{"meta":{"key":"s_ia--pass-02","task":"S_IA","title":"Bounded source-evidence and qualification correction to","parent_title":"Iowa debt and debt relief law","edition":"pass-02","path":"/research/s_ia--pass-02/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-26","tables":4,"claims":5,"sources":9,"review_status":"revise","review_complete":true,"sha256":"33703b2c05e227c2f3cc9c269d3853c89de18ef6e0c9cc1e1506f9531c917c75","headings":["Bounded source-evidence and qualification correction to PASS-01","Correction in one sentence","1. New source alias","S_IA-P2-S001","2. Minimal replacement claim cells","3. Replacement for the affected P1 §5.2 narrative","4. Document and version usage","5. New corrective claims","6. Focused P1 coverage patch","Preserved nonexpansion holds","7. Researcher self-check","Freshly read in PASS-02","Provided or reused rather than newly established","Not read or not established"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-5.6 Sol","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_IA/pass-02","facets":{"geography":["us","us-ia"],"debt_type":[],"stage":[],"subject":[]},"scope":"Only recoveredofficialChapter20completion/expiration/newsource-version evidence and affectedoldclaim/coveragequalification;proposal/postcompilation/providerholdsretained","pending_corrections":0},"markdown":"# SettleADebt S_IA PASS-02\n\n## Bounded source-evidence and qualification correction to PASS-01\n\n**Actual access date:** October 24, 2026, Pacific\n**Review status:** Same-coordinator scoped correction after separate review of P1; **not independent review**.\n**Preserved without recalculation:** All seven P1 examples, 26 reviewed numeric quantities, three reviewed comparisons, substantive framework, historical material, proposal material, provider/contract holds, post-compilation holds, federal applicability holds, and all later-pass categories.\n\n### Correction in one sentence\n\nP1 §5.2 and C023 were too broad in treating the full-remittance settlement-completion definition as merely proposed: the official **October 14, 2026 Agency 187 compilation** already contains that definition in existing rule 187—20.1, with a source note identifying ARC 4061C, IAB October 10, 2018, effective November 14, 2018. ARC 0368D separately proposes replacing Chapter 20 and remains unresolved as a final rulemaking in the sources checked. [Iowa Legislature+4](https://www.legis.iowa.gov/law/administrativeRules/chapters?agency=187)\n\n## 1. New source alias\n\n### S_IA-P2-S001\n\n**Title/issuer:** Iowa Administrative Code, Banking Division [187], Agency PDF\n**Direct literal URL:**\nhttps://www.legis.iowa.gov/docs/iac/agency/10-14-2026.187.pdf\n\n**Official index locator:**\nhttps://www.legis.iowa.gov/law/administrativeRules/chapters?agency=187\n\n**Version and exact usage:** The official agency index is labeled **“Iowa Administrative Code — 10/14/2026”** and lists Chapter 20, Debt Management, within the Agency 187 PDF. Chapter 20 occupies printed pages 1–5, PDF indices 68–72, parsed lines 2652–2897. All five Chapter 20 pages were read; the other portions of the 75-page agency PDF were not comprehensively reviewed. [Iowa Legislature+6](https://www.legis.iowa.gov/law/administrativeRules/chapters?agency=187)\n\n**Chapter/version qualifications:** The Chapter 20 page footers state **IAC 2/5/25**. Rule 20.1 and the remaining Chapter 20 rules carry source citations to ARC 4061C, IAB 10/10/18, effective 11/14/18; the chapter-end filing note identifies Notice ARC 3954C and the same effective date. The original 2018 adoption order was not freshly read. The October 14, 2026 compilation establishes the text present in that official compilation; it does not complete a later-than-October-14 amendment audit. [Iowa Legislature+2](https://www.legis.iowa.gov/docs/iac/agency/10-14-2026.187.pdf)\n\n## 2. Minimal replacement claim cells\n\nThe old P1 aliases remain stable. Only the following cells are replaced.\n\n| Stable P1 claim alias | Replacement precise assertion | Replacement evidence and pinpoint | Conditions and confidence limits |\n| --- | --- | --- | --- |\n| **S_IA-P1-C009 / C009** | The percent-of-total-debt method uses equal installments over the first two-thirds of the contract. Its separate pro-rata collection provision applies “upon completion of a settlement”; in the official October 14, 2026 compiled Chapter 20, rule 187—20.1 defines that phrase as the point when **all payments necessary to completely satisfy that debt have been remitted to the creditor**. | P1 S002, Iowa Code §533A.9(4)(b)(1), printed p.1, lines 23–38; S_IA-P2-S001, 187—20.1, Ch. 20 printed p.1/PDF index 68/parsed lines 2655–2664. [Iowa Legislature+1](https://www.legis.iowa.gov/docs/code/2026/533A.9.pdf) | High for the statutory formula and rule text contained in the identified compilations. No change to P1 arithmetic. Later-than-October-14 rule changes, controlling interpretation, contract terms, earlier-fee reconciliation, cancellation-ledger treatment, and independently applicable federal timing remain held. |\n| **S_IA-P1-C010 / C010** | The savings method uses $50 monthly installments credited against fees earned from settlements, permits the stated savings calculation subject to the 30% savings-rate and 18% aggregate ceilings, and contains a collection branch “upon completion of a settlement.” For that completed-settlement branch, the existing compiled 187—20.1 full-remittance definition applies. | P1 S002, §533A.9(4)(b)(2), printed pp.1–2, lines 39–57; S_IA-P2-S001, 187—20.1, printed p.1/PDF index 68/lines 2655–2664. [Iowa Legislature+1](https://www.legis.iowa.gov/docs/code/2026/533A.9.pdf) | High for the text. This correction does not establish that the monthly installments are collectible in advance under federal law, that a particular contract complies, or that any previously collected amount was lawfully earned. |\n| **S_IA-P1-C016 / C016** | The Iowa Division of Banking provides an NMLS Consumer Access route and displays “Debt Management — December 31” operationally. Existing rule 20.3(6) qualifies the expiration statement: a license ordinarily expires on the next December 31 after issuance, but a license granted on or after November 1 and before January 1 does not expire until December 31 of the following year. Rule 20.5 requires timely renewal to remain authorized, submission through NMLS by December 1, a complete application, appropriate fees, and no revealed ground for denial; operation after expiration is unauthorized. | P1 S004, License Verification, “License Search” and “License Types”; S_IA-P2-S001, 20.3(6), printed p.1/PDF index 68/lines 2692–2695; 20.5(1)–(4), printed p.2/PDF index 69/lines 2708–2729. [Iowa Division of Banking+3](https://idob.iowa.gov/finance/finance-license-verification) | High for the operational page and compiled rule text. No named provider record, license issuance, renewal, active status, branch authority, or expiration date was verified. |\n| **S_IA-P1-C018 / C018** | ARC 0368D is a Notice of Intended Action proposing to rescind and replace Chapter 20. The official current-status routes checked still identify ARC 0368D as a proposed action/Notice of Intended Action. Separately, the October 14, 2026 Agency 187 compilation contains the preexisting Chapter 20 text sourced to ARC 4061C. | P1 S005, notice heading and purpose, lines 3–26; closed-comment/publication information, lines 212–224; Banking Division organization page, ARC 0368D entry, lines 89–94; S_IA-P2-S001, Chapter 20 source notes. [Iowa Administrative Rules+3](https://rules.iowa.gov/Notice/Details/0368D) | High that the proposal exists and that the compiled older rule text exists. Final adoption, withdrawal, modification, or another disposition of ARC 0368D was not established. Other chapters appearing as “Adopted and Filed” does not prove either adoption or nonadoption of this proposal. |\n| **S_IA-P1-C023 / C023** | **Replacement for the prior cell:** The settlement-completion definition is not merely proposed. Existing compiled rule 187—20.1 defines “upon completion of a settlement of a debtor’s debt” as when all payments necessary to completely satisfy the debt have been remitted to the creditor. ARC 0368D repeats materially the same definition in its proposed replacement chapter, but its final disposition remains held. | S_IA-P2-S001, 187—20.1, printed p.1/PDF index 68/lines 2655–2664; source note ARC 4061C, IAB 10/10/18, effective 11/14/18. P1 S005, proposed 20.1, lines 75–86. [Iowa Legislature+1](https://www.legis.iowa.gov/docs/iac/agency/10-14-2026.187.pdf) | High for the definition appearing in the October 14, 2026 compilation and for the stated 2018 source/effective note. Original adoption-order history, post-October-14 changes, rule validity challenges, controlling decisions, and application to an actual performance record remain unverified. |\n| **S_IA-P1-C024 / C024** | A noncustodial program’s lawful collection schedule cannot be determined from Iowa’s fee ceilings alone. The state completed-settlement branch now has a verified compiled-rule qualification requiring full remittance to the creditor. Separately, where the federal TSR applies, §310.4(a)(5)(i)(B) uses the customer’s making at least one payment under the settlement agreement as one of its conditions. The two thresholds are textually distinct and must not be substituted for each other. | P1 S002, §533A.9(4); S_IA-P2-S001, 187—20.1; preserved P1 S006, §310.4(a)(5). A narrow fresh official eCFR check confirms the separate “at least one payment” wording. [Iowa Legislature+2](https://www.legis.iowa.gov/docs/code/2026/533A.9.pdf) | High for the textual distinction. Federal coverage, exemptions, sales-channel facts, CROA overlap, state/federal interaction, contract performance, and actual fee entitlement remain held. |\n| **S_IA-P1-C025 / C025** | Reading the official October 14, 2026 compiled Chapter 20 narrows P1’s operative-rules-text gap. It does **not** establish complete Iowa compliance, approval of a contract, or authorization of a provider. | P1 S001 §§533A.2–.9; P1 S004–S005; S_IA-P2-S001, complete Chapter 20 as compiled at printed pp.1–5/PDF indices 68–72. [Iowa Legislature+4](https://www.legis.iowa.gov/docs/iac/agency/10-14-2026.187.pdf) | Post-compilation session laws, changes after October 14, final ARC 0368D disposition, provider-specific NMLS records, current company/branch checklists, system charges, contract evidence, controlling decisions, and federal applicability remain unresolved. |\n\n## 3. Replacement for the affected P1 §5.2 narrative\n\nReplace the proposal-only completion discussion with the following:\n\nThe settlement-completion definition is independently present in the official October 14, 2026 compiled Chapter 20. Existing rule 187—20.1 defines “upon completion of a settlement of a debtor’s debt” as the point when all payments necessary to completely satisfy that debt have been remitted to the creditor. The rule’s source note identifies ARC 4061C, IAB October 10, 2018, effective November 14, 2018. ARC 0368D proposes a replacement Chapter 20 and repeats the same full-remittance definition, but the proposal’s final disposition remains unverified. [Iowa Legislature+1](https://www.legis.iowa.gov/docs/iac/agency/10-14-2026.187.pdf)\n\nAccordingly, whenever P1 C009, C010, E03, E04, E05, or E07 assumes a completed Iowa settlement for the statutory pro-rata fee branch, the assumption now means that all payments necessary to satisfy the individual debt have been remitted to the creditor. This does not change any P1 formula or numerical result. It does not resolve prior-fee credits, combined cancellation accounting, contract interpretation, or whether the assumed performance actually occurred. E06 assumed no completed settlement and needs no mathematical or factual rewrite. The state full-remittance definition remains distinct from the conditional federal TSR requirement that the customer make at least one payment under the settlement agreement. [Iowa Legislature+2](https://www.legis.iowa.gov/docs/code/2026/533A.9.pdf)\n\n## 4. Document and version usage\n\n| Identity or route | Direct literal URL | Actual use in PASS-02 | Status and limitation |\n| --- | --- | --- | --- |\n| **New S_IA-P2-S001 — Agency 187 PDF** | https://www.legis.iowa.gov/docs/iac/agency/10-14-2026.187.pdf | Freshly read all of Chapter 20: printed pp.1–5, PDF indices 68–72, parsed lines 2652–2897. | Substantive new authority for 20.1, 20.3(6), and 20.5. The full 75-page agency document was not read. Chapter footer is IAC 2/5/25; source note states effective 11/14/18. [Iowa Legislature+4](https://www.legis.iowa.gov/docs/iac/agency/10-14-2026.187.pdf) |\n| **Official Agency 187 index/locator** | https://www.legis.iowa.gov/law/administrativeRules/chapters?agency=187 | Freshly read. Establishes the official index label “Iowa Administrative Code — 10/14/2026,” Agency PDF route, and Chapter 20 listing. | Locator for S_IA-P2-S001; not assigned a duplicative substantive document ID. [Iowa Legislature+1](https://www.legis.iowa.gov/law/administrativeRules/chapters?agency=187) |\n| **Individual Chapter 20 rule-list route** | https://www.legis.iowa.gov/law/administrativeRules/rules?agency=187&chapter=20&pubDate=10-14-2026 | The coordinator previously reported a cache miss. Fresh PASS-02 access returned a rule-listing page, including the October 14, 2026 heading and rule names, but not the operative rule bodies. | No substantive reliance; Agency PDF supplies the actual text. A failed or listing-only HTML route is not generalized into a claim that the rules were unread. [Iowa Legislature](https://www.legis.iowa.gov/law/administrativeRules/rules?agency=187&chapter=20&pubDate=10-14-2026) |\n| **P1 S005 — ARC 0368D** | https://rules.iowa.gov/Notice/Details/0368D | S005 remains unchanged. Coordinator-provided provenance records a complete 260-line read; PASS-02 freshly checked the notice identity, proposed 20.1, renewal provisions, publication date, and closed-comment status. | Notice published June 10, 2026; comments closed July 14, 2026. It remains a proposal in the routes checked; no final-disposition inference. [Iowa Administrative Rules+3](https://rules.iowa.gov/Notice/Details/0368D) |\n| **Banking Division rulemaking status route** | https://rules.iowa.gov/Organization/Details/banking-division | Freshly checked for bounded status qualification. | ARC 0368D is displayed as “Notice of Intended Action”; other entries’ adopted status does not prove this proposal’s disposition. [Iowa Administrative Rules](https://rules.iowa.gov/Organization/Details/banking-division) |\n| **P1 S001 dynamic and dated Chapter 533A routes** | https://www.legis.iowa.gov/docs/ico/chapter/533A.pdf  \\|  https://www.legis.iowa.gov/docs/code/2026/533A.pdf | Both freshly opened. Each rendered a 14-page Iowa Code 2026 Chapter 533A with a December 9, 2025 footer. | No new source ID and no byte-identity assertion. They remain two observed routes to the same underlying statutory chapter. [Iowa Legislature+1](https://www.legis.iowa.gov/docs/ico/chapter/533A.pdf) |\n| **P1 S002 — §533A.9 section PDF** | https://www.legis.iowa.gov/docs/code/2026/533A.9.pdf | Freshly checked for exact completed-settlement clauses and footer. | Complete two-page section; footer dated December 12, 2025. Existing S002 retained, not duplicated. [Iowa Legislature+1](https://www.legis.iowa.gov/docs/code/2026/533A.9.pdf) |\n| **P1 S004 — IDOB verification page** | https://idob.iowa.gov/finance/finance-license-verification | Freshly checked for the NMLS route and operational expiration table. | Procedure only; no provider search or license result. [Iowa Division of Banking](https://idob.iowa.gov/finance/finance-license-verification) |\n| **Federal timing comparator only** | https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4 | Freshly opened only to confirm the distinct first-customer-payment language in §310.4(a)(5)(i)(B). | P1 S006’s original Cornell provenance remains unchanged. No federal coverage, exception, CROA, §310.2, or §310.6 reanalysis was performed. [eCFR](https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4) |\n\n## 5. New corrective claims\n\n| Corrective claim ID | Corrective assertion | Evidence and qualification |\n| --- | --- | --- |\n| **S_IA-P2-C001** | The official October 14, 2026 Agency 187 compilation contains an existing 187—20.1 definition requiring all payments necessary to satisfy the debt to have been remitted to the creditor before a settlement is “completed” under that phrase. | S_IA-P2-S001, printed p.1/PDF index 68/lines 2655–2664. Compilation-date and later-amendment limits preserved. [Iowa Legislature](https://www.legis.iowa.gov/docs/iac/agency/10-14-2026.187.pdf) |\n| **S_IA-P2-C002** | The existing rule, not merely ARC 0368D, supplies the full-remittance assumption for P1’s completed-settlement fee branches. | S_IA-P2-S001 and P1 S002 §533A.9(4)(b)(1)–(2). No change to formulas or results. [Iowa Legislature+1](https://www.legis.iowa.gov/docs/iac/agency/10-14-2026.187.pdf) |\n| **S_IA-P2-C003** | Iowa’s compiled rule qualifies the generic December 31 expiration description with the November 1–January 1 issuance window and separately requires timely, complete renewal to remain authorized. | S_IA-P2-S001, 20.3(6), printed p.1/index 68/lines 2692–2695; 20.5(1)–(4), p.2/index 69/lines 2708–2729. No provider status established. [Iowa Legislature+1](https://www.legis.iowa.gov/docs/iac/agency/10-14-2026.187.pdf) |\n| **S_IA-P2-C004** | ARC 0368D’s identity and unresolved final status are separate from the existence of the older compiled Chapter 20 text. | P1 S005; Banking Division status page; S_IA-P2-S001. No adoption, withdrawal, or nonadoption inference. [Iowa Administrative Rules+2](https://rules.iowa.gov/Notice/Details/0368D) |\n| **S_IA-P2-C005** | PASS-02 narrows the old-rules-text gap only. It does not verify complete Iowa compliance, a particular contract, or any provider’s authority. | S_IA-P2-S001; P1 S001–S006. Provider, contract, post-compilation, case-law, federal, local, tribal, and later-pass holds remain. |\n\n## 6. Focused P1 coverage patch\n\n| Existing P1 coverage row or example | Corrected status | PASS-02 linkage | Remaining exact hold |\n| --- | --- | --- | --- |\n| **Percent-of-total-debt collection** | **Partial — narrowed** | C009; P2-C001–C002; E03 | The pro-rata completed-settlement branch now carries the full-remittance assumption. Earlier installments, federal timing, actual performance, contract terms, and prior-fee allocation remain unresolved. |\n| **Percent-of-savings collection** | **Partial — narrowed** | C010; P2-C001–C002; E04–E05 | The completed-settlement calculation now carries the full-remittance assumption. The legality of earlier $50 collections, credits, federal timing, and actual earning remains held. |\n| **Partial-settlement allocation** | **Partial — narrowed** | C009–C010; E03–E05 | “Completed” is clarified; the formulas are unchanged. No finding that one creditor payment, one customer payment, or creditor acceptance alone satisfies the Iowa full-remittance definition. |\n| **Cancellation/refunds** | **Partial — unchanged except assumption clarification** | C011 with corrected C009–C010; E06–E07 | E06 assumed no completed settlement and is unchanged. In E07, use of the completed-settlement branch requires full remittance. The interaction between the completed-settlement amount, scheduled-installment retention, prior collections, and refund remains held; the figures must not simply be added. |\n| **Public license lookup** | **Answered as procedure, with expiry qualification** | C016; P2-C003 | NMLS route and general December 31 description preserved; issuance-window and renewal conditions added. No named-provider result. |\n| **Named-provider authorization** | **Unresolved** | C021, corrected C016 and C025 | Actual NMLS/Iowa record, active status, company/branch scope, renewal, and authority to operate remain unverified. |\n| **Administrative Chapter 20 currency** | **Partial — materially narrowed** | Corrected C018, C023, C025; P2-C001, C004–C005 | Official Chapter 20 text in the October 14, 2026 compilation was read. Final ARC 0368D disposition, changes after October 14, original adoption-order history, and controlling interpretations remain held. |\n| **Federal TSR timing** | **Partial — no scope expansion** | Corrected C024; P2-C002 | Iowa full remittance and conditional TSR first customer payment are distinct. Full TSR applicability, §310.2/§310.6 exceptions, CROA, channel facts, and credit-repair overlap remain held. |\n| **Post-compilation statutory/rule currentness** | **Unresolved** | C022, corrected C025 | No post-compilation session-law bill-status audit and no later-than-October-14 rule-change audit were completed. |\n| **Complete licensing and contract compliance** | **Unresolved** | Corrected C025 | Current NMLS company/branch checklists, system charges, provider records, actual contract, settlement evidence, accounting records, case law, and agency interpretations remain required. |\n\n### Preserved nonexpansion holds\n\nThe coordinator-identified reconciliation between Iowa Code §533A.8(7)’s five-year record provision and rule 20.9(1)(b)’s 36-month language remains a separate unresolved conditions/currentness issue. PASS-02 does not resolve that issue and does not shorten any retention period. Rule 20.9(1)(b), as present in the October 14 compilation, states at least 36 months from the final transaction, but the statutory relationship was not analyzed here. [Iowa Legislature+1](https://www.legis.iowa.gov/docs/iac/agency/10-14-2026.187.pdf)\n\nThe full current NMLS company and branch checklists, NMLS charges, government/system fees beyond previously established text, actual provider records, full contract analysis, post-compilation legislation, CROA, federal sales-channel applicability, local law, tribal law, secured-debt issues, remedies, limitations, litigation, and all other later Iowa dossier categories remain open.\n\n## 7. Researcher self-check\n\n### Freshly read in PASS-02\n\nThe following were freshly accessed:\n\n- The official Agency 187 index labeled October 14, 2026.\n- Every printed page of Chapter 20 within the Agency 187 PDF: printed pages 1–5/PDF indices 68–72.\n- Rule 20.1’s full-remittance definition.\n- Rule 20.3(6)’s expiration qualification.\n- Rule 20.5’s renewal provisions.\n- The Chapter 20 footer and source/effective notes.\n- Relevant ARC 0368D proposal and status passages.\n- The Banking Division rulemaking listing.\n- The IDOB license-verification page.\n- Both Chapter 533A statutory routes and the separate §533A.9 PDF.\n- Current eCFR §310.4 only for the narrow first-payment comparison.\n\n### Provided or reused rather than newly established\n\nThe same coordinator’s complete P1 review, all P1 calculations, example structures, prior source reads, proposal read history, historical material, and federal-source provenance were reused. No numerical example was rerun or rewritten.\n\n### Not read or not established\n\nThe following were not established:\n\n- The original ARC 4061C adoption order as a freshly read document.\n- A final adoption, withdrawal, modification, or other conclusive disposition of ARC 0368D.\n- Any Chapter 20 change after October 14, 2026.\n- A post-compilation Iowa session-law audit.\n- Any named provider’s license or branch status.\n- Current complete NMLS company/branch checklists or all system charges.\n- An actual consumer contract, performance file, creditor remittance record, or accounting ledger.\n- Controlling Iowa case law or comprehensive agency interpretations.\n- Full TSR applicability, exceptions, CROA, or credit-repair analysis.\n- The separate record-retention reconciliation.\n- Local, tribal, secured-debt, remedies, limitations, collections, or other later-pass subjects.\n\nNo application was filed, no provider or regulator was contacted, no private data was accessed, no local artifact was written, and no publication or site was changed.\n\nThis PASS-02 is a **same-coordinator bounded correction, not independent review**, and it does not imply Iowa launch approval, provider approval, contract approval, A066 acceptance, or publication readiness.\n\n**END S_IA PASS-02**\n\n","tables":[{"headers":["Stable P1 claim alias","Replacement precise assertion","Replacement evidence and pinpoint","Conditions and confidence limits"],"index":0,"links":[{"href":"https://www.legis.iowa.gov/docs/code/2026/533A.9.pdf","text":"Iowa Legislature\n+1"},{"href":"https://www.legis.iowa.gov/docs/code/2026/533A.9.pdf","text":"Iowa Legislature\n+1"},{"href":"https://idob.iowa.gov/finance/finance-license-verification","text":"Iowa Division of Banking\n+3"},{"href":"https://rules.iowa.gov/Notice/Details/0368D","text":"Iowa Administrative Rules\n+3"},{"href":"https://www.legis.iowa.gov/docs/iac/agency/10-14-2026.187.pdf","text":"Iowa Legislature\n+1"},{"href":"https://www.legis.iowa.gov/docs/code/2026/533A.9.pdf","text":"Iowa Legislature\n+2"},{"href":"https://www.legis.iowa.gov/docs/iac/agency/10-14-2026.187.pdf","text":"Iowa Legislature\n+4"}],"row_links":[[],[{"href":"https://www.legis.iowa.gov/docs/code/2026/533A.9.pdf","text":"Iowa Legislature\n+1"}],[{"href":"https://www.legis.iowa.gov/docs/code/2026/533A.9.pdf","text":"Iowa Legislature\n+1"}],[{"href":"https://idob.iowa.gov/finance/finance-license-verification","text":"Iowa Division of Banking\n+3"}],[{"href":"https://rules.iowa.gov/Notice/Details/0368D","text":"Iowa Administrative Rules\n+3"}],[{"href":"https://www.legis.iowa.gov/docs/iac/agency/10-14-2026.187.pdf","text":"Iowa Legislature\n+1"}],[{"href":"https://www.legis.iowa.gov/docs/code/2026/533A.9.pdf","text":"Iowa Legislature\n+2"}],[{"href":"https://www.legis.iowa.gov/docs/iac/agency/10-14-2026.187.pdf","text":"Iowa Legislature\n+4"}]],"rows":[["Stable P1 claim alias","Replacement precise assertion","Replacement evidence and pinpoint","Conditions and confidence limits"],["S_IA-P1-C009 / C009","The percent-of-total-debt method uses equal installments over the first two-thirds of the contract. Its separate pro-rata collection provision applies “upon completion of a settlement”; in the official October 14, 2026 compiled Chapter 20, rule 187—20.1 defines that phrase as the point when all payments necessary to completely satisfy that debt have been remitted to the creditor.","P1 S002, Iowa Code §533A.9(4)(b)(1), printed p.1, lines 23–38; S_IA-P2-S001, 187—20.1, Ch. 20 printed p.1/PDF index 68/parsed lines 2655–2664. \nIowa Legislature\n+1","High for the statutory formula and rule text contained in the identified compilations. No change to P1 arithmetic. Later-than-October-14 rule changes, controlling interpretation, contract terms, earlier-fee reconciliation, cancellation-ledger treatment, and independently applicable federal timing remain held."],["S_IA-P1-C010 / C010","The savings method uses $50 monthly installments credited against fees earned from settlements, permits the stated savings calculation subject to the 30% savings-rate and 18% aggregate ceilings, and contains a collection branch “upon completion of a settlement.” For that completed-settlement branch, the existing compiled 187—20.1 full-remittance definition applies.","P1 S002, §533A.9(4)(b)(2), printed pp.1–2, lines 39–57; S_IA-P2-S001, 187—20.1, printed p.1/PDF index 68/lines 2655–2664. \nIowa Legislature\n+1","High for the text. This correction does not establish that the monthly installments are collectible in advance under federal law, that a particular contract complies, or that any previously collected amount was lawfully earned."],["S_IA-P1-C016 / C016","The Iowa Division of Banking provides an NMLS Consumer Access route and displays “Debt Management — December 31” operationally. Existing rule 20.3(6) qualifies the expiration statement: a license ordinarily expires on the next December 31 after issuance, but a license granted on or after November 1 and before January 1 does not expire until December 31 of the following year. Rule 20.5 requires timely renewal to remain authorized, submission through NMLS by December 1, a complete application, appropriate fees, and no revealed ground for denial; operation after expiration is unauthorized.","P1 S004, License Verification, “License Search” and “License Types”; S_IA-P2-S001, 20.3(6), printed p.1/PDF index 68/lines 2692–2695; 20.5(1)–(4), printed p.2/PDF index 69/lines 2708–2729. \nIowa Division of Banking\n+3","High for the operational page and compiled rule text. No named provider record, license issuance, renewal, active status, branch authority, or expiration date was verified."],["S_IA-P1-C018 / C018","ARC 0368D is a Notice of Intended Action proposing to rescind and replace Chapter 20. The official current-status routes checked still identify ARC 0368D as a proposed action/Notice of Intended Action. Separately, the October 14, 2026 Agency 187 compilation contains the preexisting Chapter 20 text sourced to ARC 4061C.","P1 S005, notice heading and purpose, lines 3–26; closed-comment/publication information, lines 212–224; Banking Division organization page, ARC 0368D entry, lines 89–94; S_IA-P2-S001, Chapter 20 source notes. \nIowa Administrative Rules\n+3","High that the proposal exists and that the compiled older rule text exists. Final adoption, withdrawal, modification, or another disposition of ARC 0368D was not established. Other chapters appearing as “Adopted and Filed” does not prove either adoption or nonadoption of this proposal."],["S_IA-P1-C023 / C023","Replacement for the prior cell: The settlement-completion definition is not merely proposed. Existing compiled rule 187—20.1 defines “upon completion of a settlement of a debtor’s debt” as when all payments necessary to completely satisfy the debt have been remitted to the creditor. ARC 0368D repeats materially the same definition in its proposed replacement chapter, but its final disposition remains held.","S_IA-P2-S001, 187—20.1, printed p.1/PDF index 68/lines 2655–2664; source note ARC 4061C, IAB 10/10/18, effective 11/14/18. P1 S005, proposed 20.1, lines 75–86. \nIowa Legislature\n+1","High for the definition appearing in the October 14, 2026 compilation and for the stated 2018 source/effective note. Original adoption-order history, post-October-14 changes, rule validity challenges, controlling decisions, and application to an actual performance record remain unverified."],["S_IA-P1-C024 / C024","A noncustodial program’s lawful collection schedule cannot be determined from Iowa’s fee ceilings alone. The state completed-settlement branch now has a verified compiled-rule qualification requiring full remittance to the creditor. Separately, where the federal TSR applies, §310.4(a)(5)(i)(B) uses the customer’s making at least one payment under the settlement agreement as one of its conditions. The two thresholds are textually distinct and must not be substituted for each other.","P1 S002, §533A.9(4); S_IA-P2-S001, 187—20.1; preserved P1 S006, §310.4(a)(5). A narrow fresh official eCFR check confirms the separate “at least one payment” wording. \nIowa Legislature\n+2","High for the textual distinction. Federal coverage, exemptions, sales-channel facts, CROA overlap, state/federal interaction, contract performance, and actual fee entitlement remain held."],["S_IA-P1-C025 / C025","Reading the official October 14, 2026 compiled Chapter 20 narrows P1’s operative-rules-text gap. It does not establish complete Iowa compliance, approval of a contract, or authorization of a provider.","P1 S001 §§533A.2–.9; P1 S004–S005; S_IA-P2-S001, complete Chapter 20 as compiled at printed pp.1–5/PDF indices 68–72. \nIowa Legislature\n+4","Post-compilation session laws, changes after October 14, final ARC 0368D disposition, provider-specific NMLS records, current company/branch checklists, system charges, contract evidence, controlling decisions, and federal applicability remain unresolved."]]},{"headers":["Identity or route","Direct literal URL","Actual use in PASS-02","Status and limitation"],"index":1,"links":[{"href":"https://www.legis.iowa.gov/docs/iac/agency/10-14-2026.187.pdf","text":"Iowa Legislature\n+4"},{"href":"https://www.legis.iowa.gov/law/administrativeRules/chapters?agency=187","text":"Iowa Legislature\n+1"},{"href":"https://www.legis.iowa.gov/law/administrativeRules/rules?agency=187&chapter=20&pubDate=10-14-2026","text":"Iowa Legislature"},{"href":"https://rules.iowa.gov/Notice/Details/0368D","text":"Iowa Administrative Rules\n+3"},{"href":"https://rules.iowa.gov/Organization/Details/banking-division","text":"Iowa Administrative Rules"},{"href":"https://www.legis.iowa.gov/docs/ico/chapter/533A.pdf","text":"Iowa Legislature\n+1"},{"href":"https://www.legis.iowa.gov/docs/code/2026/533A.9.pdf","text":"Iowa Legislature\n+1"},{"href":"https://idob.iowa.gov/finance/finance-license-verification","text":"Iowa Division of Banking"},{"href":"https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4","text":"eCFR"}],"row_links":[[],[{"href":"https://www.legis.iowa.gov/docs/iac/agency/10-14-2026.187.pdf","text":"Iowa Legislature\n+4"}],[{"href":"https://www.legis.iowa.gov/law/administrativeRules/chapters?agency=187","text":"Iowa Legislature\n+1"}],[{"href":"https://www.legis.iowa.gov/law/administrativeRules/rules?agency=187&chapter=20&pubDate=10-14-2026","text":"Iowa Legislature"}],[{"href":"https://rules.iowa.gov/Notice/Details/0368D","text":"Iowa Administrative Rules\n+3"}],[{"href":"https://rules.iowa.gov/Organization/Details/banking-division","text":"Iowa Administrative Rules"}],[{"href":"https://www.legis.iowa.gov/docs/ico/chapter/533A.pdf","text":"Iowa Legislature\n+1"}],[{"href":"https://www.legis.iowa.gov/docs/code/2026/533A.9.pdf","text":"Iowa Legislature\n+1"}],[{"href":"https://idob.iowa.gov/finance/finance-license-verification","text":"Iowa Division of Banking"}],[{"href":"https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4","text":"eCFR"}]],"rows":[["Identity or route","Direct literal URL","Actual use in PASS-02","Status and limitation"],["New S_IA-P2-S001 — Agency 187 PDF","https://www.legis.iowa.gov/docs/iac/agency/10-14-2026.187.pdf","Freshly read all of Chapter 20: printed pp.1–5, PDF indices 68–72, parsed lines 2652–2897.","Substantive new authority for 20.1, 20.3(6), and 20.5. The full 75-page agency document was not read. Chapter footer is IAC 2/5/25; source note states effective 11/14/18. \nIowa Legislature\n+4"],["Official Agency 187 index/locator","https://www.legis.iowa.gov/law/administrativeRules/chapters?agency=187","Freshly read. Establishes the official index label “Iowa Administrative Code — 10/14/2026,” Agency PDF route, and Chapter 20 listing.","Locator for S_IA-P2-S001; not assigned a duplicative substantive document ID. \nIowa Legislature\n+1"],["Individual Chapter 20 rule-list route","https://www.legis.iowa.gov/law/administrativeRules/rules?agency=187&chapter=20&pubDate=10-14-2026","The coordinator previously reported a cache miss. Fresh PASS-02 access returned a rule-listing page, including the October 14, 2026 heading and rule names, but not the operative rule bodies.","No substantive reliance; Agency PDF supplies the actual text. A failed or listing-only HTML route is not generalized into a claim that the rules were unread. \nIowa Legislature"],["P1 S005 — ARC 0368D","https://rules.iowa.gov/Notice/Details/0368D","S005 remains unchanged. Coordinator-provided provenance records a complete 260-line read; PASS-02 freshly checked the notice identity, proposed 20.1, renewal provisions, publication date, and closed-comment status.","Notice published June 10, 2026; comments closed July 14, 2026. It remains a proposal in the routes checked; no final-disposition inference. \nIowa Administrative Rules\n+3"],["Banking Division rulemaking status route","https://rules.iowa.gov/Organization/Details/banking-division","Freshly checked for bounded status qualification.","ARC 0368D is displayed as “Notice of Intended Action”; other entries’ adopted status does not prove this proposal’s disposition. \nIowa Administrative Rules"],["P1 S001 dynamic and dated Chapter 533A routes","https://www.legis.iowa.gov/docs/ico/chapter/533A.pdf | https://www.legis.iowa.gov/docs/code/2026/533A.pdf","Both freshly opened. Each rendered a 14-page Iowa Code 2026 Chapter 533A with a December 9, 2025 footer.","No new source ID and no byte-identity assertion. They remain two observed routes to the same underlying statutory chapter. \nIowa Legislature\n+1"],["P1 S002 — §533A.9 section PDF","https://www.legis.iowa.gov/docs/code/2026/533A.9.pdf","Freshly checked for exact completed-settlement clauses and footer.","Complete two-page section; footer dated December 12, 2025. Existing S002 retained, not duplicated. \nIowa Legislature\n+1"],["P1 S004 — IDOB verification page","https://idob.iowa.gov/finance/finance-license-verification","Freshly checked for the NMLS route and operational expiration table.","Procedure only; no provider search or license result. \nIowa Division of Banking"],["Federal timing comparator only","https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4","Freshly opened only to confirm the distinct first-customer-payment language in §310.4(a)(5)(i)(B).","P1 S006’s original Cornell provenance remains unchanged. No federal coverage, exception, CROA, §310.2, or §310.6 reanalysis was performed. \neCFR"]]},{"headers":["Corrective claim ID","Corrective assertion","Evidence and qualification"],"index":2,"links":[{"href":"https://www.legis.iowa.gov/docs/iac/agency/10-14-2026.187.pdf","text":"Iowa Legislature"},{"href":"https://www.legis.iowa.gov/docs/iac/agency/10-14-2026.187.pdf","text":"Iowa Legislature\n+1"},{"href":"https://www.legis.iowa.gov/docs/iac/agency/10-14-2026.187.pdf","text":"Iowa Legislature\n+1"},{"href":"https://rules.iowa.gov/Notice/Details/0368D","text":"Iowa Administrative Rules\n+2"}],"row_links":[[],[{"href":"https://www.legis.iowa.gov/docs/iac/agency/10-14-2026.187.pdf","text":"Iowa Legislature"}],[{"href":"https://www.legis.iowa.gov/docs/iac/agency/10-14-2026.187.pdf","text":"Iowa Legislature\n+1"}],[{"href":"https://www.legis.iowa.gov/docs/iac/agency/10-14-2026.187.pdf","text":"Iowa Legislature\n+1"}],[{"href":"https://rules.iowa.gov/Notice/Details/0368D","text":"Iowa Administrative Rules\n+2"}],[]],"rows":[["Corrective claim ID","Corrective assertion","Evidence and qualification"],["S_IA-P2-C001","The official October 14, 2026 Agency 187 compilation contains an existing 187—20.1 definition requiring all payments necessary to satisfy the debt to have been remitted to the creditor before a settlement is “completed” under that phrase.","S_IA-P2-S001, printed p.1/PDF index 68/lines 2655–2664. Compilation-date and later-amendment limits preserved. \nIowa Legislature"],["S_IA-P2-C002","The existing rule, not merely ARC 0368D, supplies the full-remittance assumption for P1’s completed-settlement fee branches.","S_IA-P2-S001 and P1 S002 §533A.9(4)(b)(1)–(2). No change to formulas or results. \nIowa Legislature\n+1"],["S_IA-P2-C003","Iowa’s compiled rule qualifies the generic December 31 expiration description with the November 1–January 1 issuance window and separately requires timely, complete renewal to remain authorized.","S_IA-P2-S001, 20.3(6), printed p.1/index 68/lines 2692–2695; 20.5(1)–(4), p.2/index 69/lines 2708–2729. No provider status established. \nIowa Legislature\n+1"],["S_IA-P2-C004","ARC 0368D’s identity and unresolved final status are separate from the existence of the older compiled Chapter 20 text.","P1 S005; Banking Division status page; S_IA-P2-S001. No adoption, withdrawal, or nonadoption inference. \nIowa Administrative Rules\n+2"],["S_IA-P2-C005","PASS-02 narrows the old-rules-text gap only. It does not verify complete Iowa compliance, a particular contract, or any provider’s authority.","S_IA-P2-S001; P1 S001–S006. Provider, contract, post-compilation, case-law, federal, local, tribal, and later-pass holds remain."]]},{"headers":["Existing P1 coverage row or example","Corrected status","PASS-02 linkage","Remaining exact hold"],"index":3,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Existing P1 coverage row or example","Corrected status","PASS-02 linkage","Remaining exact hold"],["Percent-of-total-debt collection","Partial — narrowed","C009; P2-C001–C002; E03","The pro-rata completed-settlement branch now carries the full-remittance assumption. Earlier installments, federal timing, actual performance, contract terms, and prior-fee allocation remain unresolved."],["Percent-of-savings collection","Partial — narrowed","C010; P2-C001–C002; E04–E05","The completed-settlement calculation now carries the full-remittance assumption. The legality of earlier $50 collections, credits, federal timing, and actual earning remains held."],["Partial-settlement allocation","Partial — narrowed","C009–C010; E03–E05","“Completed” is clarified; the formulas are unchanged. No finding that one creditor payment, one customer payment, or creditor acceptance alone satisfies the Iowa full-remittance definition."],["Cancellation/refunds","Partial — unchanged except assumption clarification","C011 with corrected C009–C010; E06–E07","E06 assumed no completed settlement and is unchanged. In E07, use of the completed-settlement branch requires full remittance. The interaction between the completed-settlement amount, scheduled-installment retention, prior collections, and refund remains held; the figures must not simply be added."],["Public license lookup","Answered as procedure, with expiry qualification","C016; P2-C003","NMLS route and general December 31 description preserved; issuance-window and renewal conditions added. No named-provider result."],["Named-provider authorization","Unresolved","C021, corrected C016 and C025","Actual NMLS/Iowa record, active status, company/branch scope, renewal, and authority to operate remain unverified."],["Administrative Chapter 20 currency","Partial — materially narrowed","Corrected C018, C023, C025; P2-C001, C004–C005","Official Chapter 20 text in the October 14, 2026 compilation was read. Final ARC 0368D disposition, changes after October 14, original adoption-order history, and controlling interpretations remain held."],["Federal TSR timing","Partial — no scope expansion","Corrected C024; P2-C002","Iowa full remittance and conditional TSR first customer payment are distinct. Full TSR applicability, §310.2/§310.6 exceptions, CROA, channel facts, and credit-repair overlap remain held."],["Post-compilation statutory/rule currentness","Unresolved","C022, corrected C025","No post-compilation session-law bill-status audit and no later-than-October-14 rule-change audit were completed."],["Complete licensing and contract compliance","Unresolved","Corrected C025","Current NMLS company/branch checklists, system charges, provider records, actual contract, settlement evidence, accounting records, case law, and agency interpretations remain required."]]}],"claims":[{"claim_id":"S_IA-P2-C001","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Corrective claim ID":"S_IA-P2-C001","Corrective assertion":"The official October 14, 2026 Agency 187 compilation contains an existing 187—20.1 definition requiring all payments necessary to satisfy the debt to have been remitted to the creditor before a settlement is “completed” under that phrase.","Evidence and qualification":"S_IA-P2-S001, printed p.1/PDF index 68/lines 2655–2664. Compilation-date and later-amendment limits preserved. \nIowa Legislature"},"coordinator_verification_status":"scoped_support_with_explicit_limits","coordinator_review":"[internal evidence reference]","coordinator_provenance_date_resolution":"P2 actual access October25 PDT from observed launch/capture; exact source-fetch time unknown. Raw date text preserved; P3 patch applies.","provenance_resolution_pass":"pass-03"},{"claim_id":"S_IA-P2-C002","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Corrective claim ID":"S_IA-P2-C002","Corrective assertion":"The existing rule, not merely ARC 0368D, supplies the full-remittance assumption for P1’s completed-settlement fee branches.","Evidence and qualification":"S_IA-P2-S001 and P1 S002 §533A.9(4)(b)(1)–(2). No change to formulas or results. \nIowa Legislature\n+1"},"coordinator_verification_status":"scoped_support_with_explicit_limits","coordinator_review":"[internal evidence reference]","coordinator_provenance_date_resolution":"P2 actual access October25 PDT from observed launch/capture; exact source-fetch time unknown. Raw date text preserved; P3 patch applies.","provenance_resolution_pass":"pass-03"},{"claim_id":"S_IA-P2-C003","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Corrective claim ID":"S_IA-P2-C003","Corrective assertion":"Iowa’s compiled rule qualifies the generic December 31 expiration description with the November 1–January 1 issuance window and separately requires timely, complete renewal to remain authorized.","Evidence and qualification":"S_IA-P2-S001, 20.3(6), printed p.1/index 68/lines 2692–2695; 20.5(1)–(4), p.2/index 69/lines 2708–2729. No provider status established. \nIowa Legislature\n+1"},"coordinator_verification_status":"qualified_by_pass03_with_remaining_provider_and_currentness_holds","coordinator_review":"[internal evidence reference]","coordinator_provenance_date_resolution":"P2 actual access October25 PDT from observed launch/capture; exact source-fetch time unknown. Raw date text preserved; P3 patch applies.","provenance_resolution_pass":"pass-03"},{"claim_id":"S_IA-P2-C004","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Corrective claim ID":"S_IA-P2-C004","Corrective assertion":"ARC 0368D’s identity and unresolved final status are separate from the existence of the older compiled Chapter 20 text.","Evidence and qualification":"P1 S005; Banking Division status page; S_IA-P2-S001. No adoption, withdrawal, or nonadoption inference. \nIowa Administrative Rules\n+2"},"coordinator_verification_status":"scoped_support_with_explicit_limits","coordinator_review":"[internal evidence reference]","coordinator_provenance_date_resolution":"P2 actual access October25 PDT from observed launch/capture; exact source-fetch time unknown. Raw date text preserved; P3 patch applies.","provenance_resolution_pass":"pass-03"},{"claim_id":"S_IA-P2-C005","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Corrective claim ID":"S_IA-P2-C005","Corrective assertion":"PASS-02 narrows the old-rules-text gap only. It does not verify complete Iowa compliance, a particular contract, or any provider’s authority.","Evidence and qualification":"S_IA-P2-S001; P1 S001–S006. Provider, contract, post-compilation, case-law, federal, local, tribal, and later-pass holds remain."},"coordinator_verification_status":"scoped_support_with_explicit_limits","coordinator_review":"[internal evidence reference]","coordinator_provenance_date_resolution":"P2 actual access October25 PDT from observed launch/capture; exact source-fetch time unknown. Raw date text preserved; P3 patch applies.","provenance_resolution_pass":"pass-03"}],"sources":[{"source_id":"S_IA-P2-S001","urls":["https://www.legis.iowa.gov/docs/iac/agency/10-14-2026.187.pdf"],"researcher_record":{"Identity or route":"New S_IA-P2-S001 — Agency 187 PDF","Direct literal URL":"https://www.legis.iowa.gov/docs/iac/agency/10-14-2026.187.pdf","Actual use in PASS-02":"Freshly read all of Chapter 20: printed pp.1–5, PDF indices 68–72, parsed lines 2652–2897.","Status and limitation":"Substantive new authority for 20.1, 20.3(6), and 20.5. The full 75-page agency document was not read. Chapter footer is IAC 2/5/25; source note states effective 11/14/18. \nIowa Legislature\n+4"},"coordinator_verification_status":"scoped_source_support_access_date_correction_required","id_normalization":"Explicit visible ID/scoped alias retained; U identifiers are administrative usage/route records, NOT invented substantive document identities. Source counts are usages, not independent authorities.","visible_table_index":1,"visible_row_index":1,"coordinator_review":"[internal evidence reference]","coordinator_provenance_date_resolution":"P2 actual access October25 PDT from observed launch/capture; exact source-fetch time unknown. Raw date text preserved; P3 patch applies.","provenance_resolution_pass":"pass-03"},{"source_id":"S_IA-P2-U002","urls":["https://www.legis.iowa.gov/law/administrativeRules/chapters?agency=187"],"researcher_record":{"Identity or route":"Official Agency 187 index/locator","Direct literal URL":"https://www.legis.iowa.gov/law/administrativeRules/chapters?agency=187","Actual use in PASS-02":"Freshly read. Establishes the official index label “Iowa Administrative Code — 10/14/2026,” Agency PDF route, and Chapter 20 listing.","Status and limitation":"Locator for S_IA-P2-S001; not assigned a duplicative substantive document ID. \nIowa Legislature\n+1"},"coordinator_verification_status":"scoped_source_support_access_date_correction_required","id_normalization":"Explicit visible ID/scoped alias retained; U identifiers are administrative usage/route records, NOT invented substantive document identities. Source counts are usages, not independent authorities.","visible_table_index":1,"visible_row_index":2,"coordinator_review":"[internal evidence reference]","coordinator_provenance_date_resolution":"P2 actual access October25 PDT from observed launch/capture; exact source-fetch time unknown. Raw date text preserved; P3 patch applies.","provenance_resolution_pass":"pass-03"},{"source_id":"S_IA-P2-U003","urls":["https://www.legis.iowa.gov/law/administrativeRules/rules?agency=187&chapter=20&pubDate=10-14-2026"],"researcher_record":{"Identity or route":"Individual Chapter 20 rule-list route","Direct literal URL":"https://www.legis.iowa.gov/law/administrativeRules/rules?agency=187&chapter=20&pubDate=10-14-2026","Actual use in PASS-02":"The coordinator previously reported a cache miss. Fresh PASS-02 access returned a rule-listing page, including the October 14, 2026 heading and rule names, but not the operative rule bodies.","Status and limitation":"No substantive reliance; Agency PDF supplies the actual text. A failed or listing-only HTML route is not generalized into a claim that the rules were unread. \nIowa Legislature"},"coordinator_verification_status":"scoped_source_support_access_date_correction_required","id_normalization":"Explicit visible ID/scoped alias retained; U identifiers are administrative usage/route records, NOT invented substantive document identities. Source counts are usages, not independent authorities.","visible_table_index":1,"visible_row_index":3,"coordinator_review":"[internal evidence reference]","coordinator_provenance_date_resolution":"P2 actual access October25 PDT from observed launch/capture; exact source-fetch time unknown. Raw date text preserved; P3 patch applies.","provenance_resolution_pass":"pass-03"},{"source_id":"S_IA-P1-S005","urls":["https://rules.iowa.gov/Notice/Details/0368D"],"researcher_record":{"Identity or route":"P1 S005 — ARC 0368D","Direct literal URL":"https://rules.iowa.gov/Notice/Details/0368D","Actual use in PASS-02":"S005 remains unchanged. Coordinator-provided provenance records a complete 260-line read; PASS-02 freshly checked the notice identity, proposed 20.1, renewal provisions, publication date, and closed-comment status.","Status and limitation":"Notice published June 10, 2026; comments closed July 14, 2026. It remains a proposal in the routes checked; no final-disposition inference. \nIowa Administrative Rules\n+3"},"coordinator_verification_status":"scoped_source_support_access_date_correction_required","id_normalization":"Explicit visible ID/scoped alias retained; U identifiers are administrative usage/route records, NOT invented substantive document identities. Source counts are usages, not independent authorities.","visible_table_index":1,"visible_row_index":4,"coordinator_review":"[internal evidence reference]","coordinator_provenance_date_resolution":"P2 actual access October25 PDT from observed launch/capture; exact source-fetch time unknown. Raw date text preserved; P3 patch applies.","provenance_resolution_pass":"pass-03"},{"source_id":"S_IA-P2-U005","urls":["https://rules.iowa.gov/Organization/Details/banking-division"],"researcher_record":{"Identity or route":"Banking Division rulemaking status route","Direct literal URL":"https://rules.iowa.gov/Organization/Details/banking-division","Actual use in PASS-02":"Freshly checked for bounded status qualification.","Status and limitation":"ARC 0368D is displayed as “Notice of Intended Action”; other entries’ adopted status does not prove this proposal’s disposition. \nIowa Administrative Rules"},"coordinator_verification_status":"scoped_source_support_access_date_correction_required","id_normalization":"Explicit visible ID/scoped alias retained; U identifiers are administrative usage/route records, NOT invented substantive document identities. Source counts are usages, not independent authorities.","visible_table_index":1,"visible_row_index":5,"coordinator_review":"[internal evidence reference]","coordinator_provenance_date_resolution":"P2 actual access October25 PDT from observed launch/capture; exact source-fetch time unknown. Raw date text preserved; P3 patch applies.","provenance_resolution_pass":"pass-03"},{"source_id":"S_IA-P1-S001","urls":["https://www.legis.iowa.gov/docs/ico/chapter/533A.pdf","https://www.legis.iowa.gov/docs/code/2026/533A.pdf"],"researcher_record":{"Identity or route":"P1 S001 dynamic and dated Chapter 533A routes","Direct literal URL":"https://www.legis.iowa.gov/docs/ico/chapter/533A.pdf | https://www.legis.iowa.gov/docs/code/2026/533A.pdf","Actual use in PASS-02":"Both freshly opened. Each rendered a 14-page Iowa Code 2026 Chapter 533A with a December 9, 2025 footer.","Status and limitation":"No new source ID and no byte-identity assertion. They remain two observed routes to the same underlying statutory chapter. \nIowa Legislature\n+1"},"coordinator_verification_status":"scoped_source_support_access_date_correction_required","id_normalization":"Explicit visible ID/scoped alias retained; U identifiers are administrative usage/route records, NOT invented substantive document identities. Source counts are usages, not independent authorities.","visible_table_index":1,"visible_row_index":6,"coordinator_review":"[internal evidence reference]","coordinator_provenance_date_resolution":"P2 actual access October25 PDT from observed launch/capture; exact source-fetch time unknown. Raw date text preserved; P3 patch applies.","provenance_resolution_pass":"pass-03"},{"source_id":"S_IA-P1-S002","urls":["https://www.legis.iowa.gov/docs/code/2026/533A.9.pdf"],"researcher_record":{"Identity or route":"P1 S002 — §533A.9 section PDF","Direct literal URL":"https://www.legis.iowa.gov/docs/code/2026/533A.9.pdf","Actual use in PASS-02":"Freshly checked for exact completed-settlement clauses and footer.","Status and limitation":"Complete two-page section; footer dated December 12, 2025. Existing S002 retained, not duplicated. \nIowa Legislature\n+1"},"coordinator_verification_status":"scoped_source_support_access_date_correction_required","id_normalization":"Explicit visible ID/scoped alias retained; U identifiers are administrative usage/route records, NOT invented substantive document identities. Source counts are usages, not independent authorities.","visible_table_index":1,"visible_row_index":7,"coordinator_review":"[internal evidence reference]","coordinator_provenance_date_resolution":"P2 actual access October25 PDT from observed launch/capture; exact source-fetch time unknown. Raw date text preserved; P3 patch applies.","provenance_resolution_pass":"pass-03"},{"source_id":"S_IA-P1-S004","urls":["https://idob.iowa.gov/finance/finance-license-verification"],"researcher_record":{"Identity or route":"P1 S004 — IDOB verification page","Direct literal URL":"https://idob.iowa.gov/finance/finance-license-verification","Actual use in PASS-02":"Freshly checked for the NMLS route and operational expiration table.","Status and limitation":"Procedure only; no provider search or license result. \nIowa Division of Banking"},"coordinator_verification_status":"scoped_source_support_access_date_correction_required","id_normalization":"Explicit visible ID/scoped alias retained; U identifiers are administrative usage/route records, NOT invented substantive document identities. Source counts are usages, not independent authorities.","visible_table_index":1,"visible_row_index":8,"coordinator_review":"[internal evidence reference]","coordinator_provenance_date_resolution":"P2 actual access October25 PDT from observed launch/capture; exact source-fetch time unknown. Raw date text preserved; P3 patch applies.","provenance_resolution_pass":"pass-03"},{"source_id":"S_IA-P2-U009","urls":["https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4"],"researcher_record":{"Identity or route":"Federal timing comparator only","Direct literal URL":"https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4","Actual use in PASS-02":"Freshly opened only to confirm the distinct first-customer-payment language in §310.4(a)(5)(i)(B).","Status and limitation":"P1 S006’s original Cornell provenance remains unchanged. No federal coverage, exception, CROA, §310.2, or §310.6 reanalysis was performed. \neCFR"},"coordinator_verification_status":"scoped_source_support_access_date_correction_required","id_normalization":"Explicit visible ID/scoped alias retained; U identifiers are administrative usage/route records, NOT invented substantive document identities. Source counts are usages, not independent authorities.","visible_table_index":1,"visible_row_index":9,"coordinator_review":"[internal evidence reference]","coordinator_provenance_date_resolution":"P2 actual access October25 PDT from observed launch/capture; exact source-fetch time unknown. Raw date text preserved; P3 patch applies.","provenance_resolution_pass":"pass-03"}],"coverage":[{"topic":"Percent-of-total-debt collection","researcher_record":{"Existing P1 coverage row or example":"Percent-of-total-debt collection","Corrected status":"Partial — narrowed","PASS-02 linkage":"C009; P2-C001–C002; E03","Remaining exact hold":"The pro-rata completed-settlement branch now carries the full-remittance assumption. Earlier installments, federal timing, actual performance, contract terms, and prior-fee allocation remain unresolved."},"coordinator_acceptance":"bounded_patch_reviewed_correction_remaining","coordinator_review":"[internal evidence reference]"},{"topic":"Percent-of-savings collection","researcher_record":{"Existing P1 coverage row or example":"Percent-of-savings collection","Corrected status":"Partial — narrowed","PASS-02 linkage":"C010; P2-C001–C002; E04–E05","Remaining exact hold":"The completed-settlement calculation now carries the full-remittance assumption. The legality of earlier $50 collections, credits, federal timing, and actual earning remains held."},"coordinator_acceptance":"bounded_patch_reviewed_correction_remaining","coordinator_review":"[internal evidence reference]"},{"topic":"Partial-settlement allocation","researcher_record":{"Existing P1 coverage row or example":"Partial-settlement allocation","Corrected status":"Partial — narrowed","PASS-02 linkage":"C009–C010; E03–E05","Remaining exact hold":"“Completed” is clarified; the formulas are unchanged. No finding that one creditor payment, one customer payment, or creditor acceptance alone satisfies the Iowa full-remittance definition."},"coordinator_acceptance":"bounded_patch_reviewed_correction_remaining","coordinator_review":"[internal evidence reference]"},{"topic":"Cancellation/refunds","researcher_record":{"Existing P1 coverage row or example":"Cancellation/refunds","Corrected status":"Partial — unchanged except assumption clarification","PASS-02 linkage":"C011 with corrected C009–C010; E06–E07","Remaining exact hold":"E06 assumed no completed settlement and is unchanged. In E07, use of the completed-settlement branch requires full remittance. The interaction between the completed-settlement amount, scheduled-installment retention, prior collections, and refund remains held; the figures must not simply be added."},"coordinator_acceptance":"bounded_patch_reviewed_correction_remaining","coordinator_review":"[internal evidence reference]"},{"topic":"Public license lookup","researcher_record":{"Existing P1 coverage row or example":"Public license lookup","Corrected status":"Answered as procedure, with expiry qualification","PASS-02 linkage":"C016; P2-C003","Remaining exact hold":"NMLS route and general December 31 description preserved; issuance-window and renewal conditions added. No named-provider result."},"coordinator_acceptance":"bounded_patch_reviewed_correction_remaining","coordinator_review":"[internal evidence reference]"},{"topic":"Named-provider authorization","researcher_record":{"Existing P1 coverage row or example":"Named-provider authorization","Corrected status":"Unresolved","PASS-02 linkage":"C021, corrected C016 and C025","Remaining exact hold":"Actual NMLS/Iowa record, active status, company/branch scope, renewal, and authority to operate remain unverified."},"coordinator_acceptance":"bounded_patch_reviewed_correction_remaining","coordinator_review":"[internal evidence reference]"},{"topic":"Administrative Chapter 20 currency","researcher_record":{"Existing P1 coverage row or example":"Administrative Chapter 20 currency","Corrected status":"Partial — materially narrowed","PASS-02 linkage":"Corrected C018, C023, C025; P2-C001, C004–C005","Remaining exact hold":"Official Chapter 20 text in the October 14, 2026 compilation was read. Final ARC 0368D disposition, changes after October 14, original adoption-order history, and controlling interpretations remain held."},"coordinator_acceptance":"bounded_patch_reviewed_correction_remaining","coordinator_review":"[internal evidence reference]"},{"topic":"Federal TSR timing","researcher_record":{"Existing P1 coverage row or example":"Federal TSR timing","Corrected status":"Partial — no scope expansion","PASS-02 linkage":"Corrected C024; P2-C002","Remaining exact hold":"Iowa full remittance and conditional TSR first customer payment are distinct. Full TSR applicability, §310.2/§310.6 exceptions, CROA, channel facts, and credit-repair overlap remain held."},"coordinator_acceptance":"bounded_patch_reviewed_correction_remaining","coordinator_review":"[internal evidence reference]"},{"topic":"Post-compilation statutory/rule currentness","researcher_record":{"Existing P1 coverage row or example":"Post-compilation statutory/rule currentness","Corrected status":"Unresolved","PASS-02 linkage":"C022, corrected C025","Remaining exact hold":"No post-compilation session-law bill-status audit and no later-than-October-14 rule-change audit were completed."},"coordinator_acceptance":"bounded_patch_reviewed_correction_remaining","coordinator_review":"[internal evidence reference]"},{"topic":"Complete licensing and contract compliance","researcher_record":{"Existing P1 coverage row or example":"Complete licensing and contract compliance","Corrected status":"Unresolved","PASS-02 linkage":"Corrected C025","Remaining exact hold":"Current NMLS company/branch checklists, system charges, provider records, actual contract, settlement evidence, accounting records, case law, and agency interpretations remain required."},"coordinator_acceptance":"bounded_patch_reviewed_correction_remaining","coordinator_review":"[internal evidence reference]"}],"annotations":{},"corrections":[],"resolved_corrections":[],"review_history":[]}