{"meta":{"key":"s_ia--pass-03","task":"S_IA","title":"Bounded provenance and renewal-wording correction to saved","parent_title":"Iowa debt and debt relief law","edition":"pass-03","path":"/research/s_ia--pass-03/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-26","tables":5,"claims":2,"sources":1,"review_status":"accepted_with_limits","review_complete":true,"sha256":"24604088416e09b78b4d1a42d807815bf0fa2ae182e3424fbb2733e72cdf53b0","headings":["Bounded provenance and renewal-wording correction to saved PASS-02","1. Provenance patch","2. Minimal replacement for S_IA-P1-C016 / C016","3. Minimal replacement for S_IA-P2-C003","4. Minimal replacement for the linked coverage wording","5. Narrow source-use record for the fresh Rule 20.5 check","6. Preserved holds","7. Researcher self-check"],"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-03","facets":{"geography":["us","us-ia"],"debt_type":[],"stage":[],"subject":["research-quality"]},"scope":"Only P2 actual-access-date provenance and explicit rule20.5 renewal alternate/expiry conditions","pending_corrections":0},"markdown":"# SettleADebt S_IA PASS-03\n\n## Bounded provenance and renewal-wording correction to saved PASS-02\n\n**Scope:** Only the PASS-02 access-date provenance and the omitted Rule 20.5 late-filing branch are corrected. PASS-01 and PASS-02 remain immutable except for the replacement wording below. This is a same-coordinator scoped correction, **not independent review**.\n\n## 1. Provenance patch\n\n| Field | Old PASS-02 wording or effect | Precise replacement | Actual evidence / limitation |\n| --- | --- | --- | --- |\n| **PASS-02 header — actual access date** | “Actual access date: October 24, 2026, Pacific” | **“Actual access date: October 25, 2026, Pacific.”** | The coordinator-recorded P2 launch was 2026-10-26T01:56:40.159Z, and the complete capture was 2026-10-26T02:05:00.324Z. Those correspond to **October 25, 2026, 6:56:40.159 PM–7:05:00.324 PM PDT**. This is the coordinator-observed P2 run/capture interval, not a recovered log of each individual source-fetch time. |\n| **PASS-02 source-use table** | Under the erroneous October 24 header, entries described sources as “freshly read,” “freshly checked,” or “freshly opened.” | Each such PASS-02 source-use label is qualified as: **“Freshly accessed during the October 25, 2026 Pacific PASS-02 run; exact per-source fetch time not independently recovered.”** | No claim is made that any P2 access occurred on October 24. |\n| **PASS-02 researcher self-check** | The “Freshly read in PASS-02” section inherited the erroneous October 24 date from the header. | Read that section as identifying material freshly accessed **October 25, 2026 Pacific** during the coordinator-observed P2 run/capture interval. | The listed read/not-read boundaries remain unchanged. |\n| **PASS-01 dates and current-law qualifiers** | Existing P1 dates and qualifications | **No change.** | This patch does not infer, replace, or correct any P1 access date. |\n| **Document, compilation and legal-history dates** | October 14, 2026 Agency 187 compilation; IAC 2/5/25 chapter footer; ARC 4061C/IAB 10/10/18/effective 11/14/18 | **No change.** | These are document or legal-history dates, not the PASS-02 access date. |\n\n## 2. Minimal replacement for S_IA-P1-C016 / C016\n\n| Stable claim alias | Precise replacement assertion | Evidence and pinpoint | Confidence / limitation |\n| --- | --- | --- | --- |\n| **S_IA-P1-C016 / C016** | The Iowa Division of Banking provides an NMLS Consumer Access route and operationally displays “Debt Management — December 31.” Existing Rule 20.3(6) qualifies that expiration description: a license ordinarily expires on the next December 31 after issuance, while a license granted on or after November 1 but before January 1 does not expire until December 31 of the following year. Under Rule 20.5, a licensee must renew before expiration to remain authorized. The ordinary renewal-application submission date is December 1, and the superintendent may assess late fees of up to $10 per day for an application submitted and accepted for processing after December 1. Rule 20.5(3)(a) expressly provides a second, grant-eligible filing branch when the application is submitted **after December 1 but before January 1** with the appropriate renewal fee and appropriate late fee. Under either branch, the application must also be fully complete, include all necessary information, and reveal no ground for denial. Filing after December 1 does not by itself renew the license or authorize operation after expiration. After December 31, the superintendent may reject the application for processing or treat it as a new-license application; a licensee that has not renewed before expiration is not authorized to operate afterward. | P1 S004, preserved License Verification observations; S_IA-P2-S001, Rule 20.3(6), printed p.1/PDF index 68/parsed lines 2692–2695; Rule 20.5(1)–(4), printed p.2/PDF index 69/parsed lines 2708–2729. The official text states the December 1 route, the post-December-1/pre-January-1 route, completeness and denial conditions, and the no-operation-after-expiry limitation. [Iowa Legislature+1](https://www.legis.iowa.gov/docs/iac/agency/10-14-2026.187.pdf) | High for the text in the official October 14, 2026 Agency 187 compilation. No named provider record, issuance, renewal decision, active status, branch authority, actual expiration date, or post-October-14 change was verified. |\n\n## 3. Minimal replacement for S_IA-P2-C003\n\n| Corrective claim alias | Precise replacement |\n| --- | --- |\n| **S_IA-P2-C003** | The existing compiled rule qualifies the general December 31 expiration description and establishes two filing-and-fee branches potentially supporting renewal: **(1)** application and the appropriate renewal fee by December 1; or **(2)** application after December 1 but before January 1 with the appropriate renewal fee and appropriate late fee. In either case, the application must be fully completed, include all necessary information, and reveal no ground for denial. The post-December-1 branch is not an automatic extension or automatic renewal. Rule 20.5 separately requires renewal before expiration to remain authorized, and a licensee that has not renewed may not operate after expiration. Applications submitted after December 31 may be rejected for processing or treated as new-license applications at the superintendent’s discretion. [Iowa Legislature+1](https://www.legis.iowa.gov/docs/iac/agency/10-14-2026.187.pdf) |\n\n**Replacement evidence:** S_IA-P2-S001, 187—20.5(1)–(4), Chapter 20 printed p.2, PDF index 69, parsed lines 2708–2729.\n\n## 4. Minimal replacement for the linked coverage wording\n\n| Existing PASS-02 coverage row | Corrected wording |\n| --- | --- |\n| **Public license lookup — Answered as procedure, with expiry qualification** | **Answered as procedure, with expiration and renewal-path qualification.** Preserve the NMLS route and general December 31 description; preserve Rule 20.3(6)’s November 1–before-January 1 issuance exception. Rule 20.5 ordinarily calls for submission by December 1 but also provides a post-December-1/pre-January-1 branch requiring the renewal fee and appropriate late fee, together with a fully complete application and no denial grounds. The late-filing branch does not itself renew the license or permit operation after expiration. No named-provider result, actual renewal, active status, or provider-specific expiration date was established. [Iowa Legislature+1](https://www.legis.iowa.gov/docs/iac/agency/10-14-2026.187.pdf) |\n\n## 5. Narrow source-use record for the fresh Rule 20.5 check\n\n| Source | PASS-03 actual use | Version and pinpoint | Limitation |\n| --- | --- | --- | --- |\n| **S_IA-P2-S001 — Iowa Administrative Code, Banking Division [187], official Agency PDF** | Freshly opened and checked during PASS-03 on **October 25, 2026 Pacific**. Rule 20.5 was reviewed in parsed text and in the rendered page image. | Official Agency 187 PDF dated October 14, 2026; Chapter 20 printed p.2/PDF index 69; parsed lines 2708–2729. The rendered page shows the IAC 2/5/25 footer and the ARC 4061C source note stating IAB 10/10/18, effective 11/14/18. [Iowa Legislature+1](https://www.legis.iowa.gov/docs/iac/agency/10-14-2026.187.pdf) | This fresh check verifies only the text in the identified compilation. It does not establish changes after October 14, 2026, a provider’s renewal status, an agency decision on a particular application, or the full rulemaking history. |\n\n## 6. Preserved holds\n\nAll other PASS-01 and PASS-02 findings, examples, arithmetic, source qualifications and unresolved issues remain unchanged. In particular, this patch does not resolve or expand:\n\n- Final disposition of ARC 0368D or changes after the October 14, 2026 compilation.\n- Post-compilation Iowa legislation.\n- Any provider’s company or branch license, renewal, active status or authority to operate.\n- Current complete NMLS checklists, system charges, contracts, performance records or accounting ledgers.\n- State fee entitlement, federal TSR applicability, CROA, credit-repair overlap or sales-channel facts.\n- The separate records-retention reconciliation.\n- Local, tribal, secured-debt, collections, remedies, limitations, litigation or other later-pass categories.\n\n## 7. Researcher self-check\n\nThe **PASS-02 date correction** rests on coordinator-supplied run metadata: launch at 2026-10-26T01:56:40.159Z and complete capture at 2026-10-26T02:05:00.324Z. Those timestamps place the P2 run on **October 25, 2026 in America/Los_Angeles**. Exact individual P2 source-fetch timestamps were not independently recovered and are not invented.\n\nThe **fresh PASS-03 source check** was separately performed on October 25, 2026 Pacific. Only the official Agency 187 PDF and the exact Rule 20.5 passage were checked. The parsed text and rendered page confirm:\n\n- Renewal before expiration is required to remain authorized.\n- December 1 is the ordinary application date.\n- Late fees of up to $10 per day may be assessed for applications submitted and accepted after December 1.\n- An application submitted after December 1 but before January 1 can satisfy the filing-and-fee branch when accompanied by the appropriate renewal and late fees.\n- Completeness and absence of denial grounds remain required.\n- No authority to operate continues after expiration merely because a late application was filed. [Iowa Legislature+1](https://www.legis.iowa.gov/docs/iac/agency/10-14-2026.187.pdf)\n\nNo examples or numerical quantities were rerun. No P1 access date was changed. No provider record was searched. No broader licensing, fee, bond, recordkeeping, federal, local or tribal research was performed. This remains a bounded same-coordinator correction, **not independent review**.\n\n**END S_IA PASS-03**\n\n","tables":[{"headers":["Field","Old PASS-02 wording or effect","Precise replacement","Actual evidence / limitation"],"index":0,"links":[],"row_links":[[],[],[],[],[],[]],"rows":[["Field","Old PASS-02 wording or effect","Precise replacement","Actual evidence / limitation"],["PASS-02 header — actual access date","“Actual access date: October 24, 2026, Pacific”","“Actual access date: October 25, 2026, Pacific.”","The coordinator-recorded P2 launch was 2026-10-26T01:56:40.159Z, and the complete capture was 2026-10-26T02:05:00.324Z. Those correspond to October 25, 2026, 6:56:40.159 PM–7:05:00.324 PM PDT. This is the coordinator-observed P2 run/capture interval, not a recovered log of each individual source-fetch time."],["PASS-02 source-use table","Under the erroneous October 24 header, entries described sources as “freshly read,” “freshly checked,” or “freshly opened.”","Each such PASS-02 source-use label is qualified as: “Freshly accessed during the October 25, 2026 Pacific PASS-02 run; exact per-source fetch time not independently recovered.”","No claim is made that any P2 access occurred on October 24."],["PASS-02 researcher self-check","The “Freshly read in PASS-02” section inherited the erroneous October 24 date from the header.","Read that section as identifying material freshly accessed October 25, 2026 Pacific during the coordinator-observed P2 run/capture interval.","The listed read/not-read boundaries remain unchanged."],["PASS-01 dates and current-law qualifiers","Existing P1 dates and qualifications","No change.","This patch does not infer, replace, or correct any P1 access date."],["Document, compilation and legal-history dates","October 14, 2026 Agency 187 compilation; IAC 2/5/25 chapter footer; ARC 4061C/IAB 10/10/18/effective 11/14/18","No change.","These are document or legal-history dates, not the PASS-02 access date."]]},{"headers":["Stable claim alias","Precise replacement assertion","Evidence and pinpoint","Confidence / limitation"],"index":1,"links":[{"href":"https://www.legis.iowa.gov/docs/iac/agency/10-14-2026.187.pdf","text":"Iowa Legislature\n+1"}],"row_links":[[],[{"href":"https://www.legis.iowa.gov/docs/iac/agency/10-14-2026.187.pdf","text":"Iowa Legislature\n+1"}]],"rows":[["Stable claim alias","Precise replacement assertion","Evidence and pinpoint","Confidence / limitation"],["S_IA-P1-C016 / C016","The Iowa Division of Banking provides an NMLS Consumer Access route and operationally displays “Debt Management — December 31.” Existing Rule 20.3(6) qualifies that expiration description: a license ordinarily expires on the next December 31 after issuance, while a license granted on or after November 1 but before January 1 does not expire until December 31 of the following year. Under Rule 20.5, a licensee must renew before expiration to remain authorized. The ordinary renewal-application submission date is December 1, and the superintendent may assess late fees of up to $10 per day for an application submitted and accepted for processing after December 1. Rule 20.5(3)(a) expressly provides a second, grant-eligible filing branch when the application is submitted after December 1 but before January 1 with the appropriate renewal fee and appropriate late fee. Under either branch, the application must also be fully complete, include all necessary information, and reveal no ground for denial. Filing after December 1 does not by itself renew the license or authorize operation after expiration. After December 31, the superintendent may reject the application for processing or treat it as a new-license application; a licensee that has not renewed before expiration is not authorized to operate afterward.","P1 S004, preserved License Verification observations; S_IA-P2-S001, Rule 20.3(6), printed p.1/PDF index 68/parsed lines 2692–2695; Rule 20.5(1)–(4), printed p.2/PDF index 69/parsed lines 2708–2729. The official text states the December 1 route, the post-December-1/pre-January-1 route, completeness and denial conditions, and the no-operation-after-expiry limitation. \nIowa Legislature\n+1","High for the text in the official October 14, 2026 Agency 187 compilation. No named provider record, issuance, renewal decision, active status, branch authority, actual expiration date, or post-October-14 change was verified."]]},{"headers":["Corrective claim alias","Precise replacement"],"index":2,"links":[{"href":"https://www.legis.iowa.gov/docs/iac/agency/10-14-2026.187.pdf","text":"Iowa Legislature\n+1"}],"row_links":[[],[{"href":"https://www.legis.iowa.gov/docs/iac/agency/10-14-2026.187.pdf","text":"Iowa Legislature\n+1"}]],"rows":[["Corrective claim alias","Precise replacement"],["S_IA-P2-C003","The existing compiled rule qualifies the general December 31 expiration description and establishes two filing-and-fee branches potentially supporting renewal: (1) application and the appropriate renewal fee by December 1; or (2) application after December 1 but before January 1 with the appropriate renewal fee and appropriate late fee. In either case, the application must be fully completed, include all necessary information, and reveal no ground for denial. The post-December-1 branch is not an automatic extension or automatic renewal. Rule 20.5 separately requires renewal before expiration to remain authorized, and a licensee that has not renewed may not operate after expiration. Applications submitted after December 31 may be rejected for processing or treated as new-license applications at the superintendent’s discretion. \nIowa Legislature\n+1"]]},{"headers":["Existing PASS-02 coverage row","Corrected wording"],"index":3,"links":[{"href":"https://www.legis.iowa.gov/docs/iac/agency/10-14-2026.187.pdf","text":"Iowa Legislature\n+1"}],"row_links":[[],[{"href":"https://www.legis.iowa.gov/docs/iac/agency/10-14-2026.187.pdf","text":"Iowa Legislature\n+1"}]],"rows":[["Existing PASS-02 coverage row","Corrected wording"],["Public license lookup — Answered as procedure, with expiry qualification","Answered as procedure, with expiration and renewal-path qualification. Preserve the NMLS route and general December 31 description; preserve Rule 20.3(6)’s November 1–before-January 1 issuance exception. Rule 20.5 ordinarily calls for submission by December 1 but also provides a post-December-1/pre-January-1 branch requiring the renewal fee and appropriate late fee, together with a fully complete application and no denial grounds. The late-filing branch does not itself renew the license or permit operation after expiration. No named-provider result, actual renewal, active status, or provider-specific expiration date was established. \nIowa Legislature\n+1"]]},{"headers":["Source","PASS-03 actual use","Version and pinpoint","Limitation"],"index":4,"links":[{"href":"https://www.legis.iowa.gov/docs/iac/agency/10-14-2026.187.pdf","text":"Iowa Legislature\n+1"}],"row_links":[[],[{"href":"https://www.legis.iowa.gov/docs/iac/agency/10-14-2026.187.pdf","text":"Iowa Legislature\n+1"}]],"rows":[["Source","PASS-03 actual use","Version and pinpoint","Limitation"],["S_IA-P2-S001 — Iowa Administrative Code, Banking Division [187], official Agency PDF","Freshly opened and checked during PASS-03 on October 25, 2026 Pacific. Rule 20.5 was reviewed in parsed text and in the rendered page image.","Official Agency 187 PDF dated October 14, 2026; Chapter 20 printed p.2/PDF index 69; parsed lines 2708–2729. The rendered page shows the IAC 2/5/25 footer and the ARC 4061C source note stating IAB 10/10/18, effective 11/14/18. \nIowa Legislature\n+1","This fresh check verifies only the text in the identified compilation. It does not establish changes after October 14, 2026, a provider’s renewal status, an agency decision on a particular application, or the full rulemaking history."]]}],"claims":[{"claim_id":"S_IA-C016","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Stable claim alias":"S_IA-P1-C016 / C016","Precise replacement assertion":"The Iowa Division of Banking provides an NMLS Consumer Access route and operationally displays “Debt Management — December 31.” Existing Rule 20.3(6) qualifies that expiration description: a license ordinarily expires on the next December 31 after issuance, while a license granted on or after November 1 but before January 1 does not expire until December 31 of the following year. Under Rule 20.5, a licensee must renew before expiration to remain authorized. The ordinary renewal-application submission date is December 1, and the superintendent may assess late fees of up to $10 per day for an application submitted and accepted for processing after December 1. Rule 20.5(3)(a) expressly provides a second, grant-eligible filing branch when the application is submitted after December 1 but before January 1 with the appropriate renewal fee and appropriate late fee. Under either branch, the application must also be fully complete, include all necessary information, and reveal no ground for denial. Filing after December 1 does not by itself renew the license or authorize operation after expiration. After December 31, the superintendent may reject the application for processing or treat it as a new-license application; a licensee that has not renewed before expiration is not authorized to operate afterward.","Evidence and pinpoint":"P1 S004, preserved License Verification observations; S_IA-P2-S001, Rule 20.3(6), printed p.1/PDF index 68/parsed lines 2692–2695; Rule 20.5(1)–(4), printed p.2/PDF index 69/parsed lines 2708–2729. The official text states the December 1 route, the post-December-1/pre-January-1 route, completeness and denial conditions, and the no-operation-after-expiry limitation. \nIowa Legislature\n+1","Confidence / limitation":"High for the text in the official October 14, 2026 Agency 187 compilation. No named provider record, issuance, renewal decision, active status, branch authority, actual expiration date, or post-October-14 change was verified."},"coordinator_verification_status":"bounded_replacement_supported_with_explicit_limits","coordinator_review":"[internal evidence reference]","id_normalization":"Stable prior claim ID, not a new substantive claim identity. Visible C016/P1 alias resolved to saved S_IA-C016; raw cells unchanged."},{"claim_id":"S_IA-P2-C003","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Corrective claim alias":"S_IA-P2-C003","Precise replacement":"The existing compiled rule qualifies the general December 31 expiration description and establishes two filing-and-fee branches potentially supporting renewal: (1) application and the appropriate renewal fee by December 1; or (2) application after December 1 but before January 1 with the appropriate renewal fee and appropriate late fee. In either case, the application must be fully completed, include all necessary information, and reveal no ground for denial. The post-December-1 branch is not an automatic extension or automatic renewal. Rule 20.5 separately requires renewal before expiration to remain authorized, and a licensee that has not renewed may not operate after expiration. Applications submitted after December 31 may be rejected for processing or treated as new-license applications at the superintendent’s discretion. \nIowa Legislature\n+1"},"coordinator_verification_status":"bounded_replacement_supported_with_explicit_limits","coordinator_review":"[internal evidence reference]","id_normalization":"Stable prior claim ID, not a new substantive claim identity. Visible C016/P1 alias resolved to saved S_IA-C016; raw cells unchanged."}],"sources":[{"source_id":"S_IA-P2-S001","urls":["https://www.legis.iowa.gov/docs/iac/agency/10-14-2026.187.pdf"],"researcher_record":{"Source":"S_IA-P2-S001 — Iowa Administrative Code, Banking Division [187], official Agency PDF","PASS-03 actual use":"Freshly opened and checked during PASS-03 on October 25, 2026 Pacific. Rule 20.5 was reviewed in parsed text and in the rendered page image.","Version and pinpoint":"Official Agency 187 PDF dated October 14, 2026; Chapter 20 printed p.2/PDF index 69; parsed lines 2708–2729. The rendered page shows the IAC 2/5/25 footer and the ARC 4061C source note stating IAB 10/10/18, effective 11/14/18. \nIowa Legislature\n+1","Limitation":"This fresh check verifies only the text in the identified compilation. It does not establish changes after October 14, 2026, a provider’s renewal status, an agency decision on a particular application, or the full rulemaking history."},"coordinator_verification_status":"selected_rule_text_supported_using_prior_actual_coordinator_read","coordinator_review":"[internal evidence reference]"}],"coverage":[{"topic":"Public license lookup — expiration and renewal-path qualification","researcher_record":{"Existing PASS-02 coverage row":"Public license lookup — Answered as procedure, with expiry qualification","Corrected wording":"Answered as procedure, with expiration and renewal-path qualification. Preserve the NMLS route and general December 31 description; preserve Rule 20.3(6)’s November 1–before-January 1 issuance exception. Rule 20.5 ordinarily calls for submission by December 1 but also provides a post-December-1/pre-January-1 branch requiring the renewal fee and appropriate late fee, together with a fully complete application and no denial grounds. The late-filing branch does not itself renew the license or permit operation after expiration. No named-provider result, actual renewal, active status, or provider-specific expiration date was established. \nIowa Legislature\n+1"},"coordinator_acceptance":"bounded_wording_correction_supported_provider_and_currentness_holds_remain","coordinator_review":"[internal evidence reference]"}],"annotations":{},"corrections":[],"resolved_corrections":[],"review_history":[]}