ. | **S026**, **60 FR 43853 n.117**, PDF index 11, original-rule URL above; **S029**, credit-repair discussion. Final agency explanation, not a newly invented averaging rule. |\n| **S_AZ-P08-C071** | Seller obtaining/providing the required report | It must be a CRA consumer report demonstrating promised results; the rule preserves permissible-purpose requirements. Written consumer instructions are one statutory permissible-purpose route, with further FCRA requirements still applicable. | **S025**, § 310.4(a)(2)(ii); **S023**, 15 U.S.C. §§ 1681a(d), (f), 1681b(a)(2), (f), [https://uscode.house.gov/us/usc/119-118/t15/s1681a/](https://uscode.house.gov/us/usc/119-118/t15/s1681a/?utm_source=chatgpt.com), [https://uscode.house.gov/us/usc/119-118/t15/s1681b/](https://uscode.house.gov/us/usc/119-118/t15/s1681b/?utm_source=chatgpt.com). Section 1681e’s full body not read. |\n| **S_AZ-P08-C072** | Telemarketer guaranteeing/highly assuring a loan or credit extension | The distinct advance-fee loan restriction requires the customer first to obtain the represented loan/extension. It is not a substitute for the credit-repair test if both apply. | **S025**, § 310.4(a)(4), eCFR URL above. Coverage and representations conditional. |\n| **S_AZ-P08-C073** | Mixed repair/debt-relief program | The debt-relief account/payment provision in § 310.4(a)(5) does not supply an account or fee exception to § 310.4(a)(2)’s credit-repair prohibition. | **S025**, §§ 310.2(o), 310.4(a)(2), (5), same URL. Debt-relief body read for this distinction; full debt-relief regime deferred. |\n| **S_AZ-P08-C074** | Attorney invoking an exception in another paragraph | Section 310.4(a)(3)’s attorney provision concerns specified recovery services; it is not a general attorney exception to credit-repair paragraph (a)(2). | **S025**, § 310.4(a)(2)–(3), same URL. No professional-label shortcut. |\n| **S_AZ-P08-C075** | Covered seller before consent to pay | Truthfully disclose material costs, restrictions and applicable refund/cancellation terms; do not misrepresent service efficacy, refund terms, costs or affiliation. A stated “no refund” policy cannot negate another applicable statutory cancellation right. | **S025**, § 310.3(a)(1)(i)–(iii), (2)(i)–(iv), (vii), same URL. Other payment/marketing laws remain separate. |\n| **S_AZ-P08-C076** | Covered seller/telemarketer keeping specified records | Current § 310.5 uses five-year retention for the specified records, with particular triggers, including last use for advertising/scripts. It is not a universal statement that every document has the same starting date. | **S025**, § 310.5(a)–(g); **S027**, 89 FR 26783–26786, [https://www.govinfo.gov/content/pkg/FR-2024-04-16/pdf/2024-07180.pdf](https://www.govinfo.gov/content/pkg/FR-2024-04-16/pdf/2024-07180.pdf?utm_source=chatgpt.com). |\n\nThese federal predicates concern **when payment may be requested or received**, not merely whether the seller ultimately produces some useful work. [ecfr.gov+5](https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310?utm_source=chatgpt.com)\n\n## 2.7 Judicial construction and currentness claims\n\n| Claim ID | Predicate | Conclusion supported by the reading | Evidence and limit |\n| --- | --- | --- | --- |\n| **S_AZ-P08-C077** | Monitoring service marketed with express/implied improvement representations | *Stout* reversed dismissal of a CROA claim; actual marketing could satisfy the definition despite the monitoring label and disclaimer. It did not finally adjudicate all alleged violations. | **S030**, pp. 12–19, [https://cdn.ca9.uscourts.gov/datastore/opinions/2014/02/21/10-56887.pdf](https://cdn.ca9.uscourts.gov/datastore/opinions/2014/02/21/10-56887.pdf?utm_source=chatgpt.com). |\n| **S_AZ-P08-C078** | Attorney-associated repair operation accepting deposits after preliminary work | *Gill* affirmed liability findings; consultation/some work did not make the remaining promised services fully performed. Attorney and independent-contractor descriptions did not eliminate the conduct actually proved. | **S031**, Discussion A, final paragraphs, [https://law.justia.com/cases/federal/appellate-courts/F3/265/944/632739/](https://law.justia.com/cases/federal/appellate-courts/F3/265/944/632739/?utm_source=chatgpt.com). Historical monetary-remedy reasoning separately limited by C080. |\n| **S_AZ-P08-C079** | CROA claimant opposing arbitration solely through CROA’s right-to-sue/nonwaiver language | *CompuCredit* held those provisions do not categorically bar arbitration under the FAA. The Court did not decide the defendants’ CRO status in that case. | **S032**, **565 U.S. 95, 98 n.1, 100–105**, PDF indices 3, 5–10, [https://www.govinfo.gov/content/pkg/USREPORTS-565/pdf/USREPORTS-565-95.pdf](https://www.govinfo.gov/content/pkg/USREPORTS-565/pdf/USREPORTS-565-95.pdf?utm_source=chatgpt.com). Full arbitration analysis deferred. |\n| **S_AZ-P08-C080** | Reliance on older FTC § 13(b) monetary-remedy cases | *AMG* held § 13(b)’s permanent-injunction language does not authorize equitable monetary relief. Therefore this report does not reuse *Gill* as current authority for that monetary route. | **S033**, slip pp. 6–10, 15; PDF indices 8–12, 17, [https://www.supremecourt.gov/opinions/20pdf/19-508_l6gn.pdf](https://www.supremecourt.gov/opinions/20pdf/19-508_l6gn.pdf?utm_source=chatgpt.com). Post-*AMG* current § 53 body was not recovered. |\n| **S_AZ-P08-C081** | Arizona posted compilation and recent amendment checking | Relevant 2023–2026 affected-statute table ranges contained no entries for §§ 44-1701–1712. The compilation’s own updating disclaimer remains material. These indexes are bounded checking evidence, not independently read enactments amending nothing. | **S001, S004–S008**, URLs in source register; relevant printed/PDF pages specified there. |\n| **S_AZ-P08-C082** | Original Arizona CSO commencement and complete historical chain | *Sgrillo* identifies Laws 1988, ch. 350, § 1; the original act was not recovered. General constitutional effectiveness and nonretroactivity rules do not justify inventing its exact commencement or transition. | **S009** failed routes; **S003**, Ariz. Const. art. IV, pt. 1, § 1(3), [https://www.azleg.gov/const/4/1.p1.htm](https://www.azleg.gov/const/4/1.p1.htm?utm_source=chatgpt.com); **S002**, § 1-244, [https://www.azleg.gov/ars/1/00244.htm](https://www.azleg.gov/ars/1/00244.htm?utm_source=chatgpt.com). Held. |\n| **S_AZ-P08-C083** | CROA currency at access | Complete OLRC §§ 1679–1679j were read with a header through **PL 119-120, October 7, 2026**, although URLs contain 119-118. A newer October 20 § 1679j body and partial § 1679e were read; complete October 8–27 updating remains unverified. | **S016**, full URL map and failure log below. No complete October 20/27 codification claim. |\n| **S_AZ-P08-C084** | CROA original commencement/old contracts | Original § 413 applies after the six-month period beginning September 30, 1996, with the stated pre-end-of-period contract exception. *Gill* describes the effective date as April 1, 1997. | **S018**, § 2451 inserting § 413, **110 Stat. 3009-462**, PDF index 462, [https://www.govinfo.gov/content/pkg/PLAW-104publ208/pdf/PLAW-104publ208.pdf](https://www.govinfo.gov/content/pkg/PLAW-104publ208/pdf/PLAW-104publ208.pdf?utm_source=chatgpt.com); **S031**. No 180-day conversion. |\n| **S_AZ-P08-C085** | TSR version/effective dates | Read original final rule: published August 23, 1995, effective December 31, 1995. April 2024 final: effective May 16, 2024, with § 310.5(a)(2) compliance October 15, 2024. December 2024 final: effective January 9, 2025. | **S026–S028**, header and operative pages in register. eCFR’s Title 16 “last amended October 19, 2026” is **not** asserted as Part 310’s effective date. |\n| **S_AZ-P08-C086** | Arizona statutory time computation | General rules exclude the first day, include the last unless a holiday, identify legal holidays, and address performance when the last day is a holiday. They do not themselves erase CSO wording differences or establish a federal business-day definition. | **S002**, §§ 1-243, 1-301, 1-303, [https://www.azleg.gov/ars/1/00243.htm](https://www.azleg.gov/ars/1/00243.htm?utm_source=chatgpt.com), [https://www.azleg.gov/ars/1/00301.htm](https://www.azleg.gov/ars/1/00301.htm?utm_source=chatgpt.com), [https://www.azleg.gov/ars/1/00303.htm](https://www.azleg.gov/ars/1/00303.htm?utm_source=chatgpt.com). |\n| **S_AZ-P08-C087** | Reader relying on AG’s “three business days” guidance | That guidance may describe federal protection, but it does not amend Arizona § 44-1706’s “days” wording or provide a published harmonization of every endpoint. | **S014**, [https://www.azag.gov/consumer/tips/credit-reporting-credit-repair](https://www.azag.gov/consumer/tips/credit-reporting-credit-repair?utm_source=chatgpt.com); **S001**, § 44-1706. |\n| **S_AZ-P08-C088** | Reader relying on AG guidance about a dispute statement fee | The guide’s suggestion of a possible charge conflicts with § 44-1694(D)(2)’s no-charge language. This report follows the statute for that Arizona right. | **S014**, same guide; **S001**, [https://www.azleg.gov/ars/44/01694.htm](https://www.azleg.gov/ars/44/01694.htm?utm_source=chatgpt.com), subsection (D)(2). |\n| **S_AZ-P08-C089** | Person seeking a general consumer price ceiling | No numeric general CSO/CROA service-price ceiling was found in the read provisions. The bond’s $5,000–$25,000 bounds are **security bounds**, not allowable customer charges. This is not unlimited-price or fee-earning permission. | **S001**, §§ 44-1703, 44-1706, 44-1708; **S016**, §§ 1679b, 1679d; **S025**, § 310.4(a)(2). Other applicable price/contract laws and facts remain held. |\n\n# 3. Published judicial interpretations actually read\n\nAll five decisions below are published opinions. No unpublished memorandum decision is used, so no memorandum’s citation eligibility is assumed. No full citator or all-subsequent-history certification was performed.\n\n| Decision; source | Material facts and posture | Majority holding/order used | Limits and later treatment |\n| --- | --- | --- | --- |\n| **State ex rel. Woods v. Sgrillo**, 176 Ariz. 148, 859 P.2d 771 (App. 1993), August 26, 1993 — **S015** | Arizona credit-card-information business; cross-motions for summary judgment. The opinion describes the CSO violation as conceded except for the nonresident-buyer argument. | At **p. 149**, rejected the claimed immunity for Arizona conduct affecting nonresident purchasers; affirmed the CSO portion and reversed/remanded the relevant CFA partial-summary-judgment disposition. | Does not decide that every concession is credit, or reverse-direction remote nexus. Complete majority read from Justia reproduction; official-body discovery did not succeed. |\n| **Stout v. FreeScore**, No. 10-56887, Ninth Circuit, February 21, 2014 — **S030** | Paid monitoring marketed through website/television claims; Rule 12(b)(6) dismissal. | **Slip pp. 12–18, PDF indices 11–17:** express/implied improvement representations supported CROA classification despite a disclaimer. **Pp. 18–19:** reversed and remanded; remaining allegations left to the district court. | All 19 official PDF pages read. Does not hold all neutral monitoring is repair or finally establish every violation. |\n| **FTC v. Gill**, 265 F.3d 944 (9th Cir. 2001), September 12, 2001 — **S031** | FTC summary judgment concerning a repair operation, attorney participation, advertising, agents, and deposits after preliminary work. | **Discussion A**, especially the final paragraphs addressing advance fees: preliminary work did not complete promised services; affirmed liability findings. | Complete majority read from Justia reproduction. Internal reporter page breaks are absent, so none are invented. *AMG* materially limits reliance on its older § 13(b) monetary-remedy reasoning. |\n| **CompuCredit Corp. v. Greenwood**, 565 U.S. 95 (2012), January 10, 2012 — **S032** | CROA allegations involving a credit-card program; denial of arbitration, affirmed below. | **Pp. 100–105:** CROA does not preclude FAA enforcement of the arbitration agreement on the asserted statutory ground; reversed/remanded. **P. 98 n.1:** actor classification not decided. | Majority pp. 96–105 fully read. Separate concurrence/dissent not fully read and not used as holdings. No actual arbitration-clause decision here. |\n| **AMG Capital Management, LLC v. FTC**, April 22, 2021 — **S033** | FTC deceptive-lending enforcement; § 13(b) monetary relief affirmed by Ninth Circuit. | Unanimous majority, **slip pp. 6–10**: § 13(b) does not authorize equitable monetary relief; **p. 15** reversed/remanded. | Entire majority slip pp. 1–15 read. Other statutory remedies remain distinct; current § 53 retrieval failed, so later legislative currentness remains held. |\n\nDirect opinion URLs are in the source register and claims C006, C077–C080. Quoted cases within these opinions were **not** treated as separately opened underlying authorities. [law.justia.com+4](https://law.justia.com/cases/arizona/court-of-appeals/1993/176-ariz-148.html?utm_source=chatgpt.com)\n\n# 4. Complete source register\n\n**All accesses below occurred October 27, 2026, Pacific.** “Fresh” means the identified body or portion was actually retrieved and read during this pass. Historical material was freshly accessed but remains historical. A single compilation or enactment keeps one ID despite multiple sections.\n\n## 4.1 Arizona sources\n\n| Source ID | Issuer, title, and direct literal HTTPS URLs | Actual read scope, version, status, and limits |\n| --- | --- | --- |\n| **S_AZ-P08-S001** | Arizona Legislature, **Arizona Revised Statutes, Title 44**. CSO: [https://www.azleg.gov/ars/44/01701.htm](https://www.azleg.gov/ars/44/01701.htm?utm_source=chatgpt.com); [https://www.azleg.gov/ars/44/01702.htm](https://www.azleg.gov/ars/44/01702.htm?utm_source=chatgpt.com); [https://www.azleg.gov/ars/44/01703.htm](https://www.azleg.gov/ars/44/01703.htm?utm_source=chatgpt.com); [https://www.azleg.gov/ars/44/01704.htm](https://www.azleg.gov/ars/44/01704.htm?utm_source=chatgpt.com); [https://www.azleg.gov/ars/44/01705.htm](https://www.azleg.gov/ars/44/01705.htm?utm_source=chatgpt.com); [https://www.azleg.gov/ars/44/01706.htm](https://www.azleg.gov/ars/44/01706.htm?utm_source=chatgpt.com); [https://www.azleg.gov/ars/44/01707.htm](https://www.azleg.gov/ars/44/01707.htm?utm_source=chatgpt.com); [https://www.azleg.gov/ars/44/01708.htm](https://www.azleg.gov/ars/44/01708.htm?utm_source=chatgpt.com); [https://www.azleg.gov/ars/44/01709.htm](https://www.azleg.gov/ars/44/01709.htm?utm_source=chatgpt.com); [https://www.azleg.gov/ars/44/01710.htm](https://www.azleg.gov/ars/44/01710.htm?utm_source=chatgpt.com); [https://www.azleg.gov/ars/44/01711.htm](https://www.azleg.gov/ars/44/01711.htm?utm_source=chatgpt.com); [https://www.azleg.gov/ars/44/01712.htm](https://www.azleg.gov/ars/44/01712.htm?utm_source=chatgpt.com). Linked reporting: [https://www.azleg.gov/ars/44/01691.htm](https://www.azleg.gov/ars/44/01691.htm?utm_source=chatgpt.com); [https://www.azleg.gov/ars/44/01692.htm](https://www.azleg.gov/ars/44/01692.htm?utm_source=chatgpt.com); [https://www.azleg.gov/ars/44/01693.htm](https://www.azleg.gov/ars/44/01693.htm?utm_source=chatgpt.com); [https://www.azleg.gov/ars/44/01694.htm](https://www.azleg.gov/ars/44/01694.htm?utm_source=chatgpt.com). Limited CFA: [https://www.azleg.gov/ars/44/01521.htm](https://www.azleg.gov/ars/44/01521.htm?utm_source=chatgpt.com); [https://www.azleg.gov/ars/44/01522.htm](https://www.azleg.gov/ars/44/01522.htm?utm_source=chatgpt.com); [https://www.azleg.gov/ars/44/01531.htm](https://www.azleg.gov/ars/44/01531.htm?utm_source=chatgpt.com); [https://www.azleg.gov/ars/44/01534.htm](https://www.azleg.gov/ars/44/01534.htm?utm_source=chatgpt.com). Compilation notice: [https://www.azleg.gov/arsDetail/?chapter=12&title=44](https://www.azleg.gov/arsDetail/?chapter=12&title=44&utm_source=chatgpt.com). | **Fresh official HTML bodies:** all twelve CSO sections, four reporting sections, and listed CFA sections. Compilation page describes updating through the 57th Legislature’s second regular session and its January-following-session convention. CSO is **Chapter 11, Article 7**; the query URL used for the compilation notice is not asserted as CSO’s chapter location. No full historic amendment certificate. |\n| **S_AZ-P08-S002** | Arizona Legislature, Title 1: [https://www.azleg.gov/ars/1/00243.htm](https://www.azleg.gov/ars/1/00243.htm?utm_source=chatgpt.com); [https://www.azleg.gov/ars/1/00301.htm](https://www.azleg.gov/ars/1/00301.htm?utm_source=chatgpt.com); [https://www.azleg.gov/ars/1/00303.htm](https://www.azleg.gov/ars/1/00303.htm?utm_source=chatgpt.com); [https://www.azleg.gov/ars/1/00244.htm](https://www.azleg.gov/ars/1/00244.htm?utm_source=chatgpt.com). | **Fresh full bodies:** computation, holidays, holiday performance, nonretroactivity. Current posted compilation; no case resolving their precise application to every CSO notice discrepancy. |\n| **S_AZ-P08-S003** | Arizona Legislature, Constitution, art. IV, pt. 1: [https://www.azleg.gov/const/4/1.p1.htm](https://www.azleg.gov/const/4/1.p1.htm?utm_source=chatgpt.com). | **Fresh body**, material § 1(3): ordinary effectiveness after session close and specified exceptions. Does not establish the unrecovered 1988 act’s exact effective date. |\n| **S_AZ-P08-S004** | Legislative Council, **2026 Table of Sections Affected**: [https://www.azleg.gov/alisPDFs/council/TOSA_57th_2nd_Regular.pdf](https://www.azleg.gov/alisPDFs/council/TOSA_57th_2nd_Regular.pdf?utm_source=chatgpt.com). | **Fresh official index**, August 19, 2026, chapters 1–264. Relevant Title 44 range **printed pp. 19–20 / PDF indices 18–19** read. No §§ 44-1701–1712 entry there; index, not operative amendment body. |\n| **S_AZ-P08-S005** | Legislative Council, **2025 Table of Sections Affected**: [https://www.azleg.gov/alisPDFs/council/TOSA_57th_1st_Regular.pdf](https://www.azleg.gov/alisPDFs/council/TOSA_57th_1st_Regular.pdf?utm_source=chatgpt.com). | **Fresh official index**, July 18, 2025, chapters 1–265; relevant **printed p. 17 / PDF index 16**. Same bounded no-entry result. |\n| **S_AZ-P08-S006** | Legislative Council, **2024 Table of Sections Affected**: [https://www.azleg.gov/alisPDFs/council/TOSA_56th_2nd_Regular.pdf](https://www.azleg.gov/alisPDFs/council/TOSA_56th_2nd_Regular.pdf?utm_source=chatgpt.com). | **Fresh official index**, July 12, 2024, chapters 1–259; **printed pp. 20–21 / PDF indices 19–20**. Relevant range read. |\n| **S_AZ-P08-S007** | Legislative Council, **2023 Table of Sections Affected**: [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 official index**, December 19, 2023, chapters 1–205; **printed p. 16 / PDF index 15**. Relevant range read. |\n| **S_AZ-P08-S008** | 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 partial index reading**, including the relevant Title 44 entry concerning § 44-1483. Not all three pages represented as fully read; no CSO transition established from it. |\n| **S_AZ-P08-S009** | Arizona original CSO enactment lead, **Laws 1988, ch. 350, § 1**. Failed routes: [https://azmemory.azlibrary.gov/nodes/view/20911](https://azmemory.azlibrary.gov/nodes/view/20911); [https://www.azleg.gov/legtext/38leg/2r/laws/0350.htm](https://www.azleg.gov/legtext/38leg/2r/laws/0350.htm). Discovery-only summary: [https://azmemory.azlibrary.gov/assets/displaypdf/193279](https://azmemory.azlibrary.gov/assets/displaypdf/193279?utm_source=chatgpt.com). | First route returned **403**; different Legislature route was inaccessible. **Original body not read.** Chapter identification is supported by *Sgrillo*, not independent enactment inspection. Approval, commencement, transition, and complete early amendment chain held. Summary was discovery only. |\n| **S_AZ-P08-S010** | Arizona Secretary of State, **14 A.A.C. 1**: [https://apps.azsos.gov/public_services/Title_14/14-01.pdf](https://apps.azsos.gov/public_services/Title_14/14-01.pdf?utm_source=chatgpt.com). | **Fresh partial official PDF**, Supplement 99-1, March 31, 1999, nine pages. Contents and initial R14-1-101 material read; document search did not find “credit.” Not all operative rules read; not proof that no CSO rule/adoption exists. |\n| **S_AZ-P08-S011** | Arizona Commerce Authority, **Credit Repair/Credit Services**: [https://www.azcommerce.com/small-business/checklist-items/additional-business-occupations-and-activities/credit-repaircredit-services/](https://www.azcommerce.com/small-business/checklist-items/additional-business-occupations-and-activities/credit-repaircredit-services/?utm_source=chatgpt.com). | **Fresh complete relevant guidance body.** Bond-copy/letter procedure and no-fee statement read. No revision date established; page marker “(24)” is not treated as an effective date. Guidance supports procedure, not statutory permission. |\n| **S_AZ-P08-S012** | Arizona Corporation Commission, public form lists: [https://www.azcc.gov/corporations/forms](https://www.azcc.gov/corporations/forms?utm_source=chatgpt.com); [https://www.azcc.gov/corporations/forms/corporation-forms](https://www.azcc.gov/corporations/forms/corporation-forms?utm_source=chatgpt.com). | **Fresh generic lists**, including relevant corporation-form list. No authenticated CSO-specific bond located. Absence from these lists does not establish nonexistence. |\n| **S_AZ-P08-S013** | ACC, **generic cover sheet**: [https://www.azcc.gov/docs/default-source/corps-files/forms/coversheet979408dc07e143058c2fb90887be701f.pdf?sfvrsn=5107f062_14](https://www.azcc.gov/docs/default-source/corps-files/forms/coversheet979408dc07e143058c2fb90887be701f.pdf?sfvrsn=5107f062_14&utm_source=chatgpt.com). | **Fresh full one-page PDF**, printed p. 1 / index 0, **CFCVLR REV 03/2020**. Generic submission/payment/expedite fields. Not a CSO bond instrument; listed generic expedited charges not applied to CSO filing. |\n| **S_AZ-P08-S014** | Arizona AG, **Credit Reporting and Credit Repair**: [https://www.azag.gov/consumer/tips/credit-reporting-credit-repair](https://www.azag.gov/consumer/tips/credit-reporting-credit-repair?utm_source=chatgpt.com). Failed prior route: [https://www.azag.gov/consumer/credit](https://www.azag.gov/consumer/credit). | **Fresh relevant guidance body**, including cancellation/payment and reporting discussion. Prior route **404**; different official page recovered. Undated. Three-business-day language and possible dispute-statement-charge language are not substituted for statutes. |\n| **S_AZ-P08-S015** | Arizona Court of Appeals, **Sgrillo**, reproduced by Justia: [https://law.justia.com/cases/arizona/court-of-appeals/1993/176-ariz-148.html](https://law.justia.com/cases/arizona/court-of-appeals/1993/176-ariz-148.html?utm_source=chatgpt.com). | **Fresh complete published majority**, August 26, 1993, 176 Ariz. 148–149. No official opinion body located in bounded official-domain discovery; no fictitious official HTTP failure assigned. Reproduction hosting disclosed. |\n\n## 4.2 Federal statutes and incorporated definitions\n\n| Source ID | Issuer, title, and direct literal HTTPS URLs | Actual read scope, version, status, and limits |\n| --- | --- | --- |\n| **S_AZ-P08-S016** | OLRC, **CROA, 15 U.S.C. §§ 1679–1679j**: [https://uscode.house.gov/us/usc/119-118/t15/s1679/](https://uscode.house.gov/us/usc/119-118/t15/s1679/?utm_source=chatgpt.com); [https://uscode.house.gov/us/usc/119-118/t15/s1679a/](https://uscode.house.gov/us/usc/119-118/t15/s1679a/?utm_source=chatgpt.com); [https://uscode.house.gov/us/usc/119-118/t15/s1679b/](https://uscode.house.gov/us/usc/119-118/t15/s1679b/?utm_source=chatgpt.com); [https://uscode.house.gov/us/usc/119-118/t15/s1679c/](https://uscode.house.gov/us/usc/119-118/t15/s1679c/?utm_source=chatgpt.com); [https://uscode.house.gov/us/usc/119-118/t15/s1679d/](https://uscode.house.gov/us/usc/119-118/t15/s1679d/?utm_source=chatgpt.com); [https://uscode.house.gov/us/usc/119-118/t15/s1679e/](https://uscode.house.gov/us/usc/119-118/t15/s1679e/?utm_source=chatgpt.com); [https://uscode.house.gov/us/usc/119-118/t15/s1679f/](https://uscode.house.gov/us/usc/119-118/t15/s1679f/?utm_source=chatgpt.com); [https://uscode.house.gov/us/usc/119-118/t15/s1679g/](https://uscode.house.gov/us/usc/119-118/t15/s1679g/?utm_source=chatgpt.com); [https://uscode.house.gov/us/usc/119-118/t15/s1679h/](https://uscode.house.gov/us/usc/119-118/t15/s1679h/?utm_source=chatgpt.com); [https://uscode.house.gov/us/usc/119-118/t15/s1679i/](https://uscode.house.gov/us/usc/119-118/t15/s1679i/?utm_source=chatgpt.com); [https://uscode.house.gov/us/usc/119-118/t15/s1679j/](https://uscode.house.gov/us/usc/119-118/t15/s1679j/?utm_source=chatgpt.com). Newer: [https://uscode.house.gov/us/usc/119-134/t15/s1679j/](https://uscode.house.gov/us/usc/119-134/t15/s1679j/?utm_source=chatgpt.com); [https://uscode.house.gov/us/usc/119-134/t15/s1679e/](https://uscode.house.gov/us/usc/119-134/t15/s1679e/?utm_source=chatgpt.com). | **Fresh complete operative bodies/notes** in the first eleven paths, with displayed currency **PL 119-120, October 7, 2026**, despite path 119-118. Newer § 1679j full body displayed October 20 currency; newer § 1679e only subsection (c)/notes recovered before a later failure. Full newer release held. Section 1679i was read but no actual remedy limitations calculation performed. |\n| **S_AZ-P08-S017** | GPO, **2024 U.S. Code CROA**: [https://www.govinfo.gov/content/pkg/USCODE-2024-title15/html/USCODE-2024-title15-chap41-subchapII-A.htm](https://www.govinfo.gov/content/pkg/USCODE-2024-title15/html/USCODE-2024-title15-chap41-subchapII-A.htm?utm_source=chatgpt.com). | **Fresh complete official archived body**, §§ 1679–1679j and notes, 2024 edition. Initially used as readable fallback and compared with recovered OLRC bodies. Historical edition, not October 2026 currency. |\n| **S_AZ-P08-S018** | Congress/GPO, **Public Law 104-208**, § 2451 inserting CROA: [https://www.govinfo.gov/content/pkg/PLAW-104publ208/pdf/PLAW-104publ208.pdf](https://www.govinfo.gov/content/pkg/PLAW-104publ208/pdf/PLAW-104publ208.pdf?utm_source=chatgpt.com). | **Fresh original enacted text**, September 30, 1996. Title page and all inserted §§ 401–413 read, **110 Stat. 3009-454 through 3009-462 / PDF indices 454–462**. Not the entire 750-page act. Original wording and transition evidence; later codification separately checked. |\n| **S_AZ-P08-S019** | OLRC, **26 U.S.C. § 501**: [https://uscode.house.gov/us/usc/119-118/t26/s501/](https://uscode.house.gov/us/usc/119-118/t26/s501/?utm_source=chatgpt.com). Archived fallback: [https://www.govinfo.gov/content/pkg/USCODE-2024-title26/html/USCODE-2024-title26-subtitleA-chap1-subchapF-partI-sec501.htm](https://www.govinfo.gov/content/pkg/USCODE-2024-title26/html/USCODE-2024-title26-subtitleA-chap1-subchapF-partI-sec501.htm?utm_source=chatgpt.com). | **Fresh § 501(c)(3), all (q), relevant 2006 effective notes**; current header October 7, 2026. The underlying 2006 act was not separately opened. Broader tax regulations and actual status not examined. |\n| **S_AZ-P08-S020** | OLRC, **15 U.S.C. § 1602**: [https://uscode.house.gov/us/usc/119-118/t15/s1602/](https://uscode.house.gov/us/usc/119-118/t15/s1602/?utm_source=chatgpt.com). Archived fallback: [https://www.govinfo.gov/content/pkg/USCODE-2024-title15/html/USCODE-2024-title15-chap41-subchapI-partA-sec1602.htm](https://www.govinfo.gov/content/pkg/USCODE-2024-title15/html/USCODE-2024-title15-chap41-subchapI-partA-sec1602.htm?utm_source=chatgpt.com). | **Fresh current (a)–(aa)**, relying on (f), (g), (i); older (a)–(k) fallback also read. October 7 header. Not a complete Regulation Z or special-credit-sector study. |\n| **S_AZ-P08-S021** | OLRC, **12 U.S.C. § 1813**: [https://uscode.house.gov/us/usc/119-118/t12/s1813/](https://uscode.house.gov/us/usc/119-118/t12/s1813/?utm_source=chatgpt.com). Archived fallback: [https://www.govinfo.gov/content/pkg/USCODE-2024-title12/html/USCODE-2024-title12-chap16-sec1813.htm](https://www.govinfo.gov/content/pkg/USCODE-2024-title12/html/USCODE-2024-title12-chap16-sec1813.htm?utm_source=chatgpt.com). | **Fresh current (a)–(h), (w)**; archived (a)–(f) also read. October 7 header. Incorporated § 1841(k) full body not read; no actual affiliate/control conclusion. |\n| **S_AZ-P08-S022** | House Office of Legislative Counsel/GPO, **Federal Credit Union Act compilation**: [https://www.govinfo.gov/content/pkg/COMPS-264/pdf/COMPS-264.pdf](https://www.govinfo.gov/content/pkg/COMPS-264/pdf/COMPS-264.pdf?utm_source=chatgpt.com). | **Fresh full § 101 definitions**, corresponding to 12 U.S.C. § 1752, **printed pp. 1–2 / PDF indices 0–1**. Compilation amended through PL 119-101, July 11, 2026; generated July 29. Government-hosted but expressly not the official statutory version. Only relevant definitions, not all 138 pages, read. |\n| **S_AZ-P08-S023** | OLRC, **FCRA definitions/permissible purposes**: [https://uscode.house.gov/us/usc/119-118/t15/s1681a/](https://uscode.house.gov/us/usc/119-118/t15/s1681a/?utm_source=chatgpt.com); [https://uscode.house.gov/us/usc/119-118/t15/s1681b/](https://uscode.house.gov/us/usc/119-118/t15/s1681b/?utm_source=chatgpt.com). Archived fallbacks: [https://www.govinfo.gov/content/pkg/USCODE-2024-title15/html/USCODE-2024-title15-chap41-subchapIII-sec1681a.htm](https://www.govinfo.gov/content/pkg/USCODE-2024-title15/html/USCODE-2024-title15-chap41-subchapIII-sec1681a.htm?utm_source=chatgpt.com); [https://www.govinfo.gov/content/pkg/USCODE-2024-title15/html/USCODE-2024-title15-chap41-subchapIII-sec1681b.htm](https://www.govinfo.gov/content/pkg/USCODE-2024-title15/html/USCODE-2024-title15-chap41-subchapIII-sec1681b.htm?utm_source=chatgpt.com). | **Fresh material portions:** § 1681a(b)–(g), including report/CRA definitions; § 1681b(a), (f). October 7 header. 2025 amendment note observed; no full FCRA or § 1681e certification analysis. |\n| **S_AZ-P08-S024** | OLRC, **FTC/telemarketing jurisdiction**: [https://uscode.house.gov/us/usc/119-118/t15/s44/](https://uscode.house.gov/us/usc/119-118/t15/s44/?utm_source=chatgpt.com); [https://uscode.house.gov/us/usc/119-118/t15/s45/](https://uscode.house.gov/us/usc/119-118/t15/s45/?utm_source=chatgpt.com); [https://uscode.house.gov/us/usc/119-118/t15/s6102/](https://uscode.house.gov/us/usc/119-118/t15/s6102/?utm_source=chatgpt.com); [https://uscode.house.gov/us/usc/119-118/t15/s6105/](https://uscode.house.gov/us/usc/119-118/t15/s6105/?utm_source=chatgpt.com). Archived fallbacks: [https://www.govinfo.gov/content/pkg/USCODE-2024-title15/html/USCODE-2024-title15-chap2-subchapI-sec44.htm](https://www.govinfo.gov/content/pkg/USCODE-2024-title15/html/USCODE-2024-title15-chap2-subchapI-sec44.htm?utm_source=chatgpt.com); [https://www.govinfo.gov/content/pkg/USCODE-2024-title15/html/USCODE-2024-title15-chap2-subchapI-sec45.htm](https://www.govinfo.gov/content/pkg/USCODE-2024-title15/html/USCODE-2024-title15-chap2-subchapI-sec45.htm?utm_source=chatgpt.com); [https://www.govinfo.gov/content/pkg/USCODE-2024-title15/html/USCODE-2024-title15-chap87-sec6105.htm](https://www.govinfo.gov/content/pkg/USCODE-2024-title15/html/USCODE-2024-title15-chap87-sec6105.htm?utm_source=chatgpt.com). | **Fresh relevant § 44 definitions, § 45(a), and operative §§ 6102/6105**. October 7 headers. Deeper banking/securities/commodities crossreferences not all opened. Current § 53 retrieval failed; see failure register. |\n\n## 4.3 TSR, guidance, and federal opinions\n\n| Source ID | Issuer, title, direct literal HTTPS URL | Actual read scope, version, status, and limits |\n| --- | --- | --- |\n| **S_AZ-P08-S025** | OFR/eCFR, **16 C.F.R. Part 310**: [https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310](https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310?utm_source=chatgpt.com). | **Fresh operative bodies:** scope; all definitions; relevant § 310.3 disclosure/misrepresentation/payment provisions; § 310.4(a)(2)–(5); all § 310.5; all § 310.6; relevant § 310.7. Displayed currency **October 23, 2026**, Title 16 last amended October 19. eCFR identifies itself as authoritative but unofficial, not the official legal edition. |\n| **S_AZ-P08-S026** | FTC/GPO, **1995 TSR final rule and statement of basis and purpose**, 60 FR 43842: [https://www.govinfo.gov/content/pkg/FR-1995-08-23/pdf/95-20655.pdf](https://www.govinfo.gov/content/pkg/FR-1995-08-23/pdf/95-20655.pdf?utm_source=chatgpt.com). | **Fresh material final-rule reading:** header p. 43842/index 0; credit-repair explanation **43853–43854/indices 11–12**, including n.117; operative rule **43866/index 24**. Published August 23, effective December 31, 1995. Not all 36 pages read. |\n| **S_AZ-P08-S027** | FTC/GPO, **April 2024 TSR final amendment**: [https://www.govinfo.gov/content/pkg/FR-2024-04-16/pdf/2024-07180.pdf](https://www.govinfo.gov/content/pkg/FR-2024-04-16/pdf/2024-07180.pdf?utm_source=chatgpt.com). Official HTML: [https://www.federalregister.gov/documents/2024/04/16/2024-07180/telemarketing-sales-rule](https://www.federalregister.gov/documents/2024/04/16/2024-07180/telemarketing-sales-rule). | **Fresh header and entire operative amendment**, **26760/index 0; 26783–26786/indices 23–26**. Published April 16; effective May 16, 2024; § 310.5(a)(2) compliance October 15, 2024. Recordkeeping/B2B and technical wording changes; no new Arizona-bond exception. |\n| **S_AZ-P08-S028** | FTC/GPO, **December 2024 TSR final amendment**: [https://www.govinfo.gov/content/pkg/FR-2024-12-10/pdf/2024-28399.pdf](https://www.govinfo.gov/content/pkg/FR-2024-12-10/pdf/2024-28399.pdf?utm_source=chatgpt.com). HTML: [https://www.federalregister.gov/documents/2024/12/10/2024-28399/telemarketing-sales-rule](https://www.federalregister.gov/documents/2024/12/10/2024-28399/telemarketing-sales-rule). | **Fresh header/operative amendment**, **99069/index 0; 99075/index 6**. Published December 10, 2024; effective January 9, 2025. Technical-support addition and definition lettering/inbound-exemption changes read. No full subsequent litigation certificate. |\n| **S_AZ-P08-S029** | FTC, **Complying with the Telemarketing Sales Rule**: [https://www.ftc.gov/business-guidance/resources/complying-telemarketing-sales-rule](https://www.ftc.gov/business-guidance/resources/complying-telemarketing-sales-rule?utm_source=chatgpt.com). | **Fresh guidance portions** on scope, nonprofit/institutional contractors, face-to-face, and credit repair. Revision date not established. No reliance on guide penalty amounts or unrelated DNC charges. |\n| **S_AZ-P08-S030** | Ninth Circuit, **Stout v. FreeScore**, published opinion: [https://cdn.ca9.uscourts.gov/datastore/opinions/2014/02/21/10-56887.pdf](https://cdn.ca9.uscourts.gov/datastore/opinions/2014/02/21/10-56887.pdf?utm_source=chatgpt.com). | **Fresh all 19 pages**, February 21, 2014. Material classification pp. 12–18/indices 11–17; disposition pp. 18–19/indices 17–18. Official body; no full citator. |\n| **S_AZ-P08-S031** | Ninth Circuit, **FTC v. Gill**, Justia reproduction: [https://law.justia.com/cases/federal/appellate-courts/F3/265/944/632739/](https://law.justia.com/cases/federal/appellate-courts/F3/265/944/632739/?utm_source=chatgpt.com). | **Fresh entire majority**, September 12, 2001. Discussion A’s final advance-payment paragraphs relied on. Official-domain opinion discovery unsuccessful; no invented official case URL/error. Reproduction has no internal reporter pagination. |\n| **S_AZ-P08-S032** | Supreme Court/GPO, **CompuCredit v. Greenwood**, 565 U.S. 95: [https://www.govinfo.gov/content/pkg/USREPORTS-565/pdf/USREPORTS-565-95.pdf](https://www.govinfo.gov/content/pkg/USREPORTS-565/pdf/USREPORTS-565-95.pdf?utm_source=chatgpt.com). | **Fresh majority pp. 96–105 / PDF indices 1–10**, January 10, 2012; appendix partially read. Separate writings not fully read. Official slip route failed, official U.S. Reports recovered. |\n| **S_AZ-P08-S033** | Supreme Court, **AMG Capital Management v. FTC**: [https://www.supremecourt.gov/opinions/20pdf/19-508_l6gn.pdf](https://www.supremecourt.gov/opinions/20pdf/19-508_l6gn.pdf?utm_source=chatgpt.com). | **Fresh entire majority slip pp. 1–15 / PDF indices 3–17**, April 22, 2021. Syllabus not used as the holding. Failed GPO route followed by successful official slip opinion. |\n| **S_AZ-P08-S034** | FTC, **Credit Repair Organizations Act statute index**: [https://www.ftc.gov/legal-library/browse/statutes/credit-repair-organizations-act](https://www.ftc.gov/legal-library/browse/statutes/credit-repair-organizations-act?utm_source=chatgpt.com). | **Fresh index only**, used to discover the official statute route. Index title/link is not operative statutory evidence. Its linked OLRC route failed; bodies were recovered separately as S016/S017. |\n\n## 4.4 Failed and partial retrieval register\n\nThese entries remain attached to their source IDs. They are not additional independent sources, and an error establishes only the result of that retrieval route.\n\n| Source | Exact failed or partial route | Actual result; recovery or next evidence |\n| --- | --- | --- |\n| S001 | [https://www.azleg.gov/arsDetail/?title=44](https://www.azleg.gov/arsDetail/?title=44&utm_source=chatgpt.com) | 400/timeout through retrieval. Different compilation query and direct section bodies recovered. |\n| S002 | [https://www.azleg.gov/ars/01/00243.htm](https://www.azleg.gov/ars/01/00243.htm); [https://www.azleg.gov/ars/01/00301.htm](https://www.azleg.gov/ars/01/00301.htm) | Padded-title routes inaccessible. Official /ars/1/ bodies recovered. |\n| S009 | [https://azmemory.azlibrary.gov/nodes/view/20911](https://azmemory.azlibrary.gov/nodes/view/20911); [https://www.azleg.gov/legtext/38leg/2r/laws/0350.htm](https://www.azleg.gov/legtext/38leg/2r/laws/0350.htm) | 403 at archive; different Legislature route inaccessible. **Hold original act**; next evidence is a readable official session-law scan, including approval/effective/transition provisions. |\n| S014 | [https://www.azag.gov/consumer/credit](https://www.azag.gov/consumer/credit) | 404. Different official tips page recovered; statutory conflicts preserved. |\n| S016 | [https://uscode.house.gov/us/usc/119-124/t15/s1679a/](https://uscode.house.gov/us/usc/119-124/t15/s1679a/); [https://uscode.house.gov/us/usc/119-124/t15/s1679b/](https://uscode.house.gov/us/usc/119-124/t15/s1679b/); [https://uscode.house.gov/us/usc/119-124/t15/s1679c/](https://uscode.house.gov/us/usc/119-124/t15/s1679c/) | Bodies inaccessible on these release routes. October 7 bodies recovered from different discovered release paths; no claim that these failed versions were read. |\n| S016 | [https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title15-section1679a&num=0&edition=prelim](https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title15-section1679a&num=0&edition=prelim) | 404. Recovered through S016 readable release body. |\n| S016 | [https://uscode.house.gov/view.xhtml?req=%28title%3A15+section%3A1679a+edition%3Aprelim%29](https://uscode.house.gov/view.xhtml?req=(title:15+section:1679a+edition:prelim)&utm_source=chatgpt.com) | Internal retrieval error. No body attributed to this route. |\n| S016 | [https://uscode.house.gov/view.xhtml?ca_referer=34999&edition=prelim&num=0&req=granuleid%3AUSC-prelim-title15-chapter41-subchapterII-A](https://uscode.house.gov/view.xhtml?ca_referer=34999&edition=prelim&num=0&req=granuleid:USC-prelim-title15-chapter41-subchapterII-A&utm_source=chatgpt.com) | Maintenance response. Different official archived/current-release bodies used with their dates. |\n| S016 | [https://usc-cdn.house.gov/view.xhtml?edition=prelim&req=granuleid%3AUSC-prelim-title15-chapter41-subchapterII-A&saved=%7CZ3JhbnVsZWlkOlVTQy1wcmVsaW0tdGl0bGUxNS1zZWN0aW9uMTY3OWM%3D%7C%7C%7C0%7Cfalse%7Cprelim](https://usc-cdn.house.gov/view.xhtml?edition=prelim&req=granuleid:USC-prelim-title15-chapter41-subchapterII-A&saved=\\|Z3JhbnVsZWlkOlVTQy1wcmVsaW0tdGl0bGUxNS1zZWN0aW9uMTY3OWM=\\|\\|\\|0\\|false\\|prelim&utm_source=chatgpt.com) | 400/timeout. No operative body recovered there. |\n| S016/S017 | [https://www.govinfo.gov/content/pkg/USCODE-2025-title15/html/USCODE-2025-title15-chap41-subchapII-A.htm](https://www.govinfo.gov/content/pkg/USCODE-2025-title15/html/USCODE-2025-title15-chap41-subchapII-A.htm) | Inaccessible. Different official **2024** edition recovered; later readable OLRC bodies separately recovered. |\n| S016/S034 | [https://uscode.house.gov/view.xhtml?edition=prelim&f=treesort&jumpTo=true&num=0&req=%28title%3A15+USC+section%3A1679+edition%3Aprelim%29+OR+%28granuleid%3AUSC-prelim-title15+USC-section1679%29](https://uscode.house.gov/view.xhtml?edition=prelim&f=treesort&jumpTo=true&num=0&req=%28title%3A15+USC+section%3A1679+edition%3Aprelim%29+OR+%28granuleid%3AUSC-prelim-title15+USC-section1679%29) | FTC index’s linked route returned 404. Index not used as substitute law. |\n| S016 | [https://uscode.house.gov/us/usc/119-134/t15/s1679/](https://uscode.house.gov/us/usc/119-134/t15/s1679/?utm_source=chatgpt.com); [https://uscode.house.gov/us/usc/119-134/t15/s1679a/](https://uscode.house.gov/us/usc/119-134/t15/s1679a/); [https://uscode.house.gov/us/usc/119-134/t15/s1679b/](https://uscode.house.gov/us/usc/119-134/t15/s1679b/); [https://uscode.house.gov/us/usc/119-134/t15/s1679c/](https://uscode.house.gov/us/usc/119-134/t15/s1679c/?utm_source=chatgpt.com); [https://uscode.house.gov/us/usc/119-134/t15/s1679d/](https://uscode.house.gov/us/usc/119-134/t15/s1679d/) | Newer-release bodies inaccessible. These are not treated as October 20 statutory readings. |\n| S016 | [https://uscode.house.gov/us/usc/119-134/t15/s1679e/](https://uscode.house.gov/us/usc/119-134/t15/s1679e/?utm_source=chatgpt.com); [https://uscode.house.gov/us/usc/119-134/t15/s1679f/](https://uscode.house.gov/us/usc/119-134/t15/s1679f/); [https://uscode.house.gov/us/usc/119-134/t15/s1679g/](https://uscode.house.gov/us/usc/119-134/t15/s1679g/); [https://uscode.house.gov/us/usc/119-134/t15/s1679h/](https://uscode.house.gov/us/usc/119-134/t15/s1679h/) | § 1679e(c)/notes were partially read once; subsequent body retrieval failed. Other listed bodies inaccessible. Complete newer-release currentness held. |\n| S016 | [https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title15-section1679e&num=0&edition=prelim](https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title15-section1679e&num=0&edition=prelim) | 404. October 7 full body and original enactment supply the stated wording; later currency remains qualified. |\n| S022 | [https://www.govinfo.gov/content/pkg/USCODE-2024-title12/html/USCODE-2024-title12-chap14-subchapI-sec1752.htm](https://www.govinfo.gov/content/pkg/USCODE-2024-title12/html/USCODE-2024-title12-chap14-subchapI-sec1752.htm); [https://www.govinfo.gov/content/pkg/USCODE-2024-title12/html/USCODE-2024-title12-chap14-sec1752.htm](https://www.govinfo.gov/content/pkg/USCODE-2024-title12/html/USCODE-2024-title12-chap14-sec1752.htm) | Both unavailable through retrieval. Different government-hosted HOLC compilation recovered, with its express nonofficial-version limitation. |\n| S024 | [https://uscode.house.gov/us/usc/119-118/t15/s53/](https://uscode.house.gov/us/usc/119-118/t15/s53/); [https://www.govinfo.gov/content/pkg/USCODE-2024-title15/html/USCODE-2024-title15-chap2-subchapI-sec53.htm](https://www.govinfo.gov/content/pkg/USCODE-2024-title15/html/USCODE-2024-title15-chap2-subchapI-sec53.htm) | OLRC 403; different GPO route inaccessible. Hold current § 53 body/amendments. *AMG* is used only for its actually read holding. |\n| S032 | [https://www.supremecourt.gov/opinions/11pdf/10-948.pdf](https://www.supremecourt.gov/opinions/11pdf/10-948.pdf) | 404. Different official U.S. Reports PDF recovered. |\n| S033 | [https://www.govinfo.gov/content/pkg/USREPORTS-593/pdf/USREPORTS-593-67.pdf](https://www.govinfo.gov/content/pkg/USREPORTS-593/pdf/USREPORTS-593-67.pdf) | Inaccessible. Different official Supreme Court slip PDF recovered. |\n\nNo failed URL was used as proof that the law, form, or service does not exist. The unresolved routes were not pursued through APIs, hidden endpoints, authentication, or security workarounds.\n\n# 5. Sixteen fictional classification and workflow postures\n\nThese are hypothetical fact patterns, not findings about a real person or business. “Potentially covered” means the identified predicate warrants examination; it does not decide all exclusions, jurisdiction, or currentness.\n\n| No. | Fictional facts | Positive or applicable branch | Adverse branch / exact hold |\n| --- | --- | --- | --- |\n| **P01 — Repair promise** | A seller charges for removing inaccurate entries and improving an individual’s credit rating. | Arizona CSO and CROA predicates may both be met; test contracts, performance, cancellation, and federal interstate use. **C002, C043.** | Actual representations, credit purpose, consideration, exclusions, and performance remain necessary. |\n| **P02 — Monitoring** | A paid dashboard initially advertises only alerts; another advertisement promises that using it will improve the user’s credit. | The improvement representation makes *Stout* relevant. **C005, C077.** | A neutral monitoring label or disclaimer does not resolve the full marketing record; genuinely neutral monitoring requires separate facts. |\n| **P03 — Education with indirect payment** | A budgeting class is called free, but enrollment requires a paid affiliate package. | Valuable consideration and an integrated improvement purpose must be tested. **C002, C005, C043.** | No holding here that every indirect arrangement is covered or that separating invoices defeats coverage. |\n| **P04 — New-credit referral** | Buyer pays solely for the address of a retail seller offering the same public credit terms. | Arizona’s specific sole-referral prohibition applies if its predicates are met. **C017.** | Calling the charge “education” does not establish a different service; a genuinely different program requires its actual terms. |\n| **P05 — Forbearance** | Negotiator obtains a new enforceable right to defer an existing consumer debt. | Arizona’s deferral definition is relevant. **C003–C004.** | Whether this is “obtaining” credit for CSO classification lacks the responsive published construction identified in this pass. |\n| **P06 — Principal reduction** | Creditor accepts a lower principal amount, with no new right to postpone payment. | Evaluate any independent repair representation or other covered service. | Reduction itself is not automatically an extension of credit; do not import the forbearance branch. **C004.** |\n| **P07 — Own creditor versus purchaser** | One actor originated a qualifying consumer obligation; another later bought it. Each offers restructuring. | CROA’s defined-creditor/own-debt exclusion must be tested separately for each. **C046.** | Ownership alone does not establish § 1602 creditor status; no actual assignment or contract examined. |\n| **P08 — Nonprofit** | Organization claims § 501(c)(4); another claims § 501(c)(3) while separately charging for repair. | Only qualifying § 501(c)(3) matches the state/CROA nonprofit wording. **C013, C045.** | For substantial counseling organizations, separately stated repair fees raise § 501(q) issues. Actual exemption status remains held. **C049–C050.** |\n| **P09 — Attorney** | Arizona lawyer provides in-scope legal services; a separate marketing company sells the program. | Lawyer may meet Arizona’s professional exclusion. **C011.** | Marketing company does not inherit it; CROA has no blanket attorney exclusion. **C048, C078.** |\n| **P10 — Real-estate broker** | Licensed broker provides services within licensed brokerage; also offers a separately marketed repair subscription. | In-scope brokerage exclusion can be tested. **C010.** | Separate repair activity is not automatically within the license’s course and scope. |\n| **P11 — Broker-dealer** | Registered broker-dealer claims its registration exempts all financial education products. | Arizona exclusion requires the services to fall within the course and scope of the specified regulation. **C012.** | Registration title alone does not establish scope or federal credit-repair exclusion. |\n| **P12 — Bank and affiliate** | A qualifying bank, a controlled affiliate, and an unaffiliated contractor offer similar services. | CROA expressly addresses institutional affiliates/subsidiaries. **C047.** | Arizona’s list differs; affiliation/control and TSR contractor jurisdiction require separate proof. **C009, C014, C065.** |\n| **P13 — Employee sideline** | A salaried employee sells personal repair services outside the employer’s program. | Test that person’s own service/consideration/representation facts. | No separate blanket employee exemption appears in the read state list or CROA list. **C014, C048.** |\n| **P14 — Interstate direction** | Arizona seller solicits nonresidents; another seller located elsewhere contacts Arizona buyers. | *Sgrillo* supports the first direction on its facts. **C006.** | It does not decide all jurisdiction/choice-of-law questions in the second. **C007.** |\n| **P15 — Bonded advance charge** | CSO holds a compliant state bond and asks for payment before promised repair is complete. | Bond may satisfy the state exception, assuming all bond predicates. **C016.** | Covered CROA still prohibits premature charging/receipt; covered TSR adds its own conditions. **C052, C068.** |\n| **P16 — Defective documents and cancellation** | Buyer receives no duplicate notice, is asked to waive cancellation, and promptly mails written cancellation. | State document/nonwaiver rules and federal contract-voidness rules must be applied if covered. **C034–C039, C058–C060.** | Refund entitlement, receipt, actual amounts, applicable law, and remedy predicates remain separate; no automatic damages award. |\n\n# 6. Four fully worked conditional models\n\n## Model 1 — Classification, state bond condition, and federal payment timing\n\n**Fictional inputs**\n\n- Buyer: natural person seeking personal-purpose credit from someone other than the service seller.\n- Proposed service charge: **$600**.\n- Initial service: assistance obtaining new credit; assume it is not solely the prohibited same-public-terms retail referral.\n- Seller’s statutory preceding-twelve-month fees-charged base: **$80,000**.\n- No customer payment has yet occurred.\n- No actual credit report or customer information is used.\n\n**State classification and security calculation**\n\n1. If the service satisfies § 44-1701 and no exclusion applies, the Arizona CSO duties apply.\n2. Unbonded seller, all services incomplete: the proposed advance charge/receipt is prohibited under C016.\n3. Conditional bond calculation:Base F = $80,000.Percentage calculation = 0.05 × $80,000 = **$4,000**.Apply minimum: max($5,000, $4,000) = **$5,000**.Apply maximum: min($25,000, $5,000) = **$5,000 required face amount**.Units: U.S. dollars. No rounding required.\n4. A correctly issued and filed $5,000 bond would address this **state advance-payment condition only**. It would not establish fee earning, complete disclosure, an exemption, or permission under another law.\n\n**Federal classification branch**\n\n- If the actual package makes no express or implied credit-improvement representation and supplies no repair advice/assistance, CROA coverage is not established merely from the Arizona new-credit branch.\n- If the package adds an express/implied promise to improve the buyer’s credit, and the interstate/mails and consideration predicates exist, CROA must be applied. A state bond does not permit charging or receiving the $600 while that agreed service remains incomplete.\n- If the sale also falls within a qualifying TSR telephone campaign, its credit-repair conditions apply. An inbound response to a repair advertisement is not automatically exempt.\n\n**TSR event model**\n\nStipulate that all promised results were achieved **January 15, 2026**.\n\n- Six-month calendar anniversary: **July 15, 2026**.\n- Qualifying candidate report issued: **August 3, 2026**.\n- Report provided to consumer: **August 4, 2026**.\n- Report demonstrates all promised results; CRA/permissible-purpose requirements are stipulated for this fictional branch.\n- August 3 is later than the six-month anniversary. No 180-day conversion is used.\n\n**Branch A — Report provision first**\n\n- Longest represented performance timeframe expires **September 30, 2026**.\n- All agreed services are stipulated fully performed by that date.\n- At an illustrative assessment on **October 5, 2026**, both TSR events have occurred: report provision on August 4 and timeframe expiry on September 30.\n- That removes the particular timing impediments only if every other applicable predicate is satisfied. It is not a payment authorization.\n\n**Branch B — Timeframe expiry first**\n\n- Alternative represented timeframe expires **March 31, 2026**.\n- All services are stipulated fully performed by that date.\n- Report remains issued August 3 and provided August 4.\n- At an illustrative assessment on **August 10, 2026**, both events have occurred, in the opposite order.\n\n**Adverse report branch**\n\nA report issued **March 1, 2026**, or exactly **July 15, 2026**, does not satisfy “issued more than six months after” the January 15 results date. Keeping it until October does not change its issuance date.\n\n**Ledger**\n\n- Customer receipts: $0.\n- Lawfully applied fee established by this model: $0.\n- Creditor payments: $0.\n- Principal reduction: $0.\n- Bond face amount: $5,000, separately identified; it is not a customer expense.\n\n**Authority:** C002–C004, C016, C020–C022, C043, C052, C064–C071; A.R.S. §§ 44-1701, 44-1703, 44-1708(C); 15 U.S.C. §§ 1679a–1679b; 16 C.F.R. § 310.4(a)(2). Actual classification, report, marketing, and performance remain held.\n\n## Model 2 — Completed preliminary work versus an integrated unfinished package\n\n**Fictional inputs**\n\nOne agreement promises:\n\n- Education session: separately listed **$150**.\n- Dispute assistance and follow-through: separately listed **$450**.\n- Total package: **$600**.\n- The same sales presentation promises later monitoring/results.\n- The education session is delivered on **February 10, 2026**.\n- The dispute work and promised follow-through remain incomplete.\n- The applicable federal waiting period is stipulated to have already elapsed; its boundary is not calculated.\n- No payment has been made.\n\n**Analysis**\n\n1. Arizona’s unbonded restriction addresses **all agreed services**. Delivering the session does not complete the integrated agreement.\n2. CROA speaks of full performance of the agreed service. *Gill* rejects treating consultation/some preliminary work as sufficient where substantial promised services remain.\n3. The $150 invoice line is evidence of pricing, not a binding legal determination that the promise is independent and complete.\n4. A genuinely separate generic budgeting service could present different classification facts. This model does not establish that branch simply by severing an invoice.\n\n**Arithmetic and ledger**\n\n- Proposed preliminary charge: $150.\n- Total promised package: $150 + $450 = **$600**.\n- Remaining priced work: **$450**, plus any integrated nonseparately-priced promises.\n- Customer receipts: **$0**.\n- Established lawful fee application: **$0**.\n- Creditor payments: **$0**.\n- Customer principal reduction: **$0**.\n\n**Positive branch**\n\nIf every agreed promise is actually completed, all applicable document/waiting conditions are satisfied, and no covered TSR timing condition remains, the identified full-performance bar may cease to prohibit payment. That still does not prove the amount is otherwise lawful or nonrefundable.\n\n**Adverse branch**\n\nIf $150 had already been collected, the historical receipt would not establish that it was earned. It would require separate treatment under the payment prohibition, cancellation, contract validity, and remedy provisions. No automatic “25% completion = 25% lawful fee” rule exists in the cited authorities.\n\n**Authority:** C016, C032, C052, C055–C060, C078. *Gill*, Discussion A; A.R.S. § 44-1703(1); 15 U.S.C. § 1679b(b). No actual severability or earning determination.\n\n## Model 3 — Early written cancellation, actual receipt, and return of payment\n\nThis model deliberately uses **nonboundary events**.\n\n**Fictional events**\n\n- Monday, **October 5, 2026**: contract signed and transaction occurs on the same day.\n- Tuesday, **October 6**: buyer mails a signed, dated written cancellation to the correct contractual address.\n- Wednesday, **October 7**: CSO actually receives it.\n- Tuesday, **October 13**: the full refund is actually credited back to the buyer.\n- Historical amount paid under the contract: **$480**. Its original collection is not presumed lawful.\n\n**Trigger separation**\n\n- Cancellation transmission: October 6.\n- Actual receipt, starting Arizona’s return obligation: October 7.\n- Actual completed return: October 13.\n\nBoth transmission and receipt occur early enough that the example does not depend on resolving the third-day/business-day boundary or transaction-date/signature-date discrepancy.\n\n**Elapsed-time illustration**\n\nCounting elapsed calendar days after receipt:\n\n- October 8 = day 1.\n- October 9 = day 2.\n- October 10 = day 3.\n- October 11 = day 4.\n- October 12 = day 5.\n- October 13 = day 6.\n\nThis is an elapsed-time illustration, **not a calculation of an actual legal last day**. October 12’s holiday status does not need to decide this early-return example. No universal Saturday/Sunday exclusion is assumed.\n\n**Money reconciliation**\n\n- Receipt: $480.\n- Actual return: $480.\n- Remaining amount to return under the stipulated full-cancellation branch: $480 − $480 = **$0**.\n- Creditor payments: $0.\n- Principal reduction: $0.\n- Rounding: none.\n\n**Adverse branches**\n\n- If only **$180** was returned, the stipulated remaining amount is $480 − $180 = **$300**.\n- Wrong address, unproved mailing, disputed receipt, a different signing/transaction date, or oral-only cancellation changes the evidentiary problem.\n- CROA’s general notification wording and the prescribed written notice method are not silently collapsed into a universal rule invalidating every oral communication.\n- The **15-day receipt-triggered return provision is Arizona’s**; it is not imported into CROA as a federal general refund period.\n\n**Authority:** C035–C037, C057–C058, C086–C087; A.R.S. § 44-1706(B); 15 U.S.C. § 1679e.\n\n## Model 4 — Customer money, disputed fee, creditor transfer, and provider security\n\n**Fictional customer ledger**\n\nAssume, for the first branch, all $1,000 was paid **under the CSO contract**:\n\n| Entry | Cash effect | Treatment |\n| --- | --- | --- |\n| Customer payment received | +$1,000 | Historical receipt; original legality not presumed. |\n| Refund already completed | −$250 | Actual return to customer. |\n| Actual transfer to creditor | −$200 | Distinct from provider fee and from proven principal reduction. |\n| Cash remaining | **$550** | $1,000 − $250 − $200. |\n| Provider’s claimed fee | $150 claimed | **Not deducted again.** No lawful earning/application has been established. |\n| Established lawful fee applied in this model | **$0 established** | Evidentiary hold, not a final adjudication that no fee could ever be due. |\n\n**Timely-cancellation branch**\n\nIf § 44-1706(B)’s return obligation covers all $1,000:\n\n- Required return base: $1,000.\n- Return already made: $250.\n- Remaining return obligation: **$750**.\n- Cash remaining: $550.\n- Difference requiring another source of funds: **$200**.\n\nThe actual creditor transfer does **not automatically** reduce the statutory return obligation. Its legal treatment requires the actual contract, allocation, applicable law, and authority resolving that issue.\n\n**Alternative allocation branch**\n\nIf $200 were genuinely a separate payment outside the CSO contract’s payment base:\n\n- Conditional contract-payment base: $800.\n- Less actual refund: $250.\n- Conditional remaining return: **$550**.\n\nThat alternative is not chosen merely because the seller calls $200 a pass-through. The missing legal/factual classification is explicit.\n\n**Principal accounting**\n\n- Creditor received: $200.\n- Principal reduction proved: **unknown**.\n- Let P be the portion lawfully allocated to principal. On the stipulated cash facts, 0 ≤ P ≤ $200.\n- Interest, fees, and principal allocation are not invented.\n- Provider receipts and its $150 fee claim do not themselves reduce the underlying debt.\n\n**Separate provider bond calculation**\n\nStipulated statutory fees-charged base for contracts entered during the preceding twelve months:\n\n- Nonoverlapping qualifying fee subtotal A: $300,000.\n- Qualifying fee subtotal B: $100,000.\n- F = $300,000 + $100,000 = **$400,000**.\n- Cash receipts during that period: $350,000.\n- Returns during that period: $10,000.\n\nThe statutory base is the stipulated **fees charged**, not automatically $350,000 or $340,000:\n\n- 0.05 × $400,000 = **$20,000**.\n- max($5,000, $20,000) = $20,000.\n- min($25,000, $20,000) = **$20,000 required bond face**.\n\nNo CPI calculation or rounding is used. If the “fees charged” inputs actually contain customer creditor-payment money or wrongly classified charges, the calculation must be held and the base corrected.\n\n**Provider cost/security separation**\n\n- Public bond-copy filing charge described by the read guidance: **$0 for that process**.\n- Actual surety premium: unknown variable **Pₛ**.\n- Other government/business charges, if applicable: unknown **G**.\n- Conditional expense expression: **$0 + Pₛ + G**.\n- Bond penal sum: **$20,000**, not added as an expense.\n- Collateral, if demanded by a surety: separate unknown asset/encumbrance **K**, not an assumed statutory customer charge.\n\n**Aggregate-claim boundary**\n\nIf, solely hypothetically, $18,000 of the $20,000 aggregate surety capacity had already been validly exhausted:\n\n- Remaining arithmetic capacity: $20,000 − $18,000 = **$2,000**.\n- A later claimant with $3,000 of otherwise covered actual damages would face an arithmetic surety ceiling of min($3,000, $2,000) = **$2,000**.\n- This does not establish priority, coverage, exhaustion, entitlement, payment, or the CSO’s separate liability.\n\n**Authority:** C020–C027, C036, C040, C061, C089. A.R.S. § 44-1708(B)–(C) and § 44-1706(B). This ledger supplies no custody, collection, fee, or refund permission.\n\n# 7. Granular coverage and remaining-evidence tables\n\n**Status key:**\n**Answered-text** = applicable body rule read for the identified version.\n**Partial** = rule established but material application/currentness remains open.\n**Held** = missing operative body, authoritative construction, or facts.\n**Deferred** = separate required component.\n\n## 7.1 Core, workflow, security, timing, and currentness coverage\n\n| Row | Requested issue | Status / claim references | Exact missing evidence or next action |\n| --- | --- | --- | --- |\n| G01 | Arizona buyer and CSO definitions | Answered-text — C001–C002 | Actual purchaser, services, consideration and representations remain private facts. |\n| G02 | Credit and consumer-purpose predicate | Partial — C003 | Determine actual purpose and whether a deferral right was granted; no mixed-purpose factual decision. |\n| G03 | Payment concession as obtaining credit | Held — C004 | Responsive published Arizona construction or final authoritative interpretation of § 44-1701 in that factual setting. |\n| G04 | Repair versus monitoring/education | Partial — C005, C043, C077 | Complete actual marketing/service record; no label-based classification. |\n| G05 | New credit and referrals | Answered-text/conditional — C002, C017 | Actual referral terms and whether charge is solely for same-public-terms access. |\n| G06 | Mixed services and separate prices | Held application — C005, C052, C078 | Actual integration/severability and promised performance; no assurance from invoice splitting. |\n| G07 | Regulated lender exclusion | Answered-text/conditional — C008 | Actual authorization, regulator, supervision, and service scope. |\n| G08 | State bank/S&L exclusion | Answered-text/conditional — C009 | Institution and insurance-eligibility evidence; historical FSLIC wording preserved. |\n| G09 | Real-estate broker exclusion | Answered-text/conditional — C010 | Actual Arizona license and course/scope facts. |\n| G10 | Attorney exclusion | Answered-text/conditional — C011, C048 | Professional status and actual legal-practice scope; separate federal test. |\n| G11 | SEC/CFTC broker-dealer exclusion | Answered-text/conditional — C012 | Actual registration and regulatory scope. |\n| G12 | Nonprofit exclusion | Answered-text/conditional — C013, C045 | Actual nonprofit and § 501(c)(3) status; no entity search performed. |\n| G13 | Employee/affiliate/general creditor labels | Answered-text/conditional — C014–C015 | Actual statutory role; no general state exclusion inferred. |\n| G14 | CROA own-creditor exclusion | Partial — C046 | § 1602 creditor facts and debt owed to that creditor; purchased-account classification unresolved. |\n| G15 | CROA institutional affiliate/subsidiary | Partial — C047 | Actual charter/control and any responsive construction; deeper affiliate crossreference not fully read. |\n| G16 | Incorporated § 501(q) conditions | Answered-text/conditional — C049–C050 | Actual operations, governance, ownership, fees and revenue; underlying 2006 enactment not separately read. |\n| G17 | State advance-payment condition | Answered-text — C016 | Full performance or valid compliant bond facts. |\n| G18 | Surety issuer, filing, and custody distinction | Partial — C020, C023, C025 | Actual issuer authorization/instrument; filing copy does not establish custody authority. |\n| G19 | Bond measure and annual adjustment | Answered-text — C021–C022 | Actual preceding twelve-month fees-charged records and fiscal-year start. |\n| G20 | Beneficiaries, actual damages, aggregate limit | Answered-text/conditional — C023–C024 | Covered violation/loss, aggregate exhaustion, priority and defenses. |\n| G21 | Bond cancellation/change/renewal/claim instrument | Held — C027 | Current CSO-specific approved blank bond, riders, cancellation procedure and operative version. |\n| G22 | Public government charge | Partial — C026 | $0 guidance limited to bond-copy procedure; other charges and current checkout not established. |\n| G23 | Separate license/registration/trust alternative | Partial — C025 | Full responsive rule/adoption inventory and other applicable authorization law; no universal no-license conclusion. |\n| G24 | State precontract/prepayment disclosure trigger | Answered-text — C028–C029 | Actual delivery before the earlier event. |\n| G25 | Buyer receipt and retention | Answered-text/partial — C031, C054 | Actual acknowledgment and retention; state starting-event construction if material. |\n| G26 | Payment/service/guarantee/refund contract terms | Answered-text — C032, C055 | Actual complete agreement and integrated representations. |\n| G27 | Type, placement, duplicates, language, copies | Answered-text — C033–C034, C058 | Actual document layout, language, completion and delivery. |\n| G28 | State cancellation trigger wording | Held harmonization — C035 | Published construction where transaction and signing dates differ. |\n| G29 | Cancellation method and address | Partial — C037, C058 | Actual notice, correct address, mailing/delivery proof; electronic substitution law deferred. |\n| G30 | State return scope and receipt clock | Answered-text/conditional — C036 | Actual receipt, payment base, completed return, mixed-fund allocation. |\n| G31 | Federal separate disclosure | Answered-text — C053–C054 | Actual statutory statement and signed receipt. |\n| G32 | Federal service-start waiting period | Partial — C056 | Endpoint/business-day construction if boundary matters; no boundary example used. |\n| G33 | Federal cancellation and required notice discrepancy | Partial — C057–C058, C084 | Responsive authoritative reconciliation; original enactment confirms differing wording. |\n| G34 | Calendar, holidays, and business days | Partial — C086 | Applicable federal business-day construction and precise Arizona short-notice application. |\n| G35 | Completion versus installments/partial work | Partial — C016, C052, C078 | Actual full promises, service independence and completed performance. |\n| G36 | False reporting/new identity/deceptive promises | Answered-text — C018–C019, C051 | Actual statement, knowledge, accuracy and purpose. |\n| G37 | Waiver and contract voidness | Answered-text — C039, C059–C060 | Actual clause/defect; arbitration separately bounded. |\n| G38 | State private/public remedies | Partial — C038–C042 | Injury, causation, willfulness, damages, procedure and discretionary findings. |\n| G39 | Federal remedies and arbitration distinction | Partial — C061–C063, C079–C080 | Actual claim, forum agreement, remedial authority and current § 53 text. |\n| G40 | TSR campaign/seller/customer predicates | Answered-text/conditional — C064 | Actual campaign/interstate calls and transaction role. |\n| G41 | FTC jurisdiction/nonprofit/contractor limits | Partial — C065 | Actual organizational purpose and deeper sector crossreferences. |\n| G42 | Inbound ads, unsolicited calls, face-to-face, upsells | Answered-text/conditional — C066–C067 | Actual solicitation and sale/payment sequence. |\n| G43 | TSR report issuance/provision conditions | Answered-text — C068–C069 | Actual results date, report issue date, content and provision. |\n| G44 | Represented timeframe and no relative-order requirement | Answered-text — C068–C070 | All actual oral/written timeframe representations. |\n| G45 | CRA/report/permissible purpose | Partial — C071 | Full § 1681e requirements and lawful actual access; no report obtained. |\n| G46 | Retention under TSR | Answered-text/conditional — C076 | Actual applicable records and each record’s prescribed trigger. |\n| G47 | Recent Arizona amendment checking | Partial — C081 | Index checking completed for relevant ranges; no all-session/all-law certificate. |\n| G48 | Original 1988 act and earlier chain | Held — C082 | Readable official original act and 1989–2022 material amendment history. |\n| G49 | Arizona operative CSO rules/adoption/repeal | Held — C025, C027 | Responsive complete rule/adoption bodies; partial Title 14 inventory is insufficient. |\n| G50 | Exact current CROA codification | Partial — C083 | Complete post-October 7 updating through access date; newer partial reads do not close it. |\n| G51 | TSR final amendments and dates | Answered-text/partial — C085 | Read listed final amendments; subsequent litigation/stay/currentness beyond displayed currency not certified. |\n| G52 | Incorporated institutional/tax/FTC definitions | Partial — C044–C050, C065 | Deeper unexamined affiliate, banking, securities and commodities references if branch invoked. |\n| G53 | Published interpretation and later treatment | Partial — C006, C077–C080 | Full subsequent-history research remains open; no unpublished authority used. |\n| G54 | Official guidance/statute conflicts | Answered-text — C087–C088 | No later authoritative correction or harmonization located; statutes retained as controlling text. |\n| G55 | Model 1 classification/payment chronology | Completed conditional model — C002–C004, C016, C021, C052, C068–C071 | Actual facts and currency holds prevent permission determination. |\n| G56 | Model 2 partial versus complete performance | Completed conditional model — C016, C052, C078 | Actual independence and completed promises needed. |\n| G57 | Model 3 cancellation/return sequence | Completed nonboundary model — C035–C037, C057–C058, C086 | No actual endpoint or filing calendar supplied. |\n| G58 | Model 4 customer/security ledger | Completed conditional model — C021–C027, C036 | Actual allocation, fee earning, security coverage and refund source unresolved. |\n| G59 | Fictional actor/service/exclusion postures | Completed — P01–P16 | Illustrations do not substitute for actual evidence. |\n| G60 | Private actor/customer/contract/status facts | Held by scope | No actual provider, buyer, report, license, tax status or contract queried. |\n| G61 | General price cap, premium and other charges | Partial — C026, C089 | No numeric general cap in read provisions; unknown private premium/other government fees remain unknown. |\n| G62 | Failed and partial source routes | Recorded above — S001–S034 as applicable | Recover the specifically identified bodies through an ordinary public official route; no absence inference or workaround. |\n\n## 7.2 Territory and local-practice holds\n\n| Row | Territory issue | Status / references | Exact remaining evidence |\n| --- | --- | --- | --- |\n| T01 | Arizona conduct directed outside Arizona | Partial — C006 | *Sgrillo* supports its actual posture; different contacts and claims need analysis. |\n| T02 | Remote conduct directed into Arizona | Held — C007 | Responsive territorial/choice-of-law authority and actual contacts. |\n| T03 | County/city forms, local procedure and calendars | Deferred | No fifteen-county administrative inventory or fifteen local-practice checks were performed in this pass. Specific local requirements remain open. |\n| T04 | Tribal parties, land, courts or sovereign issues | Deferred | Applicable tribal/federal jurisdiction and actual territorial facts; no tribal conclusion. |\n| T05 | Interstate contracts and federal/state forum interaction | Partial/deferred — C063, C079 | Actual choice-of-law/forum provisions and responsive authority; no nationwide permission. |\n\n## 7.3 Separate required components\n\n| Row | Deferred family | Disposition and exact next investigation |\n| --- | --- | --- |\n| D01 | Debt-management/settlement market access, fees, renewal and proration | Separate regime; no P02 issue resolved here. |\n| D02 | JHass/custodial debt-management classification | Separate required analysis; bond copying does not resolve custody. |\n| D03 | Collection-agency credentials/security | P06 remains separate; no collection authority inferred. |\n| D04 | Collection communications/validation/disputes | P07 remains separate; no contact workflow imported. |\n| D05 | Debt merits, ownership, standing, evidence and service | Separate litigation pass; contracts here are CSO service contracts, not proof of underlying debt. |\n| D06 | Default, vacatur and procedural relief | Separate rules/case-law work. |\n| D07 | Limitations, revival and judgment renewal | P05 separate; no clock reused. |\n| D08 | Earnings garnishment | P03 unreviewed; no earnings formula imported. |\n| D09 | Bank/non-earnings garnishment | P04 unreviewed; no bank exemption imported. |\n| D10 | Other debtor property, homestead, secured foreclosure/repo | Separate enforcement and secured-debt regimes. |\n| D11 | Medical, tax, student, utility and other sectors | Separate statutory and federal overlays. |\n| D12 | Full arbitration analysis | Only *CompuCredit*’s narrow CROA holding read; actual clause validity/enforcement remains open. |\n| D13 | Full surety litigation and insurance coverage | Need actual instrument, applicable claim limitations, defenses, priority and exhaustion evidence. |\n| D14 | Full remedies, remedy limitations and monetary recovery | Limited statutory predicates identified; no award, actual limitations period or complete enforcement pathway determined. |\n| D15 | Full FCRA, TCPA, DNC, privacy, electronic-signature law | Only indispensable report-purpose and marketing boundaries addressed; complete regimes remain open. |\n| D16 | Customer funds, solvency, trust obligations and refund funding | No custody permission; actual funds, account treatment, priority and provider solvency remain held. |\n| D17 | Full Arizona, country, parent and A066/A097/A098 acceptance | **Not supplied.** This pass contributes only the stated CSO/CROA/TSR component evidence. |\n\n# 8. P01 contribution crosswalk and preservation of prior status\n\nThe complete raw P01 CSO/CROA rows and their row/claim identifiers were **not supplied in this conversation**. I preserve the exact labels supplied and identify their descriptions as user-provided provenance. I do not manufacture unavailable P01 IDs or claim a fresh opening of the coordinator review.\n\n| Earlier item / supplied provenance | Preserved prior status | Narrow PASS-08 contribution | Remaining hold |\n| --- | --- | --- | --- |\n| Exact supplied label: **“Adjacent CSO rules”** | User describes statutory conditions with classification unresolved, including whether a new concession is obtaining credit and actual credit-improvement representations. | Fresh Arizona definitions, exclusions, contracts/security and *Sgrillo*; fresh CROA and *Stout*. **C001–C050, C077.** | Concession construction and actual representations still unresolved. Full original raw row/IDs unavailable. |\n| Exact supplied label: **“Exact current CROA codification”** | Held; coordinator did not freshly reopen cancellation/CROA. | Complete readable OLRC bodies through October 7; original 1996 enactment; partial newer release; documented failures. **C051–C063, C083–C084.** | Complete post-October 7 currentness not established. This is a substantive partial recovery, not closure. |\n| Full agreements/funds/bonds/solvency/remedies, as described by user | Later required passes. Exact original row text/IDs not supplied. | CSO-specific agreement, conditional bond, cancellation, limited remedies, and conditional ledger. | Full funds/solvency/surety/remedy litigation remains open; no substitution of a guessed original row. |\n| Exact supplied broader topic: **“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.”** | Only indispensable CSO contract, jurisdiction and remedy distinctions addressed. | **“Separate focused investigations are required. Nothing in this component supplies statewide or A066 acceptance.”** |\n| P01 scoped review, user-reported **2026-10-23T05:19:34.171103Z** | Same-coordinator scoped review and selected checks; not independent/all-source/current-state acceptance. | Preserved as provenance only. | Coordinator file was not freshly read or rewritten here. |\n| P02 and P03–P07 | P02 different renewal/proration regime; P03–P07 saved or running **UNREVIEWED**, per supplied status. | No legal premise imported from them. | Their reviews, corrections and acceptance statuses remain unchanged. |\n\n# 9. Researcher self-check — not independent review\n\n**Actually read**\n\n- All twelve Arizona CSO sections, the material linked Arizona reporting provisions, and the listed limited CFA provisions.\n- Arizona general time/holiday/nonretroactivity text and the relevant constitutional effectiveness clause.\n- Relevant 2023–2026 affected-statute index ranges, with their limited evidentiary role.\n- Public ACA bond-copy instructions, ACC generic form lists and cover sheet, and the AG credit-repair guide.\n- Complete CROA bodies in the readable OLRC October 7 release, the 2024 official fallback, and the original enacted CROA §§ 401–413.\n- Material incorporated tax, creditor, institution, credit-union, report-purpose and FTC-jurisdiction definitions, to the exact scope recorded.\n- Necessary TSR operative provisions, the pertinent original final-rule explanation, and the operative 2024 final amendments.\n- The five published majority opinions identified above, to the recorded scope.\n\n**Not established or not fully read**\n\n- The original Arizona 1988 enactment, its precise commencement/transition, and a complete earlier amendment chain.\n- A complete operative Arizona CSO rule/adoption/repeal inventory.\n- A current authenticated CSO-specific bond instrument and its cancellation/claim riders.\n- An authoritative Arizona construction that a concession alone is obtaining credit.\n- A published reconciliation of every state/federal cancellation wording and boundary-day issue.\n- Complete CROA updating after the readable October 7 release through the October 27 access date.\n- Complete deeper institutional/sector crossreferences, current § 53, all FCRA requirements, and all subsequent judicial treatment.\n- Any actual provider, buyer, tax status, license, contract, report, account, performance, receipt, refund, or security claim.\n\n**Verification discipline**\n\n- Search results and indexes were used for discovery or bounded amendment checks, not substituted for operative bodies.\n- The two unofficial opinion hosts are disclosed; the holdings are separated from arguments and headnotes.\n- *AMG* was read before relying on the old *Gill* remedy discussion; that old monetary route is not presented as current authority.\n- No comparison jurisdiction or unpublished opinion was used to fill the concession or cancellation gaps.\n- The four models keep customer receipts, claimed fees, established applications, refunds, creditor transfers, principal allocation, private premium and bond face amount separate.\n- No state bond, disclosure, contract, arithmetic result, or completed preliminary task is treated as permission to request or receive payment under a separately applicable federal prohibition.\n- Nothing here rewrites prior reports or provides independent-review, actual-actor, full-state, parent, A066, A097, or A098 acceptance.\n\nEND S_AZ PASS-08.\n\n","tables":[{"headers":["Item","Record for this pass"],"index":0,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[]],"rows":[["Item","Record for this pass"],["Baseline requested","October 22, 2026, Pacific."],["Actual research access","October 27, 2026, Pacific, later than the baseline."],["Clock information","A research-session clock was logged at 12:34:27 UTC, equivalent to 05:34:27 Pacific; a later clock read was 13:03:43 UTC, equivalent to 06:03:43 Pacific. These are session observations, not timestamps for individual source openings."],["Individual source-opening times","Unknown unless expressly stated otherwise. Publication dates, source currency, and this report’s completion are not substituted for opening times."],["Method","Public search and actual webpage/PDF-body retrieval in this conversation. PDF reading was of returned paginated text; no assertion of visual authentication of signatures or seals."],["Earlier-pass reliance","No legal conclusion in this pass rests on unreviewed P03–P07. P02 licensing renewal/proration supplies no premise here. The P01 review descriptions are user-supplied provenance, not a newly opened coordinator file."],["Actions","No private records, actual credit reports, entity-status searches, applications, submissions, contacts, accounts, purchases, website changes, publication, new chats, or subagents were used for this pass."],["Identifier convention","Full source IDs are S_AZ-P08-S001–S034. Full claim IDs are S_AZ-P08-C001–C089. Short references such as “S001” and “C016” below mean those PASS-08 IDs only."],["Confidence convention","High-text means the stated proposition is supported by the body read, subject to that source’s version limits. Conditional means factual predicates remain unproved. Held means identified evidence or construction is missing. These labels do not constitute acceptance of the component."]]},{"headers":["Claim ID","Actor and predicate","Rule, consequence, or hold","Primary evidence and limits"],"index":1,"links":[{"href":"https://www.azleg.gov/ars/44/01701.htm?utm_source=chatgpt.com","text":"https://www.azleg.gov/ars/44/01701.htm"},{"href":"https://www.azleg.gov/ars/44/01701.htm?utm_source=chatgpt.com","text":"https://www.azleg.gov/ars/44/01701.htm"},{"href":"https://www.azleg.gov/ars/44/01701.htm?utm_source=chatgpt.com","text":"https://www.azleg.gov/ars/44/01701.htm"},{"href":"https://cdn.ca9.uscourts.gov/datastore/opinions/2014/02/21/10-56887.pdf?utm_source=chatgpt.com","text":"https://cdn.ca9.uscourts.gov/datastore/opinions/2014/02/21/10-56887.pdf"},{"href":"https://law.justia.com/cases/arizona/court-of-appeals/1993/176-ariz-148.html?utm_source=chatgpt.com","text":"https://law.justia.com/cases/arizona/court-of-appeals/1993/176-ariz-148.html"},{"href":"https://www.azleg.gov/ars/44/01702.htm?utm_source=chatgpt.com","text":"https://www.azleg.gov/ars/44/01702.htm"},{"href":"https://uscode.house.gov/us/usc/119-118/t26/s501/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-118/t26/s501/"},{"href":"https://www.azleg.gov/ars/44/01701.htm?utm_source=chatgpt.com","text":"https://www.azleg.gov/ars/44/01701.htm"},{"href":"https://www.azleg.gov/ars/44/01702.htm?utm_source=chatgpt.com","text":"https://www.azleg.gov/ars/44/01702.htm"},{"href":"https://www.azleg.gov/ars/44/01709.htm?utm_source=chatgpt.com","text":"https://www.azleg.gov/ars/44/01709.htm"}],"row_links":[[],[{"href":"https://www.azleg.gov/ars/44/01701.htm?utm_source=chatgpt.com","text":"https://www.azleg.gov/ars/44/01701.htm"}],[{"href":"https://www.azleg.gov/ars/44/01701.htm?utm_source=chatgpt.com","text":"https://www.azleg.gov/ars/44/01701.htm"}],[{"href":"https://www.azleg.gov/ars/44/01701.htm?utm_source=chatgpt.com","text":"https://www.azleg.gov/ars/44/01701.htm"}],[],[{"href":"https://cdn.ca9.uscourts.gov/datastore/opinions/2014/02/21/10-56887.pdf?utm_source=chatgpt.com","text":"https://cdn.ca9.uscourts.gov/datastore/opinions/2014/02/21/10-56887.pdf"}],[{"href":"https://law.justia.com/cases/arizona/court-of-appeals/1993/176-ariz-148.html?utm_source=chatgpt.com","text":"https://law.justia.com/cases/arizona/court-of-appeals/1993/176-ariz-148.html"}],[],[{"href":"https://www.azleg.gov/ars/44/01702.htm?utm_source=chatgpt.com","text":"https://www.azleg.gov/ars/44/01702.htm"}],[],[],[],[],[{"href":"https://uscode.house.gov/us/usc/119-118/t26/s501/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-118/t26/s501/"}],[{"href":"https://www.azleg.gov/ars/44/01701.htm?utm_source=chatgpt.com","text":"https://www.azleg.gov/ars/44/01701.htm"},{"href":"https://www.azleg.gov/ars/44/01702.htm?utm_source=chatgpt.com","text":"https://www.azleg.gov/ars/44/01702.htm"}],[{"href":"https://www.azleg.gov/ars/44/01709.htm?utm_source=chatgpt.com","text":"https://www.azleg.gov/ars/44/01709.htm"}]],"rows":[["Claim ID","Actor and predicate","Rule, consequence, or hold","Primary evidence and limits"],["S_AZ-P08-C001","Person solicited to purchase or purchasing covered services","Arizona’s “buyer” is a natural person. Entity purchasers do not satisfy that definition merely because an owner is an individual.","S001, A.R.S. § 44-1701(1), https://www.azleg.gov/ars/44/01701.htm. High-text; actual buyer identity held."],["S_AZ-P08-C002","Person acting for money or other valuable consideration, concerning credit extended by others","CSO coverage includes selling, providing, performing, or representing an ability to improve a buyer’s credit record/history/rating, obtain credit, or provide related advice or assistance.","S001, § 44-1701(2)(a)–(c), https://www.azleg.gov/ars/44/01701.htm. High-text; consideration and representations are factual predicates."],["S_AZ-P08-C003","Credit arrangement primarily for personal, family, or household purposes","“Extension of credit” includes a right to defer debt payment or incur debt and defer payment. The Arizona definition contains a consumer-purpose limitation.","S001, § 44-1701(3), https://www.azleg.gov/ars/44/01701.htm. High-text; mixed-purpose classification held."],["S_AZ-P08-C004","Negotiator obtaining forbearance, a new payment schedule, or principal reduction","A newly granted deferral right is textually relevant. Whether a concession alone is “obtaining” credit remains unresolved; no responsive published Arizona construction was located in the bounded search. Principal reduction alone does not establish a deferral right.","S001, § 44-1701(2)(b), (3), same URL. Inference from text, not a judicial holding or actual classification."],["S_AZ-P08-C005","Monitoring, education, “free” repair, referrals, or separately priced mixed services","Labels and invoice separation do not displace the statutory predicates. Whether indirect consideration or an integrated package supplies those predicates requires actual facts; no assurance follows from charging through an affiliate or separating prices.","S001, § 44-1701(2), same URL; S030, Stout, pp. 12–18, https://cdn.ca9.uscourts.gov/datastore/opinions/2014/02/21/10-56887.pdf. Conditional; Stout construes federal CROA."],["S_AZ-P08-C006","Arizona-based conduct directed to nonresident buyers","Sgrillo rejected nonresident-buyer immunity for the Arizona conduct before it. That decision supports the outbound Arizona situation it decided.","S015, 176 Ariz. 148, 149, https://law.justia.com/cases/arizona/court-of-appeals/1993/176-ariz-148.html. Published majority reproduced by Justia; classification was conceded in the posture described below."],["S_AZ-P08-C007","Remote seller outside Arizona contacting an Arizona buyer","Section 44-1701 supplies no express residence-based safe harbor. Sgrillo does not itself decide the reverse, remote-to-Arizona situation. Territorial jurisdiction, choice of law, and particular contacts remain held.","S001, § 44-1701; S015, p. 149, URLs in C001/C006. Text plus bounded holding; no universal nexus conclusion."],["S_AZ-P08-C008","Lender or credit extender invoking § 44-1702(1)","The person must have the specified Arizona/federal organization, charter, license, or authorization to lend/extend credit and be subject to Arizona/federal official regulation and supervision. A lending label alone is insufficient.","S001, § 44-1702(1), https://www.azleg.gov/ars/44/01702.htm. High-text; actual credentials held."],["S_AZ-P08-C009","Bank or savings-and-loan institution","The state exclusion concerns an institution whose deposits/accounts are eligible for FDIC or the text’s historical FSLIC insurance. The obsolete institutional name is preserved as written, not silently modernized.","S001, § 44-1702(2), same URL. High-text; institutional and insurance predicates held."],["S_AZ-P08-C010","Arizona real-estate broker","Exclusion applies while acting within the course and scope of the Arizona broker license.","S001, § 44-1702(3), same URL. High-text; no blanket exclusion for an affiliated repair business."],["S_AZ-P08-C011","Arizona-licensed attorney","Exclusion applies to services within the course and scope of the attorney’s practice. Attorney ownership, referral, or connection alone does not prove that predicate.","S001, § 44-1702(4), same URL. High-text; federal treatment differs, C048."],["S_AZ-P08-C012","SEC- or CFTC-registered broker-dealer","Exclusion requires acting within the course and scope of that regulation.","S001, § 44-1702(5), same URL. High-text; actual registration/scope not queried."],["S_AZ-P08-C013","Nonprofit invoking the Arizona exclusion","The organization must be nonprofit and exempt under IRC § 501(c)(3). Incorporation as nonprofit or § 501(c)(4) status is not the specified predicate.","S001, § 44-1702(6), same URL; S019, § 501(c)(3), (q), https://uscode.house.gov/us/usc/119-118/t26/s501/. Conditional tax-status inquiry."],["S_AZ-P08-C014","Employee, affiliate, ordinary creditor, or agent","The six listed state exclusions do not contain separate blanket employee, affiliate, or ordinary-own-creditor exemptions. An own-creditor transaction may instead fail the “credit by others” definition; that is a different analysis.","S001, §§ 44-1701(2), 44-1702, https://www.azleg.gov/ars/44/01701.htm, https://www.azleg.gov/ars/44/01702.htm. Bounded textual conclusion."],["S_AZ-P08-C015","Person asserting an Arizona article exemption","The exemption claimant bears the burden of proving it.","S001, § 44-1709(B), https://www.azleg.gov/ars/44/01709.htm. High-text."]]},{"headers":["Claim ID","Actor and predicate","Rule, clock, or consequence","Primary evidence and limits"],"index":2,"links":[{"href":"https://www.azleg.gov/ars/44/01703.htm?utm_source=chatgpt.com","text":"https://www.azleg.gov/ars/44/01703.htm"},{"href":"https://www.azleg.gov/ars/44/01703.htm?utm_source=chatgpt.com","text":"https://www.azleg.gov/ars/44/01703.htm"},{"href":"https://www.azleg.gov/ars/44/01708.htm?utm_source=chatgpt.com","text":"https://www.azleg.gov/ars/44/01708.htm"},{"href":"https://apps.azsos.gov/public_services/Title_14/14-01.pdf?utm_source=chatgpt.com","text":"https://apps.azsos.gov/public_services/Title_14/14-01.pdf"},{"href":"https://www.azcommerce.com/small-business/checklist-items/additional-business-occupations-and-activities/credit-repaircredit-services/?utm_source=chatgpt.com","text":"https://www.azcommerce.com/small-business/checklist-items/additional-business-occupations-and-activities/credit-repaircredit-services/"},{"href":"https://www.azcc.gov/corporations/forms?utm_source=chatgpt.com","text":"https://www.azcc.gov/corporations/forms"},{"href":"https://www.azcc.gov/corporations/forms/corporation-forms?utm_source=chatgpt.com","text":"https://www.azcc.gov/corporations/forms/corporation-forms"}],"row_links":[[],[{"href":"https://www.azleg.gov/ars/44/01703.htm?utm_source=chatgpt.com","text":"https://www.azleg.gov/ars/44/01703.htm"}],[],[],[],[{"href":"https://www.azleg.gov/ars/44/01703.htm?utm_source=chatgpt.com","text":"https://www.azleg.gov/ars/44/01703.htm"},{"href":"https://www.azleg.gov/ars/44/01708.htm?utm_source=chatgpt.com","text":"https://www.azleg.gov/ars/44/01708.htm"}],[],[],[],[],[{"href":"https://apps.azsos.gov/public_services/Title_14/14-01.pdf?utm_source=chatgpt.com","text":"https://apps.azsos.gov/public_services/Title_14/14-01.pdf"}],[{"href":"https://www.azcommerce.com/small-business/checklist-items/additional-business-occupations-and-activities/credit-repaircredit-services/?utm_source=chatgpt.com","text":"https://www.azcommerce.com/small-business/checklist-items/additional-business-occupations-and-activities/credit-repaircredit-services/"}],[{"href":"https://www.azcc.gov/corporations/forms?utm_source=chatgpt.com","text":"https://www.azcc.gov/corporations/forms"},{"href":"https://www.azcc.gov/corporations/forms/corporation-forms?utm_source=chatgpt.com","text":"https://www.azcc.gov/corporations/forms/corporation-forms"}]],"rows":[["Claim ID","Actor and predicate","Rule, clock, or consequence","Primary evidence and limits"],["S_AZ-P08-C016","CSO and its salespersons, agents, or representatives selling or attempting to sell services","No charge or receipt of consideration before full and complete performance of all agreed services, unless the CSO has the required compliant surety bond. A bonded CSO’s individual salespersons/agents/representatives need not separately obtain that bond.","S001, § 44-1703(1), https://www.azleg.gov/ars/44/01703.htm. State provision only; federal restrictions independently apply."],["S_AZ-P08-C017","CSO charging solely for a referral","A fee solely for referring a buyer to a retail seller offering credit on substantially the same terms available to the general public is prohibited.","S001, § 44-1703(2), same URL. Does not authorize other referral arrangements."],["S_AZ-P08-C018","CSO or covered representative making or counseling credit statements","False or misleading credit statements to a CRA or existing/prospective creditor are prohibited where the actor knows or should know their falsity or misleading character.","S001, § 44-1703(3), same URL. No “accurate information deletion” permission inferred."],["S_AZ-P08-C019","Seller offering or selling CSO services","Misleading service representations and fraudulent or deceptive acts or practices are prohibited.","S001, § 44-1703(4), same URL. A contract disclaimer does not itself resolve a contrary sales representation."],["S_AZ-P08-C020","CSO relying on the advance-payment bond condition","The issuer must be a surety authorized to do business in Arizona; a copy of the required bond must be filed with the Corporation Commission. Filing a copy does not establish substantive compliance or an authorization grant.","S001, §§ 44-1703(1), 44-1708(A)(1), https://www.azleg.gov/ars/44/01703.htm, https://www.azleg.gov/ars/44/01708.htm. Actual issuer status and instrument held."],["S_AZ-P08-C021","Bond-required CSO","Required face amount: B = min($25,000, max($5,000, 0.05 × F)), where F is the statutory preceding-twelve-month fees-charged measure.","S001, § 44-1708(C), same bond URL. No CPI adjustment or refund-netting rule appears in this provision."],["S_AZ-P08-C022","Bond-required CSO at annual adjustment","Adjust the required amount once yearly, no later than the tenth day of the first month of its fiscal year.","S001, § 44-1708(C), final paragraph, same URL. Actual fiscal year and measurement records held."],["S_AZ-P08-C023","Person damaged by an article violation","Bond runs in favor of the state for damaged persons and in favor of damaged persons; a claimant may bring an action at law against the CSO and surety.","S001, § 44-1708(A)(2)–(3), same URL. This is not an automatic administrative payout."],["S_AZ-P08-C024","Surety facing valid covered claims","Surety liability is for actual damages, not § 44-1711 punitive damages, and aggregate liability to all damaged persons cannot exceed the bond amount.","S001, § 44-1708(B), same URL. Coverage, remaining capacity, priority, defenses, and actual loss require evidence."],["S_AZ-P08-C025","Person assessing the CSO article as a market-access system","The read Article 7 does not establish a separate general CSO license or a trust-account alternative to its bond condition. That bounded finding is not a conclusion that no other law or rule can apply.","S001, §§ 44-1701–1712; S010 partial rule inventory, https://apps.azsos.gov/public_services/Title_14/14-01.pdf. Broader rule/authorization inventory held."],["S_AZ-P08-C026","Person following the public bond-copy procedure","Arizona Commerce Authority instructions describe sending a bond copy with a letter to the ACC Corporations Division Records Section for the public company record and state no fee for that procedure.","S011, “Credit Repair/Credit Services,” https://www.azcommerce.com/small-business/checklist-items/additional-business-occupations-and-activities/credit-repaircredit-services/. Undated guidance; $0 is not a universal business, expedited-service, or licensing total."],["S_AZ-P08-C027","Person needing a current approved bond instrument or cancellation/claim rider","Generic ACC form lists and a generic cover sheet were read; no current CSO-specific approved blank bond, cancellation rider, or claim form was authenticated. Those documents and their operative versions remain held.","S012–S013, https://www.azcc.gov/corporations/forms, https://www.azcc.gov/corporations/forms/corporation-forms. No inference of nonexistence."]]},{"headers":["Claim ID","Actor and predicate","Required act, trigger, clock, or consequence","Primary evidence and limits"],"index":3,"links":[{"href":"https://www.azleg.gov/ars/44/01704.htm?utm_source=chatgpt.com","text":"https://www.azleg.gov/ars/44/01704.htm"},{"href":"https://www.azleg.gov/ars/44/01705.htm?utm_source=chatgpt.com","text":"https://www.azleg.gov/ars/44/01705.htm"},{"href":"https://www.azleg.gov/ars/44/01693.htm?utm_source=chatgpt.com","text":"https://www.azleg.gov/ars/44/01693.htm"},{"href":"https://www.azleg.gov/ars/44/01694.htm?utm_source=chatgpt.com","text":"https://www.azleg.gov/ars/44/01694.htm"},{"href":"https://www.azleg.gov/ars/44/01704.htm?utm_source=chatgpt.com","text":"https://www.azleg.gov/ars/44/01704.htm"},{"href":"https://www.azleg.gov/ars/44/01706.htm?utm_source=chatgpt.com","text":"https://www.azleg.gov/ars/44/01706.htm"},{"href":"https://www.azleg.gov/ars/44/01707.htm?utm_source=chatgpt.com","text":"https://www.azleg.gov/ars/44/01707.htm"},{"href":"https://www.azleg.gov/ars/44/01709.htm?utm_source=chatgpt.com","text":"https://www.azleg.gov/ars/44/01709.htm"},{"href":"https://www.azleg.gov/ars/44/01711.htm?utm_source=chatgpt.com","text":"https://www.azleg.gov/ars/44/01711.htm"},{"href":"https://www.azleg.gov/ars/44/01710.htm?utm_source=chatgpt.com","text":"https://www.azleg.gov/ars/44/01710.htm"},{"href":"https://www.azleg.gov/ars/44/01521.htm?utm_source=chatgpt.com","text":"https://www.azleg.gov/ars/44/01521.htm"},{"href":"https://www.azleg.gov/ars/44/01522.htm?utm_source=chatgpt.com","text":"https://www.azleg.gov/ars/44/01522.htm"},{"href":"https://www.azleg.gov/ars/44/01531.htm?utm_source=chatgpt.com","text":"https://www.azleg.gov/ars/44/01531.htm"}],"row_links":[[],[{"href":"https://www.azleg.gov/ars/44/01704.htm?utm_source=chatgpt.com","text":"https://www.azleg.gov/ars/44/01704.htm"}],[{"href":"https://www.azleg.gov/ars/44/01705.htm?utm_source=chatgpt.com","text":"https://www.azleg.gov/ars/44/01705.htm"}],[{"href":"https://www.azleg.gov/ars/44/01693.htm?utm_source=chatgpt.com","text":"https://www.azleg.gov/ars/44/01693.htm"},{"href":"https://www.azleg.gov/ars/44/01694.htm?utm_source=chatgpt.com","text":"https://www.azleg.gov/ars/44/01694.htm"}],[{"href":"https://www.azleg.gov/ars/44/01704.htm?utm_source=chatgpt.com","text":"https://www.azleg.gov/ars/44/01704.htm"}],[{"href":"https://www.azleg.gov/ars/44/01706.htm?utm_source=chatgpt.com","text":"https://www.azleg.gov/ars/44/01706.htm"}],[],[],[],[],[],[{"href":"https://www.azleg.gov/ars/44/01707.htm?utm_source=chatgpt.com","text":"https://www.azleg.gov/ars/44/01707.htm"}],[{"href":"https://www.azleg.gov/ars/44/01709.htm?utm_source=chatgpt.com","text":"https://www.azleg.gov/ars/44/01709.htm"}],[{"href":"https://www.azleg.gov/ars/44/01711.htm?utm_source=chatgpt.com","text":"https://www.azleg.gov/ars/44/01711.htm"}],[{"href":"https://www.azleg.gov/ars/44/01710.htm?utm_source=chatgpt.com","text":"https://www.azleg.gov/ars/44/01710.htm"}],[{"href":"https://www.azleg.gov/ars/44/01521.htm?utm_source=chatgpt.com","text":"https://www.azleg.gov/ars/44/01521.htm"},{"href":"https://www.azleg.gov/ars/44/01522.htm?utm_source=chatgpt.com","text":"https://www.azleg.gov/ars/44/01522.htm"},{"href":"https://www.azleg.gov/ars/44/01531.htm?utm_source=chatgpt.com","text":"https://www.azleg.gov/ars/44/01531.htm"}]],"rows":[["Claim ID","Actor and predicate","Required act, trigger, clock, or consequence","Primary evidence and limits"],["S_AZ-P08-C028","CSO approaching contract execution or payment","Give the required written information statement before execution or receipt of consideration, whichever occurs first.","S001, § 44-1704(A), https://www.azleg.gov/ars/44/01704.htm. High-text."],["S_AZ-P08-C029","CSO preparing that statement","Include accurate file/dispute rights, approximate CRA file-copy charge, complete services, total payment/obligation, and, where a bond is required, bond rights and surety name/address.","S001, § 44-1705(1)–(4), https://www.azleg.gov/ars/44/01705.htm. Linked Arizona reporting provisions were read."],["S_AZ-P08-C030","Consumer exercising the incorporated Arizona reporting rights","Section 44-1693 addresses identification, file/source/requestor access, assistance, and specified free-copy circumstances; § 44-1694 provides written-error investigation and correction rights. Its § 44-1694(D)(2) dispute statement is without charge.","S001, §§ 44-1693(A)–(D), 44-1694(A)–(D), https://www.azleg.gov/ars/44/01693.htm, https://www.azleg.gov/ars/44/01694.htm. This is not a complete FCRA analysis."],["S_AZ-P08-C031","CSO retaining acknowledgment","Retain an exact copy of the information statement personally signed by the buyer acknowledging receipt, in file or microfilm, for two years.","S001, § 44-1704(B), https://www.azleg.gov/ars/44/01704.htm. The state sentence does not expressly specify the starting event as the federal provision does."],["S_AZ-P08-C032","CSO entering a buyer contract","Contract must be written, dated, buyer-signed; state payments to the CSO or others; fully describe services, guarantees and refund promises; give estimated completion date/duration, principal address, and process-agent name/address.","S001, § 44-1706(A)(2)–(4), https://www.azleg.gov/ars/44/01706.htm. A promise is not proof of performance."],["S_AZ-P08-C033","CSO presenting the signature page","Place the prescribed conspicuous cancellation statement in at least ten-point type, immediately near the buyer’s signature space.","S001, § 44-1706(A)(1), same URL. No federal ten-point requirement is inferred from this state provision."],["S_AZ-P08-C034","CSO providing cancellation documents and copies","Attach an easily detachable, completed cancellation notice in duplicate, at least ten-point type and in the contract’s language. Give the completed contract and required signed documents when signed.","S001, § 44-1706(B)–(C), same URL. Actual language, placement, completion, and delivery held."],["S_AZ-P08-C035","Buyer invoking Arizona ordinary cancellation","Signature-adjacent text refers to midnight of the third day after the transaction date; the attached notice refers to three days from contract signing. Neither says “business” days.","S001, § 44-1706(A)(1), (B), same URL. Different transaction/signing dates and endpoint harmonization remain unresolved."],["S_AZ-P08-C036","CSO receiving a qualifying cancellation notice","Required notice states that any payment under the contract will be returned within 15 days after the CSO receives cancellation.","S001, § 44-1706(B), same URL. This is a receipt-triggered state refund provision, not a general federal fifteen-day rule."],["S_AZ-P08-C037","Buyer using the prescribed cancellation route","Notice provides for mailing or delivering a signed, dated notice, or other written notice, to the CSO’s address before the specified date/time. Sending and receipt are separate events; electronic substitution and disputed endpoint cases remain held.","S001, § 44-1706(B), same URL. No invented requirement that mailing and receipt occur simultaneously."],["S_AZ-P08-C038","CSO breaching an obligation or contract","Breach of a contract or obligation under the article is itself an article violation.","S001, § 44-1707, https://www.azleg.gov/ars/44/01707.htm. Remedy still depends on its separate predicates."],["S_AZ-P08-C039","Person obtaining a buyer waiver","Waiver is void; attempting to obtain it violates the article.","S001, § 44-1709(A), https://www.azleg.gov/ars/44/01709.htm. Do not confuse this with a universal arbitration prohibition."],["S_AZ-P08-C040","Buyer injured by a violation or contract breach","Buyer may sue; actual damages have a floor of the amount paid the CSO, with reasonable attorney fees/costs, and punitive damages if the court considers them proper.","S001, § 44-1711, https://www.azleg.gov/ars/44/01711.htm. Injury, liability, proof, and judicial determination are necessary; no automatic award."],["S_AZ-P08-C041","Violator or public enforcer","Specified violations of §§ 44-1703–1706 and 44-1709(A) are class 1 misdemeanors; superior-court injunctive authority and AG/county/city enforcement are specified. Mere seller contract breach is expressly outside that misdemeanor provision.","S001, § 44-1710(A)–(E), https://www.azleg.gov/ars/44/01710.htm. Full criminal/enforcement procedure deferred."],["S_AZ-P08-C042","AG pursuing independently established consumer fraud","A willful § 44-1522 violation can support a court-imposed civil penalty of up to $10,000 per violation for the state. A CSO violation is not automatically every required CFA predicate.","S001, §§ 44-1521, 44-1522(A), 44-1531(A)–(B), https://www.azleg.gov/ars/44/01521.htm, https://www.azleg.gov/ars/44/01522.htm, https://www.azleg.gov/ars/44/01531.htm. No consumer entitlement to that public penalty."]]},{"headers":["Claim ID","Actor and predicate","Federal result","Primary evidence and limits"],"index":4,"links":[{"href":"https://uscode.house.gov/us/usc/119-118/t15/s1679a/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-118/t15/s1679a/"},{"href":"https://uscode.house.gov/us/usc/119-118/t15/s1602/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-118/t15/s1602/"},{"href":"https://uscode.house.gov/us/usc/119-118/t12/s1813/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-118/t12/s1813/"},{"href":"https://www.govinfo.gov/content/pkg/COMPS-264/pdf/COMPS-264.pdf?utm_source=chatgpt.com","text":"https://www.govinfo.gov/content/pkg/COMPS-264/pdf/COMPS-264.pdf"},{"href":"https://law.justia.com/cases/federal/appellate-courts/F3/265/944/632739/?utm_source=chatgpt.com","text":"https://law.justia.com/cases/federal/appellate-courts/F3/265/944/632739/"},{"href":"https://uscode.house.gov/us/usc/119-118/t26/s501/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-118/t26/s501/"}],"row_links":[[],[{"href":"https://uscode.house.gov/us/usc/119-118/t15/s1679a/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-118/t15/s1679a/"}],[{"href":"https://uscode.house.gov/us/usc/119-118/t15/s1602/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-118/t15/s1602/"}],[],[],[{"href":"https://uscode.house.gov/us/usc/119-118/t12/s1813/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-118/t12/s1813/"},{"href":"https://www.govinfo.gov/content/pkg/COMPS-264/pdf/COMPS-264.pdf?utm_source=chatgpt.com","text":"https://www.govinfo.gov/content/pkg/COMPS-264/pdf/COMPS-264.pdf"}],[{"href":"https://law.justia.com/cases/federal/appellate-courts/F3/265/944/632739/?utm_source=chatgpt.com","text":"https://law.justia.com/cases/federal/appellate-courts/F3/265/944/632739/"}],[{"href":"https://uscode.house.gov/us/usc/119-118/t26/s501/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-118/t26/s501/"}],[]],"rows":[["Claim ID","Actor and predicate","Federal result","Primary evidence and limits"],["S_AZ-P08-C043","Person using interstate instrumentalities or mails, for money/valuable consideration, with an express or implied credit-improvement purpose","CROA includes providing or representing credit-record/history/rating improvement, or advice/assistance about it. A consumer is an individual.","S016, 15 U.S.C. § 1679a(1), (3)(A), https://uscode.house.gov/us/usc/119-118/t15/s1679a/. Read body currency October 7."],["S_AZ-P08-C044","Individual or mixed/business-purpose arrangement","Section 1679a(2) defines consumer credit transactions as PFH; § 1679a(3)’s organization definition does not expressly use that defined phrase. Do not automatically import Arizona’s purpose limitation into every CROA case. Its printed § 1602(e) credit reference was redesignated § 1602(f), as the OLRC note explains.","S016, § 1679a(2)–(4), editorial reference note; S020, § 1602(f), https://uscode.house.gov/us/usc/119-118/t15/s1602/. Mixed-purpose application held."],["S_AZ-P08-C045","Nonprofit claiming CROA exclusion","Must be nonprofit and tax-exempt under § 501(c)(3). A nonprofit label or § 501(c)(4) alone does not meet this wording.","S016, § 1679a(3)(B)(i), definition URL above; S019, § 501(c)(3), (q). Actual status held."],["S_AZ-P08-C046","Creditor restructuring a consumer’s debt","Exclusion is limited to a creditor within § 1602’s definition, to the extent it assists restructuring debt owed by that consumer to that creditor. Not every assignee or unrelated repair vendor satisfies that test.","S016, § 1679a(3)(B)(ii); S020, § 1602(g), URLs above. Regular-credit/initial-payee and special statutory branches require facts."],["S_AZ-P08-C047","Depository institution, federal/state credit union, affiliate or subsidiary","CROA excludes the specified institutions and their affiliates/subsidiaries. The incorporated bank/CU definitions were read to the extent identified in S021–S022; actual charter, control, and affiliate construction remain held.","S016, § 1679a(3)(B)(iii); S021, https://uscode.house.gov/us/usc/119-118/t12/s1813/; S022, § 101, pp. 1–2, https://www.govinfo.gov/content/pkg/COMPS-264/pdf/COMPS-264.pdf."],["S_AZ-P08-C048","Attorney, employee, or professional invoking an Arizona exclusion","CROA supplies no general attorney or employee exclusion in § 1679a(3)(B). An Arizona professional exclusion therefore does not end the federal inquiry.","S016, § 1679a(3)(B); S031, Gill, Discussion A, https://law.justia.com/cases/federal/appellate-courts/F3/265/944/632739/."],["S_AZ-P08-C049","Organization whose substantial purpose includes credit counseling and which relies on qualifying tax exemption","Section 501(q) requires tailored counseling, restricts lending/loan negotiation, permits repair only incidentally, prohibits a separately stated repair fee, and imposes inability-to-pay/fee-policy conditions.","S019, § 501(q)(1)(A)–(C), (4), https://uscode.house.gov/us/usc/119-118/t26/s501/. These are tax-status conditions, not a new repair fee authorization."],["S_AZ-P08-C050","Same organization","Additional conditions include public-interest board control; specified 20%/49% voting limits; a 35% ownership restriction in listed nonexempt businesses; referral-compensation restrictions; and, for § 501(c)(3), contribution-solicitation restrictions and generally a 50% creditor-DMP revenue ceiling. Historical 80/70/60% transitions are not current general ceilings.","S019, § 501(q)(1)(D)–(F), (2)–(3), same URL. Exact exceptions in the read clauses matter; no actual tax-status decision."]]},{"headers":["Claim ID","Actor and predicate","Required act, clock, or consequence","Primary evidence and limits"],"index":5,"links":[{"href":"https://uscode.house.gov/us/usc/119-118/t15/s1679b/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-118/t15/s1679b/"},{"href":"https://uscode.house.gov/us/usc/119-118/t15/s1679c/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-118/t15/s1679c/"},{"href":"https://uscode.house.gov/us/usc/119-118/t15/s1679d/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-118/t15/s1679d/"},{"href":"https://uscode.house.gov/us/usc/119-118/t15/s1679e/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-118/t15/s1679e/"},{"href":"https://uscode.house.gov/us/usc/119-118/t15/s1679f/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-118/t15/s1679f/"},{"href":"https://uscode.house.gov/us/usc/119-118/t15/s1679g/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-118/t15/s1679g/"},{"href":"https://uscode.house.gov/us/usc/119-118/t15/s1679h/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-118/t15/s1679h/"},{"href":"https://uscode.house.gov/us/usc/119-118/t15/s1679j/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-118/t15/s1679j/"},{"href":"https://uscode.house.gov/us/usc/119-134/t15/s1679j/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-134/t15/s1679j/"}],"row_links":[[],[{"href":"https://uscode.house.gov/us/usc/119-118/t15/s1679b/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-118/t15/s1679b/"}],[],[{"href":"https://uscode.house.gov/us/usc/119-118/t15/s1679c/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-118/t15/s1679c/"}],[],[{"href":"https://uscode.house.gov/us/usc/119-118/t15/s1679d/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-118/t15/s1679d/"}],[],[{"href":"https://uscode.house.gov/us/usc/119-118/t15/s1679e/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-118/t15/s1679e/"}],[],[{"href":"https://uscode.house.gov/us/usc/119-118/t15/s1679f/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-118/t15/s1679f/"}],[],[{"href":"https://uscode.house.gov/us/usc/119-118/t15/s1679g/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-118/t15/s1679g/"}],[{"href":"https://uscode.house.gov/us/usc/119-118/t15/s1679h/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-118/t15/s1679h/"}],[{"href":"https://uscode.house.gov/us/usc/119-118/t15/s1679j/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-118/t15/s1679j/"},{"href":"https://uscode.house.gov/us/usc/119-134/t15/s1679j/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-134/t15/s1679j/"}]],"rows":[["Claim ID","Actor and predicate","Required act, clock, or consequence","Primary evidence and limits"],["S_AZ-P08-C051","Person engaging in the conduct specified by CROA","Section 1679b(a) prohibits specified false credit statements, identity alteration to conceal accurate nonobsolete adverse information, service misrepresentations, and fraud/deception. Its opening formulation is “No person,” not simply a state-license rule.","S016, § 1679b(a)(1)–(4), https://uscode.house.gov/us/usc/119-118/t15/s1679b/. Actual reporting/identity facts held."],["S_AZ-P08-C052","Covered CRO charging for an agreed service","It may not charge or receive consideration for an agreed service before that service is fully performed. CROA contains no Arizona-bond exception.","S016, § 1679b(b), same URL; S031, Gill, Discussion A. Artificially calling initial work a completed package does not establish completion of all promises."],["S_AZ-P08-C053","CRO before entering a consumer contract","Give the prescribed written consumer-rights statement before the contract, in a document separate from other written material. It covers reporting/dispute rights, limits on removing accurate adverse information, cancellation, and legal rights.","S016, § 1679c(a)–(b), https://uscode.house.gov/us/usc/119-118/t15/s1679c/. The notice is not an exhaustive modern FCRA treatise."],["S_AZ-P08-C054","CRO retaining receipt evidence","Retain the consumer-signed acknowledgment for two years from signature.","S016, § 1679c(c), same URL. Distinct from other record-retention duties."],["S_AZ-P08-C055","CRO entering a services agreement","Written, dated, consumer-signed contract must contain total payments to it/others, detailed services, guarantees, estimated completion date/duration, name/address, and the prescribed bold signature-adjacent cancellation statement.","S016, § 1679d(a)(1), (b), https://uscode.house.gov/us/usc/119-118/t15/s1679d/. Completion is not established by the estimate."],["S_AZ-P08-C056","CRO starting services","No services before the end of the three-business-day period beginning on the contract-signing date. This is separately worded from the cancellation right’s “begins after” formulation.","S016, § 1679d(a)(2), same URL. Exact boundary-day harmonization held; models avoid it."],["S_AZ-P08-C057","Consumer cancelling covered agreement","Operative right permits cancellation without penalty/obligation before midnight of the third business day beginning after execution or the date it otherwise would become enforceable.","S016, § 1679e(a), https://uscode.house.gov/us/usc/119-118/t15/s1679e/. No imported other-statute business-day definition."],["S_AZ-P08-C058","CRO delivering cancellation form and signed documents","Duplicate bold cancellation form uses “3rd day”, omitting “business”; it specifies mail/delivery of signed, dated written notice. Completed contract, disclosure, and other required signed documents are supplied when signed.","S016, § 1679e(b)–(c), same URL; S018, original § 407, 110 Stat. 3009-459, PDF index 459. Discrepancy remains explicit; no general fifteen-day federal refund clock was found here."],["S_AZ-P08-C059","Person obtaining a CROA waiver","Waiver is void and unenforceable; attempting to obtain it violates CROA.","S016, § 1679f(a)–(b), https://uscode.house.gov/us/usc/119-118/t15/s1679f/. Arbitration distinction in C079."],["S_AZ-P08-C060","Noncompliant services contract","Contract failing applicable CROA provisions is void and may not be enforced by federal/state courts or another person.","S016, § 1679f(c), same URL. Actual defect and applicable provisions must be established."],["S_AZ-P08-C061","Person with a successful CROA liability claim","Statutory damages measure is the greater of actual damage or amount paid to the CRO; punitive damages are discretionary, with reasonable fees/costs for successful enforcement.","S016, § 1679g(a)–(b), https://uscode.house.gov/us/usc/119-118/t15/s1679g/. Not an automatic payment or an instruction to add both alternatives."],["S_AZ-P08-C062","FTC or authorized state enforcer","CROA specifies FTC enforcement, including its special jurisdiction provision, and state enforcement subject to statutory notice/intervention and parallel-action restrictions.","S016, § 1679h(a)–(c), https://uscode.house.gov/us/usc/119-118/t15/s1679h/. Full remedial procedure and available monetary mechanisms deferred."],["S_AZ-P08-C063","Actor subject to both state and federal law","CROA preserves state law except to the extent of inconsistency. An Arizona bond condition cannot remove an applicable federal prohibition.","S016, § 1679j, https://uscode.house.gov/us/usc/119-118/t15/s1679j/; newer body also read at https://uscode.house.gov/us/usc/119-134/t15/s1679j/."]]},{"headers":["Claim ID","Actor and predicate","Rule or consequence","Primary evidence and limits"],"index":6,"links":[{"href":"https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310?utm_source=chatgpt.com","text":"https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310"},{"href":"https://uscode.house.gov/us/usc/119-118/t15/s6105/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-118/t15/s6105/"},{"href":"https://www.ftc.gov/business-guidance/resources/complying-telemarketing-sales-rule?utm_source=chatgpt.com","text":"https://www.ftc.gov/business-guidance/resources/complying-telemarketing-sales-rule"},{"href":"https://www.govinfo.gov/content/pkg/FR-2024-12-10/pdf/2024-28399.pdf?utm_source=chatgpt.com","text":"https://www.govinfo.gov/content/pkg/FR-2024-12-10/pdf/2024-28399.pdf"},{"href":"https://www.govinfo.gov/content/pkg/FR-1995-08-23/pdf/95-20655.pdf?utm_source=chatgpt.com","text":"https://www.govinfo.gov/content/pkg/FR-1995-08-23/pdf/95-20655.pdf"},{"href":"https://uscode.house.gov/us/usc/119-118/t15/s1681a/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-118/t15/s1681a/"},{"href":"https://uscode.house.gov/us/usc/119-118/t15/s1681b/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-118/t15/s1681b/"},{"href":"https://www.govinfo.gov/content/pkg/FR-2024-04-16/pdf/2024-07180.pdf?utm_source=chatgpt.com","text":"https://www.govinfo.gov/content/pkg/FR-2024-04-16/pdf/2024-07180.pdf"}],"row_links":[[],[{"href":"https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310?utm_source=chatgpt.com","text":"https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310"}],[{"href":"https://uscode.house.gov/us/usc/119-118/t15/s6105/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-118/t15/s6105/"},{"href":"https://www.ftc.gov/business-guidance/resources/complying-telemarketing-sales-rule?utm_source=chatgpt.com","text":"https://www.ftc.gov/business-guidance/resources/complying-telemarketing-sales-rule"}],[{"href":"https://www.govinfo.gov/content/pkg/FR-2024-12-10/pdf/2024-28399.pdf?utm_source=chatgpt.com","text":"https://www.govinfo.gov/content/pkg/FR-2024-12-10/pdf/2024-28399.pdf"}],[],[{"href":"https://www.govinfo.gov/content/pkg/FR-1995-08-23/pdf/95-20655.pdf?utm_source=chatgpt.com","text":"https://www.govinfo.gov/content/pkg/FR-1995-08-23/pdf/95-20655.pdf"}],[],[],[{"href":"https://uscode.house.gov/us/usc/119-118/t15/s1681a/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-118/t15/s1681a/"},{"href":"https://uscode.house.gov/us/usc/119-118/t15/s1681b/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-118/t15/s1681b/"}],[],[],[],[],[{"href":"https://www.govinfo.gov/content/pkg/FR-2024-04-16/pdf/2024-07180.pdf?utm_source=chatgpt.com","text":"https://www.govinfo.gov/content/pkg/FR-2024-04-16/pdf/2024-07180.pdf"}]],"rows":[["Claim ID","Actor and predicate","Rule or consequence","Primary evidence and limits"],["S_AZ-P08-C064","Seller/telemarketer in a plan, program, or campaign inducing purchases by telephone","The definition requires a campaign involving more than one interstate telephone call. The count concerns the campaign, not a requirement that each consumer receive multiple calls. Seller, telemarketer, customer, credit, and upsell definitions matter separately.","S025, 16 C.F.R. §§ 310.1, 310.2(j), (n), (ee), (hh)–(jj), https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310."],["S_AZ-P08-C065","Institution, nonprofit, or contractor invoking a TSR jurisdiction exemption","FTC Act jurisdiction and statutory sector exceptions must be tested; a tax label is not the complete analysis. A for-profit telemarketer does not automatically inherit a bank/nonprofit client’s exclusion.","S024, 15 U.S.C. §§ 44, 45(a)(2), 6102(d)–(e), 6105, https://uscode.house.gov/us/usc/119-118/t15/s6105/; S029, https://www.ftc.gov/business-guidance/resources/complying-telemarketing-sales-rule. Deeper sector crossreferences held."],["S_AZ-P08-C066","Consumer calling in response to advertising/direct mail","Credit-repair calls described in § 310.4(a)(2) are excluded from the ordinary general-advertising and qualifying-direct-mail inbound exemptions. Truly unsolicited calls under § 310.6(b)(4) are a different branch; upsells are separately treated.","S025, § 310.6(b)(4)–(6), same eCFR URL; S028, 89 FR 99075, PDF index 6, https://www.govinfo.gov/content/pkg/FR-2024-12-10/pdf/2024-28399.pdf."],["S_AZ-P08-C067","Seller claiming face-to-face exemption","The specified exemption requires sale and payment/authorization only after the qualifying face-to-face presentation. It preserves enumerated provisions; it is not blanket immunity for any business that sometimes meets customers.","S025, § 310.6(b)(3), same eCFR URL. Actual sequence and presentation held."],["S_AZ-P08-C068","Covered seller/telemarketer promising credit-history/record/rating improvement","No request or receipt of payment until both represented performance time has expired and the required CRA report demonstrating promised results has been provided.","S025, § 310.4(a)(2)(i)–(ii), same URL; S026, 60 FR 43853–43854 and 43866, https://www.govinfo.gov/content/pkg/FR-1995-08-23/pdf/95-20655.pdf."],["S_AZ-P08-C069","Same seller relying on a results report","Report must have been issued more than six months after results were achieved. Report provision and timeframe expiry each precede payment; the rule prescribes no order between those two events. Six months is not rewritten as 180 days. Holding an early-issued report does not cure its issuance date.","S025, § 310.4(a)(2)(ii); S026, 60 FR 43853–43854, URLs above. High-text plus direct temporal application."],["S_AZ-P08-C070","Seller making inconsistent oral/written timeframe representations","The final-rule explanation uses the longest represented timeframe where representations differ.","S026, 60 FR 43853 n.117, PDF index 11, original-rule URL above; S029, credit-repair discussion. Final agency explanation, not a newly invented averaging rule."],["S_AZ-P08-C071","Seller obtaining/providing the required report","It must be a CRA consumer report demonstrating promised results; the rule preserves permissible-purpose requirements. Written consumer instructions are one statutory permissible-purpose route, with further FCRA requirements still applicable.","S025, § 310.4(a)(2)(ii); S023, 15 U.S.C. §§ 1681a(d), (f), 1681b(a)(2), (f), https://uscode.house.gov/us/usc/119-118/t15/s1681a/, https://uscode.house.gov/us/usc/119-118/t15/s1681b/. Section 1681e’s full body not read."],["S_AZ-P08-C072","Telemarketer guaranteeing/highly assuring a loan or credit extension","The distinct advance-fee loan restriction requires the customer first to obtain the represented loan/extension. It is not a substitute for the credit-repair test if both apply.","S025, § 310.4(a)(4), eCFR URL above. Coverage and representations conditional."],["S_AZ-P08-C073","Mixed repair/debt-relief program","The debt-relief account/payment provision in § 310.4(a)(5) does not supply an account or fee exception to § 310.4(a)(2)’s credit-repair prohibition.","S025, §§ 310.2(o), 310.4(a)(2), (5), same URL. Debt-relief body read for this distinction; full debt-relief regime deferred."],["S_AZ-P08-C074","Attorney invoking an exception in another paragraph","Section 310.4(a)(3)’s attorney provision concerns specified recovery services; it is not a general attorney exception to credit-repair paragraph (a)(2).","S025, § 310.4(a)(2)–(3), same URL. No professional-label shortcut."],["S_AZ-P08-C075","Covered seller before consent to pay","Truthfully disclose material costs, restrictions and applicable refund/cancellation terms; do not misrepresent service efficacy, refund terms, costs or affiliation. A stated “no refund” policy cannot negate another applicable statutory cancellation right.","S025, § 310.3(a)(1)(i)–(iii), (2)(i)–(iv), (vii), same URL. Other payment/marketing laws remain separate."],["S_AZ-P08-C076","Covered seller/telemarketer keeping specified records","Current § 310.5 uses five-year retention for the specified records, with particular triggers, including last use for advertising/scripts. It is not a universal statement that every document has the same starting date.","S025, § 310.5(a)–(g); S027, 89 FR 26783–26786, https://www.govinfo.gov/content/pkg/FR-2024-04-16/pdf/2024-07180.pdf."]]},{"headers":["Claim ID","Predicate","Conclusion supported by the reading","Evidence and limit"],"index":7,"links":[{"href":"https://cdn.ca9.uscourts.gov/datastore/opinions/2014/02/21/10-56887.pdf?utm_source=chatgpt.com","text":"https://cdn.ca9.uscourts.gov/datastore/opinions/2014/02/21/10-56887.pdf"},{"href":"https://law.justia.com/cases/federal/appellate-courts/F3/265/944/632739/?utm_source=chatgpt.com","text":"https://law.justia.com/cases/federal/appellate-courts/F3/265/944/632739/"},{"href":"https://www.govinfo.gov/content/pkg/USREPORTS-565/pdf/USREPORTS-565-95.pdf?utm_source=chatgpt.com","text":"https://www.govinfo.gov/content/pkg/USREPORTS-565/pdf/USREPORTS-565-95.pdf"},{"href":"https://www.supremecourt.gov/opinions/20pdf/19-508_l6gn.pdf?utm_source=chatgpt.com","text":"https://www.supremecourt.gov/opinions/20pdf/19-508_l6gn.pdf"},{"href":"https://www.azleg.gov/const/4/1.p1.htm?utm_source=chatgpt.com","text":"https://www.azleg.gov/const/4/1.p1.htm"},{"href":"https://www.azleg.gov/ars/1/00244.htm?utm_source=chatgpt.com","text":"https://www.azleg.gov/ars/1/00244.htm"},{"href":"https://www.govinfo.gov/content/pkg/PLAW-104publ208/pdf/PLAW-104publ208.pdf?utm_source=chatgpt.com","text":"https://www.govinfo.gov/content/pkg/PLAW-104publ208/pdf/PLAW-104publ208.pdf"},{"href":"https://www.azleg.gov/ars/1/00243.htm?utm_source=chatgpt.com","text":"https://www.azleg.gov/ars/1/00243.htm"},{"href":"https://www.azleg.gov/ars/1/00301.htm?utm_source=chatgpt.com","text":"https://www.azleg.gov/ars/1/00301.htm"},{"href":"https://www.azleg.gov/ars/1/00303.htm?utm_source=chatgpt.com","text":"https://www.azleg.gov/ars/1/00303.htm"},{"href":"https://www.azag.gov/consumer/tips/credit-reporting-credit-repair?utm_source=chatgpt.com","text":"https://www.azag.gov/consumer/tips/credit-reporting-credit-repair"},{"href":"https://www.azleg.gov/ars/44/01694.htm?utm_source=chatgpt.com","text":"https://www.azleg.gov/ars/44/01694.htm"}],"row_links":[[],[{"href":"https://cdn.ca9.uscourts.gov/datastore/opinions/2014/02/21/10-56887.pdf?utm_source=chatgpt.com","text":"https://cdn.ca9.uscourts.gov/datastore/opinions/2014/02/21/10-56887.pdf"}],[{"href":"https://law.justia.com/cases/federal/appellate-courts/F3/265/944/632739/?utm_source=chatgpt.com","text":"https://law.justia.com/cases/federal/appellate-courts/F3/265/944/632739/"}],[{"href":"https://www.govinfo.gov/content/pkg/USREPORTS-565/pdf/USREPORTS-565-95.pdf?utm_source=chatgpt.com","text":"https://www.govinfo.gov/content/pkg/USREPORTS-565/pdf/USREPORTS-565-95.pdf"}],[{"href":"https://www.supremecourt.gov/opinions/20pdf/19-508_l6gn.pdf?utm_source=chatgpt.com","text":"https://www.supremecourt.gov/opinions/20pdf/19-508_l6gn.pdf"}],[],[{"href":"https://www.azleg.gov/const/4/1.p1.htm?utm_source=chatgpt.com","text":"https://www.azleg.gov/const/4/1.p1.htm"},{"href":"https://www.azleg.gov/ars/1/00244.htm?utm_source=chatgpt.com","text":"https://www.azleg.gov/ars/1/00244.htm"}],[],[{"href":"https://www.govinfo.gov/content/pkg/PLAW-104publ208/pdf/PLAW-104publ208.pdf?utm_source=chatgpt.com","text":"https://www.govinfo.gov/content/pkg/PLAW-104publ208/pdf/PLAW-104publ208.pdf"}],[],[{"href":"https://www.azleg.gov/ars/1/00243.htm?utm_source=chatgpt.com","text":"https://www.azleg.gov/ars/1/00243.htm"},{"href":"https://www.azleg.gov/ars/1/00301.htm?utm_source=chatgpt.com","text":"https://www.azleg.gov/ars/1/00301.htm"},{"href":"https://www.azleg.gov/ars/1/00303.htm?utm_source=chatgpt.com","text":"https://www.azleg.gov/ars/1/00303.htm"}],[{"href":"https://www.azag.gov/consumer/tips/credit-reporting-credit-repair?utm_source=chatgpt.com","text":"https://www.azag.gov/consumer/tips/credit-reporting-credit-repair"}],[{"href":"https://www.azleg.gov/ars/44/01694.htm?utm_source=chatgpt.com","text":"https://www.azleg.gov/ars/44/01694.htm"}],[]],"rows":[["Claim ID","Predicate","Conclusion supported by the reading","Evidence and limit"],["S_AZ-P08-C077","Monitoring service marketed with express/implied improvement representations","Stout reversed dismissal of a CROA claim; actual marketing could satisfy the definition despite the monitoring label and disclaimer. It did not finally adjudicate all alleged violations.","S030, pp. 12–19, https://cdn.ca9.uscourts.gov/datastore/opinions/2014/02/21/10-56887.pdf."],["S_AZ-P08-C078","Attorney-associated repair operation accepting deposits after preliminary work","Gill affirmed liability findings; consultation/some work did not make the remaining promised services fully performed. Attorney and independent-contractor descriptions did not eliminate the conduct actually proved.","S031, Discussion A, final paragraphs, https://law.justia.com/cases/federal/appellate-courts/F3/265/944/632739/. Historical monetary-remedy reasoning separately limited by C080."],["S_AZ-P08-C079","CROA claimant opposing arbitration solely through CROA’s right-to-sue/nonwaiver language","CompuCredit held those provisions do not categorically bar arbitration under the FAA. The Court did not decide the defendants’ CRO status in that case.","S032, 565 U.S. 95, 98 n.1, 100–105, PDF indices 3, 5–10, https://www.govinfo.gov/content/pkg/USREPORTS-565/pdf/USREPORTS-565-95.pdf. Full arbitration analysis deferred."],["S_AZ-P08-C080","Reliance on older FTC § 13(b) monetary-remedy cases","AMG held § 13(b)’s permanent-injunction language does not authorize equitable monetary relief. Therefore this report does not reuse Gill as current authority for that monetary route.","S033, slip pp. 6–10, 15; PDF indices 8–12, 17, https://www.supremecourt.gov/opinions/20pdf/19-508_l6gn.pdf. Post-AMG current § 53 body was not recovered."],["S_AZ-P08-C081","Arizona posted compilation and recent amendment checking","Relevant 2023–2026 affected-statute table ranges contained no entries for §§ 44-1701–1712. The compilation’s own updating disclaimer remains material. These indexes are bounded checking evidence, not independently read enactments amending nothing.","S001, S004–S008, URLs in source register; relevant printed/PDF pages specified there."],["S_AZ-P08-C082","Original Arizona CSO commencement and complete historical chain","Sgrillo identifies Laws 1988, ch. 350, § 1; the original act was not recovered. General constitutional effectiveness and nonretroactivity rules do not justify inventing its exact commencement or transition.","S009 failed routes; S003, Ariz. Const. art. IV, pt. 1, § 1(3), https://www.azleg.gov/const/4/1.p1.htm; S002, § 1-244, https://www.azleg.gov/ars/1/00244.htm. Held."],["S_AZ-P08-C083","CROA currency at access","Complete OLRC §§ 1679–1679j were read with a header through PL 119-120, October 7, 2026, although URLs contain 119-118. A newer October 20 § 1679j body and partial § 1679e were read; complete October 8–27 updating remains unverified.","S016, full URL map and failure log below. No complete October 20/27 codification claim."],["S_AZ-P08-C084","CROA original commencement/old contracts","Original § 413 applies after the six-month period beginning September 30, 1996, with the stated pre-end-of-period contract exception. Gill describes the effective date as April 1, 1997.","S018, § 2451 inserting § 413, 110 Stat. 3009-462, PDF index 462, https://www.govinfo.gov/content/pkg/PLAW-104publ208/pdf/PLAW-104publ208.pdf; S031. No 180-day conversion."],["S_AZ-P08-C085","TSR version/effective dates","Read original final rule: published August 23, 1995, effective December 31, 1995. April 2024 final: effective May 16, 2024, with § 310.5(a)(2) compliance October 15, 2024. December 2024 final: effective January 9, 2025.","S026–S028, header and operative pages in register. eCFR’s Title 16 “last amended October 19, 2026” is not asserted as Part 310’s effective date."],["S_AZ-P08-C086","Arizona statutory time computation","General rules exclude the first day, include the last unless a holiday, identify legal holidays, and address performance when the last day is a holiday. They do not themselves erase CSO wording differences or establish a federal business-day definition.","S002, §§ 1-243, 1-301, 1-303, https://www.azleg.gov/ars/1/00243.htm, https://www.azleg.gov/ars/1/00301.htm, https://www.azleg.gov/ars/1/00303.htm."],["S_AZ-P08-C087","Reader relying on AG’s “three business days” guidance","That guidance may describe federal protection, but it does not amend Arizona § 44-1706’s “days” wording or provide a published harmonization of every endpoint.","S014, https://www.azag.gov/consumer/tips/credit-reporting-credit-repair; S001, § 44-1706."],["S_AZ-P08-C088","Reader relying on AG guidance about a dispute statement fee","The guide’s suggestion of a possible charge conflicts with § 44-1694(D)(2)’s no-charge language. This report follows the statute for that Arizona right.","S014, same guide; S001, https://www.azleg.gov/ars/44/01694.htm, subsection (D)(2)."],["S_AZ-P08-C089","Person seeking a general consumer price ceiling","No numeric general CSO/CROA service-price ceiling was found in the read provisions. The bond’s $5,000–$25,000 bounds are security bounds, not allowable customer charges. This is not unlimited-price or fee-earning permission.","S001, §§ 44-1703, 44-1706, 44-1708; S016, §§ 1679b, 1679d; S025, § 310.4(a)(2). Other applicable price/contract laws and facts remain held."]]},{"headers":["Decision; source","Material facts and posture","Majority holding/order used","Limits and later treatment"],"index":8,"links":[],"row_links":[[],[],[],[],[],[]],"rows":[["Decision; source","Material facts and posture","Majority holding/order used","Limits and later treatment"],["State ex rel. Woods v. Sgrillo, 176 Ariz. 148, 859 P.2d 771 (App. 1993), August 26, 1993 — S015","Arizona credit-card-information business; cross-motions for summary judgment. The opinion describes the CSO violation as conceded except for the nonresident-buyer argument.","At p. 149, rejected the claimed immunity for Arizona conduct affecting nonresident purchasers; affirmed the CSO portion and reversed/remanded the relevant CFA partial-summary-judgment disposition.","Does not decide that every concession is credit, or reverse-direction remote nexus. Complete majority read from Justia reproduction; official-body discovery did not succeed."],["Stout v. FreeScore, No. 10-56887, Ninth Circuit, February 21, 2014 — S030","Paid monitoring marketed through website/television claims; Rule 12(b)(6) dismissal.","Slip pp. 12–18, PDF indices 11–17: express/implied improvement representations supported CROA classification despite a disclaimer. Pp. 18–19: reversed and remanded; remaining allegations left to the district court.","All 19 official PDF pages read. Does not hold all neutral monitoring is repair or finally establish every violation."],["FTC v. Gill, 265 F.3d 944 (9th Cir. 2001), September 12, 2001 — S031","FTC summary judgment concerning a repair operation, attorney participation, advertising, agents, and deposits after preliminary work.","Discussion A, especially the final paragraphs addressing advance fees: preliminary work did not complete promised services; affirmed liability findings.","Complete majority read from Justia reproduction. Internal reporter page breaks are absent, so none are invented. AMG materially limits reliance on its older § 13(b) monetary-remedy reasoning."],["CompuCredit Corp. v. Greenwood, 565 U.S. 95 (2012), January 10, 2012 — S032","CROA allegations involving a credit-card program; denial of arbitration, affirmed below.","Pp. 100–105: CROA does not preclude FAA enforcement of the arbitration agreement on the asserted statutory ground; reversed/remanded. P. 98 n.1: actor classification not decided.","Majority pp. 96–105 fully read. Separate concurrence/dissent not fully read and not used as holdings. No actual arbitration-clause decision here."],["AMG Capital Management, LLC v. FTC, April 22, 2021 — S033","FTC deceptive-lending enforcement; § 13(b) monetary relief affirmed by Ninth Circuit.","Unanimous majority, slip pp. 6–10: § 13(b) does not authorize equitable monetary relief; p. 15 reversed/remanded.","Entire majority slip pp. 1–15 read. Other statutory remedies remain distinct; current § 53 retrieval failed, so later legislative currentness remains held."]]},{"headers":["Source ID","Issuer, title, and direct literal HTTPS URLs","Actual read scope, version, status, and limits"],"index":9,"links":[{"href":"https://www.azleg.gov/ars/44/01701.htm?utm_source=chatgpt.com","text":"https://www.azleg.gov/ars/44/01701.htm"},{"href":"https://www.azleg.gov/ars/44/01702.htm?utm_source=chatgpt.com","text":"https://www.azleg.gov/ars/44/01702.htm"},{"href":"https://www.azleg.gov/ars/44/01703.htm?utm_source=chatgpt.com","text":"https://www.azleg.gov/ars/44/01703.htm"},{"href":"https://www.azleg.gov/ars/44/01704.htm?utm_source=chatgpt.com","text":"https://www.azleg.gov/ars/44/01704.htm"},{"href":"https://www.azleg.gov/ars/44/01705.htm?utm_source=chatgpt.com","text":"https://www.azleg.gov/ars/44/01705.htm"},{"href":"https://www.azleg.gov/ars/44/01706.htm?utm_source=chatgpt.com","text":"https://www.azleg.gov/ars/44/01706.htm"},{"href":"https://www.azleg.gov/ars/44/01707.htm?utm_source=chatgpt.com","text":"https://www.azleg.gov/ars/44/01707.htm"},{"href":"https://www.azleg.gov/ars/44/01708.htm?utm_source=chatgpt.com","text":"https://www.azleg.gov/ars/44/01708.htm"},{"href":"https://www.azleg.gov/ars/44/01709.htm?utm_source=chatgpt.com","text":"https://www.azleg.gov/ars/44/01709.htm"},{"href":"https://www.azleg.gov/ars/44/01710.htm?utm_source=chatgpt.com","text":"https://www.azleg.gov/ars/44/01710.htm"},{"href":"https://www.azleg.gov/ars/44/01711.htm?utm_source=chatgpt.com","text":"https://www.azleg.gov/ars/44/01711.htm"},{"href":"https://www.azleg.gov/ars/44/01712.htm?utm_source=chatgpt.com","text":"https://www.azleg.gov/ars/44/01712.htm"},{"href":"https://www.azleg.gov/ars/44/01691.htm?utm_source=chatgpt.com","text":"https://www.azleg.gov/ars/44/01691.htm"},{"href":"https://www.azleg.gov/ars/44/01692.htm?utm_source=chatgpt.com","text":"https://www.azleg.gov/ars/44/01692.htm"},{"href":"https://www.azleg.gov/ars/44/01693.htm?utm_source=chatgpt.com","text":"https://www.azleg.gov/ars/44/01693.htm"},{"href":"https://www.azleg.gov/ars/44/01694.htm?utm_source=chatgpt.com","text":"https://www.azleg.gov/ars/44/01694.htm"},{"href":"https://www.azleg.gov/ars/44/01521.htm?utm_source=chatgpt.com","text":"https://www.azleg.gov/ars/44/01521.htm"},{"href":"https://www.azleg.gov/ars/44/01522.htm?utm_source=chatgpt.com","text":"https://www.azleg.gov/ars/44/01522.htm"},{"href":"https://www.azleg.gov/ars/44/01531.htm?utm_source=chatgpt.com","text":"https://www.azleg.gov/ars/44/01531.htm"},{"href":"https://www.azleg.gov/ars/44/01534.htm?utm_source=chatgpt.com","text":"https://www.azleg.gov/ars/44/01534.htm"},{"href":"https://www.azleg.gov/arsDetail/?chapter=12&title=44&utm_source=chatgpt.com","text":"https://www.azleg.gov/arsDetail/?chapter=12&title=44"},{"href":"https://www.azleg.gov/ars/1/00243.htm?utm_source=chatgpt.com","text":"https://www.azleg.gov/ars/1/00243.htm"},{"href":"https://www.azleg.gov/ars/1/00301.htm?utm_source=chatgpt.com","text":"https://www.azleg.gov/ars/1/00301.htm"},{"href":"https://www.azleg.gov/ars/1/00303.htm?utm_source=chatgpt.com","text":"https://www.azleg.gov/ars/1/00303.htm"},{"href":"https://www.azleg.gov/ars/1/00244.htm?utm_source=chatgpt.com","text":"https://www.azleg.gov/ars/1/00244.htm"},{"href":"https://www.azleg.gov/const/4/1.p1.htm?utm_source=chatgpt.com","text":"https://www.azleg.gov/const/4/1.p1.htm"},{"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_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_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_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/2026_Delayed_effective_dates.pdf?utm_source=chatgpt.com","text":"https://www.azleg.gov/alisPDFs/council/2026_Delayed_effective_dates.pdf"},{"href":"https://azmemory.azlibrary.gov/nodes/view/20911","text":"https://azmemory.azlibrary.gov/nodes/view/20911"},{"href":"https://www.azleg.gov/legtext/38leg/2r/laws/0350.htm","text":"https://www.azleg.gov/legtext/38leg/2r/laws/0350.htm"},{"href":"https://azmemory.azlibrary.gov/assets/displaypdf/193279?utm_source=chatgpt.com","text":"https://azmemory.azlibrary.gov/assets/displaypdf/193279"},{"href":"https://apps.azsos.gov/public_services/Title_14/14-01.pdf?utm_source=chatgpt.com","text":"https://apps.azsos.gov/public_services/Title_14/14-01.pdf"},{"href":"https://www.azcommerce.com/small-business/checklist-items/additional-business-occupations-and-activities/credit-repaircredit-services/?utm_source=chatgpt.com","text":"https://www.azcommerce.com/small-business/checklist-items/additional-business-occupations-and-activities/credit-repaircredit-services/"},{"href":"https://www.azcc.gov/corporations/forms?utm_source=chatgpt.com","text":"https://www.azcc.gov/corporations/forms"},{"href":"https://www.azcc.gov/corporations/forms/corporation-forms?utm_source=chatgpt.com","text":"https://www.azcc.gov/corporations/forms/corporation-forms"},{"href":"https://www.azcc.gov/docs/default-source/corps-files/forms/coversheet979408dc07e143058c2fb90887be701f.pdf?sfvrsn=5107f062_14&utm_source=chatgpt.com","text":"https://www.azcc.gov/docs/default-source/corps-files/forms/coversheet979408dc07e143058c2fb90887be701f.pdf?sfvrsn=5107f062_14"},{"href":"https://www.azag.gov/consumer/tips/credit-reporting-credit-repair?utm_source=chatgpt.com","text":"https://www.azag.gov/consumer/tips/credit-reporting-credit-repair"},{"href":"https://www.azag.gov/consumer/credit","text":"https://www.azag.gov/consumer/credit"},{"href":"https://law.justia.com/cases/arizona/court-of-appeals/1993/176-ariz-148.html?utm_source=chatgpt.com","text":"https://law.justia.com/cases/arizona/court-of-appeals/1993/176-ariz-148.html"}],"row_links":[[],[{"href":"https://www.azleg.gov/ars/44/01701.htm?utm_source=chatgpt.com","text":"https://www.azleg.gov/ars/44/01701.htm"},{"href":"https://www.azleg.gov/ars/44/01702.htm?utm_source=chatgpt.com","text":"https://www.azleg.gov/ars/44/01702.htm"},{"href":"https://www.azleg.gov/ars/44/01703.htm?utm_source=chatgpt.com","text":"https://www.azleg.gov/ars/44/01703.htm"},{"href":"https://www.azleg.gov/ars/44/01704.htm?utm_source=chatgpt.com","text":"https://www.azleg.gov/ars/44/01704.htm"},{"href":"https://www.azleg.gov/ars/44/01705.htm?utm_source=chatgpt.com","text":"https://www.azleg.gov/ars/44/01705.htm"},{"href":"https://www.azleg.gov/ars/44/01706.htm?utm_source=chatgpt.com","text":"https://www.azleg.gov/ars/44/01706.htm"},{"href":"https://www.azleg.gov/ars/44/01707.htm?utm_source=chatgpt.com","text":"https://www.azleg.gov/ars/44/01707.htm"},{"href":"https://www.azleg.gov/ars/44/01708.htm?utm_source=chatgpt.com","text":"https://www.azleg.gov/ars/44/01708.htm"},{"href":"https://www.azleg.gov/ars/44/01709.htm?utm_source=chatgpt.com","text":"https://www.azleg.gov/ars/44/01709.htm"},{"href":"https://www.azleg.gov/ars/44/01710.htm?utm_source=chatgpt.com","text":"https://www.azleg.gov/ars/44/01710.htm"},{"href":"https://www.azleg.gov/ars/44/01711.htm?utm_source=chatgpt.com","text":"https://www.azleg.gov/ars/44/01711.htm"},{"href":"https://www.azleg.gov/ars/44/01712.htm?utm_source=chatgpt.com","text":"https://www.azleg.gov/ars/44/01712.htm"},{"href":"https://www.azleg.gov/ars/44/01691.htm?utm_source=chatgpt.com","text":"https://www.azleg.gov/ars/44/01691.htm"},{"href":"https://www.azleg.gov/ars/44/01692.htm?utm_source=chatgpt.com","text":"https://www.azleg.gov/ars/44/01692.htm"},{"href":"https://www.azleg.gov/ars/44/01693.htm?utm_source=chatgpt.com","text":"https://www.azleg.gov/ars/44/01693.htm"},{"href":"https://www.azleg.gov/ars/44/01694.htm?utm_source=chatgpt.com","text":"https://www.azleg.gov/ars/44/01694.htm"},{"href":"https://www.azleg.gov/ars/44/01521.htm?utm_source=chatgpt.com","text":"https://www.azleg.gov/ars/44/01521.htm"},{"href":"https://www.azleg.gov/ars/44/01522.htm?utm_source=chatgpt.com","text":"https://www.azleg.gov/ars/44/01522.htm"},{"href":"https://www.azleg.gov/ars/44/01531.htm?utm_source=chatgpt.com","text":"https://www.azleg.gov/ars/44/01531.htm"},{"href":"https://www.azleg.gov/ars/44/01534.htm?utm_source=chatgpt.com","text":"https://www.azleg.gov/ars/44/01534.htm"},{"href":"https://www.azleg.gov/arsDetail/?chapter=12&title=44&utm_source=chatgpt.com","text":"https://www.azleg.gov/arsDetail/?chapter=12&title=44"}],[{"href":"https://www.azleg.gov/ars/1/00243.htm?utm_source=chatgpt.com","text":"https://www.azleg.gov/ars/1/00243.htm"},{"href":"https://www.azleg.gov/ars/1/00301.htm?utm_source=chatgpt.com","text":"https://www.azleg.gov/ars/1/00301.htm"},{"href":"https://www.azleg.gov/ars/1/00303.htm?utm_source=chatgpt.com","text":"https://www.azleg.gov/ars/1/00303.htm"},{"href":"https://www.azleg.gov/ars/1/00244.htm?utm_source=chatgpt.com","text":"https://www.azleg.gov/ars/1/00244.htm"}],[{"href":"https://www.azleg.gov/const/4/1.p1.htm?utm_source=chatgpt.com","text":"https://www.azleg.gov/const/4/1.p1.htm"}],[{"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_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_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_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/2026_Delayed_effective_dates.pdf?utm_source=chatgpt.com","text":"https://www.azleg.gov/alisPDFs/council/2026_Delayed_effective_dates.pdf"}],[{"href":"https://azmemory.azlibrary.gov/nodes/view/20911","text":"https://azmemory.azlibrary.gov/nodes/view/20911"},{"href":"https://www.azleg.gov/legtext/38leg/2r/laws/0350.htm","text":"https://www.azleg.gov/legtext/38leg/2r/laws/0350.htm"},{"href":"https://azmemory.azlibrary.gov/assets/displaypdf/193279?utm_source=chatgpt.com","text":"https://azmemory.azlibrary.gov/assets/displaypdf/193279"}],[{"href":"https://apps.azsos.gov/public_services/Title_14/14-01.pdf?utm_source=chatgpt.com","text":"https://apps.azsos.gov/public_services/Title_14/14-01.pdf"}],[{"href":"https://www.azcommerce.com/small-business/checklist-items/additional-business-occupations-and-activities/credit-repaircredit-services/?utm_source=chatgpt.com","text":"https://www.azcommerce.com/small-business/checklist-items/additional-business-occupations-and-activities/credit-repaircredit-services/"}],[{"href":"https://www.azcc.gov/corporations/forms?utm_source=chatgpt.com","text":"https://www.azcc.gov/corporations/forms"},{"href":"https://www.azcc.gov/corporations/forms/corporation-forms?utm_source=chatgpt.com","text":"https://www.azcc.gov/corporations/forms/corporation-forms"}],[{"href":"https://www.azcc.gov/docs/default-source/corps-files/forms/coversheet979408dc07e143058c2fb90887be701f.pdf?sfvrsn=5107f062_14&utm_source=chatgpt.com","text":"https://www.azcc.gov/docs/default-source/corps-files/forms/coversheet979408dc07e143058c2fb90887be701f.pdf?sfvrsn=5107f062_14"}],[{"href":"https://www.azag.gov/consumer/tips/credit-reporting-credit-repair?utm_source=chatgpt.com","text":"https://www.azag.gov/consumer/tips/credit-reporting-credit-repair"},{"href":"https://www.azag.gov/consumer/credit","text":"https://www.azag.gov/consumer/credit"}],[{"href":"https://law.justia.com/cases/arizona/court-of-appeals/1993/176-ariz-148.html?utm_source=chatgpt.com","text":"https://law.justia.com/cases/arizona/court-of-appeals/1993/176-ariz-148.html"}]],"rows":[["Source ID","Issuer, title, and direct literal HTTPS URLs","Actual read scope, version, status, and limits"],["S_AZ-P08-S001","Arizona Legislature, Arizona Revised Statutes, Title 44. CSO: https://www.azleg.gov/ars/44/01701.htm; https://www.azleg.gov/ars/44/01702.htm; https://www.azleg.gov/ars/44/01703.htm; https://www.azleg.gov/ars/44/01704.htm; https://www.azleg.gov/ars/44/01705.htm; https://www.azleg.gov/ars/44/01706.htm; https://www.azleg.gov/ars/44/01707.htm; https://www.azleg.gov/ars/44/01708.htm; https://www.azleg.gov/ars/44/01709.htm; https://www.azleg.gov/ars/44/01710.htm; https://www.azleg.gov/ars/44/01711.htm; https://www.azleg.gov/ars/44/01712.htm. Linked reporting: https://www.azleg.gov/ars/44/01691.htm; https://www.azleg.gov/ars/44/01692.htm; https://www.azleg.gov/ars/44/01693.htm; https://www.azleg.gov/ars/44/01694.htm. Limited CFA: https://www.azleg.gov/ars/44/01521.htm; https://www.azleg.gov/ars/44/01522.htm; https://www.azleg.gov/ars/44/01531.htm; https://www.azleg.gov/ars/44/01534.htm. Compilation notice: https://www.azleg.gov/arsDetail/?chapter=12&title=44.","Fresh official HTML bodies: all twelve CSO sections, four reporting sections, and listed CFA sections. Compilation page describes updating through the 57th Legislature’s second regular session and its January-following-session convention. CSO is Chapter 11, Article 7; the query URL used for the compilation notice is not asserted as CSO’s chapter location. No full historic amendment certificate."],["S_AZ-P08-S002","Arizona Legislature, Title 1: https://www.azleg.gov/ars/1/00243.htm; https://www.azleg.gov/ars/1/00301.htm; https://www.azleg.gov/ars/1/00303.htm; https://www.azleg.gov/ars/1/00244.htm.","Fresh full bodies: computation, holidays, holiday performance, nonretroactivity. Current posted compilation; no case resolving their precise application to every CSO notice discrepancy."],["S_AZ-P08-S003","Arizona Legislature, Constitution, art. IV, pt. 1: https://www.azleg.gov/const/4/1.p1.htm.","Fresh body, material § 1(3): ordinary effectiveness after session close and specified exceptions. Does not establish the unrecovered 1988 act’s exact effective date."],["S_AZ-P08-S004","Legislative Council, 2026 Table of Sections Affected: https://www.azleg.gov/alisPDFs/council/TOSA_57th_2nd_Regular.pdf.","Fresh official index, August 19, 2026, chapters 1–264. Relevant Title 44 range printed pp. 19–20 / PDF indices 18–19 read. No §§ 44-1701–1712 entry there; index, not operative amendment body."],["S_AZ-P08-S005","Legislative Council, 2025 Table of Sections Affected: https://www.azleg.gov/alisPDFs/council/TOSA_57th_1st_Regular.pdf.","Fresh official index, July 18, 2025, chapters 1–265; relevant printed p. 17 / PDF index 16. Same bounded no-entry result."],["S_AZ-P08-S006","Legislative Council, 2024 Table of Sections Affected: https://www.azleg.gov/alisPDFs/council/TOSA_56th_2nd_Regular.pdf.","Fresh official index, July 12, 2024, chapters 1–259; printed pp. 20–21 / PDF indices 19–20. Relevant range read."],["S_AZ-P08-S007","Legislative Council, 2023 Table of Sections Affected: https://www.azleg.gov/alisPDFs/council/TOSA_56th_1st_Regular.pdf.","Fresh official index, December 19, 2023, chapters 1–205; printed p. 16 / PDF index 15. Relevant range read."],["S_AZ-P08-S008","Legislative Council, 2026 Delayed Effective Dates: https://www.azleg.gov/alisPDFs/council/2026_Delayed_effective_dates.pdf.","Fresh partial index reading, including the relevant Title 44 entry concerning § 44-1483. Not all three pages represented as fully read; no CSO transition established from it."],["S_AZ-P08-S009","Arizona original CSO enactment lead, Laws 1988, ch. 350, § 1. Failed routes: https://azmemory.azlibrary.gov/nodes/view/20911; https://www.azleg.gov/legtext/38leg/2r/laws/0350.htm. Discovery-only summary: https://azmemory.azlibrary.gov/assets/displaypdf/193279.","First route returned 403; different Legislature route was inaccessible. Original body not read. Chapter identification is supported by Sgrillo, not independent enactment inspection. Approval, commencement, transition, and complete early amendment chain held. Summary was discovery only."],["S_AZ-P08-S010","Arizona Secretary of State, 14 A.A.C. 1: https://apps.azsos.gov/public_services/Title_14/14-01.pdf.","Fresh partial official PDF, Supplement 99-1, March 31, 1999, nine pages. Contents and initial R14-1-101 material read; document search did not find “credit.” Not all operative rules read; not proof that no CSO rule/adoption exists."],["S_AZ-P08-S011","Arizona Commerce Authority, Credit Repair/Credit Services: https://www.azcommerce.com/small-business/checklist-items/additional-business-occupations-and-activities/credit-repaircredit-services/.","Fresh complete relevant guidance body. Bond-copy/letter procedure and no-fee statement read. No revision date established; page marker “(24)” is not treated as an effective date. Guidance supports procedure, not statutory permission."],["S_AZ-P08-S012","Arizona Corporation Commission, public form lists: https://www.azcc.gov/corporations/forms; https://www.azcc.gov/corporations/forms/corporation-forms.","Fresh generic lists, including relevant corporation-form list. No authenticated CSO-specific bond located. Absence from these lists does not establish nonexistence."],["S_AZ-P08-S013","ACC, generic cover sheet: https://www.azcc.gov/docs/default-source/corps-files/forms/coversheet979408dc07e143058c2fb90887be701f.pdf?sfvrsn=5107f062_14.","Fresh full one-page PDF, printed p. 1 / index 0, CFCVLR REV 03/2020. Generic submission/payment/expedite fields. Not a CSO bond instrument; listed generic expedited charges not applied to CSO filing."],["S_AZ-P08-S014","Arizona AG, Credit Reporting and Credit Repair: https://www.azag.gov/consumer/tips/credit-reporting-credit-repair. Failed prior route: https://www.azag.gov/consumer/credit.","Fresh relevant guidance body, including cancellation/payment and reporting discussion. Prior route 404; different official page recovered. Undated. Three-business-day language and possible dispute-statement-charge language are not substituted for statutes."],["S_AZ-P08-S015","Arizona Court of Appeals, Sgrillo, reproduced by Justia: https://law.justia.com/cases/arizona/court-of-appeals/1993/176-ariz-148.html.","Fresh complete published majority, August 26, 1993, 176 Ariz. 148–149. No official opinion body located in bounded official-domain discovery; no fictitious official HTTP failure assigned. Reproduction hosting disclosed."]]},{"headers":["Source ID","Issuer, title, and direct literal HTTPS URLs","Actual read scope, version, status, and limits"],"index":10,"links":[{"href":"https://uscode.house.gov/us/usc/119-118/t15/s1679/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-118/t15/s1679/"},{"href":"https://uscode.house.gov/us/usc/119-118/t15/s1679a/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-118/t15/s1679a/"},{"href":"https://uscode.house.gov/us/usc/119-118/t15/s1679b/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-118/t15/s1679b/"},{"href":"https://uscode.house.gov/us/usc/119-118/t15/s1679c/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-118/t15/s1679c/"},{"href":"https://uscode.house.gov/us/usc/119-118/t15/s1679d/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-118/t15/s1679d/"},{"href":"https://uscode.house.gov/us/usc/119-118/t15/s1679e/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-118/t15/s1679e/"},{"href":"https://uscode.house.gov/us/usc/119-118/t15/s1679f/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-118/t15/s1679f/"},{"href":"https://uscode.house.gov/us/usc/119-118/t15/s1679g/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-118/t15/s1679g/"},{"href":"https://uscode.house.gov/us/usc/119-118/t15/s1679h/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-118/t15/s1679h/"},{"href":"https://uscode.house.gov/us/usc/119-118/t15/s1679i/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-118/t15/s1679i/"},{"href":"https://uscode.house.gov/us/usc/119-118/t15/s1679j/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-118/t15/s1679j/"},{"href":"https://uscode.house.gov/us/usc/119-134/t15/s1679j/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-134/t15/s1679j/"},{"href":"https://uscode.house.gov/us/usc/119-134/t15/s1679e/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-134/t15/s1679e/"},{"href":"https://www.govinfo.gov/content/pkg/USCODE-2024-title15/html/USCODE-2024-title15-chap41-subchapII-A.htm?utm_source=chatgpt.com","text":"https://www.govinfo.gov/content/pkg/USCODE-2024-title15/html/USCODE-2024-title15-chap41-subchapII-A.htm"},{"href":"https://www.govinfo.gov/content/pkg/PLAW-104publ208/pdf/PLAW-104publ208.pdf?utm_source=chatgpt.com","text":"https://www.govinfo.gov/content/pkg/PLAW-104publ208/pdf/PLAW-104publ208.pdf"},{"href":"https://uscode.house.gov/us/usc/119-118/t26/s501/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-118/t26/s501/"},{"href":"https://www.govinfo.gov/content/pkg/USCODE-2024-title26/html/USCODE-2024-title26-subtitleA-chap1-subchapF-partI-sec501.htm?utm_source=chatgpt.com","text":"https://www.govinfo.gov/content/pkg/USCODE-2024-title26/html/USCODE-2024-title26-subtitleA-chap1-subchapF-partI-sec501.htm"},{"href":"https://uscode.house.gov/us/usc/119-118/t15/s1602/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-118/t15/s1602/"},{"href":"https://www.govinfo.gov/content/pkg/USCODE-2024-title15/html/USCODE-2024-title15-chap41-subchapI-partA-sec1602.htm?utm_source=chatgpt.com","text":"https://www.govinfo.gov/content/pkg/USCODE-2024-title15/html/USCODE-2024-title15-chap41-subchapI-partA-sec1602.htm"},{"href":"https://uscode.house.gov/us/usc/119-118/t12/s1813/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-118/t12/s1813/"},{"href":"https://www.govinfo.gov/content/pkg/USCODE-2024-title12/html/USCODE-2024-title12-chap16-sec1813.htm?utm_source=chatgpt.com","text":"https://www.govinfo.gov/content/pkg/USCODE-2024-title12/html/USCODE-2024-title12-chap16-sec1813.htm"},{"href":"https://www.govinfo.gov/content/pkg/COMPS-264/pdf/COMPS-264.pdf?utm_source=chatgpt.com","text":"https://www.govinfo.gov/content/pkg/COMPS-264/pdf/COMPS-264.pdf"},{"href":"https://uscode.house.gov/us/usc/119-118/t15/s1681a/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-118/t15/s1681a/"},{"href":"https://uscode.house.gov/us/usc/119-118/t15/s1681b/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-118/t15/s1681b/"},{"href":"https://www.govinfo.gov/content/pkg/USCODE-2024-title15/html/USCODE-2024-title15-chap41-subchapIII-sec1681a.htm?utm_source=chatgpt.com","text":"https://www.govinfo.gov/content/pkg/USCODE-2024-title15/html/USCODE-2024-title15-chap41-subchapIII-sec1681a.htm"},{"href":"https://www.govinfo.gov/content/pkg/USCODE-2024-title15/html/USCODE-2024-title15-chap41-subchapIII-sec1681b.htm?utm_source=chatgpt.com","text":"https://www.govinfo.gov/content/pkg/USCODE-2024-title15/html/USCODE-2024-title15-chap41-subchapIII-sec1681b.htm"},{"href":"https://uscode.house.gov/us/usc/119-118/t15/s44/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-118/t15/s44/"},{"href":"https://uscode.house.gov/us/usc/119-118/t15/s45/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-118/t15/s45/"},{"href":"https://uscode.house.gov/us/usc/119-118/t15/s6102/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-118/t15/s6102/"},{"href":"https://uscode.house.gov/us/usc/119-118/t15/s6105/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-118/t15/s6105/"},{"href":"https://www.govinfo.gov/content/pkg/USCODE-2024-title15/html/USCODE-2024-title15-chap2-subchapI-sec44.htm?utm_source=chatgpt.com","text":"https://www.govinfo.gov/content/pkg/USCODE-2024-title15/html/USCODE-2024-title15-chap2-subchapI-sec44.htm"},{"href":"https://www.govinfo.gov/content/pkg/USCODE-2024-title15/html/USCODE-2024-title15-chap2-subchapI-sec45.htm?utm_source=chatgpt.com","text":"https://www.govinfo.gov/content/pkg/USCODE-2024-title15/html/USCODE-2024-title15-chap2-subchapI-sec45.htm"},{"href":"https://www.govinfo.gov/content/pkg/USCODE-2024-title15/html/USCODE-2024-title15-chap87-sec6105.htm?utm_source=chatgpt.com","text":"https://www.govinfo.gov/content/pkg/USCODE-2024-title15/html/USCODE-2024-title15-chap87-sec6105.htm"}],"row_links":[[],[{"href":"https://uscode.house.gov/us/usc/119-118/t15/s1679/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-118/t15/s1679/"},{"href":"https://uscode.house.gov/us/usc/119-118/t15/s1679a/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-118/t15/s1679a/"},{"href":"https://uscode.house.gov/us/usc/119-118/t15/s1679b/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-118/t15/s1679b/"},{"href":"https://uscode.house.gov/us/usc/119-118/t15/s1679c/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-118/t15/s1679c/"},{"href":"https://uscode.house.gov/us/usc/119-118/t15/s1679d/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-118/t15/s1679d/"},{"href":"https://uscode.house.gov/us/usc/119-118/t15/s1679e/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-118/t15/s1679e/"},{"href":"https://uscode.house.gov/us/usc/119-118/t15/s1679f/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-118/t15/s1679f/"},{"href":"https://uscode.house.gov/us/usc/119-118/t15/s1679g/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-118/t15/s1679g/"},{"href":"https://uscode.house.gov/us/usc/119-118/t15/s1679h/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-118/t15/s1679h/"},{"href":"https://uscode.house.gov/us/usc/119-118/t15/s1679i/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-118/t15/s1679i/"},{"href":"https://uscode.house.gov/us/usc/119-118/t15/s1679j/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-118/t15/s1679j/"},{"href":"https://uscode.house.gov/us/usc/119-134/t15/s1679j/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-134/t15/s1679j/"},{"href":"https://uscode.house.gov/us/usc/119-134/t15/s1679e/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-134/t15/s1679e/"}],[{"href":"https://www.govinfo.gov/content/pkg/USCODE-2024-title15/html/USCODE-2024-title15-chap41-subchapII-A.htm?utm_source=chatgpt.com","text":"https://www.govinfo.gov/content/pkg/USCODE-2024-title15/html/USCODE-2024-title15-chap41-subchapII-A.htm"}],[{"href":"https://www.govinfo.gov/content/pkg/PLAW-104publ208/pdf/PLAW-104publ208.pdf?utm_source=chatgpt.com","text":"https://www.govinfo.gov/content/pkg/PLAW-104publ208/pdf/PLAW-104publ208.pdf"}],[{"href":"https://uscode.house.gov/us/usc/119-118/t26/s501/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-118/t26/s501/"},{"href":"https://www.govinfo.gov/content/pkg/USCODE-2024-title26/html/USCODE-2024-title26-subtitleA-chap1-subchapF-partI-sec501.htm?utm_source=chatgpt.com","text":"https://www.govinfo.gov/content/pkg/USCODE-2024-title26/html/USCODE-2024-title26-subtitleA-chap1-subchapF-partI-sec501.htm"}],[{"href":"https://uscode.house.gov/us/usc/119-118/t15/s1602/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-118/t15/s1602/"},{"href":"https://www.govinfo.gov/content/pkg/USCODE-2024-title15/html/USCODE-2024-title15-chap41-subchapI-partA-sec1602.htm?utm_source=chatgpt.com","text":"https://www.govinfo.gov/content/pkg/USCODE-2024-title15/html/USCODE-2024-title15-chap41-subchapI-partA-sec1602.htm"}],[{"href":"https://uscode.house.gov/us/usc/119-118/t12/s1813/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-118/t12/s1813/"},{"href":"https://www.govinfo.gov/content/pkg/USCODE-2024-title12/html/USCODE-2024-title12-chap16-sec1813.htm?utm_source=chatgpt.com","text":"https://www.govinfo.gov/content/pkg/USCODE-2024-title12/html/USCODE-2024-title12-chap16-sec1813.htm"}],[{"href":"https://www.govinfo.gov/content/pkg/COMPS-264/pdf/COMPS-264.pdf?utm_source=chatgpt.com","text":"https://www.govinfo.gov/content/pkg/COMPS-264/pdf/COMPS-264.pdf"}],[{"href":"https://uscode.house.gov/us/usc/119-118/t15/s1681a/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-118/t15/s1681a/"},{"href":"https://uscode.house.gov/us/usc/119-118/t15/s1681b/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-118/t15/s1681b/"},{"href":"https://www.govinfo.gov/content/pkg/USCODE-2024-title15/html/USCODE-2024-title15-chap41-subchapIII-sec1681a.htm?utm_source=chatgpt.com","text":"https://www.govinfo.gov/content/pkg/USCODE-2024-title15/html/USCODE-2024-title15-chap41-subchapIII-sec1681a.htm"},{"href":"https://www.govinfo.gov/content/pkg/USCODE-2024-title15/html/USCODE-2024-title15-chap41-subchapIII-sec1681b.htm?utm_source=chatgpt.com","text":"https://www.govinfo.gov/content/pkg/USCODE-2024-title15/html/USCODE-2024-title15-chap41-subchapIII-sec1681b.htm"}],[{"href":"https://uscode.house.gov/us/usc/119-118/t15/s44/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-118/t15/s44/"},{"href":"https://uscode.house.gov/us/usc/119-118/t15/s45/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-118/t15/s45/"},{"href":"https://uscode.house.gov/us/usc/119-118/t15/s6102/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-118/t15/s6102/"},{"href":"https://uscode.house.gov/us/usc/119-118/t15/s6105/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-118/t15/s6105/"},{"href":"https://www.govinfo.gov/content/pkg/USCODE-2024-title15/html/USCODE-2024-title15-chap2-subchapI-sec44.htm?utm_source=chatgpt.com","text":"https://www.govinfo.gov/content/pkg/USCODE-2024-title15/html/USCODE-2024-title15-chap2-subchapI-sec44.htm"},{"href":"https://www.govinfo.gov/content/pkg/USCODE-2024-title15/html/USCODE-2024-title15-chap2-subchapI-sec45.htm?utm_source=chatgpt.com","text":"https://www.govinfo.gov/content/pkg/USCODE-2024-title15/html/USCODE-2024-title15-chap2-subchapI-sec45.htm"},{"href":"https://www.govinfo.gov/content/pkg/USCODE-2024-title15/html/USCODE-2024-title15-chap87-sec6105.htm?utm_source=chatgpt.com","text":"https://www.govinfo.gov/content/pkg/USCODE-2024-title15/html/USCODE-2024-title15-chap87-sec6105.htm"}]],"rows":[["Source ID","Issuer, title, and direct literal HTTPS URLs","Actual read scope, version, status, and limits"],["S_AZ-P08-S016","OLRC, CROA, 15 U.S.C. §§ 1679–1679j: https://uscode.house.gov/us/usc/119-118/t15/s1679/; https://uscode.house.gov/us/usc/119-118/t15/s1679a/; https://uscode.house.gov/us/usc/119-118/t15/s1679b/; https://uscode.house.gov/us/usc/119-118/t15/s1679c/; https://uscode.house.gov/us/usc/119-118/t15/s1679d/; https://uscode.house.gov/us/usc/119-118/t15/s1679e/; https://uscode.house.gov/us/usc/119-118/t15/s1679f/; https://uscode.house.gov/us/usc/119-118/t15/s1679g/; https://uscode.house.gov/us/usc/119-118/t15/s1679h/; https://uscode.house.gov/us/usc/119-118/t15/s1679i/; https://uscode.house.gov/us/usc/119-118/t15/s1679j/. Newer: https://uscode.house.gov/us/usc/119-134/t15/s1679j/; https://uscode.house.gov/us/usc/119-134/t15/s1679e/.","Fresh complete operative bodies/notes in the first eleven paths, with displayed currency PL 119-120, October 7, 2026, despite path 119-118. Newer § 1679j full body displayed October 20 currency; newer § 1679e only subsection (c)/notes recovered before a later failure. Full newer release held. Section 1679i was read but no actual remedy limitations calculation performed."],["S_AZ-P08-S017","GPO, 2024 U.S. Code CROA: https://www.govinfo.gov/content/pkg/USCODE-2024-title15/html/USCODE-2024-title15-chap41-subchapII-A.htm.","Fresh complete official archived body, §§ 1679–1679j and notes, 2024 edition. Initially used as readable fallback and compared with recovered OLRC bodies. Historical edition, not October 2026 currency."],["S_AZ-P08-S018","Congress/GPO, Public Law 104-208, § 2451 inserting CROA: https://www.govinfo.gov/content/pkg/PLAW-104publ208/pdf/PLAW-104publ208.pdf.","Fresh original enacted text, September 30, 1996. Title page and all inserted §§ 401–413 read, 110 Stat. 3009-454 through 3009-462 / PDF indices 454–462. Not the entire 750-page act. Original wording and transition evidence; later codification separately checked."],["S_AZ-P08-S019","OLRC, 26 U.S.C. § 501: https://uscode.house.gov/us/usc/119-118/t26/s501/. Archived fallback: https://www.govinfo.gov/content/pkg/USCODE-2024-title26/html/USCODE-2024-title26-subtitleA-chap1-subchapF-partI-sec501.htm.","Fresh § 501(c)(3), all (q), relevant 2006 effective notes; current header October 7, 2026. The underlying 2006 act was not separately opened. Broader tax regulations and actual status not examined."],["S_AZ-P08-S020","OLRC, 15 U.S.C. § 1602: https://uscode.house.gov/us/usc/119-118/t15/s1602/. Archived fallback: https://www.govinfo.gov/content/pkg/USCODE-2024-title15/html/USCODE-2024-title15-chap41-subchapI-partA-sec1602.htm.","Fresh current (a)–(aa), relying on (f), (g), (i); older (a)–(k) fallback also read. October 7 header. Not a complete Regulation Z or special-credit-sector study."],["S_AZ-P08-S021","OLRC, 12 U.S.C. § 1813: https://uscode.house.gov/us/usc/119-118/t12/s1813/. Archived fallback: https://www.govinfo.gov/content/pkg/USCODE-2024-title12/html/USCODE-2024-title12-chap16-sec1813.htm.","Fresh current (a)–(h), (w); archived (a)–(f) also read. October 7 header. Incorporated § 1841(k) full body not read; no actual affiliate/control conclusion."],["S_AZ-P08-S022","House Office of Legislative Counsel/GPO, Federal Credit Union Act compilation: https://www.govinfo.gov/content/pkg/COMPS-264/pdf/COMPS-264.pdf.","Fresh full § 101 definitions, corresponding to 12 U.S.C. § 1752, printed pp. 1–2 / PDF indices 0–1. Compilation amended through PL 119-101, July 11, 2026; generated July 29. Government-hosted but expressly not the official statutory version. Only relevant definitions, not all 138 pages, read."],["S_AZ-P08-S023","OLRC, FCRA definitions/permissible purposes: https://uscode.house.gov/us/usc/119-118/t15/s1681a/; https://uscode.house.gov/us/usc/119-118/t15/s1681b/. Archived fallbacks: https://www.govinfo.gov/content/pkg/USCODE-2024-title15/html/USCODE-2024-title15-chap41-subchapIII-sec1681a.htm; https://www.govinfo.gov/content/pkg/USCODE-2024-title15/html/USCODE-2024-title15-chap41-subchapIII-sec1681b.htm.","Fresh material portions: § 1681a(b)–(g), including report/CRA definitions; § 1681b(a), (f). October 7 header. 2025 amendment note observed; no full FCRA or § 1681e certification analysis."],["S_AZ-P08-S024","OLRC, FTC/telemarketing jurisdiction: https://uscode.house.gov/us/usc/119-118/t15/s44/; https://uscode.house.gov/us/usc/119-118/t15/s45/; https://uscode.house.gov/us/usc/119-118/t15/s6102/; https://uscode.house.gov/us/usc/119-118/t15/s6105/. Archived fallbacks: https://www.govinfo.gov/content/pkg/USCODE-2024-title15/html/USCODE-2024-title15-chap2-subchapI-sec44.htm; https://www.govinfo.gov/content/pkg/USCODE-2024-title15/html/USCODE-2024-title15-chap2-subchapI-sec45.htm; https://www.govinfo.gov/content/pkg/USCODE-2024-title15/html/USCODE-2024-title15-chap87-sec6105.htm.","Fresh relevant § 44 definitions, § 45(a), and operative §§ 6102/6105. October 7 headers. Deeper banking/securities/commodities crossreferences not all opened. Current § 53 retrieval failed; see failure register."]]},{"headers":["Source ID","Issuer, title, direct literal HTTPS URL","Actual read scope, version, status, and limits"],"index":11,"links":[{"href":"https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310?utm_source=chatgpt.com","text":"https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310"},{"href":"https://www.govinfo.gov/content/pkg/FR-1995-08-23/pdf/95-20655.pdf?utm_source=chatgpt.com","text":"https://www.govinfo.gov/content/pkg/FR-1995-08-23/pdf/95-20655.pdf"},{"href":"https://www.govinfo.gov/content/pkg/FR-2024-04-16/pdf/2024-07180.pdf?utm_source=chatgpt.com","text":"https://www.govinfo.gov/content/pkg/FR-2024-04-16/pdf/2024-07180.pdf"},{"href":"https://www.federalregister.gov/documents/2024/04/16/2024-07180/telemarketing-sales-rule","text":"https://www.federalregister.gov/documents/2024/04/16/2024-07180/telemarketing-sales-rule"},{"href":"https://www.govinfo.gov/content/pkg/FR-2024-12-10/pdf/2024-28399.pdf?utm_source=chatgpt.com","text":"https://www.govinfo.gov/content/pkg/FR-2024-12-10/pdf/2024-28399.pdf"},{"href":"https://www.federalregister.gov/documents/2024/12/10/2024-28399/telemarketing-sales-rule","text":"https://www.federalregister.gov/documents/2024/12/10/2024-28399/telemarketing-sales-rule"},{"href":"https://www.ftc.gov/business-guidance/resources/complying-telemarketing-sales-rule?utm_source=chatgpt.com","text":"https://www.ftc.gov/business-guidance/resources/complying-telemarketing-sales-rule"},{"href":"https://cdn.ca9.uscourts.gov/datastore/opinions/2014/02/21/10-56887.pdf?utm_source=chatgpt.com","text":"https://cdn.ca9.uscourts.gov/datastore/opinions/2014/02/21/10-56887.pdf"},{"href":"https://law.justia.com/cases/federal/appellate-courts/F3/265/944/632739/?utm_source=chatgpt.com","text":"https://law.justia.com/cases/federal/appellate-courts/F3/265/944/632739/"},{"href":"https://www.govinfo.gov/content/pkg/USREPORTS-565/pdf/USREPORTS-565-95.pdf?utm_source=chatgpt.com","text":"https://www.govinfo.gov/content/pkg/USREPORTS-565/pdf/USREPORTS-565-95.pdf"},{"href":"https://www.supremecourt.gov/opinions/20pdf/19-508_l6gn.pdf?utm_source=chatgpt.com","text":"https://www.supremecourt.gov/opinions/20pdf/19-508_l6gn.pdf"},{"href":"https://www.ftc.gov/legal-library/browse/statutes/credit-repair-organizations-act?utm_source=chatgpt.com","text":"https://www.ftc.gov/legal-library/browse/statutes/credit-repair-organizations-act"}],"row_links":[[],[{"href":"https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310?utm_source=chatgpt.com","text":"https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310"}],[{"href":"https://www.govinfo.gov/content/pkg/FR-1995-08-23/pdf/95-20655.pdf?utm_source=chatgpt.com","text":"https://www.govinfo.gov/content/pkg/FR-1995-08-23/pdf/95-20655.pdf"}],[{"href":"https://www.govinfo.gov/content/pkg/FR-2024-04-16/pdf/2024-07180.pdf?utm_source=chatgpt.com","text":"https://www.govinfo.gov/content/pkg/FR-2024-04-16/pdf/2024-07180.pdf"},{"href":"https://www.federalregister.gov/documents/2024/04/16/2024-07180/telemarketing-sales-rule","text":"https://www.federalregister.gov/documents/2024/04/16/2024-07180/telemarketing-sales-rule"}],[{"href":"https://www.govinfo.gov/content/pkg/FR-2024-12-10/pdf/2024-28399.pdf?utm_source=chatgpt.com","text":"https://www.govinfo.gov/content/pkg/FR-2024-12-10/pdf/2024-28399.pdf"},{"href":"https://www.federalregister.gov/documents/2024/12/10/2024-28399/telemarketing-sales-rule","text":"https://www.federalregister.gov/documents/2024/12/10/2024-28399/telemarketing-sales-rule"}],[{"href":"https://www.ftc.gov/business-guidance/resources/complying-telemarketing-sales-rule?utm_source=chatgpt.com","text":"https://www.ftc.gov/business-guidance/resources/complying-telemarketing-sales-rule"}],[{"href":"https://cdn.ca9.uscourts.gov/datastore/opinions/2014/02/21/10-56887.pdf?utm_source=chatgpt.com","text":"https://cdn.ca9.uscourts.gov/datastore/opinions/2014/02/21/10-56887.pdf"}],[{"href":"https://law.justia.com/cases/federal/appellate-courts/F3/265/944/632739/?utm_source=chatgpt.com","text":"https://law.justia.com/cases/federal/appellate-courts/F3/265/944/632739/"}],[{"href":"https://www.govinfo.gov/content/pkg/USREPORTS-565/pdf/USREPORTS-565-95.pdf?utm_source=chatgpt.com","text":"https://www.govinfo.gov/content/pkg/USREPORTS-565/pdf/USREPORTS-565-95.pdf"}],[{"href":"https://www.supremecourt.gov/opinions/20pdf/19-508_l6gn.pdf?utm_source=chatgpt.com","text":"https://www.supremecourt.gov/opinions/20pdf/19-508_l6gn.pdf"}],[{"href":"https://www.ftc.gov/legal-library/browse/statutes/credit-repair-organizations-act?utm_source=chatgpt.com","text":"https://www.ftc.gov/legal-library/browse/statutes/credit-repair-organizations-act"}]],"rows":[["Source ID","Issuer, title, direct literal HTTPS URL","Actual read scope, version, status, and limits"],["S_AZ-P08-S025","OFR/eCFR, 16 C.F.R. Part 310: https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310.","Fresh operative bodies: scope; all definitions; relevant § 310.3 disclosure/misrepresentation/payment provisions; § 310.4(a)(2)–(5); all § 310.5; all § 310.6; relevant § 310.7. Displayed currency October 23, 2026, Title 16 last amended October 19. eCFR identifies itself as authoritative but unofficial, not the official legal edition."],["S_AZ-P08-S026","FTC/GPO, 1995 TSR final rule and statement of basis and purpose, 60 FR 43842: https://www.govinfo.gov/content/pkg/FR-1995-08-23/pdf/95-20655.pdf.","Fresh material final-rule reading: header p. 43842/index 0; credit-repair explanation 43853–43854/indices 11–12, including n.117; operative rule 43866/index 24. Published August 23, effective December 31, 1995. Not all 36 pages read."],["S_AZ-P08-S027","FTC/GPO, April 2024 TSR final amendment: https://www.govinfo.gov/content/pkg/FR-2024-04-16/pdf/2024-07180.pdf. Official HTML: https://www.federalregister.gov/documents/2024/04/16/2024-07180/telemarketing-sales-rule.","Fresh header and entire operative amendment, 26760/index 0; 26783–26786/indices 23–26. Published April 16; effective May 16, 2024; § 310.5(a)(2) compliance October 15, 2024. Recordkeeping/B2B and technical wording changes; no new Arizona-bond exception."],["S_AZ-P08-S028","FTC/GPO, December 2024 TSR final amendment: https://www.govinfo.gov/content/pkg/FR-2024-12-10/pdf/2024-28399.pdf. HTML: https://www.federalregister.gov/documents/2024/12/10/2024-28399/telemarketing-sales-rule.","Fresh header/operative amendment, 99069/index 0; 99075/index 6. Published December 10, 2024; effective January 9, 2025. Technical-support addition and definition lettering/inbound-exemption changes read. No full subsequent litigation certificate."],["S_AZ-P08-S029","FTC, Complying with the Telemarketing Sales Rule: https://www.ftc.gov/business-guidance/resources/complying-telemarketing-sales-rule.","Fresh guidance portions on scope, nonprofit/institutional contractors, face-to-face, and credit repair. Revision date not established. No reliance on guide penalty amounts or unrelated DNC charges."],["S_AZ-P08-S030","Ninth Circuit, Stout v. FreeScore, published opinion: https://cdn.ca9.uscourts.gov/datastore/opinions/2014/02/21/10-56887.pdf.","Fresh all 19 pages, February 21, 2014. Material classification pp. 12–18/indices 11–17; disposition pp. 18–19/indices 17–18. Official body; no full citator."],["S_AZ-P08-S031","Ninth Circuit, FTC v. Gill, Justia reproduction: https://law.justia.com/cases/federal/appellate-courts/F3/265/944/632739/.","Fresh entire majority, September 12, 2001. Discussion A’s final advance-payment paragraphs relied on. Official-domain opinion discovery unsuccessful; no invented official case URL/error. Reproduction has no internal reporter pagination."],["S_AZ-P08-S032","Supreme Court/GPO, CompuCredit v. Greenwood, 565 U.S. 95: https://www.govinfo.gov/content/pkg/USREPORTS-565/pdf/USREPORTS-565-95.pdf.","Fresh majority pp. 96–105 / PDF indices 1–10, January 10, 2012; appendix partially read. Separate writings not fully read. Official slip route failed, official U.S. Reports recovered."],["S_AZ-P08-S033","Supreme Court, AMG Capital Management v. FTC: https://www.supremecourt.gov/opinions/20pdf/19-508_l6gn.pdf.","Fresh entire majority slip pp. 1–15 / PDF indices 3–17, April 22, 2021. Syllabus not used as the holding. Failed GPO route followed by successful official slip opinion."],["S_AZ-P08-S034","FTC, Credit Repair Organizations Act statute index: https://www.ftc.gov/legal-library/browse/statutes/credit-repair-organizations-act.","Fresh index only, used to discover the official statute route. Index title/link is not operative statutory evidence. Its linked OLRC route failed; bodies were recovered separately as S016/S017."]]},{"headers":["Source","Exact failed or partial route","Actual result; recovery or next evidence"],"index":12,"links":[{"href":"https://www.azleg.gov/arsDetail/?title=44&utm_source=chatgpt.com","text":"https://www.azleg.gov/arsDetail/?title=44"},{"href":"https://www.azleg.gov/ars/01/00243.htm","text":"https://www.azleg.gov/ars/01/00243.htm"},{"href":"https://www.azleg.gov/ars/01/00301.htm","text":"https://www.azleg.gov/ars/01/00301.htm"},{"href":"https://azmemory.azlibrary.gov/nodes/view/20911","text":"https://azmemory.azlibrary.gov/nodes/view/20911"},{"href":"https://www.azleg.gov/legtext/38leg/2r/laws/0350.htm","text":"https://www.azleg.gov/legtext/38leg/2r/laws/0350.htm"},{"href":"https://www.azag.gov/consumer/credit","text":"https://www.azag.gov/consumer/credit"},{"href":"https://uscode.house.gov/us/usc/119-124/t15/s1679a/","text":"https://uscode.house.gov/us/usc/119-124/t15/s1679a/"},{"href":"https://uscode.house.gov/us/usc/119-124/t15/s1679b/","text":"https://uscode.house.gov/us/usc/119-124/t15/s1679b/"},{"href":"https://uscode.house.gov/us/usc/119-124/t15/s1679c/","text":"https://uscode.house.gov/us/usc/119-124/t15/s1679c/"},{"href":"https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title15-section1679a&num=0&edition=prelim","text":"https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title15-section1679a&num=0&edition=prelim"},{"href":"https://uscode.house.gov/view.xhtml?req=(title:15+section:1679a+edition:prelim)&utm_source=chatgpt.com","text":"https://uscode.house.gov/view.xhtml?req=%28title%3A15+section%3A1679a+edition%3Aprelim%29"},{"href":"https://uscode.house.gov/view.xhtml?ca_referer=34999&edition=prelim&num=0&req=granuleid:USC-prelim-title15-chapter41-subchapterII-A&utm_source=chatgpt.com","text":"https://uscode.house.gov/view.xhtml?ca_referer=34999&edition=prelim&num=0&req=granuleid%3AUSC-prelim-title15-chapter41-subchapterII-A"},{"href":"https://usc-cdn.house.gov/view.xhtml?edition=prelim&req=granuleid:USC-prelim-title15-chapter41-subchapterII-A&saved=|Z3JhbnVsZWlkOlVTQy1wcmVsaW0tdGl0bGUxNS1zZWN0aW9uMTY3OWM=|||0|false|prelim&utm_source=chatgpt.com","text":"https://usc-cdn.house.gov/view.xhtml?edition=prelim&req=granuleid%3AUSC-prelim-title15-chapter41-subchapterII-A&saved=%7CZ3JhbnVsZWlkOlVTQy1wcmVsaW0tdGl0bGUxNS1zZWN0aW9uMTY3OWM%3D%7C%7C%7C0%7Cfalse%7Cprelim"},{"href":"https://www.govinfo.gov/content/pkg/USCODE-2025-title15/html/USCODE-2025-title15-chap41-subchapII-A.htm","text":"https://www.govinfo.gov/content/pkg/USCODE-2025-title15/html/USCODE-2025-title15-chap41-subchapII-A.htm"},{"href":"https://uscode.house.gov/view.xhtml?edition=prelim&f=treesort&jumpTo=true&num=0&req=%28title%3A15+USC+section%3A1679+edition%3Aprelim%29+OR+%28granuleid%3AUSC-prelim-title15+USC-section1679%29","text":"https://uscode.house.gov/view.xhtml?edition=prelim&f=treesort&jumpTo=true&num=0&req=%28title%3A15+USC+section%3A1679+edition%3Aprelim%29+OR+%28granuleid%3AUSC-prelim-title15+USC-section1679%29"},{"href":"https://uscode.house.gov/us/usc/119-134/t15/s1679/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-134/t15/s1679/"},{"href":"https://uscode.house.gov/us/usc/119-134/t15/s1679a/","text":"https://uscode.house.gov/us/usc/119-134/t15/s1679a/"},{"href":"https://uscode.house.gov/us/usc/119-134/t15/s1679b/","text":"https://uscode.house.gov/us/usc/119-134/t15/s1679b/"},{"href":"https://uscode.house.gov/us/usc/119-134/t15/s1679c/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-134/t15/s1679c/"},{"href":"https://uscode.house.gov/us/usc/119-134/t15/s1679d/","text":"https://uscode.house.gov/us/usc/119-134/t15/s1679d/"},{"href":"https://uscode.house.gov/us/usc/119-134/t15/s1679e/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-134/t15/s1679e/"},{"href":"https://uscode.house.gov/us/usc/119-134/t15/s1679f/","text":"https://uscode.house.gov/us/usc/119-134/t15/s1679f/"},{"href":"https://uscode.house.gov/us/usc/119-134/t15/s1679g/","text":"https://uscode.house.gov/us/usc/119-134/t15/s1679g/"},{"href":"https://uscode.house.gov/us/usc/119-134/t15/s1679h/","text":"https://uscode.house.gov/us/usc/119-134/t15/s1679h/"},{"href":"https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title15-section1679e&num=0&edition=prelim","text":"https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title15-section1679e&num=0&edition=prelim"},{"href":"https://www.govinfo.gov/content/pkg/USCODE-2024-title12/html/USCODE-2024-title12-chap14-subchapI-sec1752.htm","text":"https://www.govinfo.gov/content/pkg/USCODE-2024-title12/html/USCODE-2024-title12-chap14-subchapI-sec1752.htm"},{"href":"https://www.govinfo.gov/content/pkg/USCODE-2024-title12/html/USCODE-2024-title12-chap14-sec1752.htm","text":"https://www.govinfo.gov/content/pkg/USCODE-2024-title12/html/USCODE-2024-title12-chap14-sec1752.htm"},{"href":"https://uscode.house.gov/us/usc/119-118/t15/s53/","text":"https://uscode.house.gov/us/usc/119-118/t15/s53/"},{"href":"https://www.govinfo.gov/content/pkg/USCODE-2024-title15/html/USCODE-2024-title15-chap2-subchapI-sec53.htm","text":"https://www.govinfo.gov/content/pkg/USCODE-2024-title15/html/USCODE-2024-title15-chap2-subchapI-sec53.htm"},{"href":"https://www.supremecourt.gov/opinions/11pdf/10-948.pdf","text":"https://www.supremecourt.gov/opinions/11pdf/10-948.pdf"},{"href":"https://www.govinfo.gov/content/pkg/USREPORTS-593/pdf/USREPORTS-593-67.pdf","text":"https://www.govinfo.gov/content/pkg/USREPORTS-593/pdf/USREPORTS-593-67.pdf"}],"row_links":[[],[{"href":"https://www.azleg.gov/arsDetail/?title=44&utm_source=chatgpt.com","text":"https://www.azleg.gov/arsDetail/?title=44"}],[{"href":"https://www.azleg.gov/ars/01/00243.htm","text":"https://www.azleg.gov/ars/01/00243.htm"},{"href":"https://www.azleg.gov/ars/01/00301.htm","text":"https://www.azleg.gov/ars/01/00301.htm"}],[{"href":"https://azmemory.azlibrary.gov/nodes/view/20911","text":"https://azmemory.azlibrary.gov/nodes/view/20911"},{"href":"https://www.azleg.gov/legtext/38leg/2r/laws/0350.htm","text":"https://www.azleg.gov/legtext/38leg/2r/laws/0350.htm"}],[{"href":"https://www.azag.gov/consumer/credit","text":"https://www.azag.gov/consumer/credit"}],[{"href":"https://uscode.house.gov/us/usc/119-124/t15/s1679a/","text":"https://uscode.house.gov/us/usc/119-124/t15/s1679a/"},{"href":"https://uscode.house.gov/us/usc/119-124/t15/s1679b/","text":"https://uscode.house.gov/us/usc/119-124/t15/s1679b/"},{"href":"https://uscode.house.gov/us/usc/119-124/t15/s1679c/","text":"https://uscode.house.gov/us/usc/119-124/t15/s1679c/"}],[{"href":"https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title15-section1679a&num=0&edition=prelim","text":"https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title15-section1679a&num=0&edition=prelim"}],[{"href":"https://uscode.house.gov/view.xhtml?req=(title:15+section:1679a+edition:prelim)&utm_source=chatgpt.com","text":"https://uscode.house.gov/view.xhtml?req=%28title%3A15+section%3A1679a+edition%3Aprelim%29"}],[{"href":"https://uscode.house.gov/view.xhtml?ca_referer=34999&edition=prelim&num=0&req=granuleid:USC-prelim-title15-chapter41-subchapterII-A&utm_source=chatgpt.com","text":"https://uscode.house.gov/view.xhtml?ca_referer=34999&edition=prelim&num=0&req=granuleid%3AUSC-prelim-title15-chapter41-subchapterII-A"}],[{"href":"https://usc-cdn.house.gov/view.xhtml?edition=prelim&req=granuleid:USC-prelim-title15-chapter41-subchapterII-A&saved=|Z3JhbnVsZWlkOlVTQy1wcmVsaW0tdGl0bGUxNS1zZWN0aW9uMTY3OWM=|||0|false|prelim&utm_source=chatgpt.com","text":"https://usc-cdn.house.gov/view.xhtml?edition=prelim&req=granuleid%3AUSC-prelim-title15-chapter41-subchapterII-A&saved=%7CZ3JhbnVsZWlkOlVTQy1wcmVsaW0tdGl0bGUxNS1zZWN0aW9uMTY3OWM%3D%7C%7C%7C0%7Cfalse%7Cprelim"}],[{"href":"https://www.govinfo.gov/content/pkg/USCODE-2025-title15/html/USCODE-2025-title15-chap41-subchapII-A.htm","text":"https://www.govinfo.gov/content/pkg/USCODE-2025-title15/html/USCODE-2025-title15-chap41-subchapII-A.htm"}],[{"href":"https://uscode.house.gov/view.xhtml?edition=prelim&f=treesort&jumpTo=true&num=0&req=%28title%3A15+USC+section%3A1679+edition%3Aprelim%29+OR+%28granuleid%3AUSC-prelim-title15+USC-section1679%29","text":"https://uscode.house.gov/view.xhtml?edition=prelim&f=treesort&jumpTo=true&num=0&req=%28title%3A15+USC+section%3A1679+edition%3Aprelim%29+OR+%28granuleid%3AUSC-prelim-title15+USC-section1679%29"}],[{"href":"https://uscode.house.gov/us/usc/119-134/t15/s1679/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-134/t15/s1679/"},{"href":"https://uscode.house.gov/us/usc/119-134/t15/s1679a/","text":"https://uscode.house.gov/us/usc/119-134/t15/s1679a/"},{"href":"https://uscode.house.gov/us/usc/119-134/t15/s1679b/","text":"https://uscode.house.gov/us/usc/119-134/t15/s1679b/"},{"href":"https://uscode.house.gov/us/usc/119-134/t15/s1679c/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-134/t15/s1679c/"},{"href":"https://uscode.house.gov/us/usc/119-134/t15/s1679d/","text":"https://uscode.house.gov/us/usc/119-134/t15/s1679d/"}],[{"href":"https://uscode.house.gov/us/usc/119-134/t15/s1679e/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-134/t15/s1679e/"},{"href":"https://uscode.house.gov/us/usc/119-134/t15/s1679f/","text":"https://uscode.house.gov/us/usc/119-134/t15/s1679f/"},{"href":"https://uscode.house.gov/us/usc/119-134/t15/s1679g/","text":"https://uscode.house.gov/us/usc/119-134/t15/s1679g/"},{"href":"https://uscode.house.gov/us/usc/119-134/t15/s1679h/","text":"https://uscode.house.gov/us/usc/119-134/t15/s1679h/"}],[{"href":"https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title15-section1679e&num=0&edition=prelim","text":"https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title15-section1679e&num=0&edition=prelim"}],[{"href":"https://www.govinfo.gov/content/pkg/USCODE-2024-title12/html/USCODE-2024-title12-chap14-subchapI-sec1752.htm","text":"https://www.govinfo.gov/content/pkg/USCODE-2024-title12/html/USCODE-2024-title12-chap14-subchapI-sec1752.htm"},{"href":"https://www.govinfo.gov/content/pkg/USCODE-2024-title12/html/USCODE-2024-title12-chap14-sec1752.htm","text":"https://www.govinfo.gov/content/pkg/USCODE-2024-title12/html/USCODE-2024-title12-chap14-sec1752.htm"}],[{"href":"https://uscode.house.gov/us/usc/119-118/t15/s53/","text":"https://uscode.house.gov/us/usc/119-118/t15/s53/"},{"href":"https://www.govinfo.gov/content/pkg/USCODE-2024-title15/html/USCODE-2024-title15-chap2-subchapI-sec53.htm","text":"https://www.govinfo.gov/content/pkg/USCODE-2024-title15/html/USCODE-2024-title15-chap2-subchapI-sec53.htm"}],[{"href":"https://www.supremecourt.gov/opinions/11pdf/10-948.pdf","text":"https://www.supremecourt.gov/opinions/11pdf/10-948.pdf"}],[{"href":"https://www.govinfo.gov/content/pkg/USREPORTS-593/pdf/USREPORTS-593-67.pdf","text":"https://www.govinfo.gov/content/pkg/USREPORTS-593/pdf/USREPORTS-593-67.pdf"}]],"rows":[["Source","Exact failed or partial route","Actual result; recovery or next evidence"],["S001","https://www.azleg.gov/arsDetail/?title=44","400/timeout through retrieval. Different compilation query and direct section bodies recovered."],["S002","https://www.azleg.gov/ars/01/00243.htm; https://www.azleg.gov/ars/01/00301.htm","Padded-title routes inaccessible. Official /ars/1/ bodies recovered."],["S009","https://azmemory.azlibrary.gov/nodes/view/20911; https://www.azleg.gov/legtext/38leg/2r/laws/0350.htm","403 at archive; different Legislature route inaccessible. Hold original act; next evidence is a readable official session-law scan, including approval/effective/transition provisions."],["S014","https://www.azag.gov/consumer/credit","404. Different official tips page recovered; statutory conflicts preserved."],["S016","https://uscode.house.gov/us/usc/119-124/t15/s1679a/; https://uscode.house.gov/us/usc/119-124/t15/s1679b/; https://uscode.house.gov/us/usc/119-124/t15/s1679c/","Bodies inaccessible on these release routes. October 7 bodies recovered from different discovered release paths; no claim that these failed versions were read."],["S016","https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title15-section1679a&num=0&edition=prelim","404. Recovered through S016 readable release body."],["S016","https://uscode.house.gov/view.xhtml?req=%28title%3A15+section%3A1679a+edition%3Aprelim%29","Internal retrieval error. No body attributed to this route."],["S016","https://uscode.house.gov/view.xhtml?ca_referer=34999&edition=prelim&num=0&req=granuleid%3AUSC-prelim-title15-chapter41-subchapterII-A","Maintenance response. Different official archived/current-release bodies used with their dates."],["S016","https://usc-cdn.house.gov/view.xhtml?edition=prelim&req=granuleid%3AUSC-prelim-title15-chapter41-subchapterII-A&saved=%7CZ3JhbnVsZWlkOlVTQy1wcmVsaW0tdGl0bGUxNS1zZWN0aW9uMTY3OWM%3D%7C%7C%7C0%7Cfalse%7Cprelim","400/timeout. No operative body recovered there."],["S016/S017","https://www.govinfo.gov/content/pkg/USCODE-2025-title15/html/USCODE-2025-title15-chap41-subchapII-A.htm","Inaccessible. Different official 2024 edition recovered; later readable OLRC bodies separately recovered."],["S016/S034","https://uscode.house.gov/view.xhtml?edition=prelim&f=treesort&jumpTo=true&num=0&req=%28title%3A15+USC+section%3A1679+edition%3Aprelim%29+OR+%28granuleid%3AUSC-prelim-title15+USC-section1679%29","FTC index’s linked route returned 404. Index not used as substitute law."],["S016","https://uscode.house.gov/us/usc/119-134/t15/s1679/; https://uscode.house.gov/us/usc/119-134/t15/s1679a/; https://uscode.house.gov/us/usc/119-134/t15/s1679b/; https://uscode.house.gov/us/usc/119-134/t15/s1679c/; https://uscode.house.gov/us/usc/119-134/t15/s1679d/","Newer-release bodies inaccessible. These are not treated as October 20 statutory readings."],["S016","https://uscode.house.gov/us/usc/119-134/t15/s1679e/; https://uscode.house.gov/us/usc/119-134/t15/s1679f/; https://uscode.house.gov/us/usc/119-134/t15/s1679g/; https://uscode.house.gov/us/usc/119-134/t15/s1679h/","§ 1679e(c)/notes were partially read once; subsequent body retrieval failed. Other listed bodies inaccessible. Complete newer-release currentness held."],["S016","https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title15-section1679e&num=0&edition=prelim","404. October 7 full body and original enactment supply the stated wording; later currency remains qualified."],["S022","https://www.govinfo.gov/content/pkg/USCODE-2024-title12/html/USCODE-2024-title12-chap14-subchapI-sec1752.htm; https://www.govinfo.gov/content/pkg/USCODE-2024-title12/html/USCODE-2024-title12-chap14-sec1752.htm","Both unavailable through retrieval. Different government-hosted HOLC compilation recovered, with its express nonofficial-version limitation."],["S024","https://uscode.house.gov/us/usc/119-118/t15/s53/; https://www.govinfo.gov/content/pkg/USCODE-2024-title15/html/USCODE-2024-title15-chap2-subchapI-sec53.htm","OLRC 403; different GPO route inaccessible. Hold current § 53 body/amendments. AMG is used only for its actually read holding."],["S032","https://www.supremecourt.gov/opinions/11pdf/10-948.pdf","404. Different official U.S. Reports PDF recovered."],["S033","https://www.govinfo.gov/content/pkg/USREPORTS-593/pdf/USREPORTS-593-67.pdf","Inaccessible. Different official Supreme Court slip PDF recovered."]]},{"headers":["No.","Fictional facts","Positive or applicable branch","Adverse branch / exact hold"],"index":13,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["No.","Fictional facts","Positive or applicable branch","Adverse branch / exact hold"],["P01 — Repair promise","A seller charges for removing inaccurate entries and improving an individual’s credit rating.","Arizona CSO and CROA predicates may both be met; test contracts, performance, cancellation, and federal interstate use. C002, C043.","Actual representations, credit purpose, consideration, exclusions, and performance remain necessary."],["P02 — Monitoring","A paid dashboard initially advertises only alerts; another advertisement promises that using it will improve the user’s credit.","The improvement representation makes Stout relevant. C005, C077.","A neutral monitoring label or disclaimer does not resolve the full marketing record; genuinely neutral monitoring requires separate facts."],["P03 — Education with indirect payment","A budgeting class is called free, but enrollment requires a paid affiliate package.","Valuable consideration and an integrated improvement purpose must be tested. C002, C005, C043.","No holding here that every indirect arrangement is covered or that separating invoices defeats coverage."],["P04 — New-credit referral","Buyer pays solely for the address of a retail seller offering the same public credit terms.","Arizona’s specific sole-referral prohibition applies if its predicates are met. C017.","Calling the charge “education” does not establish a different service; a genuinely different program requires its actual terms."],["P05 — Forbearance","Negotiator obtains a new enforceable right to defer an existing consumer debt.","Arizona’s deferral definition is relevant. C003–C004.","Whether this is “obtaining” credit for CSO classification lacks the responsive published construction identified in this pass."],["P06 — Principal reduction","Creditor accepts a lower principal amount, with no new right to postpone payment.","Evaluate any independent repair representation or other covered service.","Reduction itself is not automatically an extension of credit; do not import the forbearance branch. C004."],["P07 — Own creditor versus purchaser","One actor originated a qualifying consumer obligation; another later bought it. Each offers restructuring.","CROA’s defined-creditor/own-debt exclusion must be tested separately for each. C046.","Ownership alone does not establish § 1602 creditor status; no actual assignment or contract examined."],["P08 — Nonprofit","Organization claims § 501(c)(4); another claims § 501(c)(3) while separately charging for repair.","Only qualifying § 501(c)(3) matches the state/CROA nonprofit wording. C013, C045.","For substantial counseling organizations, separately stated repair fees raise § 501(q) issues. Actual exemption status remains held. C049–C050."],["P09 — Attorney","Arizona lawyer provides in-scope legal services; a separate marketing company sells the program.","Lawyer may meet Arizona’s professional exclusion. C011.","Marketing company does not inherit it; CROA has no blanket attorney exclusion. C048, C078."],["P10 — Real-estate broker","Licensed broker provides services within licensed brokerage; also offers a separately marketed repair subscription.","In-scope brokerage exclusion can be tested. C010.","Separate repair activity is not automatically within the license’s course and scope."],["P11 — Broker-dealer","Registered broker-dealer claims its registration exempts all financial education products.","Arizona exclusion requires the services to fall within the course and scope of the specified regulation. C012.","Registration title alone does not establish scope or federal credit-repair exclusion."],["P12 — Bank and affiliate","A qualifying bank, a controlled affiliate, and an unaffiliated contractor offer similar services.","CROA expressly addresses institutional affiliates/subsidiaries. C047.","Arizona’s list differs; affiliation/control and TSR contractor jurisdiction require separate proof. C009, C014, C065."],["P13 — Employee sideline","A salaried employee sells personal repair services outside the employer’s program.","Test that person’s own service/consideration/representation facts.","No separate blanket employee exemption appears in the read state list or CROA list. C014, C048."],["P14 — Interstate direction","Arizona seller solicits nonresidents; another seller located elsewhere contacts Arizona buyers.","Sgrillo supports the first direction on its facts. C006.","It does not decide all jurisdiction/choice-of-law questions in the second. C007."],["P15 — Bonded advance charge","CSO holds a compliant state bond and asks for payment before promised repair is complete.","Bond may satisfy the state exception, assuming all bond predicates. C016.","Covered CROA still prohibits premature charging/receipt; covered TSR adds its own conditions. C052, C068."],["P16 — Defective documents and cancellation","Buyer receives no duplicate notice, is asked to waive cancellation, and promptly mails written cancellation.","State document/nonwaiver rules and federal contract-voidness rules must be applied if covered. C034–C039, C058–C060.","Refund entitlement, receipt, actual amounts, applicable law, and remedy predicates remain separate; no automatic damages award."]]},{"headers":["Entry","Cash effect","Treatment"],"index":14,"links":[],"row_links":[[],[],[],[],[],[],[]],"rows":[["Entry","Cash effect","Treatment"],["Customer payment received","+$1,000","Historical receipt; original legality not presumed."],["Refund already completed","−$250","Actual return to customer."],["Actual transfer to creditor","−$200","Distinct from provider fee and from proven principal reduction."],["Cash remaining","$550","$1,000 − $250 − $200."],["Provider’s claimed fee","$150 claimed","Not deducted again. No lawful earning/application has been established."],["Established lawful fee applied in this model","$0 established","Evidentiary hold, not a final adjudication that no fee could ever be due."]]},{"headers":["Row","Requested issue","Status / claim references","Exact missing evidence or next action"],"index":15,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Row","Requested issue","Status / claim references","Exact missing evidence or next action"],["G01","Arizona buyer and CSO definitions","Answered-text — C001–C002","Actual purchaser, services, consideration and representations remain private facts."],["G02","Credit and consumer-purpose predicate","Partial — C003","Determine actual purpose and whether a deferral right was granted; no mixed-purpose factual decision."],["G03","Payment concession as obtaining credit","Held — C004","Responsive published Arizona construction or final authoritative interpretation of § 44-1701 in that factual setting."],["G04","Repair versus monitoring/education","Partial — C005, C043, C077","Complete actual marketing/service record; no label-based classification."],["G05","New credit and referrals","Answered-text/conditional — C002, C017","Actual referral terms and whether charge is solely for same-public-terms access."],["G06","Mixed services and separate prices","Held application — C005, C052, C078","Actual integration/severability and promised performance; no assurance from invoice splitting."],["G07","Regulated lender exclusion","Answered-text/conditional — C008","Actual authorization, regulator, supervision, and service scope."],["G08","State bank/S&L exclusion","Answered-text/conditional — C009","Institution and insurance-eligibility evidence; historical FSLIC wording preserved."],["G09","Real-estate broker exclusion","Answered-text/conditional — C010","Actual Arizona license and course/scope facts."],["G10","Attorney exclusion","Answered-text/conditional — C011, C048","Professional status and actual legal-practice scope; separate federal test."],["G11","SEC/CFTC broker-dealer exclusion","Answered-text/conditional — C012","Actual registration and regulatory scope."],["G12","Nonprofit exclusion","Answered-text/conditional — C013, C045","Actual nonprofit and § 501(c)(3) status; no entity search performed."],["G13","Employee/affiliate/general creditor labels","Answered-text/conditional — C014–C015","Actual statutory role; no general state exclusion inferred."],["G14","CROA own-creditor exclusion","Partial — C046","§ 1602 creditor facts and debt owed to that creditor; purchased-account classification unresolved."],["G15","CROA institutional affiliate/subsidiary","Partial — C047","Actual charter/control and any responsive construction; deeper affiliate crossreference not fully read."],["G16","Incorporated § 501(q) conditions","Answered-text/conditional — C049–C050","Actual operations, governance, ownership, fees and revenue; underlying 2006 enactment not separately read."],["G17","State advance-payment condition","Answered-text — C016","Full performance or valid compliant bond facts."],["G18","Surety issuer, filing, and custody distinction","Partial — C020, C023, C025","Actual issuer authorization/instrument; filing copy does not establish custody authority."],["G19","Bond measure and annual adjustment","Answered-text — C021–C022","Actual preceding twelve-month fees-charged records and fiscal-year start."],["G20","Beneficiaries, actual damages, aggregate limit","Answered-text/conditional — C023–C024","Covered violation/loss, aggregate exhaustion, priority and defenses."],["G21","Bond cancellation/change/renewal/claim instrument","Held — C027","Current CSO-specific approved blank bond, riders, cancellation procedure and operative version."],["G22","Public government charge","Partial — C026","$0 guidance limited to bond-copy procedure; other charges and current checkout not established."],["G23","Separate license/registration/trust alternative","Partial — C025","Full responsive rule/adoption inventory and other applicable authorization law; no universal no-license conclusion."],["G24","State precontract/prepayment disclosure trigger","Answered-text — C028–C029","Actual delivery before the earlier event."],["G25","Buyer receipt and retention","Answered-text/partial — C031, C054","Actual acknowledgment and retention; state starting-event construction if material."],["G26","Payment/service/guarantee/refund contract terms","Answered-text — C032, C055","Actual complete agreement and integrated representations."],["G27","Type, placement, duplicates, language, copies","Answered-text — C033–C034, C058","Actual document layout, language, completion and delivery."],["G28","State cancellation trigger wording","Held harmonization — C035","Published construction where transaction and signing dates differ."],["G29","Cancellation method and address","Partial — C037, C058","Actual notice, correct address, mailing/delivery proof; electronic substitution law deferred."],["G30","State return scope and receipt clock","Answered-text/conditional — C036","Actual receipt, payment base, completed return, mixed-fund allocation."],["G31","Federal separate disclosure","Answered-text — C053–C054","Actual statutory statement and signed receipt."],["G32","Federal service-start waiting period","Partial — C056","Endpoint/business-day construction if boundary matters; no boundary example used."],["G33","Federal cancellation and required notice discrepancy","Partial — C057–C058, C084","Responsive authoritative reconciliation; original enactment confirms differing wording."],["G34","Calendar, holidays, and business days","Partial — C086","Applicable federal business-day construction and precise Arizona short-notice application."],["G35","Completion versus installments/partial work","Partial — C016, C052, C078","Actual full promises, service independence and completed performance."],["G36","False reporting/new identity/deceptive promises","Answered-text — C018–C019, C051","Actual statement, knowledge, accuracy and purpose."],["G37","Waiver and contract voidness","Answered-text — C039, C059–C060","Actual clause/defect; arbitration separately bounded."],["G38","State private/public remedies","Partial — C038–C042","Injury, causation, willfulness, damages, procedure and discretionary findings."],["G39","Federal remedies and arbitration distinction","Partial — C061–C063, C079–C080","Actual claim, forum agreement, remedial authority and current § 53 text."],["G40","TSR campaign/seller/customer predicates","Answered-text/conditional — C064","Actual campaign/interstate calls and transaction role."],["G41","FTC jurisdiction/nonprofit/contractor limits","Partial — C065","Actual organizational purpose and deeper sector crossreferences."],["G42","Inbound ads, unsolicited calls, face-to-face, upsells","Answered-text/conditional — C066–C067","Actual solicitation and sale/payment sequence."],["G43","TSR report issuance/provision conditions","Answered-text — C068–C069","Actual results date, report issue date, content and provision."],["G44","Represented timeframe and no relative-order requirement","Answered-text — C068–C070","All actual oral/written timeframe representations."],["G45","CRA/report/permissible purpose","Partial — C071","Full § 1681e requirements and lawful actual access; no report obtained."],["G46","Retention under TSR","Answered-text/conditional — C076","Actual applicable records and each record’s prescribed trigger."],["G47","Recent Arizona amendment checking","Partial — C081","Index checking completed for relevant ranges; no all-session/all-law certificate."],["G48","Original 1988 act and earlier chain","Held — C082","Readable official original act and 1989–2022 material amendment history."],["G49","Arizona operative CSO rules/adoption/repeal","Held — C025, C027","Responsive complete rule/adoption bodies; partial Title 14 inventory is insufficient."],["G50","Exact current CROA codification","Partial — C083","Complete post-October 7 updating through access date; newer partial reads do not close it."],["G51","TSR final amendments and dates","Answered-text/partial — C085","Read listed final amendments; subsequent litigation/stay/currentness beyond displayed currency not certified."],["G52","Incorporated institutional/tax/FTC definitions","Partial — C044–C050, C065","Deeper unexamined affiliate, banking, securities and commodities references if branch invoked."],["G53","Published interpretation and later treatment","Partial — C006, C077–C080","Full subsequent-history research remains open; no unpublished authority used."],["G54","Official guidance/statute conflicts","Answered-text — C087–C088","No later authoritative correction or harmonization located; statutes retained as controlling text."],["G55","Model 1 classification/payment chronology","Completed conditional model — C002–C004, C016, C021, C052, C068–C071","Actual facts and currency holds prevent permission determination."],["G56","Model 2 partial versus complete performance","Completed conditional model — C016, C052, C078","Actual independence and completed promises needed."],["G57","Model 3 cancellation/return sequence","Completed nonboundary model — C035–C037, C057–C058, C086","No actual endpoint or filing calendar supplied."],["G58","Model 4 customer/security ledger","Completed conditional model — C021–C027, C036","Actual allocation, fee earning, security coverage and refund source unresolved."],["G59","Fictional actor/service/exclusion postures","Completed — P01–P16","Illustrations do not substitute for actual evidence."],["G60","Private actor/customer/contract/status facts","Held by scope","No actual provider, buyer, report, license, tax status or contract queried."],["G61","General price cap, premium and other charges","Partial — C026, C089","No numeric general cap in read provisions; unknown private premium/other government fees remain unknown."],["G62","Failed and partial source routes","Recorded above — S001–S034 as applicable","Recover the specifically identified bodies through an ordinary public official route; no absence inference or workaround."]]},{"headers":["Row","Territory issue","Status / references","Exact remaining evidence"],"index":16,"links":[],"row_links":[[],[],[],[],[],[]],"rows":[["Row","Territory issue","Status / references","Exact remaining evidence"],["T01","Arizona conduct directed outside Arizona","Partial — C006","Sgrillo supports its actual posture; different contacts and claims need analysis."],["T02","Remote conduct directed into Arizona","Held — C007","Responsive territorial/choice-of-law authority and actual contacts."],["T03","County/city forms, local procedure and calendars","Deferred","No fifteen-county administrative inventory or fifteen local-practice checks were performed in this pass. Specific local requirements remain open."],["T04","Tribal parties, land, courts or sovereign issues","Deferred","Applicable tribal/federal jurisdiction and actual territorial facts; no tribal conclusion."],["T05","Interstate contracts and federal/state forum interaction","Partial/deferred — C063, C079","Actual choice-of-law/forum provisions and responsive authority; no nationwide permission."]]},{"headers":["Row","Deferred family","Disposition and exact next investigation"],"index":17,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Row","Deferred family","Disposition and exact next investigation"],["D01","Debt-management/settlement market access, fees, renewal and proration","Separate regime; no P02 issue resolved here."],["D02","JHass/custodial debt-management classification","Separate required analysis; bond copying does not resolve custody."],["D03","Collection-agency credentials/security","P06 remains separate; no collection authority inferred."],["D04","Collection communications/validation/disputes","P07 remains separate; no contact workflow imported."],["D05","Debt merits, ownership, standing, evidence and service","Separate litigation pass; contracts here are CSO service contracts, not proof of underlying debt."],["D06","Default, vacatur and procedural relief","Separate rules/case-law work."],["D07","Limitations, revival and judgment renewal","P05 separate; no clock reused."],["D08","Earnings garnishment","P03 unreviewed; no earnings formula imported."],["D09","Bank/non-earnings garnishment","P04 unreviewed; no bank exemption imported."],["D10","Other debtor property, homestead, secured foreclosure/repo","Separate enforcement and secured-debt regimes."],["D11","Medical, tax, student, utility and other sectors","Separate statutory and federal overlays."],["D12","Full arbitration analysis","Only CompuCredit’s narrow CROA holding read; actual clause validity/enforcement remains open."],["D13","Full surety litigation and insurance coverage","Need actual instrument, applicable claim limitations, defenses, priority and exhaustion evidence."],["D14","Full remedies, remedy limitations and monetary recovery","Limited statutory predicates identified; no award, actual limitations period or complete enforcement pathway determined."],["D15","Full FCRA, TCPA, DNC, privacy, electronic-signature law","Only indispensable report-purpose and marketing boundaries addressed; complete regimes remain open."],["D16","Customer funds, solvency, trust obligations and refund funding","No custody permission; actual funds, account treatment, priority and provider solvency remain held."],["D17","Full Arizona, country, parent and A066/A097/A098 acceptance","Not supplied. This pass contributes only the stated CSO/CROA/TSR component evidence."]]},{"headers":["Earlier item / supplied provenance","Preserved prior status","Narrow PASS-08 contribution","Remaining hold"],"index":18,"links":[],"row_links":[[],[],[],[],[],[],[]],"rows":[["Earlier item / supplied provenance","Preserved prior status","Narrow PASS-08 contribution","Remaining hold"],["Exact supplied label: “Adjacent CSO rules”","User describes statutory conditions with classification unresolved, including whether a new concession is obtaining credit and actual credit-improvement representations.","Fresh Arizona definitions, exclusions, contracts/security and Sgrillo; fresh CROA and Stout. C001–C050, C077.","Concession construction and actual representations still unresolved. Full original raw row/IDs unavailable."],["Exact supplied label: “Exact current CROA codification”","Held; coordinator did not freshly reopen cancellation/CROA.","Complete readable OLRC bodies through October 7; original 1996 enactment; partial newer release; documented failures. C051–C063, C083–C084.","Complete post-October 7 currentness not established. This is a substantive partial recovery, not closure."],["Full agreements/funds/bonds/solvency/remedies, as described by user","Later required passes. Exact original row text/IDs not supplied.","CSO-specific agreement, conditional bond, cancellation, limited remedies, and conditional ledger.","Full funds/solvency/surety/remedy litigation remains open; no substitution of a guessed original row."],["Exact supplied broader topic: “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.”","Only indispensable CSO contract, jurisdiction and remedy distinctions addressed.","“Separate focused investigations are required. Nothing in this component supplies statewide or A066 acceptance.”"],["P01 scoped review, user-reported 2026-10-23T05:19:34.171103Z","Same-coordinator scoped review and selected checks; not independent/all-source/current-state acceptance.","Preserved as provenance only.","Coordinator file was not freshly read or rewritten here."],["P02 and P03–P07","P02 different renewal/proration regime; P03–P07 saved or running UNREVIEWED, per supplied status.","No legal premise imported from them.","Their reviews, corrections and acceptance statuses remain unchanged."]]}],"claims":[{"claim_id":"S_AZ-P08-C001","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P08-C001","Actor and predicate":"Person solicited to purchase or purchasing covered services","Rule, consequence, or hold":"Arizona’s “buyer” is a natural person. Entity purchasers do not satisfy that definition merely because an owner is an individual.","Primary evidence and limits":"S001, A.R.S. § 44-1701(1), https://www.azleg.gov/ars/44/01701.htm. High-text; actual buyer identity held."},"coordinator_verification_status":"scoped_atomic_reconciliation_with_selected_primary_and_holds","coordinator_source_ids":["S_AZ-P08-S001"],"coordinator_related_claim_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T06:23:50.586874+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","original_locations":[[5650,5959]],"unreopened_source_ids":[],"material_correction_ids":[],"scope":"Wholeatomic/narrative/tablecontextread;selectedbodiesonlysupported. Originalfailed,partial,dated,currentness,jurisdiction,crossreference,judicial,andactualapplicationholdsremain;notall-claimacceptance.","independent_state_parent_component_accepted":false}},{"claim_id":"S_AZ-P08-C002","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P08-C002","Actor and predicate":"Person acting for money or other valuable consideration, concerning credit extended by others","Rule, consequence, or hold":"CSO coverage includes selling, providing, performing, or representing an ability to improve a buyer’s credit record/history/rating, obtain credit, or provide related advice or assistance.","Primary evidence and limits":"S001, § 44-1701(2)(a)–(c), https://www.azleg.gov/ars/44/01701.htm. High-text; consideration and representations are factual predicates."},"coordinator_verification_status":"scoped_atomic_reconciliation_with_selected_primary_and_holds","coordinator_source_ids":["S_AZ-P08-S001"],"coordinator_related_claim_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T06:23:50.586874+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","original_locations":[[5960,6391]],"unreopened_source_ids":[],"material_correction_ids":[],"scope":"Wholeatomic/narrative/tablecontextread;selectedbodiesonlysupported. Originalfailed,partial,dated,currentness,jurisdiction,crossreference,judicial,andactualapplicationholdsremain;notall-claimacceptance.","independent_state_parent_component_accepted":false}},{"claim_id":"S_AZ-P08-C003","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P08-C003","Actor and predicate":"Credit arrangement primarily for personal, family, or household purposes","Rule, consequence, or hold":"“Extension of credit” includes a right to defer debt payment or incur debt and defer payment. The Arizona definition contains a consumer-purpose limitation.","Primary evidence and limits":"S001, § 44-1701(3), https://www.azleg.gov/ars/44/01701.htm. High-text; mixed-purpose classification held."},"coordinator_verification_status":"scoped_atomic_reconciliation_with_selected_primary_and_holds","coordinator_source_ids":["S_AZ-P08-S001"],"coordinator_related_claim_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T06:23:50.586874+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","original_locations":[[6392,6741]],"unreopened_source_ids":[],"material_correction_ids":[],"scope":"Wholeatomic/narrative/tablecontextread;selectedbodiesonlysupported. Originalfailed,partial,dated,currentness,jurisdiction,crossreference,judicial,andactualapplicationholdsremain;notall-claimacceptance.","independent_state_parent_component_accepted":false}},{"claim_id":"S_AZ-P08-C004","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P08-C004","Actor and predicate":"Negotiator obtaining forbearance, a new payment schedule, or principal reduction","Rule, consequence, or hold":"A newly granted deferral right is textually relevant. Whether a concession alone is “obtaining” credit remains unresolved; no responsive published Arizona construction was located in the bounded search. Principal reduction alone does not establish a deferral right.","Primary evidence and limits":"S001, § 44-1701(2)(b), (3), same URL. Inference from text, not a judicial holding or actual classification."},"coordinator_verification_status":"scoped_atomic_reconciliation_with_selected_primary_and_holds","coordinator_source_ids":["S_AZ-P08-S001"],"coordinator_related_claim_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T06:23:50.586874+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","original_locations":[[6742,7210]],"unreopened_source_ids":[],"material_correction_ids":[],"scope":"Wholeatomic/narrative/tablecontextread;selectedbodiesonlysupported. Originalfailed,partial,dated,currentness,jurisdiction,crossreference,judicial,andactualapplicationholdsremain;notall-claimacceptance.","independent_state_parent_component_accepted":false}},{"claim_id":"S_AZ-P08-C005","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P08-C005","Actor and predicate":"Monitoring, education, “free” repair, referrals, or separately priced mixed services","Rule, consequence, or hold":"Labels and invoice separation do not displace the statutory predicates. Whether indirect consideration or an integrated package supplies those predicates requires actual facts; no assurance follows from charging through an affiliate or separating prices.","Primary evidence and limits":"S001, § 44-1701(2), same URL; S030, Stout, pp. 12–18, https://cdn.ca9.uscourts.gov/datastore/opinions/2014/02/21/10-56887.pdf. Conditional; Stout construes federal CROA."},"coordinator_verification_status":"scoped_atomic_reconciliation_with_selected_primary_and_holds","coordinator_source_ids":["S_AZ-P08-S001","S_AZ-P08-S030"],"coordinator_related_claim_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T06:23:50.586874+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","original_locations":[[7211,7734]],"unreopened_source_ids":[],"material_correction_ids":[],"scope":"Wholeatomic/narrative/tablecontextread;selectedbodiesonlysupported. Originalfailed,partial,dated,currentness,jurisdiction,crossreference,judicial,andactualapplicationholdsremain;notall-claimacceptance.","independent_state_parent_component_accepted":false}},{"claim_id":"S_AZ-P08-C006","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P08-C006","Actor and predicate":"Arizona-based conduct directed to nonresident buyers","Rule, consequence, or hold":"Sgrillo rejected nonresident-buyer immunity for the Arizona conduct before it. That decision supports the outbound Arizona situation it decided.","Primary evidence and limits":"S015, 176 Ariz. 148, 149, https://law.justia.com/cases/arizona/court-of-appeals/1993/176-ariz-148.html. Published majority reproduced by Justia; classification was conceded in the posture described below."},"coordinator_verification_status":"scoped_atomic_reconciliation_with_selected_primary_and_holds","coordinator_source_ids":["S_AZ-P08-S015"],"coordinator_related_claim_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T06:23:50.586874+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","original_locations":[[7735,8151]],"unreopened_source_ids":[],"material_correction_ids":[],"scope":"Wholeatomic/narrative/tablecontextread;selectedbodiesonlysupported. Originalfailed,partial,dated,currentness,jurisdiction,crossreference,judicial,andactualapplicationholdsremain;notall-claimacceptance.","independent_state_parent_component_accepted":false}},{"claim_id":"S_AZ-P08-C007","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P08-C007","Actor and predicate":"Remote seller outside Arizona contacting an Arizona buyer","Rule, consequence, or hold":"Section 44-1701 supplies no express residence-based safe harbor. Sgrillo does not itself decide the reverse, remote-to-Arizona situation. Territorial jurisdiction, choice of law, and particular contacts remain held.","Primary evidence and limits":"S001, § 44-1701; S015, p. 149, URLs in C001/C006. Text plus bounded holding; no universal nexus conclusion."},"coordinator_verification_status":"scoped_atomic_reconciliation_with_selected_primary_and_holds","coordinator_source_ids":["S_AZ-P08-S001","S_AZ-P08-S015"],"coordinator_related_claim_ids":["S_AZ-P08-C001","S_AZ-P08-C006"],"coordinator_review":{"reviewed_at":"2026-10-29T06:23:50.586874+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","original_locations":[[8152,8547]],"unreopened_source_ids":[],"material_correction_ids":[],"scope":"Wholeatomic/narrative/tablecontextread;selectedbodiesonlysupported. Originalfailed,partial,dated,currentness,jurisdiction,crossreference,judicial,andactualapplicationholdsremain;notall-claimacceptance.","independent_state_parent_component_accepted":false}},{"claim_id":"S_AZ-P08-C008","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P08-C008","Actor and predicate":"Lender or credit extender invoking § 44-1702(1)","Rule, consequence, or hold":"The person must have the specified Arizona/federal organization, charter, license, or authorization to lend/extend credit and be subject to Arizona/federal official regulation and supervision. A lending label alone is insufficient.","Primary evidence and limits":"S001, § 44-1702(1), https://www.azleg.gov/ars/44/01702.htm. High-text; actual credentials held."},"coordinator_verification_status":"scoped_atomic_reconciliation_with_selected_primary_and_holds","coordinator_source_ids":["S_AZ-P08-S001"],"coordinator_related_claim_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T06:23:50.586874+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","original_locations":[[8548,8937]],"unreopened_source_ids":[],"material_correction_ids":[],"scope":"Wholeatomic/narrative/tablecontextread;selectedbodiesonlysupported. Originalfailed,partial,dated,currentness,jurisdiction,crossreference,judicial,andactualapplicationholdsremain;notall-claimacceptance.","independent_state_parent_component_accepted":false}},{"claim_id":"S_AZ-P08-C009","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P08-C009","Actor and predicate":"Bank or savings-and-loan institution","Rule, consequence, or hold":"The state exclusion concerns an institution whose deposits/accounts are eligible for FDIC or the text’s historical FSLIC insurance. The obsolete institutional name is preserved as written, not silently modernized.","Primary evidence and limits":"S001, § 44-1702(2), same URL. High-text; institutional and insurance predicates held."},"coordinator_verification_status":"scoped_atomic_reconciliation_with_selected_primary_and_holds","coordinator_source_ids":["S_AZ-P08-S001"],"coordinator_related_claim_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T06:23:50.586874+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","original_locations":[[8938,9288]],"unreopened_source_ids":[],"material_correction_ids":[],"scope":"Wholeatomic/narrative/tablecontextread;selectedbodiesonlysupported. Originalfailed,partial,dated,currentness,jurisdiction,crossreference,judicial,andactualapplicationholdsremain;notall-claimacceptance.","independent_state_parent_component_accepted":false}},{"claim_id":"S_AZ-P08-C010","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P08-C010","Actor and predicate":"Arizona real-estate broker","Rule, consequence, or hold":"Exclusion applies while acting within the course and scope of the Arizona broker license.","Primary evidence and limits":"S001, § 44-1702(3), same URL. High-text; no blanket exclusion for an affiliated repair business."},"coordinator_verification_status":"scoped_atomic_reconciliation_with_selected_primary_and_holds","coordinator_source_ids":["S_AZ-P08-S001"],"coordinator_related_claim_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T06:23:50.586874+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","original_locations":[[9289,9516]],"unreopened_source_ids":[],"material_correction_ids":[],"scope":"Wholeatomic/narrative/tablecontextread;selectedbodiesonlysupported. Originalfailed,partial,dated,currentness,jurisdiction,crossreference,judicial,andactualapplicationholdsremain;notall-claimacceptance.","independent_state_parent_component_accepted":false}},{"claim_id":"S_AZ-P08-C011","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P08-C011","Actor and predicate":"Arizona-licensed attorney","Rule, consequence, or hold":"Exclusion applies to services within the course and scope of the attorney’s practice. Attorney ownership, referral, or connection alone does not prove that predicate.","Primary evidence and limits":"S001, § 44-1702(4), same URL. High-text; federal treatment differs, C048."},"coordinator_verification_status":"scoped_atomic_reconciliation_with_selected_primary_and_holds","coordinator_source_ids":["S_AZ-P08-S001"],"coordinator_related_claim_ids":["S_AZ-P08-C048"],"coordinator_review":{"reviewed_at":"2026-10-29T06:23:50.586874+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","original_locations":[[9517,9797]],"unreopened_source_ids":[],"material_correction_ids":[],"scope":"Wholeatomic/narrative/tablecontextread;selectedbodiesonlysupported. Originalfailed,partial,dated,currentness,jurisdiction,crossreference,judicial,andactualapplicationholdsremain;notall-claimacceptance.","independent_state_parent_component_accepted":false}},{"claim_id":"S_AZ-P08-C012","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P08-C012","Actor and predicate":"SEC- or CFTC-registered broker-dealer","Rule, consequence, or hold":"Exclusion requires acting within the course and scope of that regulation.","Primary evidence and limits":"S001, § 44-1702(5), same URL. High-text; actual registration/scope not queried."},"coordinator_verification_status":"scoped_atomic_reconciliation_with_selected_primary_and_holds","coordinator_source_ids":["S_AZ-P08-S001"],"coordinator_related_claim_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T06:23:50.586874+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","original_locations":[[9798,10003]],"unreopened_source_ids":[],"material_correction_ids":[],"scope":"Wholeatomic/narrative/tablecontextread;selectedbodiesonlysupported. Originalfailed,partial,dated,currentness,jurisdiction,crossreference,judicial,andactualapplicationholdsremain;notall-claimacceptance.","independent_state_parent_component_accepted":false}},{"claim_id":"S_AZ-P08-C013","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P08-C013","Actor and predicate":"Nonprofit invoking the Arizona exclusion","Rule, consequence, or hold":"The organization must be nonprofit and exempt under IRC § 501(c)(3). Incorporation as nonprofit or § 501(c)(4) status is not the specified predicate.","Primary evidence and limits":"S001, § 44-1702(6), same URL; S019, § 501(c)(3), (q), https://uscode.house.gov/us/usc/119-118/t26/s501/. Conditional tax-status inquiry."},"coordinator_verification_status":"scoped_atomic_reconciliation_with_selected_primary_and_holds","coordinator_source_ids":["S_AZ-P08-S001","S_AZ-P08-S019"],"coordinator_related_claim_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T06:23:50.586874+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","original_locations":[[10004,10345]],"unreopened_source_ids":["S_AZ-P08-S019"],"material_correction_ids":[],"scope":"Wholeatomic/narrative/tablecontextread;selectedbodiesonlysupported. Originalfailed,partial,dated,currentness,jurisdiction,crossreference,judicial,andactualapplicationholdsremain;notall-claimacceptance.","independent_state_parent_component_accepted":false}},{"claim_id":"S_AZ-P08-C014","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P08-C014","Actor and predicate":"Employee, affiliate, ordinary creditor, or agent","Rule, consequence, or hold":"The six listed state exclusions do not contain separate blanket employee, affiliate, or ordinary-own-creditor exemptions. An own-creditor transaction may instead fail the “credit by others” definition; that is a different analysis.","Primary evidence and limits":"S001, §§ 44-1701(2), 44-1702, https://www.azleg.gov/ars/44/01701.htm, https://www.azleg.gov/ars/44/01702.htm. Bounded textual conclusion."},"coordinator_verification_status":"scoped_atomic_reconciliation_with_selected_primary_and_holds","coordinator_source_ids":["S_AZ-P08-S001"],"coordinator_related_claim_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T06:23:50.586874+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","original_locations":[[10346,10778]],"unreopened_source_ids":[],"material_correction_ids":[],"scope":"Wholeatomic/narrative/tablecontextread;selectedbodiesonlysupported. Originalfailed,partial,dated,currentness,jurisdiction,crossreference,judicial,andactualapplicationholdsremain;notall-claimacceptance.","independent_state_parent_component_accepted":false}},{"claim_id":"S_AZ-P08-C015","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P08-C015","Actor and predicate":"Person asserting an Arizona article exemption","Rule, consequence, or hold":"The exemption claimant bears the burden of proving it.","Primary evidence and limits":"S001, § 44-1709(B), https://www.azleg.gov/ars/44/01709.htm. High-text."},"coordinator_verification_status":"scoped_atomic_reconciliation_with_selected_primary_and_holds","coordinator_source_ids":["S_AZ-P08-S001"],"coordinator_related_claim_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T06:23:50.586874+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","original_locations":[[10779,10964]],"unreopened_source_ids":[],"material_correction_ids":[],"scope":"Wholeatomic/narrative/tablecontextread;selectedbodiesonlysupported. Originalfailed,partial,dated,currentness,jurisdiction,crossreference,judicial,andactualapplicationholdsremain;notall-claimacceptance.","independent_state_parent_component_accepted":false}},{"claim_id":"S_AZ-P08-C016","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P08-C016","Actor and predicate":"CSO and its salespersons, agents, or representatives selling or attempting to sell services","Rule, clock, or consequence":"No charge or receipt of consideration before full and complete performance of all agreed services, unless the CSO has the required compliant surety bond. A bonded CSO’s individual salespersons/agents/representatives need not separately obtain that bond.","Primary evidence and limits":"S001, § 44-1703(1), https://www.azleg.gov/ars/44/01703.htm. State provision only; federal restrictions independently apply."},"coordinator_verification_status":"scoped_atomic_reconciliation_with_selected_primary_and_holds","coordinator_source_ids":["S_AZ-P08-S001"],"coordinator_related_claim_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T06:23:50.586874+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","original_locations":[[11584,12067]],"unreopened_source_ids":[],"material_correction_ids":[],"scope":"Wholeatomic/narrative/tablecontextread;selectedbodiesonlysupported. Originalfailed,partial,dated,currentness,jurisdiction,crossreference,judicial,andactualapplicationholdsremain;notall-claimacceptance.","independent_state_parent_component_accepted":false}},{"claim_id":"S_AZ-P08-C017","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P08-C017","Actor and predicate":"CSO charging solely for a referral","Rule, clock, or consequence":"A fee solely for referring a buyer to a retail seller offering credit on substantially the same terms available to the general public is prohibited.","Primary evidence and limits":"S001, § 44-1703(2), same URL. Does not authorize other referral arrangements."},"coordinator_verification_status":"scoped_atomic_reconciliation_with_selected_primary_and_holds","coordinator_source_ids":["S_AZ-P08-S001"],"coordinator_related_claim_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T06:23:50.586874+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","original_locations":[[12068,12343]],"unreopened_source_ids":[],"material_correction_ids":[],"scope":"Wholeatomic/narrative/tablecontextread;selectedbodiesonlysupported. Originalfailed,partial,dated,currentness,jurisdiction,crossreference,judicial,andactualapplicationholdsremain;notall-claimacceptance.","independent_state_parent_component_accepted":false}},{"claim_id":"S_AZ-P08-C018","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P08-C018","Actor and predicate":"CSO or covered representative making or counseling credit statements","Rule, clock, or consequence":"False or misleading credit statements to a CRA or existing/prospective creditor are prohibited where the actor knows or should know their falsity or misleading character.","Primary evidence and limits":"S001, § 44-1703(3), same URL. No “accurate information deletion” permission inferred."},"coordinator_verification_status":"scoped_atomic_reconciliation_with_selected_primary_and_holds","coordinator_source_ids":["S_AZ-P08-S001"],"coordinator_related_claim_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T06:23:50.586874+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","original_locations":[[12344,12683]],"unreopened_source_ids":[],"material_correction_ids":[],"scope":"Wholeatomic/narrative/tablecontextread;selectedbodiesonlysupported. Originalfailed,partial,dated,currentness,jurisdiction,crossreference,judicial,andactualapplicationholdsremain;notall-claimacceptance.","independent_state_parent_component_accepted":false}},{"claim_id":"S_AZ-P08-C019","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P08-C019","Actor and predicate":"Seller offering or selling CSO services","Rule, clock, or consequence":"Misleading service representations and fraudulent or deceptive acts or practices are prohibited.","Primary evidence and limits":"S001, § 44-1703(4), same URL. A contract disclaimer does not itself resolve a contrary sales representation."},"coordinator_verification_status":"scoped_atomic_reconciliation_with_selected_primary_and_holds","coordinator_source_ids":["S_AZ-P08-S001"],"coordinator_related_claim_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T06:23:50.586874+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","original_locations":[[12684,12943]],"unreopened_source_ids":[],"material_correction_ids":[],"scope":"Wholeatomic/narrative/tablecontextread;selectedbodiesonlysupported. Originalfailed,partial,dated,currentness,jurisdiction,crossreference,judicial,andactualapplicationholdsremain;notall-claimacceptance.","independent_state_parent_component_accepted":false}},{"claim_id":"S_AZ-P08-C020","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P08-C020","Actor and predicate":"CSO relying on the advance-payment bond condition","Rule, clock, or consequence":"The issuer must be a surety authorized to do business in Arizona; a copy of the required bond must be filed with the Corporation Commission. Filing a copy does not establish substantive compliance or an authorization grant.","Primary evidence and limits":"S001, §§ 44-1703(1), 44-1708(A)(1), https://www.azleg.gov/ars/44/01703.htm, https://www.azleg.gov/ars/44/01708.htm. Actual issuer status and instrument held."},"coordinator_verification_status":"scoped_atomic_reconciliation_with_selected_primary_and_holds","coordinator_source_ids":["S_AZ-P08-S001"],"coordinator_related_claim_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T06:23:50.586874+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","original_locations":[[12944,13389]],"unreopened_source_ids":[],"material_correction_ids":[],"scope":"Wholeatomic/narrative/tablecontextread;selectedbodiesonlysupported. Originalfailed,partial,dated,currentness,jurisdiction,crossreference,judicial,andactualapplicationholdsremain;notall-claimacceptance.","independent_state_parent_component_accepted":false}},{"claim_id":"S_AZ-P08-C021","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P08-C021","Actor and predicate":"Bond-required CSO","Rule, clock, or consequence":"Required face amount: B = min($25,000, max($5,000, 0.05 × F)), where F is the statutory preceding-twelve-month fees-charged measure.","Primary evidence and limits":"S001, § 44-1708(C), same bond URL. No CPI adjustment or refund-netting rule appears in this provision."},"coordinator_verification_status":"scoped_atomic_reconciliation_with_selected_primary_and_holds","coordinator_source_ids":["S_AZ-P08-S001"],"coordinator_related_claim_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T06:23:50.586874+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","original_locations":[[13390,13657]],"unreopened_source_ids":[],"material_correction_ids":[],"scope":"Wholeatomic/narrative/tablecontextread;selectedbodiesonlysupported. Originalfailed,partial,dated,currentness,jurisdiction,crossreference,judicial,andactualapplicationholdsremain;notall-claimacceptance.","independent_state_parent_component_accepted":false}},{"claim_id":"S_AZ-P08-C022","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P08-C022","Actor and predicate":"Bond-required CSO at annual adjustment","Rule, clock, or consequence":"Adjust the required amount once yearly, no later than the tenth day of the first month of its fiscal year.","Primary evidence and limits":"S001, § 44-1708(C), final paragraph, same URL. Actual fiscal year and measurement records held."},"coordinator_verification_status":"scoped_atomic_reconciliation_with_selected_primary_and_holds","coordinator_source_ids":["S_AZ-P08-S001"],"coordinator_related_claim_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T06:23:50.586874+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","original_locations":[[13658,13913]],"unreopened_source_ids":[],"material_correction_ids":[],"scope":"Wholeatomic/narrative/tablecontextread;selectedbodiesonlysupported. Originalfailed,partial,dated,currentness,jurisdiction,crossreference,judicial,andactualapplicationholdsremain;notall-claimacceptance.","independent_state_parent_component_accepted":false}},{"claim_id":"S_AZ-P08-C023","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P08-C023","Actor and predicate":"Person damaged by an article violation","Rule, clock, or consequence":"Bond runs in favor of the state for damaged persons and in favor of damaged persons; a claimant may bring an action at law against the CSO and surety.","Primary evidence and limits":"S001, § 44-1708(A)(2)–(3), same URL. This is not an automatic administrative payout."},"coordinator_verification_status":"scoped_atomic_reconciliation_with_selected_primary_and_holds","coordinator_source_ids":["S_AZ-P08-S001"],"coordinator_related_claim_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T06:23:50.586874+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","original_locations":[[13914,14202]],"unreopened_source_ids":[],"material_correction_ids":[],"scope":"Wholeatomic/narrative/tablecontextread;selectedbodiesonlysupported. Originalfailed,partial,dated,currentness,jurisdiction,crossreference,judicial,andactualapplicationholdsremain;notall-claimacceptance.","independent_state_parent_component_accepted":false}},{"claim_id":"S_AZ-P08-C024","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P08-C024","Actor and predicate":"Surety facing valid covered claims","Rule, clock, or consequence":"Surety liability is for actual damages, not § 44-1711 punitive damages, and aggregate liability to all damaged persons cannot exceed the bond amount.","Primary evidence and limits":"S001, § 44-1708(B), same URL. Coverage, remaining capacity, priority, defenses, and actual loss require evidence."},"coordinator_verification_status":"scoped_atomic_reconciliation_with_selected_primary_and_holds","coordinator_source_ids":["S_AZ-P08-S001"],"coordinator_related_claim_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T06:23:50.586874+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","original_locations":[[14203,14515]],"unreopened_source_ids":[],"material_correction_ids":[],"scope":"Wholeatomic/narrative/tablecontextread;selectedbodiesonlysupported. Originalfailed,partial,dated,currentness,jurisdiction,crossreference,judicial,andactualapplicationholdsremain;notall-claimacceptance.","independent_state_parent_component_accepted":false}},{"claim_id":"S_AZ-P08-C025","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P08-C025","Actor and predicate":"Person assessing the CSO article as a market-access system","Rule, clock, or consequence":"The read Article 7 does not establish a separate general CSO license or a trust-account alternative to its bond condition. That bounded finding is not a conclusion that no other law or rule can apply.","Primary evidence and limits":"S001, §§ 44-1701–1712; S010 partial rule inventory, https://apps.azsos.gov/public_services/Title_14/14-01.pdf. Broader rule/authorization inventory held."},"coordinator_verification_status":"scoped_atomic_reconciliation_with_selected_primary_and_holds","coordinator_source_ids":["S_AZ-P08-S001","S_AZ-P08-S010"],"coordinator_related_claim_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T06:23:50.586874+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","original_locations":[[14516,14943]],"unreopened_source_ids":["S_AZ-P08-S010"],"material_correction_ids":[],"scope":"Wholeatomic/narrative/tablecontextread;selectedbodiesonlysupported. Originalfailed,partial,dated,currentness,jurisdiction,crossreference,judicial,andactualapplicationholdsremain;notall-claimacceptance.","independent_state_parent_component_accepted":false}},{"claim_id":"S_AZ-P08-C026","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P08-C026","Actor and predicate":"Person following the public bond-copy procedure","Rule, clock, or consequence":"Arizona Commerce Authority instructions describe sending a bond copy with a letter to the ACC Corporations Division Records Section for the public company record and state no fee for that procedure.","Primary evidence and limits":"S011, “Credit Repair/Credit Services,” https://www.azcommerce.com/small-business/checklist-items/additional-business-occupations-and-activities/credit-repaircredit-services/. Undated guidance; $0 is not a universal business, expedited-service, or licensing total."},"coordinator_verification_status":"scoped_atomic_reconciliation_with_selected_primary_and_holds","coordinator_source_ids":["S_AZ-P08-S011"],"coordinator_related_claim_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T06:23:50.586874+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","original_locations":[[14944,15468]],"unreopened_source_ids":[],"material_correction_ids":[],"scope":"Wholeatomic/narrative/tablecontextread;selectedbodiesonlysupported. Originalfailed,partial,dated,currentness,jurisdiction,crossreference,judicial,andactualapplicationholdsremain;notall-claimacceptance.","independent_state_parent_component_accepted":false}},{"claim_id":"S_AZ-P08-C027","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P08-C027","Actor and predicate":"Person needing a current approved bond instrument or cancellation/claim rider","Rule, clock, or consequence":"Generic ACC form lists and a generic cover sheet were read; no current CSO-specific approved blank bond, cancellation rider, or claim form was authenticated. Those documents and their operative versions remain held.","Primary evidence and limits":"S012–S013, https://www.azcc.gov/corporations/forms, https://www.azcc.gov/corporations/forms/corporation-forms. No inference of nonexistence."},"coordinator_verification_status":"scoped_atomic_reconciliation_with_selected_primary_and_holds","coordinator_source_ids":["S_AZ-P08-S012","S_AZ-P08-S013"],"coordinator_related_claim_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T06:23:50.586874+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","original_locations":[[15469,15917]],"unreopened_source_ids":["S_AZ-P08-S012","S_AZ-P08-S013"],"material_correction_ids":[],"scope":"Wholeatomic/narrative/tablecontextread;selectedbodiesonlysupported. Originalfailed,partial,dated,currentness,jurisdiction,crossreference,judicial,andactualapplicationholdsremain;notall-claimacceptance.","independent_state_parent_component_accepted":false}},{"claim_id":"S_AZ-P08-C028","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P08-C028","Actor and predicate":"CSO approaching contract execution or payment","Required act, trigger, clock, or consequence":"Give the required written information statement before execution or receipt of consideration, whichever occurs first.","Primary evidence and limits":"S001, § 44-1704(A), https://www.azleg.gov/ars/44/01704.htm. High-text."},"coordinator_verification_status":"scoped_atomic_reconciliation_with_selected_primary_and_holds","coordinator_source_ids":["S_AZ-P08-S001"],"coordinator_related_claim_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T06:23:50.586874+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","original_locations":[[16277,16525]],"unreopened_source_ids":[],"material_correction_ids":[],"scope":"Wholeatomic/narrative/tablecontextread;selectedbodiesonlysupported. Originalfailed,partial,dated,currentness,jurisdiction,crossreference,judicial,andactualapplicationholdsremain;notall-claimacceptance.","independent_state_parent_component_accepted":false}},{"claim_id":"S_AZ-P08-C029","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P08-C029","Actor and predicate":"CSO preparing that statement","Required act, trigger, clock, or consequence":"Include accurate file/dispute rights, approximate CRA file-copy charge, complete services, total payment/obligation, and, where a bond is required, bond rights and surety name/address.","Primary evidence and limits":"S001, § 44-1705(1)–(4), https://www.azleg.gov/ars/44/01705.htm. Linked Arizona reporting provisions were read."},"coordinator_verification_status":"scoped_atomic_reconciliation_with_selected_primary_and_holds","coordinator_source_ids":["S_AZ-P08-S001"],"coordinator_related_claim_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T06:23:50.586874+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","original_locations":[[16526,16864]],"unreopened_source_ids":[],"material_correction_ids":[],"scope":"Wholeatomic/narrative/tablecontextread;selectedbodiesonlysupported. Originalfailed,partial,dated,currentness,jurisdiction,crossreference,judicial,andactualapplicationholdsremain;notall-claimacceptance.","independent_state_parent_component_accepted":false}},{"claim_id":"S_AZ-P08-C030","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P08-C030","Actor and predicate":"Consumer exercising the incorporated Arizona reporting rights","Required act, trigger, clock, or consequence":"Section 44-1693 addresses identification, file/source/requestor access, assistance, and specified free-copy circumstances; § 44-1694 provides written-error investigation and correction rights. Its § 44-1694(D)(2) dispute statement is without charge.","Primary evidence and limits":"S001, §§ 44-1693(A)–(D), 44-1694(A)–(D), https://www.azleg.gov/ars/44/01693.htm, https://www.azleg.gov/ars/44/01694.htm. This is not a complete FCRA analysis."},"coordinator_verification_status":"scoped_atomic_reconciliation_with_selected_primary_and_holds","coordinator_source_ids":["S_AZ-P08-S001"],"coordinator_related_claim_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T06:23:50.586874+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","original_locations":[[16865,17349]],"unreopened_source_ids":[],"material_correction_ids":[],"scope":"Wholeatomic/narrative/tablecontextread;selectedbodiesonlysupported. Originalfailed,partial,dated,currentness,jurisdiction,crossreference,judicial,andactualapplicationholdsremain;notall-claimacceptance.","independent_state_parent_component_accepted":false}},{"claim_id":"S_AZ-P08-C031","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P08-C031","Actor and predicate":"CSO retaining acknowledgment","Required act, trigger, clock, or consequence":"Retain an exact copy of the information statement personally signed by the buyer acknowledging receipt, in file or microfilm, for two years.","Primary evidence and limits":"S001, § 44-1704(B), https://www.azleg.gov/ars/44/01704.htm. The state sentence does not expressly specify the starting event as the federal provision does."},"coordinator_verification_status":"scoped_atomic_reconciliation_with_selected_primary_and_holds","coordinator_source_ids":["S_AZ-P08-S001"],"coordinator_related_claim_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T06:23:50.586874+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","original_locations":[[17350,17689]],"unreopened_source_ids":[],"material_correction_ids":[],"scope":"Wholeatomic/narrative/tablecontextread;selectedbodiesonlysupported. Originalfailed,partial,dated,currentness,jurisdiction,crossreference,judicial,andactualapplicationholdsremain;notall-claimacceptance.","independent_state_parent_component_accepted":false}},{"claim_id":"S_AZ-P08-C032","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P08-C032","Actor and predicate":"CSO entering a buyer contract","Required act, trigger, clock, or consequence":"Contract must be written, dated, buyer-signed; state payments to the CSO or others; fully describe services, guarantees and refund promises; give estimated completion date/duration, principal address, and process-agent name/address.","Primary evidence and limits":"S001, § 44-1706(A)(2)–(4), https://www.azleg.gov/ars/44/01706.htm. A promise is not proof of performance."},"coordinator_verification_status":"scoped_atomic_reconciliation_with_selected_primary_and_holds","coordinator_source_ids":["S_AZ-P08-S001"],"coordinator_related_claim_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T06:23:50.586874+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","original_locations":[[17690,18072]],"unreopened_source_ids":[],"material_correction_ids":[],"scope":"Wholeatomic/narrative/tablecontextread;selectedbodiesonlysupported. Originalfailed,partial,dated,currentness,jurisdiction,crossreference,judicial,andactualapplicationholdsremain;notall-claimacceptance.","independent_state_parent_component_accepted":false}},{"claim_id":"S_AZ-P08-C033","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P08-C033","Actor and predicate":"CSO presenting the signature page","Required act, trigger, clock, or consequence":"Place the prescribed conspicuous cancellation statement in at least ten-point type, immediately near the buyer’s signature space.","Primary evidence and limits":"S001, § 44-1706(A)(1), same URL. No federal ten-point requirement is inferred from this state provision."},"coordinator_verification_status":"scoped_atomic_reconciliation_with_selected_primary_and_holds","coordinator_source_ids":["S_AZ-P08-S001"],"coordinator_related_claim_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T06:23:50.586874+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","original_locations":[[18073,18355]],"unreopened_source_ids":[],"material_correction_ids":[],"scope":"Wholeatomic/narrative/tablecontextread;selectedbodiesonlysupported. Originalfailed,partial,dated,currentness,jurisdiction,crossreference,judicial,andactualapplicationholdsremain;notall-claimacceptance.","independent_state_parent_component_accepted":false}},{"claim_id":"S_AZ-P08-C034","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P08-C034","Actor and predicate":"CSO providing cancellation documents and copies","Required act, trigger, clock, or consequence":"Attach an easily detachable, completed cancellation notice in duplicate, at least ten-point type and in the contract’s language. Give the completed contract and required signed documents when signed.","Primary evidence and limits":"S001, § 44-1706(B)–(C), same URL. Actual language, placement, completion, and delivery held."},"coordinator_verification_status":"scoped_atomic_reconciliation_with_selected_primary_and_holds","coordinator_source_ids":["S_AZ-P08-S001"],"coordinator_related_claim_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T06:23:50.586874+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","original_locations":[[18356,18710]],"unreopened_source_ids":[],"material_correction_ids":[],"scope":"Wholeatomic/narrative/tablecontextread;selectedbodiesonlysupported. Originalfailed,partial,dated,currentness,jurisdiction,crossreference,judicial,andactualapplicationholdsremain;notall-claimacceptance.","independent_state_parent_component_accepted":false}},{"claim_id":"S_AZ-P08-C035","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P08-C035","Actor and predicate":"Buyer invoking Arizona ordinary cancellation","Required act, trigger, clock, or consequence":"Signature-adjacent text refers to midnight of the third day after the transaction date; the attached notice refers to three days from contract signing. Neither says “business” days.","Primary evidence and limits":"S001, § 44-1706(A)(1), (B), same URL. Different transaction/signing dates and endpoint harmonization remain unresolved."},"coordinator_verification_status":"scoped_atomic_reconciliation_with_selected_primary_and_holds","coordinator_source_ids":["S_AZ-P08-S001"],"coordinator_related_claim_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T06:23:50.586874+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","original_locations":[[18711,19071]],"unreopened_source_ids":[],"material_correction_ids":[],"scope":"Wholeatomic/narrative/tablecontextread;selectedbodiesonlysupported. Originalfailed,partial,dated,currentness,jurisdiction,crossreference,judicial,andactualapplicationholdsremain;notall-claimacceptance.","independent_state_parent_component_accepted":false}},{"claim_id":"S_AZ-P08-C036","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P08-C036","Actor and predicate":"CSO receiving a qualifying cancellation notice","Required act, trigger, clock, or consequence":"Required notice states that any payment under the contract will be returned within 15 days after the CSO receives cancellation.","Primary evidence and limits":"S001, § 44-1706(B), same URL. This is a receipt-triggered state refund provision, not a general federal fifteen-day rule."},"coordinator_verification_status":"scoped_atomic_reconciliation_with_selected_primary_and_holds","coordinator_source_ids":["S_AZ-P08-S001"],"coordinator_related_claim_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T06:23:50.586874+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","original_locations":[[19072,19382]],"unreopened_source_ids":[],"material_correction_ids":[],"scope":"Wholeatomic/narrative/tablecontextread;selectedbodiesonlysupported. Originalfailed,partial,dated,currentness,jurisdiction,crossreference,judicial,andactualapplicationholdsremain;notall-claimacceptance.","independent_state_parent_component_accepted":false}},{"claim_id":"S_AZ-P08-C037","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P08-C037","Actor and predicate":"Buyer using the prescribed cancellation route","Required act, trigger, clock, or consequence":"Notice provides for mailing or delivering a signed, dated notice, or other written notice, to the CSO’s address before the specified date/time. Sending and receipt are separate events; electronic substitution and disputed endpoint cases remain held.","Primary evidence and limits":"S001, § 44-1706(B), same URL. No invented requirement that mailing and receipt occur simultaneously."},"coordinator_verification_status":"scoped_atomic_reconciliation_with_selected_primary_and_holds","coordinator_source_ids":["S_AZ-P08-S001"],"coordinator_related_claim_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T06:23:50.586874+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","original_locations":[[19383,19793]],"unreopened_source_ids":[],"material_correction_ids":[],"scope":"Wholeatomic/narrative/tablecontextread;selectedbodiesonlysupported. Originalfailed,partial,dated,currentness,jurisdiction,crossreference,judicial,andactualapplicationholdsremain;notall-claimacceptance.","independent_state_parent_component_accepted":false}},{"claim_id":"S_AZ-P08-C038","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P08-C038","Actor and predicate":"CSO breaching an obligation or contract","Required act, trigger, clock, or consequence":"Breach of a contract or obligation under the article is itself an article violation.","Primary evidence and limits":"S001, § 44-1707, https://www.azleg.gov/ars/44/01707.htm. Remedy still depends on its separate predicates."},"coordinator_verification_status":"scoped_atomic_reconciliation_with_selected_primary_and_holds","coordinator_source_ids":["S_AZ-P08-S001"],"coordinator_related_claim_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T06:23:50.586874+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","original_locations":[[19794,20038]],"unreopened_source_ids":[],"material_correction_ids":[],"scope":"Wholeatomic/narrative/tablecontextread;selectedbodiesonlysupported. Originalfailed,partial,dated,currentness,jurisdiction,crossreference,judicial,andactualapplicationholdsremain;notall-claimacceptance.","independent_state_parent_component_accepted":false}},{"claim_id":"S_AZ-P08-C039","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P08-C039","Actor and predicate":"Person obtaining a buyer waiver","Required act, trigger, clock, or consequence":"Waiver is void; attempting to obtain it violates the article.","Primary evidence and limits":"S001, § 44-1709(A), https://www.azleg.gov/ars/44/01709.htm. Do not confuse this with a universal arbitration prohibition."},"coordinator_verification_status":"scoped_atomic_reconciliation_with_selected_primary_and_holds","coordinator_source_ids":["S_AZ-P08-S001"],"coordinator_related_claim_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T06:23:50.586874+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","original_locations":[[20039,20268]],"unreopened_source_ids":[],"material_correction_ids":[],"scope":"Wholeatomic/narrative/tablecontextread;selectedbodiesonlysupported. Originalfailed,partial,dated,currentness,jurisdiction,crossreference,judicial,andactualapplicationholdsremain;notall-claimacceptance.","independent_state_parent_component_accepted":false}},{"claim_id":"S_AZ-P08-C040","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P08-C040","Actor and predicate":"Buyer injured by a violation or contract breach","Required act, trigger, clock, or consequence":"Buyer may sue; actual damages have a floor of the amount paid the CSO, with reasonable attorney fees/costs, and punitive damages if the court considers them proper.","Primary evidence and limits":"S001, § 44-1711, https://www.azleg.gov/ars/44/01711.htm. Injury, liability, proof, and judicial determination are necessary; no automatic award."},"coordinator_verification_status":"scoped_atomic_reconciliation_with_selected_primary_and_holds","coordinator_source_ids":["S_AZ-P08-S001"],"coordinator_related_claim_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T06:23:50.586874+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","original_locations":[[20269,20640]],"unreopened_source_ids":[],"material_correction_ids":[],"scope":"Wholeatomic/narrative/tablecontextread;selectedbodiesonlysupported. Originalfailed,partial,dated,currentness,jurisdiction,crossreference,judicial,andactualapplicationholdsremain;notall-claimacceptance.","independent_state_parent_component_accepted":false}},{"claim_id":"S_AZ-P08-C041","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P08-C041","Actor and predicate":"Violator or public enforcer","Required act, trigger, clock, or consequence":"Specified violations of §§ 44-1703–1706 and 44-1709(A) are class 1 misdemeanors; superior-court injunctive authority and AG/county/city enforcement are specified. Mere seller contract breach is expressly outside that misdemeanor provision.","Primary evidence and limits":"S001, § 44-1710(A)–(E), https://www.azleg.gov/ars/44/01710.htm. Full criminal/enforcement procedure deferred."},"coordinator_verification_status":"scoped_atomic_reconciliation_with_selected_primary_and_holds","coordinator_source_ids":["S_AZ-P08-S001"],"coordinator_related_claim_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T06:23:50.586874+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","original_locations":[[20641,21032]],"unreopened_source_ids":[],"material_correction_ids":[],"scope":"Wholeatomic/narrative/tablecontextread;selectedbodiesonlysupported. Originalfailed,partial,dated,currentness,jurisdiction,crossreference,judicial,andactualapplicationholdsremain;notall-claimacceptance.","independent_state_parent_component_accepted":false}},{"claim_id":"S_AZ-P08-C042","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P08-C042","Actor and predicate":"AG pursuing independently established consumer fraud","Required act, trigger, clock, or consequence":"A willful § 44-1522 violation can support a court-imposed civil penalty of up to $10,000 per violation for the state. A CSO violation is not automatically every required CFA predicate.","Primary evidence and limits":"S001, §§ 44-1521, 44-1522(A), 44-1531(A)–(B), https://www.azleg.gov/ars/44/01521.htm, https://www.azleg.gov/ars/44/01522.htm, https://www.azleg.gov/ars/44/01531.htm. No consumer entitlement to that public penalty."},"coordinator_verification_status":"scoped_atomic_reconciliation_with_selected_primary_and_holds","coordinator_source_ids":["S_AZ-P08-S001"],"coordinator_related_claim_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T06:23:50.586874+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","original_locations":[[21033,21498]],"unreopened_source_ids":[],"material_correction_ids":[],"scope":"Wholeatomic/narrative/tablecontextread;selectedbodiesonlysupported. Originalfailed,partial,dated,currentness,jurisdiction,crossreference,judicial,andactualapplicationholdsremain;notall-claimacceptance.","independent_state_parent_component_accepted":false}},{"claim_id":"S_AZ-P08-C043","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P08-C043","Actor and predicate":"Person using interstate instrumentalities or mails, for money/valuable consideration, with an express or implied credit-improvement purpose","Federal result":"CROA includes providing or representing credit-record/history/rating improvement, or advice/assistance about it. A consumer is an individual.","Primary evidence and limits":"S016, 15 U.S.C. § 1679a(1), (3)(A), https://uscode.house.gov/us/usc/119-118/t15/s1679a/. Read body currency October 7."},"coordinator_verification_status":"scoped_atomic_reconciliation_with_selected_primary_and_holds","coordinator_source_ids":["S_AZ-P08-S016"],"coordinator_related_claim_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T06:23:50.586874+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","original_locations":[[22173,22587]],"unreopened_source_ids":[],"material_correction_ids":[],"scope":"Wholeatomic/narrative/tablecontextread;selectedbodiesonlysupported. Originalfailed,partial,dated,currentness,jurisdiction,crossreference,judicial,andactualapplicationholdsremain;notall-claimacceptance.","independent_state_parent_component_accepted":false}},{"claim_id":"S_AZ-P08-C044","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P08-C044","Actor and predicate":"Individual or mixed/business-purpose arrangement","Federal result":"Section 1679a(2) defines consumer credit transactions as PFH; § 1679a(3)’s organization definition does not expressly use that defined phrase. Do not automatically import Arizona’s purpose limitation into every CROA case. Its printed § 1602(e) credit reference was redesignated § 1602(f), as the OLRC note explains.","Primary evidence and limits":"S016, § 1679a(2)–(4), editorial reference note; S020, § 1602(f), https://uscode.house.gov/us/usc/119-118/t15/s1602/. Mixed-purpose application held."},"coordinator_verification_status":"scoped_atomic_reconciliation_with_selected_primary_and_holds","coordinator_source_ids":["S_AZ-P08-S016","S_AZ-P08-S020"],"coordinator_related_claim_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T06:23:50.586874+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","original_locations":[[22588,23115]],"unreopened_source_ids":["S_AZ-P08-S020"],"material_correction_ids":[],"scope":"Wholeatomic/narrative/tablecontextread;selectedbodiesonlysupported. Originalfailed,partial,dated,currentness,jurisdiction,crossreference,judicial,andactualapplicationholdsremain;notall-claimacceptance.","independent_state_parent_component_accepted":false}},{"claim_id":"S_AZ-P08-C045","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P08-C045","Actor and predicate":"Nonprofit claiming CROA exclusion","Federal result":"Must be nonprofit and tax-exempt under § 501(c)(3). A nonprofit label or § 501(c)(4) alone does not meet this wording.","Primary evidence and limits":"S016, § 1679a(3)(B)(i), definition URL above; S019, § 501(c)(3), (q). Actual status held."},"coordinator_verification_status":"scoped_atomic_reconciliation_with_selected_primary_and_holds","coordinator_source_ids":["S_AZ-P08-S016","S_AZ-P08-S019"],"coordinator_related_claim_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T06:23:50.586874+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","original_locations":[[23116,23372]],"unreopened_source_ids":["S_AZ-P08-S019"],"material_correction_ids":[],"scope":"Wholeatomic/narrative/tablecontextread;selectedbodiesonlysupported. Originalfailed,partial,dated,currentness,jurisdiction,crossreference,judicial,andactualapplicationholdsremain;notall-claimacceptance.","independent_state_parent_component_accepted":false}},{"claim_id":"S_AZ-P08-C046","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P08-C046","Actor and predicate":"Creditor restructuring a consumer’s debt","Federal result":"Exclusion is limited to a creditor within § 1602’s definition, to the extent it assists restructuring debt owed by that consumer to that creditor. Not every assignee or unrelated repair vendor satisfies that test.","Primary evidence and limits":"S016, § 1679a(3)(B)(ii); S020, § 1602(g), URLs above. Regular-credit/initial-payee and special statutory branches require facts."},"coordinator_verification_status":"scoped_atomic_reconciliation_with_selected_primary_and_holds","coordinator_source_ids":["S_AZ-P08-S016","S_AZ-P08-S020"],"coordinator_related_claim_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T06:23:50.586874+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","original_locations":[[23373,23770]],"unreopened_source_ids":["S_AZ-P08-S020"],"material_correction_ids":[],"scope":"Wholeatomic/narrative/tablecontextread;selectedbodiesonlysupported. Originalfailed,partial,dated,currentness,jurisdiction,crossreference,judicial,andactualapplicationholdsremain;notall-claimacceptance.","independent_state_parent_component_accepted":false}},{"claim_id":"S_AZ-P08-C047","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P08-C047","Actor and predicate":"Depository institution, federal/state credit union, affiliate or subsidiary","Federal result":"CROA excludes the specified institutions and their affiliates/subsidiaries. The incorporated bank/CU definitions were read to the extent identified in S021–S022; actual charter, control, and affiliate construction remain held.","Primary evidence and limits":"S016, § 1679a(3)(B)(iii); S021, https://uscode.house.gov/us/usc/119-118/t12/s1813/; S022, § 101, pp. 1–2, https://www.govinfo.gov/content/pkg/COMPS-264/pdf/COMPS-264.pdf."},"coordinator_verification_status":"scoped_atomic_reconciliation_with_selected_primary_and_holds","coordinator_source_ids":["S_AZ-P08-S021","S_AZ-P08-S022","S_AZ-P08-S016"],"coordinator_related_claim_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T06:23:50.586874+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","original_locations":[[23771,24258]],"unreopened_source_ids":["S_AZ-P08-S021","S_AZ-P08-S022"],"material_correction_ids":[],"scope":"Wholeatomic/narrative/tablecontextread;selectedbodiesonlysupported. Originalfailed,partial,dated,currentness,jurisdiction,crossreference,judicial,andactualapplicationholdsremain;notall-claimacceptance.","independent_state_parent_component_accepted":false}},{"claim_id":"S_AZ-P08-C048","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P08-C048","Actor and predicate":"Attorney, employee, or professional invoking an Arizona exclusion","Federal result":"CROA supplies no general attorney or employee exclusion in § 1679a(3)(B). An Arizona professional exclusion therefore does not end the federal inquiry.","Primary evidence and limits":"S016, § 1679a(3)(B); S031, Gill, Discussion A, https://law.justia.com/cases/federal/appellate-courts/F3/265/944/632739/."},"coordinator_verification_status":"scoped_atomic_reconciliation_with_selected_primary_and_holds","coordinator_source_ids":["S_AZ-P08-S016","S_AZ-P08-S031"],"coordinator_related_claim_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T06:23:50.586874+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","original_locations":[[24259,24611]],"unreopened_source_ids":[],"material_correction_ids":[],"scope":"Wholeatomic/narrative/tablecontextread;selectedbodiesonlysupported. Originalfailed,partial,dated,currentness,jurisdiction,crossreference,judicial,andactualapplicationholdsremain;notall-claimacceptance.","independent_state_parent_component_accepted":false}},{"claim_id":"S_AZ-P08-C049","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P08-C049","Actor and predicate":"Organization whose substantial purpose includes credit counseling and which relies on qualifying tax exemption","Federal result":"Section 501(q) requires tailored counseling, restricts lending/loan negotiation, permits repair only incidentally, prohibits a separately stated repair fee, and imposes inability-to-pay/fee-policy conditions.","Primary evidence and limits":"S019, § 501(q)(1)(A)–(C), (4), https://uscode.house.gov/us/usc/119-118/t26/s501/. These are tax-status conditions, not a new repair fee authorization."},"coordinator_verification_status":"scoped_atomic_reconciliation_with_selected_primary_and_holds","coordinator_source_ids":["S_AZ-P08-S019"],"coordinator_related_claim_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T06:23:50.586874+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","original_locations":[[24612,25096]],"unreopened_source_ids":["S_AZ-P08-S019"],"material_correction_ids":[],"scope":"Wholeatomic/narrative/tablecontextread;selectedbodiesonlysupported. Originalfailed,partial,dated,currentness,jurisdiction,crossreference,judicial,andactualapplicationholdsremain;notall-claimacceptance.","independent_state_parent_component_accepted":false}},{"claim_id":"S_AZ-P08-C050","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P08-C050","Actor and predicate":"Same organization","Federal result":"Additional conditions include public-interest board control; specified 20%/49% voting limits; a 35% ownership restriction in listed nonexempt businesses; referral-compensation restrictions; and, for § 501(c)(3), contribution-solicitation restrictions and generally a 50% creditor-DMP revenue ceiling. Historical 80/70/60% transitions are not current general ceilings.","Primary evidence and limits":"S019, § 501(q)(1)(D)–(F), (2)–(3), same URL. Exact exceptions in the read clauses matter; no actual tax-status decision."},"coordinator_verification_status":"scoped_atomic_reconciliation_with_selected_primary_and_holds","coordinator_source_ids":["S_AZ-P08-S019"],"coordinator_related_claim_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T06:23:50.586874+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","original_locations":[[25097,25617]],"unreopened_source_ids":["S_AZ-P08-S019"],"material_correction_ids":[],"scope":"Wholeatomic/narrative/tablecontextread;selectedbodiesonlysupported. Originalfailed,partial,dated,currentness,jurisdiction,crossreference,judicial,andactualapplicationholdsremain;notall-claimacceptance.","independent_state_parent_component_accepted":false}},{"claim_id":"S_AZ-P08-C051","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P08-C051","Actor and predicate":"Person engaging in the conduct specified by CROA","Required act, clock, or consequence":"Section 1679b(a) prohibits specified false credit statements, identity alteration to conceal accurate nonobsolete adverse information, service misrepresentations, and fraud/deception. Its opening formulation is “No person,” not simply a state-license rule.","Primary evidence and limits":"S016, § 1679b(a)(1)–(4), https://uscode.house.gov/us/usc/119-118/t15/s1679b/. Actual reporting/identity facts held."},"coordinator_verification_status":"scoped_atomic_reconciliation_with_selected_primary_and_holds","coordinator_source_ids":["S_AZ-P08-S016"],"coordinator_related_claim_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T06:23:50.586874+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","original_locations":[[26109,26544]],"unreopened_source_ids":[],"material_correction_ids":[],"scope":"Wholeatomic/narrative/tablecontextread;selectedbodiesonlysupported. Originalfailed,partial,dated,currentness,jurisdiction,crossreference,judicial,andactualapplicationholdsremain;notall-claimacceptance.","independent_state_parent_component_accepted":false}},{"claim_id":"S_AZ-P08-C052","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P08-C052","Actor and predicate":"Covered CRO charging for an agreed service","Required act, clock, or consequence":"It may not charge or receive consideration for an agreed service before that service is fully performed. CROA contains no Arizona-bond exception.","Primary evidence and limits":"S016, § 1679b(b), same URL; S031, Gill, Discussion A. Artificially calling initial work a completed package does not establish completion of all promises."},"coordinator_verification_status":"scoped_atomic_reconciliation_with_selected_primary_and_holds","coordinator_source_ids":["S_AZ-P08-S016","S_AZ-P08-S031"],"coordinator_related_claim_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T06:23:50.586874+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","original_locations":[[26545,26902]],"unreopened_source_ids":[],"material_correction_ids":[],"scope":"Wholeatomic/narrative/tablecontextread;selectedbodiesonlysupported. Originalfailed,partial,dated,currentness,jurisdiction,crossreference,judicial,andactualapplicationholdsremain;notall-claimacceptance.","independent_state_parent_component_accepted":false}},{"claim_id":"S_AZ-P08-C053","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P08-C053","Actor and predicate":"CRO before entering a consumer contract","Required act, clock, or consequence":"Give the prescribed written consumer-rights statement before the contract, in a document separate from other written material. It covers reporting/dispute rights, limits on removing accurate adverse information, cancellation, and legal rights.","Primary evidence and limits":"S016, § 1679c(a)–(b), https://uscode.house.gov/us/usc/119-118/t15/s1679c/. The notice is not an exhaustive modern FCRA treatise."},"coordinator_verification_status":"scoped_atomic_reconciliation_with_selected_primary_and_holds","coordinator_source_ids":["S_AZ-P08-S016"],"coordinator_related_claim_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T06:23:50.586874+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","original_locations":[[26903,27329]],"unreopened_source_ids":[],"material_correction_ids":[],"scope":"Wholeatomic/narrative/tablecontextread;selectedbodiesonlysupported. Originalfailed,partial,dated,currentness,jurisdiction,crossreference,judicial,andactualapplicationholdsremain;notall-claimacceptance.","independent_state_parent_component_accepted":false}},{"claim_id":"S_AZ-P08-C054","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P08-C054","Actor and predicate":"CRO retaining receipt evidence","Required act, clock, or consequence":"Retain the consumer-signed acknowledgment for two years from signature.","Primary evidence and limits":"S016, § 1679c(c), same URL. Distinct from other record-retention duties."},"coordinator_verification_status":"scoped_atomic_reconciliation_with_selected_primary_and_holds","coordinator_source_ids":["S_AZ-P08-S016"],"coordinator_related_claim_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T06:23:50.586874+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","original_locations":[[27330,27519]],"unreopened_source_ids":[],"material_correction_ids":[],"scope":"Wholeatomic/narrative/tablecontextread;selectedbodiesonlysupported. Originalfailed,partial,dated,currentness,jurisdiction,crossreference,judicial,andactualapplicationholdsremain;notall-claimacceptance.","independent_state_parent_component_accepted":false}},{"claim_id":"S_AZ-P08-C055","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P08-C055","Actor and predicate":"CRO entering a services agreement","Required act, clock, or consequence":"Written, dated, consumer-signed contract must contain total payments to it/others, detailed services, guarantees, estimated completion date/duration, name/address, and the prescribed bold signature-adjacent cancellation statement.","Primary evidence and limits":"S016, § 1679d(a)(1), (b), https://uscode.house.gov/us/usc/119-118/t15/s1679d/. Completion is not established by the estimate."},"coordinator_verification_status":"scoped_atomic_reconciliation_with_selected_primary_and_holds","coordinator_source_ids":["S_AZ-P08-S016"],"coordinator_related_claim_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T06:23:50.586874+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","original_locations":[[27520,27924]],"unreopened_source_ids":[],"material_correction_ids":[],"scope":"Wholeatomic/narrative/tablecontextread;selectedbodiesonlysupported. Originalfailed,partial,dated,currentness,jurisdiction,crossreference,judicial,andactualapplicationholdsremain;notall-claimacceptance.","independent_state_parent_component_accepted":false}},{"claim_id":"S_AZ-P08-C056","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P08-C056","Actor and predicate":"CRO starting services","Required act, clock, or consequence":"No services before the end of the three-business-day period beginning on the contract-signing date. This is separately worded from the cancellation right’s “begins after” formulation.","Primary evidence and limits":"S016, § 1679d(a)(2), same URL. Exact boundary-day harmonization held; models avoid it."},"coordinator_verification_status":"scoped_atomic_reconciliation_with_selected_primary_and_holds","coordinator_source_ids":["S_AZ-P08-S016"],"coordinator_related_claim_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T06:23:50.586874+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","original_locations":[[27925,28231]],"unreopened_source_ids":[],"material_correction_ids":[],"scope":"Wholeatomic/narrative/tablecontextread;selectedbodiesonlysupported. Originalfailed,partial,dated,currentness,jurisdiction,crossreference,judicial,andactualapplicationholdsremain;notall-claimacceptance.","independent_state_parent_component_accepted":false}},{"claim_id":"S_AZ-P08-C057","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P08-C057","Actor and predicate":"Consumer cancelling covered agreement","Required act, clock, or consequence":"Operative right permits cancellation without penalty/obligation before midnight of the third business day beginning after execution or the date it otherwise would become enforceable.","Primary evidence and limits":"S016, § 1679e(a), https://uscode.house.gov/us/usc/119-118/t15/s1679e/. No imported other-statute business-day definition."},"coordinator_verification_status":"scoped_atomic_reconciliation_with_selected_primary_and_holds","coordinator_source_ids":["S_AZ-P08-S016"],"coordinator_related_claim_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T06:23:50.586874+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","original_locations":[[28232,28588]],"unreopened_source_ids":[],"material_correction_ids":[],"scope":"Wholeatomic/narrative/tablecontextread;selectedbodiesonlysupported. Originalfailed,partial,dated,currentness,jurisdiction,crossreference,judicial,andactualapplicationholdsremain;notall-claimacceptance.","independent_state_parent_component_accepted":false}},{"claim_id":"S_AZ-P08-C058","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P08-C058","Actor and predicate":"CRO delivering cancellation form and signed documents","Required act, clock, or consequence":"Duplicate bold cancellation form uses “3rd day”, omitting “business”; it specifies mail/delivery of signed, dated written notice. Completed contract, disclosure, and other required signed documents are supplied when signed.","Primary evidence and limits":"S016, § 1679e(b)–(c), same URL; S018, original § 407, 110 Stat. 3009-459, PDF index 459. Discrepancy remains explicit; no general fifteen-day federal refund clock was found here."},"coordinator_verification_status":"scoped_atomic_reconciliation_with_selected_primary_and_holds","coordinator_source_ids":["S_AZ-P08-S016","S_AZ-P08-S018"],"coordinator_related_claim_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T06:23:50.586874+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","original_locations":[[28589,29059]],"unreopened_source_ids":["S_AZ-P08-S018"],"material_correction_ids":[],"scope":"Wholeatomic/narrative/tablecontextread;selectedbodiesonlysupported. Originalfailed,partial,dated,currentness,jurisdiction,crossreference,judicial,andactualapplicationholdsremain;notall-claimacceptance.","independent_state_parent_component_accepted":false}},{"claim_id":"S_AZ-P08-C059","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P08-C059","Actor and predicate":"Person obtaining a CROA waiver","Required act, clock, or consequence":"Waiver is void and unenforceable; attempting to obtain it violates CROA.","Primary evidence and limits":"S016, § 1679f(a)–(b), https://uscode.house.gov/us/usc/119-118/t15/s1679f/. Arbitration distinction in C079."},"coordinator_verification_status":"scoped_atomic_reconciliation_with_selected_primary_and_holds","coordinator_source_ids":["S_AZ-P08-S016"],"coordinator_related_claim_ids":["S_AZ-P08-C079"],"coordinator_review":{"reviewed_at":"2026-10-29T06:23:50.586874+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","original_locations":[[29060,29285]],"unreopened_source_ids":[],"material_correction_ids":[],"scope":"Wholeatomic/narrative/tablecontextread;selectedbodiesonlysupported. Originalfailed,partial,dated,currentness,jurisdiction,crossreference,judicial,andactualapplicationholdsremain;notall-claimacceptance.","independent_state_parent_component_accepted":false}},{"claim_id":"S_AZ-P08-C060","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P08-C060","Actor and predicate":"Noncompliant services contract","Required act, clock, or consequence":"Contract failing applicable CROA provisions is void and may not be enforced by federal/state courts or another person.","Primary evidence and limits":"S016, § 1679f(c), same URL. Actual defect and applicable provisions must be established."},"coordinator_verification_status":"scoped_atomic_reconciliation_with_selected_primary_and_holds","coordinator_source_ids":["S_AZ-P08-S016"],"coordinator_related_claim_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T06:23:50.586874+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","original_locations":[[29286,29538]],"unreopened_source_ids":[],"material_correction_ids":[],"scope":"Wholeatomic/narrative/tablecontextread;selectedbodiesonlysupported. Originalfailed,partial,dated,currentness,jurisdiction,crossreference,judicial,andactualapplicationholdsremain;notall-claimacceptance.","independent_state_parent_component_accepted":false}},{"claim_id":"S_AZ-P08-C061","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P08-C061","Actor and predicate":"Person with a successful CROA liability claim","Required act, clock, or consequence":"Statutory damages measure is the greater of actual damage or amount paid to the CRO; punitive damages are discretionary, with reasonable fees/costs for successful enforcement.","Primary evidence and limits":"S016, § 1679g(a)–(b), https://uscode.house.gov/us/usc/119-118/t15/s1679g/. Not an automatic payment or an instruction to add both alternatives."},"coordinator_verification_status":"scoped_atomic_reconciliation_with_selected_primary_and_holds","coordinator_source_ids":["S_AZ-P08-S016"],"coordinator_related_claim_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T06:23:50.586874+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","original_locations":[[29539,29918]],"unreopened_source_ids":[],"material_correction_ids":[],"scope":"Wholeatomic/narrative/tablecontextread;selectedbodiesonlysupported. Originalfailed,partial,dated,currentness,jurisdiction,crossreference,judicial,andactualapplicationholdsremain;notall-claimacceptance.","independent_state_parent_component_accepted":false}},{"claim_id":"S_AZ-P08-C062","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P08-C062","Actor and predicate":"FTC or authorized state enforcer","Required act, clock, or consequence":"CROA specifies FTC enforcement, including its special jurisdiction provision, and state enforcement subject to statutory notice/intervention and parallel-action restrictions.","Primary evidence and limits":"S016, § 1679h(a)–(c), https://uscode.house.gov/us/usc/119-118/t15/s1679h/. Full remedial procedure and available monetary mechanisms deferred."},"coordinator_verification_status":"scoped_atomic_reconciliation_with_selected_primary_and_holds","coordinator_source_ids":["S_AZ-P08-S016"],"coordinator_related_claim_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T06:23:50.586874+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","original_locations":[[29919,30283]],"unreopened_source_ids":[],"material_correction_ids":[],"scope":"Wholeatomic/narrative/tablecontextread;selectedbodiesonlysupported. Originalfailed,partial,dated,currentness,jurisdiction,crossreference,judicial,andactualapplicationholdsremain;notall-claimacceptance.","independent_state_parent_component_accepted":false}},{"claim_id":"S_AZ-P08-C063","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P08-C063","Actor and predicate":"Actor subject to both state and federal law","Required act, clock, or consequence":"CROA preserves state law except to the extent of inconsistency. An Arizona bond condition cannot remove an applicable federal prohibition.","Primary evidence and limits":"S016, § 1679j, https://uscode.house.gov/us/usc/119-118/t15/s1679j/; newer body also read at https://uscode.house.gov/us/usc/119-134/t15/s1679j/."},"coordinator_verification_status":"scoped_atomic_reconciliation_with_selected_primary_and_holds","coordinator_source_ids":["S_AZ-P08-S016"],"coordinator_related_claim_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T06:23:50.586874+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","original_locations":[[30284,30625]],"unreopened_source_ids":[],"material_correction_ids":[],"scope":"Wholeatomic/narrative/tablecontextread;selectedbodiesonlysupported. Originalfailed,partial,dated,currentness,jurisdiction,crossreference,judicial,andactualapplicationholdsremain;notall-claimacceptance.","independent_state_parent_component_accepted":false}},{"claim_id":"S_AZ-P08-C064","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P08-C064","Actor and predicate":"Seller/telemarketer in a plan, program, or campaign inducing purchases by telephone","Rule or consequence":"The definition requires a campaign involving more than one interstate telephone call. The count concerns the campaign, not a requirement that each consumer receive multiple calls. Seller, telemarketer, customer, credit, and upsell definitions matter separately.","Primary evidence and limits":"S025, 16 C.F.R. §§ 310.1, 310.2(j), (n), (ee), (hh)–(jj), https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310."},"coordinator_verification_status":"scoped_atomic_reconciliation_with_selected_primary_and_holds","coordinator_source_ids":["S_AZ-P08-S025"],"coordinator_related_claim_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T06:23:50.586874+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","original_locations":[[31030,31518]],"unreopened_source_ids":[],"material_correction_ids":[],"scope":"Wholeatomic/narrative/tablecontextread;selectedbodiesonlysupported. Originalfailed,partial,dated,currentness,jurisdiction,crossreference,judicial,andactualapplicationholdsremain;notall-claimacceptance.","independent_state_parent_component_accepted":false}},{"claim_id":"S_AZ-P08-C065","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P08-C065","Actor and predicate":"Institution, nonprofit, or contractor invoking a TSR jurisdiction exemption","Rule or consequence":"FTC Act jurisdiction and statutory sector exceptions must be tested; a tax label is not the complete analysis. A for-profit telemarketer does not automatically inherit a bank/nonprofit client’s exclusion.","Primary evidence and limits":"S024, 15 U.S.C. §§ 44, 45(a)(2), 6102(d)–(e), 6105, https://uscode.house.gov/us/usc/119-118/t15/s6105/; S029, https://www.ftc.gov/business-guidance/resources/complying-telemarketing-sales-rule. Deeper sector crossreferences held."},"coordinator_verification_status":"scoped_atomic_reconciliation_with_selected_primary_and_holds","coordinator_source_ids":["S_AZ-P08-S024","S_AZ-P08-S029"],"coordinator_related_claim_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T06:23:50.586874+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","original_locations":[[31519,32043]],"unreopened_source_ids":["S_AZ-P08-S024","S_AZ-P08-S029"],"material_correction_ids":[],"scope":"Wholeatomic/narrative/tablecontextread;selectedbodiesonlysupported. Originalfailed,partial,dated,currentness,jurisdiction,crossreference,judicial,andactualapplicationholdsremain;notall-claimacceptance.","independent_state_parent_component_accepted":false}},{"claim_id":"S_AZ-P08-C066","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P08-C066","Actor and predicate":"Consumer calling in response to advertising/direct mail","Rule or consequence":"Credit-repair calls described in § 310.4(a)(2) are excluded from the ordinary general-advertising and qualifying-direct-mail inbound exemptions. Truly unsolicited calls under § 310.6(b)(4) are a different branch; upsells are separately treated.","Primary evidence and limits":"S025, § 310.6(b)(4)–(6), same eCFR URL; S028, 89 FR 99075, PDF index 6, https://www.govinfo.gov/content/pkg/FR-2024-12-10/pdf/2024-28399.pdf."},"coordinator_verification_status":"scoped_atomic_reconciliation_with_selected_primary_and_holds","coordinator_source_ids":["S_AZ-P08-S025","S_AZ-P08-S028"],"coordinator_related_claim_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T06:23:50.586874+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","original_locations":[[32044,32500]],"unreopened_source_ids":["S_AZ-P08-S028"],"material_correction_ids":[],"scope":"Wholeatomic/narrative/tablecontextread;selectedbodiesonlysupported. Originalfailed,partial,dated,currentness,jurisdiction,crossreference,judicial,andactualapplicationholdsremain;notall-claimacceptance.","independent_state_parent_component_accepted":false}},{"claim_id":"S_AZ-P08-C067","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P08-C067","Actor and predicate":"Seller claiming face-to-face exemption","Rule or consequence":"The specified exemption requires sale and payment/authorization only after the qualifying face-to-face presentation. It preserves enumerated provisions; it is not blanket immunity for any business that sometimes meets customers.","Primary evidence and limits":"S025, § 310.6(b)(3), same eCFR URL. Actual sequence and presentation held."},"coordinator_verification_status":"scoped_atomic_reconciliation_with_selected_primary_and_holds","coordinator_source_ids":["S_AZ-P08-S025"],"coordinator_related_claim_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T06:23:50.586874+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","original_locations":[[32501,32857]],"unreopened_source_ids":[],"material_correction_ids":[],"scope":"Wholeatomic/narrative/tablecontextread;selectedbodiesonlysupported. Originalfailed,partial,dated,currentness,jurisdiction,crossreference,judicial,andactualapplicationholdsremain;notall-claimacceptance.","independent_state_parent_component_accepted":false}},{"claim_id":"S_AZ-P08-C068","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P08-C068","Actor and predicate":"Covered seller/telemarketer promising credit-history/record/rating improvement","Rule or consequence":"No request or receipt of payment until both represented performance time has expired and the required CRA report demonstrating promised results has been provided.","Primary evidence and limits":"S025, § 310.4(a)(2)(i)–(ii), same URL; S026, 60 FR 43853–43854 and 43866, https://www.govinfo.gov/content/pkg/FR-1995-08-23/pdf/95-20655.pdf."},"coordinator_verification_status":"scoped_atomic_reconciliation_with_selected_primary_and_holds","coordinator_source_ids":["S_AZ-P08-S025","S_AZ-P08-S026"],"coordinator_related_claim_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T06:23:50.586874+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","original_locations":[[32858,33255]],"unreopened_source_ids":[],"material_correction_ids":[],"scope":"Wholeatomic/narrative/tablecontextread;selectedbodiesonlysupported. Originalfailed,partial,dated,currentness,jurisdiction,crossreference,judicial,andactualapplicationholdsremain;notall-claimacceptance.","independent_state_parent_component_accepted":false}},{"claim_id":"S_AZ-P08-C069","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P08-C069","Actor and predicate":"Same seller relying on a results report","Rule or consequence":"Report must have been issued more than six months after results were achieved. Report provision and timeframe expiry each precede payment; the rule prescribes no order between those two events. Six months is not rewritten as 180 days. Holding an early-issued report does not cure its issuance date.","Primary evidence and limits":"S025, § 310.4(a)(2)(ii); S026, 60 FR 43853–43854, URLs above. High-text plus direct temporal application."},"coordinator_verification_status":"scoped_atomic_reconciliation_with_selected_primary_and_holds","coordinator_source_ids":["S_AZ-P08-S025","S_AZ-P08-S026"],"coordinator_related_claim_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T06:23:50.586874+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","original_locations":[[33256,33714]],"unreopened_source_ids":[],"material_correction_ids":[],"scope":"Wholeatomic/narrative/tablecontextread;selectedbodiesonlysupported. Originalfailed,partial,dated,currentness,jurisdiction,crossreference,judicial,andactualapplicationholdsremain;notall-claimacceptance.","independent_state_parent_component_accepted":false}},{"claim_id":"S_AZ-P08-C070","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P08-C070","Actor and predicate":"Seller making inconsistent oral/written timeframe representations","Rule or consequence":"The final-rule explanation uses the longest represented timeframe where representations differ.","Primary evidence and limits":"S026, 60 FR 43853 n.117, PDF index 11, original-rule URL above; S029, credit-repair discussion. Final agency explanation, not a newly invented averaging rule."},"coordinator_verification_status":"scoped_atomic_reconciliation_with_selected_primary_and_holds","coordinator_source_ids":["S_AZ-P08-S026","S_AZ-P08-S029"],"coordinator_related_claim_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T06:23:50.586874+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","original_locations":[[33715,34049]],"unreopened_source_ids":["S_AZ-P08-S029"],"material_correction_ids":[],"scope":"Wholeatomic/narrative/tablecontextread;selectedbodiesonlysupported. Originalfailed,partial,dated,currentness,jurisdiction,crossreference,judicial,andactualapplicationholdsremain;notall-claimacceptance.","independent_state_parent_component_accepted":false}},{"claim_id":"S_AZ-P08-C071","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P08-C071","Actor and predicate":"Seller obtaining/providing the required report","Rule or consequence":"It must be a CRA consumer report demonstrating promised results; the rule preserves permissible-purpose requirements. Written consumer instructions are one statutory permissible-purpose route, with further FCRA requirements still applicable.","Primary evidence and limits":"S025, § 310.4(a)(2)(ii); S023, 15 U.S.C. §§ 1681a(d), (f), 1681b(a)(2), (f), https://uscode.house.gov/us/usc/119-118/t15/s1681a/, https://uscode.house.gov/us/usc/119-118/t15/s1681b/. Section 1681e’s full body not read."},"coordinator_verification_status":"scoped_atomic_reconciliation_with_selected_primary_and_holds","coordinator_source_ids":["S_AZ-P08-S025","S_AZ-P08-S023"],"coordinator_related_claim_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T06:23:50.586874+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","original_locations":[[34050,34571]],"unreopened_source_ids":["S_AZ-P08-S023"],"material_correction_ids":[],"scope":"Wholeatomic/narrative/tablecontextread;selectedbodiesonlysupported. Originalfailed,partial,dated,currentness,jurisdiction,crossreference,judicial,andactualapplicationholdsremain;notall-claimacceptance.","independent_state_parent_component_accepted":false}},{"claim_id":"S_AZ-P08-C072","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P08-C072","Actor and predicate":"Telemarketer guaranteeing/highly assuring a loan or credit extension","Rule or consequence":"The distinct advance-fee loan restriction requires the customer first to obtain the represented loan/extension. It is not a substitute for the credit-repair test if both apply.","Primary evidence and limits":"S025, § 310.4(a)(4), eCFR URL above. Coverage and representations conditional."},"coordinator_verification_status":"scoped_atomic_reconciliation_with_selected_primary_and_holds","coordinator_source_ids":["S_AZ-P08-S025"],"coordinator_related_claim_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T06:23:50.586874+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","original_locations":[[34572,34910]],"unreopened_source_ids":[],"material_correction_ids":[],"scope":"Wholeatomic/narrative/tablecontextread;selectedbodiesonlysupported. Originalfailed,partial,dated,currentness,jurisdiction,crossreference,judicial,andactualapplicationholdsremain;notall-claimacceptance.","independent_state_parent_component_accepted":false}},{"claim_id":"S_AZ-P08-C073","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P08-C073","Actor and predicate":"Mixed repair/debt-relief program","Rule or consequence":"The debt-relief account/payment provision in § 310.4(a)(5) does not supply an account or fee exception to § 310.4(a)(2)’s credit-repair prohibition.","Primary evidence and limits":"S025, §§ 310.2(o), 310.4(a)(2), (5), same URL. Debt-relief body read for this distinction; full debt-relief regime deferred."},"coordinator_verification_status":"scoped_atomic_reconciliation_with_selected_primary_and_holds","coordinator_source_ids":["S_AZ-P08-S025"],"coordinator_related_claim_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T06:23:50.586874+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","original_locations":[[34911,35231]],"unreopened_source_ids":[],"material_correction_ids":[],"scope":"Wholeatomic/narrative/tablecontextread;selectedbodiesonlysupported. Originalfailed,partial,dated,currentness,jurisdiction,crossreference,judicial,andactualapplicationholdsremain;notall-claimacceptance.","independent_state_parent_component_accepted":false}},{"claim_id":"S_AZ-P08-C074","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P08-C074","Actor and predicate":"Attorney invoking an exception in another paragraph","Rule or consequence":"Section 310.4(a)(3)’s attorney provision concerns specified recovery services; it is not a general attorney exception to credit-repair paragraph (a)(2).","Primary evidence and limits":"S025, § 310.4(a)(2)–(3), same URL. No professional-label shortcut."},"coordinator_verification_status":"scoped_atomic_reconciliation_with_selected_primary_and_holds","coordinator_source_ids":["S_AZ-P08-S025"],"coordinator_related_claim_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T06:23:50.586874+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","original_locations":[[35232,35517]],"unreopened_source_ids":[],"material_correction_ids":[],"scope":"Wholeatomic/narrative/tablecontextread;selectedbodiesonlysupported. Originalfailed,partial,dated,currentness,jurisdiction,crossreference,judicial,andactualapplicationholdsremain;notall-claimacceptance.","independent_state_parent_component_accepted":false}},{"claim_id":"S_AZ-P08-C075","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P08-C075","Actor and predicate":"Covered seller before consent to pay","Rule or consequence":"Truthfully disclose material costs, restrictions and applicable refund/cancellation terms; do not misrepresent service efficacy, refund terms, costs or affiliation. A stated “no refund” policy cannot negate another applicable statutory cancellation right.","Primary evidence and limits":"S025, § 310.3(a)(1)(i)–(iii), (2)(i)–(iv), (vii), same URL. Other payment/marketing laws remain separate."},"coordinator_verification_status":"scoped_atomic_reconciliation_with_selected_primary_and_holds","coordinator_source_ids":["S_AZ-P08-S025"],"coordinator_related_claim_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T06:23:50.586874+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","original_locations":[[35518,35930]],"unreopened_source_ids":[],"material_correction_ids":[],"scope":"Wholeatomic/narrative/tablecontextread;selectedbodiesonlysupported. Originalfailed,partial,dated,currentness,jurisdiction,crossreference,judicial,andactualapplicationholdsremain;notall-claimacceptance.","independent_state_parent_component_accepted":false}},{"claim_id":"S_AZ-P08-C076","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P08-C076","Actor and predicate":"Covered seller/telemarketer keeping specified records","Rule or consequence":"Current § 310.5 uses five-year retention for the specified records, with particular triggers, including last use for advertising/scripts. It is not a universal statement that every document has the same starting date.","Primary evidence and limits":"S025, § 310.5(a)–(g); S027, 89 FR 26783–26786, https://www.govinfo.gov/content/pkg/FR-2024-04-16/pdf/2024-07180.pdf."},"coordinator_verification_status":"scoped_atomic_reconciliation_with_selected_primary_and_holds","coordinator_source_ids":["S_AZ-P08-S025","S_AZ-P08-S027"],"coordinator_related_claim_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T06:23:50.586874+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","original_locations":[[35931,36333]],"unreopened_source_ids":["S_AZ-P08-S027"],"material_correction_ids":[],"scope":"Wholeatomic/narrative/tablecontextread;selectedbodiesonlysupported. Originalfailed,partial,dated,currentness,jurisdiction,crossreference,judicial,andactualapplicationholdsremain;notall-claimacceptance.","independent_state_parent_component_accepted":false}},{"claim_id":"S_AZ-P08-C077","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P08-C077","Predicate":"Monitoring service marketed with express/implied improvement representations","Conclusion supported by the reading":"Stout reversed dismissal of a CROA claim; actual marketing could satisfy the definition despite the monitoring label and disclaimer. It did not finally adjudicate all alleged violations.","Evidence and limit":"S030, pp. 12–19, https://cdn.ca9.uscourts.gov/datastore/opinions/2014/02/21/10-56887.pdf."},"coordinator_verification_status":"scoped_atomic_reconciliation_with_selected_primary_and_holds","coordinator_source_ids":["S_AZ-P08-S030"],"coordinator_related_claim_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T06:23:50.586874+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","original_locations":[[36616,36983]],"unreopened_source_ids":[],"material_correction_ids":[],"scope":"Wholeatomic/narrative/tablecontextread;selectedbodiesonlysupported. Originalfailed,partial,dated,currentness,jurisdiction,crossreference,judicial,andactualapplicationholdsremain;notall-claimacceptance.","independent_state_parent_component_accepted":false}},{"claim_id":"S_AZ-P08-C078","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P08-C078","Predicate":"Attorney-associated repair operation accepting deposits after preliminary work","Conclusion supported by the reading":"Gill affirmed liability findings; consultation/some work did not make the remaining promised services fully performed. Attorney and independent-contractor descriptions did not eliminate the conduct actually proved.","Evidence and limit":"S031, Discussion A, final paragraphs, https://law.justia.com/cases/federal/appellate-courts/F3/265/944/632739/. Historical monetary-remedy reasoning separately limited by C080."},"coordinator_verification_status":"scoped_atomic_reconciliation_with_selected_primary_and_holds","coordinator_source_ids":["S_AZ-P08-S031"],"coordinator_related_claim_ids":["S_AZ-P08-C080"],"coordinator_review":{"reviewed_at":"2026-10-29T06:23:50.586874+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","original_locations":[[36984,37468]],"unreopened_source_ids":[],"material_correction_ids":[],"scope":"Wholeatomic/narrative/tablecontextread;selectedbodiesonlysupported. Originalfailed,partial,dated,currentness,jurisdiction,crossreference,judicial,andactualapplicationholdsremain;notall-claimacceptance.","independent_state_parent_component_accepted":false}},{"claim_id":"S_AZ-P08-C079","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P08-C079","Predicate":"CROA claimant opposing arbitration solely through CROA’s right-to-sue/nonwaiver language","Conclusion supported by the reading":"CompuCredit held those provisions do not categorically bar arbitration under the FAA. The Court did not decide the defendants’ CRO status in that case.","Evidence and limit":"S032, 565 U.S. 95, 98 n.1, 100–105, PDF indices 3, 5–10, https://www.govinfo.gov/content/pkg/USREPORTS-565/pdf/USREPORTS-565-95.pdf. Full arbitration analysis deferred."},"coordinator_verification_status":"scoped_atomic_reconciliation_with_selected_primary_and_holds","coordinator_source_ids":["S_AZ-P08-S032"],"coordinator_related_claim_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T06:23:50.586874+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","original_locations":[[37469,37892]],"unreopened_source_ids":[],"material_correction_ids":[],"scope":"Wholeatomic/narrative/tablecontextread;selectedbodiesonlysupported. Originalfailed,partial,dated,currentness,jurisdiction,crossreference,judicial,andactualapplicationholdsremain;notall-claimacceptance.","independent_state_parent_component_accepted":false}},{"claim_id":"S_AZ-P08-C080","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P08-C080","Predicate":"Reliance on older FTC § 13(b) monetary-remedy cases","Conclusion supported by the reading":"AMG held § 13(b)’s permanent-injunction language does not authorize equitable monetary relief. Therefore this report does not reuse Gill as current authority for that monetary route.","Evidence and limit":"S033, slip pp. 6–10, 15; PDF indices 8–12, 17, https://www.supremecourt.gov/opinions/20pdf/19-508_l6gn.pdf. Post-AMG current § 53 body was not recovered."},"coordinator_verification_status":"scoped_atomic_reconciliation_with_selected_primary_and_holds","coordinator_source_ids":["S_AZ-P08-S033"],"coordinator_related_claim_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T06:23:50.586874+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","original_locations":[[37893,38295]],"unreopened_source_ids":[],"material_correction_ids":[],"scope":"Wholeatomic/narrative/tablecontextread;selectedbodiesonlysupported. Originalfailed,partial,dated,currentness,jurisdiction,crossreference,judicial,andactualapplicationholdsremain;notall-claimacceptance.","independent_state_parent_component_accepted":false}},{"claim_id":"S_AZ-P08-C081","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P08-C081","Predicate":"Arizona posted compilation and recent amendment checking","Conclusion supported by the reading":"Relevant 2023–2026 affected-statute table ranges contained no entries for §§ 44-1701–1712. The compilation’s own updating disclaimer remains material. These indexes are bounded checking evidence, not independently read enactments amending nothing.","Evidence and limit":"S001, S004–S008, URLs in source register; relevant printed/PDF pages specified there."},"coordinator_verification_status":"scoped_atomic_reconciliation_with_selected_primary_and_holds","coordinator_source_ids":["S_AZ-P08-S001","S_AZ-P08-S004","S_AZ-P08-S005","S_AZ-P08-S006","S_AZ-P08-S007","S_AZ-P08-S008"],"coordinator_related_claim_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T06:23:50.586874+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","original_locations":[[38296,38700]],"unreopened_source_ids":["S_AZ-P08-S004","S_AZ-P08-S005","S_AZ-P08-S006","S_AZ-P08-S007","S_AZ-P08-S008"],"material_correction_ids":[],"scope":"Wholeatomic/narrative/tablecontextread;selectedbodiesonlysupported. Originalfailed,partial,dated,currentness,jurisdiction,crossreference,judicial,andactualapplicationholdsremain;notall-claimacceptance.","independent_state_parent_component_accepted":false}},{"claim_id":"S_AZ-P08-C082","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P08-C082","Predicate":"Original Arizona CSO commencement and complete historical chain","Conclusion supported by the reading":"Sgrillo identifies Laws 1988, ch. 350, § 1; the original act was not recovered. General constitutional effectiveness and nonretroactivity rules do not justify inventing its exact commencement or transition.","Evidence and limit":"S009 failed routes; S003, Ariz. Const. art. IV, pt. 1, § 1(3), https://www.azleg.gov/const/4/1.p1.htm; S002, § 1-244, https://www.azleg.gov/ars/1/00244.htm. Held."},"coordinator_verification_status":"scoped_atomic_reconciliation_with_selected_primary_and_holds","coordinator_source_ids":["S_AZ-P08-S009","S_AZ-P08-S003","S_AZ-P08-S002"],"coordinator_related_claim_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T06:23:50.586874+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","original_locations":[[38701,39148]],"unreopened_source_ids":["S_AZ-P08-S009","S_AZ-P08-S003","S_AZ-P08-S002"],"material_correction_ids":[],"scope":"Wholeatomic/narrative/tablecontextread;selectedbodiesonlysupported. Originalfailed,partial,dated,currentness,jurisdiction,crossreference,judicial,andactualapplicationholdsremain;notall-claimacceptance.","independent_state_parent_component_accepted":false}},{"claim_id":"S_AZ-P08-C083","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P08-C083","Predicate":"CROA currency at access","Conclusion supported by the reading":"Complete OLRC §§ 1679–1679j were read with a header through PL 119-120, October 7, 2026, although URLs contain 119-118. A newer October 20 § 1679j body and partial § 1679e were read; complete October 8–27 updating remains unverified.","Evidence and limit":"S016, full URL map and failure log below. No complete October 20/27 codification claim."},"coordinator_verification_status":"scoped_atomic_reconciliation_with_selected_primary_and_holds","coordinator_source_ids":["S_AZ-P08-S016"],"coordinator_related_claim_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T06:23:50.586874+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","original_locations":[[39149,39508]],"unreopened_source_ids":[],"material_correction_ids":[],"scope":"Wholeatomic/narrative/tablecontextread;selectedbodiesonlysupported. Originalfailed,partial,dated,currentness,jurisdiction,crossreference,judicial,andactualapplicationholdsremain;notall-claimacceptance.","independent_state_parent_component_accepted":false}},{"claim_id":"S_AZ-P08-C084","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P08-C084","Predicate":"CROA original commencement/old contracts","Conclusion supported by the reading":"Original § 413 applies after the six-month period beginning September 30, 1996, with the stated pre-end-of-period contract exception. Gill describes the effective date as April 1, 1997.","Evidence and limit":"S018, § 2451 inserting § 413, 110 Stat. 3009-462, PDF index 462, https://www.govinfo.gov/content/pkg/PLAW-104publ208/pdf/PLAW-104publ208.pdf; S031. No 180-day conversion."},"coordinator_verification_status":"scoped_atomic_reconciliation_with_selected_primary_and_holds","coordinator_source_ids":["S_AZ-P08-S018","S_AZ-P08-S031"],"coordinator_related_claim_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T06:23:50.586874+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","original_locations":[[39509,39920]],"unreopened_source_ids":["S_AZ-P08-S018"],"material_correction_ids":[],"scope":"Wholeatomic/narrative/tablecontextread;selectedbodiesonlysupported. Originalfailed,partial,dated,currentness,jurisdiction,crossreference,judicial,andactualapplicationholdsremain;notall-claimacceptance.","independent_state_parent_component_accepted":false}},{"claim_id":"S_AZ-P08-C085","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P08-C085","Predicate":"TSR version/effective dates","Conclusion supported by the reading":"Read original final rule: published August 23, 1995, effective December 31, 1995. April 2024 final: effective May 16, 2024, with § 310.5(a)(2) compliance October 15, 2024. December 2024 final: effective January 9, 2025.","Evidence and limit":"S026–S028, header and operative pages in register. eCFR’s Title 16 “last amended October 19, 2026” is not asserted as Part 310’s effective date."},"coordinator_verification_status":"scoped_atomic_reconciliation_with_selected_primary_and_holds","coordinator_source_ids":["S_AZ-P08-S026","S_AZ-P08-S027","S_AZ-P08-S028"],"coordinator_related_claim_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T06:23:50.586874+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","original_locations":[[39921,40327]],"unreopened_source_ids":["S_AZ-P08-S027","S_AZ-P08-S028"],"material_correction_ids":[],"scope":"Wholeatomic/narrative/tablecontextread;selectedbodiesonlysupported. Originalfailed,partial,dated,currentness,jurisdiction,crossreference,judicial,andactualapplicationholdsremain;notall-claimacceptance.","independent_state_parent_component_accepted":false}},{"claim_id":"S_AZ-P08-C086","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P08-C086","Predicate":"Arizona statutory time computation","Conclusion supported by the reading":"General rules exclude the first day, include the last unless a holiday, identify legal holidays, and address performance when the last day is a holiday. They do not themselves erase CSO wording differences or establish a federal business-day definition.","Evidence and limit":"S002, §§ 1-243, 1-301, 1-303, https://www.azleg.gov/ars/1/00243.htm, https://www.azleg.gov/ars/1/00301.htm, https://www.azleg.gov/ars/1/00303.htm."},"coordinator_verification_status":"scoped_atomic_reconciliation_with_selected_primary_and_holds","coordinator_source_ids":["S_AZ-P08-S002"],"coordinator_related_claim_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T06:23:50.586874+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","original_locations":[[40328,40777]],"unreopened_source_ids":["S_AZ-P08-S002"],"material_correction_ids":[],"scope":"Wholeatomic/narrative/tablecontextread;selectedbodiesonlysupported. Originalfailed,partial,dated,currentness,jurisdiction,crossreference,judicial,andactualapplicationholdsremain;notall-claimacceptance.","independent_state_parent_component_accepted":false}},{"claim_id":"S_AZ-P08-C087","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P08-C087","Predicate":"Reader relying on AG’s “three business days” guidance","Conclusion supported by the reading":"That guidance may describe federal protection, but it does not amend Arizona § 44-1706’s “days” wording or provide a published harmonization of every endpoint.","Evidence and limit":"S014, https://www.azag.gov/consumer/tips/credit-reporting-credit-repair; S001, § 44-1706."},"coordinator_verification_status":"scoped_atomic_reconciliation_with_selected_primary_and_holds","coordinator_source_ids":["S_AZ-P08-S014","S_AZ-P08-S001"],"coordinator_related_claim_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T06:23:50.586874+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","original_locations":[[40778,41095]],"unreopened_source_ids":[],"material_correction_ids":[],"scope":"Wholeatomic/narrative/tablecontextread;selectedbodiesonlysupported. Originalfailed,partial,dated,currentness,jurisdiction,crossreference,judicial,andactualapplicationholdsremain;notall-claimacceptance.","independent_state_parent_component_accepted":false}},{"claim_id":"S_AZ-P08-C088","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P08-C088","Predicate":"Reader relying on AG guidance about a dispute statement fee","Conclusion supported by the reading":"The guide’s suggestion of a possible charge conflicts with § 44-1694(D)(2)’s no-charge language. This report follows the statute for that Arizona right.","Evidence and limit":"S014, same guide; S001, https://www.azleg.gov/ars/44/01694.htm, subsection (D)(2)."},"coordinator_verification_status":"scoped_atomic_reconciliation_with_selected_primary_and_holds","coordinator_source_ids":["S_AZ-P08-S014","S_AZ-P08-S001"],"coordinator_related_claim_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T06:23:50.586874+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","original_locations":[[41096,41405]],"unreopened_source_ids":[],"material_correction_ids":[],"scope":"Wholeatomic/narrative/tablecontextread;selectedbodiesonlysupported. Originalfailed,partial,dated,currentness,jurisdiction,crossreference,judicial,andactualapplicationholdsremain;notall-claimacceptance.","independent_state_parent_component_accepted":false}},{"claim_id":"S_AZ-P08-C089","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P08-C089","Predicate":"Person seeking a general consumer price ceiling","Conclusion supported by the reading":"No numeric general CSO/CROA service-price ceiling was found in the read provisions. The bond’s $5,000–$25,000 bounds are security bounds, not allowable customer charges. This is not unlimited-price or fee-earning permission.","Evidence and limit":"S001, §§ 44-1703, 44-1706, 44-1708; S016, §§ 1679b, 1679d; S025, § 310.4(a)(2). Other applicable price/contract laws and facts remain held."},"coordinator_verification_status":"scoped_atomic_reconciliation_with_selected_primary_and_holds","coordinator_source_ids":["S_AZ-P08-S001","S_AZ-P08-S016","S_AZ-P08-S025"],"coordinator_related_claim_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T06:23:50.586874+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","original_locations":[[41406,41832]],"unreopened_source_ids":[],"material_correction_ids":[],"scope":"Wholeatomic/narrative/tablecontextread;selectedbodiesonlysupported. Originalfailed,partial,dated,currentness,jurisdiction,crossreference,judicial,andactualapplicationholdsremain;notall-claimacceptance.","independent_state_parent_component_accepted":false}}],"sources":[{"source_id":"S_AZ-P08-S001","urls":["https://www.azleg.gov/ars/44/01701.htm","https://www.azleg.gov/ars/44/01702.htm","https://www.azleg.gov/ars/44/01703.htm","https://www.azleg.gov/ars/44/01704.htm","https://www.azleg.gov/ars/44/01705.htm","https://www.azleg.gov/ars/44/01706.htm","https://www.azleg.gov/ars/44/01707.htm","https://www.azleg.gov/ars/44/01708.htm","https://www.azleg.gov/ars/44/01709.htm","https://www.azleg.gov/ars/44/01710.htm","https://www.azleg.gov/ars/44/01711.htm","https://www.azleg.gov/ars/44/01712.htm","https://www.azleg.gov/ars/44/01691.htm","https://www.azleg.gov/ars/44/01692.htm","https://www.azleg.gov/ars/44/01693.htm","https://www.azleg.gov/ars/44/01694.htm","https://www.azleg.gov/ars/44/01521.htm","https://www.azleg.gov/ars/44/01522.htm","https://www.azleg.gov/ars/44/01531.htm","https://www.azleg.gov/ars/44/01534.htm","https://www.azleg.gov/arsDetail/?chapter=12&title=44","https://www.azleg.gov/ars/44/01701.htm?utm_source=chatgpt.com","https://www.azleg.gov/ars/44/01702.htm?utm_source=chatgpt.com","https://www.azleg.gov/ars/44/01703.htm?utm_source=chatgpt.com","https://www.azleg.gov/ars/44/01704.htm?utm_source=chatgpt.com","https://www.azleg.gov/ars/44/01705.htm?utm_source=chatgpt.com","https://www.azleg.gov/ars/44/01706.htm?utm_source=chatgpt.com","https://www.azleg.gov/ars/44/01707.htm?utm_source=chatgpt.com","https://www.azleg.gov/ars/44/01708.htm?utm_source=chatgpt.com","https://www.azleg.gov/ars/44/01709.htm?utm_source=chatgpt.com","https://www.azleg.gov/ars/44/01710.htm?utm_source=chatgpt.com","https://www.azleg.gov/ars/44/01711.htm?utm_source=chatgpt.com","https://www.azleg.gov/ars/44/01712.htm?utm_source=chatgpt.com","https://www.azleg.gov/ars/44/01691.htm?utm_source=chatgpt.com","https://www.azleg.gov/ars/44/01692.htm?utm_source=chatgpt.com","https://www.azleg.gov/ars/44/01693.htm?utm_source=chatgpt.com","https://www.azleg.gov/ars/44/01694.htm?utm_source=chatgpt.com","https://www.azleg.gov/ars/44/01521.htm?utm_source=chatgpt.com","https://www.azleg.gov/ars/44/01522.htm?utm_source=chatgpt.com","https://www.azleg.gov/ars/44/01531.htm?utm_source=chatgpt.com","https://www.azleg.gov/ars/44/01534.htm?utm_source=chatgpt.com","https://www.azleg.gov/arsDetail/?chapter=12&title=44&utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_AZ-P08-S001","Issuer, title, and direct literal HTTPS URLs":"Arizona Legislature, Arizona Revised Statutes, Title 44. CSO: https://www.azleg.gov/ars/44/01701.htm; https://www.azleg.gov/ars/44/01702.htm; https://www.azleg.gov/ars/44/01703.htm; https://www.azleg.gov/ars/44/01704.htm; https://www.azleg.gov/ars/44/01705.htm; https://www.azleg.gov/ars/44/01706.htm; https://www.azleg.gov/ars/44/01707.htm; https://www.azleg.gov/ars/44/01708.htm; https://www.azleg.gov/ars/44/01709.htm; https://www.azleg.gov/ars/44/01710.htm; https://www.azleg.gov/ars/44/01711.htm; https://www.azleg.gov/ars/44/01712.htm. Linked reporting: https://www.azleg.gov/ars/44/01691.htm; https://www.azleg.gov/ars/44/01692.htm; https://www.azleg.gov/ars/44/01693.htm; https://www.azleg.gov/ars/44/01694.htm. Limited CFA: https://www.azleg.gov/ars/44/01521.htm; https://www.azleg.gov/ars/44/01522.htm; https://www.azleg.gov/ars/44/01531.htm; https://www.azleg.gov/ars/44/01534.htm. Compilation notice: https://www.azleg.gov/arsDetail/?chapter=12&title=44.","Actual read scope, version, status, and limits":"Fresh official HTML bodies: all twelve CSO sections, four reporting sections, and listed CFA sections. Compilation page describes updating through the 57th Legislature’s second regular session and its January-following-session convention. CSO is Chapter 11, Article 7; the query URL used for the compilation notice is not asserted as CSO’s chapter location. No full historic amendment certificate."},"coordinator_verification_status":"selected_new_public_primary_or_actual_published_body_read_with_limits","additional_failed_or_partial_route_records":[{"Source":"S001","Exact failed or partial route":"https://www.azleg.gov/arsDetail/?title=44","Actual result; recovery or next evidence":"400/timeout through retrieval. Different compilation query and direct section bodies recovered."}],"coordinator_review":{"reviewed_at":"2026-10-29T06:23:50.586874+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","read_map":"[internal evidence reference]","scope":"AlltwelveCSOsections1701–1712fullpostedbodiesplus1694fullread. Otherlinkedreporting/CFA/compilationnoticebodiesnotnewlyreopened; completeoriginal1988/interveningamendment/currentnesschainheld.","complete_source_accepted":false,"original_record_preserved":true}},{"source_id":"S_AZ-P08-S002","urls":["https://www.azleg.gov/ars/1/00243.htm","https://www.azleg.gov/ars/1/00301.htm","https://www.azleg.gov/ars/1/00303.htm","https://www.azleg.gov/ars/1/00244.htm","https://www.azleg.gov/ars/1/00243.htm?utm_source=chatgpt.com","https://www.azleg.gov/ars/1/00301.htm?utm_source=chatgpt.com","https://www.azleg.gov/ars/1/00303.htm?utm_source=chatgpt.com","https://www.azleg.gov/ars/1/00244.htm?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_AZ-P08-S002","Issuer, title, and direct literal HTTPS URLs":"Arizona Legislature, Title 1: https://www.azleg.gov/ars/1/00243.htm; https://www.azleg.gov/ars/1/00301.htm; https://www.azleg.gov/ars/1/00303.htm; https://www.azleg.gov/ars/1/00244.htm.","Actual read scope, version, status, and limits":"Fresh full bodies: computation, holidays, holiday performance, nonretroactivity. Current posted compilation; no case resolving their precise application to every CSO notice discrepancy."},"coordinator_verification_status":"unreopened_original_body_or_access_currentness_hold","additional_failed_or_partial_route_records":[{"Source":"S002","Exact failed or partial route":"https://www.azleg.gov/ars/01/00243.htm; https://www.azleg.gov/ars/01/00301.htm","Actual result; recovery or next evidence":"Padded-title routes inaccessible. Official /ars/1/ bodies recovered."}],"coordinator_review":{"reviewed_at":"2026-10-29T06:23:50.586874+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","read_map":"[internal evidence reference]","scope":"Originalresearcherread/access/versionstatement preservedasattributeddatedevidenceonly;no newcompletebody/currentness/absenceauthentication.","complete_source_accepted":false,"original_record_preserved":true}},{"source_id":"S_AZ-P08-S003","urls":["https://www.azleg.gov/const/4/1.p1.htm","https://www.azleg.gov/const/4/1.p1.htm?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_AZ-P08-S003","Issuer, title, and direct literal HTTPS URLs":"Arizona Legislature, Constitution, art. IV, pt. 1: https://www.azleg.gov/const/4/1.p1.htm.","Actual read scope, version, status, and limits":"Fresh body, material § 1(3): ordinary effectiveness after session close and specified exceptions. Does not establish the unrecovered 1988 act’s exact effective date."},"coordinator_verification_status":"unreopened_original_body_or_access_currentness_hold","coordinator_review":{"reviewed_at":"2026-10-29T06:23:50.586874+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","read_map":"[internal evidence reference]","scope":"Originalresearcherread/access/versionstatement preservedasattributeddatedevidenceonly;no newcompletebody/currentness/absenceauthentication.","complete_source_accepted":false,"original_record_preserved":true}},{"source_id":"S_AZ-P08-S004","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-P08-S004","Issuer, title, and direct literal HTTPS URLs":"Legislative Council, 2026 Table of Sections Affected: https://www.azleg.gov/alisPDFs/council/TOSA_57th_2nd_Regular.pdf.","Actual read scope, version, status, and limits":"Fresh official index, August 19, 2026, chapters 1–264. Relevant Title 44 range printed pp. 19–20 / PDF indices 18–19 read. No §§ 44-1701–1712 entry there; index, not operative amendment body."},"coordinator_verification_status":"unreopened_original_body_or_access_currentness_hold","coordinator_review":{"reviewed_at":"2026-10-29T06:23:50.586874+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","read_map":"[internal evidence reference]","scope":"Originalresearcherread/access/versionstatement preservedasattributeddatedevidenceonly;no newcompletebody/currentness/absenceauthentication.","complete_source_accepted":false,"original_record_preserved":true}},{"source_id":"S_AZ-P08-S005","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-P08-S005","Issuer, title, and direct literal HTTPS URLs":"Legislative Council, 2025 Table of Sections Affected: https://www.azleg.gov/alisPDFs/council/TOSA_57th_1st_Regular.pdf.","Actual read scope, version, status, and limits":"Fresh official index, July 18, 2025, chapters 1–265; relevant printed p. 17 / PDF index 16. Same bounded no-entry result."},"coordinator_verification_status":"unreopened_original_body_or_access_currentness_hold","coordinator_review":{"reviewed_at":"2026-10-29T06:23:50.586874+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","read_map":"[internal evidence reference]","scope":"Originalresearcherread/access/versionstatement preservedasattributeddatedevidenceonly;no newcompletebody/currentness/absenceauthentication.","complete_source_accepted":false,"original_record_preserved":true}},{"source_id":"S_AZ-P08-S006","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-P08-S006","Issuer, title, and direct literal HTTPS URLs":"Legislative Council, 2024 Table of Sections Affected: https://www.azleg.gov/alisPDFs/council/TOSA_56th_2nd_Regular.pdf.","Actual read scope, version, status, and limits":"Fresh official index, July 12, 2024, chapters 1–259; printed pp. 20–21 / PDF indices 19–20. Relevant range read."},"coordinator_verification_status":"unreopened_original_body_or_access_currentness_hold","coordinator_review":{"reviewed_at":"2026-10-29T06:23:50.586874+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","read_map":"[internal evidence reference]","scope":"Originalresearcherread/access/versionstatement preservedasattributeddatedevidenceonly;no newcompletebody/currentness/absenceauthentication.","complete_source_accepted":false,"original_record_preserved":true}},{"source_id":"S_AZ-P08-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-P08-S007","Issuer, title, and direct literal HTTPS URLs":"Legislative Council, 2023 Table of Sections Affected: https://www.azleg.gov/alisPDFs/council/TOSA_56th_1st_Regular.pdf.","Actual read scope, version, status, and limits":"Fresh official index, December 19, 2023, chapters 1–205; printed p. 16 / PDF index 15. Relevant range read."},"coordinator_verification_status":"unreopened_original_body_or_access_currentness_hold","coordinator_review":{"reviewed_at":"2026-10-29T06:23:50.586874+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","read_map":"[internal evidence reference]","scope":"Originalresearcherread/access/versionstatement preservedasattributeddatedevidenceonly;no newcompletebody/currentness/absenceauthentication.","complete_source_accepted":false,"original_record_preserved":true}},{"source_id":"S_AZ-P08-S008","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-P08-S008","Issuer, title, and direct literal HTTPS URLs":"Legislative Council, 2026 Delayed Effective Dates: https://www.azleg.gov/alisPDFs/council/2026_Delayed_effective_dates.pdf.","Actual read scope, version, status, and limits":"Fresh partial index reading, including the relevant Title 44 entry concerning § 44-1483. Not all three pages represented as fully read; no CSO transition established from it."},"coordinator_verification_status":"unreopened_original_body_or_access_currentness_hold","coordinator_review":{"reviewed_at":"2026-10-29T06:23:50.586874+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","read_map":"[internal evidence reference]","scope":"Originalresearcherread/access/versionstatement preservedasattributeddatedevidenceonly;no newcompletebody/currentness/absenceauthentication.","complete_source_accepted":false,"original_record_preserved":true}},{"source_id":"S_AZ-P08-S009","urls":["https://azmemory.azlibrary.gov/nodes/view/20911","https://www.azleg.gov/legtext/38leg/2r/laws/0350.htm","https://azmemory.azlibrary.gov/assets/displaypdf/193279","https://azmemory.azlibrary.gov/assets/displaypdf/193279?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_AZ-P08-S009","Issuer, title, and direct literal HTTPS URLs":"Arizona original CSO enactment lead, Laws 1988, ch. 350, § 1. Failed routes: https://azmemory.azlibrary.gov/nodes/view/20911; https://www.azleg.gov/legtext/38leg/2r/laws/0350.htm. Discovery-only summary: https://azmemory.azlibrary.gov/assets/displaypdf/193279.","Actual read scope, version, status, and limits":"First route returned 403; different Legislature route was inaccessible. Original body not read. Chapter identification is supported by Sgrillo, not independent enactment inspection. Approval, commencement, transition, and complete early amendment chain held. Summary was discovery only."},"coordinator_verification_status":"unreopened_original_body_or_access_currentness_hold","additional_failed_or_partial_route_records":[{"Source":"S009","Exact failed or partial route":"https://azmemory.azlibrary.gov/nodes/view/20911; https://www.azleg.gov/legtext/38leg/2r/laws/0350.htm","Actual result; recovery or next evidence":"403 at archive; different Legislature route inaccessible. Hold original act; next evidence is a readable official session-law scan, including approval/effective/transition provisions."}],"coordinator_review":{"reviewed_at":"2026-10-29T06:23:50.586874+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","read_map":"[internal evidence reference]","scope":"Originalresearcherread/access/versionstatement preservedasattributeddatedevidenceonly;no newcompletebody/currentness/absenceauthentication.","complete_source_accepted":false,"original_record_preserved":true}},{"source_id":"S_AZ-P08-S010","urls":["https://apps.azsos.gov/public_services/Title_14/14-01.pdf","https://apps.azsos.gov/public_services/Title_14/14-01.pdf?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_AZ-P08-S010","Issuer, title, and direct literal HTTPS URLs":"Arizona Secretary of State, 14 A.A.C. 1: https://apps.azsos.gov/public_services/Title_14/14-01.pdf.","Actual read scope, version, status, and limits":"Fresh partial official PDF, Supplement 99-1, March 31, 1999, nine pages. Contents and initial R14-1-101 material read; document search did not find “credit.” Not all operative rules read; not proof that no CSO rule/adoption exists."},"coordinator_verification_status":"unreopened_original_body_or_access_currentness_hold","coordinator_review":{"reviewed_at":"2026-10-29T06:23:50.586874+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","read_map":"[internal evidence reference]","scope":"Originalresearcherread/access/versionstatement preservedasattributeddatedevidenceonly;no newcompletebody/currentness/absenceauthentication.","complete_source_accepted":false,"original_record_preserved":true}},{"source_id":"S_AZ-P08-S011","urls":["https://www.azcommerce.com/small-business/checklist-items/additional-business-occupations-and-activities/credit-repaircredit-services/","https://www.azcommerce.com/small-business/checklist-items/additional-business-occupations-and-activities/credit-repaircredit-services/?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_AZ-P08-S011","Issuer, title, and direct literal HTTPS URLs":"Arizona Commerce Authority, Credit Repair/Credit Services: https://www.azcommerce.com/small-business/checklist-items/additional-business-occupations-and-activities/credit-repaircredit-services/.","Actual read scope, version, status, and limits":"Fresh complete relevant guidance body. Bond-copy/letter procedure and no-fee statement read. No revision date established; page marker “(24)” is not treated as an effective date. Guidance supports procedure, not statutory permission."},"coordinator_verification_status":"selected_new_public_primary_or_actual_published_body_read_with_limits","coordinator_review":{"reviewed_at":"2026-10-29T06:23:50.586874+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","read_map":"[internal evidence reference]","scope":"ACAoperativeguidance33–35supportsboundedbond-copy/letterandno-feeprocedureonly;undated,notgrant/custody/form/checkoutoruniversalbusinesscost.","complete_source_accepted":false,"original_record_preserved":true}},{"source_id":"S_AZ-P08-S012","urls":["https://www.azcc.gov/corporations/forms","https://www.azcc.gov/corporations/forms/corporation-forms","https://www.azcc.gov/corporations/forms?utm_source=chatgpt.com","https://www.azcc.gov/corporations/forms/corporation-forms?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_AZ-P08-S012","Issuer, title, and direct literal HTTPS URLs":"Arizona Corporation Commission, public form lists: https://www.azcc.gov/corporations/forms; https://www.azcc.gov/corporations/forms/corporation-forms.","Actual read scope, version, status, and limits":"Fresh generic lists, including relevant corporation-form list. No authenticated CSO-specific bond located. Absence from these lists does not establish nonexistence."},"coordinator_verification_status":"unreopened_original_body_or_access_currentness_hold","coordinator_review":{"reviewed_at":"2026-10-29T06:23:50.586874+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","read_map":"[internal evidence reference]","scope":"Originalresearcherread/access/versionstatement preservedasattributeddatedevidenceonly;no newcompletebody/currentness/absenceauthentication.","complete_source_accepted":false,"original_record_preserved":true}},{"source_id":"S_AZ-P08-S013","urls":["https://www.azcc.gov/docs/default-source/corps-files/forms/coversheet979408dc07e143058c2fb90887be701f.pdf?sfvrsn=5107f062_14","https://www.azcc.gov/docs/default-source/corps-files/forms/coversheet979408dc07e143058c2fb90887be701f.pdf?sfvrsn=5107f062_14&utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_AZ-P08-S013","Issuer, title, and direct literal HTTPS URLs":"ACC, generic cover sheet: https://www.azcc.gov/docs/default-source/corps-files/forms/coversheet979408dc07e143058c2fb90887be701f.pdf?sfvrsn=5107f062_14.","Actual read scope, version, status, and limits":"Fresh full one-page PDF, printed p. 1 / index 0, CFCVLR REV 03/2020. Generic submission/payment/expedite fields. Not a CSO bond instrument; listed generic expedited charges not applied to CSO filing."},"coordinator_verification_status":"unreopened_original_body_or_access_currentness_hold","coordinator_review":{"reviewed_at":"2026-10-29T06:23:50.586874+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","read_map":"[internal evidence reference]","scope":"Originalresearcherread/access/versionstatement preservedasattributeddatedevidenceonly;no newcompletebody/currentness/absenceauthentication.","complete_source_accepted":false,"original_record_preserved":true}},{"source_id":"S_AZ-P08-S014","urls":["https://www.azag.gov/consumer/tips/credit-reporting-credit-repair","https://www.azag.gov/consumer/credit","https://www.azag.gov/consumer/tips/credit-reporting-credit-repair?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_AZ-P08-S014","Issuer, title, and direct literal HTTPS URLs":"Arizona AG, Credit Reporting and Credit Repair: https://www.azag.gov/consumer/tips/credit-reporting-credit-repair. Failed prior route: https://www.azag.gov/consumer/credit.","Actual read scope, version, status, and limits":"Fresh relevant guidance body, including cancellation/payment and reporting discussion. Prior route 404; different official page recovered. Undated. Three-business-day language and possible dispute-statement-charge language are not substituted for statutes."},"coordinator_verification_status":"selected_new_public_primary_or_actual_published_body_read_with_limits","additional_failed_or_partial_route_records":[{"Source":"S014","Exact failed or partial route":"https://www.azag.gov/consumer/credit","Actual result; recovery or next evidence":"404. Different official tips page recovered; statutory conflicts preserved."}],"coordinator_review":{"reviewed_at":"2026-10-29T06:23:50.586874+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","read_map":"[internal evidence reference]","scope":"OnlyAGguidance35–90selectedincludingpossible-dispute-statement-feeat85; comparedagainstfresh1694D2nocharge. Cancellation/paymentsectionsnotreturned/readhere;oldfailedpriorrouteunretried.","complete_source_accepted":false,"original_record_preserved":true}},{"source_id":"S_AZ-P08-S015","urls":["https://law.justia.com/cases/arizona/court-of-appeals/1993/176-ariz-148.html","https://law.justia.com/cases/arizona/court-of-appeals/1993/176-ariz-148.html?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_AZ-P08-S015","Issuer, title, and direct literal HTTPS URLs":"Arizona Court of Appeals, Sgrillo, reproduced by Justia: https://law.justia.com/cases/arizona/court-of-appeals/1993/176-ariz-148.html.","Actual read scope, version, status, and limits":"Fresh complete published majority, August 26, 1993, 176 Ariz. 148–149. No official opinion body located in bounded official-domain discovery; no fictitious official HTTP failure assigned. Reproduction hosting disclosed."},"coordinator_verification_status":"selected_new_public_primary_or_actual_published_body_read_with_limits","coordinator_review":{"reviewed_at":"2026-10-29T06:23:50.586874+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","read_map":"[internal evidence reference]","scope":"WholeactualSgrilloreproducedmajority50–65plusdate/posturemetadataread;outboundArizona/non-residentfactsandconcededCSOclassification preserved. Underlyingcitedopinions/original1988act/currentcitatornotnewlyread.","complete_source_accepted":false,"original_record_preserved":true}},{"source_id":"S_AZ-P08-S016","urls":["https://uscode.house.gov/us/usc/119-118/t15/s1679/","https://uscode.house.gov/us/usc/119-118/t15/s1679a/","https://uscode.house.gov/us/usc/119-118/t15/s1679b/","https://uscode.house.gov/us/usc/119-118/t15/s1679c/","https://uscode.house.gov/us/usc/119-118/t15/s1679d/","https://uscode.house.gov/us/usc/119-118/t15/s1679e/","https://uscode.house.gov/us/usc/119-118/t15/s1679f/","https://uscode.house.gov/us/usc/119-118/t15/s1679g/","https://uscode.house.gov/us/usc/119-118/t15/s1679h/","https://uscode.house.gov/us/usc/119-118/t15/s1679i/","https://uscode.house.gov/us/usc/119-118/t15/s1679j/","https://uscode.house.gov/us/usc/119-134/t15/s1679j/","https://uscode.house.gov/us/usc/119-134/t15/s1679e/","https://uscode.house.gov/us/usc/119-118/t15/s1679/?utm_source=chatgpt.com","https://uscode.house.gov/us/usc/119-118/t15/s1679a/?utm_source=chatgpt.com","https://uscode.house.gov/us/usc/119-118/t15/s1679b/?utm_source=chatgpt.com","https://uscode.house.gov/us/usc/119-118/t15/s1679c/?utm_source=chatgpt.com","https://uscode.house.gov/us/usc/119-118/t15/s1679d/?utm_source=chatgpt.com","https://uscode.house.gov/us/usc/119-118/t15/s1679e/?utm_source=chatgpt.com","https://uscode.house.gov/us/usc/119-118/t15/s1679f/?utm_source=chatgpt.com","https://uscode.house.gov/us/usc/119-118/t15/s1679g/?utm_source=chatgpt.com","https://uscode.house.gov/us/usc/119-118/t15/s1679h/?utm_source=chatgpt.com","https://uscode.house.gov/us/usc/119-118/t15/s1679i/?utm_source=chatgpt.com","https://uscode.house.gov/us/usc/119-118/t15/s1679j/?utm_source=chatgpt.com","https://uscode.house.gov/us/usc/119-134/t15/s1679j/?utm_source=chatgpt.com","https://uscode.house.gov/us/usc/119-134/t15/s1679e/?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_AZ-P08-S016","Issuer, title, and direct literal HTTPS URLs":"OLRC, CROA, 15 U.S.C. §§ 1679–1679j: https://uscode.house.gov/us/usc/119-118/t15/s1679/; https://uscode.house.gov/us/usc/119-118/t15/s1679a/; https://uscode.house.gov/us/usc/119-118/t15/s1679b/; https://uscode.house.gov/us/usc/119-118/t15/s1679c/; https://uscode.house.gov/us/usc/119-118/t15/s1679d/; https://uscode.house.gov/us/usc/119-118/t15/s1679e/; https://uscode.house.gov/us/usc/119-118/t15/s1679f/; https://uscode.house.gov/us/usc/119-118/t15/s1679g/; https://uscode.house.gov/us/usc/119-118/t15/s1679h/; https://uscode.house.gov/us/usc/119-118/t15/s1679i/; https://uscode.house.gov/us/usc/119-118/t15/s1679j/. Newer: https://uscode.house.gov/us/usc/119-134/t15/s1679j/; https://uscode.house.gov/us/usc/119-134/t15/s1679e/.","Actual read scope, version, status, and limits":"Fresh complete operative bodies/notes in the first eleven paths, with displayed currency PL 119-120, October 7, 2026, despite path 119-118. Newer § 1679j full body displayed October 20 currency; newer § 1679e only subsection (c)/notes recovered before a later failure. Full newer release held. Section 1679i was read but no actual remedy limitations calculation performed."},"coordinator_verification_status":"selected_new_public_primary_or_actual_published_body_read_with_limits","additional_failed_or_partial_route_records":[{"Source":"S016","Exact failed or partial route":"https://uscode.house.gov/us/usc/119-124/t15/s1679a/; https://uscode.house.gov/us/usc/119-124/t15/s1679b/; https://uscode.house.gov/us/usc/119-124/t15/s1679c/","Actual result; recovery or next evidence":"Bodies inaccessible on these release routes. October 7 bodies recovered from different discovered release paths; no claim that these failed versions were read."},{"Source":"S016","Exact failed or partial route":"https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title15-section1679a&num=0&edition=prelim","Actual result; recovery or next evidence":"404. Recovered through S016 readable release body."},{"Source":"S016","Exact failed or partial route":"https://uscode.house.gov/view.xhtml?req=%28title%3A15+section%3A1679a+edition%3Aprelim%29","Actual result; recovery or next evidence":"Internal retrieval error. No body attributed to this route."},{"Source":"S016","Exact failed or partial route":"https://uscode.house.gov/view.xhtml?ca_referer=34999&edition=prelim&num=0&req=granuleid%3AUSC-prelim-title15-chapter41-subchapterII-A","Actual result; recovery or next evidence":"Maintenance response. Different official archived/current-release bodies used with their dates."},{"Source":"S016","Exact failed or partial route":"https://usc-cdn.house.gov/view.xhtml?edition=prelim&req=granuleid%3AUSC-prelim-title15-chapter41-subchapterII-A&saved=%7CZ3JhbnVsZWlkOlVTQy1wcmVsaW0tdGl0bGUxNS1zZWN0aW9uMTY3OWM%3D%7C%7C%7C0%7Cfalse%7Cprelim","Actual result; recovery or next evidence":"400/timeout. No operative body recovered there."},{"Source":"S016/S017","Exact failed or partial route":"https://www.govinfo.gov/content/pkg/USCODE-2025-title15/html/USCODE-2025-title15-chap41-subchapII-A.htm","Actual result; recovery or next evidence":"Inaccessible. Different official 2024 edition recovered; later readable OLRC bodies separately recovered."},{"Source":"S016/S034","Exact failed or partial route":"https://uscode.house.gov/view.xhtml?edition=prelim&f=treesort&jumpTo=true&num=0&req=%28title%3A15+USC+section%3A1679+edition%3Aprelim%29+OR+%28granuleid%3AUSC-prelim-title15+USC-section1679%29","Actual result; recovery or next evidence":"FTC index’s linked route returned 404. Index not used as substitute law."},{"Source":"S016","Exact failed or partial route":"https://uscode.house.gov/us/usc/119-134/t15/s1679/; https://uscode.house.gov/us/usc/119-134/t15/s1679a/; https://uscode.house.gov/us/usc/119-134/t15/s1679b/; https://uscode.house.gov/us/usc/119-134/t15/s1679c/; https://uscode.house.gov/us/usc/119-134/t15/s1679d/","Actual result; recovery or next evidence":"Newer-release bodies inaccessible. These are not treated as October 20 statutory readings."},{"Source":"S016","Exact failed or partial route":"https://uscode.house.gov/us/usc/119-134/t15/s1679e/; https://uscode.house.gov/us/usc/119-134/t15/s1679f/; https://uscode.house.gov/us/usc/119-134/t15/s1679g/; https://uscode.house.gov/us/usc/119-134/t15/s1679h/","Actual result; recovery or next evidence":"§ 1679e(c)/notes were partially read once; subsequent body retrieval failed. Other listed bodies inaccessible. Complete newer-release currentness held."},{"Source":"S016","Exact failed or partial route":"https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title15-section1679e&num=0&edition=prelim","Actual result; recovery or next evidence":"404. October 7 full body and original enactment supply the stated wording; later currency remains qualified."}],"coordinator_review":{"reviewed_at":"2026-10-29T06:23:50.586874+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","read_map":"[internal evidence reference]","scope":"OLRC1679a,b,c,g,jselectedbodiesdisplayPL119-120Oct7,2026. Literals1679d/e/fnew404onceeachnotretriedorreleasevariants;archived2024bodiesseparateS017. No whole1679–j/updating/newer-releasecertificate;h/iandotherbodiesunreopened.","complete_source_accepted":false,"original_record_preserved":true}},{"source_id":"S_AZ-P08-S017","urls":["https://www.govinfo.gov/content/pkg/USCODE-2024-title15/html/USCODE-2024-title15-chap41-subchapII-A.htm","https://www.govinfo.gov/content/pkg/USCODE-2024-title15/html/USCODE-2024-title15-chap41-subchapII-A.htm?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_AZ-P08-S017","Issuer, title, and direct literal HTTPS URLs":"GPO, 2024 U.S. Code CROA: https://www.govinfo.gov/content/pkg/USCODE-2024-title15/html/USCODE-2024-title15-chap41-subchapII-A.htm.","Actual read scope, version, status, and limits":"Fresh complete official archived body, §§ 1679–1679j and notes, 2024 edition. Initially used as readable fallback and compared with recovered OLRC bodies. Historical edition, not October 2026 currency."},"coordinator_verification_status":"selected_new_public_primary_or_actual_published_body_read_with_limits","additional_failed_or_partial_route_records":[{"Source":"S016/S017","Exact failed or partial route":"https://www.govinfo.gov/content/pkg/USCODE-2025-title15/html/USCODE-2025-title15-chap41-subchapII-A.htm","Actual result; recovery or next evidence":"Inaccessible. Different official 2024 edition recovered; later readable OLRC bodies separately recovered."}],"coordinator_review":{"reviewed_at":"2026-10-29T06:23:50.586874+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","read_map":"[internal evidence reference]","scope":"Datedofficial2024archive:1679d/e/foperativebodiesselected179–274,notes/transitionexcerpt177–276read. Shows3-business-day/required3rd-daydifference;notcurrent2026d/e/fauthentication,notallsubchapterre-read.","complete_source_accepted":false,"original_record_preserved":true}},{"source_id":"S_AZ-P08-S018","urls":["https://www.govinfo.gov/content/pkg/PLAW-104publ208/pdf/PLAW-104publ208.pdf","https://www.govinfo.gov/content/pkg/PLAW-104publ208/pdf/PLAW-104publ208.pdf?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_AZ-P08-S018","Issuer, title, and direct literal HTTPS URLs":"Congress/GPO, Public Law 104-208, § 2451 inserting CROA: https://www.govinfo.gov/content/pkg/PLAW-104publ208/pdf/PLAW-104publ208.pdf.","Actual read scope, version, status, and limits":"Fresh original enacted text, September 30, 1996. Title page and all inserted §§ 401–413 read, 110 Stat. 3009-454 through 3009-462 / PDF indices 454–462. Not the entire 750-page act. Original wording and transition evidence; later codification separately checked."},"coordinator_verification_status":"unreopened_original_body_or_access_currentness_hold","coordinator_review":{"reviewed_at":"2026-10-29T06:23:50.586874+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","read_map":"[internal evidence reference]","scope":"Originalresearcherread/access/versionstatement preservedasattributeddatedevidenceonly;no newcompletebody/currentness/absenceauthentication.","complete_source_accepted":false,"original_record_preserved":true}},{"source_id":"S_AZ-P08-S019","urls":["https://uscode.house.gov/us/usc/119-118/t26/s501/","https://www.govinfo.gov/content/pkg/USCODE-2024-title26/html/USCODE-2024-title26-subtitleA-chap1-subchapF-partI-sec501.htm","https://uscode.house.gov/us/usc/119-118/t26/s501/?utm_source=chatgpt.com","https://www.govinfo.gov/content/pkg/USCODE-2024-title26/html/USCODE-2024-title26-subtitleA-chap1-subchapF-partI-sec501.htm?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_AZ-P08-S019","Issuer, title, and direct literal HTTPS URLs":"OLRC, 26 U.S.C. § 501: https://uscode.house.gov/us/usc/119-118/t26/s501/. Archived fallback: https://www.govinfo.gov/content/pkg/USCODE-2024-title26/html/USCODE-2024-title26-subtitleA-chap1-subchapF-partI-sec501.htm.","Actual read scope, version, status, and limits":"Fresh § 501(c)(3), all (q), relevant 2006 effective notes; current header October 7, 2026. The underlying 2006 act was not separately opened. Broader tax regulations and actual status not examined."},"coordinator_verification_status":"unreopened_original_body_or_access_currentness_hold","coordinator_review":{"reviewed_at":"2026-10-29T06:23:50.586874+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","read_map":"[internal evidence reference]","scope":"Originalresearcherread/access/versionstatement preservedasattributeddatedevidenceonly;no newcompletebody/currentness/absenceauthentication.","complete_source_accepted":false,"original_record_preserved":true}},{"source_id":"S_AZ-P08-S020","urls":["https://uscode.house.gov/us/usc/119-118/t15/s1602/","https://www.govinfo.gov/content/pkg/USCODE-2024-title15/html/USCODE-2024-title15-chap41-subchapI-partA-sec1602.htm","https://uscode.house.gov/us/usc/119-118/t15/s1602/?utm_source=chatgpt.com","https://www.govinfo.gov/content/pkg/USCODE-2024-title15/html/USCODE-2024-title15-chap41-subchapI-partA-sec1602.htm?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_AZ-P08-S020","Issuer, title, and direct literal HTTPS URLs":"OLRC, 15 U.S.C. § 1602: https://uscode.house.gov/us/usc/119-118/t15/s1602/. Archived fallback: https://www.govinfo.gov/content/pkg/USCODE-2024-title15/html/USCODE-2024-title15-chap41-subchapI-partA-sec1602.htm.","Actual read scope, version, status, and limits":"Fresh current (a)–(aa), relying on (f), (g), (i); older (a)–(k) fallback also read. October 7 header. Not a complete Regulation Z or special-credit-sector study."},"coordinator_verification_status":"unreopened_original_body_or_access_currentness_hold","coordinator_review":{"reviewed_at":"2026-10-29T06:23:50.586874+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","read_map":"[internal evidence reference]","scope":"Originalresearcherread/access/versionstatement preservedasattributeddatedevidenceonly;no newcompletebody/currentness/absenceauthentication.","complete_source_accepted":false,"original_record_preserved":true}},{"source_id":"S_AZ-P08-S021","urls":["https://uscode.house.gov/us/usc/119-118/t12/s1813/","https://www.govinfo.gov/content/pkg/USCODE-2024-title12/html/USCODE-2024-title12-chap16-sec1813.htm","https://uscode.house.gov/us/usc/119-118/t12/s1813/?utm_source=chatgpt.com","https://www.govinfo.gov/content/pkg/USCODE-2024-title12/html/USCODE-2024-title12-chap16-sec1813.htm?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_AZ-P08-S021","Issuer, title, and direct literal HTTPS URLs":"OLRC, 12 U.S.C. § 1813: https://uscode.house.gov/us/usc/119-118/t12/s1813/. Archived fallback: https://www.govinfo.gov/content/pkg/USCODE-2024-title12/html/USCODE-2024-title12-chap16-sec1813.htm.","Actual read scope, version, status, and limits":"Fresh current (a)–(h), (w); archived (a)–(f) also read. October 7 header. Incorporated § 1841(k) full body not read; no actual affiliate/control conclusion."},"coordinator_verification_status":"unreopened_original_body_or_access_currentness_hold","coordinator_review":{"reviewed_at":"2026-10-29T06:23:50.586874+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","read_map":"[internal evidence reference]","scope":"Originalresearcherread/access/versionstatement preservedasattributeddatedevidenceonly;no newcompletebody/currentness/absenceauthentication.","complete_source_accepted":false,"original_record_preserved":true}},{"source_id":"S_AZ-P08-S022","urls":["https://www.govinfo.gov/content/pkg/COMPS-264/pdf/COMPS-264.pdf","https://www.govinfo.gov/content/pkg/COMPS-264/pdf/COMPS-264.pdf?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_AZ-P08-S022","Issuer, title, and direct literal HTTPS URLs":"House Office of Legislative Counsel/GPO, Federal Credit Union Act compilation: https://www.govinfo.gov/content/pkg/COMPS-264/pdf/COMPS-264.pdf.","Actual read scope, version, status, and limits":"Fresh full § 101 definitions, corresponding to 12 U.S.C. § 1752, printed pp. 1–2 / PDF indices 0–1. Compilation amended through PL 119-101, July 11, 2026; generated July 29. Government-hosted but expressly not the official statutory version. Only relevant definitions, not all 138 pages, read."},"coordinator_verification_status":"unreopened_original_body_or_access_currentness_hold","additional_failed_or_partial_route_records":[{"Source":"S022","Exact failed or partial route":"https://www.govinfo.gov/content/pkg/USCODE-2024-title12/html/USCODE-2024-title12-chap14-subchapI-sec1752.htm; https://www.govinfo.gov/content/pkg/USCODE-2024-title12/html/USCODE-2024-title12-chap14-sec1752.htm","Actual result; recovery or next evidence":"Both unavailable through retrieval. Different government-hosted HOLC compilation recovered, with its express nonofficial-version limitation."}],"coordinator_review":{"reviewed_at":"2026-10-29T06:23:50.586874+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","read_map":"[internal evidence reference]","scope":"Originalresearcherread/access/versionstatement preservedasattributeddatedevidenceonly;no newcompletebody/currentness/absenceauthentication.","complete_source_accepted":false,"original_record_preserved":true}},{"source_id":"S_AZ-P08-S023","urls":["https://uscode.house.gov/us/usc/119-118/t15/s1681a/","https://uscode.house.gov/us/usc/119-118/t15/s1681b/","https://www.govinfo.gov/content/pkg/USCODE-2024-title15/html/USCODE-2024-title15-chap41-subchapIII-sec1681a.htm","https://www.govinfo.gov/content/pkg/USCODE-2024-title15/html/USCODE-2024-title15-chap41-subchapIII-sec1681b.htm","https://uscode.house.gov/us/usc/119-118/t15/s1681a/?utm_source=chatgpt.com","https://uscode.house.gov/us/usc/119-118/t15/s1681b/?utm_source=chatgpt.com","https://www.govinfo.gov/content/pkg/USCODE-2024-title15/html/USCODE-2024-title15-chap41-subchapIII-sec1681a.htm?utm_source=chatgpt.com","https://www.govinfo.gov/content/pkg/USCODE-2024-title15/html/USCODE-2024-title15-chap41-subchapIII-sec1681b.htm?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_AZ-P08-S023","Issuer, title, and direct literal HTTPS URLs":"OLRC, FCRA definitions/permissible purposes: https://uscode.house.gov/us/usc/119-118/t15/s1681a/; https://uscode.house.gov/us/usc/119-118/t15/s1681b/. Archived fallbacks: https://www.govinfo.gov/content/pkg/USCODE-2024-title15/html/USCODE-2024-title15-chap41-subchapIII-sec1681a.htm; https://www.govinfo.gov/content/pkg/USCODE-2024-title15/html/USCODE-2024-title15-chap41-subchapIII-sec1681b.htm.","Actual read scope, version, status, and limits":"Fresh material portions: § 1681a(b)–(g), including report/CRA definitions; § 1681b(a), (f). October 7 header. 2025 amendment note observed; no full FCRA or § 1681e certification analysis."},"coordinator_verification_status":"unreopened_original_body_or_access_currentness_hold","coordinator_review":{"reviewed_at":"2026-10-29T06:23:50.586874+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","read_map":"[internal evidence reference]","scope":"Originalresearcherread/access/versionstatement preservedasattributeddatedevidenceonly;no newcompletebody/currentness/absenceauthentication.","complete_source_accepted":false,"original_record_preserved":true}},{"source_id":"S_AZ-P08-S024","urls":["https://uscode.house.gov/us/usc/119-118/t15/s44/","https://uscode.house.gov/us/usc/119-118/t15/s45/","https://uscode.house.gov/us/usc/119-118/t15/s6102/","https://uscode.house.gov/us/usc/119-118/t15/s6105/","https://www.govinfo.gov/content/pkg/USCODE-2024-title15/html/USCODE-2024-title15-chap2-subchapI-sec44.htm","https://www.govinfo.gov/content/pkg/USCODE-2024-title15/html/USCODE-2024-title15-chap2-subchapI-sec45.htm","https://www.govinfo.gov/content/pkg/USCODE-2024-title15/html/USCODE-2024-title15-chap87-sec6105.htm","https://uscode.house.gov/us/usc/119-118/t15/s44/?utm_source=chatgpt.com","https://uscode.house.gov/us/usc/119-118/t15/s45/?utm_source=chatgpt.com","https://uscode.house.gov/us/usc/119-118/t15/s6102/?utm_source=chatgpt.com","https://uscode.house.gov/us/usc/119-118/t15/s6105/?utm_source=chatgpt.com","https://www.govinfo.gov/content/pkg/USCODE-2024-title15/html/USCODE-2024-title15-chap2-subchapI-sec44.htm?utm_source=chatgpt.com","https://www.govinfo.gov/content/pkg/USCODE-2024-title15/html/USCODE-2024-title15-chap2-subchapI-sec45.htm?utm_source=chatgpt.com","https://www.govinfo.gov/content/pkg/USCODE-2024-title15/html/USCODE-2024-title15-chap87-sec6105.htm?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_AZ-P08-S024","Issuer, title, and direct literal HTTPS URLs":"OLRC, FTC/telemarketing jurisdiction: https://uscode.house.gov/us/usc/119-118/t15/s44/; https://uscode.house.gov/us/usc/119-118/t15/s45/; https://uscode.house.gov/us/usc/119-118/t15/s6102/; https://uscode.house.gov/us/usc/119-118/t15/s6105/. Archived fallbacks: https://www.govinfo.gov/content/pkg/USCODE-2024-title15/html/USCODE-2024-title15-chap2-subchapI-sec44.htm; https://www.govinfo.gov/content/pkg/USCODE-2024-title15/html/USCODE-2024-title15-chap2-subchapI-sec45.htm; https://www.govinfo.gov/content/pkg/USCODE-2024-title15/html/USCODE-2024-title15-chap87-sec6105.htm.","Actual read scope, version, status, and limits":"Fresh relevant § 44 definitions, § 45(a), and operative §§ 6102/6105. October 7 headers. Deeper banking/securities/commodities crossreferences not all opened. Current § 53 retrieval failed; see failure register."},"coordinator_verification_status":"unreopened_original_body_or_access_currentness_hold","additional_failed_or_partial_route_records":[{"Source":"S024","Exact failed or partial route":"https://uscode.house.gov/us/usc/119-118/t15/s53/; https://www.govinfo.gov/content/pkg/USCODE-2024-title15/html/USCODE-2024-title15-chap2-subchapI-sec53.htm","Actual result; recovery or next evidence":"OLRC 403; different GPO route inaccessible. Hold current § 53 body/amendments. AMG is used only for its actually read holding."}],"coordinator_review":{"reviewed_at":"2026-10-29T06:23:50.586874+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","read_map":"[internal evidence reference]","scope":"Originalresearcherread/access/versionstatement preservedasattributeddatedevidenceonly;no newcompletebody/currentness/absenceauthentication.","complete_source_accepted":false,"original_record_preserved":true}},{"source_id":"S_AZ-P08-S025","urls":["https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310","https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_AZ-P08-S025","Issuer, title, direct literal HTTPS URL":"OFR/eCFR, 16 C.F.R. Part 310: https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310.","Actual read scope, version, status, and limits":"Fresh operative bodies: scope; all definitions; relevant § 310.3 disclosure/misrepresentation/payment provisions; § 310.4(a)(2)–(5); all § 310.5; all § 310.6; relevant § 310.7. Displayed currency October 23, 2026, Title 16 last amended October 19. eCFR identifies itself as authoritative but unofficial, not the official legal edition."},"coordinator_verification_status":"selected_new_public_primary_or_actual_published_body_read_with_limits","coordinator_review":{"reviewed_at":"2026-10-29T06:23:50.586874+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","read_map":"[internal evidence reference]","scope":"ActualeCFRmetadatadisplaysTitle16currentOct27,2026/lastamendedOct19;unofficialauthority. Selectedcampaign,310.4a2andadjacent3–5,310.5specifiedrecords/lastuse,310.6b4–7read. Face-to-faceb3/fulljurisdiction/debtreliefaccountclauses/remainingdutiesnotnewlyread. SeparatefromoriginalOct23currency.","complete_source_accepted":false,"original_record_preserved":true}},{"source_id":"S_AZ-P08-S026","urls":["https://www.govinfo.gov/content/pkg/FR-1995-08-23/pdf/95-20655.pdf","https://www.govinfo.gov/content/pkg/FR-1995-08-23/pdf/95-20655.pdf?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_AZ-P08-S026","Issuer, title, direct literal HTTPS URL":"FTC/GPO, 1995 TSR final rule and statement of basis and purpose, 60 FR 43842: https://www.govinfo.gov/content/pkg/FR-1995-08-23/pdf/95-20655.pdf.","Actual read scope, version, status, and limits":"Fresh material final-rule reading: header p. 43842/index 0; credit-repair explanation 43853–43854/indices 11–12, including n.117; operative rule 43866/index 24. Published August 23, effective December 31, 1995. Not all 36 pages read."},"coordinator_verification_status":"selected_new_public_primary_or_actual_published_body_read_with_limits","coordinator_review":{"reviewed_at":"2026-10-29T06:23:50.586874+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","read_map":"[internal evidence reference]","scope":"Original1995finalruleparsedP11/printed43853footnote117atnative2288–2295confirmslongestrepresentedtimeframe;returnedcontext2250–2360/2400–2462read. Header/effectivedate/fullcreditrepairanalysis/operativeamendmentnotnewlyread;notwhole1995rule/currentness.","complete_source_accepted":false,"original_record_preserved":true}},{"source_id":"S_AZ-P08-S027","urls":["https://www.govinfo.gov/content/pkg/FR-2024-04-16/pdf/2024-07180.pdf","https://www.federalregister.gov/documents/2024/04/16/2024-07180/telemarketing-sales-rule","https://www.govinfo.gov/content/pkg/FR-2024-04-16/pdf/2024-07180.pdf?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_AZ-P08-S027","Issuer, title, direct literal HTTPS URL":"FTC/GPO, April 2024 TSR final amendment: https://www.govinfo.gov/content/pkg/FR-2024-04-16/pdf/2024-07180.pdf. Official HTML: https://www.federalregister.gov/documents/2024/04/16/2024-07180/telemarketing-sales-rule.","Actual read scope, version, status, and limits":"Fresh header and entire operative amendment, 26760/index 0; 26783–26786/indices 23–26. Published April 16; effective May 16, 2024; § 310.5(a)(2) compliance October 15, 2024. Recordkeeping/B2B and technical wording changes; no new Arizona-bond exception."},"coordinator_verification_status":"unreopened_original_body_or_access_currentness_hold","coordinator_review":{"reviewed_at":"2026-10-29T06:23:50.586874+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","read_map":"[internal evidence reference]","scope":"Originalresearcherread/access/versionstatement preservedasattributeddatedevidenceonly;no newcompletebody/currentness/absenceauthentication.","complete_source_accepted":false,"original_record_preserved":true}},{"source_id":"S_AZ-P08-S028","urls":["https://www.govinfo.gov/content/pkg/FR-2024-12-10/pdf/2024-28399.pdf","https://www.federalregister.gov/documents/2024/12/10/2024-28399/telemarketing-sales-rule","https://www.govinfo.gov/content/pkg/FR-2024-12-10/pdf/2024-28399.pdf?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_AZ-P08-S028","Issuer, title, direct literal HTTPS URL":"FTC/GPO, December 2024 TSR final amendment: https://www.govinfo.gov/content/pkg/FR-2024-12-10/pdf/2024-28399.pdf. HTML: https://www.federalregister.gov/documents/2024/12/10/2024-28399/telemarketing-sales-rule.","Actual read scope, version, status, and limits":"Fresh header/operative amendment, 99069/index 0; 99075/index 6. Published December 10, 2024; effective January 9, 2025. Technical-support addition and definition lettering/inbound-exemption changes read. No full subsequent litigation certificate."},"coordinator_verification_status":"unreopened_original_body_or_access_currentness_hold","coordinator_review":{"reviewed_at":"2026-10-29T06:23:50.586874+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","read_map":"[internal evidence reference]","scope":"Originalresearcherread/access/versionstatement preservedasattributeddatedevidenceonly;no newcompletebody/currentness/absenceauthentication.","complete_source_accepted":false,"original_record_preserved":true}},{"source_id":"S_AZ-P08-S029","urls":["https://www.ftc.gov/business-guidance/resources/complying-telemarketing-sales-rule","https://www.ftc.gov/business-guidance/resources/complying-telemarketing-sales-rule?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_AZ-P08-S029","Issuer, title, direct literal HTTPS URL":"FTC, Complying with the Telemarketing Sales Rule: https://www.ftc.gov/business-guidance/resources/complying-telemarketing-sales-rule.","Actual read scope, version, status, and limits":"Fresh guidance portions on scope, nonprofit/institutional contractors, face-to-face, and credit repair. Revision date not established. No reliance on guide penalty amounts or unrelated DNC charges."},"coordinator_verification_status":"unreopened_original_body_or_access_currentness_hold","coordinator_review":{"reviewed_at":"2026-10-29T06:23:50.586874+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","read_map":"[internal evidence reference]","scope":"Originalresearcherread/access/versionstatement preservedasattributeddatedevidenceonly;no newcompletebody/currentness/absenceauthentication.","complete_source_accepted":false,"original_record_preserved":true}},{"source_id":"S_AZ-P08-S030","urls":["https://cdn.ca9.uscourts.gov/datastore/opinions/2014/02/21/10-56887.pdf","https://cdn.ca9.uscourts.gov/datastore/opinions/2014/02/21/10-56887.pdf?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_AZ-P08-S030","Issuer, title, direct literal HTTPS URL":"Ninth Circuit, Stout v. FreeScore, published opinion: https://cdn.ca9.uscourts.gov/datastore/opinions/2014/02/21/10-56887.pdf.","Actual read scope, version, status, and limits":"Fresh all 19 pages, February 21, 2014. Material classification pp. 12–18/indices 11–17; disposition pp. 18–19/indices 17–18. Official body; no full citator."},"coordinator_verification_status":"selected_new_public_primary_or_actual_published_body_read_with_limits","coordinator_review":{"reviewed_at":"2026-10-29T06:23:50.586874+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","read_map":"[internal evidence reference]","scope":"StoutofficialpublishedPDFselectedmajority339–410/468–522:express/impliedrepresentation/monitoringlabel,underlyingcomparisons/dispositionreversalandremand. Notall19pagesfreshlyre-read/nocurrentcitator;underlyingcasesquotedonly.","complete_source_accepted":false,"original_record_preserved":true}},{"source_id":"S_AZ-P08-S031","urls":["https://law.justia.com/cases/federal/appellate-courts/F3/265/944/632739/","https://law.justia.com/cases/federal/appellate-courts/F3/265/944/632739/?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_AZ-P08-S031","Issuer, title, direct literal HTTPS URL":"Ninth Circuit, FTC v. Gill, Justia reproduction: https://law.justia.com/cases/federal/appellate-courts/F3/265/944/632739/.","Actual read scope, version, status, and limits":"Fresh entire majority, September 12, 2001. Discussion A’s final advance-payment paragraphs relied on. Official-domain opinion discovery unsuccessful; no invented official case URL/error. Reproduction has no internal reporter pagination."},"coordinator_verification_status":"selected_new_public_primary_or_actual_published_body_read_with_limits","coordinator_review":{"reviewed_at":"2026-10-29T06:23:50.586874+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","read_map":"[internal evidence reference]","scope":"Gillactualreproducedmajorityselectedposture57–87/background125–147/merits159–178includes165–167preliminarywork/down-paymentrejection. Othermerits/remedybody/genericindependentcontractorissueonlyattributedwhereunread. AMGselectedholding separatelyboundsoldmonetaryroute.","complete_source_accepted":false,"original_record_preserved":true}},{"source_id":"S_AZ-P08-S032","urls":["https://www.govinfo.gov/content/pkg/USREPORTS-565/pdf/USREPORTS-565-95.pdf","https://www.govinfo.gov/content/pkg/USREPORTS-565/pdf/USREPORTS-565-95.pdf?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_AZ-P08-S032","Issuer, title, direct literal HTTPS URL":"Supreme Court/GPO, CompuCredit v. Greenwood, 565 U.S. 95: https://www.govinfo.gov/content/pkg/USREPORTS-565/pdf/USREPORTS-565-95.pdf.","Actual read scope, version, status, and limits":"Fresh majority pp. 96–105 / PDF indices 1–10, January 10, 2012; appendix partially read. Separate writings not fully read. Official slip route failed, official U.S. Reports recovered."},"coordinator_verification_status":"selected_new_public_primary_or_actual_published_body_read_with_limits","additional_failed_or_partial_route_records":[{"Source":"S032","Exact failed or partial route":"https://www.supremecourt.gov/opinions/11pdf/10-948.pdf","Actual result; recovery or next evidence":"404. Different official U.S. Reports PDF recovered."}],"coordinator_review":{"reviewed_at":"2026-10-29T06:23:50.586874+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","read_map":"[internal evidence reference]","scope":"CompuCreditofficialU.S.Reportsselectedmajority98n1/99right-to-sue/104–105arbitrationoutcomeandappendixpartial:actorclassificationnotdecidedandCROAnotcategoricalFAAbar. Separatewritings/fullarbitration/currentcitationchainnotnewlyread.","complete_source_accepted":false,"original_record_preserved":true}},{"source_id":"S_AZ-P08-S033","urls":["https://www.supremecourt.gov/opinions/20pdf/19-508_l6gn.pdf","https://www.supremecourt.gov/opinions/20pdf/19-508_l6gn.pdf?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_AZ-P08-S033","Issuer, title, direct literal HTTPS URL":"Supreme Court, AMG Capital Management v. FTC: https://www.supremecourt.gov/opinions/20pdf/19-508_l6gn.pdf.","Actual read scope, version, status, and limits":"Fresh entire majority slip pp. 1–15 / PDF indices 3–17, April 22, 2021. Syllabus not used as the holding. Failed GPO route followed by successful official slip opinion."},"coordinator_verification_status":"selected_new_public_primary_or_actual_published_body_read_with_limits","additional_failed_or_partial_route_records":[{"Source":"S033","Exact failed or partial route":"https://www.govinfo.gov/content/pkg/USREPORTS-593/pdf/USREPORTS-593-67.pdf","Actual result; recovery or next evidence":"Inaccessible. Different official Supreme Court slip PDF recovered."}],"coordinator_review":{"reviewed_at":"2026-10-29T06:23:50.586874+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","read_map":"[internal evidence reference]","scope":"AMGofficial2021slipopinionselectedmajority6–7native250–285:13bpermanent-injunctiontextdoesnotauthorizeequitablemonetaryrelief. Disposition/restofmajority/current53notfreshlyread;knownfailed53andotheropinionrouteunretried.","complete_source_accepted":false,"original_record_preserved":true}},{"source_id":"S_AZ-P08-S034","urls":["https://www.ftc.gov/legal-library/browse/statutes/credit-repair-organizations-act","https://www.ftc.gov/legal-library/browse/statutes/credit-repair-organizations-act?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_AZ-P08-S034","Issuer, title, direct literal HTTPS URL":"FTC, Credit Repair Organizations Act statute index: https://www.ftc.gov/legal-library/browse/statutes/credit-repair-organizations-act.","Actual read scope, version, status, and limits":"Fresh index only, used to discover the official statute route. Index title/link is not operative statutory evidence. Its linked OLRC route failed; bodies were recovered separately as S016/S017."},"coordinator_verification_status":"unreopened_original_body_or_access_currentness_hold","additional_failed_or_partial_route_records":[{"Source":"S016/S034","Exact failed or partial route":"https://uscode.house.gov/view.xhtml?edition=prelim&f=treesort&jumpTo=true&num=0&req=%28title%3A15+USC+section%3A1679+edition%3Aprelim%29+OR+%28granuleid%3AUSC-prelim-title15+USC-section1679%29","Actual result; recovery or next evidence":"FTC index’s linked route returned 404. Index not used as substitute law."}],"coordinator_review":{"reviewed_at":"2026-10-29T06:23:50.586874+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","read_map":"[internal evidence reference]","scope":"Originalresearcherread/access/versionstatement preservedasattributeddatedevidenceonly;no newcompletebody/currentness/absenceauthentication.","complete_source_accepted":false,"original_record_preserved":true}}],"coverage":[{"topic":"G01","researcher_record":{"Row":"G01","Requested issue":"Arizona buyer and CSO definitions","Status / claim references":"Answered-text — C001–C002","Exact missing evidence or next action":"Actual purchaser, services, consideration and representations remain private facts."},"coordinator_acceptance":"scoped_reconciled_with_source_currentness_and_application_holds","raw_table_index":15,"raw_row_index":1,"classification":"coverage_and_remaining_hold","coordinator_claim_ids":["S_AZ-P08-C001","S_AZ-P08-C002"],"coordinator_source_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T06:23:50.586874+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","original_locations":[[83014,83161]],"material_correction_ids":[],"all_original_missing_evidence_preserved":true,"state_parent_component_accepted":false}},{"topic":"G02","researcher_record":{"Row":"G02","Requested issue":"Credit and consumer-purpose predicate","Status / claim references":"Partial — C003","Exact missing evidence or next action":"Determine actual purpose and whether a deferral right was granted; no mixed-purpose factual decision."},"coordinator_acceptance":"scoped_reconciled_with_source_currentness_and_application_holds","raw_table_index":15,"raw_row_index":2,"classification":"coverage_and_remaining_hold","coordinator_claim_ids":["S_AZ-P08-C003"],"coordinator_source_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T06:23:50.586874+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","original_locations":[[83162,83320]],"material_correction_ids":[],"all_original_missing_evidence_preserved":true,"state_parent_component_accepted":false}},{"topic":"G03","researcher_record":{"Row":"G03","Requested issue":"Payment concession as obtaining credit","Status / claim references":"Held — C004","Exact missing evidence or next action":"Responsive published Arizona construction or final authoritative interpretation of § 44-1701 in that factual setting."},"coordinator_acceptance":"scoped_reconciled_with_source_currentness_and_application_holds","raw_table_index":15,"raw_row_index":3,"classification":"coverage_and_remaining_hold","coordinator_claim_ids":["S_AZ-P08-C004"],"coordinator_source_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T06:23:50.586874+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","original_locations":[[83321,83493]],"material_correction_ids":[],"all_original_missing_evidence_preserved":true,"state_parent_component_accepted":false}},{"topic":"G04","researcher_record":{"Row":"G04","Requested issue":"Repair versus monitoring/education","Status / claim references":"Partial — C005, C043, C077","Exact missing evidence or next action":"Complete actual marketing/service record; no label-based classification."},"coordinator_acceptance":"scoped_reconciled_with_source_currentness_and_application_holds","raw_table_index":15,"raw_row_index":4,"classification":"coverage_and_remaining_hold","coordinator_claim_ids":["S_AZ-P08-C005","S_AZ-P08-C043","S_AZ-P08-C077"],"coordinator_source_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T06:23:50.586874+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","original_locations":[[83494,83632]],"material_correction_ids":[],"all_original_missing_evidence_preserved":true,"state_parent_component_accepted":false}},{"topic":"G05","researcher_record":{"Row":"G05","Requested issue":"New credit and referrals","Status / claim references":"Answered-text/conditional — C002, C017","Exact missing evidence or next action":"Actual referral terms and whether charge is solely for same-public-terms access."},"coordinator_acceptance":"scoped_reconciled_with_source_currentness_and_application_holds","raw_table_index":15,"raw_row_index":5,"classification":"coverage_and_remaining_hold","coordinator_claim_ids":["S_AZ-P08-C002","S_AZ-P08-C017"],"coordinator_source_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T06:23:50.586874+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","original_locations":[[83633,83781]],"material_correction_ids":[],"all_original_missing_evidence_preserved":true,"state_parent_component_accepted":false}},{"topic":"G06","researcher_record":{"Row":"G06","Requested issue":"Mixed services and separate prices","Status / claim references":"Held application — C005, C052, C078","Exact missing evidence or next action":"Actual integration/severability and promised performance; no assurance from invoice splitting."},"coordinator_acceptance":"scoped_reconciled_with_source_currentness_and_application_holds","raw_table_index":15,"raw_row_index":6,"classification":"coverage_and_remaining_hold","coordinator_claim_ids":["S_AZ-P08-C005","S_AZ-P08-C052","S_AZ-P08-C078"],"coordinator_source_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T06:23:50.586874+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","original_locations":[[83782,83951]],"material_correction_ids":[],"all_original_missing_evidence_preserved":true,"state_parent_component_accepted":false}},{"topic":"G07","researcher_record":{"Row":"G07","Requested issue":"Regulated lender exclusion","Status / claim references":"Answered-text/conditional — C008","Exact missing evidence or next action":"Actual authorization, regulator, supervision, and service scope."},"coordinator_acceptance":"scoped_reconciled_with_source_currentness_and_application_holds","raw_table_index":15,"raw_row_index":7,"classification":"coverage_and_remaining_hold","coordinator_claim_ids":["S_AZ-P08-C008"],"coordinator_source_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T06:23:50.586874+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","original_locations":[[83952,84080]],"material_correction_ids":[],"all_original_missing_evidence_preserved":true,"state_parent_component_accepted":false}},{"topic":"G08","researcher_record":{"Row":"G08","Requested issue":"State bank/S&L exclusion","Status / claim references":"Answered-text/conditional — C009","Exact missing evidence or next action":"Institution and insurance-eligibility evidence; historical FSLIC wording preserved."},"coordinator_acceptance":"scoped_reconciled_with_source_currentness_and_application_holds","raw_table_index":15,"raw_row_index":8,"classification":"coverage_and_remaining_hold","coordinator_claim_ids":["S_AZ-P08-C009"],"coordinator_source_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T06:23:50.586874+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","original_locations":[[84081,84226]],"material_correction_ids":[],"all_original_missing_evidence_preserved":true,"state_parent_component_accepted":false}},{"topic":"G09","researcher_record":{"Row":"G09","Requested issue":"Real-estate broker exclusion","Status / claim references":"Answered-text/conditional — C010","Exact missing evidence or next action":"Actual Arizona license and course/scope facts."},"coordinator_acceptance":"scoped_reconciled_with_source_currentness_and_application_holds","raw_table_index":15,"raw_row_index":9,"classification":"coverage_and_remaining_hold","coordinator_claim_ids":["S_AZ-P08-C010"],"coordinator_source_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T06:23:50.586874+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","original_locations":[[84227,84339]],"material_correction_ids":[],"all_original_missing_evidence_preserved":true,"state_parent_component_accepted":false}},{"topic":"G10","researcher_record":{"Row":"G10","Requested issue":"Attorney exclusion","Status / claim references":"Answered-text/conditional — C011, C048","Exact missing evidence or next action":"Professional status and actual legal-practice scope; separate federal test."},"coordinator_acceptance":"scoped_reconciled_with_source_currentness_and_application_holds","raw_table_index":15,"raw_row_index":10,"classification":"coverage_and_remaining_hold","coordinator_claim_ids":["S_AZ-P08-C011","S_AZ-P08-C048"],"coordinator_source_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T06:23:50.586874+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","original_locations":[[84340,84477]],"material_correction_ids":[],"all_original_missing_evidence_preserved":true,"state_parent_component_accepted":false}},{"topic":"G11","researcher_record":{"Row":"G11","Requested issue":"SEC/CFTC broker-dealer exclusion","Status / claim references":"Answered-text/conditional — C012","Exact missing evidence or next action":"Actual registration and regulatory scope."},"coordinator_acceptance":"scoped_reconciled_with_source_currentness_and_application_holds","raw_table_index":15,"raw_row_index":11,"classification":"coverage_and_remaining_hold","coordinator_claim_ids":["S_AZ-P08-C012"],"coordinator_source_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T06:23:50.586874+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","original_locations":[[84478,84589]],"material_correction_ids":[],"all_original_missing_evidence_preserved":true,"state_parent_component_accepted":false}},{"topic":"G12","researcher_record":{"Row":"G12","Requested issue":"Nonprofit exclusion","Status / claim references":"Answered-text/conditional — C013, C045","Exact missing evidence or next action":"Actual nonprofit and § 501(c)(3) status; no entity search performed."},"coordinator_acceptance":"scoped_reconciled_with_source_currentness_and_application_holds","raw_table_index":15,"raw_row_index":12,"classification":"coverage_and_remaining_hold","coordinator_claim_ids":["S_AZ-P08-C013","S_AZ-P08-C045"],"coordinator_source_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T06:23:50.586874+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","original_locations":[[84590,84721]],"material_correction_ids":[],"all_original_missing_evidence_preserved":true,"state_parent_component_accepted":false}},{"topic":"G13","researcher_record":{"Row":"G13","Requested issue":"Employee/affiliate/general creditor labels","Status / claim references":"Answered-text/conditional — C014–C015","Exact missing evidence or next action":"Actual statutory role; no general state exclusion inferred."},"coordinator_acceptance":"scoped_reconciled_with_source_currentness_and_application_holds","raw_table_index":15,"raw_row_index":13,"classification":"coverage_and_remaining_hold","coordinator_claim_ids":["S_AZ-P08-C014","S_AZ-P08-C015"],"coordinator_source_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T06:23:50.586874+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","original_locations":[[84722,84866]],"material_correction_ids":[],"all_original_missing_evidence_preserved":true,"state_parent_component_accepted":false}},{"topic":"G14","researcher_record":{"Row":"G14","Requested issue":"CROA own-creditor exclusion","Status / claim references":"Partial — C046","Exact missing evidence or next action":"§ 1602 creditor facts and debt owed to that creditor; purchased-account classification unresolved."},"coordinator_acceptance":"scoped_reconciled_with_source_currentness_and_application_holds","raw_table_index":15,"raw_row_index":14,"classification":"coverage_and_remaining_hold","coordinator_claim_ids":["S_AZ-P08-C046"],"coordinator_source_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T06:23:50.586874+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","original_locations":[[84867,85012]],"material_correction_ids":[],"all_original_missing_evidence_preserved":true,"state_parent_component_accepted":false}},{"topic":"G15","researcher_record":{"Row":"G15","Requested issue":"CROA institutional affiliate/subsidiary","Status / claim references":"Partial — C047","Exact missing evidence or next action":"Actual charter/control and any responsive construction; deeper affiliate crossreference not fully read."},"coordinator_acceptance":"scoped_reconciled_with_source_currentness_and_application_holds","raw_table_index":15,"raw_row_index":15,"classification":"coverage_and_remaining_hold","coordinator_claim_ids":["S_AZ-P08-C047"],"coordinator_source_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T06:23:50.586874+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","original_locations":[[85013,85175]],"material_correction_ids":[],"all_original_missing_evidence_preserved":true,"state_parent_component_accepted":false}},{"topic":"G16","researcher_record":{"Row":"G16","Requested issue":"Incorporated § 501(q) conditions","Status / claim references":"Answered-text/conditional — C049–C050","Exact missing evidence or next action":"Actual operations, governance, ownership, fees and revenue; underlying 2006 enactment not separately read."},"coordinator_acceptance":"scoped_reconciled_with_source_currentness_and_application_holds","raw_table_index":15,"raw_row_index":16,"classification":"coverage_and_remaining_hold","coordinator_claim_ids":["S_AZ-P08-C049","S_AZ-P08-C050"],"coordinator_source_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T06:23:50.586874+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","original_locations":[[85176,85357]],"material_correction_ids":[],"all_original_missing_evidence_preserved":true,"state_parent_component_accepted":false}},{"topic":"G17","researcher_record":{"Row":"G17","Requested issue":"State advance-payment condition","Status / claim references":"Answered-text — C016","Exact missing evidence or next action":"Full performance or valid compliant bond facts."},"coordinator_acceptance":"scoped_reconciled_with_source_currentness_and_application_holds","raw_table_index":15,"raw_row_index":17,"classification":"coverage_and_remaining_hold","coordinator_claim_ids":["S_AZ-P08-C016"],"coordinator_source_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T06:23:50.586874+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","original_locations":[[85358,85462]],"material_correction_ids":[],"all_original_missing_evidence_preserved":true,"state_parent_component_accepted":false}},{"topic":"G18","researcher_record":{"Row":"G18","Requested issue":"Surety issuer, filing, and custody distinction","Status / claim references":"Partial — C020, C023, C025","Exact missing evidence or next action":"Actual issuer authorization/instrument; filing copy does not establish custody authority."},"coordinator_acceptance":"scoped_reconciled_with_source_currentness_and_application_holds","raw_table_index":15,"raw_row_index":18,"classification":"coverage_and_remaining_hold","coordinator_claim_ids":["S_AZ-P08-C020","S_AZ-P08-C023","S_AZ-P08-C025"],"coordinator_source_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T06:23:50.586874+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","original_locations":[[85463,85630]],"material_correction_ids":[],"all_original_missing_evidence_preserved":true,"state_parent_component_accepted":false}},{"topic":"G19","researcher_record":{"Row":"G19","Requested issue":"Bond measure and annual adjustment","Status / claim references":"Answered-text — C021–C022","Exact missing evidence or next action":"Actual preceding twelve-month fees-charged records and fiscal-year start."},"coordinator_acceptance":"scoped_reconciled_with_source_currentness_and_application_holds","raw_table_index":15,"raw_row_index":19,"classification":"coverage_and_remaining_hold","coordinator_claim_ids":["S_AZ-P08-C021","S_AZ-P08-C022"],"coordinator_source_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T06:23:50.586874+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","original_locations":[[85631,85769]],"material_correction_ids":[],"all_original_missing_evidence_preserved":true,"state_parent_component_accepted":false}},{"topic":"G20","researcher_record":{"Row":"G20","Requested issue":"Beneficiaries, actual damages, aggregate limit","Status / claim references":"Answered-text/conditional — C023–C024","Exact missing evidence or next action":"Covered violation/loss, aggregate exhaustion, priority and defenses."},"coordinator_acceptance":"scoped_reconciled_with_source_currentness_and_application_holds","raw_table_index":15,"raw_row_index":20,"classification":"coverage_and_remaining_hold","coordinator_claim_ids":["S_AZ-P08-C023","S_AZ-P08-C024"],"coordinator_source_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T06:23:50.586874+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","original_locations":[[85770,85927]],"material_correction_ids":[],"all_original_missing_evidence_preserved":true,"state_parent_component_accepted":false}},{"topic":"G21","researcher_record":{"Row":"G21","Requested issue":"Bond cancellation/change/renewal/claim instrument","Status / claim references":"Held — C027","Exact missing evidence or next action":"Current CSO-specific approved blank bond, riders, cancellation procedure and operative version."},"coordinator_acceptance":"scoped_reconciled_with_source_currentness_and_application_holds","raw_table_index":15,"raw_row_index":21,"classification":"coverage_and_remaining_hold","coordinator_claim_ids":["S_AZ-P08-C027"],"coordinator_source_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T06:23:50.586874+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","original_locations":[[85928,86089]],"material_correction_ids":[],"all_original_missing_evidence_preserved":true,"state_parent_component_accepted":false}},{"topic":"G22","researcher_record":{"Row":"G22","Requested issue":"Public government charge","Status / claim references":"Partial — C026","Exact missing evidence or next action":"$0 guidance limited to bond-copy procedure; other charges and current checkout not established."},"coordinator_acceptance":"scoped_reconciled_with_source_currentness_and_application_holds","raw_table_index":15,"raw_row_index":22,"classification":"coverage_and_remaining_hold","coordinator_claim_ids":["S_AZ-P08-C026"],"coordinator_source_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T06:23:50.586874+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","original_locations":[[86090,86229]],"material_correction_ids":[],"all_original_missing_evidence_preserved":true,"state_parent_component_accepted":false}},{"topic":"G23","researcher_record":{"Row":"G23","Requested issue":"Separate license/registration/trust alternative","Status / claim references":"Partial — C025","Exact missing evidence or next action":"Full responsive rule/adoption inventory and other applicable authorization law; no universal no-license conclusion."},"coordinator_acceptance":"scoped_reconciled_with_source_currentness_and_application_holds","raw_table_index":15,"raw_row_index":23,"classification":"coverage_and_remaining_hold","coordinator_claim_ids":["S_AZ-P08-C025"],"coordinator_source_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T06:23:50.586874+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","original_locations":[[86230,86412]],"material_correction_ids":[],"all_original_missing_evidence_preserved":true,"state_parent_component_accepted":false}},{"topic":"G24","researcher_record":{"Row":"G24","Requested issue":"State precontract/prepayment disclosure trigger","Status / claim references":"Answered-text — C028–C029","Exact missing evidence or next action":"Actual delivery before the earlier event."},"coordinator_acceptance":"scoped_reconciled_with_source_currentness_and_application_holds","raw_table_index":15,"raw_row_index":24,"classification":"coverage_and_remaining_hold","coordinator_claim_ids":["S_AZ-P08-C028","S_AZ-P08-C029"],"coordinator_source_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T06:23:50.586874+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","original_locations":[[86413,86532]],"material_correction_ids":[],"all_original_missing_evidence_preserved":true,"state_parent_component_accepted":false}},{"topic":"G25","researcher_record":{"Row":"G25","Requested issue":"Buyer receipt and retention","Status / claim references":"Answered-text/partial — C031, C054","Exact missing evidence or next action":"Actual acknowledgment and retention; state starting-event construction if material."},"coordinator_acceptance":"scoped_reconciled_with_source_currentness_and_application_holds","raw_table_index":15,"raw_row_index":25,"classification":"coverage_and_remaining_hold","coordinator_claim_ids":["S_AZ-P08-C031","S_AZ-P08-C054"],"coordinator_source_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T06:23:50.586874+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","original_locations":[[86533,86683]],"material_correction_ids":[],"all_original_missing_evidence_preserved":true,"state_parent_component_accepted":false}},{"topic":"G26","researcher_record":{"Row":"G26","Requested issue":"Payment/service/guarantee/refund contract terms","Status / claim references":"Answered-text — C032, C055","Exact missing evidence or next action":"Actual complete agreement and integrated representations."},"coordinator_acceptance":"scoped_reconciled_with_source_currentness_and_application_holds","raw_table_index":15,"raw_row_index":26,"classification":"coverage_and_remaining_hold","coordinator_claim_ids":["S_AZ-P08-C032","S_AZ-P08-C055"],"coordinator_source_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T06:23:50.586874+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","original_locations":[[86684,86820]],"material_correction_ids":[],"all_original_missing_evidence_preserved":true,"state_parent_component_accepted":false}},{"topic":"G27","researcher_record":{"Row":"G27","Requested issue":"Type, placement, duplicates, language, copies","Status / claim references":"Answered-text — C033–C034, C058","Exact missing evidence or next action":"Actual document layout, language, completion and delivery."},"coordinator_acceptance":"scoped_reconciled_with_source_currentness_and_application_holds","raw_table_index":15,"raw_row_index":27,"classification":"coverage_and_remaining_hold","coordinator_claim_ids":["S_AZ-P08-C033","S_AZ-P08-C034","S_AZ-P08-C058"],"coordinator_source_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T06:23:50.586874+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","original_locations":[[86821,86961]],"material_correction_ids":[],"all_original_missing_evidence_preserved":true,"state_parent_component_accepted":false}},{"topic":"G28","researcher_record":{"Row":"G28","Requested issue":"State cancellation trigger wording","Status / claim references":"Held harmonization — C035","Exact missing evidence or next action":"Published construction where transaction and signing dates differ."},"coordinator_acceptance":"scoped_reconciled_with_source_currentness_and_application_holds","raw_table_index":15,"raw_row_index":28,"classification":"coverage_and_remaining_hold","coordinator_claim_ids":["S_AZ-P08-C035"],"coordinator_source_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T06:23:50.586874+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","original_locations":[[86962,87093]],"material_correction_ids":[],"all_original_missing_evidence_preserved":true,"state_parent_component_accepted":false}},{"topic":"G29","researcher_record":{"Row":"G29","Requested issue":"Cancellation method and address","Status / claim references":"Partial — C037, C058","Exact missing evidence or next action":"Actual notice, correct address, mailing/delivery proof; electronic substitution law deferred."},"coordinator_acceptance":"scoped_reconciled_with_source_currentness_and_application_holds","raw_table_index":15,"raw_row_index":29,"classification":"coverage_and_remaining_hold","coordinator_claim_ids":["S_AZ-P08-C037","S_AZ-P08-C058"],"coordinator_source_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T06:23:50.586874+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","original_locations":[[87094,87244]],"material_correction_ids":[],"all_original_missing_evidence_preserved":true,"state_parent_component_accepted":false}},{"topic":"G30","researcher_record":{"Row":"G30","Requested issue":"State return scope and receipt clock","Status / claim references":"Answered-text/conditional — C036","Exact missing evidence or next action":"Actual receipt, payment base, completed return, mixed-fund allocation."},"coordinator_acceptance":"scoped_reconciled_with_source_currentness_and_application_holds","raw_table_index":15,"raw_row_index":30,"classification":"coverage_and_remaining_hold","coordinator_claim_ids":["S_AZ-P08-C036"],"coordinator_source_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T06:23:50.586874+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","original_locations":[[87245,87389]],"material_correction_ids":[],"all_original_missing_evidence_preserved":true,"state_parent_component_accepted":false}},{"topic":"G31","researcher_record":{"Row":"G31","Requested issue":"Federal separate disclosure","Status / claim references":"Answered-text — C053–C054","Exact missing evidence or next action":"Actual statutory statement and signed receipt."},"coordinator_acceptance":"scoped_reconciled_with_source_currentness_and_application_holds","raw_table_index":15,"raw_row_index":31,"classification":"coverage_and_remaining_hold","coordinator_claim_ids":["S_AZ-P08-C053","S_AZ-P08-C054"],"coordinator_source_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T06:23:50.586874+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","original_locations":[[87390,87494]],"material_correction_ids":[],"all_original_missing_evidence_preserved":true,"state_parent_component_accepted":false}},{"topic":"G32","researcher_record":{"Row":"G32","Requested issue":"Federal service-start waiting period","Status / claim references":"Partial — C056","Exact missing evidence or next action":"Endpoint/business-day construction if boundary matters; no boundary example used."},"coordinator_acceptance":"scoped_reconciled_with_source_currentness_and_application_holds","raw_table_index":15,"raw_row_index":32,"classification":"coverage_and_remaining_hold","coordinator_claim_ids":["S_AZ-P08-C056"],"coordinator_source_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T06:23:50.586874+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","original_locations":[[87495,87632]],"material_correction_ids":[],"all_original_missing_evidence_preserved":true,"state_parent_component_accepted":false}},{"topic":"G33","researcher_record":{"Row":"G33","Requested issue":"Federal cancellation and required notice discrepancy","Status / claim references":"Partial — C057–C058, C084","Exact missing evidence or next action":"Responsive authoritative reconciliation; original enactment confirms differing wording."},"coordinator_acceptance":"scoped_reconciled_with_source_currentness_and_application_holds","raw_table_index":15,"raw_row_index":33,"classification":"coverage_and_remaining_hold","coordinator_claim_ids":["S_AZ-P08-C057","S_AZ-P08-C058","S_AZ-P08-C084"],"coordinator_source_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T06:23:50.586874+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","original_locations":[[87633,87803]],"material_correction_ids":[],"all_original_missing_evidence_preserved":true,"state_parent_component_accepted":false}},{"topic":"G34","researcher_record":{"Row":"G34","Requested issue":"Calendar, holidays, and business days","Status / claim references":"Partial — C086","Exact missing evidence or next action":"Applicable federal business-day construction and precise Arizona short-notice application."},"coordinator_acceptance":"scoped_reconciled_with_source_currentness_and_application_holds","raw_table_index":15,"raw_row_index":34,"classification":"coverage_and_remaining_hold","coordinator_claim_ids":["S_AZ-P08-C086"],"coordinator_source_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T06:23:50.586874+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","original_locations":[[87804,87951]],"material_correction_ids":[],"all_original_missing_evidence_preserved":true,"state_parent_component_accepted":false}},{"topic":"G35","researcher_record":{"Row":"G35","Requested issue":"Completion versus installments/partial work","Status / claim references":"Partial — C016, C052, C078","Exact missing evidence or next action":"Actual full promises, service independence and completed performance."},"coordinator_acceptance":"scoped_reconciled_with_source_currentness_and_application_holds","raw_table_index":15,"raw_row_index":35,"classification":"coverage_and_remaining_hold","coordinator_claim_ids":["S_AZ-P08-C016","S_AZ-P08-C052","S_AZ-P08-C078"],"coordinator_source_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T06:23:50.586874+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","original_locations":[[87952,88096]],"material_correction_ids":[],"all_original_missing_evidence_preserved":true,"state_parent_component_accepted":false}},{"topic":"G36","researcher_record":{"Row":"G36","Requested issue":"False reporting/new identity/deceptive promises","Status / claim references":"Answered-text — C018–C019, C051","Exact missing evidence or next action":"Actual statement, knowledge, accuracy and purpose."},"coordinator_acceptance":"scoped_reconciled_with_source_currentness_and_application_holds","raw_table_index":15,"raw_row_index":36,"classification":"coverage_and_remaining_hold","coordinator_claim_ids":["S_AZ-P08-C018","S_AZ-P08-C019","S_AZ-P08-C051"],"coordinator_source_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T06:23:50.586874+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","original_locations":[[88097,88231]],"material_correction_ids":[],"all_original_missing_evidence_preserved":true,"state_parent_component_accepted":false}},{"topic":"G37","researcher_record":{"Row":"G37","Requested issue":"Waiver and contract voidness","Status / claim references":"Answered-text — C039, C059–C060","Exact missing evidence or next action":"Actual clause/defect; arbitration separately bounded."},"coordinator_acceptance":"scoped_reconciled_with_source_currentness_and_application_holds","raw_table_index":15,"raw_row_index":37,"classification":"coverage_and_remaining_hold","coordinator_claim_ids":["S_AZ-P08-C039","S_AZ-P08-C059","S_AZ-P08-C060"],"coordinator_source_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T06:23:50.586874+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","original_locations":[[88232,88350]],"material_correction_ids":[],"all_original_missing_evidence_preserved":true,"state_parent_component_accepted":false}},{"topic":"G38","researcher_record":{"Row":"G38","Requested issue":"State private/public remedies","Status / claim references":"Partial — C038–C042","Exact missing evidence or next action":"Injury, causation, willfulness, damages, procedure and discretionary findings."},"coordinator_acceptance":"scoped_reconciled_with_source_currentness_and_application_holds","raw_table_index":15,"raw_row_index":38,"classification":"coverage_and_remaining_hold","coordinator_claim_ids":["S_AZ-P08-C038","S_AZ-P08-C039","S_AZ-P08-C040","S_AZ-P08-C041","S_AZ-P08-C042"],"coordinator_source_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T06:23:50.586874+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","original_locations":[[88351,88483]],"material_correction_ids":[],"all_original_missing_evidence_preserved":true,"state_parent_component_accepted":false}},{"topic":"G39","researcher_record":{"Row":"G39","Requested issue":"Federal remedies and arbitration distinction","Status / claim references":"Partial — C061–C063, C079–C080","Exact missing evidence or next action":"Actual claim, forum agreement, remedial authority and current § 53 text."},"coordinator_acceptance":"scoped_reconciled_with_source_currentness_and_application_holds","raw_table_index":15,"raw_row_index":39,"classification":"coverage_and_remaining_hold","coordinator_claim_ids":["S_AZ-P08-C061","S_AZ-P08-C062","S_AZ-P08-C063","S_AZ-P08-C079","S_AZ-P08-C080"],"coordinator_source_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T06:23:50.586874+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","original_locations":[[88484,88636]],"material_correction_ids":[],"all_original_missing_evidence_preserved":true,"state_parent_component_accepted":false}},{"topic":"G40","researcher_record":{"Row":"G40","Requested issue":"TSR campaign/seller/customer predicates","Status / claim references":"Answered-text/conditional — C064","Exact missing evidence or next action":"Actual campaign/interstate calls and transaction role."},"coordinator_acceptance":"scoped_reconciled_with_source_currentness_and_application_holds","raw_table_index":15,"raw_row_index":40,"classification":"coverage_and_remaining_hold","coordinator_claim_ids":["S_AZ-P08-C064"],"coordinator_source_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T06:23:50.586874+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","original_locations":[[88637,88768]],"material_correction_ids":[],"all_original_missing_evidence_preserved":true,"state_parent_component_accepted":false}},{"topic":"G41","researcher_record":{"Row":"G41","Requested issue":"FTC jurisdiction/nonprofit/contractor limits","Status / claim references":"Partial — C065","Exact missing evidence or next action":"Actual organizational purpose and deeper sector crossreferences."},"coordinator_acceptance":"scoped_reconciled_with_source_currentness_and_application_holds","raw_table_index":15,"raw_row_index":41,"classification":"coverage_and_remaining_hold","coordinator_claim_ids":["S_AZ-P08-C065"],"coordinator_source_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T06:23:50.586874+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","original_locations":[[88769,88897]],"material_correction_ids":[],"all_original_missing_evidence_preserved":true,"state_parent_component_accepted":false}},{"topic":"G42","researcher_record":{"Row":"G42","Requested issue":"Inbound ads, unsolicited calls, face-to-face, upsells","Status / claim references":"Answered-text/conditional — C066–C067","Exact missing evidence or next action":"Actual solicitation and sale/payment sequence."},"coordinator_acceptance":"scoped_reconciled_with_source_currentness_and_application_holds","raw_table_index":15,"raw_row_index":42,"classification":"coverage_and_remaining_hold","coordinator_claim_ids":["S_AZ-P08-C066","S_AZ-P08-C067"],"coordinator_source_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T06:23:50.586874+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","original_locations":[[88898,89040]],"material_correction_ids":[],"all_original_missing_evidence_preserved":true,"state_parent_component_accepted":false}},{"topic":"G43","researcher_record":{"Row":"G43","Requested issue":"TSR report issuance/provision conditions","Status / claim references":"Answered-text — C068–C069","Exact missing evidence or next action":"Actual results date, report issue date, content and provision."},"coordinator_acceptance":"scoped_reconciled_with_source_currentness_and_application_holds","raw_table_index":15,"raw_row_index":43,"classification":"coverage_and_remaining_hold","coordinator_claim_ids":["S_AZ-P08-C068","S_AZ-P08-C069"],"coordinator_source_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T06:23:50.586874+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","original_locations":[[89041,89174]],"material_correction_ids":[],"all_original_missing_evidence_preserved":true,"state_parent_component_accepted":false}},{"topic":"G44","researcher_record":{"Row":"G44","Requested issue":"Represented timeframe and no relative-order requirement","Status / claim references":"Answered-text — C068–C070","Exact missing evidence or next action":"All actual oral/written timeframe representations."},"coordinator_acceptance":"scoped_reconciled_with_source_currentness_and_application_holds","raw_table_index":15,"raw_row_index":44,"classification":"coverage_and_remaining_hold","coordinator_claim_ids":["S_AZ-P08-C068","S_AZ-P08-C069","S_AZ-P08-C070"],"coordinator_source_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T06:23:50.586874+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","original_locations":[[89175,89311]],"material_correction_ids":[],"all_original_missing_evidence_preserved":true,"state_parent_component_accepted":false}},{"topic":"G45","researcher_record":{"Row":"G45","Requested issue":"CRA/report/permissible purpose","Status / claim references":"Partial — C071","Exact missing evidence or next action":"Full § 1681e requirements and lawful actual access; no report obtained."},"coordinator_acceptance":"scoped_reconciled_with_source_currentness_and_application_holds","raw_table_index":15,"raw_row_index":45,"classification":"coverage_and_remaining_hold","coordinator_claim_ids":["S_AZ-P08-C071"],"coordinator_source_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T06:23:50.586874+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","original_locations":[[89312,89433]],"material_correction_ids":[],"all_original_missing_evidence_preserved":true,"state_parent_component_accepted":false}},{"topic":"G46","researcher_record":{"Row":"G46","Requested issue":"Retention under TSR","Status / claim references":"Answered-text/conditional — C076","Exact missing evidence or next action":"Actual applicable records and each record’s prescribed trigger."},"coordinator_acceptance":"scoped_reconciled_with_source_currentness_and_application_holds","raw_table_index":15,"raw_row_index":46,"classification":"coverage_and_remaining_hold","coordinator_claim_ids":["S_AZ-P08-C076"],"coordinator_source_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T06:23:50.586874+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","original_locations":[[89434,89554]],"material_correction_ids":[],"all_original_missing_evidence_preserved":true,"state_parent_component_accepted":false}},{"topic":"G47","researcher_record":{"Row":"G47","Requested issue":"Recent Arizona amendment checking","Status / claim references":"Partial — C081","Exact missing evidence or next action":"Index checking completed for relevant ranges; no all-session/all-law certificate."},"coordinator_acceptance":"scoped_reconciled_with_source_currentness_and_application_holds","raw_table_index":15,"raw_row_index":47,"classification":"coverage_and_remaining_hold","coordinator_claim_ids":["S_AZ-P08-C081"],"coordinator_source_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T06:23:50.586874+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","original_locations":[[89555,89689]],"material_correction_ids":[],"all_original_missing_evidence_preserved":true,"state_parent_component_accepted":false}},{"topic":"G48","researcher_record":{"Row":"G48","Requested issue":"Original 1988 act and earlier chain","Status / claim references":"Held — C082","Exact missing evidence or next action":"Readable official original act and 1989–2022 material amendment history."},"coordinator_acceptance":"scoped_reconciled_with_source_currentness_and_application_holds","raw_table_index":15,"raw_row_index":48,"classification":"coverage_and_remaining_hold","coordinator_claim_ids":["S_AZ-P08-C082"],"coordinator_source_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T06:23:50.586874+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","original_locations":[[89690,89814]],"material_correction_ids":[],"all_original_missing_evidence_preserved":true,"state_parent_component_accepted":false}},{"topic":"G49","researcher_record":{"Row":"G49","Requested issue":"Arizona operative CSO rules/adoption/repeal","Status / claim references":"Held — C025, C027","Exact missing evidence or next action":"Responsive complete rule/adoption bodies; partial Title 14 inventory is insufficient."},"coordinator_acceptance":"scoped_reconciled_with_source_currentness_and_application_holds","raw_table_index":15,"raw_row_index":49,"classification":"coverage_and_remaining_hold","coordinator_claim_ids":["S_AZ-P08-C025","S_AZ-P08-C027"],"coordinator_source_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T06:23:50.586874+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","original_locations":[[89815,89966]],"material_correction_ids":[],"all_original_missing_evidence_preserved":true,"state_parent_component_accepted":false}},{"topic":"G50","researcher_record":{"Row":"G50","Requested issue":"Exact current CROA codification","Status / claim references":"Partial — C083","Exact missing evidence or next action":"Complete post-October 7 updating through access date; newer partial reads do not close it."},"coordinator_acceptance":"scoped_reconciled_with_source_currentness_and_application_holds","raw_table_index":15,"raw_row_index":50,"classification":"coverage_and_remaining_hold","coordinator_claim_ids":["S_AZ-P08-C083"],"coordinator_source_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T06:23:50.586874+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","original_locations":[[89967,90108]],"material_correction_ids":[],"all_original_missing_evidence_preserved":true,"state_parent_component_accepted":false}},{"topic":"G51","researcher_record":{"Row":"G51","Requested issue":"TSR final amendments and dates","Status / claim references":"Answered-text/partial — C085","Exact missing evidence or next action":"Read listed final amendments; subsequent litigation/stay/currentness beyond displayed currency not certified."},"coordinator_acceptance":"scoped_reconciled_with_source_currentness_and_application_holds","raw_table_index":15,"raw_row_index":51,"classification":"coverage_and_remaining_hold","coordinator_claim_ids":["S_AZ-P08-C085"],"coordinator_source_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T06:23:50.586874+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","original_locations":[[90109,90282]],"material_correction_ids":[],"all_original_missing_evidence_preserved":true,"state_parent_component_accepted":false}},{"topic":"G52","researcher_record":{"Row":"G52","Requested issue":"Incorporated institutional/tax/FTC definitions","Status / claim references":"Partial — C044–C050, C065","Exact missing evidence or next action":"Deeper unexamined affiliate, banking, securities and commodities references if branch invoked."},"coordinator_acceptance":"scoped_reconciled_with_source_currentness_and_application_holds","raw_table_index":15,"raw_row_index":52,"classification":"coverage_and_remaining_hold","coordinator_claim_ids":["S_AZ-P08-C044","S_AZ-P08-C045","S_AZ-P08-C046","S_AZ-P08-C047","S_AZ-P08-C048","S_AZ-P08-C049","S_AZ-P08-C050","S_AZ-P08-C065"],"coordinator_source_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T06:23:50.586874+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","original_locations":[[90283,90454]],"material_correction_ids":[],"all_original_missing_evidence_preserved":true,"state_parent_component_accepted":false}},{"topic":"G53","researcher_record":{"Row":"G53","Requested issue":"Published interpretation and later treatment","Status / claim references":"Partial — C006, C077–C080","Exact missing evidence or next action":"Full subsequent-history research remains open; no unpublished authority used."},"coordinator_acceptance":"scoped_reconciled_with_source_currentness_and_application_holds","raw_table_index":15,"raw_row_index":53,"classification":"coverage_and_remaining_hold","coordinator_claim_ids":["S_AZ-P08-C006","S_AZ-P08-C077","S_AZ-P08-C078","S_AZ-P08-C079","S_AZ-P08-C080"],"coordinator_source_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T06:23:50.586874+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","original_locations":[[90455,90607]],"material_correction_ids":[],"all_original_missing_evidence_preserved":true,"state_parent_component_accepted":false}},{"topic":"G54","researcher_record":{"Row":"G54","Requested issue":"Official guidance/statute conflicts","Status / claim references":"Answered-text — C087–C088","Exact missing evidence or next action":"No later authoritative correction or harmonization located; statutes retained as controlling text."},"coordinator_acceptance":"scoped_reconciled_with_source_currentness_and_application_holds","raw_table_index":15,"raw_row_index":54,"classification":"coverage_and_remaining_hold","coordinator_claim_ids":["S_AZ-P08-C087","S_AZ-P08-C088"],"coordinator_source_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T06:23:50.586874+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","original_locations":[[90608,90772]],"material_correction_ids":[],"all_original_missing_evidence_preserved":true,"state_parent_component_accepted":false}},{"topic":"G55","researcher_record":{"Row":"G55","Requested issue":"Model 1 classification/payment chronology","Status / claim references":"Completed conditional model — C002–C004, C016, C021, C052, C068–C071","Exact missing evidence or next action":"Actual facts and currency holds prevent permission determination."},"coordinator_acceptance":"scoped_reconciled_with_source_currentness_and_application_holds","raw_table_index":15,"raw_row_index":55,"classification":"coverage_and_remaining_hold","coordinator_claim_ids":["S_AZ-P08-C002","S_AZ-P08-C003","S_AZ-P08-C004","S_AZ-P08-C016","S_AZ-P08-C021","S_AZ-P08-C052","S_AZ-P08-C068","S_AZ-P08-C069","S_AZ-P08-C070","S_AZ-P08-C071"],"coordinator_source_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T06:23:50.586874+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","original_locations":[[90773,90953]],"material_correction_ids":[],"all_original_missing_evidence_preserved":true,"state_parent_component_accepted":false}},{"topic":"G56","researcher_record":{"Row":"G56","Requested issue":"Model 2 partial versus complete performance","Status / claim references":"Completed conditional model — C016, C052, C078","Exact missing evidence or next action":"Actual independence and completed promises needed."},"coordinator_acceptance":"scoped_reconciled_with_source_currentness_and_application_holds","raw_table_index":15,"raw_row_index":56,"classification":"coverage_and_remaining_hold","coordinator_claim_ids":["S_AZ-P08-C016","S_AZ-P08-C052","S_AZ-P08-C078"],"coordinator_source_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T06:23:50.586874+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","original_locations":[[90954,91099]],"material_correction_ids":[],"all_original_missing_evidence_preserved":true,"state_parent_component_accepted":false}},{"topic":"G57","researcher_record":{"Row":"G57","Requested issue":"Model 3 cancellation/return sequence","Status / claim references":"Completed nonboundary model — C035–C037, C057–C058, C086","Exact missing evidence or next action":"No actual endpoint or filing calendar supplied."},"coordinator_acceptance":"scoped_reconciled_with_source_currentness_and_application_holds","raw_table_index":15,"raw_row_index":57,"classification":"coverage_and_remaining_hold","coordinator_claim_ids":["S_AZ-P08-C035","S_AZ-P08-C036","S_AZ-P08-C037","S_AZ-P08-C057","S_AZ-P08-C058","S_AZ-P08-C086"],"coordinator_source_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T06:23:50.586874+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","original_locations":[[91100,91245]],"material_correction_ids":[],"all_original_missing_evidence_preserved":true,"state_parent_component_accepted":false}},{"topic":"G58","researcher_record":{"Row":"G58","Requested issue":"Model 4 customer/security ledger","Status / claim references":"Completed conditional model — C021–C027, C036","Exact missing evidence or next action":"Actual allocation, fee earning, security coverage and refund source unresolved."},"coordinator_acceptance":"scoped_reconciled_with_source_currentness_and_application_holds","raw_table_index":15,"raw_row_index":58,"classification":"coverage_and_remaining_hold","coordinator_claim_ids":["S_AZ-P08-C021","S_AZ-P08-C022","S_AZ-P08-C023","S_AZ-P08-C024","S_AZ-P08-C025","S_AZ-P08-C026","S_AZ-P08-C027","S_AZ-P08-C036"],"coordinator_source_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T06:23:50.586874+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","original_locations":[[91246,91408]],"material_correction_ids":[],"all_original_missing_evidence_preserved":true,"state_parent_component_accepted":false}},{"topic":"G59","researcher_record":{"Row":"G59","Requested issue":"Fictional actor/service/exclusion postures","Status / claim references":"Completed — P01–P16","Exact missing evidence or next action":"Illustrations do not substitute for actual evidence."},"coordinator_acceptance":"scoped_reconciled_with_source_currentness_and_application_holds","raw_table_index":15,"raw_row_index":59,"classification":"coverage_and_remaining_hold","coordinator_claim_ids":[],"coordinator_source_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T06:23:50.586874+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","original_locations":[[91409,91528]],"material_correction_ids":[],"all_original_missing_evidence_preserved":true,"state_parent_component_accepted":false}},{"topic":"G60","researcher_record":{"Row":"G60","Requested issue":"Private actor/customer/contract/status facts","Status / claim references":"Held by scope","Exact missing evidence or next action":"No actual provider, buyer, report, license, tax status or contract queried."},"coordinator_acceptance":"scoped_reconciled_with_source_currentness_and_application_holds","raw_table_index":15,"raw_row_index":60,"classification":"coverage_and_remaining_hold","coordinator_claim_ids":[],"coordinator_source_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T06:23:50.586874+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","original_locations":[[91529,91667]],"material_correction_ids":[],"all_original_missing_evidence_preserved":true,"state_parent_component_accepted":false}},{"topic":"G61","researcher_record":{"Row":"G61","Requested issue":"General price cap, premium and other charges","Status / claim references":"Partial — C026, C089","Exact missing evidence or next action":"No numeric general cap in read provisions; unknown private premium/other government fees remain unknown."},"coordinator_acceptance":"scoped_reconciled_with_source_currentness_and_application_holds","raw_table_index":15,"raw_row_index":61,"classification":"coverage_and_remaining_hold","coordinator_claim_ids":["S_AZ-P08-C026","S_AZ-P08-C089"],"coordinator_source_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T06:23:50.586874+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","original_locations":[[91668,91842]],"material_correction_ids":[],"all_original_missing_evidence_preserved":true,"state_parent_component_accepted":false}},{"topic":"G62","researcher_record":{"Row":"G62","Requested issue":"Failed and partial source routes","Status / claim references":"Recorded above — S001–S034 as applicable","Exact missing evidence or next action":"Recover the specifically identified bodies through an ordinary public official route; no absence inference or workaround."},"coordinator_acceptance":"scoped_reconciled_with_source_currentness_and_application_holds","raw_table_index":15,"raw_row_index":62,"classification":"coverage_and_remaining_hold","coordinator_claim_ids":[],"coordinator_source_ids":["S_AZ-P08-S001","S_AZ-P08-S002","S_AZ-P08-S003","S_AZ-P08-S004","S_AZ-P08-S005","S_AZ-P08-S006","S_AZ-P08-S007","S_AZ-P08-S008","S_AZ-P08-S009","S_AZ-P08-S010","S_AZ-P08-S011","S_AZ-P08-S012","S_AZ-P08-S013","S_AZ-P08-S014","S_AZ-P08-S015","S_AZ-P08-S016","S_AZ-P08-S017","S_AZ-P08-S018","S_AZ-P08-S019","S_AZ-P08-S020","S_AZ-P08-S021","S_AZ-P08-S022","S_AZ-P08-S023","S_AZ-P08-S024","S_AZ-P08-S025","S_AZ-P08-S026","S_AZ-P08-S027","S_AZ-P08-S028","S_AZ-P08-S029","S_AZ-P08-S030","S_AZ-P08-S031","S_AZ-P08-S032","S_AZ-P08-S033","S_AZ-P08-S034"],"coordinator_review":{"reviewed_at":"2026-10-29T06:23:50.586874+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","original_locations":[[91843,92042]],"material_correction_ids":[],"all_original_missing_evidence_preserved":true,"state_parent_component_accepted":false}},{"topic":"T01","researcher_record":{"Row":"T01","Territory issue":"Arizona conduct directed outside Arizona","Status / references":"Partial — C006","Exact remaining evidence":"Sgrillo supports its actual posture; different contacts and claims need analysis."},"coordinator_acceptance":"original_territorial_deferred_failed_partial_hold_preserved","raw_table_index":16,"raw_row_index":1,"classification":"coverage_and_remaining_hold","coordinator_claim_ids":["S_AZ-P08-C006"],"coordinator_source_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T06:23:50.586874+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","original_locations":[[92147,92288]],"material_correction_ids":[],"all_original_missing_evidence_preserved":true,"state_parent_component_accepted":false}},{"topic":"T02","researcher_record":{"Row":"T02","Territory issue":"Remote conduct directed into Arizona","Status / references":"Held — C007","Exact remaining evidence":"Responsive territorial/choice-of-law authority and actual contacts."},"coordinator_acceptance":"original_territorial_deferred_failed_partial_hold_preserved","raw_table_index":16,"raw_row_index":2,"classification":"coverage_and_remaining_hold","coordinator_claim_ids":["S_AZ-P08-C007"],"coordinator_source_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T06:23:50.586874+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","original_locations":[[92289,92409]],"material_correction_ids":[],"all_original_missing_evidence_preserved":true,"state_parent_component_accepted":false}},{"topic":"T03","researcher_record":{"Row":"T03","Territory issue":"County/city forms, local procedure and calendars","Status / references":"Deferred","Exact remaining evidence":"No fifteen-county administrative inventory or fifteen local-practice checks were performed in this pass. Specific local requirements remain open."},"coordinator_acceptance":"original_territorial_deferred_failed_partial_hold_preserved","raw_table_index":16,"raw_row_index":3,"classification":"coverage_and_remaining_hold","coordinator_claim_ids":[],"coordinator_source_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T06:23:50.586874+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","original_locations":[[92410,92617]],"material_correction_ids":[],"all_original_missing_evidence_preserved":true,"state_parent_component_accepted":false}},{"topic":"T04","researcher_record":{"Row":"T04","Territory issue":"Tribal parties, land, courts or sovereign issues","Status / references":"Deferred","Exact remaining evidence":"Applicable tribal/federal jurisdiction and actual territorial facts; no tribal conclusion."},"coordinator_acceptance":"original_territorial_deferred_failed_partial_hold_preserved","raw_table_index":16,"raw_row_index":4,"classification":"coverage_and_remaining_hold","coordinator_claim_ids":[],"coordinator_source_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T06:23:50.586874+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","original_locations":[[92618,92770]],"material_correction_ids":[],"all_original_missing_evidence_preserved":true,"state_parent_component_accepted":false}},{"topic":"T05","researcher_record":{"Row":"T05","Territory issue":"Interstate contracts and federal/state forum interaction","Status / references":"Partial/deferred — C063, C079","Exact remaining evidence":"Actual choice-of-law/forum provisions and responsive authority; no nationwide permission."},"coordinator_acceptance":"original_territorial_deferred_failed_partial_hold_preserved","raw_table_index":16,"raw_row_index":5,"classification":"coverage_and_remaining_hold","coordinator_claim_ids":["S_AZ-P08-C063","S_AZ-P08-C079"],"coordinator_source_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T06:23:50.586874+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","original_locations":[[92771,92951]],"material_correction_ids":[],"all_original_missing_evidence_preserved":true,"state_parent_component_accepted":false}},{"topic":"D01","researcher_record":{"Row":"D01","Deferred family":"Debt-management/settlement market access, fees, renewal and proration","Disposition and exact next investigation":"Separate regime; no P02 issue resolved here."},"coordinator_acceptance":"original_territorial_deferred_failed_partial_hold_preserved","raw_table_index":17,"raw_row_index":1,"classification":"coverage_and_remaining_hold","coordinator_claim_ids":[],"coordinator_source_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T06:23:50.586874+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","original_locations":[[93046,93164]],"material_correction_ids":[],"all_original_missing_evidence_preserved":true,"state_parent_component_accepted":false}},{"topic":"D02","researcher_record":{"Row":"D02","Deferred family":"JHass/custodial debt-management classification","Disposition and exact next investigation":"Separate required analysis; bond copying does not resolve custody."},"coordinator_acceptance":"original_territorial_deferred_failed_partial_hold_preserved","raw_table_index":17,"raw_row_index":2,"classification":"coverage_and_remaining_hold","coordinator_claim_ids":[],"coordinator_source_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T06:23:50.586874+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","original_locations":[[93165,93282]],"material_correction_ids":[],"all_original_missing_evidence_preserved":true,"state_parent_component_accepted":false}},{"topic":"D03","researcher_record":{"Row":"D03","Deferred family":"Collection-agency credentials/security","Disposition and exact next investigation":"P06 remains separate; no collection authority inferred."},"coordinator_acceptance":"original_territorial_deferred_failed_partial_hold_preserved","raw_table_index":17,"raw_row_index":3,"classification":"coverage_and_remaining_hold","coordinator_claim_ids":[],"coordinator_source_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T06:23:50.586874+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","original_locations":[[93283,93381]],"material_correction_ids":[],"all_original_missing_evidence_preserved":true,"state_parent_component_accepted":false}},{"topic":"D04","researcher_record":{"Row":"D04","Deferred family":"Collection communications/validation/disputes","Disposition and exact next investigation":"P07 remains separate; no contact workflow imported."},"coordinator_acceptance":"original_territorial_deferred_failed_partial_hold_preserved","raw_table_index":17,"raw_row_index":4,"classification":"coverage_and_remaining_hold","coordinator_claim_ids":[],"coordinator_source_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T06:23:50.586874+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","original_locations":[[93382,93483]],"material_correction_ids":[],"all_original_missing_evidence_preserved":true,"state_parent_component_accepted":false}},{"topic":"D05","researcher_record":{"Row":"D05","Deferred family":"Debt merits, ownership, standing, evidence and service","Disposition and exact next investigation":"Separate litigation pass; contracts here are CSO service contracts, not proof of underlying debt."},"coordinator_acceptance":"original_territorial_deferred_failed_partial_hold_preserved","raw_table_index":17,"raw_row_index":5,"classification":"coverage_and_remaining_hold","coordinator_claim_ids":[],"coordinator_source_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T06:23:50.586874+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","original_locations":[[93484,93640]],"material_correction_ids":[],"all_original_missing_evidence_preserved":true,"state_parent_component_accepted":false}},{"topic":"D06","researcher_record":{"Row":"D06","Deferred family":"Default, vacatur and procedural relief","Disposition and exact next investigation":"Separate rules/case-law work."},"coordinator_acceptance":"original_territorial_deferred_failed_partial_hold_preserved","raw_table_index":17,"raw_row_index":6,"classification":"coverage_and_remaining_hold","coordinator_claim_ids":[],"coordinator_source_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T06:23:50.586874+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","original_locations":[[93641,93713]],"material_correction_ids":[],"all_original_missing_evidence_preserved":true,"state_parent_component_accepted":false}},{"topic":"D07","researcher_record":{"Row":"D07","Deferred family":"Limitations, revival and judgment renewal","Disposition and exact next investigation":"P05 separate; no clock reused."},"coordinator_acceptance":"original_territorial_deferred_failed_partial_hold_preserved","raw_table_index":17,"raw_row_index":7,"classification":"coverage_and_remaining_hold","coordinator_claim_ids":[],"coordinator_source_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T06:23:50.586874+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","original_locations":[[93714,93790]],"material_correction_ids":[],"all_original_missing_evidence_preserved":true,"state_parent_component_accepted":false}},{"topic":"D08","researcher_record":{"Row":"D08","Deferred family":"Earnings garnishment","Disposition and exact next investigation":"P03 unreviewed; no earnings formula imported."},"coordinator_acceptance":"original_territorial_deferred_failed_partial_hold_preserved","raw_table_index":17,"raw_row_index":8,"classification":"coverage_and_remaining_hold","coordinator_claim_ids":[],"coordinator_source_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T06:23:50.586874+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","original_locations":[[93791,93861]],"material_correction_ids":[],"all_original_missing_evidence_preserved":true,"state_parent_component_accepted":false}},{"topic":"D09","researcher_record":{"Row":"D09","Deferred family":"Bank/non-earnings garnishment","Disposition and exact next investigation":"P04 unreviewed; no bank exemption imported."},"coordinator_acceptance":"original_territorial_deferred_failed_partial_hold_preserved","raw_table_index":17,"raw_row_index":9,"classification":"coverage_and_remaining_hold","coordinator_claim_ids":[],"coordinator_source_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T06:23:50.586874+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","original_locations":[[93862,93939]],"material_correction_ids":[],"all_original_missing_evidence_preserved":true,"state_parent_component_accepted":false}},{"topic":"D10","researcher_record":{"Row":"D10","Deferred family":"Other debtor property, homestead, secured foreclosure/repo","Disposition and exact next investigation":"Separate enforcement and secured-debt regimes."},"coordinator_acceptance":"original_territorial_deferred_failed_partial_hold_preserved","raw_table_index":17,"raw_row_index":10,"classification":"coverage_and_remaining_hold","coordinator_claim_ids":[],"coordinator_source_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T06:23:50.586874+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","original_locations":[[93940,94049]],"material_correction_ids":[],"all_original_missing_evidence_preserved":true,"state_parent_component_accepted":false}},{"topic":"D11","researcher_record":{"Row":"D11","Deferred family":"Medical, tax, student, utility and other sectors","Disposition and exact next investigation":"Separate statutory and federal overlays."},"coordinator_acceptance":"original_territorial_deferred_failed_partial_hold_preserved","raw_table_index":17,"raw_row_index":11,"classification":"coverage_and_remaining_hold","coordinator_claim_ids":[],"coordinator_source_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T06:23:50.586874+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","original_locations":[[94050,94143]],"material_correction_ids":[],"all_original_missing_evidence_preserved":true,"state_parent_component_accepted":false}},{"topic":"D12","researcher_record":{"Row":"D12","Deferred family":"Full arbitration analysis","Disposition and exact next investigation":"Only CompuCredit’s narrow CROA holding read; actual clause validity/enforcement remains open."},"coordinator_acceptance":"original_territorial_deferred_failed_partial_hold_preserved","raw_table_index":17,"raw_row_index":12,"classification":"coverage_and_remaining_hold","coordinator_claim_ids":[],"coordinator_source_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T06:23:50.586874+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","original_locations":[[94144,94267]],"material_correction_ids":[],"all_original_missing_evidence_preserved":true,"state_parent_component_accepted":false}},{"topic":"D13","researcher_record":{"Row":"D13","Deferred family":"Full surety litigation and insurance coverage","Disposition and exact next investigation":"Need actual instrument, applicable claim limitations, defenses, priority and exhaustion evidence."},"coordinator_acceptance":"original_territorial_deferred_failed_partial_hold_preserved","raw_table_index":17,"raw_row_index":13,"classification":"coverage_and_remaining_hold","coordinator_claim_ids":[],"coordinator_source_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T06:23:50.586874+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","original_locations":[[94268,94415]],"material_correction_ids":[],"all_original_missing_evidence_preserved":true,"state_parent_component_accepted":false}},{"topic":"D14","researcher_record":{"Row":"D14","Deferred family":"Full remedies, remedy limitations and monetary recovery","Disposition and exact next investigation":"Limited statutory predicates identified; no award, actual limitations period or complete enforcement pathway determined."},"coordinator_acceptance":"original_territorial_deferred_failed_partial_hold_preserved","raw_table_index":17,"raw_row_index":14,"classification":"coverage_and_remaining_hold","coordinator_claim_ids":[],"coordinator_source_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T06:23:50.586874+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","original_locations":[[94416,94596]],"material_correction_ids":[],"all_original_missing_evidence_preserved":true,"state_parent_component_accepted":false}},{"topic":"D15","researcher_record":{"Row":"D15","Deferred family":"Full FCRA, TCPA, DNC, privacy, electronic-signature law","Disposition and exact next investigation":"Only indispensable report-purpose and marketing boundaries addressed; complete regimes remain open."},"coordinator_acceptance":"original_territorial_deferred_failed_partial_hold_preserved","raw_table_index":17,"raw_row_index":15,"classification":"coverage_and_remaining_hold","coordinator_claim_ids":[],"coordinator_source_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T06:23:50.586874+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","original_locations":[[94597,94756]],"material_correction_ids":[],"all_original_missing_evidence_preserved":true,"state_parent_component_accepted":false}},{"topic":"D16","researcher_record":{"Row":"D16","Deferred family":"Customer funds, solvency, trust obligations and refund funding","Disposition and exact next investigation":"No custody permission; actual funds, account treatment, priority and provider solvency remain held."},"coordinator_acceptance":"original_territorial_deferred_failed_partial_hold_preserved","raw_table_index":17,"raw_row_index":16,"classification":"coverage_and_remaining_hold","coordinator_claim_ids":[],"coordinator_source_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T06:23:50.586874+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","original_locations":[[94757,94923]],"material_correction_ids":[],"all_original_missing_evidence_preserved":true,"state_parent_component_accepted":false}},{"topic":"D17","researcher_record":{"Row":"D17","Deferred family":"Full Arizona, country, parent and A066/A097/A098 acceptance","Disposition and exact next investigation":"Not supplied. This pass contributes only the stated CSO/CROA/TSR component evidence."},"coordinator_acceptance":"original_territorial_deferred_failed_partial_hold_preserved","raw_table_index":17,"raw_row_index":17,"classification":"coverage_and_remaining_hold","coordinator_claim_ids":[],"coordinator_source_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T06:23:50.586874+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","original_locations":[[94924,95072]],"material_correction_ids":[],"all_original_missing_evidence_preserved":true,"state_parent_component_accepted":false}},{"topic":"FAILED-ROUTE-01","researcher_record":{"Source":"S001","Exact failed or partial route":"https://www.azleg.gov/arsDetail/?title=44","Actual result; recovery or next evidence":"400/timeout through retrieval. Different compilation query and direct section bodies recovered."},"coordinator_acceptance":"original_territorial_deferred_failed_partial_hold_preserved","raw_table_index":12,"raw_row_index":1,"classification":"source_access_status_hold","coordinator_claim_ids":[],"coordinator_source_ids":["S_AZ-P08-S001"],"coordinator_review":{"reviewed_at":"2026-10-29T06:23:50.586874+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","original_locations":[[60969,61111]],"material_correction_ids":[],"all_original_missing_evidence_preserved":true,"state_parent_component_accepted":false}},{"topic":"FAILED-ROUTE-02","researcher_record":{"Source":"S002","Exact failed or partial route":"https://www.azleg.gov/ars/01/00243.htm; https://www.azleg.gov/ars/01/00301.htm","Actual result; recovery or next evidence":"Padded-title routes inaccessible. Official /ars/1/ bodies recovered."},"coordinator_acceptance":"original_territorial_deferred_failed_partial_hold_preserved","raw_table_index":12,"raw_row_index":2,"classification":"source_access_status_hold","coordinator_claim_ids":[],"coordinator_source_ids":["S_AZ-P08-S002"],"coordinator_review":{"reviewed_at":"2026-10-29T06:23:50.586874+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","original_locations":[[61112,61264]],"material_correction_ids":[],"all_original_missing_evidence_preserved":true,"state_parent_component_accepted":false}},{"topic":"FAILED-ROUTE-03","researcher_record":{"Source":"S009","Exact failed or partial route":"https://azmemory.azlibrary.gov/nodes/view/20911; https://www.azleg.gov/legtext/38leg/2r/laws/0350.htm","Actual result; recovery or next evidence":"403 at archive; different Legislature route inaccessible. Hold original act; next evidence is a readable official session-law scan, including approval/effective/transition provisions."},"coordinator_acceptance":"original_territorial_deferred_failed_partial_hold_preserved","raw_table_index":12,"raw_row_index":3,"classification":"source_access_status_hold","coordinator_claim_ids":[],"coordinator_source_ids":["S_AZ-P08-S009"],"coordinator_review":{"reviewed_at":"2026-10-29T06:23:50.586874+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","original_locations":[[61265,61555]],"material_correction_ids":[],"all_original_missing_evidence_preserved":true,"state_parent_component_accepted":false}},{"topic":"FAILED-ROUTE-04","researcher_record":{"Source":"S014","Exact failed or partial route":"https://www.azag.gov/consumer/credit","Actual result; recovery or next evidence":"404. Different official tips page recovered; statutory conflicts preserved."},"coordinator_acceptance":"original_territorial_deferred_failed_partial_hold_preserved","raw_table_index":12,"raw_row_index":4,"classification":"source_access_status_hold","coordinator_claim_ids":[],"coordinator_source_ids":["S_AZ-P08-S014"],"coordinator_review":{"reviewed_at":"2026-10-29T06:23:50.586874+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","original_locations":[[61556,61673]],"material_correction_ids":[],"all_original_missing_evidence_preserved":true,"state_parent_component_accepted":false}},{"topic":"FAILED-ROUTE-05","researcher_record":{"Source":"S016","Exact failed or partial route":"https://uscode.house.gov/us/usc/119-124/t15/s1679a/; https://uscode.house.gov/us/usc/119-124/t15/s1679b/; https://uscode.house.gov/us/usc/119-124/t15/s1679c/","Actual result; recovery or next evidence":"Bodies inaccessible on these release routes. October 7 bodies recovered from different discovered release paths; no claim that these failed versions were read."},"coordinator_acceptance":"original_territorial_deferred_failed_partial_hold_preserved","raw_table_index":12,"raw_row_index":5,"classification":"source_access_status_hold","coordinator_claim_ids":[],"coordinator_source_ids":["S_AZ-P08-S016"],"coordinator_review":{"reviewed_at":"2026-10-29T06:23:50.586874+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","original_locations":[[61674,61996]],"material_correction_ids":[],"all_original_missing_evidence_preserved":true,"state_parent_component_accepted":false}},{"topic":"FAILED-ROUTE-06","researcher_record":{"Source":"S016","Exact failed or partial route":"https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title15-section1679a&num=0&edition=prelim","Actual result; recovery or next evidence":"404. Recovered through S016 readable release body."},"coordinator_acceptance":"original_territorial_deferred_failed_partial_hold_preserved","raw_table_index":12,"raw_row_index":6,"classification":"source_access_status_hold","coordinator_claim_ids":[],"coordinator_source_ids":["S_AZ-P08-S016"],"coordinator_review":{"reviewed_at":"2026-10-29T06:23:50.586874+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","original_locations":[[61997,62155]],"material_correction_ids":[],"all_original_missing_evidence_preserved":true,"state_parent_component_accepted":false}},{"topic":"FAILED-ROUTE-07","researcher_record":{"Source":"S016","Exact failed or partial route":"https://uscode.house.gov/view.xhtml?req=%28title%3A15+section%3A1679a+edition%3Aprelim%29","Actual result; recovery or next evidence":"Internal retrieval error. No body attributed to this route."},"coordinator_acceptance":"original_territorial_deferred_failed_partial_hold_preserved","raw_table_index":12,"raw_row_index":7,"classification":"source_access_status_hold","coordinator_claim_ids":[],"coordinator_source_ids":["S_AZ-P08-S016"],"coordinator_review":{"reviewed_at":"2026-10-29T06:23:50.586874+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","original_locations":[[62156,62310]],"material_correction_ids":[],"all_original_missing_evidence_preserved":true,"state_parent_component_accepted":false}},{"topic":"FAILED-ROUTE-08","researcher_record":{"Source":"S016","Exact failed or partial route":"https://uscode.house.gov/view.xhtml?ca_referer=34999&edition=prelim&num=0&req=granuleid%3AUSC-prelim-title15-chapter41-subchapterII-A","Actual result; recovery or next evidence":"Maintenance response. Different official archived/current-release bodies used with their dates."},"coordinator_acceptance":"original_territorial_deferred_failed_partial_hold_preserved","raw_table_index":12,"raw_row_index":8,"classification":"source_access_status_hold","coordinator_claim_ids":[],"coordinator_source_ids":["S_AZ-P08-S016"],"coordinator_review":{"reviewed_at":"2026-10-29T06:23:50.586874+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","original_locations":[[62311,62545]],"material_correction_ids":[],"all_original_missing_evidence_preserved":true,"state_parent_component_accepted":false}},{"topic":"FAILED-ROUTE-09","researcher_record":{"Source":"S016","Exact failed or partial route":"https://usc-cdn.house.gov/view.xhtml?edition=prelim&req=granuleid%3AUSC-prelim-title15-chapter41-subchapterII-A&saved=%7CZ3JhbnVsZWlkOlVTQy1wcmVsaW0tdGl0bGUxNS1zZWN0aW9uMTY3OWM%3D%7C%7C%7C0%7Cfalse%7Cprelim","Actual result; recovery or next evidence":"400/timeout. No operative body recovered there."},"coordinator_acceptance":"original_territorial_deferred_failed_partial_hold_preserved","raw_table_index":12,"raw_row_index":9,"classification":"source_access_status_hold","coordinator_claim_ids":[],"coordinator_source_ids":["S_AZ-P08-S016"],"coordinator_review":{"reviewed_at":"2026-10-29T06:23:50.586874+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","original_locations":[[62546,62805]],"material_correction_ids":[],"all_original_missing_evidence_preserved":true,"state_parent_component_accepted":false}},{"topic":"FAILED-ROUTE-10","researcher_record":{"Source":"S016/S017","Exact failed or partial route":"https://www.govinfo.gov/content/pkg/USCODE-2025-title15/html/USCODE-2025-title15-chap41-subchapII-A.htm","Actual result; recovery or next evidence":"Inaccessible. Different official 2024 edition recovered; later readable OLRC bodies separately recovered."},"coordinator_acceptance":"original_territorial_deferred_failed_partial_hold_preserved","raw_table_index":12,"raw_row_index":10,"classification":"source_access_status_hold","coordinator_claim_ids":[],"coordinator_source_ids":["S_AZ-P08-S016","S_AZ-P08-S017"],"coordinator_review":{"reviewed_at":"2026-10-29T06:23:50.586874+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","original_locations":[[62806,63025]],"material_correction_ids":[],"all_original_missing_evidence_preserved":true,"state_parent_component_accepted":false}},{"topic":"FAILED-ROUTE-11","researcher_record":{"Source":"S016/S034","Exact failed or partial route":"https://uscode.house.gov/view.xhtml?edition=prelim&f=treesort&jumpTo=true&num=0&req=%28title%3A15+USC+section%3A1679+edition%3Aprelim%29+OR+%28granuleid%3AUSC-prelim-title15+USC-section1679%29","Actual result; recovery or next evidence":"FTC index’s linked route returned 404. Index not used as substitute law."},"coordinator_acceptance":"original_territorial_deferred_failed_partial_hold_preserved","raw_table_index":12,"raw_row_index":11,"classification":"source_access_status_hold","coordinator_claim_ids":[],"coordinator_source_ids":["S_AZ-P08-S016","S_AZ-P08-S034"],"coordinator_review":{"reviewed_at":"2026-10-29T06:23:50.586874+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","original_locations":[[63026,63301]],"material_correction_ids":[],"all_original_missing_evidence_preserved":true,"state_parent_component_accepted":false}},{"topic":"FAILED-ROUTE-12","researcher_record":{"Source":"S016","Exact failed or partial route":"https://uscode.house.gov/us/usc/119-134/t15/s1679/; https://uscode.house.gov/us/usc/119-134/t15/s1679a/; https://uscode.house.gov/us/usc/119-134/t15/s1679b/; https://uscode.house.gov/us/usc/119-134/t15/s1679c/; https://uscode.house.gov/us/usc/119-134/t15/s1679d/","Actual result; recovery or next evidence":"Newer-release bodies inaccessible. These are not treated as October 20 statutory readings."},"coordinator_acceptance":"original_territorial_deferred_failed_partial_hold_preserved","raw_table_index":12,"raw_row_index":12,"classification":"source_access_status_hold","coordinator_claim_ids":[],"coordinator_source_ids":["S_AZ-P08-S016"],"coordinator_review":{"reviewed_at":"2026-10-29T06:23:50.586874+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","original_locations":[[63302,63660]],"material_correction_ids":[],"all_original_missing_evidence_preserved":true,"state_parent_component_accepted":false}},{"topic":"FAILED-ROUTE-13","researcher_record":{"Source":"S016","Exact failed or partial route":"https://uscode.house.gov/us/usc/119-134/t15/s1679e/; https://uscode.house.gov/us/usc/119-134/t15/s1679f/; https://uscode.house.gov/us/usc/119-134/t15/s1679g/; https://uscode.house.gov/us/usc/119-134/t15/s1679h/","Actual result; recovery or next evidence":"§ 1679e(c)/notes were partially read once; subsequent body retrieval failed. Other listed bodies inaccessible. Complete newer-release currentness held."},"coordinator_acceptance":"original_territorial_deferred_failed_partial_hold_preserved","raw_table_index":12,"raw_row_index":13,"classification":"source_access_status_hold","coordinator_claim_ids":[],"coordinator_source_ids":["S_AZ-P08-S016"],"coordinator_review":{"reviewed_at":"2026-10-29T06:23:50.586874+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","original_locations":[[63661,64028]],"material_correction_ids":[],"all_original_missing_evidence_preserved":true,"state_parent_component_accepted":false}},{"topic":"FAILED-ROUTE-14","researcher_record":{"Source":"S016","Exact failed or partial route":"https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title15-section1679e&num=0&edition=prelim","Actual result; recovery or next evidence":"404. October 7 full body and original enactment supply the stated wording; later currency remains qualified."},"coordinator_acceptance":"original_territorial_deferred_failed_partial_hold_preserved","raw_table_index":12,"raw_row_index":14,"classification":"source_access_status_hold","coordinator_claim_ids":[],"coordinator_source_ids":["S_AZ-P08-S016"],"coordinator_review":{"reviewed_at":"2026-10-29T06:23:50.586874+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","original_locations":[[64029,64245]],"material_correction_ids":[],"all_original_missing_evidence_preserved":true,"state_parent_component_accepted":false}},{"topic":"FAILED-ROUTE-15","researcher_record":{"Source":"S022","Exact failed or partial route":"https://www.govinfo.gov/content/pkg/USCODE-2024-title12/html/USCODE-2024-title12-chap14-subchapI-sec1752.htm; https://www.govinfo.gov/content/pkg/USCODE-2024-title12/html/USCODE-2024-title12-chap14-sec1752.htm","Actual result; recovery or next evidence":"Both unavailable through retrieval. Different government-hosted HOLC compilation recovered, with its express nonofficial-version limitation."},"coordinator_acceptance":"original_territorial_deferred_failed_partial_hold_preserved","raw_table_index":12,"raw_row_index":15,"classification":"source_access_status_hold","coordinator_claim_ids":[],"coordinator_source_ids":["S_AZ-P08-S022"],"coordinator_review":{"reviewed_at":"2026-10-29T06:23:50.586874+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","original_locations":[[64246,64601]],"material_correction_ids":[],"all_original_missing_evidence_preserved":true,"state_parent_component_accepted":false}},{"topic":"FAILED-ROUTE-16","researcher_record":{"Source":"S024","Exact failed or partial route":"https://uscode.house.gov/us/usc/119-118/t15/s53/; https://www.govinfo.gov/content/pkg/USCODE-2024-title15/html/USCODE-2024-title15-chap2-subchapI-sec53.htm","Actual result; recovery or next evidence":"OLRC 403; different GPO route inaccessible. Hold current § 53 body/amendments. AMG is used only for its actually read holding."},"coordinator_acceptance":"original_territorial_deferred_failed_partial_hold_preserved","raw_table_index":12,"raw_row_index":16,"classification":"source_access_status_hold","coordinator_claim_ids":[],"coordinator_source_ids":["S_AZ-P08-S024"],"coordinator_review":{"reviewed_at":"2026-10-29T06:23:50.586874+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","original_locations":[[64602,64889]],"material_correction_ids":[],"all_original_missing_evidence_preserved":true,"state_parent_component_accepted":false}},{"topic":"FAILED-ROUTE-17","researcher_record":{"Source":"S032","Exact failed or partial route":"https://www.supremecourt.gov/opinions/11pdf/10-948.pdf","Actual result; recovery or next evidence":"404. Different official U.S. Reports PDF recovered."},"coordinator_acceptance":"original_territorial_deferred_failed_partial_hold_preserved","raw_table_index":12,"raw_row_index":17,"classification":"source_access_status_hold","coordinator_claim_ids":[],"coordinator_source_ids":["S_AZ-P08-S032"],"coordinator_review":{"reviewed_at":"2026-10-29T06:23:50.586874+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","original_locations":[[64890,65001]],"material_correction_ids":[],"all_original_missing_evidence_preserved":true,"state_parent_component_accepted":false}},{"topic":"FAILED-ROUTE-18","researcher_record":{"Source":"S033","Exact failed or partial route":"https://www.govinfo.gov/content/pkg/USREPORTS-593/pdf/USREPORTS-593-67.pdf","Actual result; recovery or next evidence":"Inaccessible. Different official Supreme Court slip PDF recovered."},"coordinator_acceptance":"original_territorial_deferred_failed_partial_hold_preserved","raw_table_index":12,"raw_row_index":18,"classification":"source_access_status_hold","coordinator_claim_ids":[],"coordinator_source_ids":["S_AZ-P08-S033"],"coordinator_review":{"reviewed_at":"2026-10-29T06:23:50.586874+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","original_locations":[[65002,65148]],"material_correction_ids":[],"all_original_missing_evidence_preserved":true,"state_parent_component_accepted":false}}],"annotations":{},"corrections":[],"resolved_corrections":[],"review_history":[{"id":"S_AZ-P08-REVIEW-SCOPE","status":"scoped_coordinator_review_complete_with_source_currentness_cancellation_and_application_holds","at":null},{"id":"S_AZ-P08-CANCELLATION-HARMONIZATION-HOLD","status":"unresolved_qualified_authority_hold_not_material_error","at":null},{"id":"S_AZ-P08-SOURCE-ACCESS-HOLD","status":"currentness_access_hold_not_material_error","at":null}]}