{"meta":{"key":"s_ia--pass-10","task":"S_IA","title":"Bounded P06 example-premise, claim-link, and case-use patch","parent_title":"Iowa debt and debt relief law","edition":"pass-10","path":"/research/s_ia--pass-10/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-27","tables":7,"claims":1,"sources":5,"review_status":"scoped_review_complete_requested_repairs_addressed_with_holds","review_complete":true,"sha256":"31a5ca1c6c8058eabcb83f231670ec5fbcf3a21f5a8f1163b9fadf672530a2ef","headings":["Bounded P06 example-premise, claim-link, and case-use patch","A. Corrected S_IA-P6-E03 and affected matrix entry","S_IA-P6-E03 — Custodial contract and creditor-consent boundary","Necessary P06 §2.3 matrix replacement","B. One new claim and one corrected coverage link","Add S_IA-P6-C039","Replace only the existing consent coverage row","C. Bruggeman context, source-use, and citation qualification","Replacement for P06 §5.4’s Bruggeman discussion","Limited C036 and E08 replacements","Narrow source-use and pinpoint table","D. Precise affected-entry crosswalk"],"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_IA/pass-10","facets":{"geography":["us","us-ia"],"debt_type":[],"stage":[],"subject":[]},"scope":"Bounded reviewedP06mixed-branchE03/newC039atomiccrosslink/caseusequalification only","pending_corrections":0},"markdown":"# SettleADebt — S_IA PASS-10\n\n## Bounded P06 example-premise, claim-link, and case-use patch\n\n**Fresh access:** October 27, 2026, Pacific Daylight Time and UTC. The session clock was observed at **10:32:47 PDT / 17:32:47 UTC**; these are session observations, not individual source-fetch timestamps.\n\nThis patch does not rewrite P06’s original raw text or recorded **5.6SolPro** provenance. The coordinator’s complete-review, hash, and scalar-check results are supplied provenance, not checks repeated here. P08 and P09 are not reopened or used as new premises.\n\n## A. Corrected S_IA-P6-E03 and affected matrix entry\n\n### S_IA-P6-E03 — Custodial contract and creditor-consent boundary\n\n**Preserved original inputs**\n\nPlain text\n```\nCreditors listed in the contract:                 6\nCreditors whose consent is established:           2\nAdditional creditor accepting a distribution:     1\n```\n\nThe original scalar statements—2 + 1 = 3 and 3 / 6 = 50%—remain mathematically true. **They do not establish three creditors qualifying under either statutory alternative.** The original “Total qualifying creditors: 3” label and resulting legal qualification are withdrawn.\n\nThe statute states a consent alternative **or** a like-number accepted-distribution alternative. The supplied facts do not establish that the distribution-accepting creditor consented, or that three creditors accepted distributions. No controlling authority permitting the original aggregation is established in this patch; equally, this patch does not announce a categorical prohibition against every mixed arrangement. [legis.iowa.gov](https://www.legis.iowa.gov/docs/code/2026/533A.pdf)\n\n| E03 branch | Stipulated facts and scalar comparison | Corrected disposition |\n| --- | --- | --- |\n| **Original mixed case — retained as unresolved** | Six listed creditors; two established consents; one additional creditor established to have accepted a distribution. | Neither independently stated threshold is established. **No automatic fee qualification.** Additional facts or controlling interpretation are required. |\n| **Alternative A — consent branch** | Three distinct creditors from the six-creditor contract list actually consent: 3 consenting creditors / 6 listed creditors = 50%. | On these stipulated facts, the consent-count alternative is established, subject to **C039’s complete scope and conditions**. |\n| **Alternative B — accepted-distribution branch** | Three distinct listed creditors actually accept a payment distribution: 3 accepting creditors / 6 listed creditors = 50%. Three payments to one creditor are not three creditors. | On these stipulated facts, the accepted-distribution-count alternative is established, subject to **C039’s complete scope and conditions**. |\n\n**Shared limits:** These alternatives establish only the specified creditor-count predicate—not fee earning, lawful amount, collection timing, completed settlement, or actual provider compliance. All independent state and applicable federal fee conditions remain. The preserved budget, disclosure, contract, and true-copy requirements are not replaced by creditor participation. **No fee calculation is rerun.**\n\n### Necessary P06 §2.3 matrix replacement\n\n| Existing row/cell | Precise replacement |\n| --- | --- |\n| **Custodial DMP — mandatory contract term** | **Unchanged:** Complete list of creditors to receive payments. |\n| **Custodial DMP — separate operational event or disclosure** | Apply **S_IA-P6-C039’s alternative tests and debtor-notice duty**. Do not treat the original E03 mixed count as an established threshold. |\n| **Custodial DMP — important boundary** | Satisfying one count alternative does not establish satisfaction of independent fee or enrollment requirements. The mixed-case interpretation remains unresolved. |\n\nAuthority: §533A.8(4)(h), subsection 5’s introductory language, and §533A.8(5)(d). [Iowa Legislature+1](https://www.legis.iowa.gov/docs/code/2026/533A.pdf)\n\n## B. One new claim and one corrected coverage link\n\n### Add S_IA-P6-C039\n\n| Claim ID | Precise assertion | Primary source and pinpoint | Conditions, exceptions, currentness, and confidence |\n| --- | --- | --- | --- |\n| **S_IA-P6-C039** | In §533A.8(5)’s model requiring the licensee or any licensee to receive debtor money or evidences thereof for creditor distribution, the **receiving licensee** must not receive a fee, or have or cause another licensee to receive one, except the initiation fee permitted by §533A.9(2), unless it has consent from at least 50% of all creditors listed in its debtor contract **or** a like number have accepted a payment distribution. It must inform the debtor which creditors have not agreed to its handling of the account. | **S_IA-P6-S001:** subsection 5 introduction, printed p.6/PDF index5, extracted **L341–L344**; §533A.8(5)(d), printed p.7/index6, **L357–L362**. [Iowa Legislature+1](https://www.legis.iowa.gov/docs/code/2026/533A.pdf) | High for the identified 2026 compilation. The mixed E03 facts establish neither alternative; mixed-aggregation authority remains unresolved. The initiation exception is limited to this paragraph and does not override independent state or federal fee restrictions. Actual consent, acceptance, actor, contract, earning, and currentness remain unverified. |\n\n### Replace only the existing consent coverage row\n\n| Component — unchanged identity | Status | Claims — corrected | Exact missing evidence / next action |\n| --- | --- | --- | --- |\n| **Creditor-consent event** | **Preserved conditional boundary** | **S_IA-P6-C039**, replacing C038 | Actual creditor consent/distribution-acceptance evidence and debtor notice remain required. The original mixed case needs additional qualifying facts or controlling interpretation. Independent fee conditions remain controlling. |\n\n**S_IA-P6-C038 remains unchanged.** It continues to address the distinct Iowa full-remittance settlement-completion and conditional federal first-customer-payment concepts. It is not expanded to absorb the creditor-count rule.\n\n## C. Bruggeman context, source-use, and citation qualification\n\n### Replacement for P06 §5.4’s Bruggeman discussion\n\nIn **Bruggeman v. Narnus Property Management, LLC, No. 24-1486 (Iowa Ct. App. April 1, 2026)**, Judge Greer’s majority treated the particular emails and settlement drafts as establishing agreement and affirmed summary judgment. The formation discussion is on printed pages **7–15/PDF indices 6–14**; the disposition is on printed page **16/index15**. Judge Buller’s dissent, printed pages **17–18/indices16–17**, disputed resolving materiality and intent at summary judgment. That dissent is not a competing holding. This ordinary-settlement decision supplies no Chapter 533A formalities exception. [Iowa Judicial Branch+4](https://www.iowacourts.gov/courtcases/24950/embed/CourtAppealsOpinion)\n\n**Precedential publication has not been verified.** The summary page’s “Date Published” field is website metadata, not sufficient evidence of precedential designation. The opened selective Published Cases list topped at July 9, 2026 and did not contain Bruggeman. That observation is not a complete later-designation or citator audit. For this patch, the opinion is used only as noncontrolling contextual reasoning. [Iowa Judicial Branch+2](https://www.iowacourts.gov/iowa-courts/court-of-appeals/most-recent-coa-summaries/case/24-1486)\n\nThe displayed **December 2025** appellate-rule compilation, Rule **6.904(2)(a)(2)**, allows unpublished decisions to be cited for persuasive reasoning, not as controlling authority. It requires a Bluebook-type citation including the docket number and an accessible electronic-database citation if available. Where the decision is unavailable in such a database, a copy must be filed and served as an attachment with the citing paper. No database citation is invented, no filing is made, and later amendments remain held. [Iowa Legislature+1](https://www.legis.iowa.gov/docs/publications/ICRC/6.pdf)\n\n### Limited C036 and E08 replacements\n\n| Original entry | Exact limited qualification |\n| --- | --- |\n| **S_IA-P6-C036** | Preserve the existing **Burroughs** proposition without claiming a fresh Burroughs read. Replace the Bruggeman portion with: **“Bruggeman supplies fact-specific ordinary-settlement reasoning, subject to the majority/dissent, summary-judgment, and unverified-publication qualifications in amended §5.4. Neither cited case establishes Chapter 533A compliance.”** Use S006, formation pp.7–15/indices6–14, result p.16/index15, and dissent pp.17–18/indices16–17. |\n| **S_IA-P6-E08** | Preserve the fictional facts and the existing statutory noncompliance conclusion. Replace only its case-use sentence with: **“The qualified Bruggeman comparison does not establish a route around the mandatory Chapter 533A enrollment requirements; it decided an ordinary settlement on its particular summary-judgment record, not this hypothetical debt-management enrollment.”** |\n\nThe majority itself preserved the distinction for writings required by statute or court rule. Its cited underlying authorities were **not** separately opened or promoted to fresh primary reads in this patch. [Iowa Judicial Branch](https://www.iowacourts.gov/courtcases/24950/embed/CourtAppealsOpinion)\n\n### Narrow source-use and pinpoint table\n\n**All fresh accesses below:** October 27, 2026 PDT / October 27, 2026 UTC. These records supplement, rather than rewrite, P06’s original access history. Extracted **L-numbers are tool lines**, not printed legislative lines.\n\n| Source identity and full literal HTTPS URL | Version/status and exact use | Actual fresh read bounds and remaining limits |\n| --- | --- | --- |\n| **Existing S_IA-P6-S001** — Iowa Legislature, *Iowa Code 2026, Chapter 533A*. https://www.legis.iowa.gov/docs/code/2026/533A.pdf | 2026 compilation; footer **December 9, 2025**. §533A.8(4)(h), printed p.6/index5, **L337–L340**; subsection 5 introduction, **L341–L344**; paragraph (d), printed p.7/index6, **L357–L362**. | Freshly read the model introduction, complete paragraph (d), and necessary adjacent contract language. **Actual images of printed pp.6–7/indices5–6 were inspected.** No whole-chapter, later-law, or mixed-aggregation interpretation audit. [Iowa Legislature+1](https://www.legis.iowa.gov/docs/code/2026/533A.pdf) |\n| **Existing S_IA-P6-S006** — Iowa Judicial Branch, *Bruggeman v. Narnus*, No.24-1486. https://www.iowacourts.gov/courtcases/24950/embed/CourtAppealsOpinion | Filed **April 1, 2026**; Greer majority. Correct formation range: printed **pp.7–15/indices6–14**, extracted **L157–L379**. Disposition: p.16/index15, **L408–L412**. Buller dissent: pp.17–18/indices16–17, **L413–L446**. | Relevant opinion bodies freshly read, with **actual page images inspected for pp.7–18/indices6–17**; front matter and procedural context also read in parsed text. No general fee-shifting analysis, underlying-authority reread, later-treatment audit, or verified precedential publication. [Iowa Judicial Branch+2](https://www.iowacourts.gov/courtcases/24950/embed/CourtAppealsOpinion) |\n| **S006 companion metadata check — not another case authority**. https://www.iowacourts.gov/iowa-courts/court-of-appeals/most-recent-coa-summaries/case/24-1486 | Official summary: **L397–L408**, including “Date Published,” authorship, result, and dissent summary. | Freshly opened. Metadata is not substituted for the opinion or a publication-designation record. [Iowa Judicial Branch](https://www.iowacourts.gov/iowa-courts/court-of-appeals/most-recent-coa-summaries/case/24-1486) |\n| **S006 companion publication-list check — not another case authority**. https://www.iowacourts.gov/iowa-courts/court-of-appeals/published-cases | Displayed list heading and recent entries: **L374–L398**; latest displayed publication date **July 9, 2026**. | Freshly opened; text search of the returned list found no “Bruggeman.” This does not establish completeness through October27 or rule out a later designation. No docket/status search performed. [Iowa Judicial Branch+1](https://www.iowacourts.gov/iowa-courts/court-of-appeals/published-cases) |\n| **S_IA-P10-S001 — narrow citation-rule source**. Iowa Legislature/Judicial Branch, *Rules of Appellate Procedure*. https://www.legis.iowa.gov/docs/publications/ICRC/6.pdf | Displayed **December 2025** compilation. Rule **6.904(2)(a)(2)**, printed **p.26/PDF index29**, extracted **L1588–L1598**. | Complete unpublished-opinion provision freshly read and **actual page image inspected**. No later-amendment or complete appellate-rules audit. This is a citation-use source, not another substantive debt-management authority. [Iowa Legislature+1](https://www.legis.iowa.gov/docs/publications/ICRC/6.pdf) |\n\nAll five specified public routes opened successfully. No failed-route substitute, private record, or actual contract was used.\n\n## D. Precise affected-entry crosswalk\n\n| Original P06 entry | Bounded change | What remains unchanged |\n| --- | --- | --- |\n| **E03 mixed inputs and arithmetic** | Retain the inputs; withdraw the “three qualifying creditors” premise. Mark the mixed case unresolved and provide the two distinct conditional alternatives above. | No finding of actual consent, acceptance, lawful fee, or completed settlement. Scalar correctness is not legal qualification. |\n| **§2.3 Custodial DMP matrix** | Replace only the operational/boundary cells with C039-linked wording. | Existing mandatory creditor-list clause and other model rows. |\n| **Claim register** | Add **one** distinct claim, **S_IA-P6-C039**. | C001–C038 identities; no unrelated proposition inserted into C038. |\n| **Creditor-consent coverage row** | Correct **C038 → C039** and identify the mixed-case evidence gap. | Same coverage identity; no additional accepted coverage row. |\n| **S006** | Correct formation range through printed p.15; identify result and dissent separately; qualify publication status. | Original source identity and raw read history. |\n| **§5.4 / C036** | Limit Bruggeman to the identified factual/procedural context and qualified citation use. | Burroughs portion preserved, not freshly reverified. |\n| **E08** | Qualify only the case comparison. | Fictional facts and existing statutory-requirements conclusion. |\n| **Citation-rule source use** | Add the narrow Rule6.904 source record. | No whole-rule or later-amendment certification. |\n| **All other P06 entries and prior passes** | **No change.** | No report regeneration, fee/funds/bond/limitation rerun, or reassignment of unreviewed findings. |\n\n**Preserved qualifications:** All actual budget, disclosure, agreement, signature, retainability, educational-form, business-day-calendar, amendment, assignment, **UETA §554D.110(4)**, E-SIGN applicability/preemption, currentness, ARC0368D, original2018-order, local, tribal, sector, and state/parent holds remain. The actual interpretation authorizing mixed aggregation and any later Bruggeman publication designation remain unestablished.\n\n**Researcher self-check:** The selected statutory and opinion bodies, companion pages, and citation rule were freshly read as specified above. The coordinator’s earlier selected checks, five hash checks, and six scalar/term checks were not repeated or represented as independent work. No cited underlying case was claimed freshly read merely because Bruggeman quoted it. No local write, private lookup, filing, contact, account change, or publication occurred.\n\nThis is a bounded same-coordinator patch, **not independent review**, and grants no operational, contract, provider, component, Iowa, parent, A066, or publication approval.\n\nEND S_IA PASS-10\n\n","tables":[{"headers":["E03 branch","Stipulated facts and scalar comparison","Corrected disposition"],"index":0,"links":[],"row_links":[[],[],[],[]],"rows":[["E03 branch","Stipulated facts and scalar comparison","Corrected disposition"],["Original mixed case — retained as unresolved","Six listed creditors; two established consents; one additional creditor established to have accepted a distribution.","Neither independently stated threshold is established. No automatic fee qualification. Additional facts or controlling interpretation are required."],["Alternative A — consent branch","Three distinct creditors from the six-creditor contract list actually consent: 3 consenting creditors / 6 listed creditors = 50%.","On these stipulated facts, the consent-count alternative is established, subject to C039’s complete scope and conditions."],["Alternative B — accepted-distribution branch","Three distinct listed creditors actually accept a payment distribution: 3 accepting creditors / 6 listed creditors = 50%. Three payments to one creditor are not three creditors.","On these stipulated facts, the accepted-distribution-count alternative is established, subject to C039’s complete scope and conditions."]]},{"headers":["Existing row/cell","Precise replacement"],"index":1,"links":[],"row_links":[[],[],[],[]],"rows":[["Existing row/cell","Precise replacement"],["Custodial DMP — mandatory contract term","Unchanged: Complete list of creditors to receive payments."],["Custodial DMP — separate operational event or disclosure","Apply S_IA-P6-C039’s alternative tests and debtor-notice duty. Do not treat the original E03 mixed count as an established threshold."],["Custodial DMP — important boundary","Satisfying one count alternative does not establish satisfaction of independent fee or enrollment requirements. The mixed-case interpretation remains unresolved."]]},{"headers":["Claim ID","Precise assertion","Primary source and pinpoint","Conditions, exceptions, currentness, and confidence"],"index":2,"links":[{"href":"https://www.legis.iowa.gov/docs/code/2026/533A.pdf","text":"Iowa Legislature\n+1"}],"row_links":[[],[{"href":"https://www.legis.iowa.gov/docs/code/2026/533A.pdf","text":"Iowa Legislature\n+1"}]],"rows":[["Claim ID","Precise assertion","Primary source and pinpoint","Conditions, exceptions, currentness, and confidence"],["S_IA-P6-C039","In §533A.8(5)’s model requiring the licensee or any licensee to receive debtor money or evidences thereof for creditor distribution, the receiving licensee must not receive a fee, or have or cause another licensee to receive one, except the initiation fee permitted by §533A.9(2), unless it has consent from at least 50% of all creditors listed in its debtor contract or a like number have accepted a payment distribution. It must inform the debtor which creditors have not agreed to its handling of the account.","S_IA-P6-S001: subsection 5 introduction, printed p.6/PDF index5, extracted L341–L344; §533A.8(5)(d), printed p.7/index6, L357–L362. \nIowa Legislature\n+1","High for the identified 2026 compilation. The mixed E03 facts establish neither alternative; mixed-aggregation authority remains unresolved. The initiation exception is limited to this paragraph and does not override independent state or federal fee restrictions. Actual consent, acceptance, actor, contract, earning, and currentness remain unverified."]]},{"headers":["Component — unchanged identity","Status","Claims — corrected","Exact missing evidence / next action"],"index":3,"links":[],"row_links":[[],[]],"rows":[["Component — unchanged identity","Status","Claims — corrected","Exact missing evidence / next action"],["Creditor-consent event","Preserved conditional boundary","S_IA-P6-C039, replacing C038","Actual creditor consent/distribution-acceptance evidence and debtor notice remain required. The original mixed case needs additional qualifying facts or controlling interpretation. Independent fee conditions remain controlling."]]},{"headers":["Original entry","Exact limited qualification"],"index":4,"links":[],"row_links":[[],[],[]],"rows":[["Original entry","Exact limited qualification"],["S_IA-P6-C036","Preserve the existing Burroughs proposition without claiming a fresh Burroughs read. Replace the Bruggeman portion with: “Bruggeman supplies fact-specific ordinary-settlement reasoning, subject to the majority/dissent, summary-judgment, and unverified-publication qualifications in amended §5.4. Neither cited case establishes Chapter 533A compliance.” Use S006, formation pp.7–15/indices6–14, result p.16/index15, and dissent pp.17–18/indices16–17."],["S_IA-P6-E08","Preserve the fictional facts and the existing statutory noncompliance conclusion. Replace only its case-use sentence with: “The qualified Bruggeman comparison does not establish a route around the mandatory Chapter 533A enrollment requirements; it decided an ordinary settlement on its particular summary-judgment record, not this hypothetical debt-management enrollment.”"]]},{"headers":["Source identity and full literal HTTPS URL","Version/status and exact use","Actual fresh read bounds and remaining limits"],"index":5,"links":[{"href":"https://www.legis.iowa.gov/docs/code/2026/533A.pdf","text":"Iowa Legislature\n+1"},{"href":"https://www.iowacourts.gov/courtcases/24950/embed/CourtAppealsOpinion","text":"Iowa Judicial Branch\n+2"},{"href":"https://www.iowacourts.gov/iowa-courts/court-of-appeals/most-recent-coa-summaries/case/24-1486","text":"Iowa Judicial Branch"},{"href":"https://www.iowacourts.gov/iowa-courts/court-of-appeals/published-cases","text":"Iowa Judicial Branch\n+1"},{"href":"https://www.legis.iowa.gov/docs/publications/ICRC/6.pdf","text":"Iowa Legislature\n+1"}],"row_links":[[],[{"href":"https://www.legis.iowa.gov/docs/code/2026/533A.pdf","text":"Iowa Legislature\n+1"}],[{"href":"https://www.iowacourts.gov/courtcases/24950/embed/CourtAppealsOpinion","text":"Iowa Judicial Branch\n+2"}],[{"href":"https://www.iowacourts.gov/iowa-courts/court-of-appeals/most-recent-coa-summaries/case/24-1486","text":"Iowa Judicial Branch"}],[{"href":"https://www.iowacourts.gov/iowa-courts/court-of-appeals/published-cases","text":"Iowa Judicial Branch\n+1"}],[{"href":"https://www.legis.iowa.gov/docs/publications/ICRC/6.pdf","text":"Iowa Legislature\n+1"}]],"rows":[["Source identity and full literal HTTPS URL","Version/status and exact use","Actual fresh read bounds and remaining limits"],["Existing S_IA-P6-S001 — Iowa Legislature, Iowa Code 2026, Chapter 533A.\nhttps://www.legis.iowa.gov/docs/code/2026/533A.pdf","2026 compilation; footer December 9, 2025. §533A.8(4)(h), printed p.6/index5, L337–L340; subsection 5 introduction, L341–L344; paragraph (d), printed p.7/index6, L357–L362.","Freshly read the model introduction, complete paragraph (d), and necessary adjacent contract language. Actual images of printed pp.6–7/indices5–6 were inspected. No whole-chapter, later-law, or mixed-aggregation interpretation audit. \nIowa Legislature\n+1"],["Existing S_IA-P6-S006 — Iowa Judicial Branch, Bruggeman v. Narnus, No.24-1486.\nhttps://www.iowacourts.gov/courtcases/24950/embed/CourtAppealsOpinion","Filed April 1, 2026; Greer majority. Correct formation range: printed pp.7–15/indices6–14, extracted L157–L379. Disposition: p.16/index15, L408–L412. Buller dissent: pp.17–18/indices16–17, L413–L446.","Relevant opinion bodies freshly read, with actual page images inspected for pp.7–18/indices6–17; front matter and procedural context also read in parsed text. No general fee-shifting analysis, underlying-authority reread, later-treatment audit, or verified precedential publication. \nIowa Judicial Branch\n+2"],["S006 companion metadata check — not another case authority.\nhttps://www.iowacourts.gov/iowa-courts/court-of-appeals/most-recent-coa-summaries/case/24-1486","Official summary: L397–L408, including “Date Published,” authorship, result, and dissent summary.","Freshly opened. Metadata is not substituted for the opinion or a publication-designation record. \nIowa Judicial Branch"],["S006 companion publication-list check — not another case authority.\nhttps://www.iowacourts.gov/iowa-courts/court-of-appeals/published-cases","Displayed list heading and recent entries: L374–L398; latest displayed publication date July 9, 2026.","Freshly opened; text search of the returned list found no “Bruggeman.” This does not establish completeness through October27 or rule out a later designation. No docket/status search performed. \nIowa Judicial Branch\n+1"],["S_IA-P10-S001 — narrow citation-rule source. Iowa Legislature/Judicial Branch, Rules of Appellate Procedure.\nhttps://www.legis.iowa.gov/docs/publications/ICRC/6.pdf","Displayed December 2025 compilation. Rule 6.904(2)(a)(2), printed p.26/PDF index29, extracted L1588–L1598.","Complete unpublished-opinion provision freshly read and actual page image inspected. No later-amendment or complete appellate-rules audit. This is a citation-use source, not another substantive debt-management authority. \nIowa Legislature\n+1"]]},{"headers":["Original P06 entry","Bounded change","What remains unchanged"],"index":6,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[]],"rows":[["Original P06 entry","Bounded change","What remains unchanged"],["E03 mixed inputs and arithmetic","Retain the inputs; withdraw the “three qualifying creditors” premise. Mark the mixed case unresolved and provide the two distinct conditional alternatives above.","No finding of actual consent, acceptance, lawful fee, or completed settlement. Scalar correctness is not legal qualification."],["§2.3 Custodial DMP matrix","Replace only the operational/boundary cells with C039-linked wording.","Existing mandatory creditor-list clause and other model rows."],["Claim register","Add one distinct claim, S_IA-P6-C039.","C001–C038 identities; no unrelated proposition inserted into C038."],["Creditor-consent coverage row","Correct C038 → C039 and identify the mixed-case evidence gap.","Same coverage identity; no additional accepted coverage row."],["S006","Correct formation range through printed p.15; identify result and dissent separately; qualify publication status.","Original source identity and raw read history."],["§5.4 / C036","Limit Bruggeman to the identified factual/procedural context and qualified citation use.","Burroughs portion preserved, not freshly reverified."],["E08","Qualify only the case comparison.","Fictional facts and existing statutory-requirements conclusion."],["Citation-rule source use","Add the narrow Rule6.904 source record.","No whole-rule or later-amendment certification."],["All other P06 entries and prior passes","No change.","No report regeneration, fee/funds/bond/limitation rerun, or reassignment of unreviewed findings."]]}],"claims":[{"claim_id":"S_IA-P6-C039","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_IA-P6-C039","Precise assertion":"In §533A.8(5)’s model requiring the licensee or any licensee to receive debtor money or evidences thereof for creditor distribution, the receiving licensee must not receive a fee, or have or cause another licensee to receive one, except the initiation fee permitted by §533A.9(2), unless it has consent from at least 50% of all creditors listed in its debtor contract or a like number have accepted a payment distribution. It must inform the debtor which creditors have not agreed to its handling of the account.","Primary source and pinpoint":"S_IA-P6-S001: subsection 5 introduction, printed p.6/PDF index5, extracted L341–L344; §533A.8(5)(d), printed p.7/index6, L357–L362. \nIowa Legislature\n+1","Conditions, exceptions, currentness, and confidence":"High for the identified 2026 compilation. The mixed E03 facts establish neither alternative; mixed-aggregation authority remains unresolved. The initiation exception is limited to this paragraph and does not override independent state or federal fee restrictions. Actual consent, acceptance, actor, contract, earning, and currentness remain unverified."},"coordinator_verification_status":"bounded_correction_checked_requested_repairs_addressed_with_retained_holds","coordinator_review":"[internal evidence reference]"}],"sources":[{"source_id":"S_IA-P6-S001","urls":["https://www.legis.iowa.gov/docs/code/2026/533A.pdf"],"researcher_record":{"Source identity and full literal HTTPS URL":"Existing S_IA-P6-S001 — Iowa Legislature, Iowa Code 2026, Chapter 533A.\nhttps://www.legis.iowa.gov/docs/code/2026/533A.pdf","Version/status and exact use":"2026 compilation; footer December 9, 2025. §533A.8(4)(h), printed p.6/index5, L337–L340; subsection 5 introduction, L341–L344; paragraph (d), printed p.7/index6, L357–L362.","Actual fresh read bounds and remaining limits":"Freshly read the model introduction, complete paragraph (d), and necessary adjacent contract language. Actual images of printed pp.6–7/indices5–6 were inspected. No whole-chapter, later-law, or mixed-aggregation interpretation audit. \nIowa Legislature\n+1"},"coordinator_verification_status":"bounded_correction_checked_requested_repairs_addressed_with_retained_holds","coordinator_review":"[internal evidence reference]"},{"source_id":"S_IA-P6-S006","urls":["https://www.iowacourts.gov/courtcases/24950/embed/CourtAppealsOpinion"],"researcher_record":{"Source identity and full literal HTTPS URL":"Existing S_IA-P6-S006 — Iowa Judicial Branch, Bruggeman v. Narnus, No.24-1486.\nhttps://www.iowacourts.gov/courtcases/24950/embed/CourtAppealsOpinion","Version/status and exact use":"Filed April 1, 2026; Greer majority. Correct formation range: printed pp.7–15/indices6–14, extracted L157–L379. Disposition: p.16/index15, L408–L412. Buller dissent: pp.17–18/indices16–17, L413–L446.","Actual fresh read bounds and remaining limits":"Relevant opinion bodies freshly read, with actual page images inspected for pp.7–18/indices6–17; front matter and procedural context also read in parsed text. No general fee-shifting analysis, underlying-authority reread, later-treatment audit, or verified precedential publication. \nIowa Judicial Branch\n+2"},"coordinator_verification_status":"bounded_correction_checked_requested_repairs_addressed_with_retained_holds","coordinator_review":"[internal evidence reference]"},{"source_id":"S_IA-P10-S003","urls":["https://www.iowacourts.gov/iowa-courts/court-of-appeals/most-recent-coa-summaries/case/24-1486"],"researcher_record":{"Source identity and full literal HTTPS URL":"S006 companion metadata check — not another case authority.\nhttps://www.iowacourts.gov/iowa-courts/court-of-appeals/most-recent-coa-summaries/case/24-1486","Version/status and exact use":"Official summary: L397–L408, including “Date Published,” authorship, result, and dissent summary.","Actual fresh read bounds and remaining limits":"Freshly opened. Metadata is not substituted for the opinion or a publication-designation record. \nIowa Judicial Branch"},"coordinator_verification_status":"bounded_correction_checked_requested_repairs_addressed_with_retained_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":"[internal evidence reference]"},{"source_id":"S_IA-P10-S004","urls":["https://www.iowacourts.gov/iowa-courts/court-of-appeals/published-cases"],"researcher_record":{"Source identity and full literal HTTPS URL":"S006 companion publication-list check — not another case authority.\nhttps://www.iowacourts.gov/iowa-courts/court-of-appeals/published-cases","Version/status and exact use":"Displayed list heading and recent entries: L374–L398; latest displayed publication date July 9, 2026.","Actual fresh read bounds and remaining limits":"Freshly opened; text search of the returned list found no “Bruggeman.” This does not establish completeness through October27 or rule out a later designation. No docket/status search performed. \nIowa Judicial Branch\n+1"},"coordinator_verification_status":"bounded_correction_checked_requested_repairs_addressed_with_retained_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":"[internal evidence reference]"},{"source_id":"S_IA-P10-S001","urls":["https://www.legis.iowa.gov/docs/publications/ICRC/6.pdf"],"researcher_record":{"Source identity and full literal HTTPS URL":"S_IA-P10-S001 — narrow citation-rule source. Iowa Legislature/Judicial Branch, Rules of Appellate Procedure.\nhttps://www.legis.iowa.gov/docs/publications/ICRC/6.pdf","Version/status and exact use":"Displayed December 2025 compilation. Rule 6.904(2)(a)(2), printed p.26/PDF index29, extracted L1588–L1598.","Actual fresh read bounds and remaining limits":"Complete unpublished-opinion provision freshly read and actual page image inspected. No later-amendment or complete appellate-rules audit. This is a citation-use source, not another substantive debt-management authority. \nIowa Legislature\n+1"},"coordinator_verification_status":"bounded_correction_checked_requested_repairs_addressed_with_retained_holds","coordinator_review":"[internal evidence reference]"}],"coverage":[{"topic":"Creditor-consent event","researcher_record":{"Component — unchanged identity":"Creditor-consent event","Status":"Preserved conditional boundary","Claims — corrected":"S_IA-P6-C039, replacing C038","Exact missing evidence / next action":"Actual creditor consent/distribution-acceptance evidence and debtor notice remain required. The original mixed case needs additional qualifying facts or controlling interpretation. Independent fee conditions remain controlling."},"coordinator_acceptance":"bounded_correction_checked_requested_repairs_addressed_with_retained_holds","coordinator_review":"[internal evidence reference]"}],"annotations":{"at":"2026-10-27T17:50:31.151554+00:00","status":"scoped_review_complete_requested_repairs_addressed_with_holds","review":"[internal evidence reference]","raw_originals_unchanged":true,"issue_dispositions":[{"issue":"E03mixed-branch legal premise","status":"ADDRESSED within bounded correction","basis":"Original6/2/1inputs and true2+1/3÷6scalars preserved; mixedcaseunresolved/noautomaticqualification. Distinct3consent and3accepted-distribution alternatives require distinctcreditors; no categoricalmixed-setban orfeepermission."},{"issue":"C039atomicclaim/coverage/matrix","status":"ADDRESSED","basis":"ONEnewS_IA-P6-C039 includesreceivingmodel/otherlicensee/initiationexception/debtornotice. PreserveC038distinctfullremittance/TSRfirstpayment. ReplaceonlyCreditor-consentevent crosslink plusaffectedmatrixcells."},{"issue":"Bruggeman use and sourcequalification","status":"ADDRESSED within retained publication/currentness holds","basis":"Greermajorityformation7–15/indices6–14;result16/index15;Bullerdissent17–18/indices16–17 notholding. Officialsummarymetadata notprecedentialdesignation; selectivepublishedlisttopJuly9/nomatchingtext notfullcitator. Rule69042a2conditionalpersuasive/docket/database/copy; Burroughsnotfreshlyreread; neither533Aexception."}],"original_pass":"pass-06","no_component_acceptance":true},"corrections":[],"resolved_corrections":[],"review_history":[]}